Money Matters

Money Matters provides advice to any resident of North Ayrshire on welfare rights, assistance or representation in relation to benefits.

You can access Money Matters services by:

  • Calling 01294 310456 (we’re open Monday – Friday, 9.30am – 4.30pm)
  • Emailing
  • Asking at your local Health and Social Care Partnership office. Home visits may be available if you are unable to visit a local office.

Our service and the advice we offer is free, impartial and confidential.

 Our team of specialist welfare rights advisers can:

  • Complete a benefit check for you

  • Confirm the benefits you are entitled to

  • Help you to make a claim for benefits

  • Help you to dispute benefit decisions

  • Help you to dispute benefit sanctions

  • Provide appeal representation

  • Provide welfare rights training

Universal Credit

Universal Credit is replacing six ‘legacy benefits’:

  • Housing Benefit
  • Income Based Employment Support Allowance
  • Income Based Jobseekers Allowance
  • Child Tax Credits
  • Working Tax Credits
  • Income Support

You can no longer make a new claim to these legacy benefits – you need to claim Universal Credit instead.

If your employment is stopping you should contact MoneyMatters for advice about when to make your Universal Credit (UC) claim.

If you are currently in receipt of any of the legacy benefits then the government will be ‘migrating’ your benefits to Universal Credit (from 2019–23).

Universal Credit claimants are experiencing significant problems with their claims including delayed payments, incorrect assessments, deductions from payments.

You can contact MoneyMatters Advice Line for advice regarding Universal Credit or other benefits

Disputing and appealing a benefit decision

If you disagree with a benefit decision you must ask for a mandatory reconsideration (on form CMRM1) within 1 month of the date of the decision. In certain circumstances, late mandatory reconsiderations will be accepted. 

If the decision is not changed you can appeal to an independent Social Security Appeal Tribunal within 1 month of the mandatory reconsideration decision. In certain circumstances, late appeals will be accepted.

When you appeal (on form SSCS1) you must enclose a copy of the Mandatory Reconsideration Notice. We can provide appeal representation at your appeal tribunal, providing your case complies with the legislation.

Contact MoneyMatters Advice Line for advice about disputing and appealing a benefit decision.


Many people have been affected by sanctions to their payment of Universal Credit, Employment Support Allowance and Job Seekers Allowance. These decisions can be challenged by asking for a mandatory reconsideration or appealing.

For more information, download our Benefit Sanctions leaflet (PDF, 119kb).

Devolved benefits to Scotland

The Scottish Government os being given responsibility for 11 benefits, including Disability Living Allowance, Personal Independence Payments, Carer’s Allowance. Payments will be administered by the new Scottish Social Security Agency in Dundee and Glasgow. The Scottish benefits system will be fully operational by 2021.

If you need advice with any of the benefits being administered by the Scottish Social Securit Agency, Money Matters team can help.

Money Matters in Partnership

Money Matters team is part of North Ayrshire Health and Social Care Partnership.

Contact us

  • To find out how we can help, please call 01294 310456 or email 
  • Money Matters, North Ayrshire Health and Social Care Partnership, Bridgegate House, Irvine KA12 8BD