Publications

Case evidence from citizens advice bureaux show that many clients have been asked to pay premiums by letting agents. These charges can have a significant impact on the individual’s finances and can put their tenancy at risk.

A briefing to Scottish MPs on the seven amendments to the Welfare Reform Bill brought forward and passed by the House of Lords prior to the Westminster debate on the 1st February 2012. The briefing looks at the negative impact of the bill on the people, society and economy of Scotland, and discusses ways in which the proposed amendments would decrease these impacts.

CAS has prepared a briefing on the impact of the welfare reform bill on Scotland’s people, services, and devolved areas and called for the Scottish Parliament to set up a Welfare Reform Bill Committee.

A short report from Citizens Advice Scotland detailing recent case evidence on debt management companies from Scottish citizens advice bureaux.

A report about how people affected by the recession are being targeted by firms offering to help them find a loan. 

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.

Evidence report outlining issues experienced by people living in Scotland in accessing basic bank accounts.

A summary briefing and evidence based memorandum prepared for the debate on Banking in Scotland in Westminster Hall at the UK Parliament.

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.