A benefit shortfall happens when your benefits do not cover your essential living costs, especially housing. This can happen for many reasons, from the benefit cap to sanctions to your rent being higher than what benefits will cover. If your money is not stretching far enough, we can help you check whether you are getting everything you are entitled to.
If you already receive a benefit like Universal Credit, Income Support, or Pension Credit, you may automatically qualify for extra help with things like prescriptions, school meals, energy bills, and more. These are called passported benefits, and many people miss out on them simply because they do not know they exist. We can help you check what you are entitled to.
If you are under 25 and struggling with money, you may be able to claim Universal Credit. You can apply even if you are working, and there are special rules for 16 and 17 year olds.
If you have a Social Fund loan (such as a Budgeting Loan or Budgeting Advance), repayments are usually taken directly from your benefits. This can make it harder to cover your essential bills. Contact us for free advice on managing your repayments and checking what other support you may be entitled to.
If the DWP or your council says you have been overpaid benefits, they can deduct money from your future payments or take other enforcement action. This usually makes it a priority debt. Contact us for free advice on your rights and options.