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My Advice Gateway

My Advice Gateway is a free resource to help you quickly find the information you need to claim benefits, access help and support or look for a job or training opportunities. Other services include sections on banking, insurance and how to manage debt.

There is so much information available on the internet that it can often be a tedious and time consuming activity to search through the mass of advice that is available in order to find the information you need. Even government websites that have been set up to provide help can be difficult to find your way around.

My Advice Gateway has been built to help you find the information you need quickly and effectively. Links will take you to authoritative advice or the precise application form you need.

We hope you will find My Advice Gateway useful. If you do, why not tell your friends. . .


LHS provides a complete range of web-based housing option services to more than 60 local authorities and hundreds of housing associations across the UK.


My Advice Gateway constantly checks its links to other information sources to ensure they work properly.

However, if you do find a link that does not connect, please let us know so that we can fix it quickly.

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E-mail: info@myadvicegateway.com




Overdrafts are a way of borrowing money on your current account – your bank or building society can allow you to cover short-term cash-flow problems when there is no money in your account. 

Some banks and building societies have an overdraft as part of their current account but, if yours does not, you can ask for an authorised overdraft limit which will allow you to borrow up to an agreed limit.

Like most borrowing systems you will usually have to pay interest on your overdraft, your bank will tell you how much this will be, but be aware that your bank has the right to demand you pay back your overdraft in full at any time if they are concerned about your ability to repay the debt.

If you go overdrawn without your bank or building society’s permission, or go over your authorised overdraft limit, the bank or building society are likely to charge high prices and refuse to pay cheques (known as bouncing) until you have repaid your overdraft.

These charges usually come in the form of a fee for every transaction you have made over your agreed overdraft limit, and a higher interest rate on the money you have borrowed over the limit.

You should try and avoid going over your overdraft, as the resulting penalty charges can cost you a lot of money and build up over time.

For a further explanation on overdrafts, follow this link, and for a guide on how best minimise the cost of your overdraft, click here.