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.

South Coatbridge Credit Union

Tel: 07786 175 906 Email:

19 Easton Place , Coatbridge ML5 4EW

South Kintyre Credit Union Ltd.

Tel: 01586 553 368

25 Longrow , Cambeltown PA28 6ER

St. Fracis Xavier Credit Union

Tel: 01324 637 413

1 Hope Street , Falkirk FK1 5AT

St. Machar Credit Union

Tel: 0122 4524935 Email:

Marquies Road , Woodside, Aberdeen AB24 2QY

Stirling Council - Money Advice

Fax: 01786 442460 Email:

Veiw Forth Room 37 , Economy, Employment and Youth, Stirling FK8 2ET

Stirling Council Employee Credit Union Ltd.

Tel: 01786 443 322

Corn Exchange Road , Stirling FK8 2HU

Stranraer Credit Union

Tel: 01776 706 911 Email:

25 Hanover Square , Stranraer DG9 7AG

Strathbogie Credit Union

Huntly AB54 4SH

Strathkelvin Credit Union

Tel: 0141 766 7330

Ivanhoe Drive , Kirkintilloch G66 2AP

Tail O' the Bank Credit Union

Tel: 01475 734 655

14 Kilblain Street , Greenock PA15 1SR

Taxi Trade Credit Union Ltd.

Tel: 01236 738 383 Email:

19a Glencryan Road , Cumbernauld G67 2UH

Tay Valley Credit Union Ltd

Tel: 1382434103 Email:

8 City Square , Dundee DD1 3BG

The Armed Services Advice Project (ASAP)

Tel: 08088001007

The Armed Services Advice Project (ASAP) is part of the Scottish Citizens Advice Bureau Service. We can assist with:• benefits - entitlements, support with applications and appeals against decisions;• debt and money advice - budgeting, debt management, income maximisation and improving your financial situation;• housing - whether you rent, are an owner occupier or are homeless;• work-related problems -terms and conditions, dismissal, sickness absence, intimidation, unfair dismissal and redundancy issues; • consumer issues - help with everything from broken kettles to difficulties with gas and electricity supply;• relationships - issues relating to separation, children, bereavement and other family matters;• Service-related matters, including referrals to the appropriate organisation to help you.

The Scottish Welfare Reform Advisory Service

Tel: 03445151310 Email: cotnact online

Benefits, housing and debt – give your clients a head start

Welcome to this introduction to welfare benefits, housing and debt for frontline advice and support staff in Scotland. Advice is from Shelter Scotland and the Child Poverty Action Group in Scotland. Benefits, housing and debt are often connected so it makes sense to think and talk about them together. This website is intended to help you support your client to:

  • know what changes to the benefits system are ahead that may affect people’s money or housing

  • help you spot possible and existing debt and money issues for your client and suggest ways of managing these

  • check ways of preventing evictions and homelessness

  • signpost for further help.

How to use the service

  • You may find the information you need to support your client by checking the benefits, housing or debt sections of this website. 

  • Didn’t find the answer you need? Call the advice line or email.

    • For  housing or debt advice call Shelter Scotland’s advice line for advisers on 0344 515 1310 or email (we aim to answer emails within three working days).

    • For advice about benefits call CPAG in Scotland’s advice line for advisers on 0141 552 0552 or email (we aim to answer emails within 10 working days).

The Trasport Credit Union Ltd.

Tel: 0141 221 7474

186 Argyle Street , Glasgow G2 8HA

The Value Credit Union Ltd.

Tel: 0141 222 2259

87 Bath Street , Glasgow G2 2EE

The White Ensign Association

LT Cdr Michael Howell - Area representative for Scotland
Tel: 02079 408 131 Email:

HMS Belfast , Tooley Street, London WE1 2JH

The White Ensign Association's mission is to inform and provide guidance to all serving and former members of the Royal Navy, Royal Marines, their Reserves and also to their dependants on finance and personal administration, and employment and resettlement on an unbiased, confidential and free basis.

Thorniewood Credit Union

Tel: 01698 300 405

8 Market Road , Viewpark, Uddingston G71 5AJ


Tel: 0845 4500933 Email:

186 Argyle Street , Glasgow G2 8HA

Upper Braes Credit Union

Tel: 01324 861 464 Email:

36 Craigbank Road , Avonbridge, Falkirk FK1 2NP

Vale of Leven Credit Union

Tel: 01389 721803

6 Bank Street , Alexandria G83 0NH

Value Credit Union

Tel: 0141 222 2259 Email:

5th Floor , 52 St Enoch Square, Glasgow G1 4AA

Veteran Welfare Service

Tel: 0808 1914 2 18

WVS Kentigern House , MP600, 65 Brown Street, Glasgow G2 8EX

The Veterans Welfare Service (VWS) is committed to enhancing the quality of life for Veterans and beneficiaries of pensions (War and Service) and compensation schemes, and all their dependants. It also focuses upon providing support that will enable the seamless transition from Service to Civilian life, assist bereaved families or respond to key life events that present welfare needs.

It gives support and advice in the areas of:

War Disablement pension, Armed Forces Compensation Scheme, DWP Benefits, Housing, Employment Health and Bereavement.

It achieves this by adopting a single central coordinating role that facilitates access to all appropriate services. The VWS provides a caseworker approach that offers professional help and guidance through either telephone contact or a dedicated visiting service. Under the Veterans UK the VWS works in collaborative partnership with the tri-Service, ex-Service charities, statutory and non-statutory bodies, local community service providers and Veterans Advisory and Pensions Committee's to deliver a quality welfare service that promotes independence, maintains dignity and provides continuous support through life.

Veterans Advisory and Pensions Committee

JPAC Enquiry Centre , Mail Point 465, Kentigern House 65 Brown Street, Glasgow G2 8EX

What we do

We advise veterans and their families on their needs, issues and concerns.

Who we are

We are independent statutory bodies established by government. Formerly known as the War Pensions Committees, we advise and liaise with veterans, their families and relevant organisations on their needs, issues and concerns. We assist, raise awareness, act as advocates and provide governance to the veterans’ community, and champion the rights of veterans and their families where there is injustice, inequality or a lack of fairness.

There are 13 VAPCs across the UK. You can contact us using the links below.

If you are unsure which region you belong to and would like to be put in touch with your local VAPC, you can contact the Veterans UK Team.

Veterans UK

Veterans Scotland

Jim Wilson - General Secretary
Tel: 0131 550 1569 Fax: 0131 557 5819 Email:

New Haig House , Logie Green Road, Edinburgh EH7 4HR

Veterans Scotland's aim is to establish cooperation and coordination between Veterans Organisations in Scotland, to act as a focal point for all matters concerning the ex-Service community within Scotland and to represent these matters to Government at all levels.

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