Financial advice where people need it

ADVICE UK FUNDING FOR GRANTON INFORMATION CENTRE

People struggling to manage their household finances can now benefit from increased support in a range of community settings thanks to a new accessible advice fund.

Almost £1 million has been distributed to partnerships between advice agencies and other local services such as schools, charities, hospitals and mental health services.

The fund will build on the success of the Welfare Advice and Health Partnerships initiative that put dedicated advisers into 180 GP practices in some of Scotland’s most deprived and rural areas – helping to reach those most in need.

Granton Information Centre launched the very first pilot in Scotland when they partnered with Muirhouse Medical Centre. Since that first successful partnership the outreach service has been expanded and GIC now delivers advice at GP practices across the city in Crewe Medical Centre, Ladywell, Barclays Medical Practice at East Craigs and Restalrig Park.

The new funding will enable Granton Information Centre to deliver new services in partnership with Pilton Community Health Project, The Ripple Project and Saheliya.

Two other Edinburgh projects have also received accessible advice funding. CHAI Edinburgh will partner with Rock Trust, and Harbour Homes (formerly Port of Leith Housing Association) with YMCA Edinburgh.

There will be a particular emphasis on providing advice to those who are traditionally hardest to help or who have not sought advice before.

Housing Minister Paul McLennan said: “The cost of living crisis is putting many households across Scotland under huge strain. Advice services play an increasingly critical role across Scotland’s communities by helping people to access support and benefits they may be entitled to, as well as helping them to understand their rights.

“This funding is part of more than £12.3 million that the Scottish Government is providing this year to support income maximisation, welfare and debt advice services. It will ensure we provide people with advice in places where they are more likely to already be, and we will focus particularly on reaching families.

“We know that early access to advice can make a dramatic difference to people’s financial situation and prevent issues – including debt – escalating.”

Grants are being distributed on behalf of the Scottish Government by Advice UK, the largest support network for independent advice organisations in the UK.

Projects with a focus on families, including disabled or single parents, those caring for a disabled person and parents from minority ethnic communities are among those which have been successful in securing funding.

The scheme is funded in part through the Scottish allocation from the Debt Advice Levy, which is raised by the UK Financial Conduct Authority by applying a levy to UK Clearing banks and consumer credit businesses.

Evidence from the Glasgow Centre for Population Health has highlighted the success of embedding welfare advice in GP surgeries. Initial findings from an interim report, conducted by the Improvement Service and covering the period between January 2022 and March 2023, showed that 89% of the almost 10,000 Welfare Advice and Health Partnership service users were ‘new’ users of advice – highlighting that the provision of welfare advice in accessible and trusted settings is allowing wider populations to engage with vital services.

The Scottish Government estimates that more than 60,000 people were supported by Scottish Government-funded debt advice services in 2022-23.

Community groups invited to welfare rights conference

NAWRA (National Association of Welfare Rights Advisers) is coming to Edinburgh and we are in the process of making our final arrangements for our quarterly meeting on 8th September 2017, which doubles as our annual Scottish conference (writes CRAIG SAMUEL, NAWRA Scotland representative).

Our conference this year is being held at Edinburgh City Chambers and whilst our membership covers many welfare rights services I am reaching out to all community groups to invite them to get in touch as more and more community groups are being asked to deal with queries on income and many occasions state benefits.

In case you are reading this and are unfamiliar with our work at NAWRA our aims and objectives include challenging, influencing and to improve welfare rights policy and legislation and we are involved with various government stakeholder groups whereby we recognize and challenge discriminatory legislation and we promote welfare rights issues and encourage effective partnership working.

I am ever so proud to have been asked to represent NAWRA in Scotland and part of my role is to attend stakeholder’s meetings for the roll out of PIP (Personal Independence Payment) and I also represent NAWRA at our stakeholders meeting with SCoWR (Scottish Campaign on Welfare Reform) whereby we continue to feedback in relation to Social Security.

Whilst I am proud to have been asked to represent NAWRA in Scotland – and I am extremely proud – but what really drives me and my organisation is the help we can provide our communities in fighting inequalities and these communities, don’t forget, also includes our friends, neighbours and families.

At NAWRA we encourage community groups to get involved and I will be happy to discuss with any community group that may be interested in attending or indeed joining NAWRA as throughout United Kingdom we know that representation is becoming more difficult to find due to budget cuts both locally and nationally.

NAWRA can support any community group and assist with issues that may be relevant, for example we know families who were already vulnerable to losing their homes now face further cuts since UK government changed the benefit cap level at the end of 2016 and placing a freeze on many benefits.

Welfare rights is not just about providing a foundation through income but through providing hope and allowing potential to be realized as at the minute opportunity is scarce as we can see with our friends at Sheffield Hallam University producing a recent academic paper looking at the destruction of industrial Britain.

We can see the destruction of traditional industrial areas and these have been decimated over the last 40 years and I am not alone but I personally remember watching in awe of dockers, miners and in my own experience of watching my grandfather’s work with the gas industry or indeed my father in the wire works and Scottish gas.

Having used their bodies to build our country do we see any protection towards these workers.  Well what we see is industries lost, jobs lost and people left with disabilities having put their bodies on the line for their community and country.

Is there protection? Well for some yes but due to the design of PIP (personal independence payment) and implementation we can see since the transfer from DLA (disability living allowance) over 1 million PIP claims have been refused and people who need it most are losing out and when in their hour of need and when needing it most they are being dismissed and left with no foundation to move forward.

At our conference, we shall have speakers and workshops throughout the day and our conferences continue to be offered without charge to our members and our memberships, which start as little as £40.00 per year, is per organisation making it accessible and economical to all organisations.

I hope you agree with me in acknowledging how important our conferences are and how important it is to receive the best advice and how every situation is different and intricate so I look forward to seeing you at our meeting on 8th September 2017 or being contacted beforehand at craig@nawra.org.uk  –  our agenda can be seen at www.nawra.org.uk

CRAIG SAMUEL, NAWRA Scotland representative