Financial Help - We Are Here to Help

Need some general money advice or facing a particular financial issue? Call our Income Team on 01387 321300 and they can provide you with assistance. Do not suffer in silence our Income team are well equipped to help our customers with information and advice on a range of different benefits and support agencies.

You may qualify for benefits which could help boost your income and manage your spending and your debts better. We can assist with maximising your household income ensuring you are in receipt of all benefits which you are entitled too. Find out more information below, or contact our Income Team on 01387 321300.

Scottish Welfare Fund

Dumfries & Galloway Council manage Crisis Grants from the Scottish Welfare Fund to offer a safety net in the event of a disaster or emergency.

A crisis grant may help if:

  • you experience a disaster (like a fire or flood).
  • you have an emergency (like losing money or having to use all your money to visit a sick relative in hospital).
  • you need help with costs that have arisen as a result of emergency or disaster, to keep you and your family safe from harm.

The help you could receive depends on the problems you may be facing. You might get money or another form of support such as a voucher, fuel card or furniture.

A Crisis Grant could help if your benefits were stopped or suspended and you didn’t have money for electricity or food.

You can contact the Scottish Welfare Fund team online or call Dumfries & Galloway Council on 0303 333 3007 who will be able to help you with the application process.  Alternatively, contact our Income Team on 01387 321300 who will assist you with your claim.

Are You in Debt With Gas or Electricity?

If you’re in debt with your electricity or gas supplier thanks to cold weather and rising energy costs, Loreburn and the British Gas Energy Trust may be able to help.

The British Gas Energy Trust, which incorporates the Scottish Gas Energy Trust, is an independent Charitable Trust that contributes to the relief of poverty, with a particular focus on fuel poverty, helping those who are struggling to pay for their energy consumption get back on their feet and remain debt free in the future.

Jo Weir, Housing Manager (East) said: “A recent case we had was a tenant who was struggling to heat his home adequately, as every time he topped up his meter, £5 was taken to help clear an arrear on his account. A referral was passed to the charity Shelter, who submitted a request for help to the British Gas Energy Trust. An award was made of £1,050, which cleared the arrears balance in full. The tenant was absolutely delighted with this outcome.”

If you are struggling with your energy costs and would like to talk to us, please contact our Income team on 01387 321300.

Are You Over 65? You May Be Eligible for Attendance Allowance!

Are you over the age of 65? Do you need extra help to manage your illness or disability? If so, you could be eligible for an Attendance Allowance - and the team at Loreburn Housing are on hand to help you with your application.

Jo Petherick, Income Services Officer explained: “The Housing Team have recently been carrying out their annual visits to all of our tenants. During one visit, the tenants advised us that they were struggling to manage financially due to chronic ill health. They told us that they had applied for Attendance Allowance some time ago, but had been turned down.

I arranged to visit to help them complete a new application. Three weeks later, the tenants were delighted to report that they had been granted the higher rate Attendance Allowance of £82.30 per week, with a backdated payment to the date that the application form had been requested.”

If you would like further advice about claiming Attendance Allowance, contact our Income Team on 01387 321300.

Be Aware of Loan Sharks & Payday Loans!

Loan Sharks1

Loan Sharks

Money lenders who operate without authorisation from the Financial Conduct Authority are termed Loan Sharks.

They generally charge high rates of interest, do not provide any paperwork stating any agreements made, and often take illegal action, such as threatening behaviour, violence or reposession of valuables if debts are not paid.

Trading Standards Scotland can offer immediate and long term support to help you move away from using Loan Sharks.

They can provide a wide range of free services including; Debt Advise, Income Maximisation, Credit Unions, Addiction Councelling, Local Support Groups , and Adult Learning.

If you need any confidential advice, or wish to report a suspected Loan Shark, contact The Scottish Illegal Money Lending Unit on 0800 074 0878.

Payday Loans

There are many companies who provide easily available short term loans, however, the interest rates which they charge can be very high. 
This can lead to further difficulty when having to pay back the money.

Do not struggle alone, we can provide help and advice!

Other Impartial Money Advice

Our Income Team are more than equipped to guide and assist you with all areas of Money Advice, however there are other agencies who also provide free and impartial monetary advice.

Home The Citizens Advice Bureaux can help with all aspects of consumer affairs visit them online by clicking on the icon or call them 034 540 405 06.

Help with School Clothing and Meals

Dumfries & Galloway Council offers assistance to families in receipt of certain qualifying benefits to help with the costs of buying school uniforms and providing school meals.

School Clothing

The award of clothing grants is to assist with the cost of school clothing for families who are on a qualifying benefit or on a low income.

Grants will not be awarded to pupils aged 16 (or who turn 16 between 1 March and 30 September) until after the summer holidays. The school will be required to confirm attendance.

Clothing grant payments from Dumfries and Galloway are now paid directly to the applicant's bank account. You must fully complete the method of payment election form attached to the application.  Payments can't be made to Post Office accounts.

School Meals

All pupils in Primary 1, 2 and 3 are given free school meals throughout Dumfries & Galloway.  However, free school meals are available for local families on qualifying benefits for older pupils at primary and secondary school in certain situations. Your child will receive free school meals if you receive any of the benefits detailed below.

Qualifying Entitlements

  • Income Support
  • Jobseeker's Allowance (Income based)
  • Employment and Support Allowance (Income based)
  • Child Tax Credit on its own, with an annual taxable income of less than £16,105 (subject to change)
  • Child Tax Credit and Working Tax Credit with an annual taxable income of less than £6,420 (subject to change)
  • Support under Part VI of the Immigration and Asylum Act 1999
  • Universal Credit

You must notify the Education & Services Department if there are any changes to your financial circumstances.

How to Apply

To apply for assistance with School Clothing and meals you can call 01387 260493, visit your local DG Customer Service Centreor contact:

Education Support Service
Children, Young People & Lifelong Learning (CYPLL)
St Teresa's Education Centre
Lochside
Dumfries
DG2 0DY