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Ensuring you feel secure in your home is our absolute priority. We want to reassure you that no-one will lose their home as a result of the coronavirus outbreak.

We will provide as much support as we can to help you through this uncertain time. If you have any concerns about your tenancy or keeping up with payments, please get in touch so we can help you explore all of the options available to you.

  • Don’t forget our Money Advice Team. They are experts on all things money and are keeping up to date on all the support available to people during the current situation, so if you do have any worries it really is worth speaking to them: whg Money Advice Service

Rent payments and your home

We want to reassure you that no-one will lose their home as a result of the coronavirus outbreak.
I’m worried I can't pay my rent open-tab

Ensuring you feel secure in your home is our absolute priority. We want to reassure you that no-one will lose their home as a result of the coronavirus outbreak.

Our expert money advisors are keeping up to date on all the options and support available to people during this difficult period. If you have any concerns they are here to talk things through.

We will do all we can to help you find the best solution for your individual circumstances, which may include coming to a different agreement for your rent payments. Please contact us or email money.advice.service@whgrp.co.uk if you wish to discuss your options.

The sooner you make a claim for benefits, like Universal Credit, the sooner you will receive payments. You have the option of taking an advance payment of Universal Credit if you need the money earlier. See the question ‘What benefit support is available?’ below for more information.

I am a shared owner - how does this affect me? open-tab

Ensuring you feel secure in your home is our absolute priority. We want to reassure you that no-one will lose their home as a result of the coronavirus outbreak.

If you bought your home from whg through shared ownership, it is likely that you pay both rent and a mortgage.

Like other mortgage holders, shared owners who are struggling to meet their mortgage payments will be able to request a mortgage payment holiday from their lender.

If you are struggling to pay your rent, you should get in touch with whg as soon as possible so we can help you explore the options available to you.

Money matters and benefits

Advice and support if you have financial concerns.
I'm worried I can't pay my bills open-tab

whg’s expert money advisors are keeping up to date on all of the options and the support available to people. They can help guide you if you are struggling with bills: whg Money Advice Service.

Energy bills

The government has launched an emergency package with energy suppliers to ensure you don’t face any additional hardships in heating or lighting your home during the coronavirus outbreak.

If you are struggling with money problems options will include:

  • reviewing bill payment plans, including debt repayment plans
  • payment breaks or reductions in how much you pay
  • giving you greater time to pay
  • in some cases access to hardship funds.

If you think you can’t afford to pay for any extra gas or electricity used because you’re having to self-isolate at home, support will be available through your energy supplier. Your supplier must take into account how much you can afford, and will explain your options.

The latest guidance on energy supply and coronavirus can be found on the OfGem website here.

Water bills

Water suppliers are ready to work with customers who are worried about their ability to pay. You should check their websites for more information.

What benefit support is available? open-tab

Ensuring you feel secure in your home is our absolute priority. We want to reassure you that no-one will lose their home as a result of the coronavirus outbreak.

As people required to stay at home where possible, you may need access to financial support very quickly if your income has been affected due to being unable to go to work.

You may be able to claim ESA (employment support allowance), and you should think about applying for Universal Credit if you are worried you are going to struggle. This website can help you get started.

If you are unsure what you might be eligible for or don’t know where to start, the whg Money Advice Service is here to help and you should contact them as soon as possible.

The sooner you make a claim for benefits, like Universal Credit, the sooner you will receive payments. You have the option of taking an advance payment of Universal Credit if you need the money earlier.

  • Warning for tax credit claimants:  Applying for Universal Credit will mean that your tax credit claim will end immediately. It isn’t possible to re-open a tax credit claim once it has closed.
What happens if I’m self-employed and cannot work? open-tab

Ensuring you feel secure in your home is our absolute priority. We want to reassure you that no-one will lose their home as a result of the coronavirus outbreak.

A support package for those who are self-employed and unable to work, called the Self Employed Income Support Scheme (SEISS), has been announced by the government. Those who are eligible should now have been contacted by HMRC. If you think you are eligible but have not heard anything, you should check your eligibility here.

You may also be able to claim ESA (employment support allowance), and you should think about applying for Universal Credit if you are worried you are going to struggle. This website can help you get started.

As ever, whg’s expert money advisors are keeping up to date on all the options and support available to people during this difficult period.

We will do all we can to help you find the best solution for your individual circumstances, which may include coming to a different agreement for your rent payments.

If you have any concerns they are here to talk things through and can help point you in the right direction: please contact us as soon as possible or email money.advice.service@whgrp.co.uk so our team can try and support you.

I'd like to find work open-tab

Many businesses have staff shortages due to coronavirus. If you are interested in any of these roles, whg’s Employment and Training team are here to help.

Although the team can’t offer face-to-face support like normal, they are still available to help you with a range of other support like job applications and work searches.

Call them on 01922 426803 or email Employment.Training@whgrp.co.uk to get started.

We are regularly sharing local job vacancies on our FacebookTwitter and Instagram pages.

Should I take out a loan? open-tab

Taking out a loan is one way to get an immediate cash boost, but often they can cause long term pain as they accrue interest over time.

Later down the line you could find yourself in a worse position than you were before, as you will need to pay back the loan.

The sooner you make a claim for benefits, like Universal Credit, the sooner you will receive payments. You have the option of taking an advance payment of Universal Credit if you need the money earlier. This website can help you get started.

If you are thinking of taking out a loan, please contact us first to discuss your options. We will do all we can to help you find the best option for your individual circumstances, which may include coming to a different agreement for your rent payments.

How can I top up my meter if I am self-isolating? open-tab

Customers with prepayment meters who are self-isolating or unable to leave their home should speak to their energy supplier for their options. This may include:

  • someone being sent to top up your prepayment card or token
  • having funds added to your meter credit
  • having a preloaded gas or electricity card sent to you in the post.

No credit meters will be disconnected during the outbreak.

whg provide access to some meters. If you know this is the case for your meter, and your energy supplier or another person needs to access the meter, you need to let us know.

The latest guidance on energy supply and coronavirus can be found on the OfGem website here.

I can't withdraw my money open-tab

Remember that whg offices are now closed, so we can no longer accept rent or other payments in cash, but we want to reassure you that no-one will lose their home as a result of the coronavirus outbreak.

As at 01/04/2020 some bank branches remain open, although many have reduced their hours. You should check online and contact your banking provider for information on allowing someone else to collect your money if you really need it.

If you have a Post Office account:

If you can’t get to a Post Office branch or a Post Office ATM on a regular basis, you can nominate a helper known as a permanent agent to have access to your account. Ensure this is someone you trust completely as they will have full access to your account with their own card and PIN.

To do this, complete a permanent agent access form P6163 available at your local Post Office* or by calling the POca helpline on 03457 22 33 44. To keep your account safe, only one helper can have access at any one time and they must be at least 16 years old.

Please note: You can ask someone to collect sand take the form to the Post Office on your behalf as long as the form is complete and has been signed by yourself.

My local Post Office is closed and I need to collect my money:

If your local branch is closed it will have a notice advising of the next nearest open branch. You can also use a Post Office ATM to withdraw cash from your POca. You can search for the nearest open branch using the branch finder on the Post Office website: postoffice.co.uk/branch-finder

Further information can be found on: postoffice.co.uk/post-office-card-account

If you are unable to withdraw money you can also consider nominating someone else to collect your money for you. The pension/benefit is still paid into your account and then the person you have chosen can go to your account provider and draw it out for you. You should contact your account provider for information on allowing someone else to collect your money.

I need help putting food on the table open-tab

If you need help putting food on the table, whg will work with you to help you get through your crisis and can advise how and where you can access your local food bank. You may need a referral from whg to be able to access the food and supplies you need, so you should speak to us first.

If you are unable to attend the food bank in person, please let us know so we can see if alternative arrangements can be made.

What support can I access if I need to self-isolate? open-tab

Individuals who are informed by NHS test and trace on or after 28 September 2020 to self-isolate due to receiving a positive COVID-19 test – or have been identified by NHS test and trace as a ‘close contact’ of someone with a positive COVID-19 test, may qualify for a support payment of £500 if they will lose money due to self-isolation.

You can make your application online and upload the required evidence, on the Walsall Council website found here.

If you are unable to use the online application process you can contact the council on 01922 654111.

Digit and Ali say:

The quickest and easiest way to report a repair is online using My whg!

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I was a bit worried about Universal Credit, but I feel much more confident now.”

Lisa
'UC Savvy' workshop attendee
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