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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.


  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. 9 Jun 2021

    by Myles Fitt, CAS Strategic Lead on Financial Health

    This column was first published in the Herald on 9 June 2021.

  3. 26 May 2021

    by Derek Mitchell, CAS Chief Executive.

    This column was first published in the Herald on 26 May 2021.


  1. 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.

  2. 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. 

  3. 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.

  4. Ruth Mendel

    Publication date: September 2020

    Citizens Advice Scotland has responded to the consultation on proposed guidance for firms on the fair treatment of vulnerable consumers. We are pleased to see the continued commitment by the FCA to protecting vulnerable consumers.

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