Financial Inclusion

People experiencing financial distress, particularly those on low incomes, are often reluctant to talk about their problems or seek help. And the complexity of different financial products and the benefits system often makes the idea of finding a solution seem impossible.

Transformation Cornwall are working with partners across the county to highlight Cornish and national financial inclusion work. Below are some of the organisations, services, resources and reading. Please contact us at if you would like to add to the below:

  • Cornwall Council / Kernow Credit Union: Credit unions are for everybody – both savers and borrowers. You don’t have to be employed or have a bank account to join. Members make regular savings, which can be as much or as little as you want. Cornwall Council works with Kernow Credit Union, which operates across the whole of Cornwall. Click HERE to find out more.
  • Christians Against Poverty (CAP): CAP aim to release people from poverty through debt counselling and community groups. CAP offers courses and resources for churches looking to engage with issues of financial poverty.
  • Turn 2 Us: Turn2us is a national charity helping people when times get tough. Their website provides a comprehensive benefits checker, grant database and list information and help around finance.
  • StepChange: Debt Charity: Provide free, confidential and expert debt advice and money guidance. StepChange recommend the best solution or service for your individual circumstances and support their customers while they deal with their money worries, for as long as you need their help. StepChange also campaign to reduce the risk of problem debt and the harm it causes.
  • Money Advice Service: A national organisation providing free and impartial money advice, set up by government. The Money Advice Service provide advice and guides to help improve your finances; tools and calculators to help keep track and plan ahead;and support over the phone and online.
  • National Debt Line: Open and ready to help you - services include an online tool to get debt help; webchat with a specialist advisor Mon to Fri 9am - 8pm and Sat 9:30 am - 1pm) or advice by email. National Debt Line also have a 'Coronavirus hub' with the latest information and advice on the help available.
  • Just Finance Foundation: The Just Finance Foundation has a vision of a fair financial system and addresses the issues of financial exclusion, distress caused by unmanageable money worries and debt, and the lack of practical knowledge around budgeting, saving and spending. They offer three training courses for churches and individuals looking to address these issues.


  • No One Left Behind: Making debt support work for people on Universal Credit. Published in November 2020 this report focused on The Government’s 'Breathing Space Scheme', which halted enforcement action from creditors and interest on repayments frozen for people with problem debt for 60 days while people received professional debt advice to find a long-term solution to their financial difficulties. The report calls for government loans, such as Advance Payments for Universal Credit claimants, to be included in the Breathing Space Scheme from the outset.
  • More than Just Credit?: The experience of Credit Unions building financial resilience in communities. A report by the Just Finance Foundation and the research and policy team at Church Urban Fund.
Universal Credit TN Briefing Web

Church Urban Fund. 'Universal Credit – Everything you need to know':

  • The Research and Policy Team at the Church Urban Fund has produced a new easily understandable guide called: ‘Universal Credit: Everything You Need to Know’. The guide quickly explains what the new benefits system is, who it’s for, and how to support someone applying for it.