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You have certain rights and responsibilities if you're a tenant in privately rented property.

Your rights

As a tenant, you have the right to:

live in a property that's safe and in a good state of repair

have your deposit returned when the tenancy ends - and in some circumstances have your deposit protected

challenge excessively high charges

know who your landlord is

live in the property undisturbed

see an Energy Performance Certificate for the property

be protected from unfair eviction and unfair rent

have a written agreement if you have a fixed-term tenancy of more than 3 years

If you have a tenancy agreement, it should be fair and comply with the law.

If you do not know who your landlord is, write to the person or company you pay rent to. Your landlord can be fined If they do not give you this information within 21 days.

When you start a new tenancy

When you start a new assured or short assured tenancy, your landlord must give you:

Your responsibilities

You should give your landlord access to the property to inspect it or carry out repairs. Your landlord has to give you at least 24 hours' notice and visit at a reasonable time of day, unless it's an emergency and they need immediate access.

Coronavirus (COVID-19) has not changed these rules, so you should work with your landlord to make sure that any visits are for an urgent reason (for example, you do not have hot water, heating or toilet facilities).

You can read the COVID-19 and renting guidance for tenants and landlords.

You must also:

take good care of the property, for example turn off the water at the mains if you're away in cold weather

pay the agreed rent, even if repairs are needed or you're in dispute with your landlord

pay other charges as agreed with the landlord, for example Council Tax or utility bills

repair or pay for any damage caused by you, your family or friends

only sublet a property if the tenancy agreement or your landlord allows it

Coronavirus has not changed your responsibilities - continue to pay rent to the best of your ability and speak to your landlord if you cannot.

Your landlord has the right to take legal action to evict you if you do not meet your responsibilities.

If your landlord lives outside the UK

Contact HM Revenue and Customs ( HMRC) if your landlord lives outside the UK and you pay £100 or more a week in rent directly to them.

You may have to deduct tax from your rent under HMRC's ' non-resident landlord scheme '.

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This guide is for people who are looking for a house or flat to rent.

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This guide is for tenants and landlords in the private rented sector to help them understand their rights and responsibilities. It provides a checklist and more detailed information on each stage of the process, including:

what to look out for before renting

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This is the most up to date version of the Guide. It incorporates all changes detailed in the update history below.

We are updating the easy read which supports tenants with learning disabilities. It is supplementary to How to Rent: the checklist for renting in England and will be available as an additional supporting resource where appropriate.

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Most online services offer some safety features that can help you manage access to age-inappropriate content, report

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Information on revenge porn, online abuse & the law

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How can we help you?

We are a UK service supporting adults (aged 18+) who are experiencing intimate image abuse, also known as, revenge porn.

The Revenge Porn Helpline was established in 2015 alongside the legislation which made it an offence to share intimate images or videos of someone, either on or offline, without their consent. The Helpline is run by a small team of passionate and motivated individuals who are here and ready to help.
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What is intimate image abuse?
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What is intimate image abuse?

Intimate image abuse can include the behaviours of:

Sharing intimate images, either on or offline, without their consent.

Threatening to share intimate images.

Taking an intimate image without knowledge or consent.

Intimate image abuse can also be referred to as 'revenge porn', non-consensual pornography or image-based sexual abuse.

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What issues can we help with?
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What issues can we help with?

The main areas we can help with are:

Intimate images shared without consent

Threats to share intimate images

Images recorded without consent (Voyeurism)

Webcam blackmail (Sextortion)

Upskirting

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What we can't help with
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What we can't help with

We cannot help anyone under the age of 18

We cannot support people from outside of the UK.

We do not have the capacity to provide long term counselling to our clients

We cannot undertake criminal investigations or report to the police on the victim's behalf

Please find more information on who can help when we can't here.
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Designed and Developed by South West Grid for Learning (http://swgfl.org.uk/)

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Revenge Porn Helpline - 0345 6000 459 | Revenge Porn Helpline

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The Revenge Porn Helpline supports all adult victims of intimate image abuse living in the UK. You can get in touch for free, confidential help and support.

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For victims of cybercrime, digital fraud & online harm

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If you are in the UK, are 13 years or older and are experiencing an issue with your own online accounts or devices then we can help.

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Victims of Image Crime support

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News Fakeporn, image based abuse, Law, Non Consensual, Nude, Revenge Porn, Sexual Images, support, uk government, Upskirting, victims

Image-based sexual abuse thrives on myths.

Myths about motives. Myths about victims. Myths about political, legal and institutional responses.

It's only a picture, you can move on ... myth!

It's all illegal now anyway ... myth!

All you need to do is report it to the police and the picture will be taken down ... myth!

Our report - Shattering Myths and Lives: A Report on Image-Based Sexual Abuse - drawing on 25 interviews with victim-survivors of image-based sexual abuse concentrates on the reality of this pernicious form of sexual abuse.

Image-based sexual abuse shatters lives. A significant numbers of victim-survivors experience profound 'social rupture' - a major devastation that drastically alters all aspects of their lives. Take, Anna (not her real name), for example:

"My whole world just crumbled ... I'm nowhere near the person I once was. That's gone and it's rebuilding a new part of me now ... It's torture for your soul, it really is"

Victim-survivors spoke of abuse that is constant, ongoing and relentless; that shatters not only their lives, but also the lives of those who love and support them.

And yet, the Government is proposing to wait at least three years - that is until 2022 - before making changes to the law that we know now would make a dramatic difference to victim-survivors. Such as extending the law to cover so-called 'fakeporn' and threats to distribute nude or sexual images without consent, to provide all victim-survivors with automatic anonymity, to provide victim-survivors, and those supporting them, with resources and support to enable them to provide bespoke technical and long-term emotional support.

ACTION IS NEEDED NOW

To provide victim-survivors with increased protections, access to justice, adequate support and to prevent further lives from being shattered by this devastating form of abuse. And if the Government truly understands this, it will take action now to correct the most egregious gaps in the law, and increase support for victim-survivors.

Read the full report here

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As I begin to write this, I'm exactly 4 weeks away from the anniversary date of a premeditated internet revenge act, an act that was targeted toward me by a group of sick individuals - who felt they had the right to expose personal aspects of what was then a deeply troubled life.

What started off as a 'chemsex hook up' turned into a hellish nightmare, that still affects my life today and has taken close to 4 years to recover from. Both the recovery and rebuilding processes are still ongoing, and as part of that process I've decided to write my story for VOIC. This is the first time that I've publicly spoken out about that incident, and whilst I understand more about it now, I know that the journey has only just begun and further difficult times and discoveries await.

In retrospect I wish I had listened to that voice inside my head, that was trying to scream "get the hell out of there" but I wanted to lose myself in a world of meaningless sex and escape the hurt and pain that I felt at the time. I had lost my sense of self preservation, respect and survival.

To put my story into context, and for the first time in my life, I need to take ownership of an addiction to Crystal Meth. An addiction that developed over a number of years on the gay party circuit. There were times when I naively thought that I had it under control, some of those times were during an 8-year relationship. For those times where I failed, life for my partner would have been tough to say the least, and as I look back over those years I take a personal responsibility for the pain that was endured. You must be ready to admit an addiction issue, and whilst I was hugely ashamed of it, I couldn't bring myself to look at it closely enough in order to change it.

I was unaware that, during our turbulent time together, my partner was betraying my trust and indiscreetly going to pre-arranged sex parties - predominately but not limited to South London, where we spent a number of years living together. We both had interests in the gay fetish scene, which is how our relationship started. Over time, and through his own selfish wants and desires, my private struggles with Meth addiction were becoming widely known to people within that community. He was effectively using my issues, as an excuse for his own behaviour.

Several things are important here, the perpetrators who were involved in my 'chemsex setup' knew exactly who I was.... they also knew (through prior sexual interaction) my ex-partner. They had heard his stories, and thought it was time "someone taught me a lesson".

For the want of a better phrase, they had appointed themselves as both 'judge and juror'. At no point did they stop to consider the effect their actions would have on my life, career or family. Their minds were and are, too sick and warped, to even have a basic notion or care.

Their aim then was to webcam stream (without my knowledge or consent) an act of drug taking called 'slamming'. A crude term for IV injection, used within the gay party scene. That aim was achieved in a flat in North London during 2016. Within minutes and seconds, it was streamed across a hardcore gay website, notoriously known for the darker side of fetish sex. Continue reading My Story Joins Your Story - Let's Change the Game Forever Together - David Canham

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I wrote this a few months ago and thought I would share it. The emotions are real!

Calming voices talk to me at night, when my eyes are closed I wander to a place where I no longer feel alone.

I stumble upon a pasture that was once green with life, whittling away dying from the cause of mindless people. You know, those people that make the world seem such a cruel place.

As I knelt amongst the pasture, I lay my head and cried because I also felt like I was whittling away and dying. I became slumped in a place where life seemed to be dark and lonely.

I close my eyes and the calming voices appear once again. I listen intentively and start to write mental notes but the tears kept on coming. The calming voices became louder to a volume where I had no choice but to listen.

Dried up tears turn to smiles and as I open my eyes and inhale, the pasture that was once whittling and dying now green with life and purpose, I no longer feel alone.

I feel safe but now know that the pasture and I have commonality and that time, patience, empathy, love and compassion will enable trust to build as the bond grows stronger.

Those calming voices I heard when my eyes closed at night and started to get louder until i had no choice but to listen, no longer just happened at night; they became my reality and I no longer feel alone

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Let's set the record straight

Its time for a reality check and an insight into the reality of what is politically referred to as 'Revenge Pornography'!

I can tell you first hand that the evil that was done to me was just spineless, a cruel calculated act of jealousy, done by a person that allows their emotions to control their reality, callous and vindictive it is; the way some people think they can control another person in a way that causes distress on a different level.

Well look at it this way; according to the dictionary ' Revenge' means: The action of hurting or harming someone in return for an injury or wronged suffered at their hands. 'Pornography' means: Printed or visual material containing the explicit description or display of sexual organs or activity intended to stimulate sexual excitement.

So the political incorrect term of those labelled as victims of revenge pornography in essence; refers to victims who have been hurt or harmed by someone who feels they have been wronged; so they share explicit printed or visual material that display sexual organs or sexual activity to stimulate sexual excitement.

Is this sexual excitement for the perpetrator? Sexual excitement for the victim or sexual excitement for anyone that happens to come across it?

Slightly misleading don't you think? Professor Clare McGlynn has written a brilliant article that clearly states why the name should be changed to reflect the crime.

After all abuse whether its on or offline is ABUSE!

not-revenge-porn-but-abuse-lets-call-it-image-based-sexual-abuse-by-mcglynnclare-erikarackley
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Finally for the first time in 4 years I can honestly say I don't feel alone on this journey. Its been a struggle but perseverance has been key.

VOIC now has a Facebook Group of victims that provide peer to peer support. If you are out there with no one to talk to and no one understands then why not join our group.

It's a safe closed space and no one will judge you. Reach out and connect and don't suffer alone. Just click on the poster to find our group.

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The moment you walk into a room, you feel exposed but you feel safe!

Today Saturday 13 May 2017, I felt like a huge bolder had been removed from my shoulders; a knott removed from the blades between my neck and my arms, that feeling of an object being stuck in your throat and you cough or swallow and it disappears. That's how I felt during and after the Digital Online Abuse - A Collaboration between Activists, Victims and Artists.

At last! I am surrounded by energetic souls empowered to make a change, buzzing with energy and exhuberated creativity that filled the whole room. I smiled, I was energised and my spirit alive. It has been a long journey - one that has taken 3 years in the making, to sit in a room of souls and listen to how there experience was similar to mine; a room full of empathy and understanding. We had a common objective and a common understanding and all without judgement. Ears intentively listening, eyebrows raised we all absorbed the energy that surrounded the table.

At last! I feel I have done what I originally set out to do. To make a difference, to empower others to take control and take ownership to self empower, find self worth and motivation to make a change. We shared, we laughed, we cried - so much absorbed energy that I feel overwhelmed but very emotionally drained. We discussed common experiences, common understanding, we debated, we changed perceptions, we ate together and we talked about intimate things, like the vagina, the difference between male and female experiences, how we are all individuals that share commonality. I felt safe, i felt loved, i felt inspired!

Image Based Sexual Abuse (IBSA)/Non-Consensual Image sharing was most definitely the subject of the day; the reason for the collaborative artistical entwinement of ideas that I know will provide that place for healing through a collective creative approach. Im buzzing and ready for the next step.....!

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Have you been a victim of Image Based Sexual Abuse aka Revenge Porn?

As a survivor and having directly been affected by this, I am putting myself out there!

Over the last 2 years I have worked tirelessly to help victims take back their power and learn how to take control of the impact this crime has. Its abuse and shouldn't be tolerated. Let us stand together and make a difference, let us heal together and share our journeys. I know that it isn't easy to 'stand up and speak out' about being abused - trust me it was a decision I didn't make lightly but I feel so much better for doing so.

Working in collaboration with Sarah, an artist/activist I am taking part in the 'Digital Abuse' project - which is a collaborative effort between artists and activists that uses education, empowerment and visibility to facilitate discussion, raise awareness and combat public perception of Image Based Sexual Abuse and the treatment of women online.

There are many ways in which you can speak out about your trauma! You don't have to use words. Here is one of my journey photographs that I did with See It From Her - Survivors Project in 2016.

We are hoping that you are also ready to share your journey, share the burden and release some of that stigma that comes with being a victim of abuse. We encourage you to join us in a united front. If you are ready to share and take back your power and would like to make a difference, come along to our creative workshop on the 13th and 14th of May.

Continue reading Digital Abuse: A Collaboration Between Artists & Activists

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Events

How Powerful Would It Be !

If we could all speak out verbally about the way we feel, the hurt we have gone through, the trauma being abused brings and the betrayal that you feel, knowing you let someone do this to you! Imagine, there are many victims who want to speak out but don't know how; to find the courage, the belief or the strength to do so.
'How powerful would it be if we could all speak out verbally'
I dedicate this post to those victims, that cannot express themselves verbally like I do. For those who are struggling, to 'live happy lives' because the affects of image based sexual abuse, has 'stripped their spiritual soul' and they have been thrown into a world of depression, unworthiness, disgust, fear, anger, disgrace and despair.

Again - I find myself impelled to get involved in things that i feel would benefit others; that will support my cause and my worth as a human being, trying to make a difference. Continue reading Expressive Art - A Photo Captures A Thousand Words

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"Kim K posted them and got both praise and critique, starting a huge feminist debate that hung around the internet for several days. Chelsea Handler posted one to celebrate Reese Witherspoon's birthday. It seems to be a accepted to be naked on the internet".

Unless that decision was made by somebody else for you. Unless that picture was meant for one person's eyes only. Unless that photo has been used against you.

In August 2015, I found out that I was a victim of what is most commonly known as 'Revenge Porn'. If you're not sure what it is let me introduce you to one of the worst corners of the internet; 'Revenge Porn' is the sharing and publicizing of images with the intention to embarrass. Most commonly it is the act of a former partner who sees fit to share your images that you never thought in your scariest nightmares would be shared.

My experience with it was not how the usual 'Revenge Porn' occurrence. I may have found out about it in 2015 but it had started 3 years prior. My friend had texted me a screenshot of a Twitter account with my pictures all over it - yet it was not mine. The account had several links in the bio for a lot of photo-driven social media websites, all with my first name and my personal photos. Not only did social media have my photos but also some of the most disgusting porn sites I have ever seen. I was everywhere.

Going through the images was tough - I couldn't bare to see anymore of them on anymore websites, but I had to keep going in order to gather evidence for my case officer.

Continue reading Naked Selfies Are Everywhere - By Lauren

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I agree that victims should be given a choice whether to remain anonymous or be seen in the public eye

15 December 2015

Victims of "revenge porn" should be given the same anonymity as victims of other sexual offences, campaigners say. A petition urging a change in law has been launched by the Police and Crime Commissioner for North Yorkshire, Julia Mulligan, and a revenge-porn victim. Keeley Richards-Shaw, whose ex-boyfriend was the first sentenced under the revenge-porn law, said media coverage had increased her distress.

The Ministry of Justice said judges had discretionary powers to withhold names. Sharing revenge-porn images and videos became a crime in England and Wales in February, but the law currently gives victims no right to anonymity.

Mrs Mulligan and Ms Richards-Shaw have written to Justice Secretary Michael Gove and the chairman of the Justice Select Committee, Bob O'Neill, requesting meetings on the issue. They have also launched an online petition called Change the Law: No More Naming of Revenge Porn Victims.

'From bad to worse'

Ms Richards-Shaw told the BBC's Victoria Derbyshire programme she had become involved in the campaign after her ex-boyfriend shared intimate photos he had taken without her knowledge. He was prosecuted and given a suspended jail sentence.

She said a change in law was crucial to help victims "keep their personal life personal".

During the court case, she had told just very close family - but the day before he was to be sentenced, she received a text message saying the press were planning to cover the story .

"It just went from bad to worse," she said. "My picture, my name, my job, they'd gone on my Facebook page and published that, they were waiting for me outside court, I had them at my doorstep the next morning. It was horrible - I had gone from being stalked by him to being stalked by the media."

Mrs Mulligan said there was a loophole, as "revenge porn" seemed to have been categorised as a domestic abuse offence as opposed to a sexual offence.

"If you looked at it in the sexual offences category when the law was being passed, then they may have thought about anonymity.

"We really want ministers to listen to what Keeley has to say and to change the law."

She added that some of the media had said they would not publish victims' names, but this was not automatic.

'Not tolerated'

The law classes "revenge porn" as "photographs or films which show people engaged in sexual activity or depicted in a sexual way or with their genitals exposed, where what is shown would not usually be seen in public".

It covers images shared on and offline without the subject's permission and with the intent to cause harm. Physical distribution of images is also covered. A Ministry of Justice official said: "Revenge porn is an abuse of trust that can leave people feeling humiliated and degraded.

"By making it a specific offence, we have sent a clear message that this crime will not be tolerated and we have already seen an increase in the number of people coming forward.

"It is vital that victims have the confidence to report cases. That is why judges have discretionary powers to prohibit the naming of victims if identification would affect the case and cause undue fear or distress."

Continue reading Call for 'revenge porn' victims to be kept anonymous - My Thoughts

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VOIC.org.uk - Victims Of Internet Crime: Speak Out!

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News Fakeporn, image based abuse, Law, Non Consensual, Nude, Revenge Porn, Sexual Images, support, uk government, Upskirting, victims Image-based sexual abuse thrives on myths. Myths about motives. Myths about victims. Myths about political, legal and institutional responses. It's only a picture, you can move on ... myth! It's all illegal now anyway ...

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Charity to support members of the LGBTQ+ community.

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We'd love to show you how your support is helping LGBTQ+ people everywhere to thrive. We need your consent to keep you up to date with our campaigns and events, and what you can do to help make life better for LGBTQ+ people.

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At Stonewall, we stand for lesbian, gay, bi, trans, queer, questioning and ace (LGBTQ+) people everywhere. We imagine a world where all LGBTQ+ people are free to be ourselves and can live our lives to the full.

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Local Leicester charity supporting members of the LGBTQ+ community.

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Leicester Lesbian Gay Bisexual and Transgender Centre is a voluntary organisation established to support lesbian, gay, bisexual and transgender people in Leicester, Leicestershire and Rutland.

GENERAL ENQUIRIES & SUPPORT

Leicester LGBT Centre opening hours:

The Centre is open for pre-booked appointments, counselling services, group sessions and room hire bookings Monday & Wednesday 12.00pm-8.30pm, Tuesday 5.00pm-9.00pm and the 1st & 3rd Thursday of the month 5.45pm-8.15pm. Please contact us if you wish to make an appointment.

Phone lines: 0116 254 7412

Staff may be available to answer this phone line, however we cannot always guarantee an immediate response. In the event we are unable to answer your call, please leave a message with your contact details and we will get back to you as soon as possible. Please note, a text service is not available on this number.

We are a small team working flexibly across extended opening hours, as such email remains our best contact method. If you are able to, please use email to contact us.

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Leicester Lesbian Gay Bisexual and Transgender Centre is a voluntary organisation established to support lesbian, gay, bisexual and transgender people in Leicester, Leicestershire and Rutland. GENERAL ENQUIRIES & SUPPORT Leicester LGBT Centre opening hours: The Centre is open for pre-booked appointments, counselling services, group sessions and room hire bookings Monday & Wednesday 12.00pm-8.30pm, Tuesday 5.00pm-9.00pm and the 1st & 3rd Thursday of the month 5.45pm-8.15pm.

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Support for trans lives

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Gendered Intelligence is a registered charity (1182558) that works to increase understandings of gender diversity and improve the lives of trans people.

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Relate has blogs, resources, books, and self-help tools for just about every relationship problem out there.

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Financial abuse: spotting the signs and leaving safely

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If your partner, family member, carer or anybody else is controlling your financial affairs, then this is financial abuse. This guide explains the help and support that is available.

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CHECK WHAT SERVICES ARE AVAILABLE TO YOU

Enter your age and postcode

ROYAL MAIL STRIKE ACTION

Planned strikes by Royal Mail might cause delays in deliveries. We're using other delivery services to help reduce disruption. Find out about possible delays and what we're doing to help.

Before we dispatch we will review your order. In some cases our clinical team may contact you to confirm a few details.

Orders will arrive in a plain, letterbox-friendly envelope. We provide tracking links for all prescription orders.

Our expert clinicians are available to advise and support you by text message, phone or email.

We are award winning experts in sexual and reproductive health

Working in partnership with the NHS, we provide STI testing, diagnosis and treatment, oral contraception, the morning after pill and specialist remote clinical support.

We put people at the heart of what we do. We design services that are easier to use, access and understand.

We are not-for-profit and passionate about delivering discreet, convenient and clinically safe experiences. Find out more about SH:24.

Our brands include Fettle.health, which offers users the choice of paying for sexual and reproductive health services online.

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SH:24 Free Home STI STD Test | Sexual & Reproductive Health

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Enter your age and postcode Planned strikes by Royal Mail might cause delays in deliveries. We're using other delivery services to help reduce disruption. Find out about possible delays and what we're doing to help. Before we dispatch we will review your order. In some cases our clinical team may contact you to confirm a few details.

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NUM is a UK-wide charity working with sex workers to do research, design and deliver safety tools and to provide support services to people in adult industries.

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FreeVA Support – Free from Violence & Abuse

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FreeVA Support – Free from Violence & Abuse

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CALL OUR HELPLINE FOR SUPPORT: 0808 802 0028

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24/7 R*pe S*xual Abuse Support Line

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The National Helpline is provided by Rape Crisis South London. It offers confidential emotional support, information and referral details. Callers can have a one-off call lasting up to 40 minutes.

Open between 12:00 -14:30 and
19:00 - 21:30 every day of the year.

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Want to talk? | Rape Crisis England & Wales

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The National Helpline is provided by Rape Crisis South London. It offers confidential emotional support, information and referral details. Callers can have a one-off call lasting up to 40 minutes. Open between 12:00 -14:30 and 19:00 - 21:30 every day of the year.

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Support for women and girls facing violence.

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No-one should live in fear of abuse. Let’s all be part of the change. Everyone can do something to challenge the abuse of women and girls.

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Free digital mental wellbeing support for adults in the UK

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Food banks are community organisations that can help if you can't afford the food you need.

You'll usually need to get a referral to a food bank before you can use it. This includes all food banks run by the Trussell Trust.

You can get a referral for yourself and any family members you live with - including your partner.

You might be able to use some food banks without a referral - for example, if it's run by a church. Contact your local food bank to see if you need a referral.

Getting a referral

You can ask your nearest Citizens Advice to refer you to a food bank. They'll usually make an appointment for you to discuss your situation with an adviser first.

The adviser will ask you some questions to check you're eligible for the food bank. If you're eligible, they'll give you a voucher for your nearest food bank.

They can also check if you should be getting any benefits you're not currently claiming and tell you about other local help you could get. The adviser can give you advice about budgeting and any debts you have.

Find your nearest Citizens Advice.

If you can't go to Citizens Advice

You can ask for a referral from another organisation - for example your GP, housing association or social worker.

Your local council might be able to tell you how to get a referral to a food bank.

When you contact your local council, ask if they can also help you with other essential costs like clothes and petrol. They might give you help from their 'household support fund' or 'welfare assistance scheme'.

You can find your local council's contact details on GOV.UK.

Going to a food bank

When an organisation refers you to a food bank, they'll give you a voucher and tell you where the food bank is. Check if the voucher is only valid on a specific day - you can ask the person who refers you.

If the food bank is run by the Trussell Trust you can check the address on the Trussell Trust website.

The food bank will give you a food parcel. Your parcel will usually contain enough food for 3 days. The food bank might also be able to give you essential toiletries, like toothpaste or deodorant.

When you visit the food bank, let them know if you have any allergies or dietary requirements - they should be able to help you.

The food bank might be able to deliver your food parcel if:

Contact the food bank to check if they can deliver.

If the food bank is run by a church or other religious group, they'll still help you if you're not religious or from a different religion.

If you need to use the food bank again

You'll need to get another referral before you can use the food bank again.

Some food banks have a limit on the number of times you can visit - but it's still worth asking if you really need the food. If you're in this situation, talk to an adviser.

The adviser will ask you some questions about why you still need to use the food bank. They'll refer you if they agree it's the best way to help you. Even if they can't refer you they'll give you advice on debt or problems with benefits if you need it.

Get help with the cost of living

If you're over 18, you can use the Turn2us benefits calculator to check which benefits you can get.

You can also check what other help you can get with the cost of living.

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How to get emergency food from a food bank.

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Must be referred by a professional or agency to become a member. Located in Charnwood Borough.

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Your Store Charnwood - social supermarket

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You or someone you know may not be in need of food parcels, but if the cost of a weekly shop is causing financial strain, then we are here to help.

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gov.uk

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Skip to main content

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Bullying and harassment is behaviour that makes someone feel intimidated or offended. Harassment is unlawful under the Equality Act 2010.

Examples of bullying or harassing behaviour include:

spreading malicious rumours

unfair treatment

picking on or regularly undermining someone

denying someone's training or promotion opportunities

Bullying and harassment can happen:

The law

Bullying itself is not against the law, but harassment is. This is when the unwanted behaviour is related to one of the following:

age

sex

disability

gender reassignment

marriage and civil partnership

pregnancy and maternity

race

religion or belief

sexual orientation

What employees should do if they're bullied or harassed

Employees should see if they can sort out the problem informally first. If they cannot, they should talk to their:

manager

human resources (HR) department

trade union representative

If this does not work, they can make a formal complaint using their employer's grievance procedure. If this does not work and they're still being harassed, they can take legal action at an employment tribunal.

They could also call the Acas (Advisory, Conciliation and Arbitration Service) helpline for advice:

You can also read Acas guidance on being treated unfairly at work.

Employers' responsibilities

Employers are responsible for preventing bullying and harassment - they're liable for any harassment suffered by their employees.

Anti-bullying and harassment policies can help prevent problems. Acas has produced guidance for employers on preventing and handling bullying and harassment.

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What to do about bullying and harassment at work - the law, action employees can take and advice for employers about their responsibilities

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Citizen's Advice

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If you’re being harassed or bullied at work

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Find out if you can take action about bullying or harassment from someone at work.

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Can help with prescription charges, dental treatment, eye care (sight tests, glasses, contact lenses), cost of travelling to receieve NHS treatment and wigs & fabric support for anyone on low income.

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Earnings

If you're employed, you'll need to include proof of your earnings with your HC1 application form:

If you get paid weekly or fortnightly, you will need to provide your 5 most recent payslips.

If you get paid monthly or four-weekly, you will need to provide your 2 most recent payslips.

If you cannot provide the payslips we need, you can complete the LIS82 proof of income form (PDF: 238KB) and send it with your application.

If you're self-employed, you'll need to send your profit and loss accounts for a period representing at least 6 months.

The period they cover must end within 12 months of the date of your claim or, if you're claiming a refund, within 12 months of the date the charges were paid.

If you cannot send profit and loss accounts, you can send a trading account showing your business receipts and expenses for the period ending within 12 months before the date of the claim.

You'll also need to complete self-employment proof of income form LIS61 (PDF: 342KB) and send it with your application.

If the business has been trading for less than a year, or the trading pattern has recently changed, the assessment period will be adjusted to reflect this.

Students

If you're a student, you need to include evidence of all grants, bursaries and awards you get. Normally this will consist of an award notice showing how much money you get.

If you applied for a student loan, we need to see a copy of the financial assessment that was carried out, regardless of whether a loan was actually awarded.

The full amount of student loan available to you will be included as income in your assessment. This includes the income-assessed and the non-income assessed loan elements, regardless of whether an application was made for both elements, and any assessed contributions to the loan regardless of whether they are actually paid.

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Earnings If you're employed, you'll need to include proof of your earnings with your HC1 application form: If you get paid weekly or fortnightly, you will need to provide your 5 most recent payslips. If you get paid monthly or four-weekly, you will need to provide your 2 most recent payslips.

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A PPC could save you money if you pay for your NHS prescriptions covering all your NHS prescriptions for a set price and if you need 3 items in 3 months, or 11 items in 12 months.

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A PPC could save you money if you pay for your NHS prescriptions.

The certificate covers all your NHS prescriptions for a set price. You will save money if you need more than 3 items in 3 months, or 11 items in 12 months.

The prescription charge in England is £9.65 per item. A PPC costs:

£31.25 for 3 months

£111.60 for 12 months

If you get prescriptions for hormone replacement therapy (HRT), you may save more with the Hormone Replacement Therapy Prescription Prepayment Certificate (HRT PPC).

Before buying a PPC, check if you're entitled to free NHS prescriptions and other help with health costs using our eligibility checker.

How much you can save

Number of prescribed medicines you need each month

Saving with a 12 month PPC

Saving with a 3 month PPC

Check your PPC is valid

Check that your PPC is valid before claiming free NHS prescriptions.

Get a digital PPC

You can receive your PPC instantly by email. Contact us to switch to a digital PPC.

How you can buy

You can buy a PPC:

online

in-person at some pharmacies

If you need extra help call us on 0300 330 1341.
Find out about call charges

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NHS Prescription Prepayment Certificate (PPC)

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A PPC could save you money if you pay for your NHS prescriptions. The certificate covers all your NHS prescriptions for a set price. You will save money if you need more than 3 items in 3 months, or 11 items in 12 months. The prescription charge in England is £9.65 per item.

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Promoting and delivering EDI in the workplace is an essential aspect of good people management. It's about creating working environments and cultures where every individual can feel safe and a sense of belonging, and is empowered to achieve their full potential.

Whilst legal frameworks vary across different countries, in the UK the Equality Act 2010 provides legal protection for nine protected characteristics: age, disability, gender reassignment, marriage and civil partnership, pregnancy and maternity, race, religion or belief, sex and sexual orientation.

However, an effective EDI strategy should go beyond legal compliance and take an intersectional approach to EDI, which will add value to an organisation, contribute to the wellbeing and equality of outcomes and impact on all employees. Things to consider include: accent, age, caring responsibilities, colour, culture, visible and invisible disability, gender identity and expression, mental health, neurodiversity, physical appearance, political opinion, pregnancy and maternity/paternity and family status and socio-economic circumstances, amongst other personal characteristics and experiences.

This factsheet explores what workplace equality inclusion and diversity (EDI) means, and how an effective strategy is essential to an organisation's business objectives. It looks at the rationale for action and outlines steps organisations can take to implement and manage a successful EDI strategy, from recruitment, selection, retention, communication and training to addressing workplace behaviour and evaluating progress.

Explore our viewpoints on  age diversity,  disability,  gender equality,  race inclusion,  religion and belief, and  sexual orientation, gender identity and reassignment.

What is equality, diversity, and inclusion?

Equality

First used in the early 15th century is 'the state of being equal'. In modern usage in the UK, equality is about ensuring equality of access, treatment, outcomes and impact in both employment and service delivery. It is rooted in ideas of justice and fairness and enshrined in the United Kingdom Equality Act 2010 (EA10) which highlights that every individual must have an equal opportunity to make the most of their lives and talents. It is also the belief that no one should have poorer life chances because of their background, personal identity or experience.

The achievement of equality of outcomes requires identifying the barriers and biases and taking targeted action (including positive action as permitted under the EA10) to overcome specific inequalities, discrimination, disadvantages and marginalisation experienced by certain groups and individuals including those protected characteristics under the EA10. Inequalities can be manifested through prejudice, oppression and discrimination - direct and indirect - and can be systemic through behaviour, policies, practices and cultures. Equally vital is to identify the EDI benefits for the workforce and business/service delivery which will ensure that the EDI strategy is positively framed to add value to the organisation.

Equality of impact assessments through feedback from discriminated against and marginalised individuals are therefore essential in determining whether the EDI strategy is effective and is achieving the desired outcomes.

Some users of the term equality have associated it with the idea of 'sameness - same access or treatment'. However, this is a grossly inaccurate interpretation, as sameness is akin to 'colour blind' approaches - which can be discriminatory. Equality is not the same as equity. Equity is concerned with the actions taken to achieve a state of equality of outcomes.

Diversity

Diversity is the differences in colour, ethnicity, abilities, age, gender, beliefs, interests, socioeconomic (class), marital or partnership status, sexual orientation, geographic, academic/professional backgrounds, opinions, backgrounds, thinking, experiences and many other characteristics

Diversity recognises that everyone is different in a variety of visible and non-visible ways, and that those differences are to be recognised, respected, valued, promoted and celebrated. They may include, but are not limited to, differences protected by equalities law.

Research shows that diverse workforces are beneficial for decision making, innovation and problem solving as people bring a diverse range of backgrounds and experiences with them. However, it's important to note that just simple tolerance of difference and having a diverse workforce is not enough - people need to feel empowered, a sense of belonging, and feel safe to contribute their ideas and viewpoints and to achieve their full potential.

Inclusion

Inclusion is the practice of including people in a way that is fair for all, values everyone's differences, and empowers and enables each person to be themselves and achieve their full potential and thrive at work.

An inclusive workplace culture is one in which everyone feels that they belong through feeling safe in being themselves, that their contribution matters, policies and practices are fair and diverse range of people are supported to work together effectively.

To achieve genuine inclusion there must be positive action, including measures under the Equality Act 2010 to address past, present and potential discrimination and barriers to enable and empower:

Equal access

Equal opportunities

Equal treatment

Equal resources

Equal outcomes

Equal impact

The moral case for building fairer and more inclusive labour markets and workplaces is indisputable: recognising and valuing our identity, background or circumstance, we all have a right to the opportunity to develop our skills and talents to our full potential, work in a safe, supportive and inclusive environment, be fairly rewarded and recognised for our work and have a meaningful voice on matters that affect us.

It's also vital for the sustainability of businesses and economies. Everyone stands to benefit when we embrace and value the diversity of thoughts, ideas and ways of working that people from different backgrounds, experiences and identities bring to an organisation. So, organisations must ensure their people management approaches do not put any group at a disadvantage. People professionals are seen as the guardians and custodians of EDI policy and practice and therefore have a critical role to play in role modelling and championing EDI best practice in their organisation - find out more about this in our Profession Map.

Standards, such as the BSI and ISO human resource management suite and Investors in People (IiP), provide principle-based frameworks and guidelines to help organisations recognise the actual and potential value of their people and ensure their people polices and working practices are bias free. See more on HR and standards.

The concept of 'intersectionality' is that we all have multiple, overlapping identities that impact on our experience, including multiple discrimination and disadvantage.

Differences include visible and non-visible factors, for instance, personal characteristics such as background, culture, personality, work-style, accent and language. It's important to recognise that a 'one-size-fits all' approach to managing people does not achieve fairness and equality of opportunity and outcomes for everyone. People have different personal needs, values and beliefs. Good people management practice needs to be consistently fair but also flexible and inclusive to support both individual and business needs.

In the UK, age, disability, gender reassignment, marriage and civil partnership, pregnancy and maternity, race, religion and belief, sex and sexual orientation are 'protected characteristics' covered by discrimination law to give people protection against being treated unfairly.

Discrimination can:

Impact an individual's wellbeing, performance at work and intention to stay.

Adversely affect employment opportunities.

Result in failure to recognise skills-based abilities, potential and experience.

Result in significant legal costs, compensation and settlements paid to avoid defending expensive discrimination claims.

For example, 'neurodiversity' is a growing area of workplace inclusion. It refers to the natural range of differences in human brain function. Among employers, it's used to describe alternative thinking styles including dyslexia, autism and ADHD. Together with Uptimize, we've produced Neurodiversity at work, a practical guide for employers to help create a neurodiversity-friendly workplace where people can utilise their strengths. Most adjustments are simple and low-cost, but can make a significant difference to an individual's working life. Listen to our Neurodiversity podcast.

Building

Our report assesses the evidence on inclusion - what does inclusion look like in practice, and how can people professionals and the wider organisation be more inclusive?

The social justice case for EDI

The social justice case is based on the belief that everyone should have a right to equal access to employment, training and development based solely on merit. Everyone should have the right to be free of any direct or indirect discrimination and harassment or bullying. This can be described as the right to be treated fairly and the UK law, principally in the Equality Act 2010, sets minimum standards.

The Equality and Human Rights Commission has published a range of guidance on all aspects of the Equality Act 2010, including a Code of practice on employment. Whilst not legally binding documents, the codes give important guidance on good practice and failure to follow them may be taken into account by tribunals or courts.

For more information on particular aspects, see our various factsheets on age, disability, harassment and bullying, race, religion, sex discrimination and gender reassignment and sexual orientation discrimination.

Equality, diversity, and inclusion are good for people and for business

The main business benefits of taking inclusion and diversity seriously are talent and corporate reputation.

Talent

Research on the psychological contract shows that people want to work for employers with good employment practices. They also want to feel valued at work.

To be competitive, organisations need everyone who works for them to make their best contribution. Increasingly, employers recognise the importance of inclusion and diversity in recruiting and retaining the skills and talent they need.

As well as designing appropriate and fair people practices, it's important to create open and inclusive workplace cultures in which everyone feels valued, respects colleagues, and where their contribution is recognised.

Flexible working and job design are also important components of diversity strategies and part of attracting and retaining a wide pool of talented people.

Corporate reputation

Businesses need to consider corporate responsibility (CR) in the context of diversity as social exclusion and low economic activity rates can limit business markets and their growth. CR used to be centred on environmental issues, but an increasing number of employers now take a wider view, seeing the overall image of an organisation as important in attracting and retaining both customers and employees.

Better business performance

Openness to diversity widens access to the best talent. Inclusion allows engagement with talent effectively. Equality enables delivery of fair outcomes. Together, this leads to enhanced innovation, creativity, productivity, reputation, engagement and business results.

Managing equality, quality, and inclusion

Overcoming prejudice, bias (including unconscious and micro-aggressions) and changing entrenched negative attitudes can be difficult. To progress EDI, organisations should take a systemic approach, including developing an inclusive culture, inclusive approaches to employment policies and practices, to personal behaviours, and by managing EDI issues in ways that also support business contexts.

Our report Diversity and inclusion at work: facing up to the business case reviews the evidence on the touchpoints in the employee lifecycle that may contain barriers to equality. Businesses should examine their own people management practices and diversity data to understand where barriers lie, taking action accordingly.

As well as targeted initiatives, a coherent strategy is needed to ensure that working practices across the organisation support an inclusive culture which embraces difference. The strategy needs to be supported by organisational values and leader and manager behaviour which reflect the importance of EDI. Our report Diversity management that works draws on research evidence and professional expertise to make practical recommendations in six key areas of diversity practice and strategy. Explore the actions people professionals need to take to build inclusion.

Although there's no legal requirement to have a written EDI, it's a good idea to produce one to demonstrate the organisation takes its legal and moral obligations towards being a diverse employer seriously. It can also encourage employees to treat others equally. Any EDI policy and strategy will have greater buy in and sustainability if it is developed in collaboration with the lived experience of marginalised and discriminated against staff and middle managers.

Overall strategy

Recognise that a diverse workforce may not achieve equality of outcomes and needs an inclusive environment and cultures to flourish.

Ensure that initiatives and policies have the support of the board and senior management.

Remember that managing diversity and developing a culture of inclusion is a continuous process of improvement, not a one-off initiative.

Develop a strategy with the lived experience if marginalised staff to support the achievement of business goals, including ways of addressing the diverse needs of customers.

Keep up-to-date with the law and review policies through checks, audits and consultation.

Design guidelines and provide training for line managers to help them respond appropriately to diversity needs, as they are vital change agents, but give them scope for flexible decision-making.

Link diversity management to other initiatives such as such as Investors in People (IIP), BSI 76000 Valuing People and ISO 9001 Quality Management.

In an organisation that operates internationally, be aware that the approach to managing diversity will need to take account local legislation, norms and social issues, and the ways that individual working styles and personal preferences are influenced by national cultures.

Prioritise collecting and using good quality people data, especially from marginalised and discriminated against individuals and groups to identify barriers and solutions.

Workplace behaviour

Train all employees to understand and engage with EDI in how they do their jobs and work with colleagues.

Reflect equality, respect and dignity for all in the organisation's values and ensure these are shown in the way the organisation and its employees operate on a daily basis.

Describe desirable behaviours to gain positive commitment.

Make clear that everyone has a personal responsibility to uphold the standards.

Embed EDI in performance management frameworks and all managers' roles; they have a key role to play, behaving in an inclusive way and contributing to diversity goals.

Focus on accountability and transparency, ensuring that merit, competence and potential are the basis for all decisions about recruitment and development, and be alert to the influence of conscious and unconscious biases.

Introduce mechanisms to deal with all forms of harassment and bullying, making clear that such behaviour will not be tolerated and setting out the consequences of breaking the organisation's behaviour code.

Communication

Develop an open culture with good communication channels based on open dialogue and active listening.

Ensure appropriate channels for employee voice and that different groups feel able to access them.

Use different and accessible methods such as newsletters, in-house magazines, notice boards and intranets to keep people up to date with diversity policies and practices.

Actively seek people's ideas and take action on feedback.

Learning and development

Build EDI concepts and practices into staff training courses, management training and teambuilding programmes to increase awareness of the need to handle different views, perceptions and ideas in positive ways. Find out what diversity training is most effective in our Diversity management that works report.

Consider awareness-raising programmes as part of wider ongoing EDI training integrated into continuous professional development (CPD).

Include EDI issues in induction programmes, including raising awareness of employee network groups, so that all new employees know about the organisation's values and policies.

Train all leaders and managers to help them understand the issues and drive their support for organisational and operational policies and practices.

Measure, review and reinforce

Establish effective governance of the EDI Policy and Strategy to ensure effective leadership, accountability and delivery

Regularly audit, review and evaluate progress, using quantitative and qualitative data on both inclusion and diversity, to highlight where barriers exist (for example, via recruitment data) and show the impact of initiatives, making appropriate changes to activities if needed.

Use employee surveys and marginalised employee lived experience to evaluate initiatives, to find out if policies are working for everyone, and to provide a platform for improvement.

Add EDI objectives in job descriptions and performance reviews, and recognise and reward achievement. For example, staff surveys could ask questions about the team culture and the perception of equality of opportunity.

Benchmark progress against other organisations and explore what others are doing to adopt and adapt ideas where appropriate.

Network with others from inside and outside the organisation to keep up-to-date and to share learning.

Diversity management

Discover our practitioner-focused recommendations which come from an evidence-based view of diversity and inclusion

This factsheet was last updated by Lutfur Ali, Public Policy Advisor, Inclusion and Diversity, CIPD
Lutfur joined the CIPD in October 2021 and is also Non-Executive Director for the Business Continuity Institute (BCI) the professional body for business continuity and resilience experts. With a career spanning over three decades in the public, private and third sector, Lutfur has championed the delivery of social justice, equality, diversity, inclusion (EDI) and sustainability throughout his life.

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CIPD | Equality, diversity and inclusion in the Workplace | Factsheets

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Workplace equality, diversity and inclusion is about valuing every employee as an individual. Learn how an effective EDI strategy can improve the business.

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UK Global Health Insurance Card allows you to get necessary state healthcare in EU countries and some non-EU countries. For UK only residents.

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There are 2 types of cover available.

You can apply for either:

a UK Global Health Insurance Card (UK GHIC)

a UK European Health Insurance Card (UK EHIC), if you have rights under the Withdrawal Agreement

Find out more about the Withdrawal Agreement on GOV.UK
For most people, the UK Global Health Insurance Card (UK GHIC) replaces the existing European Health Insurance Card (EHIC) for new applications.

A UK GHIC and new UK EHIC are free of charge. Beware of unofficial websites, they may charge you a fee to apply.

Before going abroad, make sure you check the latest COVID-19 travel guidance on GOV.UK.

Important

There is no deadline to apply for a GHIC or EHIC. If you have an existing EHIC, you can continue to use it until it expires.

If you have an existing EHIC

If you have an existing EHIC, it will remain valid until the expiry date on the card.

You can apply for a new card up to 6 months before your current card expires.

It's currently taking longer than usual to process new UK EHIC and GHIC applications due to high demand. We're working to resolve this and will process all applications as soon as possible.

If you need emergency treatment while you're visiting another country and haven't received your card, you can apply for a Provisional Replacement Certificate (PRC).

How to use your card

You can use your card to access medically necessary state-provided healthcare when you're visiting an EU country or Switzerland.

Medically necessary healthcare means healthcare that cannot reasonably wait until you come back to the UK. Whether treatment is necessary is decided by the healthcare provider in the country you're visiting.

Medically necessary healthcare includes things like:

emergency treatment and visits to A&E

treatment for a long-term or pre-existing medical condition

routine medical care for pre-existing conditions that need monitoring

routine maternity care, as long as you're not going abroad to give birth

oxygen therapy and kidney dialysis

You'll need to pre-arrange some treatments with the relevant healthcare provider in the country you're visiting - for example, kidney dialysis or chemotherapy.
Check the Foreign Office country guides on GOV.UK for information on how to access treatment in the country you're visiting
Not all state healthcare is free within the EU and Switzerland and so you may have to pay for services that you would get for free on the NHS.

Your EHIC or GHIC is not a substitute for travel insurance. It may not cover all health costs and never covers repatriation costs. Make sure you have travel insurance as well as your card.

If you're abroad and do not have your card with you

You can get a Provisional Replacement Certificate (PRC) to prove your entitlement to medically necessary healthcare if you travel to Europe without your existing EHIC, UK GHIC or new UK EHIC and need treatment during your visit.

If you need a PRC outside opening hours, you should call as soon as possible the next working day.

The PRC will give you the same cover as an existing EHIC, UK GHIC or new UK EHIC until you return home.

When calling for a PRC, you'll need to give:

your National Insurance number

your name

your address

your date of birth

the name of the treatment facility

the email address for the specific department of the organisation providing your treatment

To apply for a PRC contact NHS Overseas Healthcare Services.

Someone else can apply for a PRC on your behalf.

Where you can use your card

You can use a UK GHIC or existing EHIC while visiting:

an EU country

Switzerland (only UK nationals, Swiss nationals and EU citizens)

A UK GHIC may become valid in more countries in the future. Check this page before you travel.

You can only use a UK GHIC in Switzerland if you're a UK national, a Swiss national, a citizen of an EU Member State, a refugee, a stateless person, or a family member, dependant or survivor of someone who holds one of these nationalities or statuses.

You may be asked for proof of your nationality or your status when using your UK GHIC in Switzerland.

You can use a new UK EHIC (identifiable by a Union flag hologram in the top-right corner) while visiting:

The EU countries are:

Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

Who can apply for a UK GHIC

You may be eligible for a UK GHIC if you meet 1 of the following criteria:

you're legally living in the UK and you do not have healthcare cover provided by an EU country or Switzerland

you're living in the EU or Switzerland with a registered S1, E121, E106 or E109 form issued by the UK

you're living in the EU or Switzerland with an A1 document which is issued by the UK

you're a family member or dependant of an entitled individual already listed

Who can apply for a new UK EHIC under the Withdrawal Agreement

You may be eligible for a new UK EHIC if you meet 1 of the following criteria:

you're living in the EU, Switzerland, Norway, Iceland, or Liechtenstein, and have been since before 1 January 2021 with a registered S1, E121, E106 or E109 form issued by the UK

you're living in the EU, Switzerland, Norway, Iceland, or Liechtenstein, since before 1 January 2021 with an A1 issued by the UK

you're a national of the EU, Switzerland, Norway, Iceland, or Liechtenstein who has legally resided in the UK since before 1 January 2021 and are covered under the Withdrawal Agreement; you may not be covered if you're also a UK national or if you were born in the UK

you're a family member or dependant of an entitled individual already listed.

you're a Chen or Ibrahim/Teixeira carer

Dual nationals

If you live in the UK and jointly hold UK and EU, Swiss, Norwegian, Icelandic or Liechtenstein citizenship, you will not normally be eligible for a new UK EHIC unless you:

hold British citizenship through naturalisation

were a citizen of an EU country, Switzerland, Norway, Iceland, or Liechtenstein before also becoming a British citizen

You'll usually be eligible for a UK GHIC.

People born in the UK

If you were born in the UK to British parents or parents who were settled in the UK and have lived in the UK from before 1 January 2021, you're not normally eligible for a new UK EHIC even if you're an EU, Swiss, Norwegian, Icelandic or Liechtenstein citizen.

This includes people of Northern Ireland who are Irish citizens.

You'll usually be eligible for a UK GHIC.

Information for people who live in Ireland

You may be able to get a new UK EHIC if you are:

a UK State Pensioner or are receiving some other exportable benefits and you've been living in the Republic of Ireland since before 1 January 2021

a frontier worker, this means you're working in one country while living in another, and have been since before 1 January 2021

If you live in Ireland and think you're eligible for a UK EHIC you cannot currently apply online and need to contact NHS Overseas Healthcare Services.

Applying for family members

Every family member needs their own card. You can add a spouse, civil partner, durable partner and children to your application when you apply. You must enter your own details first and apply for any additional cards when prompted.

If you've already completed your application and wish to add additional family members you'll need to contact NHS Overseas Healthcare Services. You should provide us with your reference number, name, date of birth and address so we can access your record.

Students studying in the EU, Norway, Iceland, Liechtenstein, or Switzerland

If you normally live in the UK and have been studying in the EU, Norway, Iceland, Liechtenstein or Switzerland since before 1 January 2021, you may be eligible for a new UK Student EHIC for use in the EU and your country of study.

You will not be able to use this card for treatment in Norway, Iceland or Liechtenstein unless one of these countries is your country of study.

If you started your course after 1 January 2021, or you're planning to study in an EU country, you'll need to apply for a Student GHIC.

You can use the Student GHIC in the EU, Switzerland and your country of study, but not yet in Norway, Iceland or Liechtenstein.

To apply you'll need a letter from your university or college showing:

the name and address of the UK educational institution if you're travelling as part of your course

the address of where you're studying in the EU or Switzerland

details of the qualification you're studying for

the dates your study period in the EU, Norway, Iceland, Liechtenstein, or Switzerland started and is due to finish

your permanent residential address in the UK

If the letter from your university or college does not include your permanent residential address in the UK, you will be asked to provide further evidence to confirm this.

Who cannot apply using this online service

Most people can apply using our online service.

You should contact NHS Overseas Healthcare Services if you fall into one of the following groups as you will not be able to use the online service to apply.

If you're an EU or Swiss national student

If you're an EU or Swiss national ordinarily resident in the UK, but studying in the EU, Switzerland, Norway, Iceland, or Liechtenstein you may be entitled to a new UK EHIC or UK GHIC.

If you hold a UK-issued A1

If you work in the EU, Switzerland, Norway, Iceland, or Liechtenstein and have a UK-issued A1 document you may be entitled to a new UK EHIC or UK GHIC.

If you're an au pair or nanny

If you're a UK or Irish national who usually lives in the UK permanently and you're going to work as an au pair or nanny in an EU country or Switzerland, you can apply for a UK GHIC.

Chen and Ibrahim/Teixeira carers

If you're an adult carer of a child who is from the EU, Norway, Iceland, Liechtenstein or Switzerland, but you're not from any of these countries or from the UK or Ireland, you may be eligible to apply for a new UK EHIC for yourself and for any other children you have who are not nationals of these countries.

You cannot apply if your right to reside in the UK is derived from your caring for a British citizen (Zambrano carer).

Dependent grandparents and grandchildren

You can add a grandchild to your new UK EHIC application if they're a non-UK national, are a national of the EU, Switzerland, Norway, Iceland, or Liechtenstein and are one of the following:

under 18, living in the UK and were born before 1 Jan 2021

older than 18 but born on or after 1 January 2000, and arrived in the UK after 31 December 2020

older than 18, born before 1 January 2000, arrived in the UK after 31 December 2020, and are dependent on you

You can add a parent or grandparent to your new UK EHIC application if they're dependent on you or your partner. Their relationship with you must have begun before 1 Jan 2021, they must live with you and also:

be a non-UK national,

be a national of the EU, Switzerland, Norway, Iceland, or Liechtenstein

they must have arrived in the UK after 31 December 2020

If they're a national of any other country, they can be added if they have settled or pre-settled status under the European Union Settlement Scheme (EUSS). If they do not have settled or pre-settled status, they can be added if their relationship with you began before 1 January 2021.

Claiming a refund

Depending on the country you visit you may be expected to pay all or part of your bill upfront and then claim a refund afterwards.

Some countries ask patients to pay a contribution towards the cost of their care, such as for prescription costs. This is known as a co-payment or patient share.

You can claim back the difference between the total bill and the co-payment, but the actual co-payment is not refundable.

Keep all receipts and any paperwork. You or your insurance company may need them if you're applying for a refund.

What to do if you believe your existing EHIC, UK GHIC or new UK EHIC has been wrongly rejected

If you believe that your UK GHIC, new UK EHIC or existing EHIC has been wrongly rejected by a hospital or other healthcare provider in the country you're visiting, you should try and resolve the issue with them.

Explain that the card entitles the holder to necessary healthcare. It may be useful to direct them to the European Commission's EHIC webpage, which provides images of all valid UK-issued EHICs and the UK GHIC.

If you need more help, contact NHS Overseas Healthcare Services. They can give you advice on what to do.

What to do if you think you've been incorrectly charged for medical treatment by an EU Member State or Switzerland

It's important that you keep documents relating to your treatment. The Overseas Healthcare Services at the NHSBSA may ask you for more information to check your eligibility and the cost of the treatment you had. This could include:

receipts or invoices relating to treatment

confirmation of payments made to healthcare institutions

documents relating to insurance cover if your insurer paid for treatment

discharge documents

They'll look at your claim to decide whether you were charged when you should have been covered. If they determine that your treatment should have been covered by the UK GHIC, new UK EHIC or existing EHIC, they'll reimburse you or your insurer for the costs of treatment which are covered by your card. This may not include the full cost of treatment.

You can contact NHS Overseas Healthcare Services.

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Applying for healthcare cover abroad (GHIC and EHIC)

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There are 2 types of cover available. You can apply for either: a UK Global Health Insurance Card (UK GHIC) a UK European Health Insurance Card (UK EHIC), if you have rights under the Withdrawal Agreement Find out more about the Withdrawal Agreement on GOV.UK For most people, the UK Global Health Insurance Card (UK GHIC) replaces the existing European Health Insurance Card (EHIC) for new applications.

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A-Z of fraud

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You can report fraud or cyber crime to Action Fraud any time of the day or night using our online fraud reporting tool. If you are in Scotland, please report to Police Scotland directly by calling 101.

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You can get funding for postgraduate study through loans, studentships, bursaries and grants - you might also get help from your employer.

You can now apply for funding for the 2023 to 2024 academic year.

Postgraduate Master's Loan

If you're starting a master's degree, you could get a Postgraduate Master's Loan to help with course fees and living costs. You can get up to:

£12,167 if your course starts on or after 1 August 2023

£11,836 if your course started between 1 August 2022 and 31 July 2023

£11,570 if your course started between 1 August 2021 and 31 July 2022

Postgraduate Doctoral Loan

If you're starting a doctoral degree, you could get a Postgraduate Doctoral Loan to help with course fees and living costs. You can get up to:

£28,673 if your course starts on or after 1 August 2023

£27,892 if your course started between 1 August 2022 and 31 July 2023

£27,265 if your course started between 1 August 2021 and 31 July 2022

It is not based on your income or your family's and it's paid directly to you.

Studentships

Studentships are postgraduate positions that have funding attached for fees, living expenses or both. They're mainly funded by UK Research and Innovation.

Teacher training, social work, medical and healthcare courses

You can apply for funding for:

Graduate-entry medical students can also get support from Student Finance England for fees charged over £3,465.

Charities and trusts

Charities and trusts sometimes provide grants, often for students from poorer backgrounds or those who've achieved academic excellence. Find out more at your local library in these publications:

the Educational Grants Directory

the Charities Digest

the Grants Register

the Directory of Grant Making Trusts

You can also use the Family Action grant search.

Learned societies

Societies sometimes offer funding for postgraduate or postdoctoral research. They include:

Other help

You might be able to get funding from:

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Postgraduate funding - find grants, loans, studentships and scholarships.

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You don't need to have done a masters for a PhD (though it can help inform your PhD thesis!)

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Where to find funding and support across all academic disciplines and industrial areas from the medical and biological sciences to astronomy, physics, chemistry and engineering, social sciences, economics, environmental sciences, and the arts and humanities.

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We offer funding and support across all academic disciplines and industrial areas from the medical and biological sciences to astronomy, physics, chemistry and engineering, social sciences, economics, environmental sciences, and the arts and humanities.

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Scholarships and bursaries, employer sponsorship, council funding, PhD loans, Postgraduate loans and Disabled Students' Allowances.

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There's no reason to let the cost of Masters or PhD study hold you back. Discover your postgraduate funding options with our guide to the loans, scholarships and bursaries available, and get advice on employer sponsorship and working while studying.

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Undergraduates and postgraduates can get help with the costs of their teacher training.

Undergraduates

You can get student finance for the following full or part-time teacher training courses:

initial teacher training (ITT) - including early years

school-centred initial teacher training (SCITT)

Postgraduates

You may be able to get student finance for the following full or part-time teacher training courses:

You'll need to apply for undergraduate student finance to get funding for your teacher training.

Early years ITT

You cannot apply for student finance if you're a postgraduate early years ITT trainee. Your fees will be paid by DfE. You may also be eligible for an early years ITT bursary.

Bursaries

You may also be able to get a postgraduate training bursary or an undergraduate training bursary from the Department for Education ( DfE).

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Teacher training - funding for full or part-time teacher training courses including Postgraduate Certificate of Education (PGCE)

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If you're training for social work you may be eligible for a bursary.

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If you're training for social work you may get a bursary.

Social work bursaries:

help with living costs and tuition fees

don't depend on your household income

don't have to be paid back

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Social work bursaries for help with tuition fees and living costs

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What you can apply for depends on when your course starts and what you're studying. You do not have to pay your NHS bursary back.

If you're not eligible for a bursary you may still be eligible for student finance.

If your course starts on or after 1 August 2018

You can get an annual payment from the NHS to help with your study and living costs (known as a 'bursary') if you're studying to be a doctor or dentist.

If you're studying a pre-registration postgraduate healthcare course, you may still be eligible for student finance.

If your course started in the 2017 to 2018 academic year

You can get an annual payment from the NHS to help with your study and living costs (known as a 'bursary') if you're studying to be a doctor, dentist, dental hygienist or dental therapist.

If your course started before 1 August 2017

You can get an annual payment from the NHS to help with your study and living costs (known as a 'bursary') if you're studying a dental, medical or healthcare course in England.

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Grants to help people with dependent children achieve education.

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WE HAVE RECENTLY BEEN MADE AWARE OF A SCAM THAT REFERENCES THE FAMILY ACTION GRANTS SERVICE IN AN EFFORT TO GAIN MONEY OR PERSONAL INFORMATION .

THE FAMILY ACTION GRANTS TEAM WILL NEVER CONTACT YOU THROUGH SOCIAL MEDIA, NOR WILL THEY REQUEST PERSONAL INFORMATION BE SENT VIA ANY SOCIAL MEDIA CHANNELS.

PLEASE ONLY FOLLOW THE FAMILY ACTION GRANTS APPLICATION PROCESS AS OUTLINED ON OUR WEBSITE.

Family Action has been distributing grants to help people and families in need since we were founded in 1869.

We know that by giving a small grant when it's needed the most, we can remove immediate financial barriers. This helps families to work through the bigger issues they're facing such as fleeing abuse or keeping their children in school.

Our grants programmes complement our aim to strengthen families and communities, build skills and resilience and improve the life chances of everyone we work with.

Making a small financial investment can make a big difference to the lives of families like Sarah's. Read her story to find out how £150 made a difference.

Our small grants programmes focuses on the two areas of Welfare and Education. We believe these to be two of the key areas in which we can really make a difference to support families, both those facing an immediate domestic need and those seeking to improve their educational and employment prospects.

If you or someone you know would like to apply for a grant, visit these links to read the criteria and find out how to apply.
With regret we are unable to acknowledge or respond to postal enquiries. Any enquiries about welfare or educational grants should be made via the email addresses provided in the above links.
What does living in poverty mean?

Living in poverty is a very real issue for thousands of families in the UK; as many as 1 in 3 children grow up living in poverty, despite the UK being the seventh richest country in the world.

Living in poverty means only ever wearing hand me downs and having to choose between putting on the heating or eating dinner at night. 36% of the population are just one large heating bill or a broken washing machine away from hardship.

Other Grants Programmes

Open Doors

Family Action, supported by our corporate partner NewDay, also delivers the Open Doors Grants Programme. Read more here.

Family Action Grenfell Grants Service

After the tragic Grenfell Tower Fire in 2017, Family Action disbursed funds raised through our own Justgiving appeal, and the Haley Yearwood Crowdfunder. We established a grants scheme to disburse £750,000 of the money Haley raised, and over £348,000 donated directly. The rest of the money raised will fund a long term responsive service providing practical and emotional support to the Grenfell community. Please see our full press release for more information.

This grants scheme will run in addition to the Grenfell Tower Grants service set up by Family Action in the days after the fire.

Read Yasmin's story to see how poverty affected her and her children

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Family Action's Grants Service: Financial support since 1869

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WE HAVE RECENTLY BEEN MADE AWARE OF A SCAM THAT REFERENCES THE FAMILY ACTION GRANTS SERVICE IN AN EFFORT TO GAIN MONEY OR PERSONAL INFORMATION . THE FAMILY ACTION GRANTS TEAM WILL NEVER CONTACT YOU THROUGH SOCIAL MEDIA, NOR WILL THEY REQUEST PERSONAL INFORMATION BE SENT VIA ANY SOCIAL MEDIA CHANNELS.

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Postdoctoral funding for humanities & social sciences

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Postdoctoral funding for humanities & social sciences

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British Academy

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Evidence report

The British Academy was asked by the Government Office for Science to produce an independent review on the long-term societal impacts of COVID-19. This report outlines the evidence across a range of areas, building upon a series of expert reviews, engagement, synthesis and analysis across the SHAPE research community. It shows that COVID-19 has generated a series of social, economic and cultural effects which will have long-term impacts.

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Evidence report The British Academy was asked by the Government Office for Science to produce an independent review on the long-term societal impacts of COVID-19. This report outlines the evidence across a range of areas, building upon a series of expert reviews, engagement, synthesis and analysis across the SHAPE research community.

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Royal Academy of Engineering

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Seed funding of up to £20,000 per award over one year is awarded to successful collaboration bids from each symposium, designed to strengthen collaborations developed at the symposium. These projects must be led by the needs of the community and adaptive to the nuances of the specific challenge that it aims to address.

The Frontiers follow-on funding of up to £300,000 over three years is available to scale up seed funded projects into fully formed collaborative research projects.

Additional grants of up to £10,000 over one year through Frontiers Champions are open to previous participants to help build a network around a challenge, made up of those who will benefit from the solution to that challenge.

Awardees and projects

The impact of Frontiers' funding is not just constrained to the initial project. It opens doors for many participants to explore and test ideas before scaling it to a fully functioning collaborative research project, acting as a bridge to larger scale grants, as well as directly supporting the scale up of these projects by offering follow-up funding, which enables them to have a greater and more sustainable impact.

Since the programme's inception in 2016, Frontiers seed funding grants have continued to make lasting impactful changes through their work. To date over 146 seed funding projects have been funded which research solutions for a wide range of issues. This research has included improving resilience to cyclones in Madagascar, using waste materials for sustainable homes and inspiring the younger generation with circular economy.

In March 2020 the first tranche of follow on funding was awarded to 13 teams to build on their previously awarded seed funding projects, and to date 23 Frontiers Champions were awarded networking grants to hold thematic or regional events exploring an international development theme.

Full information on current awardees for all Frontiers funding can be found on each of the pages below.

Frontiers offers various funding opportunities to sustain the development of ideas from the Frontiers symposia, and help bring them to fruition. It helps the researchers who take part to take the initial steps to attract more funding, supporting ideas that could change the future.

The impact of Frontiers' funding is not just constrained to the initial project. It opens doors for many participants to explore and test ideas before scaling it to a fully functioning collaborative research project, acting as a bridge to larger scale grants, as well as directly supporting the scale up of these projects by offering follow-up funding, which enables them to have a greater and more sustainable impact.

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Seed funding of up to £20,000 per award over one year is awarded to successful collaboration bids from each symposium, designed to strengthen collaborations developed at the symposium. These projects must be led by the needs of the community and adaptive to the nuances of the specific challenge that it aims to address.

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The Royal Society

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We provide grants and fellowships for outstanding researchers in the UK and internationally.

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Student Awards Agency Scotland - SAAS - Funding Your Future

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Identity Protection | Prevent Personal Fraud | Cifas

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Fraudsters can acquire and use your personal details in a variety of ways. Find out how to prevent and respond to the growing problem of identity theft.

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Need help after crime?

Get in touch anytime for independent, free, and confidential advice:

In an emergency you should always call 999.

Our services are confidential. We will only share information about you without your consent if we're concerned about your, or someone else's safety, or if we're required to by law. Read our privacy policy.

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Victim Support is the independent charity dedicated to supporting victims of crime and traumatic incidents in England and Wales.

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Submit and report crime anonymously

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As the experts in speaking up about crime and wrongdoing, we can support your organisation's crime prevention and detection objectives as well as help protect your target communities and facilitate shared learning in the ever-evolving crime landscape.
Keeping communities safer together.

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Independent UK charity taking crime information anonymously | Crimestoppers

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We're an independent charity that gives people the power to speak up to stop crime 100% anonymously.

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Register your valuables FREE and improve your chances of getting them back if lost or stolen

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The National Property Register, for Phones, Gadgets, Bicycles & More...

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Immobilise helps Police identify the owners of recovered property thousands of times everyday.

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How to recognise criminal gangs using children/vulnerable people to smuggle drugs across the country

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Support for LGBTQ+ experiencing hate crime

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Support for LGBTQ+ experiencing hate crime

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Galop works with and for LGBT+ victims and survivors of abuse and violence in the UK

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SupportLine - Confidential Emotional Support for Children, Young Adults and Adults

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We offer confidential emotional support to children, young adults and adults by telephone, email and post. We work with callers to develop healthy, positive coping strategies, an inner feeling of strength and increased self esteem to encourage healing, recovery and moving forward with life.

We also keep details of counsellors, agencies and support groups throughout the UK.

Patron: Glen Murphy MBE
Chairman: Peter Barrell BEM

Last Updated: 19th September 2023

Much of SupportLine's work involves supporting adult survivors of childhood sexual, emotional and physical abuse and since the media focus on the Jimmy Savile and other VIP cases of abuse, and the Child Sexual Abuse Inquiry, an increasing number of survivors are turning to SupportLine for help and support.

SupportLine is urgently in need of funds to enable our vital services to continue, please support us so we can continue to support others. Thank you.

You can call our Helpline number on: 01708 765200
or email us:info@supportline.org.uk

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SupportLine - Confidential Emotional Support for Children, Young Adults and Adults

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Supportline offers confidential emotional telephone support in the UK for men, women, children and young adults by calling 01708 765200

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From the Blog

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Who are you really talking to online?

The internet is a fantastic innovation that has, in many ways, made life more convenient, given us more choice, brought enrichment and for many, made...

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Our Mission

Our Mission

Get Safe Online is the UK's leading source of unbiased, factual and easy-to-understand information on online safety.

Our website is a unique resource providing practical advice on how to protect yourself, your computers and mobile devices and your business against fraud, identity theft, viruses and many other problems encountered online. It contains guidance on many other related subjects too - including performing backups and how to avoid theft or loss of your computer, smartphone or tablet.
Read more about who we are

Get Safe Online around the world

Get Safe Online has a presence in 24 countries around the world. Each country benefits from its own Get Safe Online website, customised to deliver the best and most relevant experience for individuals and businesses. Many of the countries also have a community of Get Safe Online Ambassadors and Advocates working on our behalf.
Read more about our International Sites

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Get Safe Online | The UK's leading Online Safety Advice Resource

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The UK's leading online safety advice resource. Providing free, impartial internet safety advice to help keep you and your family safe online.

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Help if you can't pay gas and electric bills

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Help if you can't pay gas and electric bills

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Check schemes, grants and benefits

From suppliers

Many energy companies offer schemes or grants to help with home heating and energy costs. For example, by making your home more energy-efficient or offering free boiler checks and upgrades. You don't have to be a customer to join some of these schemes.

Citizens Advice lists grants some larger suppliers offer.

Talk to your supplier about grants and schemes they run too.

From the government

You might qualify for the:

Winter Fuel Payment - a £100 to £300 fuel payment for people born on or before 26 September 1955.

Cold Weather Payment - a £25 payment for every 7 days of very cold weather between November and March.

Warm Home Discount - a £140 discount for some people getting Pension Credit or some people in low-income households.

Household Support Fund - a funding package to help vulnerable households this winter. Contact your local council for advice and help on accessing the fund.

If you live in Scotland or Wales;

The government's Fuel Direct Scheme can also help you repay a debt from benefit payments. Contact Jobcentre Plus (or your pension centre if you're on Pension Credit) to apply.

The government has also set out a package of support to help households with rising energy costs in 2022/23.

From charities

Charis has information on grants some charities offer and how to apply.

Turn2us has a benefits calculator and grants search tool to help you find out what support you can get alongside adviser locator tools. They also have information on benefits and information on help with paying energy and water bills.

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Getting help if you can't afford your energy bills

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Check schemes, grants and benefits Many energy companies offer schemes or grants to help with home heating and energy costs. For example, by making your home more energy-efficient or offering free boiler checks and upgrades. You don't have to be a customer to join some of these schemes.

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Struggling with debt, rent, bills etc., get help here!

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Coping With The Cost Of Living. Debt Advice. StepChange

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The cost of living crisis: How to cope with rising energy and food prices and deal with debt problems. Free and impartial debt advice from StepChange Debt Charity

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Learn and better understand your finances

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Learn and better understand your finances

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As a student, and possibly as alumni, you should be able to access this (use your pnumber email).

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Are you a staff member potentially interested in providing Blackbullion for your students? Find out more

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Apple® and App Store® are trademarks of Apple Inc.
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Payment services (Non MIFID/lending related products) for Blackbullion are provided by The Currency Cloud Limited. Registered in England No. 06323311. Registered Office: Stewardship Building 1st Floor, 12 Steward Street London E1 6FQ. The Currency Cloud Limited is authorised by the Financial Conduct Authority under the Electronic Money Regulations 2011 for the issuing of electronic money (FRN: 900199).

We partner with Bud so they can help us connect you to your bank through their secure APIs. Bud is authorised and regulated by the Financial Conduct Authority (FRN: 793327) to retrieve your account information.

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Learning platform for students who want to get in control of their money

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Budget Planner | Free online budget planning tool | MoneyHelper

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Discover our free online MoneyHelper Budget Planner calculator to gain a better understanding of your money coming in and out, and how to improve your finances.

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What is a loan shark and how to report a loan shark

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What is a loan shark and how to report a loan shark

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We're here for you, report a loan shark. Stop Loan Sharks will help you. We understand that reporting a loan shark is scary but we will help keep you safe.

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In debt? Get time to deal through this scheme!

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In debt? Get time to deal through this scheme!

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Breathing space is a government scheme which is designed to give you time to receive debt advice and find a solution to sort out your debt problems.

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Use this fact sheet to:

find out if you might qualify for breathing space;

understand how breathing space might benefit you; and

find out which debts can be included in breathing space.

What is breathing space?

Breathing space is a government scheme which is designed to give you time to receive debt advice and find a solution to sort out your debt problems. There are two kinds of breathing space.

Standard breathing space is where most creditors will have to stop collection and enforcement of your debts. Creditors will also have to freeze interest and charges on any eligible debts. See the Which debts can be included in breathing space? section.

Mental health crisis breathing space can provide extra protection for people who are receiving mental health crisis treatment. You can find more information in the What is a mental health crisis breathing space? section.

Am I eligible for standard breathing space?

To be eligible for standard breathing space you need to meet the following criteria:

you need to live in England or Wales;

you must be unable to repay some or all your debts 'as they fall due';

you must not be in a DRO, IVA or be an undischarged bankrupt; and

you must not have had breathing space in the last 12 months.

You will need to apply for standard breathing space through an approved debt adviser. Your debt adviser must agree that:

you need time to get debt advice; and

you are likely to enter a debt solution.

Are you up to date with payments?

Breathing space is more likely to help if you are already behind with your payments. If you are up to date with your household bills and credit repayments and can afford them, breathing space is unlikely to be an option for you. Breathing space gives you time to get debt advice but does not give you a 'payment holiday' by deferring your debt payments.

If you stop making payments to your creditors, your credit file could be affected. Your account will fall into arrears and this can lead to your lender treating your account as being in default.

Overdrafts and access to credit

You need to be careful if you regularly use your overdraft or another form of credit, such as a credit card, to live on.

As all your debts must be included in breathing space, you may lose access to these lines of credit. Contact us for advice if you are concerned that losing access to credit will make it difficult to cover your living expenses.

It is also a good idea to make sure that you have a safe bank account if you need to. A safe bank account would be one with a bank or building society that you do not owe any money to. You can find out more in our Safe bank account fact sheet.

What happens when you apply for standard breathing space?

Once you are in breathing space, all creditors who have been included will be informed and they must stop any collection or enforcement activity.

Breathing space will last for 60 days as long as you remain eligible. Once the breathing space ends, creditors will be able to collect the debt in the usual way.

During breathing space, you will need to try and decide on the best solution to deal with your debts. To do this you will need to work out what payments you can afford to pay your debts. To help you, visit our online tool and click ‘Get started’. If you can’t afford your payments, we’ll let you know which debt solutions are suitable for you.

For more information on your possible debt solutions please see our Ways to clear your debt fact sheet.

Once you have had standard breathing space you will not be able to have another one for 12 months.

You will be expected to meet certain requirements during breathing space. These are explained in the Requirements during breathing space section.

Creditor review

Your creditors can ask your debt adviser to review your breathing space. This could happen if the creditor felt that:

you do not meet the eligibility criteria;

the debt you have with them is not eligible for breathing space; or

you have enough money to repay the debt.

Your debt adviser will carry out the review. The debt adviser can cancel your breathing space if they agree there are sufficient grounds.

If your lender is unhappy with the outcome of the review, they can apply to court to try to get your breathing space cancelled or have their debt removed.

If the court agrees with your creditor’s request for review, you may be asked to pay the creditor’s costs.

Your credit file and the breathing space register

Whilst you are in breathing space, creditors will report any payments you miss to the credit reference agencies in the usual way. The credit reference agency will not be told that you are in breathing space.

Individuals lenders who have been included in a breathing space may keep their own record of you having breathing space. This could mean that future borrowing with that lender might be affected.

Basic personal details, such as your name and address, will be placed on a breathing space register. However, this is not available for everyone to view. Only creditors who have had a debt included in your breathing space will be able to access the register and they will only be able to view their debt along with your details.

Although the public cannot see the breathing space register, you can still ask that your residential address is not added to the register if you believe there may be risk of violence against you or someone you live with. Discuss this with your debt adviser.

Debts in joint names

If any of the debts you have included in breathing space are in joint names, the other person named on the agreement will also be protected against enforcement action by your creditors.

However, other people who are liable for debts included in your breathing space will not be added to the breathing space register.

Not paying your debts will have an effect on the other liable persons credit file as well as your own. You may want to discuss this with the other liable person to see if they want to maintain the payments even if you cannot.

After the 60 days breathing space, creditors will be able to start collecting the debt in the usual way. If the other liable person is unable to maintain the payments, they will need to seek debt advice themselves.

It is not possible to make a joint breathing space application. The other liable person may need to make their own breathing space application if they have their own debts that they need help with.

Debts with a personal guarantor

Some creditors ask for a guarantor before agreeing to lend money or provide a service. If the person who borrowed the money or used the service doesn’t pay, the creditor will ask the guarantor to pay.

If somebody has given a personal guarantee for a debt you include in a breathing space, they will not receive any protection from the creditor.If you are behind with the debt repayments or the guarantor cannot keep up the payments, the creditor can still carry on with collection and enforcement activity against the guarantor.

Which debts can be included in breathing space?

Most types of debt can be included in breathing space and you are not allowed to leave any eligible debts out of your application.

If you accidentally miss an eligible debt out of your application, you can add this in later. However, it will only receive the protections until the end of the breathing space period, not for the full 60 days.

Arrears on essential bills

Arrears are payments that you have missed on your debts and household or business bills. Arrears can also include interest and charges that have been added.

You can normally include arrears on essential bills. Examples include:

rent arrears;

mortgage arrears;

gas and electricity arrears;

water arrears;

hire purchase arrears;

council tax and business rates arrears; and

income tax and National Insurance arrears.

As covered earlier in the fact sheet, whilst you can include arrears on essential bills; you will usually have to keep up with your ongoing repayments. See the Things I’ll need to do in a breathing space section for more detail on what may happen if you don’t pay your ongoing essential bills.

Non-priority debts

You can include all non-priority debts. Examples of debts you can include are:

mobile phone arrears;

credit cards and store cards;

bank overdrafts and bank loans;

loans to finance companies;

catalogues;

home-collected credit;

family or personal debts; and

mortgage shortfalls (money you owe if your house was sold for less than the outstanding mortgage).

Which debts can’t be included in breathing space?

Some debts cannot be included in breathing space. These include:

magistrates’ court fines;

maintenance, Child Support Agency (CSA) and Child Maintenance Service (CMS) payments and arrears;

student loans;

budgeting loans and crisis loans;

money owed under a ‘criminal confiscation order’;

Universal Credit advances;

fraudulent debts;

debts resulting from certain personal injury claims against you.

You will be expected to pay your ongoing payments to these debts, and any arrears you may have. You can include them in the outgoings on your budget sheet.

Secured debt payments

For secured debts, such as a mortgage, secured loan or hire purchase agreement, you can’t include the secured lending itself in breathing space. You will be expected to pay your ongoing payments to these arrangements. You can however include any arrears that you may have.

Business debts

Your business debts are not eligible for breathing space if your business is registered for VAT, or you are in a business partnership with anyone else, and the debt you have relates solely to the business. It may be difficult to work out if you are eligible for breathing space. If you are self-employed contact Business Debtline.

The advantages of breathing space

Your creditors cannot add interest or charges to an eligible debt during breathing space.

Your creditors or collection agency cannot contact you to ask for payment towards a debt that has been included in breathing space.

No enforcement action can be taken against you for a debt that has been included in breathing space. You can find more information about what types of enforcement you would be protected from in the Protections during breathing space section.

Protections during breathing space

Breathing space will stop creditors that can be included from starting or continuing with enforcement action against you. The protections you receive will depend on the types of debt you have and the kinds of enforcement action that are being threatened or taken.

Bailiffs (also called enforcement agents)

Bailiffs are also commonly called enforcement agents. In this fact sheet, we refer to them as bailiffs.

A creditor will not be able to start bailiff action against you whilst you are in breathing space.

A bailiff is not allowed to try to take control of your goods whilst you are in breathing space.

If a bailiff has already taken goods from your property, they will still be able to sell these. However, the bailiff cannot charge for the storage of these goods during or after the breathing space.

If a bailiff takes any action whilst you are in breathing space, show them your breathing space confirmation and contact your debt adviser for advice.

Bailiffs can be involved in collecting a variety of debts. Rules can be different depending on the type of debt they are collecting. For more information see the following fact sheets:

County Court bailiffs fact sheet;

High Court enforcement fact sheet;

Council tax arrears fact sheet; and

Penalty charge notices fact sheet.

Court action

A creditor will not be able to start court action against you whilst you are in breathing space.

If a creditor has already started court action, they should not take enforcement action to try and recover money from you.

A creditor cannot start bankruptcy proceedings against you or issue a statutory demand.

However, if a creditor has already obtained an attachment of earnings order to take money from your wages, breathing space will not stop this. For more information see the following fact sheets:

Replying to a County Court claim fact sheet;

Attachment of earnings orders fact sheet;

Varying a CCJ fact sheet;

Bankruptcy fact sheet; and

Statutory demands fact sheet

Your home

If you rent your home, in most cases your landlord will not be able to start court action to evict you for rent arrears whilst you are in breathing space.

If you have a mortgage, in most cases your mortgage lender will not be able to start court action to repossess your home whilst you are in breathing space.

You will be expected to maintain your usual ongoing mortgage or rent payments during breathing space.

For more information about dealing with arrears on your home see our Mortgage arrears fact sheet or Rent arrears fact sheet.

Energy

In most cases, your energy supplier will not be able to disconnect your gas or electricity whilst you are in breathing space.

Your energy supplier will not be allowed to fit a prepayment meter to take payments towards the debt whilst you are in breathing space.

You need to keep paying your ongoing energy bills during breathing space.

For more information about dealing with energy arrears see our Gas and electricity arrears fact sheet.

Harassment and complaints

Creditors, including debt collection agencies, should not contact you to ask for payment whilst you are in breathing space.

If you feel you are being contacted unreasonably by your creditor, see our Harassment by creditors fact sheet.

Some creditors will still have a legal obligation to send letters under the Consumer Credit Act 1974 such as a “notice of arrears”. You do not need to reply to these letters, and you are still protected by breathing space.

If a creditor ignores the breathing space protections, tell your debt adviser. They can remind the creditor of their obligations. If appropriate, your debt adviser can tell the Insolvency Service what has happened.

You can also make a complaint to the creditor yourself and take your complaint to the relevant ombudsman if you are unhappy or don’t get a response.

For most credit debts you can take your complaint to the Financial Ombudsman Service if needed. See our Complaining about your lender fact sheet for more information.

For complaints about the council, you can take a complaint to the ombudsman. If your complaint is about a council in England, you can complain to Local Government and Social Care Ombudsman. If your complaint is about a council in Wales, you can complain to the Public Services Ombudsman in Wales.

For complaints about your energy provider, you can take complaints to the Energy Ombudsman if needed.

If you are not sure who you should complain or take your complaint to, ask for a copy of the creditor’s complaints process.

Third-party deductions

You may be having deductions taken from your benefits for a particular debt, such as a benefit overpayment or energy arrears. These are often called third-party deductions.

If you receive Universal Credit, these deductions will continue even if the debt is eligible for breathing space. New deductions will also be possible.

If you receive Income-based Jobseeker's Allowance, Income-related Employment and Support Allowance, Income Support, Housing Benefit, Child Tax Credit or Working Tax Credit, then these deductions should stop if the debt is eligible for breathing space. New deductions will not be possible. Check with your creditor whether the deductions will stop.

You may be paying some important debts through a deduction from your benefits, such as rent arrears. Breathing space may stop the deduction. If you want to carry on making the payment, you'll need to speak to your creditor and arrange another way of making payment.

Continuing with payments will be especially important if, for example, you have an arrangement to pay rent arrears through court. Contact us for more advice if you're unsure about this.

You may have a third-party deduction for some ongoing payments rather than repaying a debt, these deductions can continue for rent, fuel and water. Check with your creditor if you are unsure what your deductions are for.

If you are having a deduction made from your Universal Credit to repay a Universal Credit advance, these deductions will continue as Universal Credit advances are currently not eligible debts for breathing space. See the Which debts can’t be included in breathing space section for the list of debts which are not eligible

Time limits for recovering debts

If you have debts which you have not paid or talked to your creditor about for a long time, it might be the case that these debts will soon become “statute barred”. This means the lender has run out of time to make a court claim to recover the debt.

See our Statute-barred debts fact sheet for more information.

If you have a debt which is due to become statute-barred whilst you are in breathing space, the time limit for the creditor to start a court claim will be extended for eight weeks after the breathing space finishes.

If you have a debt which is soon to become statute-barred, you will need to be careful not to acknowledge the debt. It is not clear, at the moment, whether applying for breathing space is treated as an acknowledgement of the debt or not. If it is, your creditor will usually have another six years to start their court claim.

If you have a debt which you think may be statute-barred or may soon become statute-barred and you are thinking about applying for breathing space, contact us for advice.

What you must do during standard breathing space

There are some things you normally must do when you are in breathing space. Your debt adviser May contact you during breathing space to see if you are meeting these requirements.

Important

If you aren’t able to meet these requirements, it may mean your debt adviser will cancel your breathing space and your creditors will be able to collect the debt as usual. However, this up to your debt adviser.

If you are unable to pay your ongoing liabilities because you can’t afford them, it is unlikely your breathing space will be cancelled. Speak to your debt adviser.

Pay your ongoing liabilities

Whilst in breathing space you must make payments to your ‘ongoing liabilities’ if you can. Ongoing liabilities are generally payments that you must make and are not eligible for breathing space. Ongoing liabilities are covered in detail below

Your mortgage and/or secured loan payment

You will need to keep paying the contractual monthly payment on your mortgage or other secured lending on your home. You do not have to pay anything towards any arrears that you may have. However, it may be a good idea to make some payments if you can. Discuss this with your debt adviser.

Your rent or lease payment on your property

You will need to maintain the contractual monthly payment on the rent or lease on your property. You do not have to pay anything towards any arrears that you may have. However, it may be a good idea to make some payments if you can. Discuss this with your debt adviser.

Council tax and business rates

If your council tax bill or business rates are still being paid in monthly instalments, you must try to continue to pay these. If your council has issued a reminder notice or the bill for the whole year has become due, you do not need to continue to make payments. Speak to your debt adviser if you are unsure about whether you need to continue with payments.

Water, electricity, gas and other fuel

You should continue to pay ongoing usage for your energy and water supplies. You do not have to pay anything towards any arrears that you may have. However, it may be a good idea to make some payments if you can. Discuss this with your debt adviser.

Taxes, duties and National Insurance contributions

If you need to pay your own taxes, duties and National Insurance contributions, you will need to keep paying these.

If you are employed, income tax and National Insurance will be taken from your wages as normal.

If you are self-employed, you’ll need to contact Business Debtline. If you have arrears, they can discuss the best way to deal with these.

Insurance agreements

If you have any insurance agreements such as life insurance or contents insurance, you will need to keep paying these.

Inform your debt adviser of any change in your circumstances

You will need to inform your debt adviser of any change in your circumstances such as a new job or a change in your income.

Taking out more credit

You must not borrow more than £500 when you are in breathing space.

Keep in touch with your debt adviser

Your debt adviser will want to know that you are taking steps to resolve your debt situation whilst in breathing space. It’s important to try to keep in touch as this is part of the requirements of breathing space. This could include replying to an email, phone call, or seeing your adviser face-to-face.

How to apply for standard breathing space

You will need to speak to a debt adviser to be considered for breathing space. We are able to apply for breathing space for you. If it appears that breathing space may be a good option and you wish to apply, we will need the following information:

your name;

your date of birth;

your usual residential address; and

details of who you owe money to.

If you are self-employed, we will also need the trading name of your business and the address of your business, if there is one.

It would be useful to have as much information about each debt as possible. This includes:

the creditor’s address;

the account or reference number; and

details of any collection agency or enforcement agent collecting the debt.

What is a mental health crisis breathing space?

You can only get a mental health crisis breathing space in very limited situations. A mental health crisis breathing space provides protection from creditors for people who are struggling with debts and who are also receiving mental health crisis treatment. Someone is classed as receiving mental health crisis treatment if they are:

detained for assessment or treatment under the Mental Health Act 1983;

removed to a place of Safety under the Mental Health Act 1983; or

receiving crisis, emergency or acute care or treatment in any setting from a specialist mental health service. (this would be a mental health service provided by a crisis home treatment team, a liaison mental health team, a community mental health team or any other specialist mental health crisis service).

An approved mental health professional (AMHP) will need to confirm that you are receiving mental health crisis treatment. An AMHP will be someone approved under section 114(1) of the Mental Health Act 1983 by any local social services authority in England, or approved under that subsection by any local social services authority in Wales.

You can make a referral yourself, but an evidence form signed by an approved mental health professional will need to be submitted with your application.

Mental Health and Money Advice has more information about mental health breathing space, including who would qualify. The Money and Pensions Service has more information about how to submit a referral for a mental health crisis breathing space.

Important things to know

A mental health crisis breathing space will provide you with the same protections as the standard breathing space.

A mental health crisis breathing space will last for the duration of your mental health crisis treatment plus 30 days.

Unlike a standard breathing space, people who wish to enter a mental health crisis breathing space will not need to receive advice and find a debt solution.

You can choose someone to talk to the debt adviser for you.

There is no limit to the number of times that you can enter a mental health crisis breathing space. You can also apply if you have had a standard breathing space in the last 12 months

See our Debt and mental health fact sheet for more information about mental health and dealing with your debts.

Other fact sheets that may help you

Attachment of earnings orders fact sheet

Bankruptcy fact sheet

Complaining about your lender fact sheet

Council tax arrears fact sheet

County Court bailiffs fact sheet

Debt and mental health fact sheet

Gas and electricity arrears fact sheet

Harassment by creditors fact sheet

High Court enforcement fact sheet

Mortgage arrears fact sheet

Penalty charge notices fact sheet

Replying to a County Court claim fact sheet

Rent arrears fact sheet

Safe bank accounts fact sheet

Statute barred debts fact sheet

Statutory demands fact sheet

Varying a CCJ fact sheet

Ways to clear your debt fact sheet

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Use this fact sheet to: find out if you might qualify for breathing space; understand how breathing space might benefit you; and find out which debts can be included in breathing space. Breathing space is a government scheme which is designed to give you time to receive debt advice and find a solution to sort out your debt problems. There are two kinds of breathing space.

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How to open, switch and close a bank account | MoneyHelper

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We cover the basics of banking, including what ID you need to open a bank account, how to switch and the common bank fees and charges to watch out for.

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Criminals may ask you to receive money into your bank account and transfer it into another account, keeping some of the cash for yourself. If you let this happen, you’re a money mule. You’re involved in money laundering, which is a crime.

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Financial abuse support for women in relationships

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Financial abuse support for women in relationships

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Surviving Economic Abuse: Transforming responses to economic abuse

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Surviving Economic Abuse (SEA) is the only UK charity dedicated to raising awareness of and transforming responses to economic abuse.

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Sign up for the free trial (and cancel straight away) to view your credit score.

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Experian | Credit Scores, Reports & Credit Comparison

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Check your Free Credit Score, get your credit report, or compare credit cards, loans & mortgages with Experian UK.

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Money Saving Expert (Martin Lewis) has a credit report which uses experian to get your credit score FOR FREE!

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Beware of scammers pretending to be from the FCA. We'd never ask you to transfer money to us and we'd never ask for your bank account PINs and passwords. Find out how to spot fake FCA communications, the tactics scammers use and methods of contact.

Anyone can be the target of a scam. Sometimes, it can be hard to tell the difference between a con and a genuine offer. If you're contacted about:

an investment

your pension

taking out a loan or credit

insurance and warranty products

making a claim

Or if you're suspicious about an investment you've seen online, or a financial service you've paid for, please report it to us.  We look into every report we receive, and it could help protect others.

If you've given scammers any of your personal information, or you've made a payment, tell your bank immediately using the contact details on the  Financial Services Register.

Scams we can't help with

We can only look into scams that involve financial services we regulate. We can't help with:

driving licence scams

TV licence scams

HMRC and tax scams

competition or lottery scams

eBay/Gumtree/Amazon merchant scams (for example, the seller not delivering goods)

If you've been contacted about one of these scams:

contact Action Fraud on 0300 123 2040 or via the website. If you live in Scotland, you should report to Police Scotland by calling 101, or contact Advice Direct Scotland on 0808 164 6000

get in touch with the relevant organisation or regulator

If you get a suspicious email, text or phone call claiming to be from HMRC, find out how to report it.

How to report a scam

To report a scam or an unauthorised firm, contact us via phone or via our contact form.
Report a scam
We're open Monday to Friday, 8am to 6pm and Saturday 9am to 1pm.

0800 111 6768 (freephone)

0300 500 8082 from the UK

+44 207 066 1000 from abroad

Our team will take details of the scam and give you guidance on your next steps.

Calls using next generation text relay, please call us on (18001) 0207 066 1000.

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If you think you've been contacted by a fraudster or unauthorised firm, find out which scams we can look into and how to make a report. First published: 05/03/2020 Last updated: 22/08/2023 See all updates

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Use the Turn2us Benefits Calculator to find out which welfare benefits you may be entitled to.

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Welcome to entitledto’s free benefit calculator. To find out what you might be able to claim enter your details and you’ll receive an estimate of your entitlement…

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Help from your energy company (energy schemes)

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Help from your energy company (energy schemes)

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If you are struggling to pay your energy bills, find out about the help you can get.

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Advice charity across Mid to West Midlands

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Advice charity across Mid to West Midlands

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Act on Energy - Energy Efficiency, Grants, Schemes & Advice

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Act on Energy has been offering expert energy advice, help with energy bills, and government funded grants for heating systems and insulation since 1998.

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British Gas Energy Trust, incorporating the Scottish Gas Energy Trust, is an independent charitable Trust funded solely from donations from British Gas. The Trust contributes to the relief of poverty, with a particular focus on fuel poverty.

The Trust helps families and individuals experiencing hardship who are struggling with gas and electricity debts by awarding grants to clear those debts. This makes a significant difference to the lives of thousands of people each year, helping them get back on their feet and remain debt free going forward.

The Trust also funds organisations across England, Wales and Scotland to provide fuel debt and money advice services within communities.

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Independent fuel debt advice - British Gas Energy Trust

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British Gas Energy Trust, incorporating the Scottish Gas Energy Trust, is an independent charitable Trust funded solely from donations from British Gas. The Trust contributes to the relief of poverty, with a particular focus on fuel poverty. The Trust helps families and individuals experiencing hardship who are struggling with gas and electricity debts by awarding grants to clear those debts.

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This winter there are lots of places all over Coventry that are free to call in to throughout the day where you can find a warm welcome as well as access information, take part in activities, or connect with other support.

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Cost of living and wellbeing support - Coventry City Council

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The Coventry City Council website provides online services, information and advice for residents, businesses and visitors.

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Pregnant 10weeks+ support with healthy food and milk

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Pregnant 10weeks+ support with healthy food and milk

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What is Healthy Start?

If you're more than 10 weeks pregnant or have a child under 4, you may be entitled to get help to buy healthy food and milk.

If you're eligible, you'll be sent a Healthy Start card with money on it that you can use in some UK shops. We'll add your benefit onto this card every 4 weeks.

You can use your card to buy:

plain liquid cow's milk

fresh, frozen, and tinned fruit and vegetables

fresh, dried, and tinned pulses

infant formula milk based on cow's milk

You can also use your card to collect:

Healthy Start vitamins - these support you during pregnancy and breastfeeding

vitamin drops for babies and young children - these are suitable from birth to 4 years old

If you live in Scotland

You can get help from Best Start Foods (opens in a new tab) instead.

Advice on healthy eating

For more advice on healthy eating, visit:

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If you're more than 10 weeks pregnant or have a child under 4, you may be entitled to get help to buy healthy food and milk. If you're eligible, you'll be sent a Healthy Start card with money on it that you can use in some UK shops.

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Compare over 10,000 products across supermarkets and shops. Your free online price comparison website.

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olio

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Too Good To Go

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The app that lets customers rescue unsold food from shops and restaurants to save it from going to waste. Try it today.

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A community fridge is a space that brings people together to share food, meet up, learn new skills and prevent fresh food from going to waste.

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Back to all campaigns

Community Fridge Network

A community fridge is a space that brings people together to share food, meet up, learn new skills and prevent fresh food from going to waste. They're open to all and anyone can share or take food, including surplus from supermarkets, local food businesses, producers, households and gardens. Fridges are run by community groups in shared spaces such as schools, community centres and shops. There are over 450 fridges across the UK (and counting).

The Community Fridge Network is coordinated by Hubbub and brings together all UK based groups running a community fridge. It enables them to share knowledge, skills, ask questions and provide support to each other. Through the network we also offer free, comprehensive guidance on how to set up a fridge as well as tools covering everything you need, from posters to health and safety templates and more.

Stirring the pot for positive change

Community fridges are a tried and tested way of reducing the environmental impact of food waste, which is a huge issue. A third of all food produced globally is wasted. If food waste were a country, it would be the third biggest emitter of greenhouse gases globally. Across the growing network, each fridge can redistribute between 1 - 4 tonnes of surplus food per month, the collective impact of the network is huge. However, they do so much more, all across the UK fridges have become the centre of the community. As well as stopping good food from going to waste, people can also take part in other activities, learning new skills such as how to grow or cook food, or simply drop in for a chat. In the context of rocketing food prices and widespread loneliness many community fridges have also become a lifeline and valuable meeting place at the heart of their community.

Check out our Community Fridges in action

How the network is making a difference

Since our first Community Fridge opened its doors in Swadlincote, Derbyshire, the network has expanded to over 450. In 2022, the network saved over 7,000 tonnes of food from waste, shared 16.9 million meals worth of food, and provided a welcoming space for over 300,000 people. But the impact extends beyond numbers. The groups who manage the fridges have created social connections, reduced isolation, and empowered communities. We've witnessed a positive transformation in awareness and behaviors, as individuals embrace sustainable practices and take pride in being part of a movement against food waste.

Join the Community Fridge Network

Thinking of setting up a community fridge in your area? Join our network and learn how easy it can be. Together, we're not just saving food; we're building stronger, more connected communities.

Find a Community Fridge near you

Check out our interactive map to find your nearest Community Fridge. Get involved, visit your local fridge, drop by to share any surplus food (or pick some up). Or learn about other ways to keep food from going to waste.

Check out our latest funding opportunities

For those who have a fridge already: Check our our new investment fund - supporting existing groups to grow their impact: here

Curious to know more about Hubbub?

At Hubbub, we want to see a world where everyone makes choices that are good for the environment. Check out what we do and the difference we're making.

Are you a business that wants to collaborate?

Got your own challenge or idea for a project? We love to hear it, let's talk!

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A Community Fridge brings people together to eat, connect, learn new skills and reduce food waste. Find a fridge near you or get support to set one up.

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Helping to improve Leicester's Health and Wellbeing - Live Well Leicester

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We are here to help improve Leicester's health and wellbeing. Find stop smoking, healthy eating, physical activity and reducing alcohol support.

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Use this site to enter random ingredients to generate potential meal ideas.

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We use cookies on our site to give you a better experience by remembering your preferences and repeat visits. By clicking ‘accept’, you consent to use of ALL cookies. View our Privacy Policy for more Info.

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Food waste: make a meal from ingredients already in your cupboard

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Food waste: make a meal from ingredients already in your cupboard

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Supercook: recipe search by ingredients you have at home

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Supercook: recipe search by ingredients you have at home

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Supercook is a recipe search engine that lets you search by ingredients you have at home. Find thousands of recipes you can make right now with the ingredients you have available at home.

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Use this guide to brush up on your banking vocab and be fazed no more.