Are you struggling to pay your housing bills?

If you are struggling to pay your housing bills then this page will give you more information on what you can do.

Latest News

Universal Credit and Bedroom TaxWe have updated our Bedroom Tax section to include the Universal Credit rules. Some of the rules which delay the date when Bedroom tax applies under Housing Benefit are much weaker under Universal Credit. Under Housing Benefit rules the bedroom tax is delayed for 12 months following the death of someone who previously lived in […]Find out more...
Some older people may be paying too much council taxSome older people have been overcharged council tax. Find out if you are affected and how to get your money back.Find out more...
Benefit Cap changesThe benefit cap is increasing in Coventry and Birmingham. There will be additional advice sessions in Covnetry to assist those affectedFind out more...

What you can do and further information

There are a number of reasons why your benefits may not cover your full rent and council tax liability. These are explained in the articles Housing Benefit and Universal Credit housing costs restrictions. These reasons include the Bedroom Tax, the Benefit Cap and Housing Costs Contributions and Non-Dependents. These three articles suggest ways of tackling these problems but failing this claimants may want to consider asking for a Discretionary Housing Payment.  If you are in receipt of Universal Credit then you should refer to Housing Costs under Universal Credit if you live in rented accommodation. Universal Credit recipients can ask for their housing costs amount to be paid direct to their landlord. EU Nationals may find that the problem is caused because of the right to reside test which is explained in  EU Nationals and Genuine Prospect of Work issues This is explained in Universal Credit and Alternative Payment Arrangements. If you own your own home then some details of how the benefit system helps with your mortgage payment is explained in Help with Mortgage Interest.  If you need help with any aspect of claims for these benefits see the article Where to get advice.

Bedroom TaxInformation about the Bedroom Tax which explains how it works, who it applies to and what you can do if you are affectedFind out more...
Benefit CapInformation explaining how the benefit cap works, who is affetced and what you can do if it applies to youFind out more...
Discretionary Housing PaymentInformation about Discretionary Housing Payment and how to claim thisFind out more...
EU Nationals and Genuine Prospect of Work IssuesInformation explaining the way the right to reside test applies to unemployed EU nationalsFind out more...
Help with Mortgage InterestAn explanation of changes to the way the rules governing mortgage interest payments included in benefits payments are changing from April 2016 onwardsFind out more...
Housing Benefit and Universal Credit Housing Cost RestrictionsInformaiton about Local Housing Allowance and rent restrictions for people who are under 35Find out more...
Housing Costs Contributions and Non-dependentsInformation to explain how much other people living in your house are expected to pay you towards the rent or mortgage and how this will change under Universal Credit Find out more...
Housing Costs under Universal Credit if you live in rented AccommodationInformation about how you will get help with your rent when you claim Universal CreditFind out more...
Two Child RestrictionThis article explains the new two child policy introduced from April 2017Find out more...
Universal Credit and Alternative Payment ArrangementsInformation about how Universal Credit is paid and what options you have if this is causing you or your family difficulties or if you get into rent arrears because of thisFind out more...
Where to get adviceInformation about where to get face to face advice on benefits and financial issuesFind out more...