SFJIB11 Provide first line money and debt legal advice



Similar documents
FSPDC03 Negotiate repayment solutions to outstanding debts

SFJ ZI02 Monitor and review the performance of technical support systems and equipment

SFJGA6 Develop and manage interviews with clients

Rent Payments and Arrears Recovery Policy

Debt Management Policy. East Lindsey District Council

CORPORATE DEBT POLICY

FSPDC01 Obtain and validate credit information to instigate debt collections

CORPORATE DEBT POLICY

PSPCRT409B Administer court fines and debt management

Debt Recovery Policy. Version: 1.1. Date updated: Adopted 2 December Responsible Department: Finance. Related policies: Nil

CORPORATE DEBT RECOVERY

Draft Harrow Council Corporate Debt RecoveryPolicy. Collecting money responsibly, sensitively and effectively

Norwich City Council Debt Collection Policy. Version June 2014

EAST AYRSHIRE COUNCIL SOCIAL WORK COMMITTEE : 23 MAY 2002 ADDITIONAL FUNDING FOR DEBT ADVICE SERVICES

ASTBUS408 Evaluate internal and external factors and promote partnership working

Rent Arrears Recovery Policy

Management and Collection of Debt Policy. Effective date October 2014 Review date October 2017 Approved by Link Group Board.

SFJFRSFF2 SQA Unit Code (FA6J 04) Take responsibility for effective performance in fire and rescue

Vela Debt Recovery Policy

MONEY WORRIES? A SELF HELP GUIDE TO DEALING WITH YOUR DEBTS. Contents

SFJ EFSM14 Manage the performance of teams and individuals to achieve objectives

JOB DESCRIPTION. Main Purpose of Job Support the Income Services Manager to:

IMPROVING YOUR QUALITY. A guide to common issues identified through Peer Review. Debt

FSPFCC04(SQA Unit Code-F88P 04) Ensure you comply with regulations in your financial services environment

FSPFC08 Investigate arrears and recover debts

keyfacts About our debt management plan services About this document

ESKITP Design and implement change management plans for IT enabled systems 1

Fair Debt Collection Policy

Important Information to help people in mortgage arrears

CFABAI132 Inform and facilitate organisational decision-making

CORPORATE DEBT RECOVERY CODE POLICY STATEMENT

SFJCCAD2 Promote business continuity management

DEBT RECOVERY elselaw.co.uk LEGAL SOLUTIONS FOR YOU AND YOUR BUSINESS

Important information to help people in mortgage arrears

FSPFC04 SQA Unit Code H5H2 04 Appraise applications for business financing and credit facilities

Overview COSCSMO10. Implement, monitor and control strategic procurement systems in construction management

ASTFM320 Disaster recovery and contingency planning

GUIDANCE CONSUMER CREDIT REGULATION DATE OF ISSUE APRIL 2014

Annex A CITY OF YORK COUNCIL CORPORATE DEBT POLICY

Draft Harrow Council Corporate Debt Recovery Policy. Collecting money responsibly, sensitively and effectively

Credit Control and Debt Management Policy

Income Team how we handle debt

LEEDS CITY COUNCIL CORPORATE DEBT POLICY

StepChange Debt Charity response to the Money Advice Service consultation:

Draft PAP for Debt Claims Consultation by Civil Procedure Rule Committee 1-30 September 2014

An Bille um Fhiachas Sibhialta (Nósanna Imeachta), 2015 Civil Debt (Procedures) Bill Meabhrán Mínitheach Explanatory Memorandum

ESKITP Assist in the preparation of change management plans and assignments for IT enabled systems 1

DRAFT NORTHAMPTON BOROUGH COUNCIL CORPORATE DEBT POLICY

Sundry Debt Management and Recovery Policy

Personal Insolvency. Level 4. Credit value 7. Learning outcomes. Assessment criteria. Knowledge, understanding and skills.

ESKISP Conduct security testing, under supervision

Overview SFLOLC1. Develop and implement a management system to ensure

Personal insolvency. Level 4. Credit value 7. Learning outcomes. Assessment criteria. Knowledge, understanding and skills.

CFAM&LBB2 Develop, maintain and evaluate business continuity plans and arrangements

ESKITP6026 IT Security Management Level 6 Role

NEW CHARTER HOUSING TRUST GROUP CORPORATE DEBT POLICY AND CODE OF CONDUCT OCTOBER 2011

Guide to: Debt Management Plans. Debt Advisory Services (Scotland) Limited Telephone

Chichester District Council. Corporate Debt Recovery Policy

Important information to help people in mortgage arrears

South Lanarkshire Council Debt Recovery Policy

SFJPE1.3 Evaluate the effectiveness of the operational delivery business process

Help us to help you Contact us and work in partnership with your local Council

DEBT RECOVERY. Managing cash flow is the secret to a successful business. Poor cash flow even when

BARNSLEY METROPOLITAN BOROUGH COUNCIL

The Fair Recovery and Debt Collection Policy

How To Write Off Debt In Overberg District Municipality

Fair Debt. Policy. Why Have A Fair Debt Policy?

CFABS1 Identify needs and suppliers for your business

CCSAPAB2 Develop and agree objectives for archaeological projects

ESKITP6036 IT Disaster Recovery Level 5 Role

SFS SYS 7 (SQA Unit Code - H4GL 04) Audit electronic security systems

INCOME MANAGEMENT POLICY

ESKITP Authorise strategy, policies and standards relating to IT service delivery performance metrics management

INSOLVENCY (BANKRUPTCY & LIQUIDATION) AND CHARGING ORDER POLICY

Debt Recovery for the NAMB

SWAN HILL RURAL CITY COUNCIL POSITION DESCRIPTION

FSPCOMP3 Assess and mitigate the compliance risks relevant to your organisation

customer debt recovery

Corporate Debt Recovery Policy

SAMPLE INITIAL LETTER TO HOLDER OF CLAIM FOR A DOMESTIC SUPPORT OBLIGATION. Chapter 7

NORTH LANARKSHIRE COUNCIL REPORT POLICY AND RESOURCES (FINANCE) SUB-COMMITTEE. STRIKING THE BALANCE : A NEW APPROACH TO DEBT MANAGEMENT

Debt Recovery Policy. Draft Copy

Clients Copy. Terms and Conditions of Business

Disconnection for arrears

ASTFFL1 - SQA Unit Code H54C 04 Respond to requests for fire damage limitation work

FINPP01 Assist the financial planner in the establishment of new client relationships

COLLECTIONS LIMITED. The Ultimate In Arrears And Debt Recovery Solutions

Relate. Personal Insolvency Bill August New arrangements for dealing with debt. Contents

Port Pirie Regional Council

Newcastle City Council Corporate debt policy. December 2013

AToM Debt Solutions. Debt Management. Call AToM Debt Solutions now on or visit

FNSPIM414 Manage personal injury claims

Debt Management in Ireland

Debt advice evaluation framework

Debt Management Procedures

SCHEDULE OF OPTIONS AVAILABLE TO INDIVIDUALS IN FINANCIAL DIFFICULTY

Income and Debt Management Policy, Processes and Responsibilities April 2015

A guide to creditors voluntary liquidations

Revision Number: 1. FNSMCA301A Collect debts

FACTORING / INVOICE DISCOUNT PROJECT FACT FIND Please complete this fact find electronically if possible and to: enquiries@whiterosefinance.

Transcription:

Overview This standard is about providing clients with direct money management and debt information and advice at the point of initial contact with the service. You will establish their needs and expectations of services, research information which is relevant to their situations and provide them with appropriate and accurate legal advice. You will also know when to refer clients on to alternative or more specialist sources of advice. SFJIB11 1

Performance criteria You must be able to: P1 explain to clients the legal advice services you can offer in line with P2 check clients understanding of legal advice services is consistent with information you have provided P3 agree with clients their legal advice requirements in line with relevant legislation, policies and procedures P4 agree with clients where situations require immediate action in line with their requirements, and: P4.1 take steps to implement this P5 agree next steps with clients in line with their requirements P6 explain accurately the organisation's systems and procedures for working with clients P7 agree further actions with clients in line with their requirements including; P7.1 procedures P7.2 responsibilities P7.3 time limits P8 analyse available client information to assign relevance to their case in line with your professional judgement P9 record client details and agreed actions in line with organisational requirements P10 review sources of information to assess applicability to clients situations P11 check that information obtained enables you to advise clients P12 analyse information received from clients and the research process to formulate options in line with clients needs P13 present clients with information and possible options for action in line with P14 advise clients on the implications of possible options in line with P15 check clients understanding of the advice offered in line with P16 agree actions required by you and clients in line with organisational requirements SFJIB11 2

Knowledge and understanding You need to know and understand: K1 key areas of the legislative framework relating to consumer credit and debt in your jurisdiction K2 why it is important to gather information about clients circumstances K3 the key components of a statement of income and expenditure, and: K3.1 why it is important to prepare one with clients K4 banking options for clients, including: K4.1 payment methods K4.2 when it is appropriate to set up a new account K4.3 procedures for first right of appropriation K5 how to establish the extent and nature of clients debt K6 how the extent and nature of clients debt can affect the advice they are given K7 what should be contained within credit agreements K8 what situations could constitute an emergency for clients in relation to their debts and money management K9 types of emergency action that can be taken in particular circumstances K10 the nature of creditor information to enable the debtor to be offered a full range of options K11 ways of maximising income and reducing expenditure K12 how to use credit reference report information, and: K12.1 the implications for making credit reference report requests K13 how to prioritise debts in terms of: K13.1 severity of creditor sanction K13.2 potential client detriment K14 how to develop and select strategies for addressing debt situations K15 payment methods that can be adopted by the client K16 alternative methods for dealing with debt K17 the importance of opening and continuing negotiations with creditors K18 how to develop a strategy for dealing with creditors K19 the use of clients financial statement as a tool for negotiating with their creditors K20 procedures for debt recovery through the courts and: SFJIB11 3

K20.1 possible consequences of non-compliance with court proceedings K21 possible defences in relation to debt K22 official guidelines and codes of practice relating to: K22.1 credit arrears management K22.2 debt recovery, repossession K22.3 fair treatment of customers K22.4 debt management K23 legislation in your jurisdiction relating to fraudulent activity SFJIB11 4

Developed by Skills for Justice Version number 2 Date approved November 2013 Indicative review date November 2018 Validity Current Status Original Originating organisation Skills for Justice Original URN SFJ IB11 Relevant occupations Legal Advisers; Legal Associate Professionals Suite Legal Advice Key words First point of contact; referral to specialist advice; provide information; finances; owed; debt management; money management; creditors SFJIB11 5