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Let's Talk Money - Debt & Housing Support Service

Caerphilly County Borough Council

This public procurement record has 2 releases in its history.

Tender

02 Oct 2026 at 11:17

UK4 - Tender Notice
Planning

11 Aug 2026 at 08:49

UK2 - Preliminary Market Engagement Notice
Summary of the contracting process

Caerphilly County Borough Council is seeking a provider for a debt-led housing support service for people aged 16 and over living in the Caerphilly County Borough. The service is intended for individuals and families facing financial instability that threatens housing or tenancy security, including people who are homeless, in temporary accommodation or sofa surfing, and those with complex needs. A named lead worker will provide practical, referral-led support rather than advice alone: debt support, budgeting and financial capability, income maximisation, benefit checks and applications, and housing-related help to prevent homelessness and sustain tenancies. Delivery includes outreach and home visits, with support adapted as people’s needs and independence change. Welfare-benefit-only referrals are directed elsewhere through the Housing Support Gateway.

The Council invited offers through an open procedure. This is a single-lot service. The tender set an enquiry deadline of 23 October 2026 at 17:00 and a bid deadline of 30 October 2026 at 12:00. The contract is due to run from 1 March 2027 to 28 February 2029, with an option to extend by up to 24 months, reviewed after 12 months; the stated maximum end date is 28 February 2031. The estimated value is £1,060,000 excluding VAT (£1,272,000 including VAT). Evaluation is weighted 80% to quality and 20% to cost. Quality comprises the tender response (15%), interview (45%) and case study (20%). The service is suitable for SMEs and voluntary, community and social enterprises.

This opportunity suits a provider able to combine regulated debt advice with practical housing support, rather than offering advice-only services. The selected organisation must be authorised by the Financial Conduct Authority to deliver regulated debt advice and have experience in housing-related support, financial capability, debt advice, multi-agency working and supporting people with complex needs. Delivery requires capacity for a lead-worker model, referral-led casework and proactive outreach, including home visits. Providers should be equipped to work with people experiencing homelessness, rent arrears, mental ill health, disability, learning disabilities, substance misuse or other barriers to engagement, and to take supported action when vulnerability or executive-function difficulties prevent clients acting independently. The contract calls for integrated debt, welfare-benefit and tenancy-sustainment work, with support adjusted as clients become more stable and independent.

How relevant is this notice?

Notice Information

Notice Title

Let's Talk Money - Debt & Housing Support Service

Notice Description

Caerphilly County Borough Council is seeking to appoint a suitably qualified organisation to deliver the Let's Talk Money Debt and Housing Support Service. The service is jointly funded through the Housing Support Grant (HSG) and the Children's and Communities Grant (CCG - Families First) and is designed to support individuals and families experiencing financial instability where debt is a primary driver of housing risk, homelessness, or wider family instability. The service is referral-led, accessed primarily through the Housing Support Gateway, and is specifically designed for individuals and families who do not engage well with appointment-based or advice-only services. This includes people who are homeless, living in temporary accommodation, sofa surfing, or experiencing complex needs. The Authority is seeking to appoint a suitable Provider to deliver a targeted, debt-led housing support service for people aged 16 years and over living within the Caerphilly County Borough. The aim of the service is to prevent homelessness, sustain tenancies, and improve family resilience through hands-on, needs-led and practical support delivered via a single lead worker model. This includes financial capability and budgeting support, managing debt by securing viable debt solution options, and addressing housing-related issues that may impact financial stability or tenancy sustainment. The service will provide income maximisation support, benefit entitlement checks, welfare benefit applications, mandatory reconsiderations and appeals where these relate to individuals already receiving support through the service and where debt-related financial instability remains the primary presenting issue. Referrals relating solely to welfare benefit support, welfare rights issues, mandatory reconsiderations, or appeals, where debt-related financial instability is not the primary presenting issue, will be allocated through the Housing Support Gateway to the appropriate Provider. The service is not intended to operate as an advice-only provision. Whilst advise forms part of the support offer, the primary purpose of the contract is to deliver practical housing-related support that promotes financial stability, tenancy sustainment and long-term independence. While the service promotes independence, the Provider must deliver supported actions where vulnerability, complexity or executive-function barriers prevent individuals from completing tasks independently. Client groups (the list is not exhaustive) may include: * Individuals aged 16 years and over requiring support to manage their finances. * Individuals at risk of losing their tenancy due to financial pressures, including rent arrears. * Single people * Families with support needs * Individuals with disabilities, including mental health conditions, physical disabilities, dementia, and acquired brain injuries. * Individuals with learning disabilities or developmental disorders * Individuals with complex needs, including substance misuse. The Service must take a proactive and preventative approach, supporting individuals to build long-term financial resilience reduce debt, prevent homelessness, and sustain tenancies. Housing instability and financial instability are often interconnected; therefore, the service must address both areas holistically. This specification is outcome-based. The Provider must deliver an effective, high-quality service that achieves positive outcomes and demonstrates value for money. As individuals become more stable and independent, support must be appropriately tapered to reflect changing need. The service will deliver a lead-worker model incorporating: * Debt-focused housing support * FCA-regulated debt advice * Financial capability and budgeting support * Income maximisation * Welfare benefit support * Housing-related support linked to financial instability * Home visit and outreach-based engagement * Tenancy sustainment and homelessness prevention The service is designed to support individuals and families who may struggle to engage with traditional advice-based services, including those experiencing homelessness, living in temporary accommodation, sofa surfing, poor mental health, substance misuse, neurodiversity or other complex needs. Full details can be found in the ITT documents on the Councils e sourcing platform Proactis Plaza

Lot Information

Lot 1

Renewal: with the option to extend for a further period of up to twenty-four (24) months, periodically reviewed after twelve (12) months

Planning Information

Supplier event will be held at 14:00 Hours on the 17th August 2026, via Microsoft Teams. The Purpose of preliminary market engagement is to advise and engage with the Market prior to going to tender and the scope of the engagement will be to identify or highlight any evidenced models of best practise currently in use. To register an interest Service Providers must send their request via email to procurement@caerphilly.gov.uk. **please note registering an interest against this notice on sell2wales may not get recorded by the Council** All requests must be received by 15:00 hours Friday 14 August 2026 to the procurement inbox for the supplier engagement event. This notice is to commence market engagement prior to going to tender to understand services available to the Council. Please note that this notice is not a contract notice for a call for competition, it is to advise the market of the Councils intension to visit the market for such services in the future. Full details of service specification shall be issued with the call for competition and will be fully detailed in the tender documents.

Notice Details

Publication & Lifecycle

Open Contracting ID
ocds-h6vhtk-06e0c5
Publication Source
Find A Tender Service
Latest Notice
https://www.find-tender.service.gov.uk/Notice/093217-2026
Current Stage
Tender
All Stages
Planning, Tender

Procurement Classification

Notice Type
UK4 - Tender Notice
Procurement Type
Standard
Procurement Category
Services
Procurement Method
Open
Procurement Method Details
Open procedure
Tender Suitability
SME, VCSE
Awardee Scale
Not specified

Common Procurement Vocabulary (CPV)

CPV Divisions

98 - Other community, social and personal services

CPV Codes

98000000 - Other community, social and personal services

Notice Value(s)

Tender Value
£1,060,000 £1M-£10M
Lots Value
£1,060,000 £1M-£10M
Awards Value
Not specified
Contracts Value
Not specified

Notice Dates

Publication Date
2 Oct 20264 days ago
Submission Deadline
30 Oct 20264 weeks to go
Future Notice Date
30 Sep 2026Expired
Award Date
Not specified
Contract Period
1 Mar 2027 - 28 Feb 2029 2-3 years
Recurrence
Not specified

Notice Status

Tender Status
Active
Lots Status
Active
Awards Status
Not Specified
Contracts Status
Not Specified

Buyer & Supplier

Contracting Authority (Buyer)

Main Buyer
Caerphilly County Borough Council
Contact Name
Available with D3 Tenders Premium →
Contact Email
Available with D3 Tenders Premium →
Contact Phone
Available with D3 Tenders Premium →

Buyer Location

Locality
HENGOED
Postcode
CF82 7PG
Postcode Area
Cardiff
Country
Wales
Major Region (ITL 1)
TLL Wales
Basic Region (ITL 2)
TLL5 South East Wales
Small Region (ITL 3)
TLL53 Gwent Valleys
Delivery Location
TLL16 Gwent Valleys
Local Authority
Caerphilly
Electoral Ward
Ystrad Mynach
Westminster Constituency
Caerphilly

Further Information

Notice Documents

Open Contracting Data Standard (OCDS)

View full OCDS Record for this contracting process

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The Open Contracting Data Standard (OCDS) is a framework designed to increase transparency and access to public procurement data in the public sector. It is widely used by governments and organisations worldwide to report on procurement processes and contracts.

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