Citizens Advice Scotland has responded to a call for written evidence on the Debt Arrangement Scheme Regulations 2019.
CAS broadly welcomes the increase in flexibility that the new regulations offer for the scheme. However we also have concerns around the proposal to open up a market in payment distribution which CAB clients would be expected to engage with. The decision around which payment distributor to use is effectively meaningless as clients will not benefit, but the choice presents another barrier to progress in the debt advice journey.