Citizens Advice Scotland welcomes the opportunity to respond to the OFT market study on Personal Current Accounts in the UK. The response is based on the actual experiences of CAB clients, anonymised and presented as case evidence. This is made possible by the CAB service’s social policy feedback mechanism. Bureaux throughout Scotland highlight the problems in their area by sending in specific case examples that are indicative of wider issues. This information is collated and analysed by CAS in conjunction with social policy statistics from each bureau.