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| Version 0 | Version 1 |
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| Concern over rising debt problems | Concern over rising debt problems |
| (about 8 hours later) | |
| Debt is the biggest concern for those seeking help from Citizens Advice Scotland - with a 14% rise in debt-related issues in the last year. | |
| Its annual report revealed debt made up for almost 30% of the 976,989 issues advisers handled in 2008-09. | Its annual report revealed debt made up for almost 30% of the 976,989 issues advisers handled in 2008-09. |
| The number of inquiries related to redundancy doubled in the same period. | The number of inquiries related to redundancy doubled in the same period. |
| Delegates at a conference in Edinburgh marking the charity's 70th anniversary will be told the recession will lead to an increase in problems next year. | Delegates at a conference in Edinburgh marking the charity's 70th anniversary will be told the recession will lead to an increase in problems next year. |
| Citizens Advice Scotland Chief Executive, Kaliani Lyle, said while there were signs of "green shoots" in the wider economy, the situation remained bleak for many. | Citizens Advice Scotland Chief Executive, Kaliani Lyle, said while there were signs of "green shoots" in the wider economy, the situation remained bleak for many. |
| 'Dreadful circumstances' | 'Dreadful circumstances' |
| She said: "The fall in income, the threat of redundancy, the spiralling debt, the disappearance of reasonable credit, the lack of affordable housing and the spectre of homelessness - many are suffering combinations of all of these things, and the result is often depression, illness, family or relationship breakdown. | She said: "The fall in income, the threat of redundancy, the spiralling debt, the disappearance of reasonable credit, the lack of affordable housing and the spectre of homelessness - many are suffering combinations of all of these things, and the result is often depression, illness, family or relationship breakdown. |
| "This is the reality. And it's hard to talk the language of recovery when you are dealing face-to-face every day with people who are living with such dreadful circumstances." | "This is the reality. And it's hard to talk the language of recovery when you are dealing face-to-face every day with people who are living with such dreadful circumstances." |
| The report said the largest increase for any area of inquiry was for legal problems, including bank and earnings arrestments and sequestration, which were up 19%. | The report said the largest increase for any area of inquiry was for legal problems, including bank and earnings arrestments and sequestration, which were up 19%. |
| Social security benefits issues also increased by 10%, accounting for 26% of all issues raised. | Social security benefits issues also increased by 10%, accounting for 26% of all issues raised. |
| The report was based on inquiries at each of the 71 Citizens Advice Bureaus in Scotland. | The report was based on inquiries at each of the 71 Citizens Advice Bureaus in Scotland. |
| The figures do not represent a head-count, as individual clients may have asked for advice on a number of issues. | The figures do not represent a head-count, as individual clients may have asked for advice on a number of issues. |
| The CAS conference will take place at Heriot Watt University on 12 and 13 August. | The CAS conference will take place at Heriot Watt University on 12 and 13 August. |