to all forum members, i have access to a lot of resources (because of the day job) if anyone is experiencing financial difficulty (probably more than most right now :( ) check this thread for links and ideas on what and where to go. if anyone has anything private / ultra specific they want to chat over then pm me your number or call / text 07883030945

regards

chris

 

1. check your entitlements and maximise your income

http://www.entitledto.co.uk

 

2. foundations, trust funds or benevolent societies may help you with grants and awards, for example

http://www.britishgasenergytrust.org.uk or http://www.edfenergytrust.org.uk to help pay / write off large energy bills or

http://www.retailtrust.org.uk (for shop workers) or

http://www.licensedtradecharity.org.uk (anyone who has worked in a pub / resturant etc)

http://www.thedickiebirdfoundation.co.uk for kids who are good at sport but need help with kit costs

i could go on.....the trick is to search by your trade/profession online just add in the word trust fund, foundation or benevolent....there are also trust funds linked to almost all major trades unions like Unite, GMB, Unison etc call them and they will have application forms for financial support requests.

 

3. HMRC Business Payment Support Service for anyone having trouble meeting PAYE / NIC / TAX / VAT they can arrange payment plans in @10 mins

http://www.hmrc.gov.uk/pbr2008/business-payment.htm

 

 

4. parking tickets / congestion charges / council tax bills advice on these found here

http://www.twinpier.co.uk/helpful+forms.aspx

 

5. anyone thinking of Bankruptcy or IVA or DRO (very new, DRO's start april 2009),

IVA guide http://www.moneysavingexpert.com/loans/pdf-iva-guide.pdf

DRO guide http://www.insolvency.gov.uk/insolvencyprofessionandlegislation/a%20STANDARD%20LINES.doc

Bankruptcy guide http://www.twinpier.co.uk/helpful+forms.aspx

 

6. guides for when children turn 16 (become non-dependent) and the effect on tax credits and housing benefits etc

http://www.twinpier.co.uk/helpful+forms.aspx

 

7. unenforceability of consumer credit agreements i'm getting loads of queries about this lately....a very large can of worms with lots of people getting sucked in, in essence dont pay for anyone to check your contracts / agreements read this alert from OFT

http://www.oft.gov.uk/news/press/2008/consumeralert

if anyone wants to discuss the consumer credit agreements issue (loans, mortgages, hp, cards etc) give me a call as there are constant developments on this front

 

i'll add more stuff as and when i think of it

regards to all and hope it helps

 

chris

Excellent idea Chris, I am sure this will be of help to many people on here at the moment. :)

 

Gareth

Im finding these links a great help cheers buddy...

bump

What a great idea, well done mate.

 

I'd like to offer forward the charity i work for if anyone needs any help with life in general.

 

I work for the British Association for Counselling and Psychotherapy and the site is packed with information and a seeking a therapist section lets you find help in your region.

 

We have an information line for people to ring and speak to people who know how to direct you to the right person which can be found on the site.

 

The address is: http://www.bacp.co.uk

Nice one Chris im sure this will help a lot of people out.

 

I was made redundant in May of this year working as an aircraft sheet metal worker but fortunately I have no debts so things are not to bad but as a skilled man it is so hard to find another job atm.