Over Spent at Christmas? – worried about debt!

If you are worried about debt because of the cost of Christmas, rising fuel and food prices, the VAT rise or any other reason, there are a number of ways you can get help and support.

Falkirk Council has its own debt advice service, which can provide office appointments and home visits. There is also a well-established network of Citizen’s Advice Bureaux and there are a number of Credit Unions operating in and across the Council area.

While illegal money lending is not a significant problem in this area, the Scottish Illegal Money Lending Unit has had some reports of local activity in the recent past. At times like these, loan sharks can prey on the most vulnerable families and people and the impact of resorting to such lenders can have a devastating effect on families and individuals. The Scottish Illegal Money Lending Unit has been in operation since 2004 and aims not only to prosecute illegal lenders but also to provide a comprehensive advice and support service to the victims of those affected.

Councillor Angus MacDonald, SNP candidate for Falkirk East said:
"I woudl encourage anyone struggling with debt problems to get in touch with reputable and recognised organisations such as the Credit Union, the Council’s own debt and advice service or one of the local CABx. They can offer a range of professional advice and support to anyone experiencing financial problems.”

Local Contacts
Find our more about Falkirk Council’s debt advice service at:
http://www.falkirk.gov.uk/services/social_work/community_care/community_advice_service/worried_about_debt.aspx
Debt Helpline 01324 506735
Falkirk CAB: 01324 723201
Denny CAB:01324 823118
Grangemouth and Bo’ness CAB: 01324 483467
For advice about heating costs:
http://www.falkirk.gov.uk/services/corporate_neighbourhood/housing/environmental_and_energy_issues/beat_the_freeze.aspx

Credit Union Contacts
Falkirk District Credit Union
Main Branch, 4 Station Road, Grangemouth
Tel: 01324 473695
www.falkirkcreditunion.co.uk|
Branches at:
Bo'ness – One Stop Shop
Bonnybridge Community Centre
Dawson Community Centre, Davids Loan, Langlees
Community Flat 26 Bridge Cresent, Denny, FK6 6PD
Denny CAB office
FDAMH – Victoria Street
Westquarter - Westquarter Community Project
Upper Braes Credit Union
Tel. 01324716231
Grangemouth Credit Union
One-Stop-Shop, 5 York Lane, Grangemouth
Tel. 01324 504539
St Francis Xavier & St Mary's Credit Union
Hope Street, Falkirk

National Contacts
National Debtline 0808 808 4000,
Money Made Clear http://www.moneymadeclear.org.uk
Scottish Illegal Money Lending Unit on 0300 555 2222.
Email – This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Website: http://stoploansharks.direct.gov.uk
Information on financial education: http://www.falkirk.gov.uk/services/corporate_neighbourhood/policy_performance_review/corporate_policy/community_regeneration/fairer_scotland_fund/financial_inclusion/financial_education/financial_education.aspx

Copyright © Angus MacDonald MSP 2017

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