Stressed About Debt? High costs of energy, food and fuel mean that many people are finding it impossible to keep up, worrying about debt or falling behind on bills. The Citizens Advice network in Scotland is here for you, with free, confidential and impartial advice in a variety of ways.
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Spotlight on: Equality and diversity
The CAB Service believes that no job applicant, worker, volunteer, or client should receive less favourable treatment than another on grounds of age, disability, gender, race, religion or belief, or sexual orientation. There is no situation in which the CAB Service will discriminate unfairly. This ethos informs both our work with clients and our social policy activity.
News
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20 May 2024
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7 Jan 2023
by Stephanie Millar, CAS policy manager (Social Justice team).
This article was first published in the Herald on 7 January 2023.
Publications
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Publication date: August 2024
CAS responded to the above consultation by the Scottish Government.
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Publication date: March 2024
CAS responded to the above consultation by the Ministry of Justice.
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Publication date: April 2023
On 14 March 2023, Citizens Advice Scotland's Strong Communities Team gave evidence to the Scottish Parliament Equality Human Rights and Civil Justice Committee's session on Access to Justice. This supporting evidence was submitted in writing afterwards.
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Publication date: November 2022
Citizens Advice Scotland is launching the Mental Health and Money Good Practice Creditor Guidance. We've prepared this Briefing Note to support the launch.
We are actively encouraging creditors, both public and private to adopt our Principles. These set out the minimum standards someone experiencing mental health and debt can expect from their creditor when seeking support. Our guidance provides practical examples to firms and public bodies on how to achieve these minimum standards.
Debt is often the cause and consequence of poor mental health and wellbeing. This intrinsic link between debt and mental health is well known with it estimated that 1 in 2 people in problem debt also have a mental health issue.
Managing these issues can prove extremely difficult and people can often find themselves in vicious cycles where money problems impact upon their mental health and poor mental health worsens their financial situation.
Our Citizens Advice Network routinely supports people in these situations and with the rising cost of living crisis now being felt by our debt clients and beyond, we have seen countless examples of people with mental health and money issues reaching out to creditors seeking support, only to find barriers in their way such as inaccessible processes, online only options and a lack of understanding around their mental health.
These instances highlight the vast amount of missed opportunities to disrupt that vicious cycle. We believe that creditors, both private firms and public services can do more in breaking this link.
To do this effectively, it is crucial that creditors have the tools to support people struggling with mental health issues. Our Good Practice Guidance seeks to do just that by providing tangible steps that creditors can take to make them more accessible for those dealing with mental health and money problems.
By adopting our Principles, creditors can break this vicious cycle and care for their customers at a time when support for people’s mental health and money is needed now more than ever.
