An asylum seeker is someone who comes to the UK, often fleeing persecution, torture or war and applies for refugee status. Until refugee status is granted, such a person remains an asylum seeker. Asylum seekers often encounter difficulty in obtaining accommodation.
Bolsover District Council has no duty to provide accommodation for asylum seekers.
For further information please see the Home Office Border Agency
Basic bank accounts
Basic bank accounts are aimed at giving everyone access to banking facilities. They are a basic, no frills account and are available from all major banks.
If you don’t currently have a bank account or, if you are not able to get a standard current account, you should look into basic bank accounts as an option. For further information please view the attached PDF and visit the Money Advice Service website.
Anyone can get into mortgage difficulties, and it can happen for many reasons, for example:
- An increase in mortgage rates
- Family breakdown/Separation
- The arrival of a new baby
- The loss of overtime - and several others.
If you start to get into mortgage arrears do not panic; but do recognise that it will not just go away, and you need to take action as soon as possible by contacting the lender, Citizens Advice Bureau or the Law Centre.If you live in the District of North East Derbyshire and have a problem paying your mortgage and you want to talk to someone about how to prevent losing your home, you can Contact the Housing Options team or the following organisations;
NE Derbyshire Citizens Advice Bureau telephone 0300 4568437
Derbyshire Law Centre telephone: 01246 550674 or Freephone 0800 7076990
Don't get bitten by a loan shark!
Loan sharks are illegal moneylenders. If you have financial problems do not borrow from a loan shark.You can get free financial advice in confidence from North Derbyshire Citizens Advice Bureau and Derbyshire Law Centre. They can help you re-organise your debts and contact your creditors to make reasonable offers that you can afford.
For more information visit the Stop Loan Sharks website www.stoploansharks.co.uk or to report a loan shark you can telephone: 0300 555 2222.
Alternatively you can contact your local Public Protection Project Team, telephone: 01332 644 000.
These agencies will help you for free and will be in strict confidence.
Loan sharks will take your money over and over again!
The scheme is aimed at first time buyers only who can afford mortgage payments but not the initial deposit.
The Local Authority can provide a mortgage deposit bond guarantee. A top-up indemnity to the value of the difference between a lower loan-to-value (LTV) mortgage (i.e. 75% - requiring a 25% deposit) and a 95% LTV mortgage. The potential buyer will thereby obtain a 95% mortgage on similar terms as a 75% mortgage, but without the need to provide the substantial deposit usually required.
In addition to meeting the mortgage application criteria required by Leek United Building Society, applicants must also comply with the Authority's local criteria:
• Maximum property value in North East Derbyshire District Council area of £175,000 and in Bolsover District Council area of £150,000.
• Property must be located within North East Derbyshire district Bolsover district.
Further information or enquiries please see the Leek United Building Society website. Or alternatively customers can call into their local Leek United branch or call the Society at the Head Office on 01538 380047 or at the Derby Branch on 01332 344708. Please see the attached factsheet for additional information.
Rocket Fuel - Top Tips for Moving On, which the PDF version is available to download, is a guide for people in supported accommodation moving to longer term or permanent homes. It provides useful information and tips for moving-on.
If you are currently living in supported accommodation then you may be eligible to access accommodation under the Move-on Protocol. Ask your support worker for more details. You and your support worker will first need to complete a MOP form, and then a R2M form when you are ready to move-on to your own accommodation.