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Help to Claim – Universal Credit

Get help applying for Universal Credit

Our Help to Claim service can support you in the early stages of your Universal Credit claim, from an application, through to your first payment.

Help to Claim is a dedicated service from Citizens Advice. It’s free, independent and confidential. Our trained advisers can help with things like how to gather evidence for your application or how to prepare for your work coach appointment.

Call us for free: 0800 144 8 444

You can get help at the following locations:

  • West Bromwich Jobcentre Mon, Tues, Thurs and Fri 9am – 1pm and Wed 10am – 1pm
  • Oldbury Jobcentre Mon, Tues and Thurs 9am – 1pm and Weds 10am – 1pm
  • Smethwick Jobcentre (by appointment only) Tues, Thurs and Fri 9am – 1pm and Weds 10am – 1pm
  • Tipton Jobcentre Mon, Thurs and Fri 9am – 1pm and Weds 10am – 1pm
  • Halesowen Jobcentre Mon 9am – 1pm
  • Walsall Bayard House Mon 9am – 1pm
  • Bilston Jobcentre Mon 9am – 1pm
  • Perry Barr Jobcentre Mon and Tues 9am – 1pm and Weds 10am – 1pm
  • Selly Oak Jobcentre Mon and Tues 9am – 1pm
  • Handsworth Jobcentre Weds 10am – 1pm and Thurs 9am – 1pm
  • Broad Street Jobcentre Tues and Fri 9am – 1pm
  • Dudley Jobcentre Thurs 9.30am – 1pm

For online advice or to chat live to an adviser, please visit: citizensadvice.org.uk/helptoclaim

We may also be able to see claimants at the Citizens Advice office in West Bromwich during the opening times. Help and support is based on when advisers are available. Just drop-in and speak to reception.

If you’re a local organisation working with people who need to help to apply for Universal Credit you can get in touch with the Help to Claim Supervisor – Rachael Walker (rachael.walker@citizensadvicesandwell.org.uk) to find out how you can signpost or refer people to our service. You can also use this email address to book appointments at our Cradley Heath Citizens Advice office.

Last updated: 5th July 2019

Complain and you’re out: Research confirms link between tenant complaints and revenge eviction

Private renters in England who formally complain about issues such as damp and mould in their home have an almost one-in-two (46%) chance of being issued an eviction notice within 6 months, according to a new report – Touch and go – released today by Citizens Advice.

The charity estimates this has affected about 141,000 tenants since laws attempting to ban revenge evictions were introduced in 2015.

It comes as the government’s consultation on introducing minimum three-year tenancies in the private rented sector closes this Sunday.

The research found complaining dramatically increases a renter’s chance of getting an eviction notice when compared to people who do not complain.

Tenants who had received a section 21 “no-fault eviction” notice were:

  • Twice as likely to have complained to their landlord

  • Five times more likely to have gone to their local authority

  • Eight times more likely to have complained to a redress scheme

The charity argues the figures prove 2015 laws designed to prevent families and other tenants in the private rented sector from being evicted after raising a complaint have not worked.

The research includes a unique survey of council Environmental Health Officers (EHO) that found 3 in every 4 EHOs saw tenants receive a no-fault eviction after complaining last year. Of the officers who had been in their role before the 2015 Act was passed, 90% said they have not seen a drop in revenge evictions.

With the private rented sector being the second most common tenure in England with 4.7 million households – including 1.7 million families with dependent children – Citizens Advice is calling for laws around tenant security to be significantly strengthened.

Advisers from the charity helped one mum who moved into a house with her husband and two children and went to her council because a leak in the home was causing her partner’s health to deteriorate. One day before an Environmental Health inspection was due to take place, she was issued a section 21 eviction notice.

The charity backs the government’s proposals for minimum 3-year tenancies, but is concerned that potential loopholes may undermine protections that longer tenancies provide.

Citizens Advice is calling for 3-year tenancies to be written into law, and for these tenancies to include limits on rent rises to prevent landlords from effectively evicting tenants through pricing them out, no break clause at six months, and allowing tenants to leave contracts early if the landlord doesn’t uphold legal responsibilities.

The charity also believes if 3-year tenancies are agreed, the government should then review grounds for section 8 evictions – normally used when tenants are antisocial or fail to pay rent – to allow landlords to recover the property if they choose to sell up.

Gillian Guy, Chief Executive of Citizens Advice, said:

“The chance of a family being evicted from their home for complaining about a problem shouldn’t carry the same odds as the toss of a coin.

“Those living in substandard properties must have greater protection against eviction when they complain.

“Our report shows that well-intentioned laws created to put an end to revenge evictions have not worked, and a new fix is needed.

“There are serious question marks over the existence of a power that allows landlords to unilaterally evict tenants without reason – known as section 21.

“While Government plans for minimum 3-year tenancies is a step in the right direction, these changes must be strong enough to genuinely prevent revenge evictions once and for all.”

People will seek help with their finances every 3 seconds in January

Citizens Advice is expecting more than 370,000 people to seek help on financial issues such as pensions, investments and debts in January after analysis by the charity reveals that people are more likely to research financial decisions now than at any other time of the year.

The analysis of demand for advice over the last year shows that January and February were the busiest months of the year for queries about finances, with someone viewing online advice pages every 3 seconds in January.

While January is often associated with squeezed budgets and debt worries, the research reveals that people also used the New Year to take stock of their money situation and plan their finances long-term.

The charity is expecting demand to reach its peak on 12 January – after people visited twice as many online advice pages about issues around money, insurance and pensions on the same day in 2016.

Issues people are more likely to investigate in January than the rest of the year ahead include:

  • Workplace, personal and state pensions

  • Ways to save money

  • Investments

  • Joint bank accounts

  • Vehicle insurance

As well as going online, people contacted Citizens Advice every 11 seconds with more in-depth questions around debt and money.

Citizens Advice services across the country are expecting to help as many as 2,400 people every working day in January with queries about their finances.

People are most likely to seek advice on personal pensions, bank accounts and credit referencing, while those with debts need help with council tax arrears, credit card debts and debt relief orders.

Gillian Guy, Chief Executive of Citizens Advice said:

“Although debt worries can be more acute in January people are also taking stock of their finances and thinking about the future.

“It doesn’t matter what your earn – whether you are on minimum wage or have a comfortable salary – everyone can benefit from reviewing their finances.

“Considering your overall financial situation can help you find a solution for urgent problems, and start planning your finances so that you are better prepared for tomorrow and more financially secure in the long term.

“If you’d like to understand more about how your circumstances affect your money options or are struggling with debt, Citizens Advice can give you the information and advice you need to find a way forward.”

With thousands of people seeking money advice every day, Citizens Advice is sharing eight simple steps you can take to review your finances and start planning for the future.

Get your finances in order

Do a simple budget

Write down your income and take away your essential bills such as gas and electric, food and transport. If you have money left over, plan in advance what else you’ll spend or save. If you don’t, look at ways to cut your costs. Use our online tool to set a more detailed budget.

Save money on essentials

You could save an average of £300 on your energy bill by changing tariffs or suppliers. Use Citizens Advice’s energy comparison tool to see if you can save.

Diarise the dates of annual contracts that are up for renewal, like your mobile phone or car insurance, and use a comparison site to see if you can get a cheaper deal.

Check you’re claiming the right benefits

If you have a family or are married, check if you can apply for working tax credits or marriage tax allowance on gov.co.uk

If you live alone, you may be entitled to a discount on your council tax bill.

If you claim benefits, visit the Citizens Advice website to check if you are eligible for discounts on your water or energy bills.

Start saving

Start saving if you can – it doesn’t matter if it’s 50p or £5 a week, every penny will help improve your finances.

Saving is an important part of everyday finances, giving you a buffer for emergencies, helping you buy bigger items and giving you more financial security for the future.

Keep tabs on your overdraft

Sign up to free text alerts from your bank so you know when you’re close to going into your overdraft. Then make adjustments to your spending if you can.

Be choosey about your borrowing

If you need to borrow money, it’s important to know that there are different offers with credit cards and loans, from free balance transfers to paying no interest for the first few months.

Get your debts in order

If you can’t pay all your debts at once, it’s important to prioritise. Rent or mortgage and council tax are more important than credit card debts for example, as the consequences can be more serious if you don’t pay. Find out how to prioritise on the Citizens Advice website or contact your nearest service for help.

Invest in your future

Pensions are a great way to save for the future and are also good value, as your contributions are topped up your employer and the government.

If you’re eligible for  auto-enrolment, consider paying more than just the minimum.

Those who are self employed can still set up their own pension but make sure it’s with a regulated company.

If you’re over 50 and have a defined contribution pension you can get free a Pension Wise appointment to learn more about taking your pension.