Debt Advice

Difficulties in paying your rent

If you cannot afford to pay your rent or fall behind with the payments, you should contact your Housing Manager as soon as possible at the CTR Triangle TMO office.

If you think you are going to be in arrears

If you are facing financial difficulties and think you are going to be in rent arrears you should contact your Housing Manager as soon as possible by:

How we can help you

We will:

  • advise you on how to claim Housing Benefit and Council Tax reduction if you are on a low income
  • advise you on claiming other benefits and where to go for more advice on benefits or arrange for you to see a specialist adviser
  • agree a repayment plan with you to keep your rent payments up to date and pay off the arrears
  • advise you of the seriousness of your arrears and the next steps we are due to take, including any legal action that we may be taking that could result in you losing your home.

What will happen if I don’t pay my rent?

If you owe rent you will not be able to:

  • insure your home contents with our insurance scheme
  • rent a garage from us
  • carry out a mutual exchange of your council home
  • get a good reference from us for a building society or bank should you want to buy your home
  • transfer from one council home to another and you may be refused other benefits associated with being a council tenant.

We may take court action against you, which could lead to you being evicted from your home.

Court action

If we take you to court and get a possession order and money judgement, you will:

  • have to pay our costs
  • lose the right to buy your home
  • have difficulty getting credit or loans.

A step by step guide to dealing with your debt

By working through the six stages of our debt advice, you will probably be able to find the help you need:

There are some situations in which a more formal method can be best, but you would pay a fee and there can be other disadvantages. Check first whether the informal method described in the six stages of our debt advice would suit you. Later, we summarise formal arrangements, so you can check these out too.

Before you start

Some basic rules for dealing with debt problems are:

Do not:

  • ignore debt problems
  • ignore court papers or creditors’ letters
  • borrow to pay off debts without first getting advice
  • pay a fee to get debt problems sorted, without first seeing whether you could do it yourself or get free help.

Do:

  • deal with all your debts
  • fill in and return any court forms
  • go to any court hearing
  • sort out any priority debts before other debts.

Advice organisations

If you cannot deal with the problems yourself, there are a number of services that offer free, confidential and independent advice. You can also search for a legal adviser or solicitor with the legal adviser finder.

Debt advice surgery

East Ham Customer Service Centre and Library
328 Barking Road
East Ham
E6 2RT

We offer a drop in service on the last Thursday in every month, for residents who want face–to-face advice on dealing with debt problems. The service runs from 10am to 4pm, but it is best to arrive early if you can. 

Please bring with you:

  • proof of income (which could be a bank statement)
  • the latest letters and statements you have on all your debts.

The advice is free, confidential and impartial, independent of other council services. 

Community Links: Barking Road

105 Barking Road
Canning Town
E16 4HQ

Open for drop-in appointments on Monday to Thursday 9am to 12.30pm and 2 to 3.30pm.

For more information, call 0207 473 2270 or see Community Links Website.

Community Links: Chandos East Community Hub

90 Chandos Road
Stratford
E15 1TT

Open for drop-in appointments on Monday between 12.30pm and 3pm.

For further information, call 020 8221 2137 or see the Community Links’ website.

Community Links: Play, Sow and Grow Community Hub

6 Gay Road
Stratford
E15 2RN

Open for drop-in appointments on Tuesday between 9.30am and 12pm.

For further information, call 020 852 2733 or see Community Links’ website.

Community Links: Rokeby Community Hub

63 Rokeby Street
Stratford
E15 3NS

Open for drop-in appointments on Tuesday between 12.30pm and 3pm.

For further information, call 020 8555 3125 or see Community Links’ website.

Community Links: Arc in the Park Community Hub

Hermit Park Road
Bethell Avenue
Canning Town
E16 4JT

Open for drop-in appointments on Wednesday between 9.30am and 12pm.

For further information, call 020 7511 4253 or see Community Links’ website.

Community Links: Asta Community Hub

14a Camel Road
Silvertown
E16 2DE

Open for drop-in appointments on Thursday between 12.30pm and 3pm.

For further information, call 020 7511 7097 or see Community Links’ website.

Stratford Advice Arcade

107-109 The Grove
Stratford
London
E15 1HP

Outreach advice sessions provided by Toynbee Hall on Mondays. To make an appointment visit the Arcade or phone 020 8221 1995. Visit the Stratford Advice Arcade website.

Step Change Debt Charity

0800 138 1111

Telephone advice and an online debt tool at Debt Remedy to help you work out what may be the best course of action for you. Telephone lines are open Monday to Friday 8am to 8pm, Saturday 9am to 4pm.

National Debtline

0808 808 4000

Telephone advice, web-based information and online personal advice. Telephone lines are open Monday to Friday 9am to 9pm, Saturday 9.30am to 1pm. To get web-based information or online personal advice, visit the National Debtline website.

Civil Legal Advice

0845 345 4345

For people on a low income such as benefits and whose debt problems put them at immediate risk of homelessness. Telephone advice, lines are open Monday to Friday 9am to 8pm, Saturday 9am to 12.30pm. For more information, visit the Community Legal Advice page on Directgov.

RAD Legal Services

For deaf people on a low income such as benefits. Advice in BSL via webcam and face-to-face, nearest venue is Romford. For more information, visit the RAD Legal Services website.

Business Debtline

0800 197 6026

Telephone advice and web-based information for people who are self-employed. Telephone lines are open Monday to Friday 9am to 5.30pm. To get web-based information, visit the Business Debtline website.