Are you worried about

Debt, Benefits,

or Housing?



As a trusted charity, CHAP has been providing free, independent advice and support to people across Ayrshire for over 25 years.

We're here to help.
Tell us what you need...

Worried about mortgage payments?


The AHAP service provides free financial advice and legal support for homeowners in Ayrshire who are experiencing financial difficulties and are unable to maintain their mortgage payments.


AHAP is a partnership between CHAP and Govan Law Centre and is funded by the Scottish Legal Aid Board.

MORE INFO

REFERRALS


To make an appointment with an adviser, or to refer someone, please select the relevant link below.

REFER YOURSELF REFER SOMEONE ELSE*

*For North Ayrshire Council staff, please complete this form.

DONATIONS


What our clients said:

“The staff and services were very helpful and friendly at a difficult time and you were there just when I needed it.”

“I had no complaints whatsoever. I was delighted with the help I received. It put my mind at ease and left me stress free.”

"You have been very helpful and helped me decide how to move forward with my life."

“100% fantastic service, not one single complaint. I would like to thank my adviser for all her help and would highly recommend – the service she provided couldn't have been better”

"My adviser listened and responded in an empathetic way at all times. Having never had to ask for help before, I was made to feel at ease."

“Friendly and knowledgeable staff. Made me feel welcome and I left feeling empowered and well informed of what was available to me.”

"I don’t know what I would’ve done without CHAP. I had a thoroughly positive experience and would definitely recommend the service."

“Extremely happy with the service. I wouldn't be where I am just now without the staff at CHAP. I will return in future if needs be”

“The service was brilliant, cannot talk highly enough of the service and will be recommending CHAP to others. I am very grateful for my advisor’s help and will not hesitate to come back for help in the future for myself and my son”

“Everything was dealt with very well and I was always kept informed. CHAP is the best service for finance help as everything was dealt with fast everything was explained clearly”

“100% fantastic service, not one single complaint. I would like to thank my advisor for all her help and would highly recommend – the service she provided couldn't have been better”

“The service and staff were great & so helpful. I wouldn't have known about PIP if it wasn't for CHAP & will be back in the future for any renewal forms”

“The service is great. I was always made to feel at ease and that staff were willing to listen to any questions/issues. The staff were very helpful”


Latest News...

by John Edgar 21 July 2026
For many of us, warm weather is something to look forward to. It's a chance to spend more time outdoors, enjoy the garden, have a barbecue with friends and family, and let the children play outside for longer. But when everyone is spending more time outside, it's not unusual for the occasional disagreement with neighbours to arise. Loud music and late-night gatherings, smoke drifting from a barbecue, an overgrown hedge or parking issues can quickly become a source of frustration if they're not handled carefully. The good news is that most neighbour disputes can be resolved before they become serious. A little understanding, communication and consideration can go a long way towards keeping the peace while allowing everyone to enjoy the summer. A little give and take Living in a community means accepting that we all have different lifestyles and routines. Children will laugh and play outdoors, people will cut their grass, friends may gather for the occasional barbecue and neighbours may be carrying out DIY or gardening projects while the weather allows. These are all part of everyday life and, in most cases, are considered reasonable activities. At the same time, everyone has a responsibility to be considerate of those around them. Excessive noise late into the evening, repeated disturbances or behaviour that causes alarm or distress can have a real impact on neighbours' wellbeing and enjoyment of their own home. Finding the right balance benefits everyone. Common issues during the summer Some of the most common causes of neighbour disagreements include: Loud music or parties continuing late into the evening. Barbecue smoke affecting neighbouring gardens or homes. Garden bonfires causing excessive smoke. Dogs barking for long periods when left outside. Overgrown hedges or trees encroaching onto neighbouring property. Parking disagreements. DIY or the use of power tools early in the morning or late at night. Rubbish or waste attracting pests. Alcohol-related disturbances. Threatening and abusive behaviour. Racially aggravated behaviour. Persistent anti-social behaviour. Of course, not every annoyance amounts to anti-social behaviour or a legal nuisance, but persistent or unreasonable behaviour may need to be addressed. Start with a friendly conversation If you feel comfortable doing so, speaking to your neighbour should usually be the first step. Many people are genuinely unaware that they're causing a problem. A calm conversation at the right time can often resolve matters quickly without damaging your relationship with them. When speaking to a neighbour: Choose a time when everyone is calm. Explain how the issue is affecting you rather than making accusations. Listen to their point of view. Try to agree on a practical compromise. Avoid confronting someone while emotions are running high or after a noisy gathering, as this can often make the situation worse. If the problem continues If you've tried to resolve the issue informally but nothing changes, it can be helpful to keep a record of what's happening. Make a note of: Dates and times. Location of the incident. What happened. How long the issue lasted. Who else witnessed the incident. How the incident affected them. Any conversations you've had about it. If any official action was taken (called police/reported to ASB or to landlord etc.) Any supporting information - witness names/videos/photos/voice recordings etc. Keeping an accurate diary can be useful if you later need to report an ongoing problem. It's also important to avoid retaliating. Responding with more noise, arguments or social media posts about your neighbour rarely improves the situation and can make resolving the issue much more difficult. Who can help? Depending on the nature of the problem, different organisations may be able to assist. Your landlord or housing provider If you rent your home, your landlord or housing association may be able to help where there are breaches of tenancy conditions or ongoing neighbour disputes. Many landlords have procedures for investigating complaints and encouraging tenants to resolve issues appropriately. Your local council Scottish local authorities have powers to investigate certain environmental issues, including statutory noise nuisance and other environmental health concerns. Councils may ask residents to keep a diary of disturbances and, in some cases, may install noise monitoring equipment where persistent problems are reported. Environmental Health teams can also investigate issues such as excessive smoke from bonfires, accumulations of waste or other matters affecting public health. Police Scotland If behaviour becomes threatening, intimidating or criminal, or involves vandalism, assault, hate crime or serious anti-social behaviour, you should contact Police Scotland. For non-emergencies, call 101. If someone is in immediate danger or a crime is taking place, always call 999. Understanding anti-social behaviour in Scotland Under the Antisocial Behaviour etc. (Scotland) Act 2004, anti-social behaviour is generally behaviour that causes or is likely to cause alarm or distress to others who are not part of the same household. However, not every disagreement between neighbours falls within this definition. For example, hearing children playing in the garden, someone mowing their lawn during reasonable hours or an occasional family barbecue would normally be considered as just part of everyday living. Each situation is considered on its own facts, taking into account how often it happens, the time of day, the level of disturbance and whether the behaviour is considered reasonable. Rights and responsibilities Everyone has the right to enjoy their home without unreasonable interference. Equally, everyone has a responsibility to use their home in a way that respects the rights of those living nearby. Being considerate can often prevent disputes before they begin. If you're planning a gathering: Let your neighbours know in advance if possible. Keep music at a reasonable level. Encourage guests to leave quietly. Move celebrations indoors later in the evening if noise is likely to travel. Clear away litter promptly. Small gestures like these can make a big difference. Looking after your wellbeing Neighbour disputes can be stressful and may affect your sleep, mental wellbeing and sense of security. If you're finding the situation overwhelming, don't struggle alone. Speak to family or friends, seek advice early and avoid allowing problems to build up over time. Equally, if someone raises a concern with you, try not to take it personally. A respectful conversation may prevent a small issue from becoming a lasting disagreement. How CHAP can help While CHAP does not mediate neighbour disputes or investigate complaints, our Housing Advisers can provide advice on housing rights and responsibilities, explain what options may be available and help you identify the most appropriate organisation to contact if further support is needed. If you're unsure where to turn or you're worried that a housing issue is beginning to affect your wellbeing or your tenancy, we're here to listen and help you understand your options. Sometimes, getting advice early is the best way to prevent a small problem becoming a much bigger one. Need housing advice? If you're experiencing housing difficulties or have questions about your rights and responsibilities, get in touch with CHAP on Freephone 030 0002 0002 . Our friendly team provides free, confidential and impartial advice to people across Ayrshire. Please note: the content of this article is intended as general guidance and does not constitute legal advice.
by John Edgar 6 July 2026
We're delighted to announce that CHAP has been selected as one of 23 projects across Scotland awarded a share of nearly £2.2 million to help empower people to live well and take control of their health and wellbeing. The Self Management Fund is administered by the Health and Social Care Alliance (the ALLIANCE), with the grant awards helping organisations to support people living with long term conditions, disabled people and unpaid carers. Delivered over a 3-year period, the grant award of £141,542 will allow CHAP to move beyond traditional advice provision and embed self-management principles throughout the advice and advocacy journey. Rather than treating self-management as a separate service, the project will integrate confidence-building, anticipatory planning, system navigation, resilience, and behavioural change within their existing advice pathways. The overall aim is to support individuals to move from reactive crisis management towards greater independence, control, resilience, and sustained self-efficacy. Projects the length and breadth of Scotland received one-to-three-year funding to deliver their projects. The fund supports people with long term health conditions, disabled people and unpaid carers: with this latest round focused on helping people early on; levelling up population health; and supporting people on waiting lists. Self management is a way of living and working that means people living with long term conditions feel more in control of their own health and wellbeing. It supports people to live their lives better, on their terms. Debbie Alexander, CEO at CHAP said: “ We are delighted to receive this funding from The ALLIANCE. This will empower disabled people, people living with long-term conditions, and unpaid carers across North Ayrshire to build confidence, access the support they need, and take greater control of their lives. By embedding self-management throughout our advice and support services, we can help people move beyond crisis management and towards greater independence and resilience .” Sara Redmond, Chief Officer, at the Health and Social Care Alliance, said: “ Self management plays a vital role in person centred care, an approach that treats people as partners in their own care. And we’re proud to continue supporting third sector projects that make a difference. By backing work that focuses on early support, tackles health inequalities, and helps people waiting for care, we can strengthen learning about how these prevention methods are built into Scotland’s health and social care services .” This investment from the Self Management Fund, administered by the ALLIANCE, is made possible by the continued support and investment from the Scottish Government. The ALLIANCE is the national third sector membership organisation for the health and social care sector, representing 3,500 members. To find out more and view the list of funded projects, please visit: https://www.alliance-scotland.org.uk/blog/news/new-self-management-projects For over 25 years, CHAP has been providing free, independent, confidential advice and advocacy services to help people with housing, benefits, and debt related issues.  To arrange an appointment with one of our advisers, call Freephone 030 0002 0002 .
by John Edgar 29 June 2026
Make Your Money Go Further For many families, the arrival of the school summer holidays isn't something to look forward to. For many parents and carers, the six-week break can also bring extra financial pressure. With children at home all day, it's natural to spend more on food, activities, travel and treats. Even small purchases can soon add up, leaving household budgets feeling more stretched before the new school year has even started. The good news is that enjoying the summer doesn't have to mean spending lots of money. A few simple changes can help your budget go further while still making the holidays enjoyable for everyone. Some of the best memories come from the simplest activities, whether that's building sandcastles on the beach, exploring your local area, baking at home or enjoying a picnic in the park. Spending quality time together can make happy memories that will last long after the school term begins again. Here are six practical ideas to help keep costs down this summer: 1. Plan a weekly 'no-spend' day Instead of feeling like you need to fill every single day with activities, why not challenge the family to enjoy one day each week without spending any money? A 'no-spend day' can be surprisingly fun! Visit a local beach, head to a nearby park, go on a woodland walk, have a picnic using food you've already prepared at home, or organise a treasure hunt around your garden or neighbourhood. If the unpredictable Scottish weather isn't on your side, try building a den indoors, having a family board game tournament or enjoy a film afternoon complete with homemade popcorn and fruit squash. Children often remember the time spent together more than how much money was spent. 2. Make the most of what you already have Before heading to the supermarket, why not take a look through your cupboards, fridge and freezer? Chances are, you already have enough ingredients to create several meals without buying lots of extras. Planning meals for the week can help reduce food waste and avoid those expensive last-minute trips to the shop. It can also be a great opportunity to get children involved in choosing meals or helping with simple cooking tasks. Tip: Looking for budget-friendly recipe ideas? If you'd like some inspiration, take a look at The Batch Lady , whose YouTube channel provides free recipes and meal planning steps and tips to help you prepare affordable family meals in advance. If you're heading out for the day, preparing sandwiches, snacks and refillable drinks before you leave can work out much cheaper than buying food for everyone while you're out and about. It's those little purchases - an ice cream here, a bottle of juice there - that can quickly add up over six weeks. 3. Look for free fun close to home You don't need to travel far or pay expensive admission fees to enjoy a great day out. Ayrshire has plenty of fantastic places to explore, from beaches and country parks to walking routes and play areas. Many local libraries also run free activities, reading challenges and craft sessions during the summer holidays, while community groups often organise free, family events throughout July and August. Before planning an expensive day out, just take a few minutes to see what's happening in your local area (Facebook is ideal for this). You might be surprised by how many free or low-cost activities are available right on your doorstep! 4. Team up with friends and family Summer is often more enjoyable - and more affordable - when families work together. Meeting up with friends or relatives at a local park or beach can turn a simple afternoon into a memorable day out without anyone spending very much. You could share picnic food, organise games for the children or take turns hosting activities at home. Not only can this reduce costs, but it also gives the kids a chance to socialise while the adults share ideas and support each other. 5. Keep one eye on the new school term While it's important to enjoy the holidays, it's also worth remembering that the new school year isn't too far away. School uniforms, shoes, stationery, lunch boxes and PE kits can all put pressure on household finances. If you're able to, putting aside even a small amount each week over the summer can help spread the cost. Keep an eye out for supermarket deals for uniforms during the holidays - they're usually popular and provide good value. It's also worth checking whether your child is entitled to any financial support or school clothing grants. Many families miss out simply because they don't realise what help is available. If you're unsure, give CHAP a call and we'll arrange to go through a benefits check with you. 6. Make every pound count It goes without saying that summer is full of little temptations. An extra coffee while you're out, a few treats at the supermarket or another family takeaway can seem harmless on their own, but together they can make a noticeable difference to your household budget. Before making unplanned purchases, ask yourself whether they're something you really need or whether there's a lower-cost alternative. Looking out for supermarket offers, using loyalty card discounts and buying seasonal fruit and vegetables can also help reduce your weekly shopping bill. Tip: try using cash rather than card - this helps with setting a daily budget and sticking within it. Saving a few pounds here and there may not seem significant at the time, but over the course of the holidays it can really make a difference. Summer Savings Checklist: ✔️ Plan at least one no-spend day each week. ✔️ Pack snacks and refillable drinks before heading out. ✔️ Check local community events and library activities. ✔️ Set aside a little each week for back-to-school costs. ✔️ Ask for advice early if you're worried about money. You’re Not Alone If money feels particularly tight this summer, you're not alone - please remember that support is available. Many households continue to face rising living costs, and asking for advice early can often prevent financial worries from becoming bigger problems. At CHAP, we provide free, independent, and confidential advice on benefits, debt, and housing issues. If you're unsure whether you're receiving all the financial support available, our friendly and experienced advisers are here to help. You can call us on Freephone 030 0002 0002