Who you can talk to about your debts

If you no longer get Universal Credit payments, action will still be taken to get back any money you owe

What happens to your debts if you stop getting Universal Credit

If you no longer get Universal Credit, action to get back any money you owe can include:

  • from other benefits or payments that you get, or
  • from your pay (by making ‘Direct Earnings Attachment’ deductions).

A debt-collection agency will be used to get this money back.

You may prefer to contact Debt Management to pay back any money you owe.

Messages to your online account in relation to Universal Credit overpayments, Universal Credit advance repayments, hardship payments or third party deductions will be answered as soon as possible during business hours.

Universal Credit overpayments

If you wish to discuss a Universal Credit overpayment, or to dispute or appeal against a decision, you can contact Universal Credit through your Universal Credit online account or speak to your work coach in your local Jobs & Benefits office

To find out how much you owe due to a Universal Credit overpayment, to make a repayment, or discuss reducing your repayments, contact Debt Management.

Universal Credit Advance

To get information about delaying repayments for your Universal Credit advance, to dispute a decision about your advance, or discuss your repayments, you can contact Universal Credit through your Universal Credit online account or phone the Universal Credit Service Centre

To make a repayment, contact Debt Management.

You can check the balance of your Universal Credit Advance through your Universal Credit online account.

Hardship payment

For information about Hardship payments, or to dispute or appeal against a decision about a Hardship payment, contact Universal Credit through your Universal Credit online account or speak to your work coach in your local Jobs & Benefits office.

To make a repayment, contact Debt Management.

Third Party Deductions

For information about a third party deduction, or to dispute or appeal against a decision, contact Universal Credit through your Universal Credit online account or phone the Universal Credit Service Centre

If you have made some payments direct to the third party supplier, you can contact them to discuss the money you owe or to make a repayment. Their contact details will be on their most recent bills or on their website.

Benefit overpayments

For information on benefit overpayments, to dispute or appeal against a decision, to make a repayment, or to discuss reducing your repayments, contact Debt Management.

Housing Benefit

For information on Housing Benefit overpayments, or to dispute or appeal against a decision, contact Northern Ireland Housing Executive (if you are a tenant) or Land & Property Services (if you are a homeowner).

To make a repayment or to discuss reducing your repayments, contact Debt Management.

Discretionary Support and Short-term Benefit Advance

For information on Discretionary Support or short-term benefit advance overpayments, or to dispute or appeal against a decision, contact Finance Support Service.

Budgeting Loan

For information on Budgeting Loan repayments, or to dispute a decision, write to Lisburn Jobs & Benefits office.

To make a repayment or discuss reducing your repayments, contact Debt Management.

Tax Credits

For information on Tax Credits overpayments, or to dispute or appeal against a decision, contact HMRC.

To make a repayment or discuss reducing your repayments, contact Debt Management.

Help and support

If you want help or advice about your debts and paying them off, contact your work coach through your Universal Credit online account or phone the Universal Credit Service Centre.

If you would like independent help and advice on Universal Credit or any of the other welfare changes, you can visit any independent advice office or contact

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