The financial well-being of Scotwest Members is our priority. If you are concerned about your ability to pay your mortgage or other Scotwest debt please get in touch with us straight away, either through online banking secure messaging or by calling 0141 227 2390 during office hours.


There are a variety of reasons you could find yourself struggling with debt, many of which can be beyond your control. According to the debt charity Stepchange, the top 3 reasons for calls to their helpline are:

  1. Reduced income
  2. Unemployment or redundancy
  3. Injury or illness

Most debt problems arise from personal loans or credit cards, however there is also a reported rise in people struggling with short term high-cost debts such as payday loans.

The organisations below are also sources of free help and advice when it comes to debt problems.*
A free confidential service to help achieve realistic solutions to debt problems.
Citizens Advice Bureau – providing free, confidential and impartial advice on debt.
The largest UK network of advice-providing organisations.
Helpline that provides free confidential and independent advice on how to deal with debt problems.

Struggling with debt can lead to feelings of depression or distress, the following organisations are there to help people in need of assistance:
A free and confidential helpline for anyone experiencing low mood, anxiety or depression and who needs someone to talk to.

Provides confidential emotional support for people experiencing feelings of distress or despair.

What Are You Entitled To?

There are also a number of websites you can check to make sure you are claiming all of the benefits and tax credits you are entitled to:
These money advice services offer free and impartial money advice.
A one stop shop for those who have money problems or are seeking general help with their financial worries
HM Revenue and Customs – information on tax credits and most child-related benefits.
Supporting people of working age during the process of welfare into work.
Providing information for pensioners or people planning their retirement.
Information and advice for lone parents in Scotland.
Provides support for older people.
Tax help for those on low incomes.

Inverclyde Money Advice Service
If you live or work in the Inverclyde area the Money Advice Service offers help and advice for those struggling with debt either over the phone on 01475 715 299 or via online chat on their website.

Your local authority website can also be a source of advice specific to your area.


At Scotwest, we help members who are struggling with their Scotwest loans. If you are experiencing debt problems, make sure that you get help straight away by speaking to your lender in the first instance before it spirals out of control.