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Spotlight on: Money and debt

Around one in four of the issues brought to Scottish bureaux relate to debt. As well as working with clients in crisis debt situations, many Scottish bureaux undertake financial capability work, including delivering face to face Money Advice Sessions on behalf of the Money Advice Service. The Scottish CAB Service campaigns tirelessly for responsible lending and appropriate solutions for people whose debts have become unmanageable.

Find out more here about our money and debt work.

News

  1. 26 Apr 2019

    Citizens Advice Scotland (CAS) has today published new figures showing the numbers of Scots who struggle to make ends meet.

  2. 24 Sep 2021

    Citizens Advice Scotland is supporting Challenge Poverty Week, which will be running from Monday 4 – Sunday 10 October.

  3. 21 Sep 2021

    Almost 300,000 people in Scotland have missed a rent or mortgage payment after running out of money in the past year, new analysis from Citizens Advice Scotland reveals.

Publications

  1. Publication date: September 2021

    Citizens Advice Scotland (CAS) gathers evidence from the more than 171,000 clients a year supported by our network. Many of the problems faced by our clients are rooted in or linked to their incomes not being enough to meet their needs and live a dignified life. For many people coming to see us they simply do not have enough money to make ends meet: YouGov in May of this year indicated 1 in 7 Scots is struggling on their present income even with the temporary financial support measures put in place as a result of the pandemic. In fact, 56% or half a million pieces of advice provided by our network every year can be attributed to income maximisation. During the pandemic CABs unlocked £147million for people through things like social security payments, employment entitlements and lower bills for utilities. A Minimum Income Guarantee would mean the Citizens Advice network could ensure people have even more security and opportunity.

    This evidence base, from over 80 years as Scotland’s largest free, impartial and confidential advice network, gives CAS a unique understanding of the issues that IPPR proposes could be addressed by a Minimum Income Guarantee. In addition, our experience supporting clients over the course of the pandemic shows that even those who were coping before the crisis still found themselves vulnerable if their income dropped or costs went up even slightly.

  2. Publication date: May 2021

    Scotland’s Citizens Advice network empowers people in every corner of Scotland through our local bureaux and national services by providing free, confidential, and independent advice. We use peoples’ real-life experiences to influence policy and drive positive change. We are on the side of people in Scotland who need help, and we change lives for the better.

    Our 2021/22 Impact work plan outlines the areas where we will be working to secure changes on behalf of our network’s clients. It has been drawn together following extensive analysis of advice data and consultative workshops with representatives from the network to identify significant trends and areas of concern.

  3. Publication date: November 2020

    We work on the issues that matter to our network’s clients and our member CAB. Our focus is on delivering advocacy drawn from the experience and insights of the Scottish Citizens Advice network, which is rooted in communities across the country. 

  4. Debbie Horne, Jemiel Benson

    Publication date: September 2020

    In 2018-19, the Citizens Advice network helped over 270,000 clients in Scotland with almost 750,000 advice issues. With support from the network, clients had financial gains of over £131 million and our self-help website Advice in Scotland received approximately 3.7 million views. 

    The Citizens Advice network dealt with 110,439 debt issues around half of which were government or local authority debts. Advisers gave advice regarding benefit related debt problems, our main UK wide government debt issue on 5,557 occasions.

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