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The Scottish Executive is committed to
promoting ‘Financial Inclusion’ – what does that mean?
Most of us use credit cards and direct debits as
convenient ways of paying for goods and services. Yet there are
still people who are excluded from using these services. 11% of
Scots do
not have a bank account. They may be unable
to borrow at a fair rate, save for necessities and make
provision for their future.
The Council supports people on low incomes
through Welfare Rights and Debt Advice; and through voluntary
agencies like the Citizens Advice Service and the 1st Alliance
Credit Union. Now with £600,000 extra funding from the Scottish
Executive there are new services available for financially
excluded individuals throughout North Ayrshire. |
Geraldine Johnstone
Aftercare Advisor |
Within these new services available there is a Financial
Inclusion Debt Advice Aftercare service, where Geraldine Johnstone is
employed. Geraldine is based within ANCHO, Sovereign House and is keen
to receive referrals from members of staff who come across anyone in
North Ayrshire they feel could benefit from the following services that
she can offer.
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Budgeting, prioritising debts e.g. gas, electricity,
council tax, rent, etc. and avoiding legal action.
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Assistance with debt repayment arrangements and
maintaining/restoring arrangements.
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Help with the preparation of a financial statement to
assess disposable income to encourage minimum payments towards
debts.
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Alternatives to door-step credit and an introduction
to the Credit Union, including low interest loans and savings plans.
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Referral for specialist advice and debt management,
if appropriate.
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Assistance in accessing basic financial products e.g.
bank accounts, savings, insurance etc.
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Assessment of energy supply and assistance in paying
by direct debit and change of supply if necessary and help with form
filling for benefits and grants.
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