Financial Wellbeing

We are here to help you with your money matters, whether it’s getting the benefits you’re entitled to or support with budgeting. 
Universal Credit helper tool

Looking to claim Universal Credit and don't know where to start?

We've launched a super simple and useful Universal Credit tool, with step-by-step guidance to give you all the information you need to help you through the application process.

Check it out here
Energy grants and discounts you may be eligible for

With winter just around the corner, it’s good to get prepared for the colder weather. If you’re worried about being able to afford fuel throughout winter, there are energy grants and discounts available that can help. Take a look at our news story for more information.

Read more here
Financial Wellbeing Team

We know that there may be times when you run into financial hardship or may simply need some support. Some of the free and impartial services we offer are:

  • Finding solutions to help you overcome debt
  • Spending management and budgeting
  • Assistance with applying for benefits
  • Accessing help from other organisations
  • Helping you understand your rights and responsibilities
  • You can get in touch with our dedicated in-house team at customer@moat.co.uk

    Financial Wellbeing Officer
    Stopping loan sharks

    Loan sharks are opportunistic, exploiting those in need and lending money with extremely high interest rates. Our team are working towards a partnership with the Illegal Money Lending Team (IMLT) and can help to identify and report loan sharks, so contact us if you are worried you or someone you know might be the victim of a loan shark.

    You can also head to stoploansharks.co.uk to confidentially report any concerns. 

    Loan Shark graphic
    Answering your questions on money matters

    With people facing loss of income or reduced hours during the pandemic, it's good to know what benefits and support are available to you. If you need help claiming Universal Credit, watch this handy video to get you started.


    We've put together some of our frequently asked questions which you may find useful.

    Case Studies