Other areas of social welfare law

Debt

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23 October

Personal insolvencies in Scotland down by 12 per cent on same quarter last year

New official statistics for second quarter of 2014/2015 also show that awards for bankruptcy down by 3.9 per cent on last year.

23 October, 2014

National Minimum Wage (Amendment) (No. 3) Regulations 2014

New amending regulations which provide that persons undertaking Trailblazer Apprenticeships are to have the same national minimum wage entitlements as persons working under contracts of apprenticeship or apprenticeship agreements.

23 October, 2014

20 October

Citizens Advice recommends maximum debt limit for debt relief orders be raised to at least £20,000

One of key points in response to Insolvency Service call for evidence on debt relief orders and the bankruptcy petition.

20 October, 2014

16 October

Poorest tenants are taking on additional debt

New report from Riverside highlights that tenants in the lowest income group have taken on more debts to cover sudden and unforeseen changes in benefit entitlement and the deepening impact of the bedroom tax.

16 October, 2014

Money Advice Service launches consultation on Standard Financial Statement

New Standard Financial Statement, which the Money Advice Service has developed with Citizens Advice, Money Advice Trust and StepChange, has a set of expenditure categories that group items to reflect people’s spending patterns and the way that today’s households apportion their money with four of the categories supported by guidelines (or trigger figures) that indicate reasonable spending levels based on the number of adults and children in a household.

16 October, 2014

Young people struggling to make ends meet more likely to turn to risky credit options

New figures from Citizens Advice show that clients aged 17 to 24 make up 10 per cent of its serious debt cases but over 15 per cent of its cases where debt has been caused by taking out a high-cost loan.

16 October, 2014

10 October

Graves v Capital Home Loans Ltd

New Court of Appeal case that considers whether sections 140A and 140B of the Consumer Credit Act applied to a mortgage and, if so, whether the relationship between the lender and appellant was unfair in its inclusion of a clause relating to the appellant's mental capacity in the agreement between them, and/or the way the lender exercised or enforced its rights under the agreement in the light of its knowledge of the appellant's mental disability.

10 October, 2014

How problem debt affects consumers’ decisions and choices about the goods and services they buy

New report from the Competition and Markets Authority highlights four important ways that consumer bodies can tackle problem debt: supporting financial capability, providing early debt advice, undertaking further consumer behaviour research, and pursuing enforcement and compliance.

10 October, 2014

Six in ten people in debt affected by mental health problems

New report from Citizens Advice highlights that struggling to make ends meet can lead to people feeling stressed, depressed and anxious, and that for some people with mental health conditions, their diagnosis may lead to behaviour which means they are more likely to get into debt.

10 October, 2014

9 October

Competition and Markets Authority sets out proposals to lower payday loan costs

Measures, developed in light of the Financial Conduct Authority’s July 2014 price cap proposals, include encouraging the development of a high quality price comparison sector for payday loans.

09 October, 2014

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