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• adjudication for debt
  1. 7. Adjudication for debt
• Adjudicator's Office
  1. The Adjudicator’s Office
• adoption payments
  • statutory adoption pay
    1. Statutory adoption pay
  • statutory shared parental pay
    1. Statutory shared parental pay
• adult disability payment
  1. Adult disability payment
• advice agencies
  • accreditation
    1. For organisations
  • Citizens Advice accreditation
    1. Citizens Advice Bureau accreditation
• alcohol
  • capacity to make a contract
    1. Incapacity
• aliment
  1. 2. Spousal maintenance payments
  • enforcement
    1. Enforcement
• alternative dispute resolution
  1. Alternative dispute resolution
• ancillary order
  1. Ancillary order
• arrears notices
  • regulated credit agreements
    1. 7. Arrears notices
• arrest warrant
  • unpaid fines
    • emergency action
      1. A warrant has been issued for the client’s arrest for an unpaid fine
• assured tenants
  1. Short-assured tenancies and assured tenancies
• attachment
  1. Attachment
  • challenging an attachment
    1. Challenging an attachment
  • enforcement
    1. How the attachment is carried out
  • forms
    1. Forms for exceptional attachments and attachments
• attendance allowance
  1. Attendance allowance
• auctions
  • attached goods
    1. How long an attachment lasts
• bank arrestment
  1. 3. Bank arrestment
  • protected minimum balance
    1. Protected minimum balance
  • striking down a bank arrestment
    1. Bank arrestment stoppers
  • unduly harsh
    1. The arrestment has been executed incompetently or irregularly
• bankruptcy
  1. Chapter 6: Statutory debt solutions in Scotland
  2. 8. Common rules in bankruptcy
  • acquirenda
    1. Acquirenda
  • assets
    1. Assets
    2. Assets discovered after the trustee’s discharge
  • award by AiB
    1. Award by the Accountant in Bankruptcy
  • bank accounts
    1. Money in bank accounts
  • business debt
    1. Bankruptcy and protected trust deeds
  • child support
    1. Child support
  • complaints
    1. Complaints
  • creditor petitions for bankruptcy
    1. 6. Creditor petitions for bankruptcy
  • criminal injuries compensation
    1. Criminal injuries compensation
  • critical illness
    1. Critical illness
  • death of debtor
    1. Insolvency
  • discharge
    1. Discharge of the client and the trustee
  • financial education course
    1. Financial education
  • Full Administration Bankruptcy
    1. 5. Full Administration Bankruptcy
  • gratuitous alienation
    1. Gratuitous alienation
  • home
    1. The family home
    • rented
      1. Tenancy agreements
  • income
    1. Income
  • insurance policies
    1. Life assurance policies
  • interest on debts
    1. Interest on debts
  • Minimal Asset Process
    1. 4. The Minimal Asset Process
  • pensions
    1. Pensions
  • recall
    1. Recall
  • redundancy
    1. Redundancy
  • sale of vehicle
    1. Vehicles
  • statutory moratorium on diligence
    1. 9. Statutory moratorium on diligence
  • undervalue transactions
    1. Gratuitous alienation
  • unfair preference
    1. Unfair preference
• bankruptcy restrictions order
  1. Bankruptcy Restriction Order
• banks
  • bank arrestment
    1. 3. Bank arrestment
• benefits
  • deductions
    1. 1. Introduction
  • maximising income
    1. Benefit check
  • overpayments
    1. 1. Introduction
    • prescription period
      1. Benefit overpayments
  • recovery of overpayments
    1. 2. Direct earnings attachments
  • treatment as income
    1. Income sources from which a contribution can be taken
    2. Income from which a contribution cannot be taken
• bereavement support payment
  1. Bereavement support payment
• Best Start food
  1. Best Start grants and food
• budgeting advice
  1. 7. Budgeting advice
  • essential items
    1. Luxury or non-essential items
  • financial contributions from family members
    1. The client’s non-dependants
• budgeting loans
  1. Social fund payments
• bursaries
  • treatment as income
    1. Income sources from which a contribution can be taken
• business debt
  1. Chapter 14: Business debts
  • bankruptcy
    1. Bankruptcy and protected trust deeds
  • checklist
    1. Business Debt Arrangement Scheme
  • rent arrears
    1. Rent arrears
  • stages of debt advice
    1. 3. Stages of debt advice
    • creating trust
      1. Create trust
    • financial statement
      1. Draw up a financial statement for a self-employed client
    • listing business income and expenditure
      1. List business income and expenditure
    • listing creditors
      1. List creditors
    • maximising income
      1. Maximise income
    • minimising debts
      1. Minimise debts by ceasing to trade
    • non-priority debts
      1. Choose a strategy for non-priority debts
    • priority debts
      1. Deal with priority debts
  • types of small business
    1. 2. Types of small business
    • co-operative
      1. Member of a co-operative
    • franchise
      1. Client with a franchise agreement
    • limited company
      1. Director of a limited company
    • limited liability partnership
      1. Member of a limited liability partnership
    • partnership
      1. Partner in a business partnership
    • sole trader
      1. Sole traders
  • VAT arrears
    1. VAT debts
• Business Debt Arrangement Scheme
  1. Business debt solutions in Scotland
• Business Debtline
  1. Giving advice to self-employed clients
• business expenses
  1. Business expenditure
• cable television
  • essential expenditure
    1. Luxury or non-essential items
• cancellation rights
  • regulated credit agreement
    1. Cancelling a consumer credit contract
• capital repayment mortgage
  1. Capital repayment mortgages
• carer support payment
  1. Carer’s allowance and carer support payment
• carers
  • carer's allowance
    1. Carer’s allowance and carer support payment
• carer's allowance
  1. Carer’s allowance and carer support payment
• case recording
  1. Case recording
• catalogues
  • prescription period
    1. Debts covered by the five-year prescription period
• Certificate for Sequestration
  1. Certificate for Sequestration
  • Full Administration Bankruptcy
    1. Certificate for Sequestration
  • Minimal Asset Process bankruptcy
    1. Certificate for Sequestration
• charities
  1. Charity payments
  2. Charities
• child benefit
  1. Child benefit
• child disability payment
  1. Child disability payment
• child support payments
  1. 1. Child support payments
  • deductions from benefits
    1. Child maintenance
  • deductions from earnings order
    1. 3. Deduction from earnings orders
  • enforcement
    1. Special features
    2. Enforcement
  • priority debts
    1. Priority debts
  • qualifying child
    1. The legal position
• child tax credit
  1. Child tax credit
• children
  • Best Start food
    1. Best Start grants and food
  • Best Start grants
    1. Best Start grants and food
  • child benefit
    1. Child benefit
  • child disability payment
    1. Child disability payment
  • child tax credit
    1. Child tax credit
  • dependent children
    1. Dependent children
  • disability living allowance
    1. Disability living allowance
  • guardian's allowance
    1. Guardian’s allowance
  • liability for debts
    1. Minors
  • Scottish child payment
    1. Scottish child payment
• Civil Online
  1. Civil Online
• civil partnerships
  • bereavement support payment
    1. Bereavement support payment
• co-habiting partners
  • bereavement support payment
    1. Bereavement support payment
• co-operatives
  1. Member of a co-operative
• codes of practice
  • creditors
    1. Codes of practice
  • fuel suppliers
    1. 3. Gas and electricity charges
• coerced debt
  1. Coerced debt
• common financial statement
  1. The Common Financial Statement
• Common Financial Tool
  1. Common Financial Tool
  2. 2. The Common Financial Tool
  • expenditure
    1. Expenditure
  • household income and expenditure
    1. Household composition
  • income
    1. Income
  • trigger figure categories
    1. Trigger figure categories
  • who can access the CFT
    1. Who can access the Common Financial Tool
• compensation for damages
  1. Civil compensation for damages
• conjoined arrestment order
  1. Conjoined arrestment orders
• consumer credit
  1. Chapter 5: Consumer credit
  • exempt agreements
    1. Exempt credit agreements
  • regulated agreements
    1. Regulated credit agreements
• Consumer Credit Act 1974
  1. 2. The Consumer Credit Act 1974
• Consumer Credit Sourcebook
  1. The Consumer Credit Sourcebook
• consumer protection
  • regulatory bodies
    1. The Financial Conduct Authority
• contracts
  • capacity to make a contract
    1. 6. Mental health and capacity to contract in Scotland
  • pre-contract information
    1. Pre-contract information for on-premises contracts
  • unfair relationship
    1. 6. Unfair relationships
• cooling-off period
  • regulated credit agreement
    1. Cancelling a consumer credit contract
• council tax
  1. 4. Council tax
  • arrears
    1. Arrears procedures
    • deductions from benefits
      1. Council tax arrears
    • prescription period
      1. Council tax
    • summary warrant
      1. What is a summary warrant
  • carers
    1. Discounts, exemptions and reductions
  • Common Financial Tool
    1. Essential expenditure
  • disability
    1. Discounts, exemptions and reductions
  • empty properties
    1. Discounts, exemptions and reductions
  • enforcement
    1. Enforcement
  • exempt properties
    1. Exempt properties
  • liability
    1. Liability
    • joint and several liability
      1. Liability
  • priority debts
    1. Priority debts
  • severe mental impairment
    1. Discounts, exemptions and reductions
  • single person discount
    1. Discounts, exemptions and reductions
  • students
    1. Discounts, exemptions and reductions
    2. 7. Council tax
  • third-psrty deductions
    1. Third-party deductions
  • valuation band
    1. Council tax valuation band
• council tax reduction scheme
  1. Council tax reduction scheme
  2. Council tax reduction
  • part-time students
    1. Students eligible for council tax reduction
• court fines
  1. Chapter 20: Court fines
  • alternatives to prosecution
    1. Alternatives to prosecution
  • checklist
    1. 5. Checklist for action
  • deductions from benefits
    1. Court fines
  • enforcement orders
    1. Enforcement orders
  • exempt from insolvency solutions
    1. 4. Debt solution
  • fines issued after prosecution
    1. Fines issued after prosecution
  • priority debts
    1. Priority debts
  • referred back to court
    1. Refer back to court
• courts
  • liaison groups
    1. Local liaison groups
  • monitoring local courts
    1. Monitoring local courts
  • representation by debt advisers
    1. 4. Representing clients in court
  • user groups
    1. Local liaison groups
• credit agreements
  • not regulated
    1. Exempt credit agreements
  • regulated
    2. Regulated credit agreements
    1. 1
    2. 2
• credit authorisation
  1. 14. The Financial Conduct Authority’s role
• credit cards
  • prescription period
    1. Debts covered by the five-year prescription period
  • section 75 credit card protection
    1. 11. Section 75 credit card protection
• credit reference agencies
  1. 13. Credit reference agencies
  • accounts recorded as in default
    1. Recording defaults
  • correcting information held
    1. Correcting information held on a credit reference file
  • information collected
    1. 13. Credit reference agencies
  • obtaining file details
    1. If the information held is incorrect
• credit repair companies
  1. Credit repair companies
• credit scoring
  1. 13. Credit reference agencies
• credit unions
  1. Credit unions
• creditors
  • codes of practice
    1. Codes of practice
  • collecting information
    1. The creditors
  • consent required for a Debt Arrangement Scheme
    1. The request to creditors to consent to the DPP application
  • credit scoring
    1. 13. Credit reference agencies
  • creditor's petition
    1. 6. Creditor petitions for bankruptcy
    • application to the court
      1. Application to the court and intimation to the client
    • checklist
      1. Checklist
    • court hearing
      1. Court hearing
    • recall
      1. Recall
  • death of debtor
    1. Creditors
  • Debt Arrangement Scheme
    1. The effect of approval of a DPP on creditors
  • debt collection
    • dealing with harassment
      1. Dealing with harassment
  • guidance on mental health issues
    1. Other guidance
  • harassment
    1. Dealing with harassment
  • listing creditors
    1. 4. Stage 4: listing creditors and priority and non-priority debts
  • monitoring practices
    1. Monitoring creditor practices
  • negotiating with creditors
    1. 2. Negotiating
  • refusal to deal with advisers
    1. 2. Negotiating
  • statutory demand
    1. Dealing with a statutory demand
  • trust deed
    1. Creditor responses
• criminal offences
  • harassment
    1. Dealing with harassment
• Crown Office and Procurator Fiscal Service
  1. 2. The Crown Office and Procurator Fiscal Service
• current maintenance arrestment
  1. Current maintenance arrestment
• death
  • bereavement support payment
    1. Bereavement support payment
  • checklist
    1. 4. Checklist
  • dealing with an estate after death
    1. Dealing with the estate
  • liability for debts
    1. Debts after death
    2. 1. Liability for debts
  • statutory parental bereavement pay
    1. Statutory parental bereavement pay
• debt
  • listing debts
    1. The debts
• debt advice
  1. Abbreviations
  • administrative systems
    1. 3. Administration
  • advice system
    1. 2. The debt advice system
  • business debt
    1. Chapter 14: Business debts
  • case files
    1. Case recording
  • client authorisation
    1. Client authorisation
  • client's best interests
    1. The client's best interests
  • closing cases
    1. Closing cases
  • correspondence
    1. Correspondence
  • Debt and Mental Health Evidence Form
    1. 5. Debt and Mental Health Evidence Form
  • financial statement
    1. The financial statement
  • good practice
    1. Ensuring good practice
  • harassment
    1. Dealing with harassment
  • initial interview
    1. Initial interview
    2. 1. Stage 1: find out the whole situation
  • letter writing framework
    1. Use a framework
  • mental health
    1. Clients with mental health problems
    2. Chapter 15: Debt and mental health
  • national standards
    1. For organisations
  • prescription periods
    1. 5. Dealing with a prescription case
  • referrals
    1. Making appropriate referrals
    2. Signposting or referral
  • reviews
    1. Reviews
  • stages of debt advice
    1. Stages of the debt advice process
    2. Chapter 3: The six stages of the debt advice process
    • business debt
      1. 3. Stages of debt advice
    • checking liability
      1. 3. Stage 3: check liabilities
    • emergencies
      1. 2. Stage 2: deal with emergencies
    • financial statement
      1. 5. Stage 5: create the initial Common Financial Statement
    • listing creditors
      1. 4. Stage 4: listing creditors and priority and non-priority debts
    • maximising income
      1. 6. Stage 6: maximise income and reduce expenditure
      2. Chapter 19: Benefits and other payments
      3. Which benefits and tax credits can a client claim
  • Tackling Problem Debt Group
    1. Tackling Problem Debt Group
  • triage interview
    1. The triage interview
• debt adviser
  • attitudes to debt
    1. A professional attitude
  • budgeting advice
    1. 7. Budgeting advice
  • business debt
    1. Giving advice to self-employed clients
  • client with mental health issues
    1. Clients with mental health problems
  • court representation
    1. 4. Representing clients in court
  • creating trust
    1. 1. Stage 1: find out the whole situation
  • dealing with harassment
    1. Dealing with harassment
  • Debt Arrangement Scheme
    1. The debt adviser
  • economic abuse
    1. 6. The adviser’s role
  • emergencies
    1. 2. Stage 2: deal with emergencies
  • hierarchy of debts following a death
    1. Hierarchy of debts
  • information from client
    1. Understand that all information obtained from the client is vital
  • interviewing
    1. 1. Interviewing
  • involving the client
    1. An ability to involve the client in informed choices
  • knowledge of law of procedures
    1. A sound knowledge of law and procedures
  • letter writing
    1. 3. Letter writing
  • mental health issues
    1. 3. Issues for clients and advisers
  • negotiating
    1. 2. Negotiating
  • representing in sheriff court
    1. Useful techniques
  • role and functions
    1. The debt adviser
  • social policy work
    1. A commitment to social policy
    2. 5. Changing policy
  • student debt
    1. 1. Advising students
  • tools to support vulnerable clients
    1. 9. Tools and support
  • vulnerable clients
    1. Challenges when working with vulnerable clients
• Debt Arrangement Scheme
  1. 3. The Debt Arrangement Scheme
  • administration process
    1. Administration process following approval of the DPP
  • aliment arrears
    1. Debt Arrangement Scheme
  • application process
    1. Preparing the application
    2. Preparation for an application for a DPP
    3. The application
  • application rejected
    1. Rejection of a DPP proposal
  • child support arrears
    1. Debt Arrangement Scheme
  • completion
    1. Completion of a DPP
  • composition
    1. Composition
  • DAS administrator
    1. The DAS administrator
  • death
    1. Debt Payment Programmes
  • eligibility
    1. Eligibility for a debt payment programme
  • mortgage arrears
    1. Using the Debt Arrangement Scheme
  • private sector rent arrears
    1. Using the Debt Arrangement Scheme
  • procedure following approval of DAS
    1. The effect of approval of a DPP on the client
  • revocation
    1. Revocation of a DPP
  • variation
    1. Application for a variation
• debt collection
  • breach of guidance
    1. The Consumer Credit Sourcebook
  • Consumer Credit Sourcebook
    1. The Consumer Credit Sourcebook
  • creditors' codes of practice
    1. Codes of practice
  • harassment
    1. Dealing with harassment
• debt management companies
  1. Debt advice is a professional activity
• debt packager referral fees
  1. Ban on debt packager referral fees
• debt payment programme
  • Debt Arrangement Scheme
    1. 3. The Debt Arrangement Scheme
• Debtor Contribution Order
  1. Debtor contribution order
  • Full Administration Bankruptcy
    1. Debtor contribution order
  • Minimal Asset Process bankruptcy
    1. Debtor contribution order
• debts not covered by Consumer Credit Act
  1. Exempt credit agreements
• deduction from earnings order
  • child support payments
    1. Special features
    2. 3. Deduction from earnings orders
  • trust deed payments
    1. Deductions from the client’s earnings
• deductions from benefits
  1. 4. Third-party deductions
  2. 1. Introduction
  • amounts
    1. How much can be deducted
  • bankruptcy
    1. Third-party deductions and insolvency
  • consent
    1. Consent for deductions
  • Debt Arrangement Scheme
    1. Third-party deductions and the Debt Arrangement Scheme
  • deductions from benefits order
    1. Deduction from benefits order
  • more than one deduction
    1. More than one deduction
  • priority order of deductions
    1. Priority of debts
• default notice
  • regulated credit agreements
    1. 8. Default notices
• diligence
  1. Chapter 9: Diligence
  • adjudication for debt
    1. 7. Adjudication for debt
  • attachment
    1. Attachment
  • bank arrestment
    1. 3. Bank arrestment
  • court procedures
    1. 6. On the dependence
  • earnings arrestment
    1. 2. Earnings arrestment
  • exceptional attachment
    1. Exceptional attachment
  • inhibition in execution
    1. 5. Inhibition in execution
  • money attachment
    1. 4. Money attachment
  • moratorium on diligence
    1. Moratorium on diligence
    2. 9. Statutory moratorium on diligence
  • non-diligence debt recovery
    1. 1. Introduction
  • on the dependence
    1. 6. On the dependence
  • summary diligence
    1. 8. Summary diligence
• diligence stopper
  1. Diligence stopper
• direct earnings attachment
  1. 2. Direct earnings attachments
  • rate of deductions
    1. How deductions are made
• disability
  • adult disability payment
    1. Adult disability payment
  • assistance funds
    1. Special funds for sick or disabled people
  • attendance allowance
    1. Attendance allowance
  • child disability payment
    1. Child disability payment
  • disability living allowance
    1. Disability living allowance
  • employment and support allowance
    1. Employment and support allowance
  • industrial injuries benefits
    1. Industrial injuries disablement benefit
  • personal independence payment
    1. Personal independence payment
• discretionary housing payments
  1. Discretionary housing payment
• dismissal
  • pay in lieu of notice
    1. Notice pay
• domestic abuse
  1. 2. What is economic abuse
• drugs
  • capacity to make a contract
    1. Incapacity
• earnings
  • direct earnings attachment
    1. 2. Direct earnings attachments
  • evidence of earnings
    1. Income sources from which a contribution can be taken
• earnings arrestment
  1. 2. Earnings arrestment
  2. Arrestment of funds order
  • challenging an earnings arrestment
    1. Applications for orders that an earnings arrestment is invalid
  • schedule
    1. Earnings arrestment schedule
• economic abuse
  1. Chapter 17: Economic abuse
  • coerced debt
    1. Coerced debt
  • definition
    1. 2. What is economic abuse
  • identifying economic abuse
    1. 5. Identifying economic abuse
  • role of adviser
    1. 6. The adviser’s role
• emergency action
  • fuel disconnection
    1. The client is facing imminent disconnection of essential utilities
  • overview
    1. An overview of basic tactics to deal with emergency situations
  • possession of home
    1. The client is about to be evicted for rent arrears
  • preventing goods being taken
    1. Sheriff officers are threatening to visit the client’s home and/or remove goods
• employment and support allowance
  1. Employment and support allowance
  • deductions from benefit
    1. How third-party deductions work
    • maximum deductions
      1. Deductions from other means-tested benefits
• enforcement action
  • commercial rent arrears
    1. Rent arrears
  • enforcement orders
    1. Enforcement orders
• enforcement orders
  1. Enforcement orders
• equal pay
  1. Equal pay rules
• European Commission Consumer Credit Directive 2008
  1. European Consumer Credit Directive
• eviction
  • Debt Arrangement Scheme
    1. Using the Debt Arrangement Scheme
  • enforcement by sheriff officers
    1. Eviction
  • private residential tenancies
    1. Private residential tenancies
  • private sector tenants
    1. The First-tier Tribunal for Scotland (Housing and Property Chamber)
    2. Dealing with an eviction case
  • short-assured and assured tenancies
    • assured tenancies
      1. Short-assured tenancies and assured tenancies
    • grounds for eviction
      1. Short-assured tenancies and assured tenancies
    • short-assured tenancies
      1. Short-assured tenancies and assured tenancies
  • social housing
    1. Pre-court processes
    • notice of proceedings
      1. Notice of proceedings for recovery of possession
    • pre-action requirements
      1. Pre-action requirements
• exceptional attachment
  1. Exceptional attachment
  • enforcement
    1. Sheriff officer’s power of entry
  • forms
    1. Forms for exceptional attachments and attachments
• executor
  1. 2. The executor
• expenditure
  • business expenses
    1. Business expenditure
  • challenging expenditure
    1. Challenging low spending
  • Common Financial Tool
    1. Expenditure
  • contingency allowance
    1. Contingency provision
  • essential expenditure
    1. Essential expenditure
  • luxury items
    1. Luxury or non-essential items
    2. Trigger figure categories
  • reducing expenditure
    1. Reduce expenditure
• faulty goods/services
  1. Faulty goods
• financial abuse
  1. Financial abuse
  2. 4. Financial abuse versus economic abuse
  • Financial Abuse Code of Pracrice
    1. 8. Financial Abuse Code
• financial capability
  1. Financial inclusion: MoneyHelper
  2. 6. Vulnerability and financial capability
• Financial Conduct Authority
  1. The Financial Conduct Authority
  • consumer credit activities
    1. 14. The Financial Conduct Authority’s role
  • Consumer Credit Sourcebook
    1. The Consumer Credit Sourcebook
  • credit authorisation
    1. 14. The Financial Conduct Authority’s role
  • debt collection guidance
    1. The Consumer Credit Sourcebook
  • guidance for advisers
    1. The Financial Conduct Authority
  • guidance for lenders
    1. FCA guidance for lenders
  • mental capacity
    1. Financial Conduct Authority guidance
• financial inclusion
  1. Financial inclusion: MoneyHelper
• Financial Ombudsman Service
  1. The Financial Ombudsman Service
  2. Financial Ombudsman Service
  • mortgage arrears
    1. Complaints and the Financial Ombudsman Service
• Financial Services Compensation Scheme
  1. Financial Services Compensation Scheme
• financial statement
  1. The financial statement
  • business debt
    1. Draw up a financial statement for a self-employed client
  • common financial statement
    1. The Common Financial Statement
    • accessing common financial statement
      1. How to access the Common Financial Statement
    • completing common financial statement
      1. How to complete the Common Financial Statement
    • local and UK government creditors
      1. Issues with local and UK government creditors
    • trigger figures
      1. The trigger figures
  • standard financial statement
    1. Who can access the Common Financial Tool
• fines enforcement officers
  1. Fines issued after prosecution
• First-tier Tribunal for Scotland (Housing and Property Chamber)
  1. The First-tier Tribunal for Scotland (Housing and Property Chamber)
  • appeals
    1. Appeal
  • application to tribunal
    1. Application to the tribunal: common rules
  • hearings
    1. Hearings
  • lay representatives
    1. Lay representatives, supporters and exclusions
  • tribunal options
    1. Tribunal options
• fiscal fines
  1. Fiscal fines
• fixed-rate mortgage
  1. Fixed-rate mortgages
• fixed penalty notices
  1. Fixed penalty notices
• food banks
  1. Food banks
• franchises
  1. Client with a franchise agreement
• free school meals
  1. Free school meals
• fuel charges
  1. 3. Gas and electricity charges
  • arrears
    1. Special features of electricity and gas arrears
    • deductions from benefits
      1. Utility arrears
  • backbilling
    1. Backbilling
  • Common Financial Tool
    1. Essential expenditure
  • disconnection
    • emergency action
      1. The client is facing imminent disconnection of essential utilities
  • estimated bills
    1. Estimated bills
  • extra support
    1. Other assistance
  • liability
    • electricity
      1. Electricity
    • gas
      1. Gas
  • limitation period
    1. Backbilling
  • prepayment meters
    1. Extra support
  • priority debts
    1. Priority debts
  • priority services register
    1. Other assistance
  • reducing expenditure
    1. Utilities
  • smart meters
    1. Extra support
  • support and advice
    1. Extra support
    2. Other assistance
  • Warm Home Discount
    1. Warm Home Discount
    2. Warm Home Discount
• Full Administration Bankruptcy
  1. 5. Full Administration Bankruptcy
  • apparent insolvency
    1. Apparent insolvency
  • application
    1. Making an application
    2. BASYS
  • checklist
    1. Checklist
  • date of sequestration
    1. Date of sequestration
  • duration of bankruptcy
    1. Duration of the bankruptcy
  • fees
    1. Fees
  • included and excluded debts
    1. Included and excluded debts
  • non-payment
    1. Non-payment
  • qualifying criteria
    1. Qualifying criteria
  • Statement of Truth
    1. Statement of undertakings and statement of truth
  • Statement of Undertaking
    1. Statement of undertakings and statement of truth
• funeral support payment
  1. Funeral support payment
• gambling
  • gambling-related vulnerability
    1. Gambling
• guarantee payments
  1. Guarantee pay
• guardian's allowance
  1. Guardian’s allowance
• harassment
  1. Dealing with harassment
• hardship funds
  • trade unions
    1. Trade unions
• health benefits
  1. Health benefits
• Help to Save
  1. Help to Save
• hire purchase agreements
  • Common Financial Tool
    1. Essential expenditure
  • personal contract purchases
    1. 9. Voluntary termination of hire purchase and personal contract purchase agreements
  • preventing repossession
    1. The client is facing the imminent loss of essential goods – eg, if hire purchase goods are about to be repossessed
  • voluntary termination
    1. 9. Voluntary termination of hire purchase and personal contract purchase agreements
• Homeowners' Support Fund
  1. Homeowners’ Support Fund
• housekeeping costs
  • Listing expenditure
    1. Trigger figure categories
• housing
  1. Chapter 8: Housing debt
  • discretionary housing payment
    1. Discretionary housing payment
  • equity in the home
    1. Heritable property (the client's home)
  • housing benefit
    1. Housing benefit
  • private rented sector
    1. 2. Private rented sector
  • social housing
    1. 1. Social housing sector
• housing benefit
  1. Housing benefit
• income
  1. 6. Stage 6: maximise income and reduce expenditure
  • benefits
    1. Income sources from which a contribution can be taken
    2. Income from which a contribution cannot be taken
  • business
    1. Business income
  • calculating income
    1. Income
  • Common Financial Tool
    1. Income
• income support
  1. Income support
  • deductions from benefit
    1. How third-party deductions work
    • maximum deductions
      1. Deductions from other means-tested benefits
• income tax
  • allowances
    1. Tax allowances
    2. Tax allowances
  • arrears
    1. Income tax debts
    • summary warrant
      1. What is a summary warrant
  • rebate
    1. Tax rebate
    2. Tax rebate
  • reliefs
    1. Tax reliefs
  • self-employment
    1. Tax, national insurance and VAT debts
• indemnity insurance
  1. Mortgage indemnity guarantee
• industrial diseases/accidents
  1. Industrial injuries disablement benefit
• industrial injuries benefits
  1. Industrial injuries disablement benefit
• inhibition
  1. 5. Inhibition in execution
  • checklist
    1. Checklist
• insolvency
  • creditor's petition
    1. Apparent insolvency
  • Full Administration Bankruptcy
    1. Apparent insolvency
  • Minimal Asset Process
    1. 4. The Minimal Asset Process
  • private sector rent arrears
    1. Using an insolvency option
• insurance
  • surrender value of policies
    1. Insurance policies
• interest-only mortgage
  1. Interest-only mortgages
• interviewing skills
  1. 1. Interviewing
  2. Interviewing clients
• jobseeker's allowance
  1. Jobseeker’s allowance
  • deductions from benefit
    1. How third-party deductions work
    • maximum deductions
      1. Deductions from other means-tested benefits
• joint and several liability
  • council tax
    1. Liability
• landlords
  • landlord hypothec
    1. Landlord hypothec
• lay-offs
  • guarantee payments
    1. Guarantee pay
• lay representation
  1. Lay representation
  • techniques for sheriff court representation
    1. Useful techniques
  • time to pay directions
    1. Lay representation
  • time to pay orders
    1. Lay representation
• leases
  • business equipment
    1. Other leases
  • business premises
    1. The premises lease
• legally competent
  1. 6. Mental health and capacity to contract in Scotland
• letter writing
  1. 3. Letter writing
• liability for debts
  1. 3. Stage 3: check liabilities
  • acknowledgement of debt
    1. Debt lapsed because of time
  • capacity to make a contract
    1. Incapacity
  • children and young people
    1. Minors
  • co-operatives
    1. Member of a co-operative
  • death
    1. Debts after death
    2. 1. Liability for debts
  • electricity charges
    1. Electricity
  • faulty goods/services
    1. Faulty goods
  • franchises
    1. Client with a franchise agreement
  • gas charges
    1. Gas
  • joint and several liability
    1. Joint and several liability
  • limited liability partnerships
    1. Member of a limited liability partnership
  • sole trader
    1. Sole traders
  • undue influence
    1. Undue influence/duress
  • unfair relationship
    1. 6. Unfair relationships
• liability order
  • child support payments
    1. Enforcement
• limitation periods
  1. 1. Introduction
  • fuel charges
    1. Backbilling
• limited company
  1. Director of a limited company
• limited liability partnerships
  1. Member of a limited liability partnership
• loans
  • prescription period
    1. Debts covered by the five-year prescription period
• local authority
  • councillors
    1. Local councillors and MPs
• long negative prescription
  1. 3. Long negative prescription (20 years)
• low income
  • health benefits
    1. Health benefits
• lump sums
  • trade unions
    1. Trade unions
• luxury items
  1. Luxury or non-essential items
• maintenance payments
  1. 2. Spousal maintenance payments
  • enforcement
    1. Enforcement
  • priority debts
    1. Priority debts
  • treatment as income
    1. Income sources from which a contribution can be taken
  • treatment of contributions
    1. Income sources from which a contribution can be taken
• marriage
  • bereavement support payment
    1. Bereavement support payment
• maternity allowance
  1. Maternity allowance
• maternity benefits
  • statutory maternity pay
    1. Statutory maternity pay
  • statutory shared parental pay
    1. Statutory shared parental pay
• MATRICS project
  1. Second-tier support from MATRICS consultancy
• maximising income
  1. Overview of maximising income
  2. 1. Introduction
  • benefits and tax credits
    1. Benefit check
    2. Which benefits and tax credits can a client claim
  • businesses
    1. Maximise income
  • charities
    1. Charity payments
    2. Charities
  • child maintenance
    1. Child maintenance
    2. Child maintenance
  • compensation for damages
    1. Civil compensation for damages
    2. Civil compensation for damages
  • council tax reduction
    1. Council tax discount or reduction
    2. Council tax reduction
  • disability/illness assistance funds
    1. Special funds for sick or disabled people
  • discretionary housing payment
    1. Discretionary housing payment
  • equal pay
    1. Equal pay rules
  • food banks
    1. Food banks
    2. Food banks
  • free school lunches
    1. Free school meals
  • guarantee payments
    1. Guarantee pay
  • income tax
    • allowances
      1. Tax allowances, rebates and tax codes
      2. Tax allowances
    • rebate
      1. Tax rebate
      2. Tax rebate
    • reliefs
      1. Tax reliefs
  • minimum wage
    1. National minimum wage
  • notice pay
    1. Notice pay
  • pensions
    1. Private and occupational pensions
    2. Private and occupational pensions
  • redundancy payments
    1. Redundancy pay
  • school clothing
    1. School clothing grants
  • school transport
    1. School transport
  • Scottish Welfare Fund
    1. Scottish Welfare Fund
  • social work
    1. Social work
  • trade unions
    1. Trade unions
    2. Trade unions
  • war pensions
    1. Payments for war injury
  • Warm Home Discount
    1. Warm Home Discount
• McKenzie friend
  1. Lay representation
• media
  • social policy work
    1. Using the media
• Member of Parliament
  1. Local councillors and MPs
• mental capacity
  1. Mental capacity
  • adults with incapacity
    1. Adults with Incapacity (Scotland) Act 2000
  • FCA guidance
    1. 7. Key requirements and guidance
• mental health
  1. Chapter 15: Debt and mental health
  • advising clients
    1. Clients with mental health problems
    2. 3. Issues for clients and advisers
  • capacity to make a contract
    1. Incapacity
  • conditions
    1. 2. Mental health conditions
  • Debt and Mental Health Evidence Form
    1. 5. Debt and Mental Health Evidence Form
  • guidance for creditors
    1. 7. Key requirements and guidance
  • interview techniques
    1. Interviewing clients
  • sensitive personal data
    1. 4. Data protection and sensitive personal data
• messengers-at-arms
  1. Messengers-at-arms
• meters
  • fuel
    • prepayment meters
      1. Extra support
    • smart meters
      1. Extra support
• Minimal Asset Process bankruptcy
  1. 4. The Minimal Asset Process
  • application
    1. Making an application
    2. BASYS
  • date of sequestration
    1. Date of sequestration
  • duration of bankruptcy
    1. Duration of the bankruptcy
  • fees
    1. Fees
  • included and excluded debts
    1. Included and excluded debts
  • qualifying criteria
    1. Qualifying criteria
  • Statement of Truth
    1. Statement of undertakings and statement of truth
  • Statement of Undertaking
    1. Statement of undertakings and statement of truth
• minimising debts
  • business debt
    1. Minimise debts by ceasing to trade
• minimum wage
  1. National minimum wage
• mobile phones
  • essential expenditure
    1. Luxury or non-essential items
• money attachment
  1. 4. Money attachment
  • checklist
    1. Checklist
• money claims in the sheriff court
  1. Chapter 7: Money claims in the sheriff court
  • ordinary cause procedure
    1. 3. Ordinary cause
  • simple procedure
    1. 2. Simple procedure
• MoneyHelper
  1. Financial inclusion: MoneyHelper
• Mortgage Charter
  1. Tailored support guidance and forbearance
  2. The Mortgage Charter
• mortgage interest loans
  1. Loan for mortgage interest
  2. Mortgage interest loans
• mortgages
  1. 3. Mortgage arrears
  • arrears
    1. Dealing with mortgage arrears
  • capital repayment mortgages
    1. Capital repayment mortgages
  • capitalising arrears
    1. Capitalise the arrears
  • changing to cheaper mortgage
    1. Mortgage prisoners
  • checklist
    1. Checklist
  • complaints
    1. Complaints and the Financial Ombudsman Service
  • consumer protection
    1. Consumer duty
  • Debt Arrangement Scheme
    1. Using the Debt Arrangement Scheme
  • fixed-rate mortgages
    1. Fixed-rate mortgages
  • Homeowners' Support Fund
    1. Homeowners’ Support Fund
  • indemnity guarantee
    1. Mortgage indemnity guarantee
  • insolvency
    1. Using an insolvency option
  • interest-only mortgages
    1. Interest-only mortgages
    2. Interest-only payments
    • FCA guidance
      1. Guidance for customers with interest-only mortgages
  • loans for mortgage interest
    1. Loan for mortgage interest
  • mortgage prisoners
    1. Mortgage prisoners
  • payment holiday
    1. Reduced payments or a payment holiday
  • post-pandemic support
    1. Tailored support guidance and forbearance
  • priority debts
    1. Priority debts
    2. 3. Mortgage arrears
  • reduced payments
    1. Reduced payments or a payment holiday
  • regulated contracts
    1. The FCA and regulated mortgage contracts
  • repossession process
    1. The repossession process
  • shared ownership mortgages
    1. Shared ownership mortgages
  • Sharia-compliant mortgages
    1. Islamic mortgages
  • shortfall on sale
    1. Mortgage shortfalls
    • indemnity insurance
      1. Mortgage indemnity guarantee
    • prescription period
      1. Mortgage shortfall
  • standard security
    1. Standard securities
  • standard variable rate mortgages
    1. Standard variable rate mortgages
  • tailored support
    1. Tailored support guidance and forbearance
  • time order
    1. Time order
  • tracker mortgages
    1. Tracker mortgages
  • voluntary surrender
    1. Handing back the keys (voluntary surrender)
• Mortgages and Home Finance: conduct of business sourcebook
  1. Mortgages and Home Finance: Conduct of Business Sourcebook
• national insurance contributions
  • self-employment
    1. Tax, national insurance and VAT debts
• negotiation
  1. 2. Negotiating
• non-dependants
  • contribution to budget
    1. The client’s non-dependants
    2. Adult non-dependants
• non-priority debts
  1. Priority debts
  2. Non-priority debts
  • business debt
    1. Choose a strategy for non-priority debts
  • freezing interest
    1. Dealing with non-priority debt
  • general approach
    1. Dealing with non-priority debt
  • pro-rata payments
    1. Dealing with non-priority debt
  • token payments
    1. Dealing with non-priority debt
• notice
  • pay in lieu of notice
    1. Notice pay
• occupational pension
  1. Private and occupational pensions
• Ofcom
  1. Ofgem, Ofcom and Ofwat
• Ofwat
  1. Ofgem, Ofcom and Ofwat
• older people
  • age-related vulnerability
    1. Age-related vulnerability
• Ombudsman Services: Energy
  1. Energy Ombudsman
• Ombudsmen
  1. Ombudsmen
• ordindary cause procedure
  1. 3. Ordinary cause
  • appeals
    1. Appeals
  • decisions
    1. Decisions made in court
  • fees
    1. How an action is raised
  • going to court
    1. Going to court
  • initial writ
    1. Understanding an ordinary cause initial writ
  • lay representation
    1. Lay representation
  • options hearing
    1. Options hearing
  • post decree
    1. Post-decree
  • raising an action
    1. How an action is raised
  • serving an initial writ
    1. Serving an initial writ
  • time to pay order
    1. Time to pay order
• overdrafts
  • prescription period
    1. Debts covered by the five-year prescription period
  • student debt
    1. 8. Overdrafts
• overpayments
  • benefits
    1. 1. Introduction
    • prescription period
      1. Debts covered by the 20-year prescription period
      2. Benefit overpayments
  • Scottish benefits
    • prescription period
      1. Debts covered by the five-year prescription period
• partnerships
  1. Partner in a business partnership
  • limited liability partnerships
    1. Member of a limited liability partnership
• paternity payments
  • statutory paternity pay
    1. Statutory paternity pay
  • statutory shared parental pay
    1. Statutory shared parental pay
• pay in lieu of notice
  1. Notice pay
  • treatment as income
    1. Income sources from which a contribution can be taken
• payday loans
  • prescription period
    1. Debts covered by the five-year prescription period
• pension credit
  1. Pension credit
  • deductions from benefit
    1. How third-party deductions work
    • maximum deductions
      1. Deductions from other means-tested benefits
• pensions
  • occupational pensions
    1. Private and occupational pensions
  • private pensions
    1. Private and occupational pensions
  • state retirement pension
    1. State retirement pension
  • treatment as income
    1. Income sources from which a contribution can be taken
  • treatment of contributions
    1. Income sources from which a contribution can be taken
• personal independence payment
  1. Personal independence payment
• personal injury claims
  1. Civil compensation for damages
• possession proceedings
  • mortgage arrears
    1. The repossession process
  • private sector tenants
    1. The First-tier Tribunal for Scotland (Housing and Property Chamber)
    • notice of proceedings
      1. Short-assured tenancies and assured tenancies
    • notice to quit
      1. Short-assured tenancies and assured tenancies
    • section11 notice
      1. Short-assured tenancies and assured tenancies
  • social housing
    1. Pre-court processes
    • decree for possession
      1. Post-court action
    • notice of proceedings
      1. Notice of proceedings for recovery of possession
  • 20-year prescription period
    1. 3. Long negative prescription (20 years)
• prescription periods
  1. 1. Introduction
  • benefit overpayments
    1. Benefit overpayments
  • council tax arrears
    1. Council tax
  • court decree/judgement
    1. Sheriff court decree/decision
  • debt advice
    1. 5. Dealing with a prescription case
  • five-year prescription period
    1. 2. Short negative prescription (five years)
  • mortgage shortfall
    1. Mortgage shortfall
  • student loans
    1. Student loans
• priority debts
  1. Priority debts
  • business debt
    1. Deal with priority debts
  • deciding on priorities
    1. Dealing with priority debts
  • definition
    1. Priority debts
  • mortgage arrears
    1. 3. Mortgage arrears
  • negotiations
    1. Dealing with priority debts
  • sanctions for non-payment
    1. Sanctions and client needs
• private residential tenancies
  1. Private residential tenancies
  • notice to leave
    1. Private residential tenancies
• private sector tenants
  1. 2. Private rented sector
  • eviction and possession orders
    1. The First-tier Tribunal for Scotland (Housing and Property Chamber)
• protected minimum balance
  1. Protected minimum balance
• redundancy
  1. Redundancy pay
  • treatment as income
    1. Income sources from which a contribution can be taken
• regulated credit agreements
  1. Regulated credit agreements
  • arrears notices
    1. 7. Arrears notices
  • cancellation
    1. Cancelling a consumer credit contract
    • distance contracts
      1. Credit agreements at a distance and cooling-off periods
  • credit card protection
    1. 11. Section 75 credit card protection
  • default notices
    1. 8. Default notices
  • early settlement
    1. 12. Early repayment rules under the Consumer Credit Act
  • exempt agreements
    1. Exempt credit agreements
  • information that must be in the agreement
    1. Prescribed and non-prescribed terms on consumer credit agreements
  • non-prescribed terms
    1. Non-prescribed terms
  • pre-contract information
    1. 3. Pre-contractual information
  • prescribed terms
    1. Prescribed terms
  • section 75 credit card protection
    1. 11. Section 75 credit card protection
  • time orders
    1. 10. Time orders
  • unfair relationship
    1. 6. Unfair relationships
  • withdrawal from agreement
    1. Withdrawal from agreements
• regulatory bodies
  • Financial Conduct Authority
    1. The Financial Conduct Authority
  • Ofcom
    1. Ofgem, Ofcom and Ofwat
  • Ofgem
    1. Ofgem, Ofcom and Ofwat
  • Ofwat
    1. Ofgem, Ofcom and Ofwat
• rent
  • arrears
    • commercial properties
      1. Rent arrears
    • deductions from benefits
      1. Rent/service charges arrears
    • emergency action
      1. The client is about to be evicted for rent arrears
    • pre-action protocol
      • assured and short-assured tenancies
        1. Short-assured tenancies and assured tenancies
      • private residential tenancies
        1. Private residential tenancies
    • prescription period
      1. Debts covered by the five-year prescription period
    • priority debts
      1. Priority debts
    • private sector housing
      1. 2. Private rented sector
    • social housing sector
      1. 1. Social housing sector
  • discretionary housing payment
    1. Discretionary housing payment
• representation in court
  1. 4. Representing clients in court
• retirement
  • pension credit
    1. Pension credit
  • state retirement pension
    1. State retirement pension
• safeguarding
  1. 7. Safeguarding
  • adults with incapacity
    1. Adults with Incapacity (Scotland) Act 2000
• satellite television
  • essential expenditure
    1. Luxury or non-essential items
• Scottish child payment
  1. Scottish child payment
• Scottish Public Services Ombudsman
  1. The parliamentary, local authority and health service ombudsman
• Scottish Welfare Fund
  1. Scottish Welfare Fund
• self-employment
  • business debt
    1. Chapter 14: Business debts
  • Business Debt Arrangement Scheme
    1. Business Debt Arrangement Scheme
  • business debt solutions
    1. Business debt solutions in Scotland
  • checklist
    1. Business Debt Arrangement Scheme
  • Common Financial Tool
    1. Income sources from which a contribution can be taken
  • financial statement
    1. Draw up a financial statement for a self-employed client
  • national insurance contributions
    1. National insurance contributions
  • tax arrears
    1. Income tax arrears
    2. Income tax debts
  • tax reliefs
    1. Tax reliefs
  • VAT
    1. Value added tax
• sequestration
  • Common Financial Tool
    1. Common Financial Tool for sequestration applications
  • date of sequestration
    • Full Administration Bankruptcy
      1. Date of sequestration
    • Minimal Asses Process
      1. Date of sequestration
  • sequestration petition
    1. Sequestration petition by a qualified creditor to the sheriff court
• shared ownership mortgages
  1. Shared ownership mortgages
• Sharia-compliant mortgages
  1. Islamic mortgages
• sheriff courts
  • court personnel
    1. Court personnel
  • court procedure
    1. The procedure
  • ordinary cause
    1. 3. Ordinary cause
  • representation by debt advisers
    1. 4. Representing clients in court
  • simple procedure
    1. 2. Simple procedure
  • summary warrant
    1. 4. Summary warrant
  • user groups
    1. Local liaison groups
• sheriff officers
  1. Sheriff officers
  • complaints
    1. 4. Making a complaint about a sheriff officer
  • emergency action
    1. Sheriff officers are threatening to visit the client’s home and/or remove goods
  • exceptional attachment
    1. Exceptional attachment
  • identification
    1. Checking an officer’s identity
  • powers
    1. 2. What sheriff officers do
    • enforce debts from other parts of UK
      1. 3. Sheriff officers' powers to enforce debts from other parts of the UK
    • entry
      1. Entering a home or workplace
    • eviction
      1. Eviction
    • removing goods for sale
      1. Exceptional attachment
• short-assured tenancies
  1. Short-assured tenancies and assured tenancies
• short negative prescription
  1. 2. Short negative prescription (five years)
• sickness
  • employment and support allowance
    1. Employment and support allowance
  • industrial injuries benefits
    1. Industrial injuries disablement benefit
  • statutory sick pay
    1. Statutory sick pay
• simple procedure
  1. 2. Simple procedure
  • alternative dispute resolution
    1. Alternative dispute resolution
  • appeals
    1. Appeal
  • changes to simple procedure rules and forms
    1. Changes to the Simple Procedure Rules and forms
  • Civil Online
    1. Civil Online
  • claim form
    1. Understanding a simple procedure claim form
  • decision
    1. The decision
  • fees
    1. Fees
  • filing and serving documents
    1. Filing and serving documents
  • going to court
    1. Going to court
  • lay representation
    1. Lay representation and courtroom supporters
  • orders
    1. Orders (including standard and 'unless' orders)
  • pause and restart
    1. Pause and restart
  • procedures
    1. What happens in a case
  • provisional measures
    1. 6. On the dependence
  • provisional orders
    1. Provisional orders
  • raising an action
    1. How an action is raised
  • timetable
    1. Timetable
• social fund
  1. Social fund payments
• social housing
  • decree for possession
    1. Post-court action
  • eviction for rent arrears
    1. Pre-court processes
  • rent arrears
    1. 1. Social housing sector
  • summary cause process
    1. Summary cause process
• social policy
  1. A commitment to social policy
  2. 5. Changing policy
• sole trader
  1. Sole traders
• solicitors
  • complaints
    1. Complaints about a solicitor
• standard security
  1. Standard securities
• standard variable rate mortgages
  1. Standard variable rate mortgages
• state retirement pension
  1. State retirement pension
• statutory adoption pay
  1. Statutory adoption pay
• statutory demand
  • response
    1. Dealing with a statutory demand
• statutory maternity pay
  1. Statutory maternity pay
• statutory moratorium
  • application
    1. Making an application
  • moratorium on diligence
    1. Statutory moratorium on diligence
    2. 9. Statutory moratorium on diligence
  • period of moratorium
    1. Period of moratorium
  • ready reckoner
    1. Ready reckoner
  • summary warrant
    1. Statutory moratorium
• statutory parental bereavement pay
  1. Statutory parental bereavement pay
• statutory paternity pay
  1. Statutory paternity pay
• statutory shared parental pay
  1. Statutory shared parental pay
• statutory sick pay
  1. Statutory sick pay
• store cards
  • prescription period
    1. Debts covered by the five-year prescription period
• student debt
  1. Chapter 21: Student debt
  • advising students
    1. 1. Advising students
  • bankruptcy
    1. Included and excluded debts
  • bursaries
    1. 4. Bursaries and grants
  • housing costs
    1. 6. Help with housing costs
  • overdrafts
    1. 8. Overdrafts
  • tuition fees
    1. 2. Tuition fees
• student financial support
  • bursaries
    1. 4. Bursaries and grants
    • care-experienced students' bursary
      1. Care-experienced students’ bursary
    • childcare fund
      1. Childcare fund
    • dependants' grant
      1. Dependants’ grant
    • disabled students' allowance
      1. Disabled students’ allowance
    • estranged students' bursary
      1. Estranged students’ bursary
    • higher education discretionary fund
      1. Higher education discretionary fund
    • independent students' bursary
      1. Independent students’ bursary
    • lone parents' grant
      1. Lone parents’ grant
    • paramedic, nursing and midwifery student bursaries
      1. Paramedic, nursing and midwifery student bursaries
    • summer accommodation grant
      1. Summer accommodation grant
    • young students' bursary
      1. Young students’ bursary
  • housing costs
    1. 6. Help with housing costs
  • student loans
    1. 3. Student loans
• student loans
  1. 3. Student loans
  • amount
    1. The amount of student loans
  • cancellation
    1. Cancelling a student loan
  • credit rating
    1. Credit rating
  • non-payment of repayment
    1. Non-payment of student loan repayments
  • prescription period
    1. Student loans
  • refund of overpaid student loan
    1. Refunds
  • repayment
    1. Repayment of a student loan
• suicidal ideation
  1. 5. Clients with suicidal feelings
• summary cause process
  • social housing
    • summons
      1. The summons
• summary diligence
  1. 8. Summary diligence
  • checklist
    1. Checklist
• summary sheriff
  1. Sheriff and summary sheriff
• summary warrant
  1. 4. Summary warrant
  • court process
    1. Court process
  • dealing with a summary warrant
    1. Dealing with a summary warrant
  • Debt Arrangement Scheme
    1. Debt Arrangement Scheme
  • pre-court procedures
    1. Pre-court procedures
  • prescription period
    1. Debts covered by the 20-year prescription period
  • recovery process
    1. The summary warrant recovery process
  • statutory moratorium
    1. Statutory moratorium
  • time to pay order
    1. Time to pay order
• Surviving Economic Abuse
  1. Supporting clients – key principles
• Tackling Problem Debt Group
  1. Tackling Problem Debt Group
• telephones
  • essential expenditure
    1. Luxury or non-essential items
  • listing expenditure
    1. Trigger figure categories
• third-party payments
  • deductions from benefits
    1. 4. Third-party deductions
  • trust deeds
    1. Third-party payments
• time order
  1. 10. Time orders
  • advantages
    1. Advantages of a time order
  • disadvantages
    1. Disadvantages of a time order
• time to pay directions
  1. 1. Time to pay directions
  • application
    1. How to apply
  • bankruptcy
    1. Effect of insolvency on a time to pay direction or order
  • checklist
    1. Checklist for action
  • interest
    1. Interest
• time to pay orders
  1. Time to pay order
  2. 2. Time to pay orders
  • application
    1. The process
  • checklist
    1. Checklist for action
  • court hearing
    1. The hearing
  • interest
    1. Interest
• tracker mortgage
  1. Tracker mortgages
• trade associations
  1. Trade associations
• transport costs
  • listing expenditure
    1. Trigger figure categories
• trust deeds
  1. 7. Protected trust deeds
  • appointing a trustee
    1. Appointing your own trustee
  • checklist
    1. Checklist
  • complaints
    1. Complaints
  • contents
    1. Trust deeds contents
  • deductions from earnings
    1. Deductions from the client’s earnings
  • duration of trust deed
    1. Duration of the trust deed
  • family home
    1. Exclusion of the family home
  • fees
    1. Fees
  • how to take on a trust deed
    1. Routes into a protected trust deed
  • included and excluded debts
    1. Included and excluded debts
  • non-payment
    1. Non-payment
  • non-performing trust deeds
    1. Dealing with non-performing trust deeds
  • procedures
    1. Operation of a trust deed
  • protected trust deeds
    1. Gaining protected status
    2. Registration for protection
  • protocol
    1. Trust deed protocol
  • registration
    1. Registration of the trust deed
  • regular contributions
    1. Contribution
  • third party payments
    1. Third-party payments
  • trustee refuses to discharge debtor
    1. Trustee’s refusal to discharge the debtor
  • unprotected trust deeds
    1. Unprotected trust deeds
  • who can sign a trust deed
    1. Who can sign a trust deed
• trustee in trust deed
  1. Appointing your own trustee
• tuition fees
  1. 2. Tuition fees
• TV licence
  • priority debts
    1. Priority debts
• undue influence
  • coerced debt
    1. Undue influence
• unduly harsh
  1. The arrestment has been executed incompetently or irregularly
• unemployment
  • jobseeker's allowance
    1. Jobseeker’s allowance
• unfair relationships
  1. 6. Unfair relationships
  • coerced debts
    1. Unfair relationships
• universal credit
  1. Universal credit
  • deductions from benefit
    1. How third-party deductions work
    • maximum deductions
      1. Deductions from universal credit
  • students
    1. 6. Help with housing costs
• unregulated credit agreements
  • unfair relationship
    1. 6. Unfair relationships
• VAT
  • arrears
    1. VAT debts
  • self-employment
    1. Tax, national insurance and VAT debts
• vehicles
  • essential expenditure
    1. Luxury or non-essential items
  • seizure of vehicle order
    1. Seizure of vehicle order
  • valuation of a vehicle
    1. Vehicles
• vulnerable people
  1. Chapter 16: Debt and vulnerability
  • advising vulnerable clients
    1. Challenges when working with vulnerable clients
    2. 8. Actions and considerations
  • creditors' policies
    1. Creditors
  • defining vulnerability
    1. 2. What is vulnerability?
  • financial capability
    1. 6. Vulnerability and financial capability
  • fuel bills
    1. Other assistance
  • special category data
    1. Data Protection Act 2018
  • suicidal ideation
    1. 5. Clients with suicidal feelings
• war pensions
  1. Payments for war injury
• Warm Home Discount
  1. Warm Home Discount
  2. Warm Home Discount
• water charges
  1. 5. Water charges
  • business debt
    1. Non-domestic customers
  • complaints
    1. Domestic customers
  • deductions from benefits
    1. Domestic customers
    2. Water Direct
  • disconnection
    1. Domestic customers
  • Priority Services Register
    1. Domestic customers
  • summary warrant
    1. Domestic customers
  • Water Direct scheme
    1. Water Direct
• winter fuel payments
  1. Social fund payments
• work capability assessment
  1. Employment and support allowance
  2. Universal credit
• working tax credit
  1. Working tax credit
• young people
  • child benefit
    1. Child benefit
  • child tax credit
    1. Child tax credit