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Publications

  1. Jemiel Benison and Mike Holmyard
    Publication date:
    October 2019

    Citizens Advice Scotland has responded to the Insolvency Service's call for evidence on Insolvency Practitioner regulation.

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  2. Mike Holmyard
    Publication date:
    October 2019

    CAS welcomes the FCA's commitment to vulnerable consumers and the guidance they have published to help firms understand their obligations. 

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  3. Aoife Deery
    Publication date:
    September 2019

    This is CAS’s response to the Call for Evidence on the Annual Energy Statement. We believe that while Scotland is likely to miss its target of achieving 11% of heat demand coming from renewables by 2020, there are actions the Scottish Government can take to ensure that it remains on course for achieving net zero by 2045, including;

    ›     Boosting public buy-in by stepping up practical and financial support for consumers

    ›     Driving technological innovation

    ›     Reducing the cost of renewables 

    These measures will help to address what CAS believes are the key risks and threats to achieving the 2045 target:

    ›     the initial cost of moving to renewable heat sources

    ›     the lack of public awareness and buy-in to the scale of the change needed

    ›     the quality of installations and access to redress when things go wrong

    ›     the lack of advice and guidance on how to properly use low carbon heating systems to best effect

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  4. CAS Research Team
    Publication date:
    September 2019

    Statistical briefing on advice given; client demographics based on an annual survey of CAB clients undertake for 4 weeks in November 2018 including comparison to SIMD data.

  5. CAS Research Team
    Publication date:
    September 2019

    Briefing on paid staff and volunteers; types of services provided to compliment the generalist service; client gains; how clients contacted CAB and the work undertaken by CAB in addition to giving advice.

  6. Michael O'Brien
    Publication date:
    September 2019

    CAS welcomes Ofgem’s proposals to improve outcomes for consumers who experience self-disconnection and self-rationing. We have identified a number of priorities:

    • The standardisation of friendly credit dates and hours, where technically feasible
    • Improvements to emergency credit provision, which maintains flexibility, but allows for the maintenance of supply in a reasonable worst case scenario
    • The removal of barriers to discretionary credit, which maintains protection from excessive debt, but enhances consumer choice
    • Improvements in how suppliers communicate with their prepayment customers, for e.g. as regards the seasonal accrual of standing charges
    • The formalisation of Ofgem’s Ability to Pay principles in the licence code
    • Utilisation of the full suite of smart functionality, for e.g. suppliers switching meters to credit mode to maintain supply
    • Viable alternatives to prepayment, for e.g. clarification on the future of Third Party Deductions for energy (Fuel Direct)
    • The extension of fuel voucher schemes (fuel credits)
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  7. Impact Team
    Publication date:
    September 2019

    The 2019/20 workplan sets out the projects CAS's Impact Team is committed to, and the change we want to see for people and communities across Scotland.

  8. Emily Rice
    Publication date:
    September 2019

    This is CAS’s response to the Energy Efficiency (Private Rented Property) Regulations 2019. We welcome mandatory standards of energy efficiency in the private rented sector, provided that:

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  9. Alastair Wilcox
    Publication date:
    September 2019

    CAS has responded to BEIS’ Hydro Benefit Replacement Scheme (HBRS) and Common Tariff Obligation (CTO) consultation. Both are subject to a statutory 3-year review and are designed, respectively, to subsidise the cost of electricity distribution in the North of Scotland to avoid disproportionately higher distribution network costs for consumers vs. those charged in the rest of GB; and to prevent domestic suppliers from offering less favorable terms to remote rural and island communities in the North of Scotland than they do to consumers.

    The HBRS imposes a levy on every electricity consumer in GB. For a typical dual fuel domestic consumer, this equates to about £1 per annum. To date, however, the additional costs of electricity distribution in the Shetland islands has been fully met by consumers in the North of Scotland. It is proposed that this will change and will instead be distributed throughout GB.

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  10. Eilidh McIvor
    Publication date:
    September 2019

    Our series of briefings, 'Voices from the Frontline', demonstrates the impact of changes to the UK social security system on people in Scotland. This latest briefing considers the impact of the five-week wait for a first payment for Universal Credit. 

  11. Jamie Stewart
    Publication date:
    August 2019

    The Markets and Systems policy team at Citizens Advice Scotland puts consumers at the heart of policy and regulation in the energy, post and water sectors in Scotland. We work with governments, regulators and business to put consumers first, designing policy and practice around their needs.

    Our advocacy work is evidence led and we use a combination of independent research and evidence from the Citizens Advice Network in Scotland to speak up for consumers.  

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  12. Jamie Stewart
    Publication date:
    August 2019

    CAS welcomes the opportunity to respond to the ENAs consultation. We think that the consultation raises issues that need to be quickly addressed as the electricity flexibility market develops.

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  13. Mike Holmyard
    Publication date:
    August 2019

    CAS has responded to the Accountant in Bankruptcy's consultation on returning funds to the free sector.

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  14. Mike Holmyard
    Publication date:
    August 2019

    Citizens Advice Scotland has responded to a call for written evidence on the Debt Arrangement Scheme Regulations 2019. 

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  15. Publication date:
    August 2019
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  16. A guide to common issues and how to resolve them
    Peter Kirwan and Tracey Binnie, Citizens Advice Bureau, Haddington
    Publication date:
    August 2019

    A guide to helping people to overcome barriers to digital access (updated July 2019).

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  17. Mike Holmyard
    Publication date:
    August 2019

    CAS has responded to the Financial Ombudsman Service's consultation on its future funding. 

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  18. Publication date:
    August 2019
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  19. Publication date:
    August 2019
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  20. Eilidh McIvor
    Publication date:
    August 2019

    CAS is pleased to respond to the consultation on the proposed Fair Rents (Scotland) Bill. This Bill aims to protect private sector tenants by limiting rent increases and by increasing the availability of information about rent levels across Scotland.

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