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Bell Farm Christian Centre

Bell Farm Church is a small, friendly and lively Fellowship that meets at Bell Farm Christian Centre, in the heart of the Bell Farm Estate in West Drayton. The Church meets each Sunday morning at 10.30 for worship and teaching, which is informal.
Each Tuesday there is an Older Persons Lunch and Social Club  where  you can enjoy a traditional home cooked dinner and activities such as art classes, clothing shows and outings.

The Advice, Information and Care Service provides, information, advice, advocacy and support to members of the local community who have issues concerning:  housing, benefits, consumer affairs, debt, hate crime, domestic violence etc.  The work includes partnerships with other organisations that are able to provide information, advice and advocacy on specific issues.

 

 

Address:
Bell Farm Christian Centre, South Road, West Drayton, Middlesex, UB7 9LW
Umbrella org:
Social Clubs
Contact name:
Diane Faichney
Job title:
Interim Centre Director
Telephone:
01895 444 406
Fax:
01895 438 036
Website:
Opening times:
Tuesday 11.00am – 3.30pm
Disabled access:
Yes
Childcare:
No
How to apply:
01895 444406
Buses:
222 U5
Parking:
Yes
Sector:
Voluntary

Related Information

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Subject Definitions

You may be entitled to receive benefits if you are on a low income or have certain costs to meet because of your personal situation. Check if any of the following apply to you. You're on a low income (employed or looking for work). You have dependent children. You're ill or disabled. You're caring for someone. You're aged 60 or over. You have been bereaved. You're pregnant or have recently had a baby. You can check whether you may qualify to receive financial or other support by contacting a benefits adviser service or by reading the attached fact sheets
Lots of people are in debt these days for all sorts of reasons. Don’t ignore the problem, it won’t go away and the longer you leave it the worse it will get. Don’t borrow money to pay off your debt without thinking about it carefully, always get advice first, if you own your home this kind of borrowing could put it at risk. Follow these steps and they will help you work out your personal budget, prioritise your debts and tackle the problem.
Step 1 – Working out your income. Work out all the money you have coming in so you know just how much you have to spend in total. Look at ways to increase your income, check you are receiving all the benefits you may be entitled to, are you on the right tax code? are you covered by payment protection insurance on any of your loans? or are there other ways of increasing your income? for example letting a spare room out to a lodger (this may affect your benefits or your tax position, please check first).
Step 2 – Work out your outgoings. Work out all your regular outgoings (other than your debts). Look at ways to reduce your outgoings, are you paying bills that no longer apply, for example insurance policies for equipment you no longer own or a TV and phone package that no longer meets your needs. Are you making regular payments to charities or social groups that you can no longer afford? Be careful, if you under estimate your outgoings you may find it difficult to stick to a long-term repayment plan. This could lead to greater difficulties.

Step 3 – Work out the money left over. If you take your outgoings away from your income you will be left with how much money you can offer your creditors.

Step 4 – Which debts to pay first – Your “Priority” debts. Some debts are more important than others. The law gives different creditors different ways of getting their money back. If you don’t act quickly, some creditors could take away your home, cut off your gas or electricity supply, send the bailiffs to take furniture from your home or ask the courts to send you to prison. One way to decide if a debt is a priority is to think about the affect not paying would have on you, for example if you don’t pay your telephone bill you will be cut off, this may not have a big affect on your life style, but if you are housebound and it is your only way to contact help and/or support in an emergency, it would be a priority (Contact National Debtline for more details on priority debts). Contact each of the priority creditors explain your difficulties and make them a realistic offer, send them a copy of your personal budget.

Step 5 – How much is left over. After dealing with your priority debts any money left over can be offered to your non-priority or credit debts, this includes banks, catalogues, credit-cards etc.

Step 6 – How to deal with credit debts.
Work out payments on a ‘pro-rata’ basis; remember to ask them to freeze the interest on your accounts. If there is nothing left, still write to them showing your personal budget to back this up and ask them to hold action until your circumstances improves; you may be able to offer a token payment of £1 per month.
If you are having difficulties dealing with debt problems, you should seek specialist advice. Before seeing an advisor about money issues, it is useful to make a complete list of your debts and work out your income and expenditure as detailed above in steps 1 and 2.
Advice for people with housing enquiries.For example,if they are moving property,are waiting to be allocated a local authority property or feel that they are living in sub-standard accomodation.
Lunch Clubs are available to elderly people where they can eat a cut price healthy meal aswell as socialise with other people who attend,who may feel isolated and in need of company.Other activities may also take place at these clubs,so look further to find any local clubs of interest.