It goes without saying that policy that underpins the decision to make legislative reforms, or not as the case may be and is based on premises that are not supported by evidence, produces bad laws or allows bad laws to remain in place. We have already seen this in relation to the Bedroom Tax and […]
First published in The Journal Online, the publication of the Law Society of Scotland. New rules on lay representation introduced this month, taken with the other schemes that continue in force, have resulted in an excessively complicated picture that should be simplified The introduction of s 127 of the Legal Services (Scotland) Act 2010 into […]
Recent changes to the Debt Arrangement Scheme have increased its usefulness to debtors, while providing a means for creditors often to obtain more than they would in an insolvency There is a common misconception that in times of economic hardship the use of formal debt remedies increases. This isn’t necessarily true. It is true to […]
Just in case you missed it, in a scene that was like a throwback to the days of New Labour spin, Scotland’s Accountant in Bankruptcy yesterday re-released a press statement from last month. She was re-announcing that her office had entered a partnership with North Ayrshire Citizen Advice Service (NACAS) to provide an in-house advice […]
It has been a decade since statistics were available into the use of diligence in Scotland. New figures show a country ridden with increased aggression in debt recovery, and a Sheriff Officer profession largely sustained by the enforcement actions of local authorities. New Scottish Government figures have provided the first real look at how the […]
Do we need a respect agenda in Scotland for how treat people experiencing financial difficulties. This a blog I wrote over 10 years ago and is more relevant today then it was then.
By Alan McIntosh Be scared, very scared, as Scotland’s Accountant in Bankruptcy seems hell bent, yet again, on trying to spread its tentacles and grow its empire as the de facto godfather of Scotland’s personal debt solutions. Fears are that after receiving a bruising defeat by the personal insolvency industry in relation to its attempts […]
An outline of Scots Law on Debt and Mental Capacity Law and what options are available to help people with debt and who lack mental capacity.
First published in the January 2009 edition of SCOLAG Bankruptcy and Diligence Etc (Scotland) Act 2007 Although at the time of writing no draft regulations or precise dates are available, the next stage of implementation for the Bankruptcy and Diligence Etc (Scotland) Act 2007, appears to have been delayed and will be at the end […]
The Debt Arrangement Scheme (DAS) is now approaching its fourth anniversary, but before it reaches that it will go through its second review, which is expected to run between July and December this year. The first review, which was implemented at the end of June 2007, allowed, inter alia, for the automatic waiving of interest […]