Torus services: We are continue to experience a high demand for repairs, resulting in longer waiting times for non-emergency repairs.  We are working hard to fix this, apologise for any inconvenience and thank you for your patience.

Duplicate Rents issue (17 May): Post Office, PayPoint & online secure Internet rent payers - we are here to help if you are struggling find out more here

Homes for Ukraine Scheme: Information for Torus customers considering offering a room in your home to a Ukrainian refugee – more.


Benefits and Money Advice

Borrowing money

No matter how tempting it might be to take money from a doorstep lender or pay day loans company, think first. Everyday thousands of people are bitten by unscrupulous lenders charging huge interest rates. If you're not careful, what seems like a easy, quick fix can quickly turn into an even even more difficult problem.

If you really need to borrow money, it’s better to choose a responsible organisation that specialises in affordable loans for people on low incomes who might otherwise struggle to get credit. Credit Unions are ideal.

Credit Unions are community led and offer a variety of different services for saving and borrowing.

Find your local Credit Union here.

Your local Credit Unions

St Helens Credit Unions

Warrington Credit Unions

  • North East Warrington Credit Union (NEWCU) - Fearnhead
  • Fairfield, Howley & Latchford Credit Union - Howley
  • Sankey Brook Credit Union - Liverpool Road
  • Warrington Credit Union - Westy

Warrington Credit Unions

Liverpool Credit Unions

Torus Foundation

You can also get help from the Torus Foundation Financial Inclusion Team can also provide information on who can help support you with benefit / grant applications, help you manage your money or signpost you to organisations who can help. Call them on 0300 123 5809, email or use the online form. Find more information and support on the Torus Foundation website.

Don’t get bitten by a Loan Shark

A small loan from an illegal loan shark can quickly lead to massive repayments. For support, call Stop Loan Shark’s 24/7 helpline on 0300 555 2222 or visit

If you are struggling to pay your rent, please get in touch:

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