Scotland’s largest independent funeral directors, William Purves, is fielding calls from several worried customers concerned about the implications of forthcoming funeral plan reforms.
From July 29th, organisations selling funeral plans will fall under the regulation of the Financial Conduct Authority (FCA) which will ensure that all plans are properly underwritten.
And while good news for customers in the long term, it is feared that many buyers will be out of pocket in the short term as some smaller funeral plan providers fold as they are unable to satisfy the FCA requirements.
Andrew Purves, Director of William Purves explains: “Customers who have purchased pre-payment plans designed to cover the cost of their funerals are naturally concerned about the implications of the reform.
“Thankfully we can put our customers’ minds at rest as in recent years our plans have been one of the big three providers. However, the stark reality is that some customers’ pre-bought funerals, particularly those bought from smaller providers, may not be honoured.“
A number of funeral plan providers have already decided to stop operating and have approached larger providers to take over their plans – sadly some are expected to fold as the July deadline looms.
Andrew continued: “My advice is if you have concerns or worries speak to the Funeral Director who you purchased the plan from, or the plan provider themselves, and ask what guarantees they can provide.
“We are in the process of contacting all William Purves pre-payment customers to update them on the situation.
“We welcome the regulation of pre-paid plans which are designed to protect customers and raise standards for plans sold in the future; however, this is of little comfort to those people who have taken steps to put their affairs in order and who may well be penalised.
“We will continue to keep our customers informed.”
Key national agencies Education Scotland (ES) and the SQA will be reformed as part of ambitious plans for Scotland’s education recovery, Education Secretary Shirley-Anne Somerville has announced.
The Education Secretary said the role, remit and purpose of both organisations will be considered, as well as their functions and governance arrangements.
Ms Somerville announced the reforms as she outlined wide-ranging plans for education recovery in the first 100 days of government and beyond.
These include:
investing over £1 billion to close the poverty related attainment gap
recruiting 3,500 additional teachers and classroom assistants
ensuring every schoolchild has access to the technology they need to support their education
making free school lunches available to all P4 children before extending to all primary school children, all year round
expanding free early learning and childcare and developing the provision of wraparound care and after-school clubs
increasing the school clothing grant and the Best Start Food grant
providing interim support – including a £100 payment near the start of the summer holidays – for eligible children before the formal expansion of the Scottish Child Payment next year
offering a £20 million Summer Programme to help restore the wellbeing of children and young people, particularly those worst hit by COVID-19
removing charges for core curriculum activities and music and arts education
working with colleges and universities to ensure they remain sustainable and at the forefront of global education and research.
Laying out the Scottish Government’s visions and ambitions for education, the Education Secretary said the priority was to continue to deliver excellence and equity, despite the pandemic, with the health and wellbeing of pupils at the forefront of the plans.
This next phase of recovery activity builds on almost £400 million of investment committed in this area to date.
Ms Somerville said: “I hope this programme outlines our determination to deliver improvements with pace and urgency. I am open to considering what further reform is necessary, with the clear purpose of doing all we can to improve outcomes for children. This includes reducing variability in the outcomes children and young people achieve across the country.
“I want to look at options for reform which ensure that schools get the best possible support and challenge to enable them to improve further and to do the very best for the children in their care; to enable them to focus relentlessly on providing the highest quality of learning and teaching for our children, and to ensure that those working in education outwith schools are fully focused on doing everything they can to provide the highest quality of support.
“I want to signal my intention to start this process by considering how to reform the SQA and Education Scotland. This will be a key priority for me.”
Ms Somerville said the reform plans would be informed by the findings of the OECD review into Curriculum for Excellence, which is due to be published on 21 June.
The EIS has welcomed the review. EIS General Secretary Larry Flanagan said, “We have for some time been arguing for reform of the SQA and, in particular, the need for a stronger governance model which would see the qualifications authority more accountable to the Education system and the profession, rather than to the Scottish Government or an opaque, Government appointed, Board.
“Our members have often found the SQA to be too remote from classroom practice and a significant generator of additional workload for teachers. Reform of the qualifications body should be matched by changes to the senior phase, which focus on creating time for deeper learning, breadth of study and parity between ‘academic’ and vocational’ qualifications.”
Mr Flanagan added, “With regard to Education Scotland the key issue is to create more independence for this body and move it closer to its role of supporting schools and teachers rather than being under the direction of the Scottish Government.
“Education Scotland should be free to challenge Government rather than being an extension of the civil service. There also needs to be a significant review of the usefulness of the current inspection process in what is meant to be an empowered education system.”
Social tenants and landlords are set to benefit from a number of reforms announced yesterday by Housing Minister Margaret Burgess. The reforms will change the way social landlords allocate and manage their housing. They will allow social landlords to address the specific needs of the local community, ensuring best use of available social housing, tackling antisocial behaviour and providing further protection for tenants.
Speaking at the Scottish Federation of Housing Associations’ Annual Conference, the Housing Minister outlined the measures, which are likely to form part of a forthcoming Housing Bill.
This includes:
Replacing prescriptive and outdated priority groups with a broader framework that gives landlords and their communities more local flexibility
Allowing landlords to consider any property that a social housing applicant already owns when allocating housing
Introducing a qualifying period before succession to a tenancy following the death of a tenant
Allowing a minimum period to be put in place before antisocial tenants are eligible for the allocation of social housing
Introducing a new right for tenants to appeal a landlord’s decision to suspend them from being allocated a property
Allowing landlords to give Short Scottish Secure Tenancies to applicants and tenants with a history of antisocial behaviour
Simplifying eviction procedures for tenants convicted of a serious offence
During the SFHA Conference Mrs Burgess also announced that initial or probationary tenancies will not be included in the Housing Bill.
She said:
“The changes I am announcing today will ensure that we deliver first-rate homes and services to tenants, residents and homeless people – the most vulnerable in our society. By giving landlords greater flexibility at a local level they will be able to respond to the needs of their local community.
“In order to provide affordable warm homes for people in Scotland it is vital that we continue to find ways to increase supply and quality across all tenures. Despite Westminster’s cuts to our capital budget, we have taken every opportunity to increase our investment in housing. By the end of April we had allocated £200m additional funding for housing supply, bringing total investment to almost £860m in the three years to March 2015.”
