If you are unable to make repayments to your HCCU loan please let us know. There are a range of options available including refinancing, payment holidays, shares to loans. Please do not just stop repayments as this will affect your credit file.

No one needs to struggle with debt alone – help is available

Please note that although Highland Communities Credit Union is not in a position to give official debt advice, we can point you in the direction of people who can help you.


What should I do if I am worried about debt?
If you’re struggling financially, you may want to talk to someone independent. StepChange Debt Charity provides free, impartial debt advice and solutions to anyone struggling with their debts.

StepChange can take a look at your full financial situation and recommend the best way forward from the many different solutions available. They help thousands of people every week and their service Is available to everyone, however big or small their debt problem.

For expert tailored debt advice, use their online advice tool at www.stepchange.org  or call their helpline on freephone 0800 138 1111 Monday to Friday 8am to 8pm, Saturday 8am to 4pm.

Citizens Advice Scotland

The Citizens Advice Service is made up of a network of independent charities which offer free advice online, over the phone or in person. They helped over a million people through face to face sessions last year alone, and offer clear, unbiased advice on issues such as money management and debt.

Telephone on 0808 800 0006 or visit their website on www.cas.org.uk.

National Debtline

National Debtline offers free, indpendent and confidential advice to people in debt, by phone and online. Last year National Debtline helped more than 285,000 people tackle their debts and manage their money wisely.

Visit their website on nationaldebtline.org or telephone 0808 808 4000 Monday to Friday, 9am to 8pm and Saturday 9.30am to 1pm.

Business Debtline

Business Debtline is the UK’s only free debt advice service for the self-employed and small businesses. Last year Business Debtline helped more than 40,000 businesses to tackle their debts, by phone and online.

Visit their website on businessdebtline.org or telephone 0800 197 6026 Monday to Friday 9am to 8pm.