CHAS Central London HOUSING ,MONEY

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CHAS Central London HOUSING ,MONEY
DEBTADVICE,WELFARE BENEFITADVICE--
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WHO DOES CHAS CL CURRENTLY WORK WITH?
Shared Owners
Leaseholders
Tenants
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WHERE DOES CHAS CL WORK?

• In all London Boroughs
• East and West Sussex
• Surrey
• Hampshire and Isle of Wight
• Middlesex
• Bedfordshire
• Hertfordshire
• Berkshire
• Essex
• Kent
• Devon

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Statistics

• Up to 1 million people on the verge of bankruptcy
• One in five of the population owe more than
  10,000 through credit cards, overdrafts and
  loans
• Highest level of bankruptcy in the under 30 age
  group
• 400 people declaring bankruptcy per day
• 64 of people taking out consolidation loans did
  not close other lines of credit.
• 83 of people taking consolidation loans were not
  asked for proof of outgoings
• 10 of parents admitted to borrowing from
  childrens savings to pay debts
• 11.4 billion spent on credit cards in December
  2006
• Average amount of credit debt owed by every man
  woman and child in the UK is 18269
• 90 of adults in the UK have one credit card
• 1300 different credit cards in circulation
  compared to 1 in 1974

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Facts and Figures

• Average amount of credit debt being owed by a
  Westminster tenant is 10000-
• Shared owners 25,000
• Highest level of debt recorded for a shared owner
  is 181,000 spread over 14 credit facilities
• Debt problems substantially increasing
• Debt in the UK is at 1.35 trillion pounds and
  increasing by 1 million every 4 minutes
• A 3000 credit card balance at a 17.9 interest
  rate would take 40 years to repay if the minimum
  payment is made each month.
• Provident introduced a credit card with APR of
  59.9

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MONEY DEBT ADVICE TEAM

• CHAS CL provides in depth Money and Debt Advice
  Counselling to those who owe
• Rent, Service Charges or Mortgage
• Council Tax
• Housing and Council Tax Benefit overpayments
• Utility Accounts including electricity, gas,
  water and telephone
• Credit Debts including Credit Cards, Charge
  Cards, Store Cards, Catalogues and Door Step
  Lenders
• TV Licence
• Income tax
• Hire Purchase
• Loans
• ADVICE on Bankruptcy, Insolvency and Voluntary
  Arrangements

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HOUSING ADVICE TEAM

• Provide
• Assistance to Priority and Non-Priority Homeless
  Persons
• Advice on Housing Problems in relation to
  relationship breakdowns and domestic violence
• Advice on Security of Tenure issues
• Representation in Defending Possession
  Proceedings
• Advice on public and private sector repair
• Advice to improve the circumstances of those
  forced to live in unsuitable accommodation due to
  disrepair, high costs, medical problems,
  harassment or violence
• Participation in County Court rotas

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WELFARE BENEFITS ADVICE TEAM

• Assistance with all Housing and Council Tax
  Benefit issues including overpayments
• Assistance with Welfare Benefits including
  overpayments
• Welfare Benefits Maximisation
• Representation at Appeals and Tribunals

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CHAS CENTRAL LONDON

• Tel [phone]
• Fax [phone]
• E-mail advice_at_chascl.org.uk
• Our address is
• CHAS CL
• Christ Church House,
• 19/20, Shroton Street, London NW1 6UG