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.

Money Matters Inverclyde (Port Glasgow)

Tel: 01475 715965

Scarlow Street , Newark House, Port Glasgow PA14 5EY

Money Scotland

Tel: 0300 200 2600 Fax: 0300 200 2601 Email:

1 Pennyburn Road , Kilwinning, Ayrshire KA13 6SA

Moray Council Trading Standards

Tel: 01343 554 617 Fax: 01343 554 622 Email:

232 High Street , Elgin, Moray IV30 1DJ

Mosshill Credit Union

Tel: 01698 841 923

23 Unitas Road , Mossend ML4 1QL

Motherwell and District Credit Union Ltd.

Tel: 01698 266433

142 Merry Street , Motherwell ML7 1NA

National Debtline Scotland

Tel: 0808 808 4000 Fax: 0121 410 6230 Email: contact form at

Tricorn House , 51-53 Hagley Road, Edgbaston, Birmingham, West Midlands B16 8TP

Natwest Bank PLC

Tel: 0845 6002803

90 John St , Ayr G1 1JH

New Easterhouse Credit Union

Tel: 0141 771 0004 Email:

Unit 40 Shandwick Sq , Glasgow G34 9DT

New Mains Credit Union

Tel: 01698 383 397

96a Manse Road , Wishaw ML2 9NB

Newarthill Credit Union

Tel: 01698 862 770 Email:

111 / 113 High Street , Newarthill, Motherwell ML1 5JH

North Airdrie Credit Union

Tel: 01236 779100

3 Mavisbank Street , Airdrie ML6 0LA

North Ayrshire Council

Craigton Road Social Services Office
Tel: 01505 684551 Email:

Garnock Valley Area Centre , Kilbirnie KA25 6LJ

North Ayrshire Council (Ardrossan)

Tel: 01294 468213

Aitken Place , Ardrossan KA22 3PR

North Ayrshire Council Welfare Rights and Debt Advice Helpline

Isobell Kelly
Tel: 01294 317786 Email:

Kilwinning Road Welfare Rights Unive , Irvine, North Ayrshire KA12 8TB

North Coatbridge Credit Union

Tel: 01236 604 500

8 Sunnyside Road , Coatbridge ML5 3DG

North East Fife Credit Union Limited

Tel: 01334 652441 Email:

St Catherine Street , Cupar KY15 5HS

North East of Scotland Credit Union

Tel: 01224 596 1960 Email:

Aberdeen AB11 5RW

North Edinburgh Credit Union

Tel: 0131 466 5006

10/12 Wardieburn Drive , Edinburgh EH5 3LH

North Glasgow Credit Union

Tel: 0141 553 1248 Email:

98 James Nisbet Street , Glasgow G21 2HN

North Lanarkshire Council Outreach (Wishaw)

Tel: 01698 346790 Email:

, Wishaw ML2

Orkney Citizens Advice Bureau

Tel: 01856 875266 Email:

6 Bridge Street Anchor Buildings , Kirkwall KW15 1HR

Parkhead Credit Union

Tel: 0141 551 8387 Email:

922 Springfield Road , Parkhead, Glasgow G31 4HE


Tel: 0800 280 2816 Email: contact form at

Kempton House , Dysart Road, Grantham, Lincolnshire NG31 7LE

Penilee Credit Union

Tel: 0141 891 8600 Email:

2135 Paisley Road West , Cardonald, Glasgow G53 3JL

Perth and Kinross Council Welfare Rights Team

Tel: 01738 476049 Email: uk

35 Kinnoull Street Housing and Social Work Services , Puller House, Perth PH15 GD

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