• We provide free, tailored advice and support to disabled people, older people, and those with long-term health conditions to improve financial stability and access essential benefits
  • Help you understand and manage non-regulated debts, including council tax arrears, rent arrears and water charge arrears.
  • Support with budgeting and taking control of your finances.
  • Assistance with council tax debt and applying for Council Tax Reduction.
  • Guidance on water debt and applications to the United Utilities Trust Fund.
  • Help to access eligible grants and charitable donations.
  • Assistance with opening or accessing a bank account to improve financial inclusion.
  • Ensure you are receiving the correct benefits and support with new claims.
  • Complete benefit entitlement checks to maximize income.
  • Support challenging incorrect decisions.
  • Guidance on accessing funding and charitable support where available.
  • Assistance with online Universal Credit portal navigation.
  • Support with Discretionary Housing Payments, Child Benefit applications, Sure Start Maternity Grants, and Emergency Support Applications.
  • Help with Personal Independence Payment (PIP) and Disability Living Allowance (DLA) forms.

MHDA has extensive experience supporting people with non-regulated debt, including council tax arrears, rent arrears and water charge arrears.

Through the eighteen plus years of supporting people in Knowsley, we have achieved great outcomes for clients.

Privacy policy

Privacy Policy

Merseyside Housing and Debt Advice CIC (MHDA) is committed to protecting your privacy and handling your personal information responsibly.

This privacy policy explains what information we collect, why we collect it, how we use it and the rights you have over your personal information.

Who we are

Merseyside Housing and Debt Advice CIC provides free, confidential and impartial housing, debt and benefits advice.

For the purposes of UK data protection law, Merseyside Housing and Debt Advice CIC is the data controller for the personal information we collect and use.

If you have any questions about this policy or how we use your information, please contact us:

Merseyside Housing and Debt Advice CIC
155 Rowan Drive
Liverpool
L32 0SG

Email: admin@mhda.co.uk

Information we may collect

The information we collect will depend on the support you require. It may include:

In some cases, the information required to help you may include more sensitive personal information, such as information about your health, disability or other circumstances affecting your support needs.

We will only collect information that is relevant to providing the service or meeting our legal and regulatory responsibilities.

How we collect your information

We may receive personal information:

Why we use your information

We may use your personal information to:

Our lawful basis for using your information

We only process personal information where we have a lawful basis to do so under UK data protection law.

Depending on the circumstances, this may include:

Where we need to process special category information, such as information concerning your health, we will ensure that an appropriate additional condition for processing that information applies.

Where we rely on your consent, you can withdraw that consent at any time. This will not affect any processing that took place before consent was withdrawn.

Sharing your information

We do not sell your personal information.

We may share information where this is necessary to provide advice or support, where you have asked or authorised us to do so, or where we have another lawful reason.

Depending on your circumstances, this could include organisations such as:

We will only share information that is necessary for the purpose concerned.

There may also be circumstances where we are required to disclose information by law or where disclosure is necessary to protect someone from serious harm.

Professional referrals

Professionals referring a client to MHDA must ensure that the client has been informed of the referral and that the appropriate consent has been obtained before personal information is sent to us.

Our website referral facility is intended for self-referrals. Professional referrals should be made using the appropriate referral and consent process.

How we protect your information

We take appropriate organisational and technical measures to protect personal information against unauthorised access, loss, misuse, alteration or disclosure.

Access to personal information is restricted to people who need it for their role or to provide the relevant service.

How long we keep your information

We only keep personal information for as long as it is reasonably necessary for the purpose for which it was collected and to meet any legal, regulatory, contractual or funding requirements that apply to us.

Different types of information may therefore be retained for different periods.

When information is no longer required, it will be securely deleted or disposed of in accordance with our data retention procedures.

Your data protection rights

Depending on the circumstances, you may have the right to:

Not all of these rights apply in every situation.

If you would like to exercise any of your rights, please contact us at admin@mhda.co.uk.

We may need to confirm your identity before responding to a request.

Complaints

If you have concerns about how we have handled your personal information, please contact us first so that we can try to resolve the matter.

You also have the right to complain to the Information Commissioner's Office (ICO), the UK's data protection regulator.

Further information about your rights and how to make a complaint is available from the ICO.

Changes to this policy

We may update this privacy policy from time to time to reflect changes to our services, legal requirements or the way we use personal information.

Last updated: August 2026

Cookie policy

Cookie Policy

This Cookie Policy explains how Merseyside Housing and Debt Advice CIC (MHDA) uses cookies on our website.

What are cookies?

Cookies are small text files stored on your computer, phone or other device when you visit a website. They can help websites function correctly and provide information about how a website is being used.

How we use cookies

Our website uses essential cookies required for the website to function and, with your permission, analytics cookies provided by Google Analytics.

Essential cookies

Essential cookies are used where necessary for the operation and security of our website, including remembering your cookie preferences.

These cookies do not require your consent because they are necessary for the website to operate correctly.

Google Analytics

We use Google Analytics to help us understand how visitors use our website. This can provide information such as which pages are visited, how visitors navigate through the website and general information about website usage.

The information helps us understand how our website is being used and where we can improve it.

Google Analytics cookies are not essential to the operation of our website. We will therefore only use Google Analytics cookies where you have given us permission to do so through our cookie consent settings.

If you reject analytics cookies, you can continue to use the website normally and Google Analytics will not be enabled.

Cookies used by Google Analytics

Google Analytics may use cookies including:

_ga
Used to distinguish website visitors. This cookie normally lasts for up to 2 years.

ga[ID]
Used by Google Analytics to maintain information about a visitor's session. This cookie normally lasts for up to 2 years.

The exact cookies used may change if Google updates its Analytics service.

Your cookie choices

When you first visit our website, you can choose whether to allow analytics cookies.

You can:

Essential cookies required for the website to function cannot be disabled through our cookie consent system.

You can also delete cookies using your web browser settings.

Google Analytics and your information

Google Analytics is provided by Google. Information collected through Google Analytics is processed in accordance with Google's privacy and data protection arrangements.

For more information about how we handle personal information generally, please see our Privacy Policy.

Changes to this Cookie Policy

We may update this Cookie Policy if the cookies or technologies used by our website change.

Last updated: August 2026

Contact us

If you have any questions about our use of cookies, please contact:

Merseyside Housing and Debt Advice CIC (MHDA)
Email: admin@mhda.co.uk

Cookie choices

Necessary cookies are always active because the website cannot function correctly without them. Optional categories are off until you choose them.