1. Members’ Meeting 10 th September 2014

2. Agenda 10.00am Welcome and introductions followed by a Fincan Update 10.20 amThe Key – Abbie Foster 11.00amComfort Break 11.10amDWP Update – Eileen Burditt 11.40amFinancial Inclusion Project Planning Workshop 12.20pmPlan B Partnership – Lucy Haughey 1.00pmClose and lunch

3. Fincan Update Alison Baxter and Paul Hillier

10. The Key – Unlock Your Potential Hannah Underwood and Abbie Foster

12. Key Messages Connecting personal development to financial wellbeing Building skills and confidence in youth practitioners Provide practical real life learning opportunities

13. The Key Programme

16. Our Stories… Way Up North Tec Crew

17. Working Together: Fincan

18. Coming up…

19. Future Plans

21. Break

22. Department for Work and Pension Eileen Billett

23. Child maintenance and Help and Support for Separated Families May 2014

24. 24 Department for Work & Pensions Welcome You work with all sorts of separated families and lone parents They turn to you as a trusted source of information and advice on a range of issues Many could benefit from information about child maintenance and the support available We would like to: –Update you on the key changes to child maintenance and what to do if a client approaches you about their CSA case closing or they have received notification of charging –Highlight the new Help and Support for Separated Families initiative –Explain how Child Maintenance Options can help your clients –help you to promote the benefits of effective child maintenance arrangements to separated families

25. 25 Department for Work & Pensions Child maintenance reform and the statutory child maintenance system

26. 26 Department for Work & Pensions New Child Maintenance Service The new Child Maintenance Service (CMS) –Improved supporting IT –Quicker processing of applications –Income data from HMRC –Better client service –‘Charging’ nudge so parents collaborate and avoid CMS if possible –‘Gateway’ conversation to ensure parents are aware of available support CMS is now open to all new clients Charging is due to be introduced Summer 2014 Closure of all CSA cases over three year period – from 2014

27. 27 Department for Work & Pensions Key features Gateway Parents wishing to apply to the Child Maintenance Service will first have to discuss their maintenance choices before accessing the new 2012 scheme Child Maintenance Options will provide the ‘gateway’ conversation – victims of DV will be fast-tracked if required Charging A £20 application fee (non refundable) Parents 18 and under and victims of DV will be exempt from application fee Ongoing collection fees for using the Collect and Pay service. 20% fee for paying parents and 4% fee for receiving parents A range of enforcement charges Also applies to existing 2012 clients

28. 28 Department for Work & Pensions Key features Direct Pay Either parent will be able to request Direct Pay service type – avoiding collection fees except paying parents where there is reason to believe they may be unlikely to pay Safeguards and guidance for parents who are victims of domestic violence Enforcement Introduction of charges to influence the behaviour of paying parents and provide an incentive for them to pay maintenance in full and on time Case closure Once the Child Maintenance Service is opened to all new applicants, the process of closing all existing Child Support Agency cases will begin This process will take around three years Flat rate child maintenance The maintenance rate for paying parents (£7) will also be subject to collection fees where direct pay is not used

29. Charging

30. 30 Department for Work & Pensions Fees and charges – a recap £20 application fee payable by the parent who applies (with some exceptions) Collection fees (20% and 4%) for parents using the Collect & Pay service A range of enforcement charges proportional to the action being taken Parents can avoid collection fees by choosing the Direct Pay service (or, where possible, a family-based arrangement) –Receiving parents can always choose Direct Pay –Paying parents cannot choose Direct Pay where there is evidence that suggests they may be ‘unlikely to pay’ and the receiving parent would prefer Collect & Pay –All paying parents will have an opportunity to prove over time that they are not ‘unlikely to pay’

31. 31 Department for Work & Pensions Introducing fees and charges to Child Maintenance Service clients – our objectives Provide consistent, accurate information wherever clients turn for information Promote working together Re-establish compliance Minimise service impact

32. 32 Department for Work & Pensions Introducing fees and charges to Child Maintenance Service clients – key messages for clients Paying parents Choose Direct Pay to avoid collection fees If you don’t pay on time and in full: – you won’t be able to choose Direct Pay –the receiving parent is unlikely to choose Direct Pay, and –you may face enforcement charges. Receiving parents You can choose Direct Pay safely to avoid collection fees There are safeguards in place to enforce payments If you want Collect & Pay and the paying parent is considered ‘unlikely to pay’: –you will pay a small contribution to the running costs of managing your payments –this includes enforcing any missed payments.

33. 33 Department for Work & Pensions Introducing fees and charges – customer journey for existing Child Maintenance Service clients “Notice of charging” New Payment Plan Annual review? Move to Direct Pay – no collection fees Minimum 6 months full payment history to prove compliance Safeguards “Unlikely to Pay” check Ability to move cases immediately to Collect & Pay and enforce payment Guidance on staying safe for victims of domestic violence and abuse Pay any arrears in full to prove compliance Move to Direct Pay – some collection fees Collection fees start Enforcement charges start 5-6 weeks

34. 34 Department for Work & Pensions Introducing fees and charges – communications summary ‘Warm-up’ mailings promoting Direct Pay and/or the need for compliance for parents in cases where: –The paying parent is paying in full, or –They have missed payments but not yet reached enforcement ‘Notice of charging’ letters for all parents with 2012 scheme cases –Explaining all fees and charges –Offering parents with arrears a chance to pay all the child maintenance they owe and choose Direct Pay before collection fees start –Including a reply form for those most likely to want or be able to choose Direct Pay Revised payment plans to all parents 5-6 weeks after Notice of Charging Outbound calling to parents who may get two conflicting payment schedules following on from each other SMS reminder to parents most likely to want or be able to choose Direct Pay Updates to gov.uk and cmoptions.org

35. 35 Department for Work & Pensions Introducing fees and charges – supplementary communications timeline

36. Case Closure

37. 37 Department for Work & Pensions Changes affecting Child Support Agency (CSA) During 2014, the CSA will begin the process of ending all CSA child maintenance arrangements. At some time between then and 2017, clients will be contacted and given 6 months’ notice to put a new child maintenance arrangement in place before liability ends. Clients will be offered information and support about their options from Child Maintenance Options, a free information and guidance service. Clients will be strongly encouraged to put a new child maintenance arrangement in place. When clients are selected to go into the case closure journey they will receive a series of letters over a 6 month period. Letters will make clear that clients must continue to pay until their CSA liability has ended. First segment will be ‘nil assessed’

38. 38 Department for Work & Pensions The client experience - awareness Clients may become aware that their CSA arrangements will end before they receive any letters about it from the CSA. They may become aware through: –seeing awareness-raising adverts placed by DWP in the press or online – there will be a regional trial in June followed by a national campaign in Autumn. –hearing adverts placed by DWP on commercial radio –seeing press coverage of the changes –information provided by partner and stakeholder organisations –word of mouth from other affected clients –gov.uk or cmoptions.org websites. DWP communications aim to ensure that clients receive consistent and accurate information about how they will be affected by the changes.

39. 39 Department for Work & Pensions Media creatives

40. 40 Department for Work & Pensions The client experience - letters Clients will be sent the first letter letting them know that their arrangement will end 200 days before the arrangement ends. This letter will be sent to both parents. The letter will explain to clients that: –their current CSA arrangement will end and the date that this will happen –their arrangement will continue to be managed as usual until then and non-resident parents must continue to pay –any arrears will continue to be owed. Clients will be strongly encouraged to make a new child maintenance arrangement and directed to the Child Maintenance Options service for help and support in doing this.

41. 41 Department for Work & Pensions The client experience - letters Both parents will receive a second letter 30 days before their CSA arrangement ends. This letter will: –confirm the date on which their arrangement will end –remind non-resident parents that they must continue to pay until this date –encourage parents to contact Child Maintenance Options for help in putting a new arrangement in place. Both parents will receive 2 further letters on the day that their CSA arrangement ends. –one will confirm that their arrangement has ended, meaning that the non-resident parent will no longer owe ongoing child maintenance on CSA schemes –the other will confirm how much the non-resident parent will need to pay towards the arrears as these will remain payable to the CSA at this stage.

42. 42 Department for Work & Pensions The client experience - letters After the CSA arrangement has ended the CSA will calculate the final arrears balance. Parents with care with arrears owed to them will be sent a letter confirming the final arrears balance and offering them the chance to write off these arrears if they no longer want them. Arrears will only be written off if parents with care actively request that they are. Any arrears remaining will be moved to the Child Maintenance Service.

43. 43 Department for Work & Pensions The client experience – making a new arrangement After clients receive their first letter they may seek support from Child Maintenance Options for help putting a new arrangement in place. Child Maintenance Options will explain the types of arrangements that clients can make. Clients can: –make an arrangement between each other – a family based arrangement –make an application to the Child Maintenance Service. For most clients there will be a £20 fee to make an application. If clients apply to the Child Maintenance Service: –they will not have to pay further fees if they can make payments between each other – this is known as Direct Pay –if parents cannot make payments on their own the Child Maintenance Service can do this. The fee for this service is a 20% charge for paying parents (non-resident parents) on top of maintenance payment and a 4% charge for receiving parents (parents with care) deducted from payments collected. This is known as the Collect and Pay service.

44. Help and Support For Separated Families

45. 45 Department for Work & Pensions Help and Support for Separated Families Using existing expert services … For families & couples facing relationship breakdown Designed to encourage more parents to collaborate and access the help and support available to work out what’s best for the children Includes: –Web app (sortingoutseparation.org.uk) –HSSF mark –Telephone support –Innovation Fund

46. 46 Department for Work & Pensions Digital Innovation Fund Projects What Next? (Relate Ltd: England, Scotland and Wales) –free online guide for separating and separated parents. –full of advice and practical exercises written by counsellors at Relate to help parents work together in the best interests of their children. –Includes tools that create a personal list of next steps and content can be saved to come back to as you need it. –Counselling support through live chat is also available. Further Information Visitwhatnext.relate.org.uk EmailVia website

47. 47 Department for Work & Pensions Digital Innovation Fund Projects Splitting Up? Put Kids First (One Plus One) –free online support tool that helps separating parents to create a Parenting Plan online –Helps parents learn the skills they need to make the parenting plan it work for you both parents. –Service is interactive with virtual coaching through video based tutorials –‘Homestart’ provide face to face support for using the online tool in Kent, Lincolnshire, Angus, Stirlingshire, Wrexham, Conwy Further Information Visithttp://www.splittingup-putkidsfirst.org.uk EmailVia website

48. 48 Department for Work & Pensions Local Innovation Fund Projects Mediation Now (Portsmouth and South Hampshire) –initiative provides separating/separated parents with specific support in communication and conflict management skills –delivered through a series of four sessions –aim is to teach parents strategies to manage all issues relating to the children without recourse to the court or the Child Maintenance Service Further Information Visithttp://www.mediation-now.co.uk Emailinfo@mediation-now.co.uk Call02392 481183

49. 49 Department for Work & Pensions Local Innovation Fund Projects Families Together (Pinnacle People: Bristol) –12 week programme of activities and interventions engaging both parents and their children –Co-located with Windmill City Farm where some activities take place –Includes a participate in a programme of ‘family familiar’ activities which will involve practical and ‘non legal’ approaches to encourage parents to communication and collaborate. –Includes practical cookery classes and homework club Further Information Visithttp://www.pinnaclepeople.co.uk Emailcontact@pinnaclepeople.co.uk Call0800 088 4000

50. 50 Department for Work & Pensions Local Innovation Fund Projects Separated Parents’ Support Project (Resolve Cymru: Powys, Wales). –aimed at parents that cannot or are fearful of engaging with their ex- partner. –mentoring and counselling are provided to parents to encourage parents to work together –also includes parenting apart classes for those who require it Further Information Visitwww.resolvecymru.org.uk Emailinfo@resolve.org.uk Call01597 825123

51. 51 Department for Work & Pensions Local Innovation Fund Projects Shuttle Mediation (National Family Mediation: Berkshire, Herefordshire and West Yorkshire) –court based project –aimed at long-term separated parents who have remained in dispute through the family courts –offerings shuttle mediation Further Information Visitwww.nfm.org.uk EmailVia website Call0300 4000 636

52. 52 Department for Work & Pensions Local Innovation Fund Projects Moving Forward Lincolnshire (Sills and Butterage LLP: Lincolnshire and Gainsborough) –a behavioural change programme that assists the parents in the transition from parenting together to parenting apart. –helps parents to address practical, legal, economic and community issues such as the parties making robust arrangements for contact (inc grandparental contact), child maintenance, accommodation, debt and relations with schools and other third parties –includes group workshops, one to one session and mediation Further Information Visitwww.movingforwardlincs.co.uk Emailellie@movingforwardlincs.co.uk Call01522 304 567

53. 53 Department for Work & Pensions Local Innovation Fund Projects Changing Futures NE (Tees Valley (Hartlepool, Redcar, Stockton & Billingham, Darlington). –Aimed at long-term separated parents –service that aims to help parents deal with the impact of separation and help parents ensure that children aren't badly affected by the separation over the longer term. –Work takes place over an average of 12 weeks. –Help is available to address practical issues and to implement any plans that parents agree on. Further Information Visithttp://www.changingfuturesne.co.uk EmailSee website Call01429 891444

54. 54 Department for Work & Pensions Local Innovation Fund Projects Family Decision Making Service (CHILDREN 1st: All Scotland) –service combines three organisations expertise (Children 1st, One Parent Families Scotland, Scottish Child Law Centre Scotland) –aim is to offer a seamless Scotland-wide online, phone and face to face service for separated and separating parents which places the interests of the children at the heart of the decisions about contact, maintenance and on-going decision-making. –CHILDREN 1ST’s national help-line (Parentline Scotland) is the main point of access for the service –Capacity has been developed to support seamless Inter-agency referrals for the parent(s) or family between the partners. Further Information Visithttp://www.children1st.org.uk Emailparentlinescotland@children1st.org.uk Call08000 28 22 33

55. 55 Department for Work & Pensions Local Innovation Fund Projects Listening to Children Matters (Family Matters Mediate: Doncaster, Wakefield, Retford, Worksop, Grimsby, Scunthorpe and Gainsborough) –aimed at long-term separated parents who continue to have problems agreeing about their children. –intervention is based on a child consultation meeting –aim is to help parents reach agreements through listening to their children views and understanding their perspective Further Information Visitwww.l2cmatters.co.uk Emailadmin@l2cmatters.co.uk Call03300 881640

56. 56 Department for Work & Pensions Local Innovation Fund Projects Parents in Dispute (Tavistock Centre for Couple Relationships: London) –offers free therapeutic based counselling and group work for long- term separated parents who are currently or have previously been in the court process and are unable to resolve differences about their children. –Offers 6 to 12 sessions with a therapist –Aim is to help parents reduce family conflict so that children can thrive now and in the future Further Information Visitwww.tccr.org.uk Emailparentsindispute@tccr.org.uk Call0207 380 1950

57. 57 Department for Work & Pensions Local Innovation Fund Projects National Association of Child Contact Centres (Clusters in S.W. London & Home Counties, South, West, East Midlands, North) –Aimed at parents whose conflict is so entrenched that the non- resident parent is required to see his/her child on neutral ground at a supported child contact centre. –Includes an new online screening process that enables parents to self-refer. Further Information Visithttp://www.naccc.org.uk/ EmailVia website Call0845 4500 280

58. 58 Department for Work & Pensions Local Innovation Fund Projects Volunteer-led based Befriending Service (Family Lives: Gloucester, Leicester, Waltham Forest). –volunteer-led based befriending service aimed Separated and separating parents. –In Waltham Forest and Leicester, Family Lives are working with an Islamic relationship support organisation (Barefoot Institute) to target the Muslim community. Further Information Visitwww.familylives.org.uk EmailGloucester - admin- glos@familylives.org.ukadmin- glos@familylives.org.uk CallGloucester - 01453 768 160 Leicester - tbc Waltham Forest - 01707 630100.

59. 59 Department for Work & Pensions Local Innovation Fund Projects Specialist Family Support Project (Malachi: Birmingham and West Midlands). –project targets separated and separating parents of children attending schools in Birmingham where Malachi provide family intervention services. –The project will involve working therapeutically on a one to one basis with the non-resident parent. Further Information Visitwww.malachi.org.uk Emailhttp://www.malachi.org.uk/familysupport Call0121 441 4556

60. 60 Department for Work & Pensions Local Innovation Fund Projects Working Together for Children (Howells LLP: Barnsley, Rotherham and Doncaster) –face-to-face project targeting separating and separated parents –targeted at people with a gross income of less than £45k –works with both parents (initially through a lead parent) – aims to provide a ‘one stop shop’ across the full range of issues that separating parents face to encourage collaboration and avoid court –Offers single/joint mediation and counseling sessions. Further Information Visitwww.howellsllp.com Emailfamily@howellsllfamily@howellsllp.com.com

61. 61 Department for Work & Pensions Local Innovation Fund Projects Supporting Separated Teenage Parents (Spurgeons: West Midlands and Warwickshire). –a face-to-face project targeting teenage parents and their families (including the child’s grandparents). –offers a bespoke service including help establishing parenting agreements and provision of guidance on good parenting –Aim is to improve future outcomes for both parents and children and reduce reliance on state services in the long term. –Signposting to additional support services is provided in relation to housing, health etc. The project has an objective Further Information Visitwww.spurgoens.org Emailteenageparents@spurgeons.org Call01902877559

62. 62 Department for Work & Pensions Local Innovation Fund Projects Family Matters (Resolution: Oxford, Crewe and East Cheshire and Newcastle-upon-Tyne) –face-to-face project providing separating/separated parents with the help and guidance they need to make their own arrangements. –target audience is primarily those on a low income who no longer quality for legal aid. –trained Mentors work with parents/families to identify the practical and emotional issues faced during separation and possible solutions, or sources of support required to resolve them. –aim is to agree either an informal or formal parenting agreement Further Information Visitwww.resolution.org.uk/familymatters Emailfamilymatters.crewe@resolution.org.uk familymatters.newcastle@resolution.org.uk familymatters.oxford@resolution.org.uk CallCrewe: 01270 259730; Newcastle: 0191 2302138 Oxford: 01865 406030

63. 63 Department for Work & Pensions Child Maintenance Options Provides free impartial information, guidance and support to parents as well as family, friends and trusted professionals to make the most effective arrangements for them and their children Available over the phone, via a website or face-to-face together with Live Chat facility for real-time online support Helps parents overcome barriers to working together (such as housing, employment, legal issues and money) Signposts customers to other support services Is the ‘gateway’ to the Child Maintenance Service

64. What can you do?

65. 65 Department for Work & Pensions How can you help? Spot people who may need information on child maintenance and wider separation issues or who may be effected by charging or case closure Engage with parents on the benefits of child maintenance and tell parents how important it can be for their children Signpost clients with wider separation issues to the sorting out separation web app and/or innovation fund project (where relevant) Refer parents to Child Maintenance Options – it is the first port of call for anyone with an enquiry about child maintenance

66. Workshop Project Planning

67. Lucy Haughey- The Plan B Partnership Financial Inclusion Social Enterprise

68. The Plan B whistle-stop tour…. Who we are How we are constituted & structured What projects & services we offer Some of our clients & referrers Questions & comments

69. Who are The Plan B partnership? A Financial Inclusion Social enterprise delivering: Information, Guidance & Advice Solutions mapping & plans Training & workshops Speakers & media work Research & project design

70. Our shape Audited & accredited Social Enterprise Est July 2010 80% of profit in social good- 20% reserves £50,000.00 turnover p/y- no core funding. 2 Coordinators: 1 Director & 1 in triage 9 regulated freelance experts, 2 sessional workers. Mainly third & public sector as well as private individual clients ( sample list to follow)

71. How do we trade? Income comes in via charging for 70% of our Training & workshops Research & consultancy Financial advice & planning ( discounted) Pensions services ( workplace auto-enrolment) Debt case prep & advocacy Info services: E.g Media work, fact sheets & web content We also get commission on plans e.g insurances & do PPI claims for people no win no fee.

72. Services Plan B’s general money advice: Focused on basic financial services & debts The Tea Service- Financial Inclusion for people 50+, carers & adults with disabilities The Help2Buy Service: Mortgage & re-mortgage info, advice & planning for home ownership for vulnerable people MoneyMoon Service & The Newly Single Money Mediation Service Plan B Training, Learning & Project Design Consultancy: Bespoke financial education & research for education based projects Future Proofing Service: Business financial advice & planning for trading entities of all sizes and status Media work

73. Some past & present client organisations Capability Scotland- D&G base Carers week for Carers UK Housing Options Scotland Housing & Support Alliance ANCHO Housing Association Fife Council & FHN Fairfield Housing Association EVH-Employers in Voluntary Housing East Ayrshire North Community Fed Glasgow City Council- Housing Options Govanhill Housing Association Fife DPHS Glasgow Centre for Inclusive Living East Dunbartonshire Voluntary Action Glasgow Council on Alcohol Glasgow Council for Voluntary Orgs Lennox Partnership & Remploy

74. Questions? www.theplanbpartnership.co.uk @Plans4Charities & @PlanBPartners Lucy@theplanbpartnership.co.uk Lucy@theplanbpartnership.co.uk 0141 237 3895 & 07887551466

75. Close