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Coronavirus has affected all UK families since the advent of blockade measures in March.
Many lenders, banks, and town halls have brought permits or payment permits to allow others to breathe with their expenses after the monetary conduct authority (FCA) publishes official guidelines.
These included breaks in:
Housing tax
Mortgage repayments (even if there are interest)
Credit card refunds (even if accrued)
Expansion of discoveries and provision of a mattress from 0% to 500 euros
Loan debt and catalog repayment
Repayments of loans with acquisition and next payment
Car finance refunds
These measures are expected to expire on October 31, however, others are encouraged to contact the local council provider to find out how to make the payment interruption larger.
Citizens Advice provides an advisor on what you can do if you are suffering to pay your expenses due to a coronavirus, including housing tax, rent, loans and energy expenses.
Getting help is vital if you are in debt or involved with cash. Don’t forget about your expenses or letters about the cash you owe.
You can find out how to start paying off your debts by contacting the organizations you owe cash to; possibly help you pay smaller amounts or take a long pay break.
You can seek the recommendation of a Citizen Advice advisor.
Some expenses can cause more disruption if you don’t pay for them. It’s worth checking what expenses you have to pay first.
Municipal tax arrears are a “priority debt,” which means you have to pay them back before credit card debts, as your city council will most likely take you temporarily to justice to get all the cash back at the same time.
You could possibly claim benefits or get more cash from your existing benefits if:
have a coronavirus, or follow the recommendation to stay home – the new Scottish scholarship for self-isolation is 500 euros
your job
or is self-employed and cannot find a job
you can’t paint because you’re closed
See the benefits you can get if you are affected by a coronavirus, one of the free, independent and anonymous benefit calculators online; you can find more information about it here.
You can contact your local council to see if they can provide you with more than one trouble-fighting fund by adding food or essentials such as clothing.
Find a direct link to your local council at MyGov. Scot here.
You may be eligible for a housing tax down payment if your income source has declined or if you have recently applied for benefits.
Tap the city corridor to see if you are eligible for tax relief; Look for a direct link to your city broker on the MyGov. Scot online page here.
If you think you are not eligible, Citizens Advice says it is valuable:
ask your city racer if you can get a relief on tourist tax
tell them if they have to pay, they may allow you to pay less for a while or pay more
Most organizations or others you owe cash to can help you do things like:
Reduce your payments
giving you time to pay
keep you connected to your service even if you want cash, for example, your energy, your phone or the Internet
Each provider will be different, so it’s critical to check what assistance you receive.
For detailed information on how to pay other types of invoices, visit the Citizens Advice online page here.
Whether you’re looking for tips for saving cash, assistance and recommendations for consumers or the latest donations to buy, sign up here at our Facebook money Saving Scotland organization and get the latest benefits, scholarships and grants news, and ask other members about your most productive cash savings recommendation.
You can also check out our Twitter @Recordmoney_ for regular updates here.