Spectrum Centre, Inverness 10 February 2016

AiB StakeholderEvents

2015/16

Stakeholder Event 2015-16

Contents

Foreword ............................................................................................................................ 3

Information ......................................................................................................................... 4

Event Brief .......................................................................................................................... 5

Timetable ............................................................................................................................ 6

AiB Speaker Information ................................................................................................... 7

Venue Information ............................................................................................................. 9

AiB Attendees .................................................................................................................. 10

Delegates .......................................................................................................................... 11

Notes ................................................................................................................................. 12

Appendix 1 – Workshop delegates ....................................................................................

First Workshop ............................................................................................................. 15

Second Workshop ........................................................................................................ 17

Foreword

Welcome to our first annual stakeholder events since the Bankruptcy and Debt Advice (Scotland) Act came into force and the roll out of the BASYS IT system. Today gives us an opportunity to look at how things have gone thus far together, the work we already have in hand to make things better, and to discuss where we need to turn our attention next. You are much closer to the frontline – the people with unsustainable debts we are all trying to help – and may well have a better idea of how all the recent reforms are working in practice for debtors for creditors, and for all of us working in the sector.

Welcome to AiB’s annual stakeholder event So these events are designed not only to allow you to hear from us but, more importantly, let us hear from you. Through this open dialogue, I believe we are better placed to provide an effective service focused on meeting the needs of the people of Scotland. On behalf of myself and my staff, I would like to welcome you to our 2016 event.

Dr Richard Dennis The Accountant in Bankruptcy & Agency Chief Executive

Stakeholder Event

2015-16

Who we are Accountant in Bankruptcy (AiB) is an Executive Agency of the Scottish Government with responsibility for administering the process of personal bankruptcy, administering the Debt Arrangement Scheme and recording corporate insolvencies in Scotland. We aim to meet the needs of our staff, stakeholders, customers, local community and the environment. This is achieved through regular assessment of commitments, objectives and services being provided.

Our Mission To ensure access to fair and just processes of debt relief and debt management for the people of Scotland, which takes account of the rights and interests of those involved.

Our Values We will ensure that our activities are: - independent - responsive - accountable - transparent - fair - open

Our Key Functions We will achieve our mission through the following key functions, while recognising our unique statutory role: - Supporting Ministers to develop and refine policy - Supervising the insolvency process - Delivering, with stakeholders, a range of options for individuals seeking debt relief and debt management - Ensuring best value services to our customers Should you require further information please do not hesitate to contact the Stakeholder Events team by email to allan.holmes@aib.gsi.gov.uk or by telephone on 0300 200 2629.

Information

Stakeholder Event

2015-16

Event Brief

What is the aim of these events? To engage with you, our stakeholders, through workshop sessions, to seek your feedback on the work we do and discuss how we can work better together. Workshops Our workshop sessions will focus on AiB’s key activities and relate to the areas we expect will have a significant impact on you. The workshop sessions will focus on:

Bankruptcy: The introduction of the Bankruptcy and Debt Advice (Scotland) Act

2014 and a new case operating system has seen significant changes in the way

bankruptcy cases in Scotland are administered. This session will look at changes

post-implementation including Debtor Contribution Orders, gauging success and

improvements to streamline the processes as well as general bankruptcy topics.

Debt Arrangement Scheme (DAS): Over the past few years, the DAS case

management system DASH and the DAS regulations have been updated to allow

DAS to become a revolutionary and popular product. This workshop will be an

interactive open floor discussion, looking at DAS in general, statistics and trends,

recent and future IT upgrades, case studies, and will give an opportunity for

attendees to feed back to the team directly on their experiences of DAS.

Trust deeds: Following the introduction of the protected trust deeds (PTD)

regulations and the ASTRA case management system in November 2013, we have

been working to refine and improve the PTD process. This session will discuss the

on-going development of ASTRA, how subsequent legislative changes have

affected the PTD regulations, and provide guidance to help you get the most from

ASTRA and other relevant topics.

NB: Delegates have been assigned to workshops according to indicated highest to lowest preference where possible.

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Timetable

11:00 - 11:15 Registration and refreshments 11:15 - 11:30 Welcome and introduction – Main Theatre

Richard Dennis, The Accountant in Bankruptcy and Agency Chief Executive

11:30 - 12:45 Workshop session 1

Bankruptcy Including Debtor Contribution Orders, Debt Arrangement Scheme or Protected Trust Deeds

Attendees for each session can be found on page 15 – 19

12:45 - 13:30 Lunch break

13:30 - 14:45 Workshop session 2

Bankruptcy Including Debtor Contribution Orders, Debt Arrangement Scheme or Protected Trust Deeds

Attendees for each session can be found on page 15 – 19

14:45 - 15:00 Refreshments

15:00 - 15:30 Panel discussion – Main Theatre Open floor discussion with the panel members on any matter

brought up throughout the day or any other business. Facilitated by: Yvonne MacDermid Panel members: Richard Dennis, John Cook and Kelly Quigley

15:30 Close of Conference and thanks

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AiB Speaker Information

Dr Richard Dennis, The Accountant in Bankruptcy and Agency Chief Executive Richard joined Accountant in Bankruptcy on 1 April 2015. Richard’s previous career in the Civil Service included spells at the Department of the Environment, the European Commission and HM Treasury, before moving to the Scottish Government in 2000. Before coming to AiB, he led the Scottish Government’s Fire and Rescue Division through the period of the creation of the new single Scottish Fire and Rescue Service.

John Cook, Executive Director of Case Operations John joined Accountant in Bankruptcy in January 2005 after working for the Department for Work and Pensions for 18 years. Initially John was responsible for Debt Arrangement Scheme (DAS) operations and in February 2007 was appointed Head of Case Operations at AiB. John has overall responsibility for AiB’s case management and supervisory functions related to bankruptcy, the Debt Arrangement Scheme and protected trust deeds. John is an AiB Board member and a volunteer Board member for North Ayrshire Citizens Advice Service.

Kelly Quigley, Head of Debt Arrangement Scheme & Insolvency Registration Team Kelly joined Accountant in Bankruptcy in June 2006 having worked at the Department for Work and Pensions for five years. Kelly has worked in various internal roles within AiB before moving on to lead the Debtor Applications team in October 2008. Here, she oversaw the implementation of the legislative changes which introduced the low income, low asset (LILA) process, and changed how people apply for their own bankruptcy.

In 2010, Kelly helped oversee the introduction of the Certificate for Sequestration route to personal bankruptcy, and managed the

operational transition for the team before becoming Senior Manager of the DAS and Insolvency Registration teams.

AiB Speaker Information

Stakeholder Event

2015-16

Yvonne MacDermid, Chief Executive for Money Advice Scotland Yvonne has over 20 years of experience in the areas of debt advice and consumer protection. Yvonne began her career in 1987 with Trading Standards as an Enforcement Officer focusing on Consumer Credit law before being quickly promoted to a Money Adviser. In 1989, she became involved in the establishment of ‘Money Advice Scotland’ where she went on to become Chief Executive in 1997. She has since led this organisation to promote money advice and good practice. Yvonne received a Martin Williams Award for her contribution to the Credit

Industry at the Credit Today Awards 2013.

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Venue Information Fire

In the event of a fire evacuation, your responsibility as tutor, class or activity leader is to ensure the safe and orderly exit of all those in your group. You must be prepared to hold a roll call in order to account for everyone. The assembly point is outside the library in Farraline Park, directly opposite the Spectrum Centre. In the event that this area is unsuitable (e.g. bomb threat), please assemble under the walkway into Rose Street.

In order to expedite a safe and orderly exit, you will be shown the nearest fire evacuation route and exit.

Please make your group aware of the nearest fire exit and escape route and if possible, have the group walk the route to familiarize them with it.

The fire alarm for this building is a siren. If you have any questions or queries regarding the fire evacuation procedure, or

your responsibilities, please ask a steward for assistance.

Please note a members of staff will guide you in the event of an alarm.

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AiB Attendees

Name Position

Dr. Richard Dennis Chief Executive

John Cook Kelly Quigley Amanda Gardiner Steven Mahood

Executive Director of Case Operations Head of Debt Arrangement Scheme & Insolvency Registration Debt Arrangement Scheme Case Manager Finance Officer

Gavin Cameron Allan Holmes Pauline Carrigan

Communications Manager Web Development & Communications Officer Facilities Management

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Delegates

Name Company Adrienne Ross Angus Morrison Caroline Swan Cathy MacDonald Chris Spence David Adams Douglas Flannigan Estelle Kerr Emily Muir Fiona Spendlow Heather Miller Jane Chatfield Joan Lewis Julie Calder Julie McNamee Juliet Taylor Kathleen Cousins Kathryn Munro Katrina Lovie Lesley Comfort Lorna Lee Margaret Anderson Mark Beveridge Martin Conroy Mina Moshirya Pam Fargie Paul Homer Polly Wingent Raymond Fettes` Robert Deeming Sandra Kerzten Shira Drain Tracy MacDonald

The Highland Council The Highland Council The Highland Council The Highland Council Citizens Advice Bureau Ross & Cromarty CAB Highland Council Money Advice Alness CAB Meston Reid & Co Moray Council Caithness CAB East Sutherland CAB The Highland Council The Highland Council The Moray Council The Moray Council Nairn CAB The Moray Council Scottish Huntington's Association Gordon Rural Action Highland Council Money Advice Inverness CAB Inverness CAB Inverness CAB The Highland Council Inverness CAB The Highland Council Inverness CAB Gordon Rural Action South West Aberdeenshire CAB Ross & Cromarty CAB Highland Council Money Advice Gordon Rural Action

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Notes

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Notes

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Notes

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Appendix 1 – Workshop delegates First Workshop Bankruptcy (including Debtor Contribution Orders) - Workshop session 1 11:30 – 12:45 Facilitated by: John Cook Name Company Position Angus Morrison The Highland Council Money Advice Officer Cathy MacDonald The Highland Council Money Advice Officer Chris Spence Citizens Advice Bureau Money Advice Team Leader David Adams Ross & Cromarty CAB Money Adviser Douglas Flannigan Highland Council Money Advice Advisor Jane Chatfield East Sutherland CAB Money Adviser Julie McNamee The Moray Council Money Adviser Katrina Lovie Scottish Huntington's Association Financial Wellbeing Officer Lesley Comfort Gordon Rural Action Debt Adviser Lorna Lee Highland Council Money Advice money advice officer Margaret Anderson Inverness CAB Money Advice Case Worker Mark Beveridge Inverness CAB Money Advice Case Worker Mina Moshirya The Highland Council Money Advice Officer Paul Homer The Highland Council Money advice Officer Raymond Fettes` Gordon Rural Action Senior money adviser Shira Drain Highland Council Money Advice Money advice Officer

Stakeholder Event

2015-16

Debt Arrangement Scheme - Workshop session 1 – 11:30 – 12:45 Facilitated by: Kelly Quigley Name Company Position

Adrienne Ross The Highland Council Asst Income & Recovery Manager

Caroline Swan The Highland council money advice officer Emily Muir Meston Reid & Co Case Handler Estelle Kerr Alness CAB Money Adviser Fiona Spendlow Moray Council Money Adviser Heather Miller Caithness CAB Money Adviser

Joan Lewis The Highland Council Senior Clerical Asst SLARS/DAS

Julie Calder The Highland Council Money Advice Officer

Juliet Taylor The Moray Council Financial Inclusion Team Leader

Kathleen Cousins Nairn CAB Money Adviser Kathryn Munro The Moray Council Money & Benefits Adviser Martin Conroy Inverness CAB Money Advice Case Worker Polly Wingent Inverness CAB Money Advice Case Worker

Robert Deeming South West Aberdeenshire CAB Debt Adviser

Sandra Kerzten Ross & Cromarty CAB Money Advice Adviser Tracy MacDonald Gordon Rural Action Money Adviser

Stakeholder Event

2015-16

Second Workshop Bankruptcy - Workshop session 2 – 13:30– 14:45 Facilitated by: John Cook Name Company Position

Adrienne Ross The Highland Council Asst Income & Recovery Manager

Caroline Swan The Highland council Money Advice Officer Emily Muir Meston Reid & Co Case Handler Estelle Kerr Alness CAB Money Adviser Fiona Spendlow Moray Council Money Adviser Heather Miller Caithness CAB Money Adviser

Joan Lewis The Highland Council Senior Clerical Asst SLARS/DAS

Julie Calder The Highland Council money advice officer

Juliet Taylor The Moray Council Financial Inclusion Team Leader

Kathleen Cousins Nairn CAB Money Adviser Kathryn Munro The Moray Council Money & Benefits Adviser Martin Conroy Inverness CAB Money Advice Case Worker Polly Wingent Inverness CAB Money Advice Case Worker

Robert Deeming South West Aberdeenshire CAB Debt Adviser

Sandra Kerzten Ross & Cromarty CAB Money Advice Adviser Tracy MacDonald Gordon Rural Action Money Adviser

Stakeholder Event

2015-16

Debt Arrangement Scheme - Workshop session 2 – 13:30 – 14:45 Facilitated by: Kelly Quigley Name Company Position Angus Morrison The Highland Council Money Advice Officer Cathy MacDonald The Highland Council Money Advice Officer Chris Spence Citizens Advice Bureau Money Advice Team Leader David Adams Money Adviser Ross & Cromarty CAB Douglas Flannigan Highland Council Money Advice Advisor Jane Chatfield East Sutherland CAB Money Adviser Julie McNamee The Moray Council Money Adviser Katrina Lovie Scottish Huntington's Association Financial Wellbeing Officer Lesley Comfort Gordon Rural Action Debt Adviser Lorna Lee Highland Council Money Advice money advice officer Margaret Anderson Inverness CAB Money Advice Case Worker Mark Beveridge Inverness CAB Money Advice Case Worker Mina Moshirya The Highland Council Money Advice Officer Paul Homer The Highland Council Money advice Officer Raymond Fettes` Gordon Rural Action Senior money adviser Shira Drain Highland Council Money Advice Money advice Officer