Day: October 8, 2020

New debt letters rules will support people in problem debt

New rules for debt letters will help people to better understand and manage their debts, reducing distress and supporting mental health

The letters borrowers receive from their lenders when they are seriously behind on repayments will be easier to understand and less intimidating as a result of new rules proposed by the Treasury today.

Default Notices are designed to give people who are falling behind on their debts fair warning before lenders take further action, but much of the formatting and content has not been updated in nearly 40 years.

Research from the Money and Mental Health Policy Institute and debt charities has shown that large amounts of capitalised text and legal terms can make the information contained in the letter hard to understand, which has the unintended consequence of confusing and distressing people. This has a negative impact on people’s mental health as well as their ability to effectively manage their debt.

As part of the government’s effort to support people in problem debt, it will legislate to change the language and presentation of information in debt letters. T

The new rules will make debt letters less threatening by restricting the amount of information that must be made prominent and requiring lenders to use bold or underlined text rather than capital letters. Lenders will also now be able to replace legal terms with more widely understood words and letters will clearly signpost people to the best sources of free debt advice.

John Glen, Economic Secretary to the Treasury, said: Being behind on your credit repayments can be a really distressing experience which is made worse by a confusing and intimidating letter from your lender.

“As part of our effort to help to people struggling with their finances, it’s right that we look again at the legislation around these letters. These new rules will help to take the fear out of finance by ensuring that letters are easier to understand, less threatening, and empower people to take control of their finances.

“Some vital work has been done by charities, the industry and the Money and Mental Health Policy Institute and I am grateful for their support in tackling this important issue.”

Martin Lewis, Founder and Chair of the Money and Mental Health Policy Institute charity, said: It’s no exaggeration to say that this change could save lives. Over 100,000 people in England alone attempt to take their lives each year due to debts, and four times that consider it.

“So we’re delighted the government has agreed to back this element of our campaign and change the default demand rules. The last thing people struggling with debt need is a bunch of thuggish letters dropping through the letterbox, in language they can’t understand, written in shouty capitals alongside threats of court action.

“And the timing is crucial, with millions of people facing debt and distress due to the pandemic, the sooner we end these out-of-date laws which force lenders to send intimidating letters the better. Today’s changes will make the most distressing debt letters much less intimidating, and crucially will also easily and calmly point people in serious debt to get the free, non-profit, debt advice they need.”

Eric Leenders, Managing Director, Personal Finance at UK Finance said: “The banking and finance industry understands the impact that debt can have on a customer’s wellbeing and has been working closely with government to help support customers, especially those in vulnerable circumstances.

“Lenders have to send Default Notices and these important changes announced today will ensure that customers receive more appropriate and supportive communications.”

These new rules are the latest in a wide package of support put in place to help people struggling with their finances, especially through coronavirus.

This includes £38 million of extra funding to debt advice providers this year and working with lenders and financial regulators to give people access to payment holidays on their mortgages and a range of consumer credit including credit cards, personal loans, motor finance and payday loans.

The government has also given the Financial Conduct Authority strong powers to protect consumers who borrow money, including cracking down on payday lenders, capping the cost of rent-to-own, and taking action on overdraft fees.

The new rules will be delivered through secondary legislation and are expected to come into force in December 2020. All lenders will then be required to make the changes within six months.

If you are experiencing debt problems, don’t ignore it and hope it will go away – it won’t; it will get worse. Seek help NOW.

Granton Information Centre can help. Telephone 0131 551 2459 or 552 0458 or email info@gic.org.uk

Clean Air Day: are cars electric?

To encourage more people to drive an electric vehicle on Clean Air Day Scotland, (today, Thursday 8th October), the UK’s largest national car club network, Enterprise Car Club, is offering members up to £40 free driving credit when they book any of its 24 electric cars based in Scotland.

The vehicles are located in in dedicated bays with their own charging points in Edinburgh, Glasgow, Dundee, Stirling and Fife (at Lochgelly and Cardenden).

Enterprise has also permanently expanded its Scottish car club fleet with 10 brand new electric vehicles to give more drivers the opportunity to try the technology for free on Clean Air Day Scotland, and beyond, bringing the total up to 24 plug-in electric cars. All 24 cars are either a 2019 or 2020 40kWh Nissan Leaf and feature the latest environmentally friendly technology and 180 miles of range.

Every Enterprise Car Club vehicle is cleaned between each rental and is backed by the Complete Clean Pledge, an enhanced series of cleaning and hygiene measures to bring reassurance to renters since COVID-19 and ensure that car club use continues to be a reliable motoring option.

The Complete Clean Pledge includes vacuuming and sanitising with a disinfectant that meets leading health authority requirements, with particular attention to more than 20 high-touch points.

Clean Air Day is the UK’s largest air pollution campaign. Dozens of ‘virtual’ promotional events involving hundreds of people, including school children, are being held across Scotland with the campaign led by Environmental Protection Scotland (EPS) on behalf of the Scottish Government.

Enterprise is seeing growing support for its electric vehicle fleet across the UK. While the majority of renters drive fewer than 50 miles when they use an electric vehicle, many are regular users and happy to drive an electric car for 100 miles or more per day. People booking the vehicles can check the charge level on the Enterprise app to ensure that it is ready to meet their needs.

Transport Secretary Michael Matheson said, “We know that the number of people in Scotland who would consider buying an electrical vehicle continues to increase year on year, so what better way to mark Clean Air Day than to allow them to try driving one for free?

“We also know that the price point for new vehicles remains high for many, despite prices coming down as demand increases. Car clubs are a fantastic opportunity for more drivers to enjoy the benefits of an electric vehicle and will help us in our bold ambition to phase out the need for new petrol and diesel cars and vans by 2032.”

EPS Policy and Communications Officer John Bynorth said: “Having recently hired an electric vehicle to drive from Glasgow to Inverness and back, I can say this is a fantastic way to travel about the country in an environmentally friendly way.

“There are zero exhaust tailpipe emissions from EVs, making them the cleanest vehicles on our roads and helping to improve air quality. The average distance between any given location in Scotland and the nearest charging point is just 2.78 miles and there are over 3,600 charge-points, with multi-vehicle charging hubs in Dundee and Falkirk. We encourage motorists to rent an Enterprise Car Club electric vehicle and help make October 8 the cleanest Clean Air Day yet.”

“We are delighted to be supporting Clear Air Day Scotland by giving people an extra incentive to try driving an electric vehicle,” said Diane Mulholland, General Manager for Enterprise Scotland.

“Car clubs benefit communities in many ways and have been proven to reduce mileage because people only pick them up when a car is absolutely the right vehicle for a trip. A shared electric vehicle not only reduces road traffic – it also means zero emissions. We’re very proud to have Scotland’s largest publicly available EV fleet, and we’re looking forward to seeing more people trying them out.”

Enterprise Car Club is the UK’s largest national network of on-street low emission car club vehicles and is one of the most convenient ways to get motoring quickly. Members can book Enterprise Car Club with an app, open the vehicle with a smartphone and head off on their trip within moments.

Members of Enterprise Car Club can pick up any of the 1,400 on-street vehicles currently available for rent in more than 180 cities, towns and communities across the UK at many locations including on-street, at Enterprise Rent-A-Car branches, at railway stations and in many housing development.

Car clubs have been shown to bring a range of benefits. They can reduce CO2 emissions, help towns and cities to improve air quality, encourage the adoption of electric vehicles, make business travel policies greener, promote shared transport and encourage active travel.

Membership to Enterprise Car Club costs from £2 per month. Vehicles can be booked either by the hour or by the day. Check the Enterprise Car Club website for more information on the Scotland Clean Air Day promotion.

Together Let’s Care for your Mental Health

You’re not alone with your mental health. We’re here to help you.

This is the clear message coming from NHS 24, Police Scotland and the Scottish Ambulance service as they launch a new campaign to support mental health and wellbeing for people across Scotland in time for World Mental Health Day on 10 October 2020.

The Together Let’s Care for your Mental Health campaign aims to raise awareness of a range of mental health information and services that support mental health.

It’s been developed to support wider partnership working between NHS 24, Police Scotland and the Scottish Ambulance service as part of a joint response to the Scottish Government Mental Health Strategy 2017-2027.

Over the past 18 months, the three organisations have been working together to develop new ways to support people in mental health distress when they contact their services.

NHS 24 has created a new 24/7 Mental Health Hub that provides support for those contacting the 111 service. In addition, people calling Police Scotland in mental health distress are also now offered access to the 111 Mental Health Hub service. Collaboration work with Scottish Ambulance Service is also underway to develop a similar pathway.

Under the banner ‘Together Let’s Care for your Mental Health’ the partners are able to signpost to a range of self-help guides and options for further support at www.nhsinform.scot/youmatterwecare.

This campaign page also offers additional information for a range of day to day concerns such as anxiety, depression, young people’s mental health needs, alcohol, gambling and drug use.

NHS 24 offers a range of mental health services in addition to the 111 Mental Health Hub, including Breathing Space’s telephony and web chat services, NHS inform self-help guides, and Living Life’s CBT service.

Stephanie Philips, Director of Service Delivery at NHS 24, said: “We are pleased to be working together with Police Scotland and the Scottish Ambulance Service to provide the best possible outcomes for people in mental health distress.

“We are able to support many of those who come into contact with our services to find support and self-care options in their own communities but we are also absolutely reinforcing the message that if you need help now there are a range of services available to you.

“We really want people in mental health distress to know that they are not alone. Our team are here to help those getting in touch with our services with a compassionate response.”

Mental Health Minister Clare Haughey said: “I doubt there is a single one of us who has not thought about our own mental health and wellbeing at some point over the past few months.

“In many ways, the pandemic has helped to destigmatise mental health, and reminded us that it is okay not to feel okay. More people have been asking each other how they are doing and the importance of good mental health is clear.

“Since the beginning of the pandemic, we have invested £6 million of additional funding to support the population’s mental health, including £2.1 million to expand the NHS 24 Mental Health Hub so that it is now available to the public 24 hours a day, seven days a week.

“Round the clock, trained practitioners at NHS 24 will offer callers a compassionate and empathic listening service based on the principles of psychological first aid, as well as advice, signposting and onward referral to local services if required.”

Police Scotland Assistant Chief Constable Gary Ritchie (Partnerships, Prevention and Community Wellbeing) said: “Protecting vulnerable people is a priority for Police Scotland as part of our statutory requirement to improve the safety and wellbeing of people, places and communities.

“Much of the demand on the organisation now comes from incidents which no longer result in a crime report being raised, such as people in distress or experiencing a mental health crisis. Calls of this nature can come to the police from concerned family and friends, passers-by, and other agencies, as well as individuals themselves.

“Police Scotland has recently completed the national roll-out of a new way of assessing calls to its 101 and 999 service to improve the way we respond to contact from the public.

“Where appropriate, we engage in partnerships with colleagues around the country in health, social care and third sector organisations to help people to access the most suitable support at the appropriate time.”

Frances Dodd, Director for Care Quality and Professional Development for the Scottish Ambulance Service said: “We are delighted to be working with our partners in NHS 24 and Police Scotland on ‘Together Let’s Care’.

“Integrated working across services on issues like mental health means we can deliver a joined up approach to supporting patients and working together to deliver improved care for those suffering mental health across Scotland.

“The ‘Together Let’s Care’ campaign is designed to assist patients to access the right mental health services first time, and allow health professionals, Police and community-based staff to further enhance the support and services currently in place. 

“This campaign increases signposting to a wide variety of self-help guides with the aim to support clinicians improve mental health outcomes by increasing access to specialists and services within local communities.

“It’s so important for all of us to be mindful of our mental health and wellbeing, address mental health issues early and seek help if needed. This service is one part of the system that will ensure we as a community can help identify and address mental health issues early, enabling people to find pathways to healthy, productive and fulfilling lives.”

Latest plan to stop COVID spread

Temporary steps announced to tackle record infection rates.

Further measures to reduce the spread of coronavirus (COVID-19) are to come into effect tomorrow as Scotland recorded more than 1,000 new positive test results in a single day.

First Minister Nicola Sturgeon told parliament yesterday that actions are needed now to prevent a return to the peak level of infections experienced in spring by the end of this month.

She said: “While there are significant restrictions still in place – and they are hard and painful – we are living much more freely now than in the spring and early summer.

“We are determined – if at all possible – that this will continue to be the case. We are not going back into lockdown today. We are not closing schools. We are not halting the remobilisation of the NHS for non-Covid care. And we are not asking people to stay at home.

“The need for action is highlighted by today’s figures and, more fundamentally, in the evidence paper published today. To try to interrupt this trajectory, we must act now. While the measures will feel like a backward step, they are in the interests of protecting our progress overall.

“It is by taking the tough but necessary action now that we hope to avoid even tougher action in future.”

The new restrictions, backed by a new £40 million support fund for business and the existing UK Job Retention Scheme, will be in place nationwide for 16 days, with tighter restrictions across central belt areas where the infection rate is highest.

Restrictions on licensed premises will come into force from 6pm tomorrow (Friday 9 October), with all other restrictions applying from 00:01 Saturday 10 October.

The new measures are:

Nationwide (excepting central belt areas):

  • Hospitality (food and drink): all premises may only open indoors between 6am and 6pm, with no sales of alcohol
  • Hospitality (food and drink): premises may open outdoors until 10pm, with sales of alcohol (where licensed)
  • Takeaways (including from pubs and restaurants) can continue
  • Evening meals may be served in accommodation for residents only but no alcohol can be served
  • Current meeting rules, maximum of six people from two households, continue to apply
  • Specific life events, such as weddings and funerals, may continue with alcohol being served, with current meeting rules for these events (20 person limit in regulated premises only)

Central belt area focusing on five health board areas (Ayrshire & Arran; Forth Valley; Greater Glasgow & Clyde; Lanarkshire; Lothian):

  • All licensed premises will be required to close, with the exception of takeaway services
  • Cafés (unlicensed premises) which don’t have an alcohol licence will be able to open between 6am and 6pm
  • Takeaways (including from pubs and restaurants) can continue
  • Evening meals may be served in accommodation for residents only but no alcohol can be served
  • Specific life events, such as weddings and funerals, may continue with alcohol, with current meeting rules for these events (20 person limit in regulated premises only)
  • No group exercise classes for indoor gyms and sports courts, pools with an exemption for under 18s
  • No adult (18+) contact sports or training, except professional sports, indoor or outdoor
  • No outdoor live events
  • Snooker/pool halls, indoor bowling, casinos and bingo halls are to close
  • Public transport use should be minimised as much as possible, such as for education and work, where it cannot be done from home
  • Current meeting rules, maximum of six people from two households, continue to apply

Additionally, from this weekend, shops across Scotland are asked to return to two metres physical distancing and reintroduce the mitigations they put in place earlier in the pandemic, including one-way systems.

The challenge Scotland faces has also been set out in an evidence paper published today by senior clinical advisors: the Chief Medical Officer, the Chief Nursing Officer and the National Clinical Director. It shows the R number is currently higher in Scotland than in other UK nations and that three weeks after opening hospitality, the R number rose to 1 and above.

In the seven days up to Monday, the number of people in hospital with Covid increased by almost 80%. In the past week, cases in people over 80 years old increased by 60% and cases in the 60-79 year old age group more than doubled.

During the period these measures are in place, the Scottish Government will work with all sectors to review guidance in place to ensure all steps are being taken to minimise COVID-19 transmission and support compliance with regulations.

Edinburgh Chamber of Commerce has reacted to the announcement, which will decimate many of Scotland’s businesses – in particular, the hospitality sector which employs tens of thousands of people in Edinburgh.

In particular, businesses in the sector believe:

  • The evidence base on which the Government is making decisions which have such devastating impacts needs to be more robust and compelling. The Government’s own analysis is that 1 in 5 of those reporting infections have visited hospitality venues, and acknowledges that there is no evidence confirming where they acquired the virus
  • The First Minister acknowledges that the vast majority of hospitality businesses have spent scarce resources and significant time making their premises as safe as possible, yet still hospitality venues bear the brunt of restrictive measures
  • There has been NO genuine consultation with the sector on what measures are necessary and NO desire to seek any potential alternative solutions with businesses.

Joanne Davidson, Director of Policy at Edinburgh Chamber of Commerce, said: “Everyone in the country acknowledges the pandemic is a serious public health issue and we appreciate that Government has to make hard decisions in the current climate.

“However, it is an issue we need to tackle together, and that means involving businesses in the process. Taking decisions without recourse to those whose lives, businesses, employment and well-being are torn apart by these decisions is not the way to bring our country through this process successfully.

“Along with all of our colleagues in the Chamber network, we call on the Scottish Government to consult in a genuine way with business, to provide more robust data on which serious decisions are being based, and to seek solutions and meaningful engagement with the business community which minimise the impact and ensure adequate and appropriate financial support is made available to protect jobs and livelihoods.”

Federation of Small Businesses Scotland is warning that the mental health of small business owners and the self-employed has suffered during this pandemic.

FSB’s Andrew McRae said: “The vast majority of those in business want to be – and are – playing their part in tackling the crisis. But this year has taken its toll on the mental health of those that work for themselves, especially those that operate in certain sectors.

“Governments north and south of the border need to ensure there’s enough help on offer to see smaller firms through a crisis that’s not of their making. These local firms aren’t expendable, and care needs to be taken not to treat them as such.”

FSB offers a range of mental health support advice for members and the wider small business community.