Course Details






The Trades Hall of Glasgow, 85 Glassford Street, Glasgow, G1 1UH


FREE to Money Advice Scotland members

Outcomes / Benefits

  • Find out more about an imminent policy change
  • Make your voice heard to key decision makers


"A very well organised and facilitated day, drawing on the experience of the sector"

"I really enjoyed the sessions and it was a really valuable learning experience. It has really enhanced my understanding "

MAS members information event – persistent credit card debt


On 25 September 2018, Money Advice Scotland will hold an information event for members on the new rules on persistent credit card debt.

Course Description

This information event for members will provide an overview the new rules, as well as offering the opportunity for advisers to feed back to key decisionmakers on any early insights of the changes and the implications for debt advisers and their clients.  

We are delighted that Paul McCarron of UK Finance will present to members on the operational approach from credit card firms, with another speaker still to be confirmed.

The event is scheduled to run from 11:30 to 13:30, and close with lunch provided.


From September 2018, rules will take effect placing new obligations on credit card firms when it is identified that customers are in persistent debt.

The FCA estimate that more than 3m credit cardholders – with a total of 4m accounts – are in persistent credit card debt.

Persistent debt is defined as where, over a period of 18 months, a customer pays more in interest, fees and charges than they have repaid of the principal.

It is expected that the new rules will save billions of pounds for millions of customers, peaking at up to £1.3bn a year in lower interest charges.

However, there are clear implications for the advice sector in that up to 4m customers will be contacted and made aware of the availability of debt advice services.

At a time when money advice services in Scotland have experienced local authority funding cuts of 45% across two years, the changes will potentially bring more pressure on advice providers.

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Terms & Conditions


  • Confirmation of your application being successful in securing a place at the event will be sent to you by email approximately 10 days prior to the date of the event.
  • Money Advice Scotland cannot acknowledge receipt of all application forms, however if you wish to confirm that your application form has been received please contact a member of the Events Team on 0141 572 0237.
  • While Money Advice Scotland always endeavour to be as fair as possible in the allocation of training places, the final allocation of places will be at the discretion of Money Advice Scotland.

Cancellation Policy

  • Cancellations must be sent by email to Money Advice Scotland ( no later than five days prior to the date of the event where an admin fee of £20 will be charged.
  • Any changes to the original application will incur an admin fee of £20.
  • Money Advice Scotland reserves the right to cancel any course at any time in the event of low take up or any other valid reason.

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