https://forum.royalnavy.mod.uk/topics/financial/Find out what companies offer bespoke services to the Armed Forces, link into financial and legal resources and services, whether its insurance or visa applications this area provides the signposting you need including Cost of Living advice area. en-USTelligent Community 12https://forum.royalnavy.mod.uk/topics/financial/f/forum/2039/railcards/8818Mon, 23 Feb 2026 14:03:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:2d478069-45f9-4a45-8814-496e0553bea3MamaGrangeThank you for the reply.https://forum.royalnavy.mod.uk/topics/financial/f/forum/2039/railcards/8816Mon, 23 Feb 2026 13:51:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:0bfb9ac1-80d9-4aea-ab33-40d6fcc7505fRN Forum ModeratorAfternoon MamaGrange This link explains eligibility - HM Forces Railcard Regards Colin - Duty RN FPS Digital Moderatorhttps://forum.royalnavy.mod.uk/topics/financial/f/forum/2039/railcardsMon, 23 Feb 2026 13:40:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:e95d76b9-6ab9-4504-885c-b48a0fb8c63dMamaGrangeHi just an overall question. I see family members of serving personnel can request a railcard. My son is 18 are parents allowed to be a part of that request or is it only spouses/partners ?https://forum.royalnavy.mod.uk/topics/financial/f/forum/2010/single-person-council-tax-discount/8728Wed, 11 Feb 2026 16:02:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:de84ffd5-cf95-489f-a755-e6441f560ca0ASK INFOGood Afternoon, it would be worth checking with your local council again now that you have provided a current address to see if they need any further evidence. If so, if your serving person contacts their local UPO they will then be able to clarify about this and if need be, may be able to provide evidence that CILOCT is being paid in order to support your application. I hope that helps.https://forum.royalnavy.mod.uk/topics/financial/f/forum/2010/single-person-council-tax-discountTue, 10 Feb 2026 21:47:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:5cc5a87f-57f7-4b0e-a384-42c5afd97debLeela HughesI wondered if anyone has had similar issues in applying for single person council tax. My local council have issues with my son not having a permanent address, and are therefore suggesting he is part of my household. I have given them his current address at HMS Collingwood but this will only be for 6 months. Can anyone advise?https://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/citizens-advice-bureauSun, 02 Mar 2025 17:04:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:14e285ef-2e55-4d7f-a9b2-629c1514d951RN FPS HQCitizens Advice Bureau (CAB) helps people resolve their legal, money and other problems by providing free independent and confidential advice. FIND OUT MORE: England Northern Ireland Scotland Wales_ Alternatively, you can contact SAIL , which is specific support for Seafarers or contact ASK INFO for further guidance.https://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/non_2d00_uk-nationalsSat, 01 Mar 2025 07:58:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:71dd7ab1-9b1e-40ea-b4a3-b4465b6778edRN Forum ModeratorA selection of benefits are available to non-UK nationals (Commonwealth, Gurkhas and Nepali citizens, British National (Overseas) citizens, British Overseas Citizens and British Overseas Territory Citizens) serving in the Armed Forces: Family members . Once you have completed initial training you will be earning enough to bring your spouse or partner plus one child to the UK, subject to them meeting the criteria set out in the immigration-rules-appendix-armed-forces . As your earnings rise, you will be able to bring additional qualifying children to join you, subject to them meeting Home Office criteria. The additional benefits that are then available to those family members can be found on the family members benefit page Immigration Control status exemption . You are exempt from UK immigration control for as long as you remain in Regular service, which means that you do no have to pay visa fees during your service. Credit Union savings scheme towards visa costs for self and family. There are Armed Forces credit unions to help you save for the cost of travel and visas for you and your family. Loans are also available, subject to status. Go to the joining forces credit union website for more information. Waiver of settlement (Indefinite Leave to Remain/Enter) fee on discharge if you meet all the Home Office criteria and: have served at least six years at your point of discharge from service are discharged on medical grounds with a condition attributable to service irrespective of length of service a veteran who has served for at least six years or was discharged on medical grounds with a condition attributable to service and is currently living in the UK and has not yet regularised their immigration status. FIND OUT MORE: https://discovermybenefits.mod.gov.uk/royal-navy/service-benefits/additional-benefits-for-non-uk-nationals/ https://nff.org.uk/uk-visas-citizenship/#:~:text=UK%20Visas%20%26%20Citizenship,-Immigration%20Rules%20Changes&text=If%20you%20are%20planning%20to,you%20have%20the%20correct%20information . Further information from internal resources can be supported by ASK INFOhttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/joining-forces-credit-unionWed, 01 Jan 2025 12:11:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:f7f5cad6-2c5e-4026-b478-efc8ac8ecbf1RN Forum ModeratorJoining Forces Credit Union is the not-for-profit Credit Union specific to the Armed Forces, that offers loans and savings accounts at competitive rates. Find out more at www.joiningforcescu.co.uk and https://discovermybenefits.mod.gov.uk/civilian/financial/joining-forces-cu and read the Joining Forces Credit Union information PDF below: Download full PDF below:https://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/power-of-attorneyFri, 15 Nov 2024 16:03:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:6b1fd5a3-7623-406c-8668-e3508521f66fASK INFOPower of Attorney are legal documents with which you give someone power to look after your finances and/or your health and welfare. There are two main types. Permanent powers of attorney can only be used if you lose mental capacity to make decisions for yourself and general or ordinary powers of attorney where you give someone power to manage your finances in specific circumstances. If you only want someone to be able to use your bank account, you can ask your bank to set up a third-party mandate. FIND OUT MORE www.gov.uk/power-of-attorney/overviewwelfareHealthpower of attorneyFinanceshttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/willsFri, 15 Nov 2024 15:58:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:7994c2df-1734-48a7-a1db-11e8886695a4ASK INFOService Personnel have the choice of using the MOD Will Form which is held centrally by the MOD or to get one completed externally For family members there are many Solicitors you can use to support writing your legal Will or alternatively there are many companies/charities that can provide support too. Having a Will makes things easier when a person passes away as it will state how your estate/possessions should be dealt with and who it goes to. If you are unsure what you need: FIND OUT MORE Citizens Advice GOV.UK Armed Forces Charities that offer Will Services: Royal Navy Royal Marines Charity Royal British Legion Combat Stress SSAFAArmed Forces CharitiesWillFree Will Writing ServicewillsRoyal British LegionRblhttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/law_5f00_soc_5f00_niFri, 15 Nov 2024 15:56:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:dcb51103-8c8c-491c-adbe-20d8216037d4ASK INFOThe Law Society of Northern Ireland is the professional body for the solicitors' profession in Northern Ireland with the aim of protecting the public. FIND OUT MORE https://lawsoc-ni.orgsolicitorsLaw Socety Northern Irelandhttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/law_5f00_soc_5f00_scotFri, 15 Nov 2024 15:55:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:dd25d564-bd90-4478-967d-40223004bd14ASK INFOThe Law Society of Scotland is the professional body for over 13,000 Scottish solicitors and was established in 1949. They have an overarching objective of leading legal excellence, and strive to excel and to be a world-class professional body, understanding and serving the needs of their members and the public. As part of their regulatory duties, they set and uphold standards to ensure the provision of excellent legal services and ensure the public can have confidence in Scotland’s legal profession. FIND OUT MORE: www.lawscot.org.uksolicitorsLaw ScotlandLegal Supporthttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/legal_5f00_aidFri, 15 Nov 2024 15:54:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:1670b3fd-bd3e-479c-864d-07ba6a8e07ceASK INFOGOV.UK offers a search engine to help you find a Legal Aid Advisor or Family Mediator that have a Legal Aid contract within England and Wales. FIND OUT MORE http://find-legal-advice.justice.gov.uk/ For support in: Scotland: https://www.mygov.scot/legal-aid Northern Ireland: https://www.justice-ni.gov.uk/Gov.ukhttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/law_5f00_soc_5f00_eng_5f00_walesFri, 15 Nov 2024 15:03:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:bcf238ea-4ef7-413b-ae3a-401a0e1d28a6ASK INFOThe Law Society holds details of Solicitors across England and Wales, including those that are members of Forces Law . FIND OUT MORE: www.lawsociety.org.ukLaw SocietyThe Law SocietysolicitorsForces Lawhttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/unbiasedFri, 15 Nov 2024 14:54:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:1366fa86-df43-4e7a-b585-840aaf844899ASK INFOUnbiased empowers people to make confident financial decisions, from buying a house to planning for retirement. Not only can they connect you quickly and easily to the best experts, they can also help you choose the right type of advice to help you achieve your goals. Here you will find support via a Financial Advisor, Mortgage Broker, Insurance Broker or Accountant, or you can 'Grow your Financial Savvy' with specific topical guides. FIND OUT MORE: www.unbiased.co.ukPensionsUnbiasedhttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/government-help-with-childcare-costsFri, 15 Nov 2024 14:52:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:98f8120d-94e9-40b7-b071-999414ad95feASK INFOChildcare costs can become a large monthly expenditure on top of other bills, etc. Support is provided by UK Governments to reduce the costs to parents. FIND OUT MORE: For England & Wales: www.childcarechoices.gov.uk For Scotland: https://www.mygov.scot/childcare-costs-help For Northern Ireland: https://www.nidirect.gov.uk/articles/help-paying-approved-childcare Wrap Around Childcare - for Armed Forces Personnel: https://www.gov.uk/guidance/childcare-for-service-children If you should need any support with this information then please message ASK INFOchildcare choiceschildcare costshttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/department-for-work-and-pensionsFri, 15 Nov 2024 14:50:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:f076c70b-4508-4e0e-8673-67f57fdd88e8ASK INFOThe Department for Work and Pensions (DWP) provides support with employment, benefits, and pensions. FIND OUT MORE: www.gov.uk/government/organisations/department-for-work-pensions/aboutDWPBenefitsWorkPensionsDepartment for Work and Pensionshttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/payplanFri, 15 Nov 2024 14:49:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:3094cf36-ecea-4a3b-b2b7-764a7d48fccbASK INFOPayplan offer simple Debt advice to any one who needs it - helping people become debt-free through clear, honest advice and debt solutions that work. A variety of information, advice and guidance is provided on their website, where you can also contact them to speak with an advisor. FIND OUT MORE www.payplan.com Tel: 0800 316 1833 If you would like any further support please message ASK INFOPayplanFinancial WellbeingMoneyFinancial EducationFinanceshttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/national-debtlineFri, 15 Nov 2024 14:41:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:c2dd4f84-84b6-446f-9942-c9f135bc1dcdASK INFONational Debtline are an independent advice charity which offers free debt advice and useful information. FIND OUT MORE: A-Z of Debt Advice : including sample letters and support resources. Easy to read impartial expert topical information : Debt, Credit Checks, Bailiff Support and more! www.nationaldebtline.org Contact: Webchat Tel: 0808 808 4000 If you'd rather not talk, you can get tailored advice about dealing with your debts from My Money Steps . Available 24/7.Debt AdviceNational DebtlineFree Debt AdviceMoneyhttps://forum.royalnavy.mod.uk/topics/financial/b/announcements/posts/step-change-debt-charityFri, 15 Nov 2024 13:56:00 GMTb28a645c-0ea2-4600-866f-e043a0fddeae:9af97e39-da75-4c35-8137-1e5b0e22de87ASK INFOStep Change Debt Charity offers free debt advice and money management support. FIND OUT MORE www.stepchange.org Tel: 0800 138 1111Step Change Debt CharityDebt AdviceStep ChangeFree Debt AdviceMoney