Money
Guidance and support
Under the Armed Forces Covenant you shouldn't be commercially disadvantaged as a result of your service. Financial top tips for service personnel gives help on credit ratings, mortgages and loans, motor and home insurance, mobile and TV contracts. If you feel you've been disadvantaged in this respect contact your Army or RAF Families Federation for advice.
If you're dealing directly with a provider find out if they've signed the Covenant and what they pledged. Identify yourself as a member of the Armed Forces community and be aware that front line staff may not know about the Covenant so you may need to be persistent and explain this.
Jobcentre Plus and Universal Credit
Universal Credit full service is now in operation in Moray and Highland. If you need help with your application contact
Local money advice service
If you prefer to talk to someone in person, these organisations have local branches and offer advice on money management and other practical matters including benefits, pensions, housing and employment.
- Armed Services Advice Project (ASAP) provides independant, confidential advice to the Armed Forces community in Scotland. The service is delivered via Inverness, Badenoch and Strathspey, Nairn and Moray CAB and advisers are based at Nairn CAB. Please call 01667 456 677 or email asap@nairncab.casonline.org.uk
- Poppyscotland offers tailored support and funding for the Armed Forces community with a dedicated welfare centre in Inverness
- SSAFA gives practical and emotional support with branches in Inverness, Kinloss and a dedicated team on base at RAF Lossiemouth
- Veterans Welfare Services (VWS) gives one to one help and support and has a representative for north of Scotland based at RAF Lossiemouth
Other support organisations
- Gingerbread – expert advice and practical help for single parents on child maintenance, benefit or tax credit issues
- Joining Forces Credit Union – simple savings and affordable loans
- Moneyforce – help with personal financial management
- Naval, Army and RAF Families Federations – confidential help on a variety of matters
- Royal British Legion – practical support and advice
Pensions advice
- Armed Services Advice Project (ASAP)
- Estimate your Armed Forces pension
- Naval, Army and RAF Families Federations
- Pensions for Veterans
- Veterans UK