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Cymraeg
  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit

    Find out how Universal Credit works and how to manage your payment

    Benefits if you have children

    Entitlements to help with the cost of pregnancy or bringing up children

    Benefits if you’re sick, disabled or a carer

    Understand what support is available for coping with ill health

    Benefits in later life

    You may be entitled for help with other costs on top of your State Pension

    Benefits and work

    Extra support if you’re working, self-employed, or you’ve lost your job

    Benefits to help with housing costs

    Support to help with rent or mortgage payments if you’re on a low income

    Problems with benefits

    What to do if something goes wrong with your benefits

    Benefits

    All Benefits guidance

    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Banking and payments

    How to choose, use and manage bank accounts

    Budgeting

    How to budget, find the best deals and switch to save money

    Buying and running a car

    How to buy and finance a car, deal with problems with car finance, and cut running costs

    Credit

    Credit basics, applying for credit, credit ratings and problems with credit

    Insurance

    Insurance for cars, health, travel, and help with insurance

    Everyday money

    All Everyday money guidance

    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Money Midlife MOT

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Becoming a parent

    Having a baby, returning to work, childcare costs

    Death and bereavement

    Wills, inheritance, sorting out estates

    Divorce and separation

    Sorting out money and homes, what if you have children, money after break ups

    Illness and disability

    Managing costs, extra financial support, help with work or study

    Long-term care

    Paying and getting funding, ways to pay, problems with care

    Student and graduate money

    Credit cards, bank accounts, student debts

    Talk money

    Difficult conversations, talking to teenagers, older people and partners

    Family & care

    All Family & care guidance

    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Buying a home

    Mortgages, help buying, remortgaging, first-time buyers, help and support

    Renting

    Renting a home to live in, renting out a home, and overcoming problems

    Homes

    All Homes guidance

    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Help with the cost of living

    Budgeting, paying bills, finding extra financial support, coping with job loss

    Dealing with debt

    Bills, court fines, help with debts

    Money problems and complaints

    What to do about mis-selling, compensation and complaints

    Scams

    Spotting scams and what to do if you’re caught out

    Money troubles

    All Money troubles guidance

    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Auto enrolment

    Introduction, how it works, all about contributions

    Building your retirement pot

    How much do you need, ways to build your pot, transferring and merging

    Pension basics

    Starting a pension, types of pension, understanding pensions

    Pension problems

    Complaints, financial help when retired, changes to schemes

    State Pension

    How it works, what you might get, National Insurance

    Taking your pension

    Ways to draw your pension, when can you retire, Pension Wise appointments

    Tax and pensions

    Tax allowances, tax paid on pensions, tax relief

    Pensions and retirement

    All guidance, including how to use the Pension Wise service

    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

  • How to save

    Getting started, getting the most out of savings, problems

    Investing

    How to invest, types of investing, buying and managing

    Types of savings

    Help with meeting goals, tax-friendly saving, saving for children

    Savings

    All Savings guidance

    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Employment

    Basics, benefits, tax and National Insurance

    Losing your job

    What to do, alternatives, redundancy pay

    Self-employment

    Starting out, insurance, tax, self-assessment

    Work

    All Work guidance

    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit Find out how Universal Credit works and how to manage your payment
    Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    Benefits in later life You may be entitled for help with other costs on top of your State Pension
    Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    Problems with benefits What to do if something goes wrong with your benefits
    Benefits All Benefits guidance
    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Banking and payments How to choose, use and manage bank accounts
    Budgeting How to budget, find the best deals and switch to save money
    Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    Credit Credit basics, applying for credit, credit ratings and problems with credit
    Insurance Insurance for cars, health, travel, and help with insurance
    Everyday money All Everyday money guidance
    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Money Midlife MOT

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Becoming a parent Having a baby, returning to work, childcare costs
    Death and bereavement Wills, inheritance, sorting out estates
    Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    Illness and disability Managing costs, extra financial support, help with work or study
    Long-term care Paying and getting funding, ways to pay, problems with care
    Student and graduate money Credit cards, bank accounts, student debts
    Talk money Difficult conversations, talking to teenagers, older people and partners
    Family & care All Family & care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Buying a home Mortgages, help buying, remortgaging, first-time buyers, help and support
    Renting Renting a home to live in, renting out a home, and overcoming problems
    Homes All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    Dealing with debt Bills, court fines, help with debts
    Money problems and complaints What to do about mis-selling, compensation and complaints
    Scams Spotting scams and what to do if you’re caught out
    Money troubles All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Auto enrolment Introduction, how it works, all about contributions
    Building your retirement pot How much do you need, ways to build your pot, transferring and merging
    Pension basics Starting a pension, types of pension, understanding pensions
    Pension problems Complaints, financial help when retired, changes to schemes
    State Pension How it works, what you might get, National Insurance
    Taking your pension Ways to draw your pension, when can you retire, Pension Wise appointments
    Tax and pensions Tax allowances, tax paid on pensions, tax relief
    Pensions and retirement All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

  • How to save Getting started, getting the most out of savings, problems
    Investing How to invest, types of investing, buying and managing
    Types of savings Help with meeting goals, tax-friendly saving, saving for children
    Savings All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Employment Basics, benefits, tax and National Insurance
    Losing your job What to do, alternatives, redundancy pay
    Self-employment Starting out, insurance, tax, self-assessment
    Work All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

Home
Cymraeg
  1. Home
  2. Benefits
  3. Problems with benefits
Benefits Problems with benefits

Where can I get help and advice about benefits?

Working out what benefits or tax credits you’re entitled to can be tricky, especially with recent welfare changes. Find out where to get free expert advice online, face-to-face or by calling an advice helpline.

What’s in this guide

  • Citizens Advice
  • How to get access to a food bank
  • Law Centres
  • Macmillan benefits advisers for people affected by cancer
  • Age UK benefits advice for older people
  • Gingerbread Single Parent Helpline
  • Other free help and advice

Citizens Advice

Citizens Advice can give you free, confidential, impartial and independent benefits advice.

Advice offered

As well as benefits advice, they can help you resolve problems with debt, housing and many more issues

Services provided

  • online
  • home visits
  • face-to-face
  • advice helpline
  • email (in some cases).

Suitable for

Everyone.

Contact Citizens Advice

Find your local branch to arrange an appointment, or view a list of phone numbers:

  • England and Wales Citizens Advice
  • Scotland Citizens Advice
  • Northern Ireland Advice NI
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How to get access to a food bank

If you’re facing an emergency and have no money to pay for food, you might be able to use a food bank.

You usually can’t go directly to a foodbank. Most of them will ask you to get a referral voucher from an organisation in your community before you can use them.

Places where you can get a foodbank voucher include:

  • Citizens Advice
  • your local council
  • GP or health visitor
  • Support worker
  • Social worker
  • Children’s Centre
  • Police.

If you think you need to use a food bank, follow these steps:

  1. You can search online for food banks in your area. You’ll be able to find out where they are and which local community organisations the foodbank works with who can organise a voucher for you.
  2. Or, a referral organisation can help you find the nearest food bank and give you a voucher. For help with this, go to the Citizens Advice website.
  3. When you arrive at the referral organisation, you’ll be asked for some basic information to find out your needs and check if you can get a voucher.
  4. If you qualify, the referral organisation will give you a voucher to take to the foodbank to exchange for food.
  5. If you need to use a food bank again, you’ll need to get another referral.

Things to think about if you need a foodbank voucher

If you think you’ll run out of food by the end of the week, it’s important to plan ahead. Most food banks aren’t open at the weekend, so try to get a referral before the weekend.

Before visiting a community referral organisations, or a Citizens Advice branch – make sure you check they’re open first, before travelling there.

If you’ve got your voucher but you’re not able to travel, your nearest food bank might be able to deliver. Contact them to find out.

Some foodbanks put a limit on the number of times you can use them. If you find yourself relying on them too often, they’ll be able to help you find other support.

Finding a food bank

Find an independent food bank near you at Food Aid Network

You can find your nearest Trussell Trust food bank at Trussell Trust

Finding a referral organisation

Find your nearest Citizens Advice, and its opening times, on the Citizens Advice website

If you live in Northern Ireland, go to Advice NI

Find details for your local council at GOV.UK Opens in a new window
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Law Centres

Law Centres provide free legal advice and representation to disadvantaged people. They may be able to help you with expert advice if you have a complex benefit problem or you want to appeal against a decision made on your benefit entitlement.

Advice offered

As well as benefits and welfare rights advice, Law Centres offer legal advice on issues including employment and housing.

Services provided

  • face-to-face
  • telephone (in some areas).

Suitable for

Anyone who can't afford to pay for legal support.

Contact your local Law Centre

In England, Wales and Northern Ireland, find your nearest one at  Law Centres Network

In Scotland, find your nearest Law Centre at Shelter ScotlandOpens in a new window

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Macmillan benefits advisers for people affected by cancer

A Macmillan benefits adviser can help you work out what financial help you’re entitled to.

Advice offered

They offer specialist advice to help ease money worries.

Including information on:

  • loans
  • grants
  • benefits
  • tax credits.

Services provided

  • face-to-face
  • home visits
  • telephone.

Suitable for

Anyone affected by cancer. 

Find a Macmillan benefits adviser

Find one near you at  Macmillan Cancer Support

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Age UK benefits advice for older people

Some local branches of Age UK offer a free, confidential benefits advice service.

Advice offered

Practical assistance to make sure you’re getting all the benefits you’re entitled to.

Services provided

  • face-to-face
  • home visits
  • telephone
  • help with completing claim forms.

Suitable for

Anyone who’s over State Pension age and living in the area covered by the local branch.

Contact Age UK

Call the Age UK Helpline: 0800 169 6565 (8am to 7pm, 365 days a year).

Check out Age UK

Or put ‘Age UK’ plus the name of your local area into a search engine.

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Gingerbread Single Parent Helpline

Gingerbread provides advice and practical support for single parents, including advice on benefits and tax credits.

You can call free on 0808 802 0925 (Monday: 10am to 6pm, Tuesday, Thursday, Friday: 10am to 4pm, Wednesday: 10am to 1pm and 5pm to 7pm). Or check out the Gingerbread

Northern Ireland

Visit Parenting NI You can also call them free on 0808 8010 722 (Monday to Thursday: 9.30am to 3.30pm, and Friday: 9.30am to 12.30pm).

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Other free help and advice

Debt advice

If you’re worried about keeping up with debt repayments, there’s lots of free, confidential help and advice available.

Have you missed a payment?

Use our Debt advice locator tool to find free and confidential debt advice online, over the phone or near to where you live.

Housing advice

If you have rent or mortgage arrears, or you’re worried about losing your home, Shelter offer confidential advice on a range of housing issues.

  • Visit  Shelter England to get advice 
  • Visit Shelter Scotland to get advice 
  • Visit Shelter Cymru  to get advice 
  • Visit Shelter Northern Ireland  to get advice 

Help that’s local to you

If your problem is complex,  Advicelocal can help you find free and impartial adviceOpens in a new window in your area on:

  • benefits

  • Council Tax

  • housing

  • employment

  • disability and social care

  • asylum and immigration.

At advicelocal you can find a benefits specialist near youOpens in a new window

Use our Benefits Calculator

If you’re living on a low income or have had an income shock, use our Benefits Calculator to quickly find out what you could be entitled to

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Problems with benefits

Problems with benefits

  • Universal Credit problems
  • What to do if your benefits are cut
  • Where can I get help and advice about benefits?
  • Welfare benefit changes after the United Kingdom (UK) leaves the European Union (EU)
  • How to appeal a benefits decision
  • Benefit sanctions and what to do about them
  • Universal Credit scams
  • How to claim benefits or State Pension without a bank account
  • Repaying benefit debts and overpayments
  • How do savings and lump sum payouts affect benefits?
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website

Problems with benefits

  • Universal Credit problems
  • What to do if your benefits are cut
  • Where can I get help and advice about benefits?
  • Welfare benefit changes after the United Kingdom (UK) leaves the European Union (EU)
  • How to appeal a benefits decision
  • Benefit sanctions and what to do about them
  • Universal Credit scams
  • How to claim benefits or State Pension without a bank account
  • Repaying benefit debts and overpayments
  • How do savings and lump sum payouts affect benefits?
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