Route into a MAP

CPAG

Route into a MAP

Entry into the MAP is by an authorised person (see below) signing a Certificate for Sequestration (see here) which states that the client cannot pay their debts as they fall due. This must be dated no more than 30 days before the application is made.

An expired charge for payment or statutory demand or any other form of apparent insolvency cannot be used as a route into a MAP.

Certificate for Sequestration

A Certificate for Sequestration of the client’s estate is a certificate granted by an authorised money or debt adviser (or other authorised persons) certifying that the client cannot pay debts as they become due.1Reg 8 B(S) Regs See here for who is an authorised adviser and how to apply for a certificate.

No fee can be charged for completion of the certificate.2Reg 9 B(S) Regs

1 Reg 8 B(S) Regs »

2 Reg 9 B(S) Regs »

Revocation or suspension of an approved debt adviser

The AiB can revoke or suspend an approved debt adviser if they fail to apply the CFT accordingly or do not maintain records of advice given.

A debt adviser must obtain evidence of a client’s income and expenditure and retain all records for two years and provide this information to the AiB on request.1Reg 7 B(S) Regs

1 Reg 7 B(S) Regs »

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Details

Debt Advice Handbook Scotland - 1st edition

Written in partnership with Citizens Advice Scotland and Money Advice Scotland, CPAG is delighted to announce the first edition of the Debt Advice Handbook Scotland. Based on CPAG’s best-selling Debt Advice Handbook, it details the stages of the debt advice process in Scotland and the key skills needed to give good advice. No money adviser should be without this essential guide. This online edition is funded by the Scottish government.

The Handbook provides the most comprehensive information needed by advisers on the tools and strategies to help clients with their financial difficulties. It details the key stages of money advice, including interviewing clients, establishing liability, prioritising debts, preparing a financial statement, negotiating with creditors and dealing with sheriff officers. Emphasis is placed on taking due care of vulnerable clients and making sure that any payment arrangements agreed are appropriate. There is a focus on sustainable credit arrangements that do not affect a client’s ability to pay essential living expenses and priority debts.

It is the go-to tool for specialist debt advisers as a first step in accessing primary legislation and regulations and is also a reliable guide and training aid for the new debt adviser. Advisers who undertake debt advice alongside other sorts of advice work or other professional disciplines – such as social workers and housing officers – will find this handbook an indispensable resource.

Fully indexed and cross-referenced to law, official guidance and to court and tribunal decisions, tactical guidance and examples are included throughout.

Author(s):

CPAG

Print publication date Jun, 2024

This content was last updated:2024-06-27

Word count173,783

Base text size -

Route into a MAP

Debt Advice Handbook Scotland - 1st edition

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