
Vital help for those seeking a route out of crisis
Across the CAB network, advisers are acutely aware that a growing number of people need in-depth, intensive and inclusive support, uniquely tailored to their circumstances. So, for the past year, we have piloted Routes of out Crisis, a new model of advice for those in the most complex circumstances via a named adviser, and totally person-centred, flexible support.
The combination of the holistic nature of the service and encyclopaedic knowledge of advisers means that people's circumstances are not only prevented from worsening but actively support into something better.
For Amanda, knowing her adviser was there "to help her with absolutely anything" allowed her to exhale. Emergency supermarket vouchers and thorough benefits check gained her access to payments she was not aware she was entitled to. This not only enabled her to afford the essentials but provided a firm foundation to begin rebuilding her life. Transforming her situation from one where she feared her baby may be taken into care, to stability and applying for a college course.
As the project continues and we look to refine the support offered and ensure issues are tackled at root cause, three things are clear. Tailored and holistic support can really change people's lives, to upscale this model across the advice sector significant investment is required and systemic failures must be addressed at source to prevent as many as people from experiencing crisis in the first instance.
From social security systems to energy markets, structures are broken, corralling people down a path of poverty and injustice. Robbing people of their dignity and costing all of us. Advisers work in unimaginably difficult circumstances endeavouring to support people in even worse situations, while the funding for their service teeters on a knife edge. Change is needed. A reimagining of what could be.
Amanda has the opportunity to reimagine her and her baby's life. To start over, leaving behind crisis and desperation. Shouldn't we all have the chance to do that? In a just and compassionate society, we can work collectively to deliver this.
Emma Jackson is head of social justice at Citizens Advice Scotland

Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles


The Herald Scotland
4 hours ago
- The Herald Scotland
Good news on the fight to tackle scourge of council tax debt
Firstly, following years of campaigning by Citizens Advice Scotland, the Scottish Government is funding a national project, which we are leading. Local CABs are working hand in hand with their councils to develop policies and practices that will reduce the impact of council tax debt on people who are financially struggling, while helping council tax collection rates. This project is still in its early stages but already we're seeing some fantastic examples of collaborative working, for example to increase awareness of council tax discounts and to focus on ways of identifying people who need support before they explicitly ask for it. Secondly, the governments in the UK and Wales are consulting on reforming council tax collection processes. Positive proposals include more time to pay, more time for advice and support, provision of alternative payment arrangements, and avoiding excessive enforcement action. We have written, with the support of others, to the Scottish Government to urge them to join with the other nations of the UK to conduct a similar consultation and drive forward this kind of change. Allowing people more time to pay their arrears is perhaps the most important reform we would like to see. The debt recovery process is too quick and needs slowing, and a pause in the process is key to helping those who are struggling. This would allow people time to seek advice from agencies such as their local CAB to get budgeting help and income maximisation support so they're in a better position to meet some, if not all, of the arrears. This would benefit the council too, as it will get council tax income it may not otherwise have received while reducing the costs of recovering the arrears. As I say, it is hugely promising to see to see momentum and movement in the right direction on this issue. And it's real proof that our type of rational, compassionate evidenced-based advocacy can get results that will make a real difference to peoples' lives. There is growing support across civic Scotland for a fairer system of council tax collection, one which puts a clearer emphasis on helping those in arrears but who are willing to pay, while balancing the needs of councils to collect their income. With the Holyrood election less than a year away, we – along with other charities – will be aiming to make sure that tackling council tax debt, and public sector debt more widely, is on the agenda of party manifestos and campaigns. Watch this space. Myles Fitt is head of the Financial Health team at Citizens Advice Scotland


The Herald Scotland
26-07-2025
- The Herald Scotland
Vital help for those seeking a route out of crisis
Amanda needed to access temporary accommodation after a relationship breakdown. Things were extremely difficult for her and her baby, with no money for the everyday essentials they both needed, taking a huge toll on Amanda's wellbeing. Fearful of being judged for the situation she was facing, Amanda agonised with reaching out for help, until a trusted voice recommended her local CAB and she was able to access the Routes out of Crisis project. Across the CAB network, advisers are acutely aware that a growing number of people need in-depth, intensive and inclusive support, uniquely tailored to their circumstances. So, for the past year, we have piloted Routes of out Crisis, a new model of advice for those in the most complex circumstances via a named adviser, and totally person-centred, flexible support. The combination of the holistic nature of the service and encyclopaedic knowledge of advisers means that people's circumstances are not only prevented from worsening but actively support into something better. For Amanda, knowing her adviser was there "to help her with absolutely anything" allowed her to exhale. Emergency supermarket vouchers and thorough benefits check gained her access to payments she was not aware she was entitled to. This not only enabled her to afford the essentials but provided a firm foundation to begin rebuilding her life. Transforming her situation from one where she feared her baby may be taken into care, to stability and applying for a college course. As the project continues and we look to refine the support offered and ensure issues are tackled at root cause, three things are clear. Tailored and holistic support can really change people's lives, to upscale this model across the advice sector significant investment is required and systemic failures must be addressed at source to prevent as many as people from experiencing crisis in the first instance. From social security systems to energy markets, structures are broken, corralling people down a path of poverty and injustice. Robbing people of their dignity and costing all of us. Advisers work in unimaginably difficult circumstances endeavouring to support people in even worse situations, while the funding for their service teeters on a knife edge. Change is needed. A reimagining of what could be. Amanda has the opportunity to reimagine her and her baby's life. To start over, leaving behind crisis and desperation. Shouldn't we all have the chance to do that? In a just and compassionate society, we can work collectively to deliver this. Emma Jackson is head of social justice at Citizens Advice Scotland


Daily Mail
19-07-2025
- Daily Mail
New laws set to protect penalty rates and overtime pay for millions of Aussie workers
Australian workers who rely on award wages would have their rights to penalty rates and overtime pay protected under one of the new federal parliament's first bills. The legislation would prohibit award-earning employees from accepting penalty rate reductions in exchange for a higher base rate of pay if it would leave them worse off. New employment minister Amanda Rishworth earmarked the bill in Canberra on Saturday as the first off the rank for the returning Labor government. If passed, it will amend the Fair Work Act to provide stronger protections for the roughly 2.6million people whose pay is set by an award. An award is a legally mandated minimum rate of pay for workers within certain industries or occupations. People covered by awards are more likely to work on a part-time or casual basis and be women or under 35 years of age. In justifying the legislation, Rishworth said there were cases before the Fair Work Commission she feared could reduce worker's overall pay. 'What's become clear is there is a number of cases on foot which are trying to roll in penalty rates or reduce penalty rates in an unfair way,' she said. 'And so, what's become clear is that we need added legal protection to make sure penalty rates and overtime are protected in our award system.' She appeared alongside retail workers who said penalty rates were a crucial component of their overall pay packages. Retail worker Liarne said she earned about $6.35 an hour in penalty rates, about $7,500 over the course of a year. 'That's really important because it helps me pay for rent, groceries, school fees and the care of my animals, which I love dearly,' she said. 'Penalty rates are really important.' Another retail worker, Daniel, said his penalty rate earnings - about $85 per week - allowed him to foot the bill for necessities and lifestyle expenses. 'Generally, I find living on six to $700 a week is a struggle, whether you've got a partner to rely on or not,' he said. 'Penalty rates honestly makes a huge difference, and without it, I'd have to work more. See my family less, see my dog less, see my friends less. 'Just not go to the movies, not ever have a holiday. It's a myriad of things that would affect me.' Rishworth said employers in the retail, clerical and banking sectors had applied to the Fair Work Commission to 'trade away' penalty rates of lower-paid workers. The announcement could add to the grievances likely to be aired by business groups at the productivity summit to be hosted at Parliament House in August. Australian Industry Group chief executive Innes Willox told the A ustralian Financial Review there was a 'dark irony' in Labor's attempts to fast-track the bill at a time when productivity talks loomed. Despite ongoing efforts to negotiate with the government over the proposed reforms, Mr Willox said there was 'obvious concern that it could further reduce workplace flexibility, especially at a time when we are already seeing rising national unemployment and the private sector clearly in job-shedding mode'. Labor will only need support from the Greens to secure a majority for the bill which it expects to sail through parliament soon after it resumes on Tuesday.