Around one in four of the issues brought to Scottish bureaux relate to debt. As well as working with clients in crisis debt situations, many Scottish bureaux undertake financial capability work, including delivering face to face Money Advice Sessions on behalf of the Money Advice Service. The Scottish CAB Service campaigns tirelessly for responsible lending and appropriate solutions for people whose debts have become unmanageable.
Find out more here about our money and debt work.
11 Feb 2015
Citizens Advice Scotland (CAS) has today welcomed steps by the Church of Scotland and others to set up credit unions as a low-interest alternative to payday loans and high street bank loans.
30 Mar 2017
The CFU’s Water Direct – Striking the Balance event last Friday brought together over 70 practitioners from frontline debt and money advice agencies, representatives from Local Authorities, and policy makers to review the application of Water Direct to date.
23 Feb 2017
Citizens Advice Scotland’s Consumer Futures Unit is holding a conference on Water Direct, a scheme used by local authorities to collect water and sewerage debt and current charges, on 24 March in central Edinburgh. The event is for practitioners in revenue collection and debt advice. It will provide delegates with an update on the roll-out of Water Direct across Scotland, what this could mean for local authorities and for those in debt for water and sewerage.
Publication date: May 2017
We asked people from across Scotland about their relationship with money, debt, credit, and planning for the future.
Publication date: October 2016
In our first report of this kind, we demonstrate the impact of the Scottish Citizens Advice service on the 310,000-plus clients who received help in 2015/16, as well as touching on the wider benefits of our work to the rest of society.
Publication date: June 2017
Though not the only driver of homelessness, the past five years have seen a large increase in the number of rent arrears issues dealt with by Scotland’s CAB network. CAS is commencing research to examine the causes and consequences of rent arrears for CAB clients, including those who become homeless as a result. This submission examines CAB data related to homelessness and rent arrears, as well as some of the causes of rent arrears that can lead to evictions and homelessness.
Publication date: April 2017
This report examines recent changes in the cost of household water and sewerage charges in Scotland. It examines the position across all consumers, but focuses in particular on those on low incomes and examines in detail the issue of affordability for those in receipt of state benefits.