Hi NY
 
 This is a complicated area. Fortunately Housing Associations usually have a Financial Inclusion officer or if not called, that a Tenancy Support officer. It would be best to ask advice there, where the Housing Association would have experience of similar queries  from their tenant base.
 
 Hope this helps.
 David			
  							 					
 					Nothing on this board constitutes legal advice - always consult a professional about specific problems