Financial Advice

Direction for Bedfordshire can introduce you to a collection of funders in your area who can help with individual financial advice and support, whether it be money for buying equipment or household goods, debt recovery or training and clothing you may need for job interviews

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2020 Guide to Universal Credit

2020 Guide to Universal Credit

User-friendly guide to help people understand the Universal Credit benefit system

Areas of Operation:
National

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4mation

4mation

01234 353578

4mation is part of YMCA Bedfordshire, a registered charity. It is also a social enterprise working primarily across Bedfordshire. They can provide volunteering opportunities to help people gain skills. They also provide low cost second-hand, refurbished and new household furniture and appliances. Food4 can provide access to free healthy food essentials.

Areas of Operation:
Bedford

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Advice Central

Advice Central

0300 303 6666

People living in Central Bedfordshire now have a single source of information on a vast range of topics including: benefits, debt, disabilities, education, health, housing, immigration, employment, legal and more.

Areas of Operation:
Central Beds

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Bedford Borough Council

Bedford Borough Council

The advice and benefits pages provide useful information and help on many of the issues such as Housing Benefit, Council Tax, Benefit Grants and alternatives to Payday Loans.

Areas of Operation:
Bedford

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Bedford Credit Union

Bedford Credit Union

01234 346 352
generalmanager@bcumail.org.uk

Bedford Credit Union (BCU) is a not-for-profit financial co-operative owned and controlled by its members. We encourage regular saving and thrift together with the provision of loans that are sensibly priced and affordable. BCU has community service at its heart and as such we involve volunteers in the running of the office, carrying out many of the key functions of the business.

Areas of Operation:
Bedford

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Bedford Foodbank

Bedford Foodbank

01234 268569
info@bedford.foodbank.org.uk

Bedford Foodbank’s volunteers work with referral partners to provide a minimum of three days emergency food and support to people experiencing crisis in our community.

Areas of Operation:
Bedford

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Citizens Advice – Bedford & District

Citizens Advice – Bedford & District

01234 867944
Admin@bedfordcab.org.uk

​Citizens Advice Bedford & District is an independent charitable organisation that helps people resolve their problems by providing information and advice. The service is open to anyone: it is free, independent, confidential and impartial. CAB&D exists to help those who live or work in the Borough of Bedford.

Areas of Operation:
Bedford

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Citizens Advice – Luton

Citizens Advice – Luton

0344 245 1285

We provide free, confidential and impartial advice and campaign on big issues affecting people's lives. Our goal is to help everyone find a way forward, whatever problem they face. We're an independent charity and part of the Citizens Advice network across England and Wales.

Areas of Operation:
Luton

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Christians Against Poverty

Christians Against Poverty

01274 760720
info@capuk.org

We are passionate about releasing people from a life sentence of poverty, debt, unemployment and addiction. Working with the Church we bring good news, hope and freedom to people in the UK. In the Bedford area, CAP have a Debt Centre providing advice on debts, and also a Job Club proving employment coaching.

Areas of Operation:
Bedford

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Dunstable Foodbank

Dunstable Foodbank

07874 200056
info@dunstablefoodbank.org.uk

Dunstable Foodbank’s volunteers work with referral partners to provide a minimum of three days emergency food and support to people experiencing crisis in our community.

Areas of Operation:
Central Beds

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Job Centre Plus

Job Centre Plus

0800 1690 190

Your local job centre can administer claims for Universal Credit. Claims can be made on the website.

Areas of Operation:
Bedford, Central Beds, Luton

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Level Trust

Level Trust

07480 753905
admin@leveltrust.org

We help families overcome the costs of education so all children in Luton have the chance to love learning.

Areas of Operation:
Luton

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Luton Borough Council

Luton Borough Council

The advice and benefits pages provide useful information and help on many of the issues including various Benefits entitlements, Council Tax Reduction, Universal Credit and Local Welfare Assistance.

Areas of Operation:
Luton

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Luton Foodbank

Luton Foodbank

01582 725838
info@lutonfoodbank.org.uk

Non-perishable food is donated at collection points across the town. People needing food are given a voucher by front-line professional agencies.

Areas of Operation:
Luton

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Luton Irish Forum

Luton Irish Forum

01582 720447
info@lutonirishforum.org

Objectives of the Luton Irish Forum are to relieve persons in need, poverty or distress, particularly, but not exclusively of Irish descent, through the provision of advice and information concerning health and benefits as well as other support.

Areas of Operation:
Luton

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Luton Law Centre

Luton Law Centre

01582 481000
admin@lutonlawcentre.org.uk

Luton Law Centre is a not-for-profit legal practice which gives professional, confidential legal advice and assistance. We use our legal expertise to make sure everyone has access to justice. We help people get the support they are entitled to, or get redress for unfair or wrong decisions. Services include EU Settled Status, Immigration and Asylum, Windrush Scheme, Housing and Homelessness, and Community Care.

Areas of Operation:
Luton

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Luton Rights

Luton Rights

01582 453372
admin@lutonrights.org

Luton Rights seeks to address the practical, financial and social problems encountered by the unemployed and other disadvantaged sections of the population within the Luton and surrounding areas.

Areas of Operation:
Luton

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Luton Roma Trust

Luton Roma Trust

01582 510709
office@lutonromatrust.org.uk

The Luton Roma Trust supports the Roma community to integrate in a holistic way into life in the UK. Working at the heart of Luton’s Roma community, we meet them in their deepest need, helping them to access accommodation, education, welfare, medical care and employment.

Areas of Operation:
Luton

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Migrant Help UK

Migrant Help UK

0808 8010 503
info@migranthelpuk.org

Help for people affected by displacement and exploitation. We offer our clients the advice and support they need to feel safe and lead successful lives in the UK. We assist victims of human trafficking and modern slavery on their path to recovery and work with other agencies to combat this abhorrent crime.

Areas of Operation:
National

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Money Advice Service

Money Advice Service

0800 138 7777
enquiries@maps.org.uk

Free and impartial money advice, set up by government. Advice and guides to help improve your finances. Tools and calculators to help keep track and plan ahead. Support over the phone and online.

Areas of Operation:
Bedford, Central Beds, Luton

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Money Matters

Money Matters

07716 84880
headoffice@mmcu.co.uk

Money Matters Credit Union has been established since 1995 and we provide affordable financial services to those who live and / or work in Luton and South Bedfordshire in the LU postcode area.

Areas of Operation:
Central Beds, Luton

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National Debtline

National Debtline

0808 808 4000

Giving free, impartial and confidential debt advice for over 25 years. We are an independent charity, dedicated to providing free debt advice by phone and online to people across the UK.

Areas of Operation:
National

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One Stop Advice Centre

One Stop Advice Centre

01582 967 473
info@onestopadvicecentre.org.uk

One Stop Advice Centre (OSAC) provides comprehensive advice and support in areas (representation in some areas) of welfare benefits, debt, housing and immigration.

Areas of Operation:
Luton

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Pay Plan

Pay Plan

0800 280 2816

At PayPlan we understand the impact that debt can have on you, your family and your life. We believe that you can, and should, live a happy life whilst repaying your debt. Every year, we offer guidance on a wide range of practical debt solutions to more than 80,000 people.

Areas of Operation:
National

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Polish British Integration Centre

Polish British Integration Centre

01234 328100
info@pbic.org.uk

PBIC was set up in 2007 to in response to the need to support migrants newly arriving to the UK. We offer a number of services to our clients, which help with successful integration into British society.

Areas of Operation:
Bedford, Central Beds, Luton

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Salvation Army

Salvation Army

01582 450038
luton@salvationarmy.org.uk

The Salvation Army works with Community Money Advice (CMA) to provide debt advice services including producing statements of client's income, providing budgeting advice, writing to creditors on the client's behalf and providing pastoral and practical support.

Areas of Operation:
Bedford, Central Beds, Luton

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St Andrew’s Church

St Andrew’s Church

07599 618602
moneyadvice@standrewsbedford.org

​We hold confidential debt advice sessions on a Thursday morning at St Andrew’s Church Centre in Kimbolton Road, Bedford MK40 2PF and at other times by arrangement. Our trained debt advisers will not judge you; they will listen to you and offer you solutions.

Areas of Operation:
Bedford

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Step Change

Step Change

0800 138 1111

Our expert advice helps you deal with your debts and get the support you need. You can get advice online or over the phone, and we'll recommend a range of practical debt solutions based on your situation.

Areas of Operation:
National

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Stepping Stones

Stepping Stones

01582 457114
hello@steppingstonesluton.org.uk

Stepping Stones (Luton) is a charity dedicated to supporting women to transform the stumbling blocks of their lives into stepping stones; creating happier, healthier lives for women, their children and families. We provide a safe, welcoming, non-judgemental environment for women living in Luton and Central Bedfordshire, who have suffered abuse, who are vulnerable due to substance misuse, offending, mental health conditions and/or are involved with Local Authority Children’s Social Care.

Areas of Operation:
Central Beds, Luton

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Turn2us

Turn2us

​Turn2us is a national charity that helps people in financial hardship gain access to welfare benefits, charitable grants and support services. They don't provide individual advice but they do have a list of advisors in your local area if you need that.

Areas of Operation:
National

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Veterans UK

Veterans UK

0808 1914218
veterans-uk@mod.gov.uk

Veterans UK administers the armed forces pension schemes and compensation payments for those injured or bereaved through service. We also provide welfare support for veterans of any age, and their families through the Veterans Welfare Service and the Veterans UK helpline.

Areas of Operation:
National

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