Money advice

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If you are on a low income and are experiencing financial problems or suffering from financial hardship,  Argyll and Bute Council  can help in a number of ways :

The first vital step in taking control of your finances is to create your own personal budget plan. Our user friendly budget planner is free to use and should only take minutes to complete if you have all your financial information to hand.

Are you on a low income and require advice or help about benefits or money matters?

Argyll and Bute Council provides a comprehensive Welfare Rights service across Argyll and Bute to help make sure people on low incomes are receiving the statutory financial help they are entitled to.

You can get an up to date guide to benefits rates in our Benefits Quick Guide 2017.

For more information on this service please call 01546 605517 or use our online form

Money Skills ArgyllMoney Skills Argyll Project is about helping people who live across Argyll and Bute, aged 16 and over, living in a jobless household, living in a single adult household with dependent children, or low income employed. We will help you to be more in control of your money with help, advice and support with Debt Advice, Money Advice, Computer Skills, Money Management, Income Maximisation and Affordable Warmth / Fuel Poverty.

Find out more about how Money Skills Argyll can help you and how to get in touch with them here

Alternatively  the  Department of Work and Pensions  also provides comprehensive advice for people on a low income.

Do you require help managing debt problems?

Argyll and Bute Council’s Money Advice Team informs customers about the Debt Arrangement Scheme.

Under the Debt Arrangement Scheme, a single regular payment is made to an approved payments distributor. If you keep to the agreed payments, your creditors cannot carry out enforcement action against you. Likewise, creditors are unable to take enforcement action against a debtor who has intimated an intention to apply for a debt payment programme or has an application awaiting approval for more information,

The Debt Arrangement Scheme also freezes interest, fees and charges on your debt, from the date your Debt Arrangement Scheme debt payment plan is approved.

For further information about Debt Management visit:

Or call the Money Advice team on 01546 604176 or 01546 604326


imageIllegal moneylenders, or loan sharks, are people or organisations who lend money to people without a credit licence. It is estimated that there are more than 200 active loan sharks in Scotland. 

Loan sharks can ruin lives. They can charge very high interest rates on loans which they often never allow their victims to fully repay. If a borrower can’t repay, they can be subjected to threats, violence or forced into criminal activities.

Friends, family and victims can help stop loan sharks by reporting them anonymously by phone 0800 074 0878, text 60003 or online

If you require any advice regarding illegal money lending you can also contact Trading Standards.

Are you suffering from extreme financial Hardship?

If you are suffering from extreme financial hardship, for example you have no money left to buy food, your local Social Work Team may be able to help. They can provide non-financial assistance such as food parcels or vouchers.

To be put in touch with a Social Work officer please call 01546 605517