A presentation I delivered recently at the AMI Financial Solutions Ltd Xmas Lunch and Learn for Free Sector Money Advisers. The presentation focused on the provision of free debt advice services in Scotland.

Many of the figures come from an Improvement Service report which will be published in full in January 2018.

The presentation was delivered to an audience of money advisers working in Scotland’s free advice sector, and focused on the funding challenges that local authority debt advice services are facing, with anticipated funding cuts for the financial year 2018-19.

It examined possible ways of introducing transformational changes into how debt advice services in Scotland are delivered. This included possible changes to the Debt Arrangement Scheme and the use of open banking technology.