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West Kent Debt Advice
Debt Advice - Free, Impartial, Confidential
Centres in Sevenoaks, Tonbridge and Tunbridge Wells
Registered Charity No. 1125756
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Useful links

Piggy Bank Making your money go further - check out these money saving ideas to make your limited finances go that little bit further. Topics covered include: making a household budget; all about fuel switching; saving money on your phones, water, insurance and when you buy electrical and other goods.

supermarket trolley Saving on Food Bills - it's possible to feed a family of four for £100 per week OR LESS - and still eat well! Here are numerous tips to save money at the supermarket, and on food bills in general - the list is long, but it may save you £££s.

LINK logo Find your nearest ATM - need to find your nearest ATM 'hole in the wall' cash machine? Use the Link locator to find the services you require - simply enter your postcode, town or city and click on 'Search' to see all ATMs in your area. There is also an Advanced Search to refine your selection.

Quids In logo Quids In! Magazine - launched in 2008, this magazine was set up to help people on low incomes find ways to make their money go further. Full of helpful information and money-saving tips.

Council Tax View your Council Tax (CT) balance online -
If you pay your CT to Tonbridge & Malling Borough Council,
click here - all you need is your Council Tax account number.

If you pay your CT to Sevenoaks District Council,
click here - you'll need your Surname and Council Tax account number.

If you pay your CT to Tunbridge Wells Borough Council,
you'll need your Council Tax account number PLUS a PIN number
to access (posted to you) which you can get by registering online at the My Services dashboard.

If you think you're paying too much Council Tax you can check your Council Tax band (as well as those of your neighbours) at the Valuation Office Agency website or simply click here.

Gov.uk logo About Housing Benefit and Bedroom Tax - a clear explanation on the www.Gov.uk website.

Money Advice Service Healthcheck Money Advice Service Financial Healthcheck -
Online tool from the Money Advice Service (set up by the government, funded by the financial services industry) to help you make the most of your money. It will give you a clear picture of your finances, an action plan tailored to your circumstances and simple steps you can take now.

The Money Course Budget Planner Check your household budget with this excellent online budget planner, and ensure you don't get into debt - prevention is so much better than cure. For further details: 01732 368259
MoneyLine Also check out the MoneyLine Personal Finance Software Easy Home Accounting and Chequebook Software which enables you to download transactions directly from your bank account and reconcile your purchases and transactions against your bank statement.

DirectGov Logo Jobseekers Allowance and other Benefits -
Claim online or call Jobcentre Plus on 0800 055 6688.
Local Office for change of circumstances 0845 608 8501.

DirectGov Logo HMRC Logo Tax Credits - HMRC, more info
Who qualifies for Tax Credits, how to claim, etc
Tax Credits Helpline: 0845 300 3900.

AgeUK Logo Age UK - Pension Credit
Who qualifies for Pension Credit, how to claim, etc
Age UK Advice Line: 0800 169 6565
DirectGov Pension Credit Helpline: 0800 99 1234.

Gov.uk Logo Community Care Grants to meet 'care in the community' costs of living independently and Crisis Loans for immediate short term needs in an emergency or disaster such as fire or flood, eg for rent, food etc are no longer available.
 KCC logo From 1 April 2013 Kent Support and Assistance Service (KSAS) is here to help you if you are having serious difficulties managing your income or if you are facing exceptional pressures as a result of an emergency or crisis. Help includes groceries, items of clothing, goods for young children such as nappies or formula, household appliances and re-used furniture, and household items such as bedding.
To apply you need to Complete the online application form or Telephone 0300 333 5700 Monday - Friday (9am to 5pm).
Jobcentre Plus logo Budgeting Loans help pay for essential things like rent, furniture, clothes or hire purchase debts. Budgeting Loans are interest-free, you normally have to repay the loan within 104 weeks. The smallest amount you can borrow is £100. You can apply for a loan if you’ve been getting income-related benefits for at least 26 weeks.
You need to download Form SF500 or get it from your local Jobcentre Plus, then send or take the form back to them.

Money Advice Service logo Basic Bank Accounts
All about different types of bank account from the Money Advice Service. You can refer to the list showing which banks and building societies offer basic bank accounts and what services you can expect to get, and also download a further information booklet (1555 KB).
Phone: 0300 500 5000
Email:  enquiries@moneyadviceservice.org.uk

EntitledTo logo Turn2Us Logo EntitledTo (Turn2Us) Benefits Calculator -
Check which benefits you may be entitled to,
and how much to expect.
Also Turn2Us Benefits Calculator, does a similar job.

Listen to Taxman Logo Listen to Taxman -
Check how much tax you should be paying -
UK PAYE Calculator for the current tax year.

TMBC Logo Tonbridge & Malling Borough Council -
Information on Housing Benefit to help pay your rent,
and Council Tax Benefit to help pay your Council Tax.
Also Advice on what to do if you have Council Tax arrears.
Helpline (Benefits): 01732 876376
Helpline (Council Tax Arrears): 01732 876388.

TWBC Logo Tunbridge Wells Borough Council -
Information on Housing Benefit to help pay your rent,
and Council Tax Support to help pay your Council Tax.
Helplines (via Switchboard): 01892 526121.

SDC Logo Sevenoaks District Council -
Information on Housing Benefit to help pay your rent,
and Council Tax Benefit to help pay your Council Tax.
Also Advice on what to do if you have Council Tax arrears.
Helplines (via Switchboard): 01732 227000.

My Home logo My Home contents insurance - insurance cover
for the contents of your home, run by the National
Housing Federation which represents housing associations. 
For more information call 0845 337 2463.
Download an application form (0.491MB).

Martin Lewis Martin Lewis' Money Saving Expert -
Lots of advice, ideas, tips and forums for saving money - topics range from benefits and banks to shopping, fuel and insurance.

Payplan logo Payplan -
Free Debt Management Plans, IVAs & Debt Advice
Immediate Debt Advice: 0800 280 2816.

StepChange logoCCCS logo StepChange Debt Remedy - free online debt counselling service from StepChange (previously CCCS - Consumer Credit Counselling Service). StepChange have also produced a free debt advice guide which is available to download from their website.
FREEPHONE Helpline: 0800 138 1111.

National Debtline logo National Debtline - a national telephone helpline for people with debt problems. Their service is free, confidential and independent. They also offer lots of downloadable factsheets and other resources.
FREEPHONE Helpline: 0808 808 4000.

TV Licensing logo TV Licensing - everything you need to know about your TV Licence, e.g. if you watch TV online on your computer at the same time as it's being broadcast on conventional TV, then you need a licence. Includes details of all payment methods.
Email: enquiries@tvlicensing.co.uk
Call centre: 0300 790 6131.

Financial Education for Kids Financial Education - When it comes to teaching kids about money, the sooner the better... Check out these links:-
Financial Education for Kids
Educational Guide to Money and Currency
Saving Money Tips for Teens

Kent Family Mediation Service logo Kent Family Mediation Service provides help with resolving family disputes. They are a not-for-profit organisation with 13 accessible family mediation venues located throughout Kent. For those on low incomes they offer legal aid which gives free mediation and a number of hours free with a family solicitor. For non-legally aided clients they offer either subsidised fees or fixed fees with local participating family solicitors under the ‘Kent Family Fixed Fee Foundation’.
Contact: 01795 410457
Email: contact@kentfms.co.uk

Noddle logo Free online credit report website from Callcredit which anyone can sign up to, Noddle (www.noddle.co.uk) which advertises itself as 'the only genuinely free credit report on the market... free for life... Unlimited online access... Updated monthly'. The only downside appears to be that signing up to Noddle will also mean receiving regular emails inviting the user to ‘upgrade’ to CallCredit’s monthly fee-paying service.

CMA Logo Community Money Advice -
Completely free face to face money advice centres in every community across the nation, reaching anyone in need with unconditional, quality advice from form filling to personal insolvency.
Contact: 01743 341929 / 790909.

CAB Logo Adviceguides from Citizens Advice -
Useful guides for dealing with a wide range of issues,
including debt and money.
Sevenoaks CAB Advice Line: 01732 454443
Tonbridge & Malling CAB: 01732 440488
Tunbridge Wells & District CAB: 0844 499 4140

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This page was last modified on 28 December 2016