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.

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

Email the Act On Energy team at advice@actonenergy.org.uk

Visit the Act On Energy website.

Severn Trent

Severn Trent's Big Difference Scheme offers a reduction of water bills to any Severn Trent customer with a household income below ÂŁ23,492.

Households with child dependents may be eligible for an additional income allowance in excess of this amount. 

The scheme will access your household income when you apply, and that assessment will determine your eligibility. They may also take into consideration personal savings as part of the assessment. 

If your application is successful, you'll get a new payment plan. The Big Difference Scheme will design a tailored plan for you which will include payments towards any outstanding debt on your account. 

The scheme runs for 12 months at a time. At the end of the term you will need to reapply. For more information and to apply, visit the Severn Trent website

Cold weather payments

You may be eligible for cold weather payments if you receive benefits or support for mortgage interest. 

If you’re eligible, you’ll receive 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 payment.

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 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 visit Warwickshire County Council website

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 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 about 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.

Affordable loans

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

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.

Benn Partnership Centre Work Club:

Support includes CV writing, help with job searching, and help with job applications. Computers and WIFI is available. Visit the Benn Partnership Centre website

Address: Benn Partnership Centre, Railway Terrace, Rugby, CV21 3HR.

New Bilton Community Association: 

A welcoming space for friendship, board games, a hot drink and community support. Get help with writing CV's, searching for jobs, and completing job applications. Access to computers and WIFI is available. 

Drop-in to Quaker Meeting House, 28 Regent Place, Rugby, CV21 2PN from 1pm to 5pm every Wednesday. 

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 computer skills.

Visit the Brownsover Community Association website.

Hillmorton Hub at Rogers Hall:

Get help with writing your CV, the weekly drop-in session from 10am to 12pm also offers friendship, refreshments, drafting and community support. 

Visit the Hillmorton Hub website

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.

Furnish your home

Rugby Bareboards Trust

Rugby 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.

Armed forces or ex-forces personnel

Royal British Legion logo

The 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 logo

SSAFA, 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 on the SSAFA website.

Support for young people

Barnardo's logo

Barnardo's Children and Family Centre's Rugby 

Offers a wide range of activities for children and families, including sessions for babies, toddlers and children aged up to 13, as well as children with additional needs. 

See where these sessions are held on Bernardo's website.

On Track in the community

Offers activities from arts and crafts, table tennis, cookery, personal development and volunteering opportunities for young people. Different youth clubs take place across Rugby, learn more

Family Information Service 

Helps Warwickshire families access appropriate support for them, such as childcare. special educational needs and disabilities, money support such as household debt and benefits and much more. 

Contact the Family Information Service by email fis@warwickshire.gov.uk or call 0800 408 1558 or 01926 742 274.

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.

View details of the government energy scheme.

Other useful information

Cost of Living Warwickshire

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.

Benefits calculator

Use our benefits calculator to see if you are eligible for any benefits. It only takes 10 minutes, before you start make sure you have information to hand about savings, income, pensions and existing benefits.