Financial Matters

Council Tax, utility bills, groceries and rent; these are just some of the financial commitments that many Veterans face for the first time when they leave the Services.  Because bills have previously been deducted from pay at source, it can be a challenge to budget for them, yet failing to do so can bring long-lasting negative consequences.

In this section we provide direction to credit unions, which can offer a wide range of affordable financial services, and to debt advice and support organisations that can give advice to avoid and, if necessary, recover from debt.

Some useful websites include:

National Debt Line

The law about debt is different depending on whether you live in England and Wales or Scotland. If you live in Scotland, make sure you are in our Scottish site so you get the right advice.

Scotlands Financial Health Service  

Welcome to Scotland’s Financial Health Service website (SFHS). This Scottish Government website is the place to come if you have financial concerns or are just seeking useful, free and impartial advice which you can trust.

Government Guide to Benefits, Tax Credits and Other Support 

A number of veterans are unaware of the various benefits and other support that they may be eligable for and as such the link below will offer advice and guidance.

Benefits Calculator 

You may be missing out on financial help that you are entitled to through welfare benefits. The entitledto calculator can help you check what you might be able to claim.

To refine your searches by local authorities choose from the form below and click search.

1st Shipbuilders Credit Union

Tel: 0141 954 1615 Email:

B.A.E Systems , South Street, Scotstoun, Glasgow G14 0XN

1st Class Credit Union

Tel: 0141 552 8408 Email:

105 Bell Street , Glasgow G4 0TQ

1st Scottish University Credit Union

Tel: 0131 451 8217 Email:

Department Of Computing And Electrical Engineering, Ricarton , Heriot Watt University, Edinburgh EH14 4AS

Aberdeen City Council Debt Counselling

Tel: 01224 523738 Fax: 01224 522297 Email:

The Podium , Ground Floor St Nicholas House, Broad Street, Aberdeen AB10 1BY

Abronhill Credit Union

Tel: 01236 727757

Abronhill Community Education Centre , 2 Larch Road, Abronhill, Glasgow G67 3AZ

Advice Shop

Tel: 0131 2002360 Fax: 0131 225 6171 Email:

85-87 South Bridge , Edinburgh, Midlothian EH1 1HN

Alness Credit Union

Tel: 0134 9852148 Email:

The Heritage Centre , 102 High Street, Alness IV17 0QB

Angus Council Welfare Rights Service

Tel: 08452 777 778 Email:

Welfare Rights Service, Carseview Office , Carseview Road, Forfar, Angus DD8 3BT

Argyll and Bute Concil (Helensburgh)

Desmond Middleton
Tel: 01546 604326 Email:

Blairvadach By Shandon , Helensburgh G84 8BP

Argyll and Bute Council's Money Advice Team (Lochgilphead)

Tel: 01546 604176 or 01546 604326

Kilmory , Lochgilphead PA31 8RT

Baillieston Credit Union

Tel: 0141771 1771

94 Main St , Baillieston G69 6SL

BCD Credit Union

Tel: 0141 550 4171

9 Bridgeton Cross , Glasgow G40 1BN

Bellshill Money Advice Centre

Tel: 01698 274690 Email: via contact form at

Advice Centre , 10 Motherwell Road, Bellshill, North Lanarkshire ML4 1RE

Benarty and Lochgelly Credit Union

Tel: 0159 286 8800 Email: benartyc.u@btconnect

11 Benarty Square , Fife KY5 8NR

Blantyre Credit Union

Tel: 01698 711112 Email:

252 Glasgow Road , Blantyre G72 0YH

Bridegton, Calton and Dalmarnock

Tel: 0141 550 4171 Email:

9 Bridgeton Cross , Bridegton, Glasgow G40 1BN

Bute Credit Union

Tel: 01700 502 000 Email:

5 King Street , Rothesay, Isle of Bute PA20 9DP

Cambuslang Credit Union Ltd.

Tel: 0141 614 0888 Email:

260 Main Street , Cambuslang G72 7EG

Capital Credit Union

Tel: 0845 6349901 Email:

62 Hamilton Place , Edinburgh EH3 5Z

Cardenden and Kinglassie Credit Union Limited

Tel: 01592 722937 Email:

41-43 Main Street , Cardenden KY5 0BJ

Carmyle Credit Union Ltd.

Tel: 0141 6417730 Email:

12 Quebec Wynd , Carmyle G32 8AH

Carntyne and Riddrie Credit Union Ltd

Tel: 0141 770 8200 Email:

47 Gartcraig Road , PO Box 2274, Glasgow G33 2WX

Castlemilk Credit Union

Tel: 0141 631 2952 Email:

155 Castlemilk Drive , Castlemilk G45 9UG

Central Borders Citizens Advice Bureau

Tel: 01896 753889 Email:

111 High Street , Galashiels TD1 1RZ

Christians Against Poverty

Tel: 01274 760720 Fax: 01274 760745 Email:

Jubilee Mill , North Street, Bradford, West Yorkshire BD1 4EW

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