Money Talk Team benefits thousands of families

Free advice service helps low income households save more than £6 million.

Low-income families who seek free financial advice from the Money Talk Team are on average now £1,850 better off.

The service offers one-stop, personalised advice on dealing with debt and ways to reduce household bills.

With around 450,000 cases of unclaimed benefits in Scotland, it also helps low-income families identify what financial support might be available. The service is supported by Scottish Government funding of £3.3 million over two years.

In the last nine months, the Money Talk Team has helped a total of 3,198 people be better off by more than £6 million – meaning households benefit by more than £1,850 on average. A total of nearly 8,000 people have accessed the service.

Launching a national advertising campaign to raise awareness of the Money Talk Team, Communities Secretary Aileen Campbell said: “The Money Talk Team is making a huge difference to the thousands of families that have already taken advantage of this free service.

“The friendly, experienced advisers talk callers through the options available, letting them know exactly what they are entitled to and helping them save money.

“But there are still too many families out there not getting what they should be.

“If you’re a parent struggling to pay the bills at the end of the month, you’re not alone. It doesn’t matter if you’re in or out of work, one call to the free phoneline is all it takes to get some advice that could be a massive help to your household.”

Money Talk Team is the new name for Financial Health Check, which started in 2018 and is delivered by Citizens Advice Scotland. It can be accessed through their free helpline on 0800 085 7145 or by visiting a local Citizens Advice Bureau.

Thanks a million – CABs suppport one in 14 adult Scots

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Scotland’s Citizens Advice service gave 1 million pieces of advice last year, helping over 310,000 individuals – equivalent to over 1 in every 14 adults.

The service also put £120m into the pockets of Scottish citizens, though improving their financial health by helping them to access benefits entitlements and manage debt effectively. This helped some to avoid crisis situations like poverty, debt and homelessness.

Continue reading Thanks a million – CABs suppport one in 14 adult Scots

‘the social security system is simply not working’

CAS report paints a bleak picture of clients in crisis

CAS living at the sharp end

On the day Britain welcomed (?) our new Prime Minister, Citizens Advice Scotland published new evidence exposing the levels of poverty and destitution in Scotland.
Continue reading ‘the social security system is simply not working’

Report calls for action to address funeral costs

It’s a subject we’d all rather avoid, but we need to talk about funerals – and how much they can cost … 

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A new report on funeral poverty has found funeral director and local authority costs should be more consistent and bereavement support more widely available. Continue reading Report calls for action to address funeral costs

‘Shocking increase’ in food bank usage

New report shows growing demand for emergency food aid

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More than 160 groups and organisations are now providing emergency food aid in Scotland. The figure is in a new report from the Poverty Alliance which states changes to the social security system and the introduction of sanctions, as well as low pay and insecure work are some of the main factors behind the growing need for emergency food.

The Cabinet Secretary for Social Justice Alex Neil launched the report at a food bank in his Airdrie constituency yesterday.

The Scottish Government has now provided the Poverty Alliance with £28,941 to carry out further work with emergency food providers. This will enable the Alliance to work with those providers to take forward research findings and to focus more strongly on the causes of food poverty and work towards ensuring people get the help needed to move them away from reliance on food aid provision.

Mr Neil said: “The Poverty Alliance report perfectly demonstrates the impact of UK welfare changes. It is unacceptable that so many have had to resort to foodbanks. Emergency food aid is not a sustainable response to the issue of food poverty and its underlying drivers and it cannot become an established feature of the welfare system in Scotland.”

“We have seen previously in figures from the The Trussell Trust, that there has been a shocking increase in food bank usage. This speaks volumes about the real poverty in our society when people can’t feed their families without help and support from food aid organisations.”

The Poverty Alliance report follows figures from The Trussell Trust which shows a rapid and dramatic rise in the number of people accessing emergency food aid in Scotland.

The Trussell Trust has reported a 12 fold increase in usage of emergency food aid in just three years – in 2011/12 5726 people in Scotland accessed food aid, while in 2013/14 that figure was 71,428.

The Poverty Alliance report concludes that more effort should be concentrated on how emergency food aid providers can better connect people with mainstream support services. Providers working in close partnership with other services have been shown to offer better support to those in need, connecting them to the advice and support required to address underlying issues which have led them to access emergency food aid in the first place.

Director of The Poverty Alliance Peter Kelly said: “We need to build on the good work that food aid providers are already doing. Volunteers are providing help to people experiencing real difficulties in often complex circumstances. There is a need to develop partnership working between emergency food aid providers to share ideas, experiences and good practice.

“In the longer term we need to ensure that we are developing policy solutions that address the root causes of food poverty. The support from the Scottish Government will help the Poverty Alliance ensure that those who are on the frontline tackling food poverty are able to contribute to finding these solutions.”

The Trussell Trust Scotland Network Manager Ewan Gurr added: “It has been a pleasure to work alongside and support the research carried out by our colleagues at the Poverty Alliance and we appreciate the consistency of the Scottish Government as they explore creative ways to tackle food poverty in Scotland.

“The voluntary sector, largely, has an openness to exploring fresh ways in which we can enhance the level of support people are offered. We welcome the report and believe it is important for us, as well as other food providers, to digest the findings. It has always been my ultimate desire that our foodbanks are places where dignity is restored, hope is revived and the support is comprehensive and robust.”

To help food aid providers develop a better understanding of the range of support available for users of emergency food aid and identify additional support, the Poverty Alliance has developed a web based resource to assist those delivering emergency food aid better link with mainstream services such as Citizen’s Advice Scotland as well as with other information and links to key support services at www.foodaidscotland.org

Happy birthday CAB!

Local MP praises work of Citizen Advice service

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Mark Lazarowicz MP has pledged his support for Citizen’s Advice’s new campaign at a reception held to celebrate the charity’s 75th birthday. The Advice for the Future campaign aims to highlight the importance of free, impartial advice and get 100,000 people pledging their support.

Citizens Advice has launched the campaign as rising household bills, changes to the welfare system and a troubled jobs market mean that for many life is getting increasingly complicated. This means it’s even more important that people can access free, relevant and impartial advice to help make complex decisions.

Citizens Advice Scotland, the Scottish counterpart to Citizens Advice, opened its first bureau in September 1939 and so will also be celebrating its 75th anniversary later this year.

The North and Leith MP said: “I know from my work as a constituency MP just how valuable the service provided by Citizens Advice is to constituents: free, independent, impartial and trusted.

“The major changes to the benefit system introduced by this Government, sharply rising energy bills and the difficulty that many households have in just keeping their heads above water have left many more people turning to Citizens Advice for help.

“It has also used its first hand experience in dealing with the practical problems people face to contribute positively to debate on public policy which is why I and other Opposition MPs fought so hard against the restrictions that the Lobbying Act would have placed on charities.

“Largely run by volunteers though publicly funded, it supports the vulnerable and indeed anyone who needs advice: our society would struggle to cope without it.”

Citizens Advice celebrates its 75th anniversary this year:

• In 2013/14 the charity helped 2 million people to solve 5.5 million problems
• In 2012/13, 22,000 volunteers donated nearly 7 million hours to the service
• This amounts to a contribution of £109 million worth of volunteering hours.

Millions face daily struggle with debt

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Struggling with debt? Seek advice!

Recovery, what recovery? A new study compiled by the Money Advice Service highlights how 8.8 million people in the UK live with serious debt problems, but only one in five of this group is currently accessing advice to help with it.

The report, ‘Indebted Lives: The Complexities of Life in Debt’, brings insights from a survey of over 5,000 UK adults, and provides a much clearer picture of the lives of those struggling with debt.

It reveals that over four million people have been struggling to pay their bills for more than a year and admit their debt prevents them buying the basics – with families affected even more. The report sets out eight distinct groups of people who are in serious debt – families account for half.

Unsurprisingly, the majority of people who are struggling with debt said it has a negative impact on their life and three out of four admitted they are unhappy. But repaying debts is very important to four in five of the 8.8 million who said they would like to pay off their debt as soon as possible.

The Service is concerned to find only one in six of all adults experiencing debt difficulties is currently seeking advice to help them deal with their debt, and over two in five said they don’t feel able to talk to their creditors about their debt problem. Furthermore, one in five of over-indebted people does not actually recognise they are in debt.

“Millions of people could escape their spiral of debt by accessing free advice. We know it transforms lives and the sooner people access it the better – to take steps to improve their life for good,” said Caroline Rookes, CEO of the Money Advice Service.

However, this study presents us with a fundamental challenge: the majority of people with debt difficulties do not seek advice. This is the first time we’ve had such a detailed understanding of the complexity of their lives.”

She added,So now, armed with greater insights, we will work with advice agencies, creditors, and public bodies to help as many people as possible access free, high-quality, debt advice.”

Free and confidential advice is available locally at

Granton Information Centre (telephone 552 0458)

and Pilton CAB at Drylaw Shopping Centre (332 9434) 

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