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Hardship Stream

Apply for help with Basic Costs and Small Debts

The Hardship Stream gives grants for basic costs and help with small debts to vulnerable Muslims in the UK who have no income.

What can I get help with?

You can apply to the Hardship Stream for help with:

  1. Basic Costs - like food, travel, clothing and monthly bills etc.
  2. Small Debts - for money owed on credit cards, bank loans, and gas and electricity bills

You can find out about other help NZF may be able to give you here https://nzf.org.uk/Apply

Can I apply?

To apply, you must be a Muslim living in the UK and be entitled to receive Zakat. To be able to receive Zakat, you must have less than the Nisab when you apply https://nzf.org.uk/Knowledge/Calculation_Rules/Nisab. To confirm that you can get help, we will look at how much money you have, your monthly income and expenses.

Grants are only available to people who are in one of the following situations and have no income.

  1. Been refused asylum in the last 2 months
  2. Been granted refugee status or leave to remain in the last 2 months
  3. Escaped domestic violence in the last 2 months
  4. Lost their job in the last month

How much help can I get?

The amount of help you can get depends on your family size and any debts you have. The minimum we can give you is £400, and the maximum is £1,250. The help we give is a one-off grant.

For Basic Costs

Single person: £400

Couple: £550

For each child (under 18): £50

For Small Debts

You can get up to £400 towards any small debts you may have.

We may also signpost or refer you to other organisations that may be able to help you based on your situation.

How long will it take to get help?

The application form takes around 20 minutes to complete.

Once you have you sent us your application with all the information and documents we need, we will aim to give you a decision on your application within 5 working days.

If you do not give us all of the information and documents we need to look your application, your application will be delayed and you will have up to 10 days to give us anything you have missed.

What happens once I have applied?

Once you have sent us your application, the Hardship team will make sure that you have given us all the information and documents we need to look at your application and that you are eligible to apply for help. If there is anything you have missed, you will be asked to send it to us within 10 days.

We will then look at how much money you have, your monthly income and expenses, as well as any debts you may have to confirm that we can help you.

If we can give you a grant, we will email you to confirm this and arrange payment for you. If we cannot give you a grant, we will email you to tell you why.

How many times can I apply?

We can give you and your family one grant from the Hardship stream every 2 years.

If we have given you a grant for things like food, clothing and travel in the last 2 years, you won’t be able to apply again until 2 years have passed since your last payment.

What information and documents do I need to give?

To apply for help with Basic Costs, you will need to give us the following documents:

Photo ID for you, your wife/husband and children under 18 – You can give us a copy of a passport, driving licence or other document given to you by the authorities.

Bank statements – We will need 3 full months of bank statements for all your bank accounts. For example, if you send us your application on 2nd January, you will need to give us bank statements for October, November and December.

If you are also applying for help with small debts, you will need to give us:

Debt documents – We will need statements for any money you owe on credit cards or bank loans. We will need bills for money you owe for gas and electricity.

Depending on your situation, you will also need to give us one of the following documents:

Been refused asylum in the last 2 months

a. Letter from Home Office or Immigration Tribunal dated in the last 2 months

Been granted refugee status or leave to remain in the last 2 months

a. Letter from Home Office or Immigration Tribunal dated in the last 2 months

Escaped domestic violence in the last 2 months

a. Confirmation letter from the refuge or other agency to confirm that you escaped domestic violence in the last 2 months

Lost their job in the last month

a. Letter of employment termination dated in the last month

How will the help be given?

If you have a bank account, we will put the money into your account.

If you do not have a bank account, we will send you a voucher for you to use in shops. We may send the voucher to your email address. If you do not have an email address, you can get a free one here https://mail.google.com/mail/signup

How can I get more information?

For more information on applying for help to the Hardship stream, please email us on applications@nzf.org.uk

Where else can I get help?

Ensure you are receiving all the benefits that you are entitled to

If you are a UK resident or have recourse to public funds you can use the Entitled To assessment tool to check that you are receiving the right amount of money in benefit claims, whether as well as checking your eligibility for other types of benefits.

https://www.entitledto.co.uk/benefits-calculator/Intro/Home?cid=f6df9be4-72cf-485f-9218-9bc45656b928 

Help if you are homeless or living on the streets

If you are homeless, living on the streets or have just left prison, it’s important you seek help to find a place to stay. Shelter can help you find out about hostels, night shelters and other emergency housing options if you're homeless and on the streets.

https://england.shelter.org.uk/get_help 

Help if you are dealing with an addiction such as gambling

Gambling can harm your health and relationships and leave you in serious debt. If you have a problem with gambling and you'd like to stop, support and treatment is available.

https://www.gamcare.org.uk/ 

Help with debts

If you have large debts, it is important that you seek advice. Large debts will not go away. Our partner StepChange is on hand to offer you face-to-face and online support to help you structure a plan that works for you.

https://www.stepchange.org/start.aspx 

Alternative small grants

Whilst the National Zakat Foundation assists Muslims through Zakat, there are several other organisations that you may be able to get additional support from. We always advise that you explore all your opportunities. Use the Turn2Us grants search tool to find other grants that you may be eligible for.

https://grants-search.turn2us.org.uk/ 

What if I am not happy with your service?

If you are not happy about any part of our service, please email us on feedback@nzf.org.uk and we will get back to you as soon as we can.

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To apply to the Hardship Stream for help with basic costs and small debts please click here:



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