The Money Advice Service Helping people manage their money
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1 The Money Advice Service Helping people manage their money Darren Bruce Regional Manager Money Advice Service CMA Envision Conference Friday 4 th November 2011
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3 Who we are The Money Advice Service is independent. We were set by government and are funded by a levy on the financial services industry. The Money Advice Service is here to help everyone understand and manage their money better.
4 Who we are We re not regulated by the Financial Services Authority so we can t give you a specific recommendation on whether a particular product is suitable for you. If you need regulated financial advice, a professional financial adviser will be able to help.
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6 What we do We give free, unbiased money advice to help people make informed choices, whatever their circumstances.
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8 How we do it Online Over the phone Face to face
9 How we do it We also provide money advice to help people make choices at key points throughout their lives. And we work with partners from industry, government and other sectors to find ways to make money matters and choices clearer for everyone.
10 Starting out getting your first job buying a house starting a family
11 Bumps in the road dealing with redundancy facing a divorce or separation problems paying priority debts / bills
12 Financial education at work Most people know what to do but never get round to taking action this seminar helps nudge you to want to take that action (seminar attendee) Free 1 hour seminar and a copy of our Making the most of your money guide
13 The health check An online money planner Takes less than 10 minutes No need to gather lots of paperwork Get a personal action plan
14 The health check Let s give it a try!
15 Debt Advice Programme 15
16 Background In July this year, the Money Advice Service announced it will perform a central role in the coordination of debt advice across the UK from April The announcement follows the Government s response to the Consumer Credit and Personal Insolvency Review. This response stated the Service is well placed to take a role in the coordination of debt advice services
17 Background We are now assessing the debt advice landscape in order to coordinate an effective, efficient, fair and consistent multi-channel debt advice services across the UK. We are conducting research to identify best practice and improve the delivery, and funding of debt advice, ensuring it s sustainable for the longer term And we are consulting with consumers, creditors, regulators and advice services so that any changes we recommend are fair and provide long term stability.
18 Background Our priority is to ensure quality debt advice services are available from April 2012 We know there are excellent examples of best practice, and we are working with stakeholders to identify these, and explore how such provision can increase. In the future, the Money Advice Service s preventative work will be aligned with debt advice services to ensure earlier intervention, rehabilitation, and greater individual empowerment.
19 Vision People in financial difficulties know where and how to access effective, multi-channel debt advice services, that deliver consistent and fair outcomes for them and their creditors
20 Key Messages Our approach will always put the needs of the consumer first. We do not underestimate both the challenge and opportunity our new coordination role presents. Our approach will be informed by all interested stakeholders. We will be taking a measured approach to implementing change (and in the short term our focus will be on maintaining existing services).
21 Where your input would be really appreciated Identification of challenges and opportunities. Alert us to issues/areas to consider. Making available any relevant information/research.
22 Key dates Milestone Date Three research strands completed: funding model, landscape and consumer/stakeholder November 2011 FSA Board approval of MAS business plan & budget December 2011 Money Advice Service takes responsibility for coordination of debt advice April 2012 Money Advice Service to commission F2F debt advice services in England and Wales (extension of BIS grant agreements) and complementary services in Scotland and Northern Ireland (all subject to funding being granted) April 2012 Testing and evaluation of new delivery concepts emerging from research strands Jan July 2012 (tbc) Potential procurement process July 2012 Implement best practice model Late 2013
23 Discussion groups Group one: consumers Group two: service providers Group three: creditors For each perspective: 1. What are the current challenges you face? 2. In a perfect world, what would debt advice look like for your group? 3. How do you think the Money Advice Service could help improve the debt advice landscape?
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