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Tackling financial exclusion

  • Woman being shown how to use digital tablet.

    The social landlords stepping in to help computer-illiterate residents

    Universal credit will hugely increase demand for digital access – so housing associations have started doing more for tenants without the internet
  • Customers queuing in a high street Post Office

    Should councils stop paying benefits in cash?

    Issuing prepaid cards that can be monitored online may make life easier for councils and residents, but concerns remain over control, choice and privacy
  • Roman Road in the Welsh Valleys

    Financial exclusion in the Welsh valleys, 13 miles from the nearest bank

    In the Dulais Valley we support benefit claimants who are getting into debt because of confusing welfare reforms
  • Close up of a woman's hand sorting through bills.

    How to help residents trapped by financial exclusion – livechat

    Join us on Tuesday 26 April 11:30 – 13:00 BST, to discuss how professionals in councils, charities and housing can promote financial inclusion
  • A man worrying over his household bills

    The vital role of credit unions in providing access to low-cost finance

    With millions of Britons excluded from mainstream finance, credit unions can help. So what can be done to support the sector?
  • Edinburgh skyline from Calton Hill at sunset

    Debt is dealt with better in Scotland - we need the same for England and Wales

    Wilf Stevenson
    Vulnerable people in debt throughout the UK need the support, protection and room to breathe that’s offered north of the border
  • Hands holding money and a shopping receipt

    How we're helping domestic abuse survivors find financial freedom

    Taking control of their own finances can be daunting for women escaping domestic violence. An east London project helps them become independent
  • A back street, with washing drying on the line and bins outside, between two rows of terraced houses in Bolton Lancashire<br>DET833 A back street, with washing drying on the line and bins outside, between two rows of terraced houses in Bolton Lancashire

    Compromised and under pressure: social housing in the wake of universal credit

    Welfare reform has spurred record levels of debt among tenants, with 25% of council tenants on universal credit facing legal action in some areas
  • A man worrying over his household bills in the UK

    The big danger today is people don't realise they have a debt problem

    Joanna Elson
    People are less likely to seek help if they fall behind on household bills, but this has become a bigger issue than loans, overdrafts and credit cards
  • Potholes roadsign

    The way insurers lock out people with court convictions is bizarre

    Christopher Stacey
    Mainstream home and car insurers have a blanket ban on people with unspent convictions – these kinds of policies are unfair and sometimes illegal
  • sign for disabled access on a building in central London

    What if the computer says no because you are a disabled consumer?

    Martin Coppack
    Half a million people believe they have been denied insurance because of a disability. Businesses could prosper if they tried to understand unique needs
  • An elderly woman doing her accounts

    The five biggest financial pressures social housing tenants face

    Our financial inclusion team at a Wakefield housing association received 1,300 referrals last year for debt, benefit cuts and more. We share tips on how to help
  • Bailiff looking through a letterbox

    'I thought I was going to prison, I owed the council that much money'

    Victims of public sector debt collectors explain the impact of bailiffs, inflexible demands and unaffordable payments on their mental health
  • Citizens Advice Bureau office in Haringey.

    It will hurt like hell if Newcastle's Citizens Advice bureau shuts down

    Mary O'Hara
    Advice services are crucial in the north east – the region worst hit by austerity – yet a major city branch faces closure due to council cuts
  • Sheffield City buildings Ponds forge and supertram "Great Britain"<br>ACTHW1 Sheffield City buildings Ponds forge and supertram "Great Britain"

    Credit unions: turning goodwill into action: panel debate

    Our panel debate on Wednesday 2 March 2016 will discuss the best way to provide more inclusive access to low-cost borrowing
  • Lego Exhibition, Warsaw, Poland - 18 Dec 2015

    The high-wire act of Christmas on the poverty line

    For people on a very tight budget, Christmas can tip family finances into crisis. Luckily, some housing associations provide budgeting advice
  • Disabled male in a residential care home.

    How I helped a man with a degenerative spinal disease beat the bedroom tax

    Sanela Cox
    He was charged for living in a home adapted to his disability with a spare room for his daughter. I stepped in when his rent arrears reached £1,000
  • Woman moving house in bare room with storage boxes reading a letter or bill from the bank

    Young people learning to avoid eviction: 'I thought rent wasn't a priority'

    Living alone can be extremely daunting for young vulnerable people. A new course teaches them how to cope with tenancy, debt and isolation
  • Conservative Party Ministers Attend The Weekly Cabinet Meeting<br>LONDON, ENGLAND - NOVEMBER 17:  Iain Duncan Smith, Secretary of State for Work and Pensions, arrives at Downing Street for the government's weekly cabinet meeting on November 17, 2015 in London, England.  Prime Minister David Cameron has announced plans to recruit 2,000 new spies following claims that UK security services have halted seven terror attacks plots in the past six months.  (Photo by Rob Stothard/Getty Images)

    Universal credit is undermining even the Tory ambition to make work pay

    Emily Thornberry
  • The hands of a middle-aged woman handling cash

    Universal credit could prove an uphill struggle for low income families

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