What we offer Money & COVID-19 Money & COVID-19 Has COVID-19 financially affected you? Please download our WLM Money & Benefits Information guide to sort out any money difficulties you might encounter during these difficult times. Find the guide below. A major event like Coronavirus can initiate new types of scam activity. You may have already seen reports of fraudulent activity around the sale of face masks and hand sanitiser. When it comes to financial services, the scam activity is more nuanced and often appears after the initial shock of a major event. With that in mind, we are urging consumers to be vigilant for scams that could appear over the coming months. Scammers are sophisticated, opportunistic and will try to get personal details or money from victims in many ways. They tend to target people who are more vulnerable or susceptible to being scammed, particularly in the current climate with many more people being at home. Visit the Financial Conduct Authority's page HERE to read how you can protect yourself, your family and friends. What is Universal Credit? Applying for Universal Credit Maintaining Universal Credit