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Money and debt advice

See: Help if you are in crisis  |  Resident Support Scheme 

The first thing to do is contact us so we can discuss your circumstances and how we can help. Call 020 7527 2000 as soon as possible and ask for the department you owe money to.

If you don’t contact us the problem could get worse with your debts increasing and court officers chasing you for payment. The sooner you call us the quicker we can help you.

If you owe money to more than one department and you are finding it difficult to pay, we may be able to make things easier by agreeing a single affordable monthly payment. Contact our Multiple Debt team on 020 7527 6161 or

Help with rent or Council Tax

You can spread your Council Tax payments over the year if you pay by direct debit. 

Read about other discounts you may be eligible for.

If you're having trouble paying your rent you can contact your local area housing office for advice. 


If one of our departments owes you a refund but you owe money to another, we can reduce the amount you owe by using that refund.

We may do this automatically, but you can also ask us to do it for you. To find out if you qualify, ask the department that you owe money to if they can search your council-wide records.

Utility bills

Contact our energy advice team on 0800 953 1221 or

Independent money advice

The Islington Directory lists many money and debt services for residents

Help if you are in crisis

If you are affected by benefit cuts or are struggling financially, you may be able to get financial support from the government through one of these schemes.

Budgeting Loans and Advances

Budgeting loans can help you pay for essential things like rent, furniture, clothes or hire purchase debts. The smallest amount you can borrow is £100. 

These loans are:

  • interest free so you only pay back what you borrow
  • usually repayable within two years
  • available if you’ve been getting income-related benefits for the past 6 months

Find out more on or visit your local Jobcentre Plus office.

If you get Universal Credit, you can apply for a Budgeting Advance instead from your local Jobcentre Plus.

Short term benefit advances

If you’re making a new benefit claim and you need financial help before you get your first payment, or your situation has changed and your benefits will increase, you can apply for an advance.

They are available if you claim any contribution- or income-based social security benefit, including Universal Credit. You’ll be paid either on the same day or the next day.

Find out more on

Hardship payments

If your Jobseekers Allowance has been stopped as a result of a penalty, or 'sanction', then you may be able to get a hardship payment if you are suffering financial hardship and are in a vulnerable group. 

This could be if you have children in your household or a health problem. To request a hardship payment you need to check with your local Jobcentre Plus office.

Resident Support Scheme (RSS)

If you are facing extreme hardship, and cannot receive a budgeting loans or advance, a short-term advance or hardship payment, read more about how the RSS may be able to help you.

Newlon Housing Trust
The Manna - St Stephens
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