Trust funds are a form of charitable payment towards your debts. If you are in financial difficulty and find that you are not entitled to any assistance from elsewhere you may want to try to apply for help through a trust fund or charity.
Most charities will need proof that you are in financial hardship so before applying you should complete a budget sheet to show where your money goes. See our page on Budgeting for details of how to do this.
If you have been in contact with an adviser they’ll be able to suggest schemes you might be eligible for. For some grants you will have to be referred though an adviser, so if you are not already in contact with an organisation you can look at our Who Can Help? section to see who might be able to assist you with this.
A good place to start when looking for grants is the Turn2Us website . If you are specifically looking for help with energy bills you can also try the Turn2Us grant finder. These sites allow you to enter details of your individual circumstances and which debts you need help with in order to see what funds may be available to you.
Trust funds are generally independent organisations funded by an energy or water company. If you are in arrears with your bills it’s worth contacting your supplier to see if there is a trust fund you could apply to. Some trust fund websites are also listed below. Although many of these give priority to customers from the company which they are funded by, some may consider assisting customers from other companies, so even if your supplier does not have a trust fund listed here it may be worth having a look at some other company’s sites to see if they can help you.
- United Utilities Trust Fund
Untied Utilities Trust Fund could help you pay water or sewerage charges owed to United Utilities or an associated company. In extreme circumstances they can also assist with other household bills. Click on the link above for more information.
WaterSure schemes provide financial assistance to those already on a water meter who need to use large amounts of water on a day to day basis – for instance, because of a medical condition affecting someone in their household.
- Water Direct
This scheme allows customers who are in receipt of certain benefits to have water arrears taken straight out of their benefits at a set amount every month to help clear their debt.
- Arrears Allowance Scheme
If you are in arrears with United Utilities but are able and willing to make some payments towards clearing them you may be accepted onto this scheme. You have to make guaranteed payments towards what you owe each week over a period of 13 weeks. At the end of this time, United Utilities will match the total amount you’ve paid to clear your arrears.
- EON Caring Energy
EON Caring Energy can provide guidance and advice on energy efficiency and the best payment method and tariff for each customer’s needs. They can also provide benefit checks to make sure you are claiming all you are entitled to.
- EDF Energy Trust
EDF Energy Trust provides help to EDF Energy account holders or customers who are not themselves account holders but live in a house which is supplied by EDF Energy (people who are renting for example) to assist them with arrears on their energy bills. Click on the link above for more information.
- British Gas Energy Trust
British Gas Energy Trust (which also includes the Scottish Gas Energy Trust) provides help to British and Scottish Gas account holders or customers who are not themselves account holders but live in a house which is supplied by British or Scottish Gas (people who are renting for example) to assist them with arrears on their energy bills. They can also help people with arrears to energy companies other than British Gas. Click on the link above for more information.