Finances

If your finances have been badly affected by the pandemic please email us at duty.communities@scambs.gov.uk. We may be able to offer direct financial assistance.

Other support and guidance is also available from debt advice agencies such as Citizens Advice or Step Change.

If you have been asked to self-isolate, there are payments of £500 available to support a loss of income during the isolation period.

Anyone whose income has reduced should also make sure to check the government website, to see what benefits you may be entitled to, and then contact us to apply for Council Tax Support and to find out about other help we may be able to offer, such as through the COVID-19 Hardship Fund.

For those that are still worried about their finances, or who would like more information on how to best manage their budget, the government-backed Money Navigator Tool provides guidance tailored to individual needs, including directing individuals to further advice where appropriate, such as free debt advice.

Please also use the links below to jump to information on:

Council Tax

You can: 

Energy bill payments

If you are struggling to pay for gas or electricity as a result of the Coronavirus outbreak, the government and energy companies have agreed a range of support measures.

The best place to access help first is your energy supplier, so contact them and explain your specific circumstances. Useful information can be found on Citizens Advice if you're struggling to pay your energy bills. Money Saving Expert also details what energy companies are doing to help and how to contact the suppliers.  

Financial support if you’ve lost your job or you’re getting less work or no work at all

Make sure to check the government website, to see what benefits you may be entitled to, and then contact us to apply for Council Tax Support and to find out about other help we may be able to offer, such as through the COVID-19 Hardship Fund.

Unexpected expenditure

If you are suffering financially and need help with big, unexpected expenditure, such as with replacing white goods, there are limited options for help with replacement of white goods but the following may help:

  • Cambridge Local Assistance Scheme (CLAS). Applicants must have lived in Cambridgeshire for six months (unless they have fled to the area for their own safety), have no savings, and receive one of the following means tested benefits: Income Support; income based Job Seekers Allowance (JSA); income related Employment and Support Allowance (ESA); Pension Credit; Universal Credit. If they are working, their total household must be below the HMRC low income threshold.
  • Budgeting loans for people receiving certain benefits. Applicants must have been receiving one of the following benefits for six months: Income Support; income based Job Seekers Allowance (JSA); income related Employment and Support Allowance (ESA); Pension Credit. For people who moved from Universal Credit to Pension Credit, any time spent claiming Universal Credit will count towards the six months. You cannot get a Budgeting Loan if: you are currently claiming Universal Credit (apply for a Budgeting Advance instead); you’re involved in industrial action; or you owe more than £1,500 in total for Crisis Loans and Budgeting Loan.

Water bill payments

Anglian Water

Anglian Water are offering a £1million Assistance Fund for customers who are struggling to pay their bills and may be able to take advantage of. 

If you’re worried about paying your water bill there are 2 ways to contact Anglian Water:

  1. Complete the online Anglian Water Extra Care form
  2. Call their specially trained team on 0800 169 3630

Cambridge Water

If your water is supplied by Cambridge Waterplease see their range of special tariffs and options to help people who are on a low income or who are struggling to pay their water charges.

Mortgages

At the start of the pandemic in March 2020, the Financial Conduct Authority published guidance setting out their expectation that firms offer mortgage payment holidays. Mortgage holidays allow customers affected by coronavirus to defer making up to 6 monthly mortgage payments (although interest will still accrue during this period). Eligible customers can apply for these until 31 March 2021.

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