Money and debt

Emergency financial help

The Discretionary Assistance Fund provides 2 types of grant that you do not need to pay back.

Emergency Assistance Payment (EAP)

A grant to help pay for essential costs, such as food, gas, electricity, clothing or emergency travel if you:

• are experiencing extreme financial hardship
• have lost your job
• have applied for benefits and are waiting for your first payment

More information and apply online

Individual Assistance Payment (IAP)

A grant to help you or someone you care for live independently in their home or a property that you or they are moving into.

More information and apply online

 

Pension Credit

Pension credit could give you around £3,900 a year, on average, to help with your living costs if you’re over State Pension age and on a low income. Plus, you could get the Winter Fuel Payment.

Pension credit: see details

 

Scammers and loan sharks

• Be careful/wary of scammers
• Beware of loan sharks. 

 

Help and further advice

• CAB Gwynedd Citizens Advice - a charity that gives free, confidential advice to help  with legal matters, debts, housing and much more.
  
  CAB Gwynedd phone numbers:
  • Bangor (01248) 510 922
  • Caernarfon (01286) 424 922
  • Dolgellau (01341) 707 922
  • Pwllheli (01758) 383 922
• Help for Households - Get government cost of living support

Community Hubs

Help and information on food, energy and money is also available through the hub in your local area:

• View community hubs contact details