Debt Support

Debt can affect anyone. Whether it's credit cards, loans, rent arrears, or utility bills, financial pressure can feel overwhelming. But free, confidential help is available, and you don’t have to face it alone.

Understanding your situation

Before you take action, it's important to:

List all your debts – include amounts, due dates, and who you owe.
Prioritise – rent, mortgage, council tax, and energy bills are considered priority debts.
Review your income and spending – this helps identify what you can afford to repay

You can use MoneyHelper budget calculator to do this.

We have partnered with Community Money Advice to provide you with a free, priority debt advice service. You can contact them directly on 0191 303 7514 or email: office@moneyadvicedurham.org.uk

Community Money Advice Money Helper Budget planner

We work in partnership with Citizens Advice Durham who provide free, confidential and impartial advice. Their goal is to help everyone find a way forward, whatever problem they face.

You may have money, benefit, housing or employment problems. You may be facing a crisis, or just considering your options. If you would like to know more about our partnership, request Money Support.

Request Money Support Citizens Advice Durham

Need support?

If debts are stopping you from making your rent payments, please contact us so we can talk about how we can help you.

Request money support

How do I apply for a Livin home or bungalow?

We advertise all of our available homes on our Find A Home page, simply visit this page for more information.

Before you can place a bid on one of our homes, you must first have an active account with the relevant Choice Based Lettings Scheme. Almost all our homes are located in County Durham and therefore are allocated through the Durham Key Options scheme. Durham Key Options (DKO) is a partnership between Durham County Council and landlords across County Durham.

We have a small number of homes which are located outside Durham, these are all advertised through Tees Valley HomeFinder, Hartlepool HomeSearch and Darlington HomeSearch; They are similar to Durham Key Options but we do not process applications registered for these schemes. If you wish to register an application for homes advertised in this area, please apply directly.

Once your application is approved, you will then be able to bid on homes that meet your needs. You can access the application form directly by visiting the relevant Choice Based Lettings system.

How long will it take for my application to be processed?

We aim to start processing your application within 10 working days. If we require any further information after this point, we will contact you to ask for this. Once we have received all the required information we will notify you of our decision within 20 days, and if accepted we will activate your account. You can also check your application status online by logging into the DKO portal.

How can I get involved with Livin and help to shape services?

To find out more about the different ways you can get involved, please visit our getting involved section.

Can I apply to buy my home under Right to Buy?

Tenants who have been with Livin since before the transfer from Sedgefield Council in 2009 may have the “Preserved Right to Buy” their property. Full details of the scheme are available on the Government Right to Buy website. If you are thinking of applying, please contact us.

Can I apply to buy my home under Right to Acquire?

If you have been a tenant for 3 or more years you may have the right to buy your property under the Right to Acquire scheme. Full details of the scheme are available on the Government Right to Acquire website. If you are thinking of applying, please contact us.