Help to Save

CPAG

Help to Save

Help to Save is a UK-wide government scheme offering a top-up to working people on low incomes who open a special type of savings account and pay into it regularly. To be eligible, a client must be:

•getting UC with a minimum amount of earnings; or

•getting WTC at more than a nil rate; or

•be eligible for WTC and get CTC at more than a nil rate.

The most a client can pay into their account each calendar month is £50, which is £2,400 over four years. In those four years, they can earn up to £1,200 from their savings. See gov.uk/get-help-savings-low-income for more information.

A client can withdraw money from a Help to Save account at any time, but it will affect the amount of bonus they can get.

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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

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Help to Save

Debt Advice Handbook Scotland - 1st edition

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