1. SCOTCASH WORKSHOP Co-location and partnership working

3. KEY ISSUES
Up to 1.6m families who were entitled to HB did not claim - £4.86b went unclaimed (DWP, 2015/16)
Up to 0.5m families who were entitled to IS/ESA did not claim - £2.76b went unclaimed (DWP, 2015/16)
2.1m households would benefit from debt advice – latent demand (MAS, 2013)
Continued reductions in budgetary provision for money advice services (Improvement Service, 2016/17)
1.5m adults unbanked (Financial Inclusion Commission, 2016)

4. BARCLAYS / VIRGIN MONEY / BANK OF SCOTLAND
SCOTCASH
(LOANS)
GCC / GHA
SCOTTISH
GOV
RBS /
BARCLAYS / VIRGIN MONEY / BANK OF SCOTLAND
(BANK ACCOUNTS)
CITIZENS
ADVICE
BUREAU
(MONEY ADVICE)
HOUSING
ASSOCIATIONS
(INVESTMENT,
PREMISES,)
REFERRALS)
G-HEAT
&
HOME ENERGY SCOTLAND
(ENERGY ADVICE)
CREDIT
UNIONS
(SAVINGS)
FOOD BANK VOUCHERS
(TRUSSELL TRUST)

5. OUTCOMES
23,000 Affordable Loans
2900 basic bank accounts
900 savings accounts
1500 referrals to energy advice
£6m client financial gains

6. SCOTCASH & GCCAB PARTNERSHIP

7. 3rd Floor, The Mitchell Library, 201 North St, Glasgow G3 7DN
Monday–Friday 9:00am–5:00pm,
drop-in service begins at 9:30am and ends at 4:30pm.

9. Glasgow CAB at Scotcash
2 full time money advisers
Money advice up to and including formal arrangements (bankruptcy and DAS)
Benefits advice (up to mandatory reconsideration level with referrals for tribunals)
Other general CAB advice such as housing and employment
Assistance opening bank accounts (RBS)
By appointment only

10. £205,000 Client financial gain
CAB at Scotcash
152 new clients
£205,000 Client financial gain
£546,300 debt managed
324 cases dealt with
37 bank accounts opened

11. Advantages and Challenges
Known location and familiarity
New clients who have not considered money advice
Referrals from knowledgeable loan officers
Assisting vulnerable clients with new bank accounts
Social work and support worker referrals
Clearly defining the routes of accessing service and who can be assisted
Ensuring CAB and Scotcash remain separate in customer’s view
The move online and reduction in footfall into the office and face to face referrals

12. Client M: 24 year old in full time employment
Client M: 24 year old in full time employment. Came to Scotcash to apply for a loan to pay off pay day loans with high interest. Cycle of high cost borrowing.
Assisted to set up new bank account and make affordable offers to some creditors as well as challenge two pay day lenders on FCA affordability criteria
Clients G and J: Pension aged couple with mobility issues. Longstanding Scotcash customer. One previously bankrupt. Had started to rely on a credit card due to unaffordable benefit repayment increase.
Provided evidence to reduce benefit repayment and maximised income enabling client to buy essentials and clear debts.
Client A: 21 year old in temporary accommodation with social work assistance. Referred for bank account as was using account that charged for all transactions and withdrawals.
Assisted in opening bank account and disputed council tax error. Continued support for permanent re-housing and budgeting.

13. Good Practice For clients: Data protection and sharing
Continuous development of service and partnership
Client’s right to choose
2. For staff
Clearly defined service areas and referral routes
Good understanding of all roles that interact
Regular contact for staff located elsewhere with line manager and employees

14. Benefits of Co-Location and CAB
Holistic Service provision widens assistance to customers and clients without need for further training
Wellbeing gains and financial gains
Responsible practice with access to social policy channels
Strong network of assistance, training and resources for updated service