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From all of us at Wessex Resolutions CIC, a huge THANK YOU to our incredible NHS staff and to all those who are playing their part to help the nation from keyworkers to volunteers.



We understand that everyone’s financial circumstances can change unexpectedly and our initial financial assessment leaves room for unexpected expenses. Our loan repayments are also tailored to the client to meet their specific circumstances by our expert advisers both at the time of the assessment and for the lifetime of the loan. However, no one can predict the future, particularly in these uncertain times, which means our arrears process is designed to work with our clients, not against them.

If a loan account falls into arrears, we treat each case individually. In our experience, there are a range of reasons why clients may not be able to meet their loan repayments. These include redundancy or changes in jobs, changes in State Benefit eligibility, or bereavement. Of course, it is early days in terms of assessing the financial impact to households during the current crisis, and we advise you to contact us as soon as possible should your circumstances change and we will work with you to find a solution.

It may work for some clients to have their arrears added to the loan term, so they are no longer in arrears. For others, an adviser may need to complete a new financial assessment to understand how the changes have impacted on the household finances before coming to an arrears repayment plan. We can consider lengthening the loan term to reduce the monthly repayments, or converting the loan to an interest roll up product to remove the need for monthly repayments (depending on age and eligibility).

Where a client experiences severe hardship, particularly due to measures imposed during the COVID-19 outbreak, we are also able to freeze the interest on loan accounts to take the pressure off until the situation has improved or a new loan agreement has been arranged.

If your loan is in arrears or your circumstances have changed, please contact our team as soon as possible and we will work with you to find a solution.


Unscrupulous criminals are exploiting fears about COVID-19 to prey on members of the public, particularly older and vulnerable people who are isolated from family and friends.

National Trading Standards is warning people to remain vigilant following a rise in coronavirus-related scams that seek to benefit from the public’s concern and uncertainty over COVID-19

Find out what to look out for at National Trading Standards COVID-19

Please do not be enticed into using Loan Sharks to help with bills etc. Loan sharks charge huge interest rates, you will end up paying a lot more back and will be worse off.

Get in contact with us if you need a loan to support home improvements and repairs. If you are a loan shark victim, get in touch with Stop Loan Sharks Project


The Government have agreed with energy companies immediate measures to protect customers and help financially vulnerable households to maintain access to energy at this time during the Coronavirus outbreak.

Find out more at:


Back in April 2018, the Government put into practice new measures to ensure that any new tenancies meet the minimum energy efficiency standard of an ‘E’ rating on their EPC assessment.  As of 1 April this year, all existing tenancies must also comply, or have a valid exemption registered.

There is a capped spending cost of £3,500 per property to make this upgrade.  If a property will cost more than this to upgrade, landlords can register an exemption. This could be either a ‘high cost exemption’ if the cost of installing the cheapest recommended improvement is higher, or the ‘all improvements made exemption’ if improvements up to the value of £3,500 have been made but the property remains rated F or G.

The relevant district council are the enforcement authority for properties in their area and can choose which function they wish to use to enforce the Regulations.  Where the district council considers that a landlord may be in breach of the rules or a landlord has been in breach of the rules at any time in the past 12 months, it may serve a Compliance Notice requiring the landlord to provide evidence to the enforcement authority.

More information about the new rules and how they apply to you.

Have a look at our Landlord Loan page for ways we could help funding these essential works to your rental property or contact us for an informal chat.


An interview with Andy Meldrum, Loans Adviser, Wessex Resolutions CIC

With a financial background and Certificate in Mortgage Advice and Practice (CeMAP) along with a Certificate in Regulated Equity Release (CeRER), Andy covers Bristol, Bath, North East Somerset, Wiltshire and South Gloucestershire as a Loans Adviser. A football fan, he supports Bristol Rovers and enjoys keeping fit and spending time with his family.

Andy says:

"I strongly believe that everyone should be living in warm, safe homes. Initially, I was surprised by how many people don’t, simply because they cannot afford to do so. I take real pride in the work I do and more importantly the end result; seeing how our offer of financial assistance helps to improve lives. I like that we’re financially inclusive and help clients who may not be able to source loans through other mainstream lenders by finding a loan solution that is right for their individual needs. By working in partnership with the Council, Home Improvement Agencies, Energy Advisers and Contractors, we are able to offer our clients a complete package, particularly when a client is vulnerable. With the impending climate emergency upon us, I believe Wessex Resolutions have a role to play and I am looking forward to working more closely with our partners to help deliver this. Work has already begun in some areas and I would say watch this space!"

Read Andy's full interview here

Wessex Resolutions CIC are proud to be Members of the Somerset Chamber of Commerce

The British Home Enhancement Trade Association (BHETA) has postponed its annual DIY and garden industry consumer promotion, National Home Improvement Month until later in the year in the light of the Covid-19 crisis.

Commenting on the postponement, BHETA’s Chief Operating Officer, Will Jones said, “While BHETA is pleased to see the Government acknowledge home and garden supply as ‘essential’ in this very challenging period for all consumers, it did not seem at all appropriate to be actioning a promotional marketing campaign at this time.

BHETA and its campaign partners will update the industry on the revised timing of National Home Improvement Month when it is safe and reasonable to do so.”

National Home Improvement Month is a BHETA initiative in a joint venture with The Relations Group which is a specialist broadcast PR company.

In light of the current situation, we announced that we will be finishing at 12:30pm on Fridays for the unforeseeable future. This allows our team to offer support in their local communities, take up a hobby or to simply unwind. To find out what the Team have been getting up to, take a look at our latest blog, here
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If you have a publication that we can advertise in, or if you have a community facility or venue where we can supply some of our home improvement leaflets, we’d love to hear from you!

or call 01823 461099

This financial promotion has been approved by
Wessex Resolutions CIC.

Wessex Resolutions C.I.C.: a community interest company limited by guarantee, registered in England, company number 4512225. Registered address: Heatherton Park Studios, Bradford on Tone, Taunton TA4 1EU.

‘Wessex Loans’ and ‘Wessex Home Improvement Loans’ are trading names used by this company.

Wessex Resolutions C.I.C is authorised and regulated by the Financial Conduct Authority (675263)
for credit and debt-related regulated activities.

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Wessex Resolutions CIC · Heatherton Park Studios · Bradford on Tone · Taunton, Somerset TA4 1EU · United Kingdom

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