Energy and water bills

AOE logo

 

If you're struggling to pay your energy bills, Act On Energy offers free and impartial advice to householders and small businesses.

Act On Energy can check whether you qualify for grant support and offer advice on how to cut your energy bills and keep your home warm.

You can call Act On Energy from 9am to 5pm, Monday to Friday, on the freephone advice line: 0800 988 2881.

You can also email the Act On Energy team at advice@actonenergy.org.uk

Visit the Act On Energy website

Severn Trent

Severn Trent has increased its support for customers on low incomes struggling to pay water bills with the launch of a ÂŁ30 million fund.

The Big Difference Scheme offers a discount of up to 90 per cent for any Severn Trent customer with a household income of below ÂŁ18,278.

You can apply online and should your application be approved, you'll receive a new, personalised payment plan, which includes payments towards any debt on your account.

Severn Trent also has a number of other schemes to support customers struggling with water bills.

Visit the Severn Trent website for more information and to apply for the Big Difference Scheme

Cold weather payments

You may get cold weather payments if you’re getting certain benefits or support for mortgage interest. 

If you’re eligible, you’ll get these payments automatically. You do not need to apply, but you may need to tell Jobcentre Plus if you have a baby or if a child under 5 comes to live with you.

The payments do not affect your other benefits.

You’ll get a payment if the average temperature in your area is recorded as, or forecast to be, zero degrees celsius or below over 7 consecutive days.

You’ll get ÂŁ25 for each 7-day period of very cold weather between 1 November 2025 and 31 March 2026. Find out more about cold weather payments.

Pension credit and winter fuel payments

Pension credit is payable to anyone of State Pension age (aged 66 years or older) who is on a low income. Find out more about the Pension Credit and winter fuel payments.

Warm Home discounts

The Warm Home discount scheme is a one-off ÂŁ150 discount off your electricity bill.

If you’re eligible, your electricity supplier will apply the discount to your bill. The money is not paid to you.

You’ll usually get the discount automatically if you’re eligible.

You may be able to get the discount on your gas bill instead if your supplier provides you with both gas and electricity and you’re eligible. Contact your supplier to find out. Learn more about Warm Home discounts.

Local welfare scheme

Vouchers towards utility bills are available for eligible households using pre-payment meters, paying by direct debit or on receipt of bill. Funding is available from 1 April 2025 to 31 March 2026.  

 Call the Local Welfare Scheme on 0800 408 1448 or 0192 635 9182 in confidence. For more information see warwickshire.gov.uk/localwelfarescheme.

Rugby Foodbank

Rugby Foodbank logo

Rugby Foodbank provides three day emergency food parcels for residents struggling to put food on the table.

Food parcels contain nutritionally balanced, tinned and dried foods which can be adapted to suit dietary needs, such as gluten intolerant or allergies.

Usually, the foodbank can also provide additional items for babies, such as nappies and baby food.

Rugby Foodbank operates a referral scheme, working with a wide range of care professionals who issue foodbank vouchers to people in need. Care professionals partnered with Rugby Foodbank include doctors, health visitors, social workers and Rugby Citizens Advice.

You can contact Rugby Foodbank by calling 0755 768 0019 or sending an email to info@rugby.foodbank.org.uk 

Visit the Rugby Foodbank website

Free school meals

Low-income families receiving a qualifying benefit, such as Income Support or Universal Credit, can apply for free school meals for children during term-time.

Warwickshire County Council administers the free school meals scheme and you can check your eligibility and apply online.

Visit the Warwickshire County Council website

Debt and money advice

Citizens Advice logo

Rugby Citizens Advice offers free, impartial advice on a wide range of issues, including debt and money problems.

Support includes help in securing a debt management plan, advice on managing mortgage or rent arrears, and guidance on budgeting.

If you have multiple debt issues, Rugby Citizens Advice also offers a specialised casework service.

Call Rugby Citizens Advice freephone Monday to Friday from 9am to 3:30pm on 0808 250 5715. They also offer drop-ins on Monday, Tuesday and Wednesday from 10am to 2pm. 

Email adviser@brancab.org.uk or visit the Rugby Citizens Advice office at Chestnut House, 32 North Street, Rugby, CV21 2AG (entrance via North Street car park) for support.

Learn more at Rugby Citizens Advice.

CAP

Christians Against Poverty (CAP) offers a range of free services to help tackle debt.

CAP's Rugby Debt Centre, run in partnership with Bilton Evangelical Church, can provide practical and emotional support to help you deal with debt.

You can call CAP's Rugby Debt Centre on 0800 328 0006.

Visit the Christians Against Poverty website or email rugby@capuk.org.

 

Money Wellness is commissioned by the money and pensions service to provide benefits assessment and financial support.

Visit the Money Wellness website or call Money Wellness on 0800 011 4231.

Access to affordable loans at Clockwise Credit Union

 

  • Not for profit organisation
  • Money is reinvested into the local community 
  • Borrow from ÂŁ50 to ÂŁ10,000
  • Flexible payments - repay weekly, fortnightly or monthly by debit card, standing order of from your benefits. Repay over a maximum of five years

Call Clockwise Credit Union Monday to Friday from 9:30am to 4pm on 0330 175 5792 or visit their website

Support to find work and advice on benefits

Rugby JobCentre Plus

Offers support and advice on finding a job, and also offers support to claim the benefits you're entitled to, such as Jobseeker's Allowance, Incapacity Benefit, Employment and Support Allowance, and Income Support.

You can visit Rugby JobCentre Plus Monday to Friday from 9am to 5pm at Kingsforth House, Albert Street, Rugby, CV21 2TD.

Call Rugby JobCentre Plus on 0845 604 3719.

Job clubs

A number of job clubs in the borough can offer advice and support to help you find work.

Work Club at the Benn Partnership Centre:

Work Club meets on Mondays and Fridays from 10am to 1pm, and on Thursdays from 12 noon to 3pm, at the centre in Railway Terrace, Rugby, CV21 3HR.

Work Club can help you write a CV, gain professional qualifications and improve your digital skills. To make an appointment to register with Work Club, call (01788) 553033. Visit the Benn Partnership Centre website for more information.

Brownsover Buddy Club:

Run by Brownsover Community Association, the Buddy Club offers advice and support to help you find a job, and can also help you with issues which require internet access or computer skills.

Visit the Brownsover Community Association website for more information.

New Bilton Community Association Job Club: 

The association's Job Club offers drop-in sessions at the Quaker Meeting House, 28 Regent Place, Rugby, CV21 2PN from 1pm each Wednesday.

Christians Against Poverty Job Club:

Run in partnership with RCCG Harvest Fellowship. Email Stephen Hayden for more information: stephenhayden@capjobclubs.org

Cheaper broadband and phone packages

A number of telephone and broadband providers offer 'social tariffs' - often referred to as 'basic' or 'essential' packages - for customers who claim Universal Credit, Pension Credit and other benefits.

Ofcom publishes information on its website about the current social tariffs on offer, together with a step-by-step guide on how to switch provider if you want to move to a cheaper package.

Visit the Ofcom website for more information on social tariffs

Help to furnish your home

Rugby Bareboards TrustRugby Bareboards Trust collects good quality, unwanted furniture to help furnish the homes of residents on low-incomes or in receipt of benefits.

The charity distributes furniture, soft furnishings, kitchenware, electrical appliances, gardening equipment and household items.

The trust checks and tests all items before distributing to residents in need. You can be referred to the trust by support services or contact the trust directly.

A small donation may be requested.

You can call Rugby Bareboards Trust, based at 36 Warren Road, Rugby, CV22 5LG, on (01788) 547358.

Visit the Rugby Bareboards Trust website

Support for armed forces or ex-forces personnel

Royal British Legion logoThe Royal British Legion provides financial and emotional support for serving members of the armed forces, ex-forces personnel and their families.

Whether you need help with debt or a financial emergency, support to apply for grants or expert advice on claiming compensation for an injury, the Royal British Legion can help.

You can find out more information and contact the Legion via its website.

Visit the Royal British Legion website

SSAFA logoSSAFA, the armed forces charity, also offers support to serving members of the armed forces, ex-forces personnel and their families.

The charity offers advice on managing personal income, expenditure and debts, help with housing issues and can help you access vital domestic goods. SSAFA can also help with disability support, mental wellbeing and health care.

You can find out more information and contact SSAFA by visiting the charity's website.

Visit the SSAFA website

 

 

 

Support for young people

Barnardo's logoBarnardo's offers practical and emotional support for young people leaving care, homeless young people or those at risk of homelessness.

The charity can help young people gain the skills needed to enter the world of work, offering training, career advice, practical support to apply for jobs and an apprenticeship programme.

Barnardo's also offers a wide range of support for young carers, young people affected by domestic abuse or alcohol and substance abuse, and young people experiencing mental ill health.

You can find out more information and contact Barnardo's through the charity's website.

Visit the Barnardo's website

 

Help for businesses

Businesses struggling with rising costs can access support and advice including how to reduce energy costs and access funding. 

In addition, the government has announced a new energy scheme for non-domestic customers. All eligible non-domestic customers will receive a discount on energy bills until the end of March 2024.

 

Other useful information

Warwickshire services are working together to help people find the information they need to manage increased household costs. This is a difficult time for many people and finding direct support can be hard. National and local links to services are listed on their page as well as information on related topics.

Visit the Cost of Living Warwickshire website