Worried about money?
You are not alone.
If you are finding it hard to keep up with repayments, please do not wait. Reaching out early gives us the best chance to help, and there is no judgement, ever. We will listen and find a way forward together.
Money worries can affect anyone, at any time. Talking about them is often the hardest step, and the most important. Once you do, you will not be facing it on your own.
We are a member-owned credit union, not a bank chasing profit. When one of our members is struggling, our job is to help them through it.
What happens when you get in touch
No forms to dread and no lectures. If you are worried about a CCU loan or mortgage payment, here is exactly what to expect.
Reach out
Message us securely or give us a call, and tell us what is going on in your own words.
We listen
We talk it through sensitively and work out what you can realistically afford right now.
We agree a plan
Together we find a way forward, and set a review date you are comfortable with.
A few things that help us help you
More free money advice
You never have to pay for debt advice. We have partnered with MoneyHelper, and these free, independent services can help with benefits, budgeting, debt and the cost of living.
Universal Credit support
Guidance if you are on Universal Credit, or about to claim it.
MoneyHelperBudget planner
See where your money goes and take control of your household spending.
MoneyHelperDebt advice locator
Find a free debt adviser near you, online or over the phone.
MoneyHelperCost of living support
Check what help you could get with energy, bills, benefits and more.
mygov.scotYou do not have to face it alone. Samaritans are there to listen, day or night, free from any phone. Call 116 123.
You do not have to work this out alone.
Whatever is happening, the first step is the same: get in touch. We will take it from there, together.