Money matters

We have a dedicated money advisor 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)
  • money 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  ‘Are you 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 money 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.

Charities available to clients whom may need help and support

Cheshire East Citizens Advice Bureau

For advice

  • 03444 111 444 (Mon-Thu 9:30am - 4:00pm) Fri 9:30am - 1:00pm
  • Or visit the Cheshire East CAB website

Administration only

No advice available on these numbers e.g. cancelling and rearranging appointments.

Dean House, Chapel Street, CW12 4AB
01260 288510

50 Victoria Street, CW1 2JE
01270 303003

The Gables, Beam Street, CW5 5NF
01270 30300

Christians Against Poverty

Cavalry Christian Centre

0800 328 0006

Age UK Cheshire East

New Horizons Centre
Henderson Street
SK11 6RA

01625 612958

Life Line

Sandbach Methodist Church
Wesley Avenue

01625 750358 (9:00am - 4:00pm)


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.

Bridge Debt Advice


The Bridge Debt Advice is a free not-for-profit debt advice service registered with the Office of Fair Trading. Please ring or email for an appointment.

Just Drop in Centre


A youth information, advice and counselling service They will work with the under 25’s over a range of problems including housing problems and money worries.

Opening hours

  • Counselling Mon – Sat 12noon – 6:00pm
  • Money matters and Housing Mon – Sat 2:00pm – 5:00 pm
  • Group sessions for 12 to 16 yr olds Mon and Thurs 6:00pm to 8:00pm

The Royal British Legion

The Legion is committed to helping serving members of the Armed Forces, veterans and their families who may be in need, even with the most minimum of service given the Legion will welcome you and offer their guidance and support. In brief this includes anyone who has served for at least 7 days as a regular or reservist in the UK armed forces, their families and their carers.The Legion also offers many different ways of helping persons in need:

  • They have many specialists in many fields, just call and they will allocate someone to your circumstances
  • They can help with charitable payments.
  • They can deal with debt management programs with creditors and give ongoing support

Royal British Legion contact details (live chat online)

Contact Centre helpline on 0808 802 8080 from 8am to 8pm, 7 days a week (calls are free from UK landlines and main mobile networks) for all enquiries.

National Debt line

Free confidential and independent advice on how to deal with debt, will help you deal with creditors on a self help basis. They will help to complete a financial statement to find out what can be afforded and then leave the client to write letters to creditors and aid to build repayment plans.

Step Change (debt charity)

Confidential and independent advice on how to deal with debt, call or if you have an internet TV then visit to find local advice centres in your area which offer face-to-face appointments.They will help to complete a financial statement to find out what can be afforded and then leave the client to write letters to creditors and aid to build repayment plans 

  • 0800 138 1111 (Free including Mobiles)


PayPlan offer free debt management pans, IVA’s and free debt advice. They understand the impact that the debt can have on you and your family and your life. PayPlan believe you can and should live a happy life whilst repaying your debt.

Payplan have been helping people in situations re debt for over 20 yrs and during that time they have developed a wide range of practical, Long term solutions that can not only help to manage your debt but, also enable you to live your life.

PayPlan opening hours

  • Mon – Fri 8:00am to 9:00pm
  • Saturday 9:00am to 3:00pm

PayPlan contact details

Contact us

0300 123 5017

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