The Coronavirus outbreak has led many people across Scotland to find themselves in a financially vulnerable position, either through losing their jobs or through uncertainty about payments for rent, utilities and basic necessities.

Our 24-hour confidential hotline will remain open throughout the ongoing lockdown. Call us for advice and support on 0800 074 0878 or use our online reporting form

Illegal money lenders (loan sharks) may look to take advantage of those who are most vulnerable at this time and who feel that they have nowhere else to turn for help. They are often based in the local community and, if you are in a financial crisis, they may seem friendly and accommodating at the start. However, they can cause people immense misery in the long term.

If you are in a desperate situation, it may seem tempting to borrow money from a loan shark as a quick fix; however, you could end up paying back much more than you originally borrowed.

There is always another option and please remember that you are not alone. No matter how bad your situation seems, help is out there.

If you are in desperate need of money, the following agencies can offer support.
Remember that you can call our helpline on 0800 074 0878 24 hours a day for advice and support.

• The Scottish Welfare Fund helps families and people in Scotland who are on low incomes by making Crisis Grants and Community Care Grants available to those in immediate need. The Scottish Government have added an extra £45 million to the Welfare Fund, which will be administered by local authorities.
• StepChange Debt Charity
  have information and advice for those worried about debt and the Coronavirus.
• The Money Advice Service has a guide to support that might be available to you and changes to the benefits system.
• Citizens Advice Scotland have information about accessing food banks and other emergency help in your local area.
• The Financial Conduct Authority (FCA) have advice on avoiding loan fee scams and a register of authorised lenders. The FCA have also introduced a package of temporary measures to help people with overdrafts, credit cards and loans

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