You may be directed to other sources of help or other agencies for advice and assistance.
If applicable, your application will be assessed against the scheme criteria, taking into account your personal circumstances, the urgency of the need, how the crisis occurred and the level of risk to your (or your dependants) health and safety. You will be asked to provide evidence of residency, personal ID and may also be asked to provide evidence of your need and/or personal resources. You will also need to complete a Credit union membership form – all documents will need to be taken to Dudley Council Plus, Castle Street, Dudley or your nearest Dudley Council Plus Local reception point at either Brierley Hill, Halesowen & Stourbridge town centre libraries.
Your ability to repay a loan will be assessed.
Once the assessment is complete you will be given a decision, this may be a decision to refer you to the Castle & Crystal Credit Union for a low cost repayable loan. If a loan is not an option, you will be given advice and assistance on other forms of help available.
If a successful loan referral is made you will be invited to attend the Castle & Crystal Credit Union to open an account and complete a loan application.
If you require any further information regarding this scheme or are unsure if you would meet the criteria please contact the Local Welfare Assistance Loan Team on 01384 813510.