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Borrowing can help with unexpected costs but it’s important to choose the right type of credit and use it wisely.   It’s difficult to know which websites to trust when you have money issues.  Internet searches can lead you to organisations hoping to profit from your problems.  A website we recommend is the government’s free and impartial www.moneyhelper.org.uk .   Before you borrow It’s a good idea to ask yourself the following before you borrow money; ·       Can you wait un

What is Winter Fuel Payment? Winter Fuel Payment is an annual payment designed to help you cover your heating costs over the winter months.  You could get between £100 and £300 to help you pay your heating bills for winter 2025 to 2026.   Who is eligible for Winter Fuel Payment? You are eligible for the Winter Fuel Payment in 2025-26 if: you were born on or before 21 September 1959 you are living in England or Wales for the qualifying week. The qualifying week is the week beg

Why Talk First?   It seems that more people are coming to us because they're having problems with anti-social neighbours. The best way to...

Kent residents targeted by a Winter Fuel Payment scam The messages claim to be from DWP (Department of Work and Pensions) and promise a...

NHS patients often need to pay towards the cost of prescriptions, dental care, eye care, wigs and fabric supports but some patients do...

Landline phones are switching to digital, which could stop telecare alarms from working. You must call your landline provider who will...

Every day we advise clients whose practical problems are made far harder to conquer because of their mental health issues.  Whether...

If you're on a low income or receive certain benefits, you can get help from your local council when paying your Council Tax bill – this...

What is it? A lasting power of attorney (LPA) is a legal document that lets you (the ‘donor’) appoint one or more people (known as...

As summer approaches criminals cold call on unsuspecting households offering convincing deals to try to get you to agree to having work...

Pension Credit gives you extra money to help with your living costs if you’re over State Pension age and on a low income.      According...

What to do if you get a debt demand; How to check an unexpected payment demand is genuine

Guidance on HMCTS related suspicious phone calls, emails, and text messages - GOV.UK

University years are an exciting time but there are a few peculiarities about student accommodation which are well worth being aware of....

Do you know your consumer rights? For help and up to date information, including latest scam alerts, visit www.which.co.uk/news/consumer...

You no doubt know the frustration of a delayed or cancelled train in wet or snowy winter weather, but are you familiar with your rights...

What is cloud storage? There are an increasing number of services offering ‘cloud storage’ where you can upload documents, photos, videos...

Scam texts have been circulating claiming that a new living allowance will be paid out. The text asks people to click on a link to claim....

Employees have the right to 'statutory annual leave' (paid holiday) This is the case whether they work: full time part time under a...