In the UK today, many people lack the basic tools and resources to budget effectively, or cultivate savings habits, and a significant number of people have no access to mainstream banking services. High cost credit providers are quick to step into this gap, offering easy, but ultimately costly finance. It is clear that what is on offer from our financial system is not working for many ordinary people.

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Our partners, the Just Finance Foundation have a vision to contribute to the creation of a fair and just financial system that is accessible and open to all.

TCT is a big supporter of Credit unions, which offer fair, affordable finance, available to everyone in the local community, have an important role to play in that vision.

We are working with local Credit Unions, the Black Country Chamber of Commerce and the Illegal Money Lending Team on a Payroll Savings initiative.