Debt
Information Guides
Debt:Frequently Asked Questions
Through our helpline we receive enquiries spanning a wide range of different topics. Here is a selection of those most asked:
Can I get a reduction of Vehicle Excise Duty?
If you are disabled you may be entitled to a reduction or exemption of vehicle tax. The vehicle must be registered in your name or a specific driver’s name and must only be used for your personal needs.
You can apply for exemption if you get the:
- higher rate mobility component of Disability Living Allowance (DLA)
- Enhanced rate mobility component of Personal Independence Payment (PIP)
- enhanced rate mobility component of Adult Disability Payment – mygov.scot
- War Pensioner’s Mobility Supplement
- Armed Forces Independence Payment
You can get a 50% reduction in vehicle tax if you get the Personal Independence Payment or Adult Disability Payment standard rate mobility component Adult Disability Payment – mygov.scot
You can find out more here Vehicles exempt from vehicle tax – GOV.UK (www.gov.uk)
What help is there with energy costs?
Energy costs used to be a worry in winter but now bills can be a challenge all year round.
The good news is there are different grants and schemes available to help people improve the heating in their homes and keep heating costs down.
Home Energy Scotland is a free energy advice service funded by the Scottish Government to help people save money and keep their homes warmer. They offer simple energy saving tips, and know about funding schemes and how to access them.
Their website Home Energy Scotland offers help with finding funding, reducing your bills, making your home warmer and living a greener life. You can call them on 0808 808 2282
Debt:Search for Local Organisations
Our quick search tool can connect you to over 3000 service providers, suppliers and organisations supporting people across Scotland. To find support near you, simply enter your search term and select your local authority.
| Organisation | Description |
|---|---|
| Challenge Breast Cancer Scotland | Independent breast cancer advocacy organisation |
| Challenger Children’s Fund | Aims: To give financial help to physically disabled children under the age of eighteen who reside in Scotland Summary: Funding is provided to meet a specific need not covered by statutory sources, e.g. clothing, apparatus, equipment, household applianc… |
| CHANGE | Support for people with learning disabilities & sensory impairments |
| Change Mental Health | For 50 years, our mission has remained the same: to help and support people affected by mental illness. We are Change Mental Health. At Change Mental Health, we place people at the heart of what we do, provide transformational support, and work in and… |
| Changing Faces | Changing Faces is a national charity for children and adults who are living with conditions, marks or scars that affect their appearance. |
| Changing Places UK | The Changing Places Toilet UK Consortium campaign on behalf of the thousands of people with profound and multiple learning disabilities and their carers, and the many other disabled people who cannot use standard accessible toilets. Providing Changing… |
| CHAP | Aims: To provide advice, information and advocacy support on housing, debt and welfare rights issues. Services provided: • Housing Advice and Advocacy • Welfare Rights advice • Debt Advice • Assistance for those facing mortgage repossession • Homelessn… |
| Chest Heart and Stroke Scotland | Support organisation for people with chest, heart & stroke conditions |
| Child Bereavement UK | Child Bereavement UK supports families and educates professionals when a baby or child of any age dies or is dying, or when a child is facing bereavement. Every year we train more than 10,000 professionals, helping them to better understand and meet t… |
| Child Brain Injury Trust (Scotland) | Provide support to children and families with acquired brain injuries |