Who cannot be approved debt advisers

•A sheriff officer or messenger-at-arms, or an employee of such a person.

•A person or body providing financial services, or financial advice other than debt advice, in the course of a business or otherwise for profit, or an employee of such a person, unless the person is a solicitor or chartered or certified accountant.

•A credit union registered under the Co-operative and Community Benefit Societies Act 2014 or the Industrial and Provident Societies Act 1965 by virtue of section 1 of the Credit Unions Act 1979.

•A person providing debt collection services, or an employee of such a person.

•A person convicted of an offence involving theft, fraud or other dishonesty.

•A person subject to a bankruptcy restrictions order (including an interim order) under section 155 or 160 of the Act or subject to a bankruptcy restrictions order, or bound by a bankruptcy restrictions undertaking, under schedule 4A of the Insolvency Act 1986.

•A person in respect of whom a court has made a disqualification order under section 1, or who has had a disqualification undertaking accepted under section 1A, of the Company Directors Disqualification Act 1986.

•Persons without a licence from the Money Advice Trust to use the Common Financial Statement.