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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. 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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  4. 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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  5. Mike Holmyard
    Publication date:
    August 2019

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

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  6. Mike Holmyard
    Publication date:
    June 2019

    CAS has responded to the Money and Pensions Service listening document.

  7. Ruth Mendel
    Publication date:
    May 2019

    CAS has responded to the Competition and Markets Authority's Funeral Market Statement of Issues consultation.

  8. Derek Young
    Publication date:
    May 2019

    Citizens Advice Scotland has responded to a consultation on the use of Protected Trust Deeds (PTDs)

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  9. Mike Holmyard
    Publication date:
    March 2019

    Citizens Advice Scotland has responded to Citizens Advice Scotland has responded to the FCA's CP18/42: High-Cost Credit Review: Overdrafts consultation.

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  10. Derek Young
    Publication date:
    March 2019

    CAS has responded to the FCA's consultation on Buy Now Pay Later offers.

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  11. Mike Holmyard
    Publication date:
    January 2019

    CAS has responded to the Accountant in Bankruptcy's building a better debt arrangement scheme consultation

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  12. Ruth Mendel
    Publication date:
    January 2019

    CAS responded to a Financial Conduct Authority (FCA) consultation to support their proposed cap on rent-to-own stores, e.g. Brighthouse.

     

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  13. Ruth Mendel
    Publication date:
    November 2018

    Citizens Advice Scotland responded to the Scottish Government consultation on Draft Statutory Guidance on Funeral Costs.

     

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  14. CAS, Money Advice Scotland and StepChange joint briefing
    Mike Holmyard and Rob Gowans
    Publication date:
    November 2018

    Citizens Advice Scotland, Money Advice Scotland and StepChange believe that the prescriptive period for Council Tax arrears and reserved social security benefits and tax credit debt should be reduced from 20 years to five years. We support amendments which would remove the exemptions in the Bill for these debts.

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  15. Causes and Consequences for CAB Clients
    Rob Gowans
    Publication date:
    October 2018

    Advice in relation to rent arrears has grown by over 40% since 2012, whilst debt-related issues have declined. This report examines the reasons why this steady increase in rent arrears has occurred, as well as who is most likely to be affected. It also looks at how CAB clients cope with being behind on the rent, and how they have managed to escape rent arrears – if they have indeed managed to do so.  

  16. Ruth Mendel
    Publication date:
    August 2018

    Citizens Advice Scotland provided evidence to HM Treasury's pre-paid funeral plans: call for evidence. We focused on the importance of ensuring consumers were both fully informed and protected from harm.

  17. Ruth Mendel
    Publication date:
    July 2018

    Citizens Advice Scotland responded to Financial Conduct Authority's Discussion Paper on Rent to Own, answering questions about 'What alternative solutions could there be to address harm from high prices?' and 'What issues should the Financial Conduct Authority should take into account in carrying out further work on a price‑cap'

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  18. Ruth Mendel
    Publication date:
    June 2018

    Citizens Advice Scotland welcomed the opportunity to respond to this consultation concerning competition and transparency in the provision of funerals and crematoria market power. 

  19. Ruth Mendel
    Publication date:
    December 2017

    Citizens Advice Scotland have published our annual report on burial and cremation charges across Scotland.

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  20. Information leaflet
    Gail Walker
    Publication date:
    October 2017

    The Consumer Futures Unit at Citizens Advice Scotland has developed a leaflet for those in receipt of benefits that clarifies what they are due to pay for water and sewerage charges, and includes any exemptions, discounts and reductions they may be due.

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