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.

Chryston and District Cerdit Union

Tel: 01236 870022

Glasgow G69 0EN

Citizens Advice Bureau Scotland

The advice and information provided by the bureau is highly regarded with decades of experience in delivering a free, independent, confidential and impartial advice and information services to the general public. They provide advice through face-to-face, telephone and email services, and online via our self- help advice on .

The Armed Services Advice Project (ASAP) provides dedicated information, advice and support to members of    the Armed Forces Community in Scotland.

The service is provided by the Scottish Citizens Advice Bureau Service, and the funding group is led by Poppyscotland. We work closely with many organisations, both Service related and others, to provide support to the people who contact us.  

Need advice? 

We provide free, confidential, impartial information, advice and support to people who: 

  • are currently serving in the Armed Forces, either Regular or Reserve, or a dependant of someone who is

  • have served in the Armed Forces, either Regular or Reserve, or a dependant of someone who has

  • are members of the Merchant Navy who served in a commercial vessel in support of legally defined UK military operations, or a dependant.

Our advice covers a range of areas, including benefits, debt, employment, relationships and housing.

Get in touch

  • Ask us to call you.  You can use the Get Advice from ASAP form on either of the above websites to send us your contact details, and an adviser will give you a ring back between 9am and 5pm, Monday to Friday

  • Visit your local bureau.

Clackmannanshire Council

Tel: 01259 450000 Email:

Lime Tree House , Alloa FK10 1EX

Clackmannanshire Credit Union

Tel: 01259 214200

Tron Court , Tullibody FK10 2PS

Clenrothes and Levemouth Credit Union

1 College Street , Buckhaven KY8 1AB

Coatbridge Consumer and Money Advice Centre

Tel: 01236 812 693

Environmental Services , 124 Main Street, Coatbridge, North Lanarkshire ML5 3BJ

Consumer Credit Counselling Service

Tel: 0800 138 1111

Wade House , Merrion Centre, Leeds, Yorkshire & Humber LS2 8NG

Cornton Credit Union

Tel: 01786 449 459

37 Johnston Avenue , Cornton FK9 5DJ

Cowdenbeath Local Office

123 High Street , Cowdenbeath KY4 9QB

Cowie Community Credit Union Ltd.

Tel: 01786 817 212 Email:

Old School House , Main Street, Cowie FK7 7BL

Craigmillar Credit Union Ltd.

Tel: 0131 661 9942

2 Niddrie Mains Terrace , Edinburgh EH16 4BG

Craigneuk and Wishawhill Credit Union

Tel: 01698 351460

46 Laurel Drive , Craigneuk, Wishaw ML2 7RD

Crainhill Credit Union Ltd.

Tel: 0141 774 0001 Email:

4 Crowlin Crescent , Crainhill G33 3PH

Credit Union for Scottish Transport

Tel: 0845 45 00 933 Email:

Credit Union Ltd. (Whitburn)

Raeburn Crescent , Whitburn, Bathgate EH47 8HQ

Croy and Kilsyth

Constarry Road , Croy, Kilsyth G65 9HT

Cumbernauld Central Credit Union Ltd.

Tel: 01236 457592

1 Esk Walk , Cumbernauld G67 7EW

Cumbernauld Money Advice

Tel: 01236 638 905 Email: via contact form at

Cumbernauld First Stop Shop , 2/4 Forth Walk, Cumbernauld, North Lanarkshire G67 1BT

Cumbernauld South Credit Union

Tel: 01236 612651

5 Main Road , Condorrat, Cumbernauld G67 4BT

Cumnock and Doon Valley Credit Union

Tel: 01290 420 044 Email:

11 The Square , Cumnock KA18 1BG

Dalkeith Citizens Advice Bureau

Tel: 0131 4540166 Email:

8 Buccleuch Street , Dalkeith EH22 1HA

Dalmuir Credit Union

Tel: 0141 952 3776 Email:

15 Abbotsford Road , Clydebank G81 1PA

Debt Advice Foundation

Tel: 0800 043 40 50

Discovery Credit Union

Tel: 01382 431505 Email:

Wellgate Centre , Dundee DD1 1DB


Tel: 0141 944 8593 Email:

106 Tallant Road , Drumchapel, Glasgow G15 7PX

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