A Consumer Credit Trade Body, the CCTA, that represents over 250 consumer lenders, including firms that specialise in log book loans, high-cost credit and guarantor loans, has come out and demanded greater […]
Despite experiencing cuts of up to 45% in funding between 2014 and 2017, new statistics produced by the Accountant in Bankruptcy (AIB), released under Freedom of Information legislation, shows that locally based, […]
As welcome as the announcement is that Jamie Hepburn is suspending plans to immediately introduce the Standard Financial Statement, questions now need to be asked, has the Minister been receiving the best […]
Time Orders are a subject I have touched on and returned to on several occasions in this blog over the last year.
In relation to Hire-Purchase agreements for cars and Conditional Sale and Personal Contract P […]
The Scottish Government have released figures showing who the top five providers of the Scottish Debt Arrangement Scheme were in 2017/18.
The largest provider by far, was the UK debt charity, Stepchange.
For some bizarre reason, Advice Direct Scotland, an independent Scottish Charity, and an Independent Member of the Scottish Association of Citizen Advice Bureaux, has decided to run a pay per click campaign to […]
In light of the decision of the Court of Appeal in the English case of Doyle v PRA Group UK Limited (2019 EWCA Civ 12), I am grateful for Paul Tilley of Wannops LLP for sharing a decision of the Scottish Sheriff […]
The Scottish Parliament’s Economy, Energy and Fair Work’s Committee have now released their Report into the Scottish Government’s draft Common Financial Tool Regulations.
The recommendations of the Committee […]
With the next financial year likely to be a pivotal one for the money advice sector, in the UK and in Scotland, Alan McIntosh looks at a growing theme of whether a UK or Scottish approach should be adopted.
John McGleish v Graham Cameron Tough and Maureen Leslie
This case, decided by the Sheriff Appeals Court considered an obscure area of bankruptcy law, which has not seen much discussion, nor had much judicial […]
A presentation I delivered on the 13th December 2018 at the AMI Financial Solutions Ltd Christmas Lunch and Learn event. It explores the ideas of a Scottish Debt Solution Advice Levy to fund free local authority […]
Here is the link to Mike’s case
A recent case in Greenock Sheriff Court, where I am representing, has raised some interesting questions about what the effects are of a Time Orders under section 129 of the Consumer Credit Act 1974 (1974 Act). A […]
Scottish Government Minister, Jamie Hepburn, Minister for Business, Fair Work and Skills, has written the Economy, Jobs and Fair Work Committee of the Scottish Parliament to withdraw the Common Financial Tool […]
You can still get a bank arrestment, but only for the debts belonging to the person who owns the account.
So, for example, if the account is in your name and your friend uses your account, it can be arrested for your debts, but not theirs. However, if their money is in your account when it is arrested, then in theory they could lose…[Read more]
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