‘SORTING OUT MONEY’

IMPROVING MONEY PROBLEMS IN BESTWOOD

Report Of Event Held 2 October 2014

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‘SORTING OUT MONEY’

IMPROVING MONEY PROBLEMS IN BESTWOOD

Report Of Event Held 2 October 2014

1. Introduction and background

This work was carried on behalf of Bestwood Advice Centre and is funded from part

of a grant from the Bestwood Ward Community First Panel grant. The remit for the

work was within the Bestwood boundary only, in line with the criteria of the grant. In

line with the aim and objectives below, local stakeholders from across Bestwood,

(paid or unpaid), were invited to come together at an event on 2 October 2014 to

begin the process below.

2. Aims and objectives of event

To begin a discussion in Bestwood on preventing the revolving door situation of debt

and financial vulnerability bringing local stakeholders (paid and unpaid) together

by identifying needs and issues

by helping equip local workers and raising awareness of services that can help

by developing a way forward (outline action plan)

3. Presentations

Presentations were given from the following local services for money issues:

Nottingham Credit Union – Ella Ferris

Trading Standards, Nottingham City Council:

Scams and Illegal Money Lending – Fiona Needham

Bestwood Advice Centre – Sue Foster

Welfare Rights, Nottingham City Council – Javaid Haider

Hardship Fund, Nottingham City Council – Javaid Hader

Christians Against Poverty – Lynne Clarke

Bestwood & Bulwell Food Bank – Nigel Webster

Fuel Poverty, Bestwood Advice Service – Sue Foster

Money Matters (Financial Capability),

Bestwood Advice Centre – Megan Murray

Parents Course (Financial Capability),

Transforming Notts Together – Anne-Marie Ainger

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Contact details of all the services are listed in appendix 1.

An overview presentation on the issues was provided at the start of the day:

financial exclusion overview, issues regarding income, debt, credit, banking,

financial capability, saving, as well as local data.

Copies of presentations were circulated to participants. A copy of the agenda

from the day is attached at appendix 2.

4. Needs and priorities

During workshops participants looked at eight topics areas:

Income

Debt

Credit

Banking

Supporting Saving

Financial Capability

Affordable Warmth/ Fuel Poverty

Affordable Food

For each topic area, groups looked at the following questions:

Needs/ Issues

What is already in place

What needs to be changed/ put in place

Full details of the outcomes of the workshops are given at appendix 3. An overview

of the themes is provided below.

1. INCOME

Types of need Action areas proposed

1. Benefit issues

2. Insecure, low paid work

3. Personal barriers to work

Income maximisation

Employment and employment

support

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4. Education and financial capability

5. Childcare

6. Pressures to spend

7. Incentive

Tackling drug and alcohol use

Training

School opportunities that support

employment prospects

Raising aspirations – adults

Community research

2. DEBT

Types of need Action areas proposed

1. Irresponsible lending and high cost

credit

2. Personal barriers

3. Stigma and denial

4. Pressure from others

5. Income

6. Education/ financial capability with

debt

7. Unemployment

8. Gambling

9. Debt support that is free

Debt support access

Financial capability re debt

Work and training

Tackling high cost credit

Support with saving

3. CREDIT

Types of need Action areas proposed

1. Prevalence of high cost credit and

irresponsible lenders

2. Sanctions/ Welfare reforms

3. Dealing with pressure from others

4. Financial education support re credit

Provision of a local credit union or

other saving and loan facilities

Financial capability with credit

Tackling high cost credit

Maximising income

4. BANKING

Types of need Action areas proposed

1. People being unbanked

2. Banking access in Bestwood

3. Skills to access and use accounts

4. Accounts that are charging

5. Credit union access

Credit union/ banking presence

Financial capability – knowledge,

skills, confidence, awareness, in

banking

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Internet banking access

School savings account

5. SUPPORTING SAVING

Types of need Action areas proposed

1. Income

2. Access to a savings facility

3. Financial capability

4. Other personal circumstances

Local saving facility

Development of a matched or

incentivised saving scheme

Supporting children’s saving

Maximising income

Dealing with debt

Financial capability with saving

6. FINANCIAL CAPABILITY

Types of need Action areas proposed

1. Skills, understanding, confidence with

money

2. Barriers arising from personal

circumstances

3. Financial capability needs of different

age groups

4. Bank account access

5. Joint working by services

6. Accessibility of services

Financial capability in schools

Increased access to financial

capability courses

Access to debt advice

Content and style of financial

capability work

Joint working

‘Growing your own’ options

Learning in schools

7. AFFORDABLE FOOD

Types of need Action areas proposed for action

1. Action to inexpensive food shops –

transport and internet

2. Grow your own food

3. Cooking skills

4. No cooking facilities

5. No money

6. Spending priorities

Shopping and cooking on a budget

support

Markets and food co-operatives

Facility for children in school holidays

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8. AFFORDABLE WARMTH/ FUEL POVERTY

Types of need Action areas proposed

1. Practical assistance with fuel and fuel

costs for low income families

2. Education/ Information

3. Comparison and switching ability

4. Poverty/ cost and debt

5. Energy efficient homes

Changes that can lead to reductions

in fuel cost

Awareness, education and aids to

reduce usage

Comparison and switching support

Saving scheme for pre-payment

Energy efficient homes

5. Cross cutting themes

Some cross cutting themes also arose, as follows:

- Level of wider problems that compound money issues such as disability, mental

health issues, domestic abuse, disabilities, drug and alcohol problems

- Agencies not working together

- Financial capability is highlighted as a need across different topics. Financial

capability sessions were being delivered in Bestwood, but work was not yet

happening in a planned approach for the needs of different groups and ages.

6. Recommendations

It is recommended that:

1. The report and the issues highlighted be considered by the Neighbourhood

Action Team and the Area 2 Committee.

2. Organisations develop effective ways of joint working around money issues and

that an initial partnership meeting is held as soon as possible to consider this.

3. In addressing money issues there is joint working with agencies working with

different vulnerable groups, where the barriers individuals experience often

compound money problems.

4. A joint planned approach is developed in taking forward further financial

capability work, according to the needs of different groups and ages.

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Appendix 1 SECTION 1. INCOME a) Need b) What is already in place c) What needs to be put in place

1. Benefit issues: Benefits – sliding scale for long term unemployment DWP ‘issues’ – sanctions and delays Reduced income due to decreases in benefits 67% of NCH tenants on Housing benefit 2. Insecure low paid work: Confusing contracts/ hours Agency jobs – erratic hours Lack of Living Wage – minimum wage is too low Pay freeze in public sector Low income vs rising living costs Focus is on families with benefits not low income families 3. Personal barriers to work: Disability Direct payments Domestic abuse Mental health Drug and alcohol 4. Education and financial capability: Lack of financial skills Educational attainment Loan sharks/ payday lenders – people go to wrong place for help Lack of understanding of priorities eg council tax and consequences involved

Bestwood Advice Centre CAP Foodbank Framework Tenancy advice Money Matters – financial capability courses Sharewear Send a priority family event Priority families Volunteers Job clubs at Southglade New work club Bestwood Directions Working Links Adult Learning Apprenticeship skills Youth contract – Right Track Futures Family Support Workers to empower, support and advise Princes Trust Welfare reform – have to work when children reach certain age Alternate learning ‘Freedom Programme’ to take back control – empower, self worth, build confidence

1. Income Maximisation Benefit checks = benefit maximisation Bestwood Advice Centre blog 2. Employment and employment support Employment Supporting people into work – mentoring.* Very important, but have to be non judgmental and non patronising otherwise they will not engage. Self employment / business coaching/ training/ events/ talks/ information Small business support Funding for apprenticeships for ALL ages not just 16-18yr olds. Awareness of available apprenticeships/ employment opportunities More volunteering opportunities with a view to returning to work Getting people into work and fixed hours/ income Increasing digital access – community centres 3. Raising aspirations Raise parents aspirations – long term unemployed need aspirations and help to get training for jobs they would enjoy. Therefore they would engage. 4. Training Training Training opportunities – key skills, IT, Numeracy, literacy - more vocational

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5. Childcare: Lack of affordable child care means people cannot work. Types of jobs customers have are awkward hours when childcare isn’t available 6. Pressures to spend: Peer pressure with spending – social media Advertising – consumerism 7. Incentive: Unemployment – incentive to work No aspiration to work/ come off benefits

Education 5. School opportunities that support employment prospects Ensuring children have a good educational experience Raising aspirations secondary and primary Longer period of work experience in school – encourage local employers to offer it. 6. Tackling drug and alcohol use Need to be more drug/ alcohol aware and do workers realise how prevalent it is in Bestwood. More drug aware programmes.* 7. Community research Engage with some of the people with ‘money problems’ and ask what they feel would help best – focus groups

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SECTION 2. DEBT a) Needs

b) What’s already in place c) What needs to be put in place

1. Irresponsible Lending and High Cost Credit: Use of ‘quick fix’ scams – bingo/ gambling] not Use of ‘speedy cash’ loans/ payday loans] responsible Large credit card debt ] lending Store cards Consolidating loans shifts debt into larger pot Fees added to debt (loans) as well as APR Not paying bills affects credit score = only access to high cost credit 2. Other personal barriers: Mental health – depression/ causal links both ways with debt Drug and alcohol Addictions Disability Language barrier 3. Stigma and Denial: Shame Normalisation of debt passed down the generations Debt is seen as ‘ok’ Denial Waiting until there is a crisis Avoiding the issue 4. Pressure from others: Peer pressure Bullying Family pressure Domestic abuse – exclusion/ can’t work/ stigma

Bestwood Advice Centre Courses for everyone, not just those on benefits National debt charities Helplines Christians Against Poverty ‘Ask MA’ (Money Advice Service) Martin Lewis internet advice Welfare Rights Sorting Out Money Financial Inclusion Officers Family Support Workers in Schools Emmanuel House Framework Housing

1. Debt support access

Try to reduce waiting lists for advice services

Having correct support in place for specific issues

Supporting people while on their debt free journey

Advertising/ promoting services to a wider audience. Let’s get on telly - NOTTS TV!

Debt advisor back in Children’s Centres

Raise awareness of debt earlier before crisis and provide support

Bestwood Advice Centre blog 2. Financial capability re debt

Money management courses to continue

Budgeting courses and into schools for children/ parents

Have courses in place accessible to those who need them

Adult awareness courses in the schools

Why are we waiting for people to be in debt before we educate them on debt advice/ offer courses, information, training advice BEFORE they are in debt and to everyone not just low income families.

Universal education for children – value of money

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5. Income: Cost of living Not eligible for benefits ‘Bedroom tax’ 6. Education/ financial capability with debt: Lack of knowledge – what debt can/ can’t be ignored, priority debts Ignorance – not understanding the consequences Budgeting skills 7. Unemployment: Worklessness: lack of skills/ opportunities Lack of motivation to work 8. Gambling: Betting shops Scratch cards 9. Debt support that is free: Capacity of support, no urgent support People don’t know what help is available/ ignorance Debt management plans that charge more in fees than in repayment Financial organisations that charge

3. Work and Training

More ‘back to work’ schemes

More volunteer opportunities – mentoring

Out of hours childcare for shiftwork

Support for small business ideas 4. Tackling high cost credit

More information/ awareness about illegal and doorstep lending – and remind people of the alternative

Awareness of payday loan high repayments

More control of store cards 5. Support with saving

Teaching children to save – Credit Unions in schools/ children’s centres

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SECTION 3. CREDIT a) Needs

b) What is already in place c) What needs to be put in place

1. 1. Prevalence of high cost credit and irresponsible lenders: Doorstep lending – photographers offering payment plans for portraits Payday lenders – regulated Illegal lending Money shop/ Cheque Centre Online lending – with guarantors Brighthouse/ Perfect Homes – weekly payments TV advertising – too much Credit is easy to access Christmas lending Store cards Provident Local credit union is need – people now have to travel to city centre 2. Sanctions/ Welfare Reforms: DWP driving people to use payday loans/ doorstep lenders Sanctions – should be more warning before sanctions 3. Dealing with pressure from others: Not prioritising, pressure of society Borrow more than you need – consumerism Generational 4. Financial education support re credit: Need to learn to budget Learn to prioritise. Budget. Lack financial awareness

Bestwood Advice Centre ] But Welfare Rights ] Money Management courses – financial capability ] not Children’s Centre Duty Services ] Christians Against Poverty ] working Bestwood Directions ] Foodbank – best thing to happen for this area ] together Schools programme – NCH and NCC (Role out in Bestwood soon) ] NCC Hardship refer to Nottingham CU at 2% loan on white goods ] Family Support Workers Secondary School Financial Awareness Package

1. Provision of a local credit union or other saving and loan facilities Train people to provide training/ banking points in the community Local credit union! – how can we make it workable this time?/ Better communication! Collection points at Housing Offices/ Schools Christmas clubs/ Savings club in schools Bestwood Advice Centre Blog/ Facebook 2. Financial capability with credit Taught about these matters in school Education for both adults and children More awareness for budget planning courses Make people aware of the difference in APR percentages and what APR means What about a ‘debt card’ instead of a credit card – renaming it 3. Tackling high cost credit Raise awareness of trading standards More responsible lending and less payday/ door step Educate about cost of payday and doorstep loans 4. Maximising Income Ensuring people are getting all money they are entitled to Cookery classes to stop relying on payday loans

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Don’t know what APR is Low income families should be prioritised too, not just people on benefits

SECTION 4. BANKING a) Needs

b) What is already in place c) What needs to be put in place

1. People being unbanked: People don’t have bank accounts Fear of bank fraud. Fear of a bank charges. Most unbanked have closed their current accounts due to penalty charges. 2. Banking access in Bestwood: No banks in Bestwood – travel costs to get to nearest bank Who has online banking access? Only 2 free ATM’s (Landas on Andover Road and Coop), plus in post office 3. Skills to access and use accounts:

Knowledge, how to do it! Poor literacy/ numeracy 4. Accounts that charge: High street banks with accounts that have monthly charges – eg Halifax £15 pcm Accounts charging for use – eg Halifax premier account 5. Credit Union access: Credit Union point/ collectors closed – people.

Bestwood Advice Centre – skills to manage Christians Against Poverty Often people with Smartphones so can access banking online Jam Jar accounts – Housing Association’s/ Credit Union Post Office in Green St, City Centre, offering current accounts as a pilot x2 free ATMs (Landas on Andover Road and the Coop), plus in post office Landas has ATM where you can get just £5 out

1. Credit union/ banking presence Credit Union presence Bestwood needs a bank or a credit union branch. Mobile bank such as in rural areas. Post office pilot current accounts can be opened in Queen St, City Centre and 2 Worral Avenue, Arnold (near the Job Centre where many Bestwood residents sign on) – need to increase awareness Some banks offer current accounts which allow transactions at Post Offices, help open accounts online with clients and show what to do at the post office. More free ATMs – from major accounts 2. Financial capability – knowledge, skills, confidence, awareness, in banking Money Matters More financial education from school/ parents Financial capability education for parents Online banking courses at Barclays bank Help increase confidence to use banks Raise awareness on the risks of keeping money at home/ paid into a partners account Stop door step lending – educate! Publication for the elderly

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Used this for Xmas savings etc Publicity/ access to services eg credit union

Newsletter/ better publicity of banking options eg Basic Bank Accounts* - current provision is not enough Incentivise to have banks?/ to pay by Direct Debit 3. Internet banking Public access computers for online banking in community buildings (in addition to libraries) – could also be used for online benefit applications/ changes* Training on site. Should not do online banking via public internet connection* 4. School saving accounts

Savings Accounts in school for children – eg 20p a week

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SECTION 5. SUPPORTING SAVING a) Needs b) What’s already in place c) What

1. Income: No earnings/ jobs/ low earning/ zero hours contracts High cost of working No spare cash! 2. Access to a savings facility: No ID to get a bank account Open a separate account for bills Credit Union – sets up, starts, stops Bankrupt/ IVA/ CCJs Small savings add up 3. Financial capability: Lack of knowledge Lack of budgeting knowledge No teaching to children about money management Money being spent on drugs and alcohol Massive cannabis problems in Bestwood Culture of spend not save Wrong attitude – ‘why save when you can get it on credit’ 4. Personal circumstance: Domestic abuse (control of finances)

Credit Union – no local branch Supermarket saving stamps Double up vouchers – Tesco Secondary school – financial awareness programme Courses around money management Post office accounts, various Christmas accounts

1. Local saving facility Credit union/ local savings group: - community coop for saving if NCU cannot provide - could be mobile/ the sooner the better, it did work in schools 2. Development of matched or incentivised

saving scheme Matched funding saving scheme Incentivised saving or matched saving for people on low incomes 3. Supporting children’s saving Support with schools saving schemes Get children used to saving 4. Maximising income Income maximisation/ benefit checks 5. Dealing with debt Access resources to deal with debt 6. Financial capability with saving Mindset/ awareness Parents to access finance training locally Teaching budgeting skills Identifying what you spend your money on, apart from bills (comes in with budgeting) Include saving in budget plans Educating young people Education! Education! Education

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SECTION 6. FINANCIAL CAPABILITY a) Needs

b) What’s already in place c) What needs to be put in place

1. Skills, Understanding, Confidence with money Lack of understanding* Literacy/ Numeracy/ Capability skills* Bills piling up – ignore problem* Language barriers, and confidence and ability to advocate Lack of confidence 2. Barriers arising from personal circumstances Isolation Drug and Alcohol* Domestic abuse Mental Health* Disabilities Direct Payments High unemployment* 3. Financial capability needs of different age groups Older people not using banks/ bank cards – money under bed* There is not enough education for young people* 4. Bank accounts access Basic bank account restrictions – paying bills 5. Joint working by services Agencies working stand alone and still not together 6. Accessibility of services Officers need to move, not stay in centres! No bus route/ access

Bestwood Advice Centre Money management courses - Money Matters (BAC) - Transforming Notts Together Course - Family Community Team (tracking) - Christians Against Poverty Financial capability now part of Secondary curriculum as of September 14 Bestwood Directions – Working Links ILC (NCH) – filling in forms, claiming benefits Welfare Rights Advice Community Courses – New College Nottingham Tenancy Support Officers, NCH Family Support Workers in Schools for the past 10 years!

1. Financial capability in schools Education in schools and colleges for children so they value money and can learn to manage it. Should be all schools not school choice Budgeting courses in schools – already in some schools but needs to be in every school. 2. Increased access to financial capability courses Literacy and numeracy skills/ courses for all not just for those on benefits! - and not just day time courses. Take a course at school Online training ie budget planning and including priority spending Free childcare for all courses 3. Access to debt advice (also placed in debt section) Debt advisor back in Children’s Centres Raise awareness of debt earlier before crisis and provide support Bestwood Advice Centre blog 4. Content and style of financial capability work Confidence building Don’t hand hold so much, people to help themselves Recognise that financial capability is about more than budgeting and debt, holistic approach from income and expenditure 5. Joint working Children’s Centres to talk to the schools in the area and vice versa

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SECTION 7. AFFORDABLE FOOD a) Needs b) What is already in place c) What needs to be put in place

1. Access to inexpensive food shops – transport and internet:

Having to use local shops instead of supermarkets due to lack of transport Stay away from the Coop! Lack of options to shop cheaper ie the internet No access to the internet Don’t realise they have access to internet through smartphones Internet access – payment options – links back to banking issues 2. Growing own food:

Lack of fresh fruit/ veg/ meat Fruit and veg boxes Grow your own Awareness of growing your own veg No allotments 3. Cooking skills: Buy convenience food – easier and hectic lifestyles Easy to have take-aways so no effort for cooking Lack of cooking, nutrition skills Recycling and cooking food scheme for Bestwood 4. No cooking facilities: No food storage ie fridge freezer Lack of cooking facilities – no cooker, have kettle only You have no working cooker you have to get takeaways 5. No money: No money ! Shoplifting food

Foodbank Community courses for cooking and nutrition Online shopping Free buses (Tesco free bus)/ buses – Andover Road for Tesco bus Shop in reduced section Tesco clubcard vouchers Asda and Morrisons Saving Schemes Supermarket promotions – buy one get one free Aldi is being built

1. Shopping and cooking on a budget support Cooking on a budget classes Shopping on a budget Where and when to get cheap food Community cooking / eating How to use left over food rather than throwing it away! Cooking with leftovers Shopping lists Shopping with a friend – buy one get one fee etc Education in packaging / products Food shopping ‘buddies’ 2. Markets and Food cooperatives Local food market (fruit/ veg) stall Outdoor markets Food cooperative Community café 3. Growing your own options Community allotments with affordable fruit/veg boxes* Allotments and food education facility (old Padstow site) ‘Grow your own’ course – use back gardens! 4. Learning in schools Nutritional education – Early Years up! Education in schools – cooking lessons “Dinner ladies” – cookery lessons 5. Facility for children in school holidays Something put in place to meet gap during school holidays when children’s weight dropping

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6. Spending priorities: Learn/ need to prioritise food over other outgoings Spending more on cigarettes, mobile phones, takeaways than food

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SECTION 8. AFFORDABLE WARMTH/ FUEL POVERTY a) Needs b) What is already in place c) What needs to be put in place

1. Practical assistance with fuel and fuel costs for low income families:

No support for low income families* People stuck on pre-payment meters or wrong tariff Too hard to change from pre-payment meters No discount unless paying by direct debit Using non-efficient heat appliances eg fan heaters: council/ landlords supply these to tenants. Maintaining and service of appliances 2. Education/ Information: Better information Lack of knowledge of affordable warmth schemes (need more information available) Customers often can’t understand bills Customers don’t understand rights and responsibilities Rebates – need greater awareness 3. Comparison and switching ability: No internet access – costly to search for fuel options; those with internet nervous of signing up on-line.* Loyalty to companies and hassle of changing 4. Poverty/ cost and debt: Fuel and general debt Families not putting on the heating as can’t buy food. Is there affordable fuel?

Crisis loans? Rebate? Gas card Electric card Nottingham Energy Partnership Hardship Fund – Base 51 NCC Hardship Schemes Children’s Centres can advise/ signpost. Energy payments in extreme circumstances, make calls. Some suppliers offer discretionary emergency credit Can use cost meters/ smart meters (from Advice Centre) Fuel efficiency in planned – will happen Local advice centres provide fuel advice More free local workshops Ebico Free insulation/solar panels

1. Changes that can lead to reductions in fuel cost

Payment methods such as percentage discounts for Direct Debits

Reduction in fuel costs – also fairer costs eg Key Cards costing more

Tackling the [Poverty Premium] cycle – people in poverty paying more for everything/ low credit history.

Energy cooperative 2. Awareness, education and aids to reduce usage

Education – understanding energy bills/ energy efficiency/ thermostats

Monitors and Meters

Bestwood Advice Centre to set up a Blog 3. Comparison and switching support

Help with comparisons and switching – helping people compare companies and understand pricing, use comparison sites.

4. Saving scheme for pre-payment

Pre-payment meter customers saving so have credit for winter: £1-£2 pw saved ‘in a pot’ in summer to cover winter costs

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5. Energy efficient homes: Lack of fuel efficiency investment in Bestwood so far Landlords not maintaining tenancy home conditions

5. Energy efficient homes Insulation – by housing provider social and private and energy companies

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Appendix 2: Contact details of services Nottingham Credit Union tel 0115 8283121 www.nottinghamcu.co.uk Trading Standards, Nottingham City Council (scams and illegal lending) tel 0115 844 5018 email: trading.standards@nottinghamcity.gov.uk twitter: https://twitter.com/NottmCityTS facebook: www.facebook.com/trading.standards.5 Bestwood Advice Centre tel 0115 962 6519 www.bestwoodadvice.org.uk Welfare Rights Service, Nottingham City Council tel 0115 915 1355 email: welfarerights@nottinghamcity.gov.uk www.nottinghamcity.gov.uk/welfarerights Hardship Support Scheme, Nottingham City Council tel 0115 876 5001 www.nottinghamcity.gov.uk/article/22466/Hardship-Support-Scheme Christians Against Poverty tel 0115 976 0573 Bestwood & Bulwell Foodbank tel 0115 975 1825 email: info@bestwoodbulwell.foodbank.org.uk Fuel Poverty, Bestwood Advice Service tel 0115 962 6519 www.bestwoodadvice.org.uk Money Matters, Bestwood Advice Centre, Money Matters tel 0115 962 6519 www.bestwoodadvice.org.uk Transforming Notts Together tel 07921 387 797 email: anne-marie@ transformingnottstogether.org.uk www.cuf.org.uk/transforming-notts-together

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Appendix 3

‘Sorting Out Money’ How Can We Improve Money Problems In Bestwood?

9am-3pm, Thursday 2nd October 2014

Southglade Access Centre, Southglade Park, Southglade Road, Bestwood, NG5 5GU

PROGRAMME

9am ~ Arrival, registration and refreshments ~ 9.20am

1. Introduction and welcome Aims 9.30am

2. Financial exclusion overview, issues and effects, local data - Emma Bates 10.00am

3. Understanding what’s happening in Bestwood. Identification of issues. [Workshop]

11.15am ~ Coffee/Tea break ~ 11.30am

4. What can local services offer?

- Nottingham Credit Union, Ella Ferris - Illegal Money Lending, NCC, Trading Standards, Fiona Needham

- Bestwood Advice Service/ Debt, Sue Foster - Welfare Rights, NCC ] - NCC Hardship Fund ], Javaid Haider - Church Action on Poverty, Lynne Clarke - Food banks, Bestwood & Bulwell, Nigel Webster - Fuel poverty, Tracey Neal, BAC - Financial capability, Money Matters BAC, Megan Murray - Parents course, Transforming Notts Together, Ann-Marie Ainger 12.50pm ~ Lunch ~ 1.20pm

5. Priorities, Potential solutions and Next Steps for Bestwood [Workshop]

2.50pm Next steps - agreement 3pm 6. Close

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Appendix 4

Participant List

Julia Abbott, Sheltered Housing, NCH

Tracey Atkins, Southglade Children’s Centre

Lori Brookes, Children’s Centre, Southglade Access Centre

Karen Lee Burton, New College Nottingham

Bev Cosgrove, FSW Robin Hood School

Dale Griffin, Neighbourhood Development Officer, NCC

Donna Denning, Bestwood Directions

Dorothy Dexter, Treasurer, Bestwood Advice Centre

Chris Easton, The Church on Rise Park

Simone Ellis, Manager, Southglade Access Centre

Kayleigh Fairholm, Tenancy Sustainment Officer, NCH

Dianne Finnie, Bestwood Park Community Centre and FSW Southglade School

Sharon Fullerton, Bestwood Park Community Centre

Gail Wakefield, Bestwood Park Community Centre

James Fullerton, Bestwood Park Community Centre

Rachel Howard, Family Community Team

PCSO Jordan Hinds, Oxclose Lane Police Station

Trish Henessy, Trading Standards

Patrick Jordan, Trustee, Bestwood Advice Centre

Sam Kandola, FSW Glade Hill School

Donna Long, FSW, Rise Park School

Hannah Lewis, Bestwood Advice Centre

Nicola O’Connor, Bestwood Directions

Ali Oldham, FSW BPTV

Kim Pavier, Chair Bestwood Advice Centre

PC Simon Reid, Oxclose Lane Police Station

Ria Roxburgh, Bestwood Advice Centre

Michaela Spencer, NCH

Michaela Stokes, Lead FSW,Bigwood School

Councillor David Smith, NCC

Speakers/ Participants

Ann-Marie Ainger, Transforming Notts Together

Emma Bates, Financial Inclusion Support

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Lynne Clark, Christians Against Poverty

Ella Ferris, Nottingham Credit Union

Sue Foster, Bestwood Advice Centre

Javaid Haider, Welfare Rights, NCC

Fiona Needham, Trading Standards, NCC

Megan O’Hanlon-Murray, Bestwood Advice Centre

Nigel Webster, Bestwood & Bulwell Food Bank

Emma Bates, Financial Inclusion Support

tel 01332 460466, email emma@financialinclusionsupport.co.uk