Money Matters

This section offers advice on how you can save money, access affordable loans and improve your financial situation.

Our Financial Inclusion Team, who are trained to offer advice and assistance on financial matters to all our tenants, will be able to help you further on these. If they can’t they’ll know someone who can!

If you want to discuss any of the information supplied below please contact our Rents Team on 01492 572727 or [email protected].

My Home – Home Contents Insurance Show more info

My Home insuranceYour contents may not be covered as part of the tenancy agreement. It’s a good idea to consider what a home contents insurance policy would cover you for in order to help you make an informed decision on whether you need one.

Contents insurance is designed to help protect your possessions. No matter how careful you are, there’s always a risk that your belongings could be broken, damaged or stolen so home contents insurance can help provide peace of mind.

To help you decide whether home contents insurance is right for you, North Wales Housing have teamed up with Thistle Tenant Risks, and Allianz Insurance plc who provide the My Home Contents Insurance Scheme, a specialist Tenants Contents Insurance policy.

The My Home Contents Insurance Scheme can offer you insurance for the contents of your home including cover for items such as furniture, carpets, curtains, clothes, bedding, electrical items, jewellery, pictures and ornaments.

How do I get further information?

  • Ask your local housing officer for an application pack.
  • Call Thistle Tenant Risks on 0345 450 7288

Alternatively, please visit the www.thistlemyhome-cymru.co.uk for more information or to request a call back.

The National Housing Federation and Community Housing Cymru are Appointed Representatives of Thistle Insurance Services Ltd. Thistle Insurance Services Limited is authorised and regulated by the Financial Conduct Authority FRN 310419. Lloyd’s Broker. Registered in England under No. 00338645. Registered office: Rossington’s Business Park, West Carr Road, Retford, Nottinghamshire, DN22 7SW. Thistle Insurance Services Ltd is part of the PIB Group.

Help with debt problems Show more info

Debt can come in many forms, such as rent arrears, unpaid utility bills, or difficulty in paying back loans. It can be caused by various different factors such as illness, loss of work, reduction in benefit, or a relationship breakdown.We can put you in touch with other agencies such as the Citizens Advice Bureaux, Shelter Cymru, Credit Union, National Debt Line and Step Change who can give you free advice on welfare rights, benefits or other debts. There is always somebody to help you.

Loan Sharks Show more info

A loan shark is an unlicensed money lender who charges very high interest rates and sometimes uses threats and violence to frighten people who cannot pay back their loan. You can report a loan shark in confidence to the Illegal Money Lending Team call 0300 123 3311 / Send an email to [email protected]

Financial Services from The Credit Union Show more info

North Wales Credit Union is a community financial co-operative, owned by its members. They provide a wide range of financial services to anyone living or working in North Wales, from savings accounts, prudent borrowing and affordable repayments on loans.

Getting a basic bank account Show more info

Basic bank accounts offer a convenient place to keep money you need for everyday use. You can arrange to have wages, State Pension and benefits or tax credits paid into one. You can also pay in cheques or cash free of charge, and set up ‘direct debits’ which pay regular bills automatically from your account.

You can’t take out more money than is in the account (‘go overdrawn’).
For this reason basic bank accounts are useful for anyone worried about overspending. A number of high street banks, building societies and Credit Unions offer basic bank accounts. Contact our Rents Team on 01492 572727 or [email protected] if you need help setting up a bank account.

Telephone Line Rental Show more info

You may qualify for cheap line rental with BT if you claim some benefits. Call BT on 0800 800 864 (8am-6pm Mon-Fri) to request a BT Basic application form. You must be the named account holder to apply.

Shop around for utilities Show more info

Energy costs are constantly changing, and we don’t know from one year to the next what we will be paying for gas and electric. That’s why it’s so important to shop around to make sure that you are getting the best deal. If you claim certain benefits you may qualify for a discount on your energy bills.

Cheaper Water rates Show more info

Welsh Water have schemes to assist people who cannot afford to pay their bills or for those on certain benefits. Contact Welsh water on 0800 052 0145 or visit www.dwrcymru.com.

If you want to discuss any of the information supplied below please contact our Rents Team on 01492 572727 or [email protected].