New MaPS contract targets remain unachievable unless we work for free

Details are coming through about the revised Money & Pensions Service contracts from 1st April 2022 to 31st January 2023, and it’s not good.

News from our members in local Citizens Advice offices says targets have been set at 277 clients per FTE. This is only 2% lower than last year, despite all the evidence that the previous annual targets were impossible. The debt advice peer assessment (DAPA) quality regime is thankfully gone, but so far there is no sign of concessions on the waste-of-time 30+ page confirmation of advice (COA) letters.

We are awaiting updates on the situation from workers in other MaPS-funded agencies.

Incredibly, we’re hearing that some local Citizens Advice are insisting advisers must take on 10 new cases per week. But meeting the 277 target, including holidays, would mean around 8 a week, so why 10? And advisers are being told they need to make up missed numbers if they’re off sick – which a lot of them will be with the stress this is going to cause.

IMA research last October found MaPS-funded local CA advisers needed 5h 15m per new client for advice, notes and COA letter.  Multiplied by 10 cases, that’s over 52 hours a week, and that’s before any ongoing casework. The same IMA research showed MaPS-funded debt advisers were already working an average of 6 hours a week unpaid overtime.

This target is impossible, especially as we are faced with increasingly complex cases and more clients who simply cannot afford the basics of life.

This puts advisers in a position of:

a) rushing through cases to hit targets and providing a poor service,

b) working 15+ hours a week for free to keep up with workloads, or

c) sticking to what they can manage in their contracted hours and getting penalised by employers.

This completely flies in the face of HSE guidance on workplace stress: “the organisation provides employees with adequate and achievable demands in relation to the agreed hours of work”. We remind these employers that they have a legal duty to protect employees from stress, do a risk assessment and act on it.

We’ve lost so many good debt advisers since this recommissioning mess started. Research in December found that 29% of debt advisers had left, or were in the process of leaving, their jobs. More are now talking about leaving after the announcement of these targets, just at a point when skilled advisers will be needed more than ever.

We’re not working for free to keep up with unachievable targets, and if employers and lead organisations persist with this, our members will respond appropriately.

#SaveDebtAdvice #MaPSMustChange

Unite Debt Advice Network responds to the Money & Pensions Service report ‘Access to debt advice during Covid-19’

Unite Debt Advice Network (UDAN) welcomes the publication of the Money & Pensions Service (MaPS) research into debt advice service provision during the pandemic.

This recognises some of the difficulties our members faced as their services had to adjust overnight to remote working from March 2020.

The disruption caused by MaPS failed recommissioning process in late 2021 has resulted in experienced advisers leaving the sector and services temporarily grinding to a halt. Debt advice services need to rebuild and expand urgently as we enter the worst financial crisis in a generation, and our members’ skills and expertise will be needed now more than ever.

Debt advice services must be shaped by the people who understand the job – the dedicated advisers who spend every working day doing the job. Reaching those in the most need of help means strong, well-funded services rooted in local communities. Keeping those services running means giving debt advice workers long-term secure contracts, decent pay and conditions, manageable workloads and professional respect.

This week, Unite Debt Advice Network published a joint statement with Advice UK and grassroots campaigners We Are Debt Advisers, calling on MaPS to engage with frontline debt advice workers, trade unions and other sector stakeholders to ensure this happens.

We remain concerned that the experiences and opinions of all debt advice clients have not been heard, and we urge MaPS to conduct further research with those who have been excluded from services by the reduced availability of face-to-face provision.

The future of debt advice is mixed delivery, and clients must be able to contact services in a way that works for them – including safe face-to-face services if they want it. Centralising debt advice into remote call centres and webchat must not be at the expense of community-based services which support the most vulnerable clients with local expertise and connections. The future of debt advice must place these local services at the centre, co-commissioning on a local basis with councils, health services and the wider voluntary sector.  

We welcome MaPS recent engagement with UDAN, and we will continue to represent the voices of our members in shaping the future of debt advice.   

Building a debt advice sector which is fit to cope with the coming crisis is only possible if the experience and expertise of frontline debt advice workers is listened to, and acted on.

The cost of living crisis

As we face the worst financial crisis in a generation, a UDAN member gives the view from the frontline of debt advice.

There has been a lot in the news recently about the cost of living crisis that is impacting on many thousands of people currently in the UK. Against the backdrop of Brexit, the Coronavirus Pandemic, wage stagnation, the war in Ukraine and increasing inflation. Consumer prices, as measured by the Consumer Prices Index (CPI), were 5.5% higher in January 2022 than a year before. A particularly important driver of inflation is energy prices, with household energy tariffs increasing and petrol costs going up. Things are going to get worse for a significant number of people in the country in the coming weeks. Particularly with increased energy costs and incomes being squeezed further from next month.

A recent report by the Resolution Foundation[1] estimates an increase of inflation to 8% across 2022/23. And part of the impact on living standards can be directly attributed to the policy of increasing benefits with a lagged measure of inflation: in 2022-23, this will cut the real value of the income provided by the benefits system by £10 billion.

For advisers and caseworkers employed at the frontline in the Money Advice sector we expect to see a massive increase in demand for our already stretched services. A cornerstone of how we deliver advice to clients is in face-to-face (F2F) community-based settings. And having a presence in locations across the country is vital for sections of the community who cannot access digital platforms to help resolve their issues. Whether it be due to mental health, language, literacy problems or the fact, the client just feels more comfortable talking to another person who can assuage their fears and provide appropriate options in person. Advisers on the ground know their client base, they also have invaluable contacts to local organisations, such as enforcement team within local council tax offices, what foodbanks operate locally and when. This wealth of local provision helps protect some of the most vulnerable in society on a daily basis. And in many cases mitigates situations escalating for clients, and causing further anguish and stress.

The reality for many will be to ‘eat or heat’ as their incomes become ever more stretched, caught between the anvil of the cost of living crisis and the hammer of austerity. And let’s be clear, austerity was never an economic inevitability, it was a political choice. The proliferation of foodbanks across the country has become normalised, and people accessing them to be able to feed themselves and their families is now an accepted everyday occurrence. All this, in a G7 country – an advanced economy, where some in society are advancing financially while significant proportions of the population have been treading water, and will now be sinking at faster rate than ever before. Billionaires use space travel as their latest vanity projects, while vulnerable people skip meals and impinge on their thermal comfort in an attempt to make ends meets.

The Chancellor’s spring statement this week, has done nothing more than offer a sticking plaster to a battlefield wound. It will still be everyday people who bear the biggest burden of the current cost of living crisis. The wealth inequality within our country grows further with every passing year, UDAN members witness this on a daily basis as they help people to navigate their debt problems. Real incomes are going to be squeezed more and more, and the Government should have taken the necessary steps to alleviate the financial pressures people are faced with to ameliorate the impending catastrophe while there was the opportunity to do so.


MaPS MUST ENGAGE WITH DEBT ADVISERS: UDAN joins forces with Advice UK and We Are Debt Advisers in a new campaign

Today, Unite Debt Advice Network (UDAN) calls on the Money & Pensions Service (MaPS) to properly engage with frontline debt advice workers.

UDAN has joined forces with Advice UK and We Are Debt Advisers, and today publishes a list of campaign demands aimed at building a debt advice sector which is sustainable, provides high-quality advice to everyone who needs it, and treats workers fairly.

This follows our successful campaign in December to halt the devastating 50% cuts to community-based services which MaPS tried to impose from this April.

The disruption caused by MaPS failed recommissioning process last year has resulted in experienced advisers leaving the sector and services temporarily grinding to a halt. Debt advice needs to rebuild quickly as we face the worst financial crisis in a generation, and we will be needed now more than ever.

Debt advice services must be shaped by the people who understand the job – the dedicated advisers who spend every working day doing the job. We know that reaching those in the most need of help means strong, well-funded services rooted in local communities. Keeping those services running means giving debt advice workers long-term secure contracts, decent pay and conditions, manageable workloads and professional respect.

We are ready to negotiate. MaPS, the ball is in your court.

We invite other debt advice organisations and trade unions to join our campaign.

Contact us for further details

Read the campaign demands

Join Unite

UDAN statement on the cancellation of service cuts and next steps required from the Money & Pensions Service

Unite Debt Advice Network (UDAN) welcomes the Money & Pensions Service (MaPS) announcement on 17 December that it is suspending the proposed Lot 2 regional contracts.

This follows a campaign by organised debt advice workers which has rapidly gained the support of MPs and debt advice bodies including Advice UK, Institute of Money Advisers and Money & Mental Health Policy Institute.

MaPS has stated that:

The three national contracts, the three DRO hubs and the business debt advice contracts start dates have moved from 1 April to 1 July 2022 “to ensure there is adequate time for mobilisation”

Organisations currently funded to provide face-to-face advice will be offered a three-month extension (i.e. to end of June 2022), with the “intention” to put in place grant funding “for a minimum” of 12 months (i.e. to end of June 2023 at least)

This leaves major questions over the funding of face-to-face services until June 2023. If the recommissioned contracts total £77m in value, and the other Lots proceed as planned, this would not leave enough funds to maintain community-based face-to-face services at their current level.    

This means either a) new funding will need to be sourced to maintain regional services at their current level, or b) the extension for Lot 2 regional contracts will be funded at a lower level.

Furthermore, an offer to extend funding by only 15 months does not provide the certainty for organisations required to retain staff and plan services effectively.

It is vital that funding for community based, face-to-face debt advice continues for the next 15 months at its current level whilst appropriate consultations are undertaken to establish what is needed longer term. It is essential that MaPS spell out immediately what funding will be provided in the longer term.

The damage already done

The uncertainty created by the recommissioning process has already caused chaos in debt advice. Services have been ‘winding down’ in anticipation of funding stopping at the end of March, reducing access to services for vulnerable clients.

3 in 10 MaPS-funded debt advisers have now left or are in the process of leaving their roles due to the risk of redundancy and the intolerable conditions they have worked under in recent years (source, p.8). 

More than 90% of debt advisers say their workload has resulted in stress and mental health problems, and MaPS-funded advisers report much greater problems with their workload (source, pp.15-16 & p.20).

For community-based services, it will take time and money to rebuild from the damage MaPS has already inflicted, and the experience of those who have left – some with more than 20 years in the field – is gone forever.

Listen to frontline expertise

As our campaign has grown, it has become clear that MaPS has not consulted key stakeholders, including local authorities, other voluntary sector services, non-MaPS funded debt advice providers, debt advice clients, and of course debt advisers. It is not sufficient to consult only with lead organisations; to get the full picture and provide a truly effective service, all stakeholders need to be given a seat at the consultation table.  

It has also become clear that MaPS either did not conduct, or is unwilling to release, an Equalities Impact Assessment. Given the disproportionate impact of reduced face-to-face provision on low-income communities, vulnerable people and those with protected characteristics, this is a serious concern.

The MaPS statement says:

“Over the coming months, we intend to work closely with debt advice clients, advice organisations and other stakeholders to identify the best ways to deliver locally based services”

“The amended timeline will enable MaPS … to collaborate with the debt advice sector to inform and shape regionally based provision that delivers the best outcome for clients”

The most important stakeholders in shaping the future of debt advice are those who do the work. Frontline debt advisers, working at a community level with clients, know and understand how to provide effective debt advice, and must have a seat at the table in all future discussions. UDAN will facilitate this. 

Quality monitoring

MaPS has announced a procurement process to replace the Debt Advice Peer Assessment (DAPA) scheme.

Our members are absolutely clear that DAPA has driven up workloads, crushed adviser morale, and overloaded and confused clients. Advisers spend more than 50% of their time writing case notes or letters (source, p.19), often over 50 pages long to meet the draconian demands set by DAPA. This is not for the benefit of clients who will not read these. It is for the sole purpose of passing DAPA. This is time that could be used supporting our clients.

DAPA must be scrapped with immediate effect.  Agencies providing debt advice under MaPS funding already have robust quality assurance systems in place in the form of the AQS or equivalent schemes.  When there is clearly not enough money in the pot to adequately fund community-based debt advice, it seems reckless to be paying so much money to a commercial company to review our cases, when it is apparent that their goal is not to improve debt advice but to continue to receive money from MaPS.


The ‘increasing capacity’ funding which employed 550 trainee debt advisers in late 2020 is to be extended to 30 June 2022 “with the potential for a limited extension beyond that”.

This gives no long-term certainty for these trainees, many of whom have been in debt advice for over a year and are effectively qualified advisers.  MaPS need to build in proper career progression for this cohort, including an immediate salary increase which reflects the skill and expertise they have acquired.  Failure to do so will result in these new advisers leaving the sector. 

If funding for trainees ends as demand for advice is increasing, we lose the skills acquired and will struggle to meet the need for debt advice in the future. 

Regional structure

The proposed division of England into three ‘mega-regions’ moves decision-making further away from the local services that understand their communities best. Local authorities are key stakeholders in debt advice commissioning and are often major funders, yet have not been consulted in the recommissioning.

Centralising debt advice will result in a top heavy, bureaucratic system and onerous reporting requirements. Vulnerable clients do not want to access debt advice via a call centre.  The revised proposals must take the opposite approach and move decision-making closer to communities.  Local organisations already have established and effective links with the communities they serve and are best placed to address their needs. 


MaPS CEO Caroline Siarkiewicz has already confirmed to debt advisers that targets based on client numbers were to be scrapped in the recommissioned contracts (source from 1:30). This must now happen immediately in order to provide a service which is client-focused and genuinely allows advisers to address the presenting issue from start to finish.  The focus from now on must be on outcomes, rather than volumes.  

Our demands

Following the abandonment of the disastrous Lot 2 regional contracts, UDAN members want to work with MaPS to safeguard jobs, pay and conditions in the debt advice sector, and ensure that high-quality community-based face-to-face debt advice is available for all who need it in future.

We call on MaPS to immediately do the following:

  • Cancel the DAPA scheme
  • End numeric targets for debt advisers
  • Publish all Equalities Impact Assessments conducted as part of the recommissioning process
  • Confirm funding will continue at the current level at a minimum for the 15 months from April 2022
  • Launch a consultation with frontline debt advisers on what services are needed to replace the abandoned Lot 2 regional contracts, including acceptable pay, progression and conditions for workers

“We are so much more than debt caseworkers”: Another voice from the frontline of debt advice

Thanks to another anonymous debt adviser for sharing this. This really spells out the dedication, experience and skills that are at stake if the Money & Pensions Service persist with its cuts to face-to-face services.    

I’m a MaPS funded debt adviser, technical supervisor and an accredited member of the Institute of Money Advisers. I work for a local advice organisation. I’ve worked under various funders including FIF, LSC and now MaPS. Prior to the Covid19 pandemic we tended to see clients face-to-face for their first appointment, so that we could get them to sign forms and we could go through their letters and help them sort them out and scan them for our casework file. Sometimes they’d have a carrier bag full of unopened letters but this wasn’t the norm. Mostly people had opened their letters but they had been storing them in a big cluttered pile. 

Most clients would say that it felt like a weight had been lifted. Occasionally clients would cry with relief.

Clients were often really surprised at how quickly we could sort them into individual piles, extracting and shredding the duplicates and leaving with a nice tidy handful of letters that they could then organise into their own file when they got home. Clients often commented how they felt so much better afterwards. Some proudly told me a few months later that their letters were still really organised and it was obvious that they felt really empowered. And for me that was always a really rewarding part of the job. Most clients would say that it felt like a weight had been lifted. Occasionally clients would cry with relief.

I’d usually say to clients in the first appointment that the purpose of a face-to-face appointment was so that we could meet each other and I could get their paperwork copied. Then if they were happy to, we would continue the advice journey by telephone and email. Sometimes clients were clear that they could only manage with face-to-face advice which was fine, but most clients preferred not to have to come to the office after that when they could just email or pick up the phone. I’d probably do on average 1-2 face-to-face appointments with casework clients, yet I’d still consider myself a face-to-face adviser.

Our organisation is just getting back to offering face-to-face appointments. We have been doing a great job giving advice by phone but have found the administration to be extremely time-consuming, and we’ve found that most clients find the paperwork aspect very difficult. Providing various letters that we need can be extremely challenging for them especially if they have lots of different debts. Some clients will manage to do the tasks if we support them to do one thing at a time, some clients unfortunately disengage. Some clients later return to start the process again from the beginning, on receipt of a bailiff letter or notice of possession proceedings or other action that has worried them enough to seek help. 

When we were only able to offer phone advice some clients expressed frustration with us and commented that “they can’t manage” and “they need support” and “they just wanted everything to be sorted” And of course these are the clients that need our help the most and we want to help them. But if we lose face-to-face services how can we help them? Who do we refer them to? I feel like the buck tends to stop with the debt caseworkers to help get clients back on their feet. 

Because we are so much more than debt caseworkers. We are benefits advisers, housing advisers, care coordinators, counsellors, advocates and mentors. 

Because we are so much more than debt caseworkers. We are benefits advisers, housing advisers, care coordinators, counsellors, advocates and mentors. Many of us have many years of experience and we have built up local connections with the council, housing associations and local charitable organisations and other partners. We commit to regular training to keep our knowledge up to date. And things have been changing so fast recently and it’s hard to keep up but we do, because we have to. We are highly qualified specialists and many of us consider it a vocation that we are incredibly proud of. 

I am in a fortunate position that I do not have to worry about my job security after we lose MaPS funding, but I do worry for clients, for all advisers facing redundancy and for debt advisers unable to refer vulnerable clients for extra support face-to-face.

I have been a debt adviser for almost 20 years. It’s been so rewarding. I imagined that I would retire from my role in 20 years’ time and could never imagine doing anything else. But more recently I keep thinking about retraining to do something completely different. It all weighs heavily on my mind…. worrying about the future of debt advice, more deficit budgets, more vulnerable clients, more priority debts, but not wanting to run away from the challenges ahead just when I’ll be needed the most.

I’m probably going to stick around for now. I work for a nice organisation and I’m staying hopeful that things will get better eventually for advisers so we can better support more vulnerable clients. But honestly, I’m expecting the next few months/years to be a bumpy ride. 

Webchat debt advice: An insider’s view

Thanks to this debt adviser for explaining how advice by webchat works, and the shortcomings of this channel. We agree that it is a useful resource for some clients, but it cannot replace face-to-face advice, and as this adviser makes clear, webchat cannot deal with complex cases. We’re also grateful for this very frank explanation of how the scandalous pressure placed on MaPS-funded debt advisers has affected mental health in the sector.

I have over ten years’ worth of experience of working in the debt advice sector. I had previously worked on the face-to-face project. Initially, I worked under the Money Advice Service project. I always managed to maintain my targets and scored 2’s and 3’s in their peer assessment. I always received positive feedback from colleagues and clients. However, when the Money and Pension Service took over, the introduction of the DAPA peer assessment and unrealistic targets led to me having a full-on mental breakdown.  

I was spending hours writing lengthy letters to client to “tick the boxes” taking on average 5-6 hours, only to be marked down for stupid things such as forgetting to tell a client to check their tax code.

I was spending hours writing lengthy letters to client to “tick the boxes” taking on average 5-6 hours, only to be marked down for stupid things such as forgetting to tell a client to check their tax code. My cases soon got out of control and I was pressured to hit targets but threatened with disciplinary measures when I could not meet the unreasonable “funder requirements”. I kept taking time off sick as I could not sleep at night. My colleagues were suffering from panic attacks and even admitted staying up until 1am most nights to “keep on top” of their confirmation of advice letters. I was riddled with guilt as my sickness put pressure on colleagues and let down the clients that I desperately wanted to help.  

I got further and further behind as nothing was done on my cases when I was ill. I came back to hundreds of letters, emails and messages and a string of demands from my manager. I could not take it anymore. I was so ill mentally, that I did not want to be here anymore.  

Thankfully, due to amazing support from family and my GP, I got a referral to mental health services. I was prescribed sleeping tablets and anti-depressants. I was also placed on tablets to lower my blood pressure and I was advised by my GP that I was at risk of having a heart attack or stroke due to the stress I was under. He told me I was not to go back to work for a long time. This unfortunately is the reality for most people who have worked under the MaPS contracts.  

Despite my illness, I was determined not to be beaten. I know I am good at my job and that I had made a massive difference to so many people’s lives. I wanted to continue to do this. I managed to get a job with another organisation. The role is that of a webchat adviser. It is a job that I like as I no longer have multiple open cases. I am however subject to DAPA and unreasonable targets.  

I am required to have two chats going at the same time in order to meet the targets.

I am required to have two chats going at the same time in order to meet the targets. I am also subject to the hideous DAPA assessment. It is even harder to get a score over 70% on the Webchat DAPA. This is because there are less things to be marked on than casework files, meaning a “not met” brings my percentage down more. I have refused to do two Webchats. It is not good for my mental health and it is not good for the clients as it is too easy to miss something important.  

The Webchat is very limited in terms of what we can do to help clients. There is no option for the clients to upload images of letters. We cannot complete budgets for the clients and we are unable to complete breathing space applications for those who desperately need them, as this would be regarded as casework.  

It’s also increasingly frustrating that more often than not, I have to refer clients to other agencies for assistance. There are multiple reasons for doing this. Mostly, the clients are vulnerable and need someone to sit down with them, go through paperwork, draw up a budget and help them get the debt solution they need.  

At least 50% of my Webchat clients require intervention or assistance from a caseworker. Around 30 to 40% of the chats disconnect before the chat reaches a natural conclusion and 10-20% of people are able to deal with the presenting situation themselves.  

Over 80% of the Webchats have priority debts, or some form of enforcement action.  The most common issues that I advise on are rent arrears, council tax and energy arrears. Quite often these debts have already gone to enforcement stages such as court hearings for evictions, bailiffs or High Court enforcement action. I am also seeing a huge increase in requests for Debt Relief Order applications. This is not something which I can do on Webchat and have to refer them on. This means that the client ends up having received the same advice on Webchat and from the channel they are referred to; not really an effective use of resources.  

Helping clients with council tax debts requires a good relationship with the local authorities. When dealing with priorities and enforcement action, it more often than not needs the client to be present with a skilled adviser who can pick up the phone and negotiate on the client’s behalf.

My ability to help the clients on Webchat is enhanced by the connections I have within local advice services. Dealing with rent arrears requires good relationship with local housing providers. Helping clients with council tax debts requires a good relationship with the local authorities. When dealing with priorities and enforcement action, it more often than not needs the client to be present with a skilled adviser who can pick up the phone and negotiate on the client’s behalf. Without these services, there is no doubt in my mind that more people will become homeless, more pressure will be placed on local authorities and social services will struggle to get the professional help they need to assist their vulnerable service users.  

I do pride myself on doing the best I possibly can to help the clients. However, with the best debt advice in the world, most clients struggle to fill in an N244 form to suspend a warrant of eviction. They are petrified of negotiating with enforcement agents who place unreasonable demands on them, when threatening them with power that they do not have.  

Clients in distress sometimes can’t see the wood for the trees. Often, they try to resolve the issues themselves without success, or most often ignore the situation hoping it will go away. We all know that it doesn’t go away and clients tend to seek advice when their debts have escalated to crisis point.  

It is impossible for me to draw up a budget and complete an N244 form with the clients on Webchat. I am restricted to even complete a breathing space application for them as I cannot do ongoing casework due to high target demands. I am now struggling to find local agencies to help the clients as most are winding down due to uncertainty over the MaPS recommissioning process or due to debt advisers jumping ship like drowning rats.  

The consequences of not taking action in relation to debt advice are so much more severe than in any other advice area. Homelessness, loss of essential goods and services, imprisonment and suicide are always effects of a failure to act.  

I am aware that the Money and Pension Service has been told to invest in more in digital advice service, and that they have received a significant amount of extra funds from the government to do so. However, the government did not tell MaPS to deplete the face-to-face funding to the point that there is little or no provision within local communities.  

The recommissioning process which is being undertaken by MaPS could not have been done more poorly

The recommissioning process which is being undertaken by MaPS could not have been done more poorly. They have a history of making decisions which have serious implications on adviser wellbeing and the services that clients depend on. They make decisions without proper consultation with industry and often end up backtracking or spending millions of pounds to fix problems which would not exist had they consulted with debt advisers in the first place. They seem obsessed with clients in “numbers” without actually evaluating the outcomes which are achieved for them.   

A common sense approach to any recommissioning bid, would be to ensure that agencies have at least 6 months’ notice of changes to funding for them to adapt. Furthermore, the obsession that contracts that are for digital and face-to-face make no sense at all. Surely, if there are times when perhaps face-to-face demand may drop, then advisers could easily switch to help out on other channels and vice versa.  

In my opinion, the Money and Pensions Service is influenced by creditors and steering groups who do not offer face-to-face services, or have any clue about the difficulty advisers face on the ground. Time after time, the Money and Pension Service has been criticised for being out of touch with reality to the extent that people have said they are not fit for purpose. I have to echo those sentiments.  

There is not one single debt adviser on their board of directors. However, it is very predictable where the new funding allocations are going: Stepchange & Citizens Advice. How do I know this? Because the CEO’s of both have recently been added to the board at MaPS.  

If this recommissioning process is not paused, then MaPS will be committing professional suicide. Not only are they throwing debt advisers “off a bridge”, they are doing the same with our vulnerable clients.  

MaPS should be focusing on building bridges. Listening to debt advisers and clients and not just asking the people that they know will give the answers that they want to hear.

MaPS should be focusing on building bridges. Listening to debt advisers and clients and not just asking the people that they know will give the answers that they want to hear. Building services that increases funding for face-to-face advice, with additional support for digital services. Creating links between advisers, organisations and creditors are surely the best ways to help achieve the client outcomes that they need.  

I have no doubt whatsoever that if the proposals in the current recommissioning bids are not stopped now, there will be no delivery of debt advice services. Most advisers are now moving to other jobs as they know that MaPS have gone too far this time. Most won’t even know if they have a job come April, let alone know what hideous regime of targets and peer assessment that they will be subject to.  

I would ask anyone with any sort of influence to force MaPS to stop this recommissioning bid and launch an enquiry into their effectiveness and suitability to provide debt advice services in the future.

In my opinion they are not fit for purpose.   

MPs debate cuts to debt advice

As we mentioned last week, Emma Hardy MP has arranged a Westminster Hall debate for tomorrow morning (1st December, 9.30am).

You can watch the debate live here, or catch up later if you miss it.

We hope this will be a chance to properly examine the way this recommissioning process has been run, and the dreadful impact it will have on debt advisers and debt advice clients.

MaPS responds to the Treasury Committee

A couple of week ago, the Treasury Committee wrote to the chief executive of the Money & Pensions Service (MaPS) with some pointed questions about the recommissioning process (letter here).

Yesterday, MaPS responded with a 7-page letter that failed to give any convincing answers. Emma Hardy MP has tweeted a copy of the MaPS letter here, and you can read a point-by-point response from We Are Debt Advisers here.

MPs to debate cuts to face-to-face debt advice

Emma Hardy, MP for Hull West and Hessle, has announced today that she has secured a Westminster Hall debate on ‘Reductions in community debt advice services’.

This is a fantastic opportunity to publicise the cuts to face-to-face advice services, and we’re hoping to see a good turnout from the many MPs who have supported our campaign.

Westminster Hall debates are a way for MPs to discuss important current issues, but they do not have any authority to make rules or laws.

The debate is on Wednesday 1st December 9.30 to 11.00 and will be available to watch live on the Parliament TV website. We’ll send out a link to watch it nearer the time, and a transcript will be available afterwards.

Special thanks to Emma Hardy MP who has supported our campaign to #SaveDebtAdvice from the start.