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Benefits & Debt

Covid-19 notice: Unfortunately our Finance and Benefits advice surgeries are suspended due to Covid-19 but you can still call or email us for advice.

Worrying about benefits and debt can keep you awake at night. 

Our Financial Inclusion Team offer free, impartial and confidential welfare rights and debt advice to our tenants and factored owners.  

Our friendly, helpful staff will take the time to listen to your personal circumstances and discuss your options with you. They can help with:

Welfare Rights

Advice on all aspects of social security benefits and tax credits.

Welfare Reform

How any changes to the welfare system, like Universal Credit, may affect you and your family.

Energy advice

Looking for energy advice? We’re here to help.

Our specialist energy advisers can provide support and talk to you about:

  • Reducing your fuel bills
  • Managing fuel debt
  • Switching supplier
  • Applying for a fuel crisis payment

Get in touch with us today on 0808 143 2002 or through our dedicated email address at

Debt advice

Help to deal with and manage personal debt.

Warm Home Discount

What is the Warm Home Discount?

Every Winter you could get a £140 discount on your electricity bill offered to you by the UK government.

The money comes as a one-off discount on your electricity bill, usually between October and April so that you can keep your house warm all winter without spending extra money on electricity. 

You can qualify for the Warm Home Discount regardless of what type of meter you have. You simply need to contact your supplier and apply for the discount when it opens in autumn every year.  

How can I get it?

There are two ways you can receive the Warm Home Discount: 

1. Automatically qualify

If in July your supplier was part of the scheme, your name (or your partner’s) was on the bill and you were

  • Getting the Guarantee Credit element of Pension Credit (even if you get Savings Credit).

If you qualify for the discount, you’ll get a letter this autumn or winter telling you you don’t have to apply for the discount – you’ll get it automatically

2. Applying directly to your supplier

You may be able to apply directly to your supplier for help if you don’t get the Guarantee Credit element of Pension Credit but:

  • You’re on a low income
  • You get certain means-tested benefits.

Our Queens Cross Financial Inclusion team can help you do this. Call us on 0808 143 2002 or email to find out if you're eligible.

As the requirements change every year, Selectra compiles a yearly up-to-date list of all of the suppliers working with the scheme, information on if you qualify and exactly how to apply.  

Further help

If you have a general query regarding the scheme or think you may be eligible, call to make an appointment with our Financial Inclusion Team on 0141 589 7444.

You can also call the Warm Home Discount Scheme helpline: 0800 731 0214 (Monday to Friday, 8am to 6pm)

Our Financial Inclusion Team welfare rights and debt advice surgeries held for each neighbourhood are suspended due to Covid-19. They will be reinstated as soon as it's safe to do so. However to make a telephone appointment with a member of the Financial Inclusion Team, call or email us today at 0808 143 2002 or