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Our freephone helpline is operating as usual. If you need support during these incredibly difficult times, please call us on 0800 093 8543 or complete the contact form here and we will contact you as soon as possible.
During the Coronavirus (Covid-19) pandemic it’s wise to follow all government advice and it’s also natural to be concerned about your own health, your ability to continue working and supporting family members. This is a time when we need to work together.
Last updated 25th August 2020. Please check for updates.
You will find information here to support you through these uncertain times:
NHS advice and steps to keep healthy is available here.
The government advice for each part of the United Kingdom is different:
We can give you advice on accessing government support, help you to understand your financial situation and work with you to manage your finances. We can also provide financial assistance to cover essential items, particularly food and heating.
Perennial’s help and support is free and confidential and during this difficult period we are here to help you access the statutory services and assistance you need. We will all need different types of advice and help so please call us in confidence on 0800 093 8543 or complete the contact form and we will get back to you. Our office hours are Monday and Wednesday 10am – 5pm and Tuesday, Thursday and Friday 9am – 5pm.
Has the COVID-19 pandemic affected your finances? If so, please visit our Benefits Advice and Money Advice pages for information and advice. We appreciate it’s not always easy to navigate through these difficult times so please give our team a call on 0800 093 8543. We will review your situation, advise on all the options available and then work to put your chosen option into place.
Looking after your mental wellbeing is just as important as looking after your physical and financial health, especially during uncertain times. In times of increased stress, seeking help and support from others can be a real help. Click here to find out more about our online mental health community, as well as other organisations offering information and support on mental health.
Looking after your emotional and mental wellbeing is just as important as looking after your physical and financial health, especially during uncertain times. If you’re finding things hard emotionally right now, you are not alone. In times of increased stress, seeking help and support from others can be a real help.
If you are stressed, anxious or need a place to talk – join our online mental health and wellbeing community provided through our partnership with Togetherall. It is accessible anytime, anywhere. It’s important to stay connected even when we have to distance ourselves socially. Stay part of a community and access our support network – click here to complete our short questionnaire to access the Togetherall support service
Here are some great charities and organisations offering information and support on mental health:
If you need urgent help for your mental wellbeing please find the latest information from the NHS.
We understand that times have been challenging for many families. Due to COVID-19 your family’s financial circumstances may have changed since the last school year and your children could now be entitled to free school meals.
With the new school year approaching we have put together information on free school meals and how to apply. You can also talk to your child’s school to find out what support is available directly from them.
The government advice for each part of the United Kingdom is different. For more information about the support available and how to apply please click below:
At this current time, it is important to follow the current government guidelines for your own circumstances and location. Each country of the United Kingdom has issued guidance on whether it is safe to work. Please visit the relevant page for information and advice. Remember that this guidance might change, so please check back regularly:
If you currently work in horticulture and do need to stop working, Perennial can give information and help you access the Government support which is being put in place, help you make arrangements to reduce or delay bill payments including credit debts where necessary and provide financial assistance to cover essential items, particularly food and heating.
Carers play a vital role in looking after those who are most vulnerable in our communities and COVID-19 has increased the challenges faced by many. The Social Care Institute for Excellence provides great advice for carers through an expert panel.
Helen Whately MP, Minister of State for Social Care has this advice:
“If urgent care needs cannot be met, for example family carers become unwell and need to isolate, please contact your Local Authority for help.
Both Carers UK and the Carers Trust have good advice on their websites. I love the idea of a Virtual Cuppa, where people can talk about the challenges of COVID-19 as well as suggesting practical steps for how to get through it. There’s excellent advice on creating a contingency or emergency plan. Even though we are in an emergency right now, it’s not too late to start a plan. For example, you can ensure that key information is made readily available for professionals.”
Paul Burstow, Chair, Social Care Institute for Excellence (SCIE) writes:
“If you are supporting someone with dementia, the usual arrangements should still apply but it’s important to continue planning during this period of uncertainty; both with medicine – and food shopping and cooking; but also, over what activities people can take in. It’s really important that people stay active and connected with things like gentle exercises and by phone, post, email and skype. But of course, it’s vital to know what to do immediately if they do get ill, or you as a carer get ill. It’s best to leave the person the right contact numbers to call, prominently displayed, such as NHS 111 or their local GP. The Alzheimer’s Society has some excellent, detailed advice on coping with the COVID-19 outbreak.”
While the primary concern is health, your financial wellbeing is also important during these uncertain times. Perennial can help you explore all the options that are available so that you can find the financial support that best suits your situation. Our freephone helpline is operating as usual.
If you need support during these incredibly difficult times, please call us on 0800 093 8543, Monday and Wednesday 10am – 5pm and Tuesday, Thursday and Friday 9am – 5pm. Alternatively please complete the contact form here and we will contact you as soon as possible.
Here’s our short guide to how you can gain help from benefits during the Coronavirus pandemic.
If you are affected by the coronavirus or its effect on the economy, the government is offering a wide range of financial support.
You can find out what support is available to you by visiting the government Employment and Benefits Support website. It includes information for people who are already claiming benefits, if you need to claim or are at risk of losing your job as a result of coronavirus. This is a fast-changing situation so please check regularly for updates.
Universal credit is a benefit available to many who are employed, self-employed, unemployed and on low incomes (but usually not pensioners), provided you’ve less than £16,000 savings in your household.
Universal Credit can include help in paying your rent. Some people in receipt of tax credits or housing benefit maybe worse off by claiming Universal Credit. Seek our advice to make sure you are receiving the correct support.
Universal Credit is claimed online. Click here to find out more information.
You may be entitled to benefits if you cannot work due to coronavirus.
You may be eligible for Statutory Sick Pay if you’re self-isolating for one or more of the following reasons, and you are unable to work as a result:
You cannot get SSP if you’re self-isolating after entering or returning to the UK and do not need to self-isolate for any other reason.
Click on this link to find out more information Statutory Sick Pay.
You can apply for ‘new style’ ESA if you’re unable to claim Statutory Sick Pay and one of the following applies:
Click on this link to find out more information NSESA.
You may be eligible for Universal Credit if:
Click on this link to find out more information Universal Credit.
The following are reputable websites that will help you find information on various aspects of benefits:
Our freephone helpline is operating as usual. If you need support during these incredibly difficult times, please call us on 0800 093 8543 or complete our contact form here.
Here is our short guide to money matters during the Coronavirus pandemic. We appreciate it’s not always easy to navigate through the financial support available so Perennial can help you understand your financial situation and take control of your finances.
Our team is available on 0800 093 8543, Monday and Wednesday 10am – 5pm and Tuesday, Thursday and Friday 9am – 5pm. Alternatively, please complete the contact form here and we will contact you as soon as possible.
The government has introduced a three-month ’payment deferral’ (also known as payment holiday), with the possibility of an extension for households experiencing financial difficulty due to the Covid-19 pandemic.
No fees can be charged in connection with deferrals but interest will continue to build (unless your lender has told you otherwise) and your repayments may be higher after the deferral. You are likely to end up paying more in the long term. At the end of the deferral your lender should work with you to agree the best way of catching up the missed payments. This may include setting up a longer term agreement, changing the terms of your mortgage or switching to an interest-only mortgage.
Mortgage lenders should ensure that payment deferrals won’t have a negative impact on your credit file, but there are other ways lenders can tell whether you’ve taken a payment holiday, and this may have an impact on any future applications you make for credit.
If you’ve not had a deferral already under the coronavirus measures:
If you’ve had a deferral already under the coronavirus measures:
Here are our top tips:
The government has extended legislation banning evictions of private rented or social tenants until 23rd August.
Where tenants are experiencing financial difficulties as a result of the pandemic, the government is clear that landlords and tenants should work together and exhaust all possible options – such as flexible payment plans which take into account a tenant’s individual circumstances – to ensure cases only end up in court as an absolute last resort.
Here are our top tips:
If you need help with budgeting to pay your rent or advice on claiming Universal Credit, please get in touch with us and one of our team of qualified debt advisers will be there to help you.
The Local Government Association has reported that all local authorities in England and Wales are putting help in place for people who are facing financial hardship as a result of coronavirus. COSLA, the Scottish equivalent have said that councils there are standing by to help too.
Here are our top tips:
If you need help with budgeting to pay council tax, please get in touch with us and one of our team of qualified debt advisers will be there to help you.
From 1st July, OFGEM have announced that energy companies can start chasing customers for unpaid fuel bills again following a freeze on disconnections and debt collection. Energy companies have been told they must provide strong support to their customers and must make sure that debt collection practices are fair and repayment plans are affordable. If you are behind with your gas or electricity bills, our advice is to talk to your supplier, explain your situation and ask them for help.
Did you know?
If you are on a prepayment meter and are shielding or self-isolating you can self-refer to the NHS volunteer teams by calling 0808 196 3646. They can arrange for someone to top up your meter for you. You can also ask your energy supplier for help.
If you need help with budgeting to pay fuel bills, please get in touch with us and one of our team of qualified debt advisers will be there to help you.
The Financial Conduct Authority (FCA), the firm that regulates financial services firms, has told firms that they should offer help to people struggling with car finance due to coronavirus. If you are having temporary difficulties meeting finance or leasing payments because of coronavirus, you can ask your finance company for a 3 month payment freeze any time up until 31 October 2020. If you have already had one payment freeze, and are still in temporary financial difficulty, you can ask your lender for a second 3-month payment freeze up until 31 October 2020.
If you are having difficulties and need use of the vehicle, firms should not take steps to end the agreement or repossess the vehicle. Firms should not alter Personal Contract Purchase (PCP) or Personal Contract Hire (PCH) agreements in a way that is unfair. For example, firms should not try to recalculate PCP balloon payments based on a temporary depreciation of car prices caused by the coronavirus situation.
If you wish to keep your vehicle at the end of your PCP agreement, but you don’t have the cash to cover the balloon payment due to coronavirus-related payment difficulties, firms should work with you to find an appropriate solution.
If you are struggling to afford your insurance payments because of the impact of the coronavirus, please contact your insurer to discuss your options. Insurers have been told by the Financial Conduct Authority (the organisation that regulates financial services companies) to offer payment holidays and refunds for people who are struggling to pay and to ensure they are providing value for money. It is important that you maintain essential insurance cover and don’t leave yourself uninsured. More details can be found on the FCA website.
The Financial Conduct Authority (FCA) – the firm that regulates financial services firms, has introduced measures that will help people whose income has been affected by Coronavirus. They apply to:
The measures vary depending on the type of agreement – for more details visit the FCA website.
The measures are not automatic and should be agreed with your lender first – where possible use online services to request assistance. You should not stop paying without agreeing this with your lender first as this may have a negative effect on your credit rating.
Whilst lenders should ensure that any agreed payment deferrals won’t have a negative impact on your credit file, there are other ways lenders can tell whether you’ve taken a payment holiday, and this may have an impact on any future applications you make for credit.
Interest is still likely to be applied to credit accounts during any agreed payment holidays which may lead to your payments increasing when it ends. If you were already finding it difficult to manage your payments before the Coronavirus, our debt team can help you to explore your debt options.
Here are our top tips for dealing with debt:
If you are worried about your debts, or can’t contact your lenders yourself, contact our help line and one of our team of qualified debt advisers will be there to help you.
Individual Voluntary Arrangements The Insolvency Service has published Coronavirus (COVID-19) Guidance which allows for flexibility to be applied to IVAs where the borrower has problems because of Coronavirus. This currently applies until 20th October 2020 but this date is subject to change.
The guidance says if you have either a reduction in income or an increase in expenses – you may be able to reduce payments by up to 25% and to take payment holidays for up to three months without a variation being required.
This extra payment break is in addition to the standard IVA provisions. So if you have already used up 9 months of payment breaks you can still get this extra three months.
Payment breaks are just added onto the end of your IVA, so you will be paying the same amount in the end.
Enforcement Agents (Bailiffs)
After a brief suspension of bailiffs enforcing debts during Covid-19 restrictions, the Civil Enforcement Association (CIVEA) has announced plans for a ‘phased return of activity’. From 24th August local authorities and courts can use bailiffs to enforce overdue council tax, business rates, parking and traffic penalties and magistrates’ court fines.
Anyone who has missed a payment or been out of contact will receive a standard letter asking them how they have been affected by the Covid-19 crisis. Individuals will be given 30 days’ notice of a visit by an enforcement agent (unless the local authority has specific requirements).
If you have any debts which are already with bailiffs, we would urge you to contact us as soon as possible for advice on dealing with the debt.
We understand this is a very unsettling and difficult time for self-employed people in horticulture. You can find the full guidance on the Self Employed Income Support Scheme here Gov.uk/self-employment-income-support-scheme. Please keep checking this website for the latest information. In the meantime, check the measures already in place to see if they can help, including deferring tax payments.
We can help you access the statutory support that is already available such as New Style Employment Support Allowance if you’re sick. Don’t forget you may be able to access financial support through Universal Credit. Universal credit is a benefit available to many who are employed, self-employed, unemployed and on low incomes (but usually not pensioners), provided you’ve less than £16,000 savings in your household.
We can help you explore all the options that are available at present to find the support that best suits your situation.
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