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Publications

  1. Sarah Beattie-Smith
    Publication date:
    February 2012

    Submission from Citizens Advice Scotland to the UK Government Insolvency Service consultation on Bank Accounts for Bankrupts.

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  2. Keith Dryburgh and Matt Lancashire
    Publication date:
    January 2012

    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.

  3. Keith Dryburgh and Matt Lancashire
    Publication date:
    October 2011

    CAS's submission to the Scottish Parliament Health & Sport Committee, which will be scrutinising the UK Welfare Reform Bill Legislative Consent Motion, gives detail on the impact of aspects of the bill to Scotland’s people, services and economy. In addition it sets out our arguments for the establishment of a Scottish Parliament Welfare and Benefits Committee and our position on the LCM.

  4. Matt Lancashire and Keith Dryburgh
    Publication date:
    October 2011

    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.

  5. Keith Dryburgh
    Publication date:
    September 2011

    Report showing a snapshot of Scottish citizens advice bureaux debt work in 2010/11.

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  6. Keith Dryburgh
    Publication date:
    August 2011

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

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  7. Publication date:
    June 2011

    Citizens Advice Bureau evidence on the consumer problems caused or exacerbated by the recession

  8. Publication date:
    March 2011

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

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  9. Alizeh Hussain
    Publication date:
    January 2011

    This briefing was issued to Scottish MPs on the 18th of January 2011 to inform the debate in Westminster Hall on basic bank accounts in Scotland.

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  10. Alizeh Hussain, Keith Dryburgh and Vida Gow
    Publication date:
    December 2010

    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.

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  11. Publication date:
    November 2010

    Briefing sheet which accompanies the evidence report Banking on the Basics - an outline of issues experienced by people living in Scotland in accessing basic bank accounts.

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  12. Alizeh Hussain
    Publication date:
    November 2010

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

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  13. Keith Dryburgh
    Publication date:
    October 2010

    Scottish Affairs Committee: Enquiry into the Banking Sector. A memorandum from CAS.

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  14. Alizeh Hussain
    Publication date:
    October 2010

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

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  15. Publication date:
    June 2010

    Briefing sheet to accompany the Fully Charged report which focused on bank charges and their effect on CAB clients.

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  16. Evidence on overdraft charges from Scottish CAB
    Keith Dryburgh
    Publication date:
    June 2010

    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.

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  17. Collection Periods
    Keith Dryburgh
    Publication date:
    April 2010

    A briefing for politicians on the effects of community charge and council tax collection periods on CAB clients.

  18. Keith Dryburgh
    Publication date:
    April 2010

    Consultation response on community charge and council tax collection periods.

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  19. The Drowning in Debt Report
    Publication date:
    March 2010

    This briefing highlights some of the social policy successes achieved by the CAB Service in Scotland from January 2009 to February 2010.

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  20. Susan McPhee
    Publication date:
    March 2010

    Briefing on debt management companies based on evidence from CAB clients.

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