Implementing the Smith Agreement: Civil protections and advicePublication date:March 2015
CAS briefing for policy makersPublication 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.Spotlight:
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.Spotlight:
Advice trends in ScotlandPublication 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.
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.