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David Burdis

At New Charter Housing, based in Tameside, East Manchester, we strive to support our tenants through challenging financial situations. With 18,000 homes and a workforce of 800, we recognize the financial challenges many tenants face. Our Financial Inclusion Survey revealed critical insights: 7% lack bank accounts, 27% carry long-term debt, and 68% have no savings. We have established dedicated teams for debt advice and welfare benefits, achieving significant gains for our tenants. By promoting partnerships with credit unions and offering tailored support, we aim to empower our community.

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David Burdis

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  1. David Burdis Financial Inclusion Manager

  2. Who are New Charter Housing? • Based in Tameside, East Manchester • 18,000 homes • Located in Oldham and Gedling • Turnover of £90m per annum • Workforce of 800 • We receive £43m pa Housing Benefit

  3. Who are our tenants?

  4. Financial Inclusion Survey • 7% of our tenants do not have bank accounts • 27% have long term debt • 20% of those use doorstep lenders • 68% of our tenants have no savings • 57% know what a credit union is but only 2% use one • 31% use a ppm to pay for fuel • 52% do not have home contents insurance

  5. Financial Inclusion survey cont’d • 19% feel they don’t have enough money to live on • 34% admit to having money worries • 57% do not have internet access

  6. So what have we done?

  7. Debt Advice team • Four advisers dealt with 242 new clients in 2011/12 • Total indebtedness £2.3m • Average debt per case £9509

  8. Welfare Benefits team • Three advisers dealt with 288 new cases in 2011/12 • Overall gains £568,000

  9. Thinking BIG • Information sessions for all staff • Message - Welfare Reform is a problem for everyone not just Revenues • Explore ideas from across the company • Unified approach • SWAT

  10. SWAT • Specialist • Welfare Reform • Advice • Team

  11. SWAT • Tenants whose property is too big and they will be affected by the bedroom tax • Face to face chat about their options • Refer to advice agencies if appropriate • Refer to money skills sessions • Refer to re-lets regarding a swap

  12. SWAT • Early indications are tenants want to stay in their homes and are prepared to find the difference • May prove very difficult when effect of council tax benefit cuts are known

  13. Support alternative credit • Supports the local credit union providing staff and meeting rooms • Encourages tenants and staff to join • Helps to develop financial products with the credit union

  14. Working in partnership

  15. Tough times ahead but….…..everything is achievable

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