Other areas of social welfare law

Debt

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27 August

The Real Deal: No credit and broke

New report from Citizens Advice Scotland which finds that consumers can experience significant detriment and hardship caused by the (often unintentional) use of a credit broker.

27 August, 2014

Bank of Scotland plc v Rea, McGeady, Laverty

New judgment from the High Court in Northern Ireland (which may have application outside Northern Ireland) which considers whether a mortgage lender may both (a) consolidate arrears of monthly instalments with the mortgage balance upon which the instalments are calculated with the effect of increasing the contractual monthly instalments to spread those arrears over the residue of the mortgage term and also (b) rely on the arrears so consolidated as outstanding arrears for the purpose of possession proceedings.

27 August, 2014

22 August

Bankruptcy Fees (Scotland) Regulations 2014

New regulations prescribe the fees and outlays payable to the Accountant in Bankruptcy in respect of the exercise of that office’s functions under the Bankruptcy (Scotland) Act 1985, and also prescribe when and in what manner certain fees and outlays are due for payment.

22 August, 2014

Bankruptcy (Applications and Decisions) (Scotland) Regulations 2014

New regulations that set out the procedure for the making of applications to, and decisions by, the Accountant in Bankruptcy under the Bankruptcy (Scotland) Act 1985 as amended by the Bankruptcy and Debt Advice (Scotland) Act 2014.

22 August, 2014

Bankruptcy (Scotland) Regulations 2014

New regulations that re-enact, with modifications, the Bankruptcy (Scotland) Regulations 2008 following amendments to the Bankruptcy (Scotland) Act 1985 as amended by the Bankruptcy and Debt Advice (Scotland) Act 2014.

22 August, 2014

19 August

More than 10,000 people complain to ombudsman about credit finding services so far this year

Financial Services Ombudsman warns consumers about websites that take hundreds of pounds on the promise of finding cheap credit, only for the loans never to materialise.

19 August, 2014

15 August

Almost 1.6m UK households are spending more than half their disposable income on housing costs

Fact that working households who are ‘housing pinched’ and in the bottom half of the income distribution have so little left over, in cash terms, to pay for other things, is a real cause for concern, says Resolution Foundation.

15 August, 2014

12 August

Scottish Government allocates £518,000 to alleviate food poverty

Money to support 26 projects across Scotland providing services that include increasing food provision, promoting healthy eating, benefits and other advice and linking food providers across a local area.

12 August, 2014

Trussell Trust to launch financial advice service

Guardian reports on pilot scheme of new service introduced after survey revealed that many food bank clients had payday loans.

12 August, 2014

6 August

Insolvency Service issues call for evidence to review effectiveness of debt relief orders

Consultation will also consider increasing the bankruptcy debt threshold which has been set at £750 for almost 30 years.

06 August, 2014

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