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Publication date:December 2010
This report is a detailed look at the consumer issues that clients bring to the Scottish CAB Service.
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Publication date:December 2010
CAS has responded to the Department of Business, Innovation and Skill's call for evidence on the consumer credit and personal insolvency review. The review looks at issues, practices and policies around store cards, credit cards, high cost credit products, debt remedies and credit related debt issues.
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Publication date:November 2010
CAS’s briefing for Scottish Lords in relation to the Public Bodies Bill Stage 2 debate in the House of Lords.
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Publication date:November 2010
CAS briefing on the impact of the Comprehensive Spending Review on the Department for Works and Pensions.
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Publication date:November 2010
Evidence report outlining issues experienced by people living in Scotland in accessing basic bank accounts.
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Publication date:November 2010
CAS briefing on the impact of the Comprehensive Spending Review on the Department for Works and Pensions.
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Publication date:November 2010
Briefing on Patient Rights (Scotland) Bill - Stage 1 debate.
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Publication date:November 2010
Briefing sheet which accompanies the evidence report Banking on the Basics - an outline of issues experienced by people living in Scotland in accessing basic bank accounts.
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Publication date:October 2010
Advice in Scotland 09/10 is the first in a series of reports that look in detail at the people who use the service and the problems that they experience in their lives. The reports will be of great interest to policy makers, advice givers, businesses, and anyone with an interest in the major issues that affect people across Scotland. This report looks at those who seek advice and the broad areas of problems that they bring.
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Publication date:October 2010
Scottish Affairs Committee: Enquiry into the Banking Sector. A memorandum from CAS.
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Publication date:October 2010
CAS wants to make sure that the people that use their local CAB are happy with, and can trust the service they receive. One way that we do this is by making sure the service is up to scratch with regular membership scheme audits.
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Publication date:October 2010
A summary briefing and evidence based memorandum prepared for the debate on Banking in Scotland in Westminster Hall at the UK Parliament.
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Publication date:October 2010
CAS submitted a briefing for the Work & Pensions Committee for their evidence session taking place the 20th October, on the changes to Housing Benefit announced in the June 2010 budget. The evidence based briefing presents the Scottish perspective on the proposed changes.
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Publication date:October 2010
Briefing for MSPs on The Legal Services Bill which was passed at stage 3 on October 6th 2010.
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Publication date:September 2010
CAS was a major contributor to the Scottish Campaign on Welfare Reform's joint member response to the 21st Century Welfare Consultation, which saw some of the groups key policy calls for a better welfare system included in the consultation paper.
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Publication date:September 2010
Response from CAS on the Office of Fair Trading consultation on e-consumer protection.
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Publication date:September 2010
Consultation response on the Work Capability Assessment for Employment and Support Allowance.
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Publication date:September 2010
A response from CAS to the Low Pay Commission.
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Evidence on overdraft charges from Scottish CABPublication date:June 2010
Research report which looks at the continuing effects of unfair and disproportionate overdraft charges on vulnerable and low income clients.
The recession has left Scots more exposed than ever to disproportionate and unfair overdraft charges from their banks. For our clients they are unfair – they are disproportionate to the level of infringement, they penalise low income customers for being poor, and trap many in a cycle of debt for an overdraft that can be as little as a penny.
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Publication date:June 2010
Briefing sheet to accompany the Fully Charged report which focused on bank charges and their effect on CAB clients.
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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.