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.

Pollock Credit Union (Glasgow City)

Tel: 0141 880 7888 Email:

763 Barrhead Road , Glasgow G53 6QR

Pollock Credit Union (Shawlands)

Tel: 0141 632 7847 Email:

17 Kilmarnock Road , Shawlands G41 3YN

Port Glasgow Credit Union

Tel: 01475 744 810

9 John Wood Street , Port Glasgow PA14 5HU

Raploch Community Credit Union

Tel: 01786 479 373

4 Woodside Road , Stirling FK8 1RF

Renfrew Credit Union Ltd.

Tel: 0141 587 2722

52 High Street , Renfrew PA4 8QP

Renfrewshire Citizens Advice Bureau

Tel: 0141 8892121 Email:

45 George Street , Paisley PA1 2JY

Renfrewshire Wide Credit Union

Tel: 0141 889 7442 Email:

39 High Street , Paisley PA1 2AF

Rhu and Shandon Credit Union

4 Braehead Place , Rhu, Helensburgh G84 8RQ

Rosyth Co op Store

Tel: 01383 420879

Castlandhill Road , Rosyth KY11 2PZ

Royal Observer Corps Benevolent Fund (ROCBF)

- Secretary
Email: via website

Royal Observer Corps Benevolent Fund , 120 Perry Hall Road, Orpington, Kent BR6 0EF

The Royal Observer Corps Benevolent Fund exists to provide assistance and relief to those former members of the Royal Observer Corps and their dependents who are in need, hardship or distress.

Ruchazie, Garthamlock and Craigend Credit Union

Tel: 0141 774 4123 Email:

427 Gartloch Road , Ruchazie, Glasgow G33 3TH

Ruchill Credit Union

Tel: 0141 946 2832

Ruchill Community Centre , 671 Bilsland Drive, Glasgow G20 9NF

Rutherglen Credit Union Ltd.

Tel: 0141 647 4756 Email:

252 Main Street , Rutherglen G73 3AD

Scotcentral Credit Union

Tel: 01786 442 477 Email:

New Viewforth , Pitt Terrace, Stirling FK8 2ET

Scottish Police Credit Union

Tel: 0141 7710012 Email:

165 Baillieston Road , Glasgow G32 0TN

Scottish Postal Workers Credit Union

Tel: 0141-332-3286

164 Bath Street , Glasgow G2 4TB

Scottish Welfare Fund

Tel: 01738 476900

In April 2013, Scottish Local Authorities (Councils) became responsible for administering the Scottish Welfare Fund.

Due to a series of ongoing welfare reforms to the benefits system, Social Fund Crisis Loans and Community Care Grants paid by the DWP have been abolished.      In their place is a new discretionary scheme called the Scottish Welfare Fund which provides: • Crisis Grant and Community Care Grants.These are provided in cash or kind and do not need to be paid back. How to applyYou must apply to the Council where you live or intend to live (if you are leaving prison, hospital or residential care). If you live, or intend living in the Perth & Kinross Council area, you can apply by phoning or by completing an online application form:

 scottishwelfarefund


Tel: 0845 634 7634 Email:

13 Elmbank Street , Glasgow G2 4PB

SCVO Credit Union Ltd.

Tel: 0131 474 8003 Email:

15 Mansfield Place , Edinburgh EH3 6BB

Shetland Islands Citizens Advice Bureau

Council Offices Outhreach
Tel: 01595 694696 Email:

Charlotte House , Commercial Road, Lerwick ZE1 0LX

Shettleston Credit Union (Tollcross)

Tel: 0141 764 0276 Email:

1290-1294 Shettleston Road , Shettleston, Glasgow G32 7YR

Solway Credit Union

Tel: 01387 267200

24-26 Friars Vennel , Dumfries DG1 2PH

South Airdrie Credit Union

Tel: 01236 605 978

6 Clark Street , Airdrie ML6 0AA

South Ayreshire Citizens Advice Bureau

Tel: 01292 616060

5 - 7 River Terrace Trading Standards Service , Ayr KA8 0BJ

South Ayrshire Debt Advice Helpline

Tel: 01292 616060

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