Discover how Talk Money Week can help you start the conversation about spending and managing your money
Close
Skip to content
MoneyHelper logo MoneyHelper logo MoneyHelper logo MoneyHelper logo MoneyHelper logo MoneyHelper logo
Cymraeg logo
Cymraeg
  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
    • Universal Credit

      Find out how Universal Credit works and how to manage your payment

    • Benefits if you have children

      Entitlements to help with the cost of pregnancy or bringing up children

    • Benefits if you’re sick, disabled or a carer

      Understand what support is available for coping with ill health

    • Benefits in later life

      You may be entitled for help with other costs on top of your State Pension

    • Benefits and work

      Extra support if you’re working, self-employed, or you’ve lost your job

    • Benefits to help with housing costs

      Support to help with rent or mortgage payments if you’re on a low income

    • Problems with benefits

      What to do if something goes wrong with your benefits

    • Benefits

      All Benefits guidance

    Tools

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Banking and payments

      How to choose, use and manage bank accounts

    • Budgeting

      How to budget, find the best deals and switch to save money

    • Buying and running a car

      How to buy and finance a car, deal with problems with car finance, and cut running costs

    • Credit

      Credit basics, applying for credit, credit ratings and problems with credit

    • Insurance

      Insurance for cars, health, travel, and help with insurance

    • Everyday money

      All Everyday money guidance

    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Your options for borrowing money

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Becoming a parent

      Having a baby, returning to work, childcare costs

    • Death and bereavement

      Wills, inheritance, sorting out estates

    • Divorce and separation

      Sorting out money and homes, what if you have children, money after break ups

    • Illness and disability

      Managing costs, extra financial support, help with work or study

    • Long-term care

      Paying and getting funding, ways to pay, problems with care

    • Student and graduate money

      Credit cards, bank accounts, student debts

    • Talk money

      Difficult conversations, talking to teenagers, older people and partners

    • Family & care

      All Family & care guidance

    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Mortgages and homebuying

      Mortgages, help buying, remortgaging, first-time buyers, help and support

    • Renting

      Help renting a home and dealing with problems

    • Homes

      All Homes guidance

    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage repayment calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Help with the cost of living

      Budgeting, paying bills, finding extra financial support, coping with job loss

    • Dealing with debt

      Bills, court fines, help with debts

    • Money problems and complaints

      What to do about mis-selling, compensation and complaints

    • Scams

      Spotting scams and what to do if you’re caught out

    • Money troubles

      All Money troubles guidance

    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Manage and grow your pension

      How much to save for retirement and ways to boost your pension

    • Pensions explained

      How to start a pension, how pensions work and the benefits

    • Pension problems and changes

      How to find lost pensions, sort out problems and complain

    • Pension transfers and consolidation

      How to transfer or combine pensions, and if it’s a good idea

    • State Pension

      How much State Pension you might get and ways to boost it

    • Take your pension

      How and when to take your pension – your options explained

    • Tax and pensions

      How tax relief, tax-free allowances and tax on income works

    • Make the most of your pension

      Understand your pension options and work out your retirement income and costs

    All Pensions and Retirement

    Tools

    Appointment

    Get a free Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find out your pension type

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

    • How to save

      Getting started, getting the most out of savings, problems

    • Investing

      How to invest, types of investing, buying and managing

    • Types of savings

      Help with meeting goals, tax-friendly saving, saving for children

    • Savings

      All Savings guidance

    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Employment

      Basics, benefits, tax and National Insurance

    • Losing your job

      What to do, alternatives, redundancy pay

    • Self-employment

      Starting out, insurance, tax, self-assessment

    • Work

      All Work guidance

    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
    • Universal Credit Find out how Universal Credit works and how to manage your payment
    • Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    • Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    • Benefits in later life You may be entitled for help with other costs on top of your State Pension
    • Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    • Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    • Problems with benefits What to do if something goes wrong with your benefits
    • Benefits All Benefits guidance
    Tools

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Banking and payments How to choose, use and manage bank accounts
    • Budgeting How to budget, find the best deals and switch to save money
    • Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    • Credit Credit basics, applying for credit, credit ratings and problems with credit
    • Insurance Insurance for cars, health, travel, and help with insurance
    • Everyday money All Everyday money guidance
    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Your options for borrowing money

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Becoming a parent Having a baby, returning to work, childcare costs
    • Death and bereavement Wills, inheritance, sorting out estates
    • Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    • Illness and disability Managing costs, extra financial support, help with work or study
    • Long-term care Paying and getting funding, ways to pay, problems with care
    • Student and graduate money Credit cards, bank accounts, student debts
    • Talk money Difficult conversations, talking to teenagers, older people and partners
    • Family & care All Family & care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Mortgages and homebuying Mortgages, help buying, remortgaging, first-time buyers, help and support
    • Renting Help renting a home and dealing with problems
    • Homes All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage repayment calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    • Dealing with debt Bills, court fines, help with debts
    • Money problems and complaints What to do about mis-selling, compensation and complaints
    • Scams Spotting scams and what to do if you’re caught out
    • Money troubles All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    Tool

    What to do when you’ve been refused credit

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Manage and grow your pension How much to save for retirement and ways to boost your pension
    • Pensions explained How to start a pension, how pensions work and the benefits
    • Pension problems and changes How to find lost pensions, sort out problems and complain
    • Pension transfers and consolidation How to transfer or combine pensions, and if it’s a good idea
    • State Pension How much State Pension you might get and ways to boost it
    • Take your pension How and when to take your pension – your options explained
    • Tax and pensions How tax relief, tax-free allowances and tax on income works
    • Make the most of your pension Understand your pension options and work out your retirement income and costs

    All Pensions and Retirement

    Tools

    Appointment

    Get a free Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find out your pension type

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

    • How to save Getting started, getting the most out of savings, problems
    • Investing How to invest, types of investing, buying and managing
    • Types of savings Help with meeting goals, tax-friendly saving, saving for children
    • Savings All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

    • Employment Basics, benefits, tax and National Insurance
    • Losing your job What to do, alternatives, redundancy pay
    • Self-employment Starting out, insurance, tax, self-assessment
    • Work All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

Home
Cymraeg logo
Cymraeg
  1. Home
  2. Benefits
  3. Problems with benefits
Benefits Problems with benefits

Where can I get help and advice about benefits?

Working out what benefits you’re entitled to can be tricky. Find out where to get free expert advice online, face-to-face or over the phone.

What’s in this guide

  • Citizens Advice
  • Law Centres
  • Macmillan benefits advisers for people affected by cancer
  • Age UK benefits advice for older people
  • Gingerbread advice for single parents
  • Specialist advice for money, housing and food

Citizens Advice

Citizens Advice can give you free, confidential, impartial and independent benefits advice.

Advice offered

As well as benefits advice, they can help you resolve problems with debt, housing and many more issues.

They also have a ‘Help to Claim’ service to support you with your Universal Credit application. Learn more in our guide Universal Credit explained. 

Services provided

  • online
  • home visits
  • face-to-face
  • advice helpline
  • email (in some cases).

Suitable for

Everyone.

Contact Citizens Advice

Find your local branch to arrange an appointment, or view a list of phone numbers:

  • England Citizens Advice
  • Scotland Citizens Advice
  • Wales Citizens AdviceOpens in a new window
  • Northern Ireland Advice NI

Use our Benefits calculator

If you’re living on a low income or have had an income shock, use our Benefits calculator to quickly find out what you could be entitled to.

Back to top

Law Centres

Law Centres provide free legal advice and representation to disadvantaged people. They may be able to help you with expert advice if you have a complex benefit problem or you want to appeal against a decision made on your benefit entitlement.

Advice offered

As well as benefits and welfare rights advice, Law Centres offer legal advice on issues including employment and housing.

Services provided

  • face-to-face
  • telephone (in some areas).

Suitable for

Anyone who can't afford to pay for legal support.

Contact your local Law Centre

In England, Wales and Northern Ireland, find your nearest one at Law Centres NetworkOpens in a new window

In Scotland, find your nearest Law CentreOpens in a new window on Shelter Scotland.

Back to top

Macmillan benefits advisers for people affected by cancer

A Macmillan benefits adviser can help you work out what financial help you’re entitled to.

Advice offered

Macmillan offers specialist advice to help ease money worries.

This includes information on:

  • loans
  • grants
  • benefits.

Services provided

  • face-to-face
  • home visits
  • telephone.

Suitable for

Anyone affected by cancer. 

Find a Macmillan benefits adviser

Find one near you at  Macmillan Cancer SupportOpens in a new window

Back to top

Age UK benefits advice for older people

Some local branches of Age UK offer a free, confidential benefits advice service.

Advice offered

Practical assistance to make sure you’re getting all the benefits you’re entitled to.

Services provided

  • face-to-face
  • home visits
  • telephone
  • help with completing claim forms.

Suitable for

Anyone who’s over State Pension ageOpens in a new window and living in the area covered by their local branch.

Contact Age UK

Call the Age UK Helpline:

  • in England, on  0800 055 6112Opens in a new window or visit the Age UK websiteOpens in a new window
  • in Wales, on 0300 303 44 98Opens in a new window or visit the Age Cymru website Opens in a new window
  • in Scotland, on 0800 12 44 222Opens in a new window or visit the Age Scotland websiteOpens in a new window
  • in Northern Ireland, on 0808 808 7575Opens in a new window or visit the Age NI websiteOpens in a new window
Back to top

Gingerbread advice for single parents

Gingerbread provides advice and practical support for single parents, including advice on benefits in England and Wales.

Find more information on GingerbreadOpens in a new window

Northern Ireland

Visit Parenting FocusOpens in a new window You can also call them free on 0808 8010 722 (Monday to Thursday: 9.30am to 3.30pm, and Friday: 9.30am to 12.30pm).

Back to top

Specialist advice for money, housing and food

Help that's local to you

If your problem is complex, Advicelocal can help you find free and impartial advice in your area on: 

  • benefits 
  • Council Tax 
  • housing 
  • employment 
  • disability and social care 
  • asylum and immigration. 

At advicelocal you can find a benefits specialist near youOpens in a new window 

Debt advice

If you’re worried about keeping up with debt repayments, there’s lots of free, confidential help and advice available.

Have you missed a payment?

Use our Debt advice locator tool to find free and confidential debt advice online, over the phone or near to where you live.

Housing advice

Our guides on help if you’re struggling to pay rent and mortgage payments have information and guidance on what to do if you’re worried about living costs.

If you have rent or mortgage arrears, or you’re worried about losing your home, Shelter offer confidential advice on a range of housing issuesOpens in a new window

How to get access to a foodbank

If you’re facing an emergency and have no money to pay for food, you might be able to use a food bank. 

You’ll usually need to get a referral to a foodbank before you can use it. Learn more in our guide Where can I get emergency help with money and food? 

Back to top
Thank you for your feedback.
We’re always trying to improve our website and services, and your feedback helps us understand how we’re doing.
Share this article
Email Facebook X
Share this with
WhatsApp LinkedIn
Copy this link
Send email
Copy this link
Problems with benefits

Problems with benefits

  • Universal Credit problems
  • What to do if your benefits are cut
  • Where can I get help and advice about benefits?
  • How to appeal a benefits decision
  • Benefit sanctions and what to do about them
  • Universal Credit scams
  • How to claim benefits or State Pension without a bank account
  • Repaying benefit debts and overpayments
  • How do savings and lump sum payouts affect benefits?
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website

Problems with benefits

  • Universal Credit problems
  • What to do if your benefits are cut
  • Where can I get help and advice about benefits?
  • How to appeal a benefits decision
  • Benefit sanctions and what to do about them
  • Universal Credit scams
  • How to claim benefits or State Pension without a bank account
  • Repaying benefit debts and overpayments
  • How do savings and lump sum payouts affect benefits?
Money and Pensions Service logo
H.M. Government logo
Trustpilot
Plain Numbers Working Together logo
  • About us
  • Getting help and advice
  • Contact us
  • Partners
  • Tools and calculators
  • Give feedback
  • Welsh language scheme
  • Blog

Follow us:

© 2026 Money and Pensions Service, Bedford Borough Hall, 138 Cauldwell Street, Bedford, MK42 9AB. All rights reserved.

  • Terms & conditions
  • Privacy notice
  • Accessibility statement
  • Sitemap
  • Cookies
  • Cookie preferences Cookie preferences