Dr Owl's wise winter advice

Dr Owl will soon be making an appearance in Edinburgh offering his “wise” winter health tips as part of a major public health campaign.

With Christmas only a few weeks away, NHS Scotland’s Be Health-Wise this Winter campaign is visiting the capital next Thursday (4 December) to offer advice on some simple steps locals can take to help themselves and their families enjoy a healthy festive period.

Dr Owl is advising people to check they have cold and flu remedies in their medicine cabinet, make sure they have enough repeat prescription to last over the festive period, and to make sure they know when their GP surgeries are open over Christmas and New Year.

Staff from Scotland’s national telehealth service, NHS 24, will be on hand at the event to offer advice on how to stay well this winter and answer questions about winter health issues.

This year’s Be Health-Wise this Winter campaign is being supported by The Co-operative Pharmacy and winter health packs – containing an information leaflet, lip balm, hand sanitisers and plasters – will be available to visitors to the roadshow.

NHS 24’s Medical Director Professor George Crooks said: “The Be Health-Wise This Winter roadshow in Edinburgh offers the ideal opportunity for locals to take some time out from their Christmas shopping to get some important information about their health this winter.

“By preparing ahead, people can ensure they make the most of the festive period, by not allowing winter coughs and colds to spoil their holiday. Listen to the wise words of Dr Owl and make sure you have cough and cold remedies at home to deal with any winter ailments that may strike this winter.

“Your local pharmacist is also a good source of information and advice on what to have in your medicine cabinet. If you need to visit your GP, try to schedule an appointment before the festive period and make sure you submit your repeat prescription request in plenty of time and pick it up in plenty of time.”

Nisith Nathwani, Regional Development Manager for The Co-operative Pharmacy and General Council Member for Community Pharmacy Scotland, said: “We are very pleased to support NHS Scotland’s Be Ready for Winter campaign and our Co-operative Pharmacy branches up and down the country will be on hand to offer health advice and winter remedies to our local communities throughout the winter.

“Our pharmacists are trained to offer health and medication advice and should be the first port of call throughout the winter months.”

This year, GP surgeries throughout most of the country will be closed for four days at Christmas (25-28 December), before re-opening on Monday 29 December and again for four days at New Year (1-4 January), before re-opening again on Monday 5 January.

The national Be Health-Wise this Winter campaign is supported by NHSScotland in partnership with NHS 24, the Scottish Ambulance Service and all 14 Scottish Health Boards.

General advice and information on how to stay healthy this winter can be found at www.nhsinform.co.uk or contact NHS inform on 0800 22 44 88.

The Be Health-Wise This Winter roadshow will be at the Wester Hailes Healthy Living Centre on Thursday 4 December between 10am and 4pm.

Check you have cold and flu remedies

Many children and adults pick up common winter ailments such as a cold or flu-like illness. These can often be effectively treated at home with readily available medicine. Parents are reminded to restock their medicine cabinet with remedies suitable for children.

Use your local pharmacy

Your local pharmacy is an accessible resource for you and your family. Your pharmacist can offer advice or help if you have run out of any prescribed medication. You can also collect medicine for minor ailments or illnesses.

Make sure you have repeat prescriptions. Only order what you need and pick it up in plenty of time.

If you, or someone you care for, require medicines regularly, check that you have enough and if you need more remember to order and collect repeat prescriptions in good time to ensure you or your family have enough medicine to last over the Christmas holiday period. Only order what you need.

Know when your GP surgery will be open

Your local doctor’s surgery will be open on Wednesday December 24^th and will then reopen on Monday 29th December. This means there are four days when it is closed – Christmas Day, Boxing Day, Saturday 27^th and Sunday 28^th.

Doctors Surgeries will follow normal opening hours on Wednesday 31^st December and will then reopen on Monday 5^th January.

LOOPS phone support for older people

Last month Volunteer Centre Edinburgh launched a new dedicated phone line for people aged 65 and over living in North West and South East Edinburgh, giving easy access to information on a huge range of activities available to them.

loops nw poster

Using a dedicated direct dial number 0131 603 8311, lines will be open from 10am to 2pm Monday to Friday with a call back service outside of these times.

There are trained friendly volunteers taking calls and chatting through options along with an email service on loops@volunteeredinburgh.org.uk.

People are living longer and the new phone line aims to help people maintain a good quality of life by giving access to information on activities which can help keep us happy and healthy as well as giving us a great excuse to socialise.

The phone line is part of the Local Opportunities for Older People, or LOOPs initiative which is piloting a variety of innovative, new services across Edinburgh aimed at encouraging people 65 plus.

The phone line is hoping to reach out to as many as possible. We are hoping you will be able assist with the distribution of information to people that would benefit from the service and pass on information so that we can reach as many people as possible and tackle the effects of loneliness and isolation while improving the quality of life.

The LOOPS Newsletter can be seen on http://us2.campaign-archive1.com/?u=0b38cc2994553b30f6e3d8565&id=2ded133f71&e=bd92abb693

Heather Yang, LOOPs Development Officer

Partnerships Make Advice Work in Edinburgh

Edinburgh’s ‘Making Advice Work’ (MAW) programme is now one year old, and delegates to a Scottish Parliament reception heard that the service has delivered quality advice and support to clients in desperate need of help across the city.

Last October the Scottish Legal Aid Board (SLAB) was asked by the Scottish Government and the Money Advice Service to run a new grant funding programme to focus on improving access to advice. A wide range of Edinburgh-based organisations joined together and successfully bid for MAW funding and an interim report on progress was presented at an event at Holyrood last night.

The statistics are impressive – over twelve months MAW-funded organisations gave advice to 1632 people who reported accumulated debts of over £1.2 million. Clients were represented at 119 tribunals or Sheriff Court cases and financial gains achieved for clients totalled over £1.8 million. It’s worth noting that in many cases these figures are in addition to organisations’ other client groups – organisations like Granton Information Centre have been able to see more people in need as a direct result of SLAB funding.

Statistics only tell part of the story, however, and behind ever figure there is a person or family in need of help and support. The recession and subsequent welfare reforms have hit communities hard and all advice agencies have struggled to cope with record numbers of clients. For some, it’s being unable to understand complicated forms, for others it’s an unexpected change of circumstances. Some are these are on the verge of losing their family home, some facing mounting debts with seemingly nowhere to turn – and all of them need help.

Housing and Welfare Minister Margaret Burgess MSP knows more than most the value and importance of good quality advice – she has front line experience as a former adviser with Citizens Advice. One grateful former client recently recognised and approached the Minister – not as a politician but as a person who was there to provide support when it was most needed – fully nine years ago!

After talking of the social challenges faced by families and communities, Ms Burgess told delegates: “There are undoubtedly challenges, but we can see through the case studies and your report that help is being provided to those most in need. Tonight is a night to celebrate what you have achieved”.

Projects involved in the partnership include CHAI, Citizen Advice Edinburgh, Dunedin Canmore, Deaf Action, Shelter Scotland, Hillcrest Housing Association, Granton Information Centre, The Action group, Cyrenians, Prospect Community Housing, Port of Leith Housing Association and the City of Edinburgh Council.

Making Advice Work has three programme streams – community-wide advice, helping tenants of social landlords and a thematic stream which aims to tackle barriers in accessing advice for people with disabilities and others experiencing domestic abuse.

The Making Advice Work projects operating across the city cover all three of these programme themes, and David Gardner (CHAI), Brendan Fowler (Prospect Community Housing) and Cheryl-Ann Cruickshank (Shelter Scotland) gave short presentations to give a flavour of the type of work taking place in Edinburgh.

Brendan Fowler explained: “It can be intense, but the best advice is face to face, one to one. This project is good value for money because it works. This funding has helped to change people’s lives”.

SLAB Chief Executive Lindsay Montgomery CBE (above) thanked the organisations for their efforts over the last twelve months. “When this funding was introduced we were very clear that it would be dependent on organisations being able to show that they could work in partnership with others to produce positive outcomes. The results so far have been very encouraging and it’s to be hoped that other parts of Scotland will follow Edinburgh’s lead”.

The event was co-sponsored by Labour MSPs Sarah Boyack and Kezia Dugdale.

For more information on Making Advice Work – and the organisations involved in the programme – go to http://goo.gl/HPnt9E

New projects to help families tackle money worries

£2.4 million funding to help families deal with debt

Community projects which will help vulnerable families deal with debt and welfare problems are to benefit from a £2.4 million funding boost. The money will see 16 projects receive significant funding through the Scottish Legal Aid Board’s ‘Tackling Money Worries’ programme.

Local independent advice agency Granton Information Centre is a partner in two Edinburgh initiatives – with Stepping Stones and Changeworks in Canny Families, which provides help to young families and expectant mothers in North Edinburgh, and the Family Friendly Money Advice project in Leith, a collaboration with NHS Lothian, Citadel Youth Centre, Dr Bell’s Family Centre, the City of Edinburgh Council and Edinburgh Community Food.

See below for the full Tackling Money Worries project list

TMW_Project_Listing_2014

‘Tackling Money Worries’ support will be focused on low-income families facing a change in their circumstances, as this places them at higher risk of debt and money problems. Among the projects are:

• Eight projects focusing on the birth of a child and early years;

• Two projects focusing on changes to family structure; for example, when a relationship breakdown occurs;

• Six projects focusing on the impact of going through the criminal justice system, including families where someone is in prison or about to leave prison.

There will be direct advice and help for families to deal with crisis debt issues, as well as help with building on their money-management skills to support family life throughout their early years and childhood.

The TMW programme will bring together quality debt advice providers and agencies that are already trusted by families in their community. It will also build lasting and effective connections that will benefit families in the longer-term.

The funding of these projects has been made possible by Scottish Government approval for SLAB to spend up to £2.4m between October 2014 and the end of September 2016 on initiatives related to the Child Poverty Strategy.

This is on top of Scottish Government funds which, in combination with funding from the Money Advice Service, are already supporting 92 grant funded projects.

These programmes were due to end in March 2015, but both funders now intend continuing this funding partnership beyond that date. This would enable extension of help for people on low income in Scotland across a longer period.

Deputy First Minister Nicola Sturgeon said: “In the past week we have seen the publication of a report that laid bare the extent of child poverty in Scotland. This is a totally unacceptable situation in a country as wealthy as ours.

“It is vital that the most vulnerable members of our society are provided with the help and support that they need, at the times in their life when they need it most. The Tackling Money Worries programme will help 16 projects across Scotland deliver this support through a £2.4 million investment.

“We know that the UK Government’s benefit reforms are driving people into poverty and that is why we are investing £81 million in the next financial year to help mitigate the effects of these changes.

“This help is vital but I am clear that we must also work to address the underlying issues of poverty in our society. That is why we have set out the need for Scotland to have full responsibility over welfare and employment powers to the Smith Commission.”

Dr Lindsay Montgomery, Chief Executive of the Scottish Legal Aid Board said: “We are delighted to announce the launch of this new programme of projects. The projects will play an important role in helping find long-term solutions for low-income families struggling with financial difficulties by dealing with their underlying debts.

“They will provide support to some of the hardest to reach families in Scotland who are most at risk of facing complex financial problems. We appreciate the financial support from the Scottish Government for this programme of grants.”

A visit to Granton could improve your health – and maybe your wealth!

A visit to Granton Information Centre could improve your health – and may also improve your wealth! The local advice centre received top marks from clients in a satisfaction survey conducted over the summer.

Highlights of the survey include:

• Around 71% of GIC clients have a medical condition – but almost half of them feel GIC has helped to bring about an improvement in their health

• 48% of clients received additional income following GIC’s intervention – and with another 22% awaiting decisions it’s very likely that this figure will rise to over half. Additional income includes both one-off payments and ongoing benefits entitlements – ranging from a few pounds to five-figure sums.

• 97% of clients would recommend GIC’s services to others

• 96% found GIC assistance ‘very helpful’, 98% found staff ‘very approachable’ and 74% found the help and support they had received ‘more than expected’.

Two hundred clients were chosen at random from GIC’s live cases database and invited to participate in the Satisfaction Survey, which was carried out over the summer. The results are based on the final total of 108 respondees.

GIC manager Caroline Pickering said: “There has been an increased demand on GIC’s service over the past few years and our management committee thought this would be an ideal time to review the services we provide – to look at what we are doing, what works well and what can be improved.

“The best people to guide us in this are the people who use those services, so we are very pleased with the positive results of the survey. It’s great for staff to be recognised for the hard work they do. Some of the comments we received from grateful clients were really touching.”

GIC chairperson John Mulvey said: “We know the staff are working exceptionally hard in difficult circumstances so we’re delighted to see how much service users and the wider community appreciate their efforts. The organisation has been working in North Edinburgh for thirty years now but it’s clear that GIC’s services are needed as much today as they ever were.”

Housing Advice road show’s heading your way!

Need housing advice? The city council is running a programme of friendly and helpful roadshows next month – and everyone is welcome!

Energy advice and support to help you save money
Council house improvements and repairs
Tenant’s groups

Local events will be held at McDonald Road Library (Wednesday 8th), Leith Library (Thursday 9th), North Local Office in West Pilton Gardens (Wenesday 15th) and the Community Shop on Pennywell Road (Friday 17th).

The roadshows run from 10am -4pm – see below for the full itinerary

Road shows

Health and travel advice for Hajj pilgrims

The Foreign and Commonwealth Office offers advice ahead of the Hajj

With thousands of British Muslims expected to attend this year’s Hajj pilgrimage, predicted to fall between 2 – 7 October, the Foreign and Commonwealth Office (FCO) is urging those travelling to Saudi Arabia to be fully prepared and follow up-to-date travel advice before embarking on their trip.

The Hajjis or pilgrims are advised to take out fully comprehensive Shariah compliant travel insurance and travel with a reputable tour operator. Cases of Middle East respiratory syndrome coronavirus in people who have visited Saudi Arabia continue to be reported so getting the right vaccinations is critical as is travelling with the relevant vaccination card.

The Foreign Office, West Midlands Police and the Council of British Hajis are working together to support British Nationals undertaking the Hajj. Sher Houston from the Know Before You Go team at the FCO said: “The annual Hajj pilgrimage is one of the largest gatherings of Muslims in the world. Despite the vast numbers, there is relatively little disruption and most pilgrims travel trouble free.

“However, as with all overseas trips, we strongly recommend that the necessary precautions are taken and the trip is carefully planned. We advise all British pilgrims to check the Foreign and Commonwealth Office’s travel advice and the requirements set out by the Saudi Government.”

Detective Sergeant Nadeem Hameed of West Midlands Police said: “We are pleased to support and promote this campaign and recognise the importance of this religious pilgrimage and seek to promote safety awareness and safer travel among all pilgrims.”

Rashid Mogradia, CEO of the Council of British Hajjis said: “It is imperative that pilgrims seek good travel tips before they embark on a Journey of a Lifetime. As a council, we are actively supporting and promoting the FCO’s Know Before You Go Campaign and urge travellers to consult its travel advice pages before travel.

“We wish the pilgrims a “Hajj Al-Mabroor – An Accepted Hajj” and would like to extend our thanks and appreciation to the FCO’s Hajj support team who will be present in Jeddah and Makkah should anyone require consular support while in Saudi Arabia.”

The FCO will provide the full range of consular services and will be sending the British Hajj Team – a team made of regional FCO consular staff – to Saudi Arabia during the Hajj.

Travellers’ checklist

In addition to the requirements from the Saudi government, the FCO recommends that all pilgrims use the following travellers’ checklist:

Check the FCO travel advice

Make sure that you are up to date with the current situation in Saudi Arabia atwww.gov.uk/knowbeforeyougo.

Travel with a reputable tour operator

make sure that you book your tickets through an ATOL registered tour operator to avoid unnecessary difficulties – for more information please visit www.atol.org.uk
have contact details for your tour operator in the UK and their representatives in Makkah

Get comprehensive travel insurance

ensure it covers all aspects of your journey
check health requirements
which vaccines do I need?
when do I need to get them?
is there anything else I need to be aware of?
if you require medication check that you have adequate quantities

Check passport and visa are valid

do I need a visa, or to renew an existing one?
copy passport and travel documents
take a copy with you and store online using a secure storage site
leave copies with family and friends, along with your itinerary and contact details
research local laws and customs
country specific laws and customs can be found at www.gov.uk/foreign-travel-advice

Pack suitable footwear

You may have to walk long distances and make sure you have all the necessary clothing and items as advised by your Hajj tour operator.

Make a note of Hajj Delegations contact details

The Hajj Delegation and local consulate will be based at the Makkah Hilton between 4 – 18 Dhul-Hijjah:

Tel: 00966 125 34 0000 (Hilton switchboard and ask for British Hajj Team)
Mob: 00966 501 00 4268 (Available 24 hrs a day)

Ready, set, go! The Graduate Journey

Get ready, 2015 Graduates – your future awaits! Whether that’s a future of internships, experiencing other cultures, or as yet to be decided, your final year of University is the time to get this all under way. It might feel intimidating – adding more to the to do list than simply “pass 4th year” is a troubling prospect, but having the future you want depends on what you do now. What will it hold for you? (writes Sophie Craik).

Internships

As a current Intern with Eden Scott, I know first hand how valuable the experience of an internship can be. If you’re going into 4th year and haven’t yet managed to secure an internship, it’s not too late but it is crucial that you try to get one, even if it’s only for a few weeks. The fact that you went out of your way to track one down will really stand out to employers upon graduation, and the reason everyone says it’s important for your knowledge and skills? That’s because it is. If there’s one piece of advice that can be given in the hunt for internships, it’s “just ask”. If you’ve got a great CV, personal website and skill set, you might make a company realise that they could benefit from an intern just as much as you would love to have the experience. Make yourself known to them, and don’t be disheartened – if at first you don’t succeed, email, phone and email some more!

Shorter term work experience placements are also a really good way to build up different types of experience throughout your final year and in the summer after graduation. This will also help you to make connections in the industry and see what company cultures you fit best with. This is an especially useful tactic if you see your future in London or another big city – living expenses for a full internship can be difficult if you can’t stay with family members or have to support yourself, but a few weeks can be manageable if done on a budget. If hostels aren’t your thing, Room for Tea offers an alternative by connecting those with spare rooms in London with people coming from out of town for internships and placements.

Graduate Schemes vs Entry Level Roles

When it comes to grad schemes, it’s best to follow the mantra “apply early, apply often”. Before the applications can start though, you need to know the lay of the land. For example, for 2015 some schemes won’t open until January of that year, whereas others have a deadline of October 2014 – just a month after you’ve returned to Uni. If you’ve already decided on an industry you want to be a part of upon graduation, now is the time to sit down with a trusty spreadsheet and get organised. Even a column of the company name, the deadline and a link to the application page/mechanism will make you feel a little more on top of things.

If you haven’t gotten to that stage yet, dedicate a few days to completely immerse yourself in the world of grad schemes. Some great websites to find them include Milkround and Target Jobs, but don’t let these limit you – if there’s an industry or company that you have an interest in, add them to your spreadsheet and find out if they have a graduate scheme. If you can’t see one listed, there’s no harm in asking – some companies may not have specific graduate channels, but will still hire graduates they see potential in.

Of course, the graduate scheme route isn’t for everyone – if you would prefer to have more responsibility from the beginning and the opportunity to work your way up, then you may be more suited to an entry level role. They tend to be less structured in terms of training, mentorship and guidance, and yet this can be ideal for self starters who prefer to impress through hard work and networking.

Gap Years

Taking a gap year after University is the perfect opportunity to see the world and travel for an extended length of time, especially so if you are heading towards a career that doesn’t offer very much time for travel in the future.

To have the most successful gap year possible, 4th year needs to be spent saving – how much depends on where you’re going. Travelling around Asia, for example, can be relatively cost effective once the flights have been purchased, whereas America or Europe can be more expensive in terms of living costs. You might be able to work on your year abroad, but again, this must be planned well in advance to ensure you have the correct visa and haven’t missed out on any employment opportunities.

Many employers value gap years in job applications, but only if they are pitched in the right way. You don’t have to be doing something constructive with the whole time you’re away – everyone’s allowed some downtime. It is important, however, to be able to demonstate how the experience has strengthened you as a person in terms of skills, experience and global understanding, and so planning activities that you will be involved with accordingly is important to factor in.

Whether you already have your graduation journey all mapped out, or you’re leaving things a little more open ended, the most important thing to remember is to never be closed to an opportunity – you never know which path might be a shortcut to your dream future!

Sophie Craik

Bid to cut presence of payday lenders in communities

The face of Scotland’s high streets changed markedly during the recent recession – as household names like Woolworth’s, Jessop’s and HMV disappeared units often lay empty for months. Some were replaced by pound shops or charity shops but the other notable feature was the growing presence of the payday lenders on our shopping streets – and the Scottish Government is now making moves to limit their numbers.

Tighter regulations and stricter planning procedures will help limit the numbers of new payday lenders on Scotland’s high streets, Local Government Minister Derek Mackay announced on Friday.

The measures which are designed to minimise the presence of payday lenders in communities are set out in a new 12 point Scottish Government action plan.

The plan is a result of Scotland’s first Payday Lending Summit earlier this year and based on feedback from local authorities, advice services, welfare organisations and credit unions who attended.

The preventative measures also include the introduction of a new Financial Health Service which will serve as a one-stop-shop for money advice services, and there is an emphasis on promoting credit unions.

Launching the plan on a visit to the Glasgow Central Citizens Advice Bureau, Mr Mackay said:

“This action plan reinforces our commitment to addressing the problems associated with payday lending and sets out a number of actions that we will undertake across a range of policy areas.

“Payday loan companies are not only blighting our high streets but they are exposing people to financial credit they just cannot afford.

“Bringing the industry together at the Payday Lending Summit was a real opportunity to share ideas and discuss ways of reducing the problem of payday lenders in town centres.

“I won’t pretend that this action plan will solve the problem overnight but it’s a step in the right direction. Through legislation we will remove some of the exemptions from planning control on premises that sell pay day loans. This will allow planning authorities to implement policies addressing future clustering and over-provision of such activities. The planning proposals also include similar changes regarding controls on betting shops.

“We’re making conditions tougher for payday lenders by excluding them from small business bonus schemes and working with the Financial Conduct Authority to tighten up regulations.”

Mr Mackay continued: “We’re taking steps to tackle the issue of problem debt through legislation such as the Bankruptcy and Debt Advice (Scotland) Act, but raising awareness of alternative ways of accessing credit is key. By showing people payday lenders are not the only option we can lessen the demand for the service.

“Our new Financial Health Service website will bring together different strands and sources of information and advice, so that anybody with a concern or an issue to do with debt or borrowing can find, in one place, the help and assistance that they need.

“With our limited powers we are doing what we can, but with independence we could do so much more to act quickly to offer protection to consumers.

“Whilst we welcome the tougher FCA regulatory regime and the consultation on a cap, the UK Government have been slow to act. We have been calling for a cap on the cost of pay day loans since 2012. In an independent Scotland we can act more quickly to protect Scottish consumers, and introduce policies and measures that reflect the needs of people living in Scotland.

“Tackling the increasing numbers of payday lending businesses will not only stop more people being driven into poverty, but will help give our town centres a sense of identity and be more attractive places for people to live, work and visit.”

There are an estimated 180 to 200 payday lenders on Scotland’s high streets.

Case Study

Stewart*, 46, owed £18,000 in unsecured debts, and tried various fee-charging debt management companies before contacting StepChange Debt Charity.

Stewart said: “Although I was working full-time, I found myself relying on credit cards to pay for things like bills and food shopping.

“When my cards were maxed out, I was refused more credit by my bank and offered no help.

“I felt like I had nowhere else to go, which is when I turned to payday loans and I ended up relying on them to get me through.”

Stewart was able to take out three payday loans despite already having significant debts.

He also noticed a dramatic rise in nuisance calls, texts and emails offering further loans and debt management services.

Owing £18,000 in unsecured debts, Stewart tried various fee-charging debt management companies – who he says charged administrative fees and kept important information hidden – before contacting StepChange Debt Charity.

He is now repaying his debts through a Debt Management Plan, and says he would never be tempted to take out another loan following his bad experiences.

Stewart continued: “I can remember waking up in the mornings and thinking this is going to be a struggle. I’m really happy now, and going back to that is not something I could even think about.”

* Case study name changed to protect identity.

Susan McPhee, Head of Policy and Public Affairs at Citizens Advice Scotland gave a presentation on the problems CAB clients have at the summit in April. She said:

“There has been a proliferation of payday loan shops throughout our communities so we welcome moves to restrict them though the planning process. Accessing loans through a payday lender seems easy when so many shops are on our high streets and lenders bombard us with adverts for credit. But paying back such loans is not always easy and it is often the poor practices of payday lenders that cause problems to occur for people who can easily get into difficulty making their repayments.

“Citizens Advice Bureaux in Scotland are dealing with over 100 cases involving payday loans every week and our research shows that a fifth of people access such loans through high street shops.

“It is often poor practices by payday lenders that cause problems which is why CAS has campaigned for several years now to tackle to the unfair practices of payday lenders and make sure the people of Scotland know that their local CAB can give them advice and help if they do get into difficulty.”

Anyone who needs debt advice can get free, confidential help from their local CAB or from our helpline on 0808 800 9060.

Sharon Bell of StepChange also presented at the Payday Lending Summit. She said:

“This Scottish Government action plan is welcome – anything that better protects consumers from these loans and their potentially damaging repercussions is good news.

“We see too many people falling back on such high cost credit in order to either cope with existing debt problems, or just to make ends meet, often to damaging effect. Taking on this type of borrowing is not a solution to financial difficulty, and instead these people need better protection from the pressures of debt.

“StepChange is calling on policymakers to consider the idea of ‘breathing space’ – a break from interest, charges and enforcement, where debts can be repaid over an agreed period – so debtors in difficulty don’t have to keep borrowing to service borrowing.

“We also need a better short term credit market, where banks, credit unions and employers play a role in providing more responsible sources of loans and we hope the UK Government will do more to promote such schemes.”

StepChange Debt Charity Scotland offers free and impartial debt advice and solutions through its freephone helpline (0800 138 1111) and online (www.stepchange.org).

Local free, independent debt advice is available at Granton Information Centre on West Granton Road, telephone 551 2459 or 552 0458.

News from Total Craigroyston

Total Craigroyston’s Summer newsletter is out now. Click on link below …

Total Craigroyston Summer newsletter