If you're having problems with your finances there are many organisations that can help. You might find yourself in debt and unsure how to move forward, but there are a number of different ways to deal with your issues and the organisations listed below can give you information and advice.
A credit union can provide savings and loan products to their members. Membership depends on having a common bond such as living/working in a specific area. Credit unions aim to help members take control of their money by encouraging them to save. Once you have a reliable record as a saver, you can apply to borrow money from the Credit union at a very low rate of interest.
The two credit unions in Middlesbrough are:
It's Your Right To Claim
Every year, billions of pounds of benefits nationally go unclaimed, including by pensioners, families and people most in need. The It's Your Right To Claim campaign helps people to understand which benefits they might be entitled for and haven't claimed, which can help those who are struggling to make ends meet. Upcoming It's Your Right To Claim sessions will be advertised on this page when they are available.
Welfare Rights Unit
Housing and Council Tax benefits
Other grants, discounts and exemptions
Free and reduced travel
Free bus passes are available to older and disabled persons. Learn more about the concessionary bus pass scheme.
The Staying Put Agency
The Staying Put Agency provides housing and health advice to those wishing to remain independent in their homes, as well as advice for those in need of housing repairs or home improvements.