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Publication date:November 2022
The report is compiled from a snapshot of Scottish CAB clients with complex or multiple debt issues; 2,987 of these clients had relevant data recorded. Complex debt refers to cases where there are multiple creditors or a single liability where the issue requires intricate legal or administrative work, for example responding to court action. The data was collected between April 2021 and March 2022 with the previous annual period used as a comparator.
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Publication date:October 2022
CAS has responded to the Scottish Government's Consultation on Improving Scotland's Social Security.
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Publication date:July 2022
The last few years have been extraordinarily tough. The pandemic left 1.8 million people in Scotland financially worse off, and even before the most recent increase in the energy price cap one in three people found their bills unaffordable. Now people are faced with a perfect storm of soaring prices and flat or falling incomes, which risks sweeping tens of thousands of people across the country into poverty, problem debt, and destitution.
Those relying on the social security system are particularly vulnerable to poverty. Just over 447,500 people across Scotland are on UC – equivalent to more than one in ten working age adults in Scotland and almost double the number before the pandemic. Getting social security right is vital to help these people weather the storm.Recent data from across the Citizens Advice network in Scotland shows the hardship people are facing every day:
- Advice need for food banks has grown by almost a third (31%) since September 2021.
- Advice need for other charitable support, including fuel bank referrals, saw a sharp increase of 23% between September 2021 and December 2021, likely reflecting the additional pressure of winter heating bills.
- Advice on UC sanctions has grown by 53% over 2021-22.
- Advice on UC Budgeting Advances has risen by 25% over 2021-22.
- Advice on UC Overpayments nearly doubled from the average across 2020/21 to Q4 of 2021/22.
Behind each of these statistics are real people. In this report we highlight four real Citizens Advice Bureau (CAB) client stories which show the incredible difficulties many people on UC are facing daily. Their names have been changed to protect their anonymity, but their stories demonstrate the reality of the cost of living crisis and the need for further support.
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Publication date:June 2022
The cost of living crisis is squeezing household finances across the country. Across the Citizens Advice network in Scotland, we’ve seen an uptick in advice need for energy bills, debt, and food bank referrals. Since September 2021:
- Advice need for food banks has grown by almost a third (31%)
- For other charitable support, including fuel bank referrals, advice need has increased by 23%
- Advice on Budgeting Advances has increased by 25% over 2021–22
- Advice on sanctions has grown by 53% since the start of 2021-22
While one-off payments will have provided some relief to people in the short-term, the further planned energy price cap increase in October and higher energy needs in winter mean that the cost of living crisis is unlikely to end in the next few months. Long-term thinking is needed to ensure our social security system is accessible to everyone and offers the right level of support for today’s skyrocketing prices.
CAS recommends:
- An immediate uprating of Universal Credit’s basic allowance to present inflation rates and the implementation of a more responsive system to keep track with inflation.
- Further emergency targeted support for those on the lowest incomes.
- A continuous review of the adequacy of social security payments to ensure they meet everyone’s needs.
- Scrapping the benefit cap and the two-child limit.
- Ensuring any uprating of Universal Credit is extended to all legacy benefits.
- Reduce all deductions for DWP and HMRC debt to the 5% minimum until the DWP’s debt recovery process can be replaced with a revised system based on a robust holistic affordability check that better reflects people’s ability to pay, such as the Common Financial Statement.
- Writing-off historic Tax Credit debt and other historic benefit overpayment debt.
- Abolishing the five week wait by introducing a non-repayable assessment period grant at the beginning of all UC claims.
- Suspending the use of sanctions until the cost of living crisis is over.
- Automating where possible the process for claiming the State Retirement Pension and Pension Credit.
- Developing and publishing an uptake strategy for the DWP to increase claims for pension-age support.
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Publication date:June 2022
Key Points
- CAS is pleased to respond to this call for evidence on health assessments. We have long been calling for fairer processes which put people’s rights at the heart of it, and we want to see a fairer system of dignified, accessible, timely, and fair medical assessments that provide disabled people with the support they are entitled to.
- Although there will be no new claims for PIP due to the full implementation of Adult Disability Payment across Scotland from 29 August, we have responded to the questions relating to the future of PIP as we have a wealth of data and experience on the administration of PIP.
- CAS has restricted its responses to those where we have robust data to inform our responses.
Recommendations
- A range of assessment types should be available, face-to-face, telephone and in person, and the client should be able to choose their preferred method. Outcomes for each method should be monitored to ensure parity.
- Descriptors for both PIP and ESA should be reviewed to better reflect social and human rights models of disability and move beyond assessing a lack of functionality.
- The use of lived experience panels and user groups involved in the design and development of any changes made to the claims and assessment processes.
- Consideration should be given to the Social Security Scotland approach to assessment, in particular:
- The use of specialist assessors;
- Bringing the assessment 'in-house';
- Gathering evidence on behalf of the client; and
- Making a medical assessment the last resort.
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Publication date:May 2022
The Warm Home Discount scheme provides important funding for the short-term relief of fuel poverty. However, a combination of research and evidence from the Citizens Advice network in Scotland has previously found that while the Warm Home Discount is seen as vital by those who receive it, it is not adequately reaching those who need it most. Whilst CAS welcomes proposals for a scheme for Scotland for 2022-26, we have raised concerns that the proposals do not go far enough to address the issues of the previous scheme years.
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Publication date:May 2022
Employment advice accounted for 4% of all advice given by the Citizens Advice network in Scotland in 2021-22. Yet while our advisers are able to offer people information about their rights at work, many struggle to enforce these rights in practice.
CAS is calling for:
- A three-pronged approach to ensuring fair work in low-paid sectors, covering:
- A preventative strand focused on awareness-raising for individuals and employers, working with schools and job centres to ensure those entering the workforce are fully informed of their rights and entitlements, and with enterprise bodies to ensure new employers understand their responsibilities.
- An easy process, anonymised if necessary, where employees, employers, and witnesses can report concerns that result in swift investigative action.
- A strong approach to enforcement when non-compliance is found, with responses guided by the severity and impact of the non-compliance.
- Adequate funding for employment support and wider advice services. › A holistic view towards supporting fair work, in particular by providing a strong social security system and other policies to tackle the rising cost of living, in order to give people the security to challenge poor working practices without facing poverty.
- A prioritisation of the Employment Bill and the introduction of a single enforcement body, adequately funded in order to effectively protect worker’s rights.
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Proposals to amend the guide to help ensure customers in debt or struggling to pay are treated fairlyPublication date:May 2022Spotlight:
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Citizens Advice Scotland have responded to Ofcom's discussion paper on the regulators future approach to mobile markets.Publication date:April 2022
The day-to-day activities of citizens are becoming increasingly dependent on their ability to use telecommunications services, such as mobile phones, broadband or landlines. The COVID-19 pandemic has highlighted the essential nature of online connectivity and access to internet data, with many people relying on internet access for working from home, staying informed, or interacting with welfare services, and friends and family.
For clients of the Scottish Citizens Advice network, their mobile phones have become increasingly important in accessing vital online services; with one in five of our clients accessing the internet only through their smart phones. Having a reliable, consistent and affordable mobile connection is essential for clients to access services such as Universal Credit journals and online banking.
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CAS Briefing paper on Postal Services in ScotlandPublication date:April 2022
Citizens Advice Scotland (CAS) has served as Scotland’s designated consumer advocacy body for postal services for the past 8 years. From 1 April 2022, this function will be transferred to Consumer Scotland. During our time as the consumer advocate, we have made sure that the voice of Scottish postal consumers has been heard by regulators and service providers alike. Our work has been focused on making postal services accessible and affordable for all consumers, no matter where they live, or what their income level or personal characteristics may be.
This briefing highlights the key issues facing postal market consumers in Scotland today.
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An analysis of homelessness advice cases provided by Scotland’s CAB networkPublication date:March 2022
This report is published jointly by CAS and the homelessness charity Crisis.
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Publication date:March 2022
CAS has responded to Ofcom's consultation on the regulatory framework for postal services for the next 5 years.
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CAS briefing on polling conducted with SMEs on postal servicesPublication date:March 2022
This briefing summarises the key findings of research conducted by YouGov in November 2021. The polling reflects the experiences of 500 senior decision makers in small to medium enterprises (SMEs) in Scotland.
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Publication date:March 2022
CAS has responded to a Scottish Government consultation on proposed increases to court fees in Scotland.
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Publication date:February 2022
Citizens Advice Scotland has responded to the consultation run by the Scottish Parliament's COVID-19 Recovery Committee
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Publication date:February 2022
CAS is enthusiastic about the potential for the devolution of winter heating benefits to drive a meaningful improvement in the rates and lived experience of fuel poverty in Scotland. Done well, devolution of Cold Weather Payments (CWPs) and the Winter Fuel Payment (WFP), taken alongside the assistance provided by the Warm Home Discount (WHD) scheme, the Scottish Government’s fuel poverty and energy efficiency programmes, and additional support for vulnerable households such as the Child Winter Heating Assistance, could create a coherent package of measures which work together more effectively to reduce inequality and improve the health and wellbeing of citizens most vulnerable to the effects of living in a cold home.
We agree that reforms to the existing CWP scheme could deliver greater consumer benefits than the scheme that currently exists. However, we do not agree that the Scottish Government’s proposals for Low Income Winter Heating Assistance (LIWHA) achieve this. Indeed, we are concerned that for many consumers, LIWHA will often make fuel poverty, and in particular extreme fuel poverty, worse. Evidence also strongly suggests that in a cold winter, LIWHA is likely to prove prejudicial to the health of many vulnerable low income households. We are extremely concerned about the negative consumer outcomes this will deliver, including the impact on winter mortality. CAS cannot support a policy that holds significant potential to increase inequality and endanger the health and wellbeing of consumers in Scotland, and as a result we cannot support the Scottish Government’s proposals for LIWHA in their current form. We are however mindful of the tight deadlines to which the Scottish Government is working to deliver the devolution of CWPs before the end of 2022. We therefore propose a practical series of evidence-led actions that we believe would safely deliver a Minimum Viable Product to the required timeframes which significantly improves on the current CWP scheme and to which future improvements can be made as time and resources allow
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Publication date:January 2022
A new CAS report looks at how UC supported five groups who seek advice from CAB every day: people who are newly out of work; people who are looking for work; people who are in work; people who are unable to work due to caring responsibilities or a disability; and finally people with children.
Our research found real gaps in the support UC offered to these people. But our report also suggests fixes. Five policy changes would strengthen UC significantly, ensuring our social security system remains accessible and effective for everyone.
With the cost of living continuing to rise, we need to ask if UC is a strong enough safety net. Investing in social security is the right thing to do for our economic recovery.
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Publication date:January 2022
CAS has responded to the Scottish Legal Aid Board's consultation on civil legal aid financial eligibility assessment
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Stressed About Debt? High costs of energy, food and fuel mean that many people are finding it impossible to keep up, worrying about debt or falling behind on bills. The Citizens Advice network in Scotland is here for you, with free, confidential and impartial advice in a variety of ways.