Citizens Advice regularly responds to consultations using examples of CAB clients' problems. We use this evidence to campaign for changes in policies and services.
Debt and money problems have increased dramatically in recent years with debt being our largest enquiry area. Issues covered include consumer credit, debt collection, personal insolvency and debt enforcement including bailiffs.
24 October 2022
The government should use this review of insolvency as an opportunity to scrap upfront admin fees for DROs and bankruptcy, and curb IVA poor practice through stronger regulation.
05 August 2022
Citizens Advice welcomes the opportunity to respond to the government’s consultation on Statutory Debt Repayment Plans (SDRP). SDRPs will fill a notable gap in debt options by providing statutory protection from creditor action over the lifetime of a debt repayment plan. We are supportive of SDRP as a policy but we identify significant challenges in the current proposals that need to be addressed for it to fulfil its policy objectives. In our response we recommend changes to build in more payment flexibility, streamline administration and ensure the functions assigned to debt advisers within SDRP are appropriate to the role. We also recommend changes to the proposed treatment of Universal Credit advances and deductions, and an extension of the Breathing Space moratorium period.
06 April 2020
Citizens Advice response to the FCA consultation on financial relief due to coronavirus
23 October 2019
Citizens Advice response to the Insolvency Service call for evidence on Insolvency Practitioner regulation
22 March 2019
Citizens Advice response to FCA consultation on buy now pay later offers.
18 March 2019
The proposed remedies for the overdraft market will make overdrafts clearer, but more safeguards are needed for vulnerable consumers.
18 February 2019
Our call for evidence response to the Ministry of Justice which calls for the regulation of the bailiff industry
30 January 2019
Our consultation response to HM Treasury’s Breathing Space Scheme
18 January 2019
The proposed cap on rent-to-own products will be a beneficial remedy, but the details need to be strengthened if it is to mitigate the majority of detriment.
18 September 2018
The overdraft markets work badly for consumers, a lack of competition in the arranged overdraft market meaning consumers pay over the odds for the product.
18 September 2018
High-cost credit products can be useful, but used over an extended period of time they can lead to exorbitant costs for consumers.
13 July 2018
A total cost cap on rent-to-own items like washing machines and televisions could save consumers £276 (28%) per product, Citizens Advice has found.
15 February 2017
Citizens Advice has used research and internal data to provide input to the Financial Conduct Authority review into high-cost credit and the payday loan cap.
14 April 2016
Citizens Advice responds to the FCA consultation on a deadline for PPI complaints.
15 February 2016
Citizens Advice responds to the Money Advice Service business plan consultation 2016/17.
29 January 2016
Citizens Advice supports calls to improve regulation of claims management companies.
29 January 2016
Citizens Advice supports the Law Commission’s proposals to reform the outdated legislation relating to bills of sale.
22 December 2015
Citizens Advice’s joint response to the Government’s consultation on public financial guidance, and the Financial Advice Market Review
