Welfare - money and debt

If you are worried about money, you can contact Citizens Advice. They can give you free advice on debt, benefits and housing problems, and make sure you're getting all the support you're entitled to.

Visit the Citizens Advice website or call your local office:

  • Allerdale - 01900 604735
  • Barrow - 03444 889624
  • Carlisle and Eden - 03300 563037
  • Copeland and Whitehaven - 01946 693321 
  • Millom - 01229 772395
  • South Lakeland - 03444 111444 for new enquiries; 015394 46464 for new debt and ongoing enquiries

If you've lost your job or had your hours reduced then you might be able to claim benefits.

Many people miss out because they don't know what they're entitled to.

You can check this using online tools, or if you prefer to talk to someone, you can contact Citizens Advice (details above).

If you've not claimed benefits before, you can find out more about Universal Credit (and make your claim) online.

Credit Unions help you save money and can also provide loans at low interest rates. Anyone who lives or works in the area a Credit Union serves can use them. They are an alternative to payday lenders and 'loan sharks' and can help you avoid getting into problem debt. Please contact:

Affinity Credit Union

Offices in Cleator Moor, Workington, Penrith and Kendal

Email: info@affinitycu.co.uk

Affinity Credit Union website 

Telephone: 01900 65723 / 01946 817508 / 01768 890065


Barrow and District Credit Union

Barrow and District Credit Union website 

Telephone: 01229 870110  


Carlisle and District Credit Union

Carlisle and District Credit Union website 

Telephone: 01228 594007

Email: cadcul@btconnect.com 


Whitehaven, Egremont and District Credit Union 

Whitehaven, Egremont and District Credit Union 

Telephone: 01946 66755

You must self-isolate if you test positive for COVID-19, or have been in close contact with someone who has tested positive. If you are working and on a low income, you may be entitled to a £500 support payment if you are told to self-isolate.

For full eligibility information and to apply, go to your district council's website:

If you are on a low income and have children attending school, then you may be entitled to free school meals and clothing grants. Check your eligibility and apply online.

If you need help with your online application please contact 01228 606060