Money matters

Cheshire East has a dedicated money adviser within the housing options team who provides advice and assistance regarding any debts restricting access to housing or threatening any current housing situation.

We offer expert advice to help tenants and homeowners who are having problems keeping up with mortgage or rent payments. Information covers practical steps such as:

  • communicating with landlords or mortgage lenders
  • preparing for court
  • What happens during and after a court hearing

and help dealing with:

  • rent arrears and mortgage payments
  • advice on benefits available including tax credits
  • housing affordability
  • debt management and resolution (especially when it begins to affect your housing)
  • financial advice
  • budgeting
  • maximising income
  • negotiation with creditors

Financial help if you are struggling to pay rent or to get a private rented property

The Housing Options Team has access to a range of financial options which can help people to either pay rent or pay some arrears which may have built up. Financial support for deposits, rent in advance and administration fees can also be accessed via the team.

Funds are offered dependent on individual circumstances and will only be given for a short term. Access to the following can be supported by the team:

  • Cheshire East Council's Bond Scheme
  • Emergency Assistance Scheme
  • Discretionary Housing Payment
  • Homeless Prevention Fund

Useful information if you are struggling with mortgage payments

National Homelessness Advisory Service (NHAS) has produced a leaflet called  ‘worried about your mortgage’. Leaflets are available from any of the Council’s Contact Centres or can be downloaded from the NHAS website.

The Money Advice Service website contains plenty of useful information and tools on how to boost your income and how to stop debts increasing. 

Money advice and court desk facilities in Cheshire East

Most money advice services across Cheshire East are free, confidential, and independent sources of advice and assistance relating to Welfare Benefits and debt management.

Contact the Housing Options Team for details on other services offering money advice in Cheshire East or support at Courts.

All advisors offer a specialist service in the fields of:

  • maximising income
  • debt resolution
  • negotiation with creditors
  • advice on benefits available
  • information about tax credits
  • help with benefit applications
  • all financial matters

Some services offer a more comprehensive service and will give legal advice and can assist with court representation. Those offering this more involved service are specified below. Some money advice services are accredited, meaning that they have gained a known qualification in the field of Money advice.

Keogh's Solicitors provide advice and assistance at Courts within the Cheshire East area so if you have been unable to secure support from elsewhere for the day that you need to appear in Court then a solicitor from Keogh's should be able to help on the day. 

Keogh's have also recently received funding to carry out Legal Aid work in the area. Any household that requires legal representation and may be eligible for Legal Aid funding should contact 0161 928 9321

Cheshire East Citizens Advice Bureau
For advice:

Telephone : 03444 111 444. (Mon-Fri 9:30am - 1:00pm)
Email : advice@cecab.org.uk
Or visit the Cheshire East CAB website.

Administration only:  (no advice available on these numbers)

Congleton
Dean House, Chapel Street, CW12 4AB
01260 288510

Crewe
50 Victoria Street, CW1 2JE
01270 303003

Nantwich
The Gables, Beam Street, CW5 5NF
01270 303004

Christians Against Poverty
Cavalry Christian Centre
Earlsway
Macclesfield

0800 328 0006

Help the Aged
New Horizons Centre
Henderson Street
Macclesfield
SK11 6RA

01625 611948

Available to: Residents of Macclesfield, Wilmslow, Mobberley, Congleton & Sandbach aged over 50

Life Line
Sandbach Methodist Church
Wesley Avenue
Sandbach

Shelter
Shelter's advice pages for people who may be affected by rent or mortgage arrears or can be contacted by phone at 0808 800 4444 or via Twitter @shelter.

Shelter also have a blog called Shelter Stories which seeks to offer a first-person, friendly and accessible approach to advice.