A Better Deal for Consumers

Citizens Advice Scotland welcomes the opportunity to respond to the UK Government’s consultation on the review of regulation of Credit and Store cards. Bureaux across Scotland report a significant number of cases relating to credit card debt, repayment issues, and creditor behaviour. In 2008/09, Scottish bureaux dealt with 360,836 debt issues, a 14% increase from the previous year. Consumer debt accounted for 76% of these debt issues, showing an increase of 13.5% from 2007/08; resulting in over 1000 consumer debt issues being dealt with by the Scottish citizens advice bureaux every working day of the year.