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Debt Happens. You're Not Alone

Feeling worried about debt?

The cost of living crisis has many of us worried about falling into debt, or our existing debts getting bigger. You don’t need to go through this alone. The Citizens Advice network in Scotland is here to offer free, confidential and impartial advice, in a variety of ways. 

Five People, Five Reforms: Strengthening Universal Credit after the Pandemic

This report, the last in a three-part series on UC during the pandemic, sets out what lessons can be learned from the past 18 months to future-proof UC. Updating and contextualising our survey with data drawn from the Citizens Advice network across Scotland, this report outlines the fixes that are needed for UC to properly support five groups of people 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
> People with children

Citizens Advice Scotland is calling for:

> Safe access to UC by introducing a non-repayable assessment period grant at the beginning of all UC claims and replacing the DWP’s debt recovery process with a revised system that better reflects people’s ability to pay
> A permanent increase to the basic allowance of UC
> A review of UC as an in-work benefit, including reintroduction of Work Allowances for everyone, to make sure UC properly supports those in employment
> Protecting and uprating support for people with disabilities and caring responsibilities
> Scrapping the benefit cap and the two-child limit

CAS response to the Legal Services Regulation Reform in Scotland consultation

Citizens Advice Scotland has responded to the Scottish Government's Legal Services Regulation Reform in Scotland consultation

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