Do you know the difference between a Fixed Penalty Charge, a Penalty Charge Notice or a Parking Fine Notice? What you need to know about parking fines in Scotland.
Scottish Adviser Blog
If Carlsberg Drafted Legislation (it wouldn’t have drafted this)
The Accountant in Bankruptcy’s new Debt Arrangement Scheme Regulations a further example of poor legislation by an agency serving only it’s own interests.
Money Advice Scotland at 30
As Money Advice Scotland celebrates it 30th birthday, I review it’s latest conference and ask is it still relevant for Money Advisers?
Time Order: New Online Tool
Advice Scotland is providing a new online tool that can be used by consumers and advisers alike, to identify when a Time Order may be an appropriate solution for them or their clients. Time Orders are legal remedies that have been available for 45 year in Scotland, but are rarely used. However, as I have […]
Dividing up the Cake: The New Debt Arrangement Scheme
Is the Accountant in Bankruptcy’s plans for a new Debt Arrangement Scheme a game changer? Or are we just divvying up the cake, with the consumer an after thought?
Blue Sky Thinking Scotland’s Debt Law
On the 19th April the Scot Gov’s consultation into Trust Deeds closed. For many the process will have felt like being trapped in a spinning hamster wheel.
CAB Adviser in Repo Case not Authorised
A Scottish Citizen Advice Bureau has admitted that it’s adviser, in a home repossession case, was not authorised to act as an Approved Lay Representative for the Defender. In General Asset Management v Catherine Ruane, a case which involved a homeowner who had accrued mortgage arrears, Sheriff Jamieson has held Ms Ruane could proceed with […]
Lenders Demand Protection for Consumers against Protection
Consumer Credit Trade Body the CCTA has called for Consumer Champions to support them in reigning in Consumer Protection Regulation.
Who is Providing Money Advice in Scotland?
New figures show locally based, face to face money advice service remain the largest providers of debt solutions in Scotland.
Is Minister receiving good Information on Common Financial Tool?
As Scottish Government, Jamie Hepburn, announces he will now suspend plans to introduce the Standard Financial Statement into Scotland, questions need to be asked whether he is being provided with accurate information about the policy?
