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  1. Implementing the Smith Agreement: Civil protections and advice
    Publication date:
    March 2015
  2. CAS briefing for policy makers
    Publication date:
    December 2013

    This briefing was provided for a Scottish Parliament members debate on the Financial Conduct Authority’s Plans to Regulate the Payday Loan Industry. Citizens Advice Bureaux across Scotland deal with 100 cases every week regarding problems with payday loan debt. CAS have made a number of recommendations that we believe will help alleviate the biggest issues clients are seeking advice on.

  3. Publication date:
    November 2013

    Citizens Advice Scotland carried out a year-long survey of members of the public who had used payday loans (November 2012 to 2013). This followed the introduction of a payday lenders ‘Good Practice Customer Charter’ which 90% of payday lenders signed up to and committed to stamping out bad practice. Our results, backed up by case studies seen at CAB, show that one year on, many of the problems still exist for borrowers, and the code of conduct is being ignored repeatedly.

  4. Advice trends in Scotland
    Sarah Beattie-Smith
    Publication date:
    September 2013

    This report examines trends in the kinds of issues on which consumers in Scotland sought advice from the Citizens Advice Service in the first quarter of 2013/14.

  5. Keith Dryburgh
    Publication date:
    November 2012

    Payday loans are increasingly becoming a significant area of advice need at citizens advice bureaux, particularly amongst younger clients who are in employment. While this form of credit may meet the needs of some customers who experience difficulties accessing mainstream credit, bureaux report that many customers have experienced financial difficulties as a result of poor policies and practices in the industry.