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Support with money matters

On this page you will find:

Help with Debts

General Advice on making savings and using money wisely

Help with Benefits Advice

Trafford Citizens Advice and Community Response Hubs

Trafford Assist Welfare Scheme

Help with Fuel/Heating

Courses to help manage money

Trafford Crisis Fund

Help with Debts

Breathing Space

On Tuesday 4 May two new government schemes are launching which aim to help millions who are struggling with problem debt.  Find out more about Breathing Space and the Breathing Space Mental Health Crisis Debt Scheme.

National Debtline

Charity giving free and independent debt advice over the phone and online.

Call 0808 808 4000 Monday to Friday 9am to 8pm and Saturday 9.30am to 1pm

Money Advice Service

Can help you become debt free.       

033 0055 2902 (Freephone) Monday to Friday 8am-7pm

Christians against Poverty

Can also help to manage your debts (in some areas of Trafford- see below)

To make an appointment to see a local debt coach please call CAP on Freephone 0800 328 0006

If you wish to speak to a local debt coach please contact:

Altrincham and Partington CAP Debt Centre postcode coverage WA14, WA15, M31  

Debt Centre Manager Claire Gregory Tel 07894 728884      


Sale CAP Debt Centre postcode coverage M31, M32, M33, M41 

Debt Centre Manager Debbie Walters Tel 07895 612711    


Step change

Call 0800 138 1111 Monday to Friday, 8am - 8pm and Saturday 8am - 4pm

Find out more about Step Change 


General Advice on making savings and using money wisely

If you want to look at how you could be saving money on energy or credit card bills, the Money Saving Expert is a trusted place to go for advice.

Uswitch is also really helpful for checking if you are paying too much on your energy or broadband bills and can help you find a cheaper provider.   


Join your local credit union

Did you know credit unions are an alternative to banks that support the financial wellbeing of their members.

Becoming a member of a credit union can be a good way of effectively managing your finances long term.

A key appeal of credit unions is a willingness to make small loans of £50 to £3,000, which most high-street banks won’t do. They're a much cheaper alternative to payday loans and other high-interest lenders, and some credit unions can even get cash to you the same day.

You can find your local credit union here

Manchester Credit Union: *please follow this link and read the information about a fraudulent site operating*


Help with Benefits Advice

Age UK Trafford can help with benefit checks and Attendance Allowance applications for people over 65. Phone them to see what you could be eligible for Monday to Thursday’s on 0161 746 9754.

Trafford Carers Centre’s Benefits Caseworker runs a Zoom Benefits Advice Session on the last Wednesday of every month from 11am to 12 noon for any carers who are registered with the Centre-for further information or to book onto a session call 0161 848 2400 and select option 1.

Any professionals who would like to are welcome drop-in to the sessions too and for anyone who is interested, they should drop an email to so that the zoom login details can be shared.

Trafford Citizens Advice and Community Response Hubs

You can find answers to problems relating to debt and money, benefits, work, consumer, family, housing, law and courts, immigration or health by calling our adviceline on 0808 278 7803 

Debt Advice from Trafford Citizens Advice 

We advise on the full range of debts from rent and mortgage arrears to credit cards, personal loans and council tax issues. There are various options that exist to help you deal with your debt problems. These include bankruptcy, debt relief orders, debt management plans, administration orders, debt consolidation and Individual Voluntary Arrangements (IVAs). We explain how they work and whether they might be right for you. Phone 0808 278 7803 to arrange an appointment. 

Trafford Assist Welfare Scheme

Trafford Assist is Trafford's Local Welfare Assistance scheme designed to help residents:

  • Meet immediate short-term needs in an emergency or as a result of a disaster.
  • Return to or remain in the community and help them to live independently in their own home.

Find out more at Trafford Assist.  You can also call 0808 278 7803 for Trafford CAB, who will put you through to Trafford Assist if eligible.

Help with Fuel/Heating

Are you on a Pre-Paid Meter and Self-Isolating?

You can contact your energy provider who will send out 2 weeks’ worth of gas and/or electricity. If you have a smart meter they can top the meter up remotely.

  • British Gas 0333 202 9802
  • EDF 0333 200 5100
  • EON 0345 052 0000
  • N Power 0800 073 3000
  • Scottish Power 0800 027 0072
  • SSE 0345 026 2658

The Warm Home Discount Scheme

If you are on a low income or receiving some means tested benefits you may be able to claim support with your heating bills this winter. Follow the link below and check if your energy supplier is part of the scheme, and if you are able to claim. You can still apply if you are on pre-paid meters.

United Utilities and Water Bills

If you are having trouble paying your bill, they can help.


To refer in to the Energyworks team please email  or call on 0800 090 3638

The support and advice they offer includes, but is not limited to:

  • Checking energy bills and offering an independent switching service
  • Dealing with the energy company on behalf of the customer around debts and discrepancies of their bills
  • The fitting of free small energy saving measures
  • Funding for larger measures – free replacement broken boilers, free 1st time central heating systems, loft and cavity wall insulation (subject to eligibility)
  • Possible reduction/capping of water rates

LEAP – Local Energy Advice Programme

  • Struggling to pay your bills?
  • Has it been too cold in your home?
  • Is living in a cold home affecting your health?

LEAP (Local Energy Advice Programme) is a new free energy and money saving advice service. LEAP can help you to save money and to keep your home warm and cosy.

Telephone 0800 060 7567



Courses to help manage money

Christians Against Poverty (CAP) Life Skills Service

CAP Life Skills is a free 8 week group course with a shared community meal each week, designed for people living on a low income, teaching practical skills and money management techniques in a hands-on way.

We cover topics such as household financial management, cooking on a budget, staying in control of your home energy, maintaining healthy relationships and taking care of our wellbeing.

There is a CAP Life Skills Manager in both Altrincham and Partington and they have the ability to take referrals across Trafford.

CAP Money

This is a free 3 part course to help you be in control of your money, giving you skills to make your money go further and begin saving for the future.

Book onto a local course and see where the nearest course is running or alternately please contact Claire Gregory on the above details or Peter Morris on 07854 543095 - Email: 


Trafford Crisis Fund

Residents and Business of Trafford have fundraised through the Just Giving page ‘Trafford Crisis Fund’ in order to support their neighbours who are struggling as a result of Covid-19 or other adversities.

A proportion of this money has been ring-fenced for Personal Support grants over Winter. 

The aim of the Support Fund is that the fund payments will be a one-off payment that will then improve the residents lives.  This could be a payment that will either alleviate an immediate crisis, (i.e. shopping vouchers for shoes), or else improve someone’s situation long term, (i.e. the cost of a driving licence fee so that someone has proof of ID so they can apply for a job).

The Support Grants are open to residents of Trafford only, residents can self-refer by ringing the Trafford Community Response Line on 0300 330 9073.