We are delighted to be working in partnership with Pioneer Mutual Credit Union and East Renfrewshire Council to provide a free Money Management Account to any tenant who is on or going onto Universal Credit.

Any tenant of East Renfrewshire Council or Barrhead Housing Association who is in receipt of Universal Credit will get their membership fees covered by their respective landlord. This includes the costs to open the Account and also become a member of the credit union and there are no ongoing fees.


Tenants will benefit from getting their housing costs paid directly to their landlord by using this account and will also benefit from a range of Account features, which include:

  • Free Life Savings and Loan Protection*
  • Saving for a rainy day
  • Access to Pioneer Mutual low cost loans*
  • Christmas Savings Club
  • Personal Service
  • All savings protected under FSCS

*subject to conditions


Please contact our staff to find out more, where further information can be found here.



We have developed a leaflet, here, which we hope helps answers some of the questions that you may have about making a claim for Universal Credit and also provides you with some local agencies that you can contact for further advice and support.


7 Day Waiting Period Abolished

From February 2018 anyone making a claim for Universal Credit (UC) will no longer need to serve any waiting days. This means that claimants will be eligible for payment from the first day of the claim. This should reduce the overall waiting time for first payments from 6 weeks to 5 weeks.


Housing Benefit 2 Week Run On – UC claims

From April 2018 anyone who makes a claim for UC and already receive Housing Benefit will continue to receive Housing Benefit for the first two weeks of their UC claim.


Advance Payments – New UC Claims

From January 2018 new UC claimants will be able to access up to 100% of their estimated UC entitlement. This will be in the form of an advanced payment (loan) including housing costs.  If you decide to ask for an advance which includes your housing costs you will be required to repay all of this amount over the next 12 months of your claim.


Roll out of Universal Credit – Slow Down

East Renfrewshire will now become a full service area in September 2018. The roll out of UC has been implemented by the DWP to try and resolve some of the ongoing issues that live service areas are facing before UC is opened up to everyone making a new claim for benefits.


What is Universal Credit (UC)?


How to Claim UC


Universal Credit – all you need to know – video


Universal Credit and Tax Credits


Universal Credit and other benefits



Universal Credit – how to manage your money



Universal Credit Money Manager



How to claim as a couple



Tax Credits Debt and Universal Credit–2#paying-back-tax-credits-debt-through-universal-credit




Data Protection Act 2018 - The information you have supplied to us will be used by Barrhead Housing Association to process your enquiry or comments. We may also use your information to verify your identity where required, contact you by post, email or telephone and to maintain our records. Barrhead Housing Association will use this information because we need to do so to perform a task carried out. You can find out more about how we handle this information and your rights in respect of it by going to where our Data Protection Statement and Privacy Policy are available. If you do not have access to a computer and wish a paper copy please let us know by contacting us at or by telephone at 0141 881 0638.