Publications

The rise in payday lending in the UK has led to a concurrent rise in the number of credit brokers who offer to search for loans for consumers for a fee. Evidence from the citizens advice service indicates that consumers can experience significant detriment and hardship caused by the (often unintentional) use of a credit broker. While brokers can offer a legitimate service, many of the industry practices, including providing misleading information, sharing personal details with other brokers, offering customer applications for the highest commission, and refusing to offer refunds, are in urgent need of change. 

CAS has submitted evidence on food parcels to the Welfare Reform Committee ahead of an oral evidence session on the 29th April 2014. 

This briefing was provided for a Scottish Parliament members debate on the Financial Conduct Authority’s Plans to Regulate the Payday Loan Industry. Citizens Advice Bureaux across Scotland deal with 100 cases every week regarding problems with payday loan debt. CAS have made a number of recommendations that we believe will help alleviate the biggest issues clients are seeking advice on.

CAS has responded to the Financial Conduct Authority's consultation on how they approach achieving their objectives in regulating financial products.

CAS has issued a response to the Competition Comission's payday lending market investigation drawing on evidence from Citizens Advice Bureaux across Scotland and callers to the Citizens Advice Consumer Helpline.

In October 2011, Citizens Advice Scotland published a briefing entitled The Impact of  the Welfare Reform Bill on Scotland’s people and services. The briefing showed that  an estimated £2.5 billion would be taken out of the local economy in Scotland during  the lifetime of this Parliament and predicted what the impacts would be on people. 

Based on the responses from bureau advisers to the recent Social Policy questionnaire, the Policy and Communications team have put together a forward work plan for 2013/14. This covers the issues that we plan to address over the coming year and the ways in which we plan to undertake this work.

Payday loans are increasingly becoming a significant area of advice need at citizens advice bureaux, particularly amongst younger clients who are in employment. While this form of credit may meet the needs of some customers who experience difficulties accessing mainstream credit, bureaux report that many customers have experienced financial difficulties as a result of poor policies and practices in the industry.

As welfare changes begin to affect people across the country, Citizens Advice Scotland is producing briefings outlining their impact on people across Scotland in our Voices from the Frontline series. This briefing looks at the increasing number of sanctions that have been applied to jobseekers in the past two years and the effects that they have had on claimants.