Debt and money
Debt is a significant issue for the Citizens Advice network in Scotland. More than 1 in 8 of people is supported with debt advice and 1 in every 10 pieces of advice given is debt-related.
Here you will find information on the advocacy and influencing we undertake to help prevent people getting into debt, on the policy changes needed to ease the pressure on those experiencing debt, and on the measures required so that nobody is financially excluded.
A briefing of what we need to see on public debt in Party manifestos for the upcoming Scottish election.
A response to a Ofgem consultation from Citizens Advice Scotland, January 2026.
Key Points
This is the CAS response to the second round of consultation as part of the ongoing review of Statutory Debt Solutions in Scotland.
Citizens Advice Scotland recently submitted a response to the Scottish Government consultation on proposals to mitigate the Two Child Limit.
A briefing from Citizens Advice Scotland on recommendations for improving access to banking services for people who do not have a bank account with a focus on undischarged bankrupts.
A briefing from Citizens Advice Scotland on recommendations for improving access to banking services for people who do not have a bank account with a focus on refugees.
A briefing from Citizens Advice Scotland on recommendations for improving access to banking services for people who do not have a bank account with a focus on victim survivors of domestic abuse.
A briefing from Citizens Advice Scotland on recommendations for improving access to banking services for people who do not have a bank account with a focus on prisoners and ex-offenders.
A briefing from Citizens Advice Scotland on recommendations for improving access to banking services for people who do not have a bank account with a focus on those experiencing homelessness.
A general briefing note from Citizens Advice Scotland on recommendations for improving access to banking services for people who do not have a bank account.
The wider report from Citizens Advice Scotland on recommendations for improving access to banking services for people who do not have a bank account.
A report from Citizens Advice Scotland on recommendations for improving access to banking services for people who do not have a bank account.
CAS response – summary of key points.
Citizens Advice Scotland (CAS) welcome the Government’s proposal of introducing a bespoke Mental Health Moratorium through powers contained in the Bankruptcy and Diligence (Scotland) Bill.
Briefing Paper on Research from Citizens Advice Scotland May 2022.
This consultation response covers our views and recommendations, as well as highlights the need for Scotland’s statutory debt solutions to become better at providing realistic outcomes for indebted people.
This report covers our research into council debt issues including council tax, rent and water (and sewerage) arrears.
Citizens Advice Scotland has responded to the consultation on proposed guidance for firms on the fair treatment of vulnerable consumers.
A consultation response covering our clients experiences and our recommendations to ensure fairness in debt recovery.
CAS consultations response on our views on a Minimum Income Guarantee.
The report is compiled from a snapshot of clients with complex or multiple debt issues.
Our Good Practice Guidance aims to set out baseline principles on the minimum standards someone experiencing mental health and debt should be able to expect from a creditor.
The slidedeck for foreCASt episode 2 covering our insight into money and debt issues.
An evaluation of the "Stressed About Debt?" campaign, which ran from February 2024 until the start of April 2024.
An evaluation of the Worried This Winter? energy support campaign, which ran from November 2023 until the end of January 2024.
Citizens Advice Scotland has responded to the Scottish Government's consultation on the Wellbeing and Sustainable Development Bill.
CAS has responded to HM Treasury's Consultation seeking views on the design and scope of the ban on cold calling for consumer financial services and products, including a call for evidence on the impacts of the proposed ban.
CAS has responded to the Finance and Public Administration Committee's call for views on the sustainability of Scotland's finances.
An evaluation of the Debt Happens campaign, which ran in Spring 2023.
This briefing considers how the CAB network in Scotland can help deliver a world leading Community Wealth Building agenda in Scotland.
An evaluation of the 2022 "Our Advice Adds Up" campaign.