Money Advice Referral Tool (MART) The Money Advice Referral Tool (MART) has been developed to boost household income and financial resilience by getting more money into people’s pockets, and helping them access the support they are entitled to. It gives links and information about the different money advice and related support services available, together with details of how to contact them. MART was created via the Trafford Poverty Action Group, and has been developed in partnership with the Greater Manchester Poverty Action Group (GMPA). What’s your situation? I suddenly have no money Lost job Benefits stopped (sanctioned/failed a medical) Emergency/disaster (fire, flood, lost money) Relationship breakdown No recourse to public funds (NRPF) Options Benefit advance or hardship payment Challenging a decision Benefit check Migrant Destitution Fund (NRPF only) I’m waiting on a payment / decision New claim made for benefit Benefit is delayed Waiting for benefit decision to be reassessed Options Benefit advance or hardship payment My money does not stretch far enough Deciding between food and fuel Low income or zero-hours contract Not sure if eligible to claim for benefit Change of circumstances (eg. bereavement, illness, new baby, reduction in benefit) Unsure how to manage my money/overspending Options Budgeting Benefit check Energy advice Discretionary Housing Payment I have debt Rent, council tax, gas or electricity arrears Payday/high-cost loans or owing friends and family Benefit repayments Options Debt advice Energy advice Discretionary Housing Payment I have other problems that are affecting how I manage my money Other issues such as mental health, homelessness, addiction or gambling are hindering my finances. See the Other Support section. What are some of your options? Benefit advance or hardship payment If you have applied for benefits and are waiting for your first payment you may be able to get an advance. This will have to be paid back. If you have no money because of a sanction, you may be able to claim a hardship payment from the Jobcentre. Hardship payments of Universal Credit need to be paid back, but hardship payments of JSA or ESA do not. You should get advice before accessing either of these. Who can help? Citizens Advice Trafford Welfare Rights Challenging a decision You can challenge a benefit decision if your benefit has been stopped, sanctioned or reduced and you believe the decision is wrong. Most decisions need to be challenged within one month, or within 13 months if there are special reasons for delay. Who can help? Citizens Advice Trafford Welfare Rights Budgeting Advice and support to manage the money you have more effectively. Who can help? Citizens Advice African & Caribbean Care Benefit check A benefit check can ensure you are receiving your maximum entitlement and you can receive help to claim benefits. If you’re pregnant or have child under four years old you can also ask the advisor about healthy start vouchers. NHS Healthy Start Who can help? Citizens Advice Trafford Welfare Rights Age UK Trafford African & Caribbean Care Debt advice Advice and support including financial assessments, solutions, debt recovery options available to creditors, income maximisation, budgeting advice and financial statements. Who can help? Citizens Advice Energy advice If you are struggling to pay your energy bills (or having to choose between food or fuel) you may be able to get support to reduce your bills, apply for a warm home discount, or access other grants. You may also be able to get support in making your home more energy efficient which will reduce your bills. Who can help? Citizens Advice Energyworks at Groundwork Age UK Trafford African & Caribbean Care Discretionary Housing Payment Payments may be awarded when the Council considers that you need further assistance to meet your housing costs. You must already be in receipt of any amount of either Housing Benefit or the housing element of Universal Credit. Who can help? Citizens Advice Trafford Welfare Rights Migrant Destitution Fund Crisis grants of up to £80 per month are available for destitute migrants who are subject to migration controls and have no recourse to public funds. Who can help? GM Immigration Aid Unit Who can help? Citizens Advice Trafford Free, independent, confidential advice on welfare benefits, money advice, housing, homelessness, immigration, community care, employment and family issues. We offer specialist services in benefits, money advice, housing, community care and immigration. Tel: 0808 278 7803 (Mon to Fri, 8:30 to 5:30) WhatsApp: 0161 850 5053 For Universal Credit Support, Tel: 0800 144 8 444 Trafford Welfare Rights Our welfare rights team of specialist welfare rights advisors provides a comprehensive advice service on the whole range of benefits provided by the Department for Work and Pensions and the local authority. Also support and/or representation at appeal hearings. Tel: 0161 912 2735 (Mon to Fri, 9:00 to 1:00) Email: firstname.lastname@example.org Energyworks at Groundwork Energyworks provide advice, support and information to eligible households around energy efficiency in the home, applications for grants and additional support available as well as the installation of small measures such as LED lightbulbs. Online referral GM Immigration Aid Unit Helps asylum seekers and refugees get the basic support they need to live with dignity. Including advice on housing, employment, welfare and navigating the asylum process. Also handles applications to the Migrant Destitution Fund. Tel: 0161 868 0777 Online referral African & Caribbean Care Group Provides free confidential advice and support on wide range of issues including: benefit advice and application support, housing , energy/utility bills and access, dealing with debts and problems paying bills, problems with your mental health. Tel: 0161 226 6334 (Mon to Fri, 9:00 to 4:30) Email: email@example.com LMCP Care Link Access to free confidential advice and support that assists people involved in decisions which affect and impact on their lives including: benefits advice and applications, energy bills and immigration issues. Tel: 0161 226 4632 (Mon to Fri, 9:00 to 4:30) Email: firstname.lastname@example.org Other support Age 50+ support Age UK Trafford Advice to over 50s to access benefits, housing options, community care and a range of other issues. Tel: 0161 746 9754 Borrowing If you do need to borrow money, Credit Unions are local not-for-profit firms which can provide low-cost loans subject to affordability. Domestic abuse Trafford Domestic Abuse Service Support to individuals and families who are suffering or who have suffered domestic abuse. Tel: 0161 872 7368 Drugs and alcohol Achieve Recovery Service Provides substance misuse treatment and recovery services to people affected by alcohol or drug misuse. Tel: 0161 358 0991 Gambling NHS Northern Gambling Service Provides specialist addiction therapy and recovery to people affected by gambling addiction and help to people close to those with gambling addiction. Email: email@example.com Tel: 0300 300 1490 Housing / homelessness HOST (Housing Options Service Trafford) Offers impartial and confidential advice and assistance on housing related issues. Email: firstname.lastname@example.org Tel: 0161 912 2230 Mental health Samaritans When life is difficult, Samaritans are here – day or night, 365 days a year Tel: 116 123 (24 hr helpline) Qwell Qwell provides range of online, anonymous support for adults including via live chats and messaging. Blue Sci Blue Sci provide mental health and wellbeing support at our four wellbeing centres. Café open seven days a week 7pm until 2am; 5pm start at weekends. Tenants of social housing Registered social landlords provide many of the advice services described throughout this tool. Tenant of these housing providers may want to check first with their provider what support it can offer them. Housing associations in Trafford View contact details for housing associations in Trafford.