AiB Stakeholder Events 2015/16

AiB Stakeholder Events 2015/16 Victoria Quay, Edinburgh 1 February 2016

Contents Foreword... 3 Information... 4 Event Brief... 5 Timetable... 6 AiB Speaker Information... 7 Venue Information... 9 AiB Attendees... 11 Delegates... 12 Notes... 14 Feedback Form... 17 Appendix 1 Workshop delegates... 19 First Workshop... 19 Second Workshop... 23 Third Workshop... 27

Foreword Welcome to AiB s annual stakeholder event 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. 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

Information Stakeholder Event 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.

Event Brief Stakeholder Event 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: General 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, gauging success and improvements to streamline the processes as well as general bankruptcy topics. Bankruptcy Debtor Contribution Orders: One of the key elements of the recent bankruptcy reforms saw the introduction of a single Common Financial Tool. The purpose of the tool was to introduce a statutory process to record income and expenditure and facilitate the calculation of contributions in statutory debt solutions. This session will explain how the Debtor Contribution Order process works, provide insight on lessons learned so far and allow attendees to have their say on their experiences of working with the new procedure. 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.

Timetable Stakeholder Event 10:15-10:30 Registration and refreshments 10:30-10:45 Welcome and introduction Richard Dennis, The Accountant in Bankruptcy and Agency Chief Executive 10:45-11:45 Workshop session 1 General Bankruptcy, Bankruptcy (Debtor Contribution Orders), Debt Arrangement Scheme or Protected Trust Deeds. 11:45-12:00 Comfort break Attendees for each session can be found on page 19-22 12:00-13:00 Workshop session 2 General Bankruptcy, Bankruptcy (Debtor Contribution Orders), Debt Arrangement Scheme or Protected Trust Deeds 13:00-13:45 Lunch break Attendees for each session can be found on page 23-26 13:45-14:45 Workshop session 3 General Bankruptcy, Bankruptcy (Debtor Contribution Orders), Debt Arrangement Scheme or Protected Trust Deeds 14:45-15:00 Refreshments Attendees for each session can be found on page 27 30 15:00-15:45 Panel discussion Conference Room 1 Open floor discussion with the panel members on any matter brought up throughout the day or any other business. Facilitated by: Colin Soulsby Panel members: Richard Dennis, John Cook, Alex Reid, Kelly Quigley and Lisa Ledingham-Park 15:45 Close of Conference and thanks

AiB Speaker Information Stakeholder Event 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. Alex Reid, Head of Policy Development Alex joined Accountant in Bankruptcy in April 2012 as Head of Operational Policy and Compliance. He is currently Head of Policy Development. Alex is responsible for leading the development and review of personal insolvency policy in Scotland and also the policies related to the devolved aspects of corporate insolvency. Alex s previous roles in Scottish Government have included the policy lead for the development of marine renewable energy in Scotland and management of the primary grant schemes to support research and development activity in small businesses.

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. Stakeholder Event 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 Lisa Ledingham-Park, Team leader of Trust Deed team Lisa joined Accountant in Bankruptcy in May 2009. Lisa was previously a Case Manager within the Case Administration team and her responsibilities included dealing with the registration of sequestrations awarded by the courts, protected trust deeds, corporate insolvencies and the Debt Arrangement Scheme. She has also been involved in the introduction and promotion of Secure File Transfer Protocol as a means of securely exchanging documents electronically with AiB. Lisa began working for the Scottish Government in December 1998 and prior to joining AiB, she worked for the Criminal Injuries Compensation Authority. Colin Soulsby, Supplier Manager, Royal Bank of Scotland Colin works for the Royal Bank of Scotland in the Debt Management Operations department and has been living and working in Scotland for the last 20 years, during which time he has built a significant number of contacts in the debt and money advice sector. In a previous role he was the Money Advice Relationship Manager for the Bank, working closely with all aspects of the money advice sector to improve liaison and customer service delivery. Now managing suppliers, he continues to take a keen interest in supporting initiatives in Scotland.

Venue Information Stakeholder Event The venue for the Edinburgh event is: The Scottish Government, Victoria Quay Building Victoria Quay, The Shore, Leith, EH6 6QQ Victoria Quay is located to the north of Edinburgh City Centre. Pedestrian access is via Commercial Street, Ocean Drive and Dock Place. There are 79 visitor car parking spaces at Victoria Quay. These spaces are not bookable and are offered on a first come first served basis. However, spaces are available for Blue Badge Holders. Directions The nearest rail station to Victoria Quay is Edinburgh Waverley, which can be accessed by direct public bus services on Princes Street. There are several bus routes serving the immediate vicinity of Victoria Quay, with the 22 Lothian Bus the most direct service to Edinburgh City Centre which takes about 20 minutes. The majority of the buses are scheduled to arrive every 10-15 min. More information can be found on the Lothian Buses website: http://www.lothianbuses.com/ Security / Reception at Victoria Quay can be contacted 0131 244 5203 / 0131 244 7410 Fire Safety for Visitors: All visitors should be made aware of the evacuation procedures for the building Staff hosting or chairing meetings must make attendees aware of evacuation procedures On hearing the fire alarm Calmly evacuate the building by the nearest available exit Report to your assembly point Follow instructions of fire marshals or fire precautions officers DO NOT: use lifts, stop to collect personal belongings, attempt to fight a fire unless you have been trained in the safe use of fire extinguishers, and it is appropriate to do so, or re-enter the building until the all clear has been given If you discover a fire Immediately raise the alarm - shout to notify anyone in the vicinity Activate the fire alarm system (e.g. using 'break glass' points) Evacuate the building

Evacuation Routes Assembly Point Please note a members of staff will guide you if the above is applicable.

AiB Attendees Name Position Dr. Richard Dennis John Cook Alex Reid Kelly Quigley Lisa Ledingham-Park Stacey Dunn Gemma Rowan Erin McCreadie Laura-Jane Sneddon Michelle Murdoch Chief Executive Executive Director of Case Operations Head of Policy Development Head of Debt Arrangement Scheme & Insolvency Registration Trust Deeds Team Leader Debt Arrangement Scheme Case Manager Insolvency Registrations Team Leader Policy Development Manager Policy Development Manager Trust Deed Case Manager Gavin Cameron Allan Holmes Alison Miller Scott Benzies Communications Manager Web Development & Communications Officer P/A to the Chief Executive Insolvency Registrations Team Officer

Delegates Stakeholder Event Name Ailsa Hughes Alan Stewart Alastair Hood Alison Dryburgh Andrena Feeney Andrew Douglas Andrew Johnstone Andrew Wilkinson Ann McGurk Antoinette Eaton Beverley Kerr Bruce Blair Cameron Wilson Carol Finneron Chris Lennie Christine Convy Colin Soulsby Dave Leigh David Menzies Derek Lyttle Derek Wilson Dorren Lurring Eileen Maclean Emma Cormack Gerald Mulvey Geraldine Donoghue Gillian Brand Gordon Beurskens Iain Penman Ian Brown Jacqueline McDonald Jamie McIlvride Jane H Marnie Jeanette Hoffie Jen Singerman Jenn Stewart Jo Baldock Joyce McVay Julie Heaton Karen Carrick Karen Meldrum Katie Pickering Keith Anderson Kevin Mapstone Company HMRC Cowan and Partners Ltd Perth CAB Dundee Citizens Advice Bureau Lloyds Bank HMRC HMRC Enforcement Wilson Andrews Dundee City Council Lloyds Banking Group HMRC HMRC HMRC - Debt Management Haddington CAB Grant Thornton Insolvency Support Services RBS StepChange Debt Charity ICAS MLM Solutions ICAS ICAS Insolvency Support Services For You By You West Lothian Council HM Revenue and Customs Dundee Citizens Advice Bureau ABW Consultants Ltd. Lindsays mlm solutions Citizens Advice & Rights Fife French Duncan Citizens Advice Bureau West Lothian HMRC Scottish Government Legal Directorate Begbies Traynor Scottish Huntington's Association MacGregors Middlebrooks Business Recovery & Advice Improvement Service Peebles Citizens Advice Bureau Christians Against Poverty Gilson Gray LLP Grant Thornton UK LLP

Kirstine Henderson Laura Borland Linda Robertson Lorna Cook Louise Crawford Lynn Barr Margaret Linn Mark Maclean Maureen Walls Mel Cuthill Michael Gibbs Michael Piggot Mike Holmyard Morag McKenzie Murray Geddes Neil Coleman Nicola Mennim Pamela Bower Rhona Calder Rob Hardie Robin MacGregor Robin Panton Roisin Lees Ross Walker Scott Crooks Setutsi van Lare Sharon Bell Sharon McDougall Sharon Parker Shona Maxwell Sonya Stevenson Stan Fox Steven Jansch Steven McGinty Steven Wood Susan Currier Suzanne Gillespie Tracey Karran Valerie Roebuck Vicki Ball Vivien Dykes HMRC Brodies LLP CHAI Advice Service Thomson Cooper Insolvency Support Services Ltd Henderson Loggie Henderson Loggie Shelter Scotland Thomson Cooper Payplan Scotland The Insolvency Service Dundee Citizens Advice Bureau Citizen Advice Scotland HMRC Roxburgh CAB Money Adviser Cowan & Partners Ltd Lloyds Bank Roxburgh CAB Middlebrooks The Counting House (Scotland) Ltd Condies Business Recovery and Insolvency HM Revenue and Customs Money Alba Citizens Advice & Rights Fife ICAS StepChange Debt Charity Begbies Traynor HMRC Condies Business Recovery & Insolvency French Duncan Christians Against Poverty Gilson Gray LLP HMRC Johnston Carmichael LLP Thomson Cooper HMRC Lloyds Bank Haddington CAB PayPlan Scotland Ltd Haddington Citizens Advice

Notes Stakeholder Event

Notes Stakeholder Event

Notes Stakeholder Event

Feedback Form Your feedback is valuable to us. In order to maintain and improve our standards of service, we would be grateful if you could spare a few minutes to offer your feedback. All constructive feedback, both negative and positive, is of great value to us. If you have any specific questions about the events you would like answered, please speak to a member of staff and they will ensure you are provided a response. please complete the attached form and hand it to a member of staff on your way out. Event Overall, I found the event worthwhile Strongly agree Agree Neutral Disagree Strongly disagree The information at the event was useful and well presented Overall, the event was well facilitated First Workshop (please select the workshop you attended) General Bankruptcy, Debtor Contributions Orders, Debt Arrangement Scheme, Trust Deeds I found the workshop useful and informative I had the opportunity to participate in the discussion The presenter was prepared and accommodating Second Workshop (please select the workshop you attended) General Bankruptcy, Debtor Contributions Orders, Debt Arrangement Scheme, Trust Deeds I found the workshop useful and informative I had the opportunity to participate in the discussion The presenter was prepared and accommodating Third Workshop (please select the workshop you attended) General Bankruptcy, Debtor Contributions Orders, Debt Arrangement Scheme, Trust Deeds I found the workshop useful and informative I had the opportunity to participate in the discussion The presenter was prepared and accommodating

In your opinion, what were the strengths of the event? What did you find most useful or enjoyable and why? Which parts were the least useful or enjoyable? Why? Are there any topics you would like to see covered at future events / workshops that would assist you? Thank you

Appendix 1 Workshop delegates First Workshop General Bankruptcy Workshop session 1 10:45 11:45 conference Room 1 Facilitated by: Alex Reid Name Company Position Andrena Feeney Lloyds Bank Flow Leader Insolvency Andrew Johnstone HMRC Enforcement Officer Cameron Wilson HMRC - Debt Management AO David Menzies Scottish Bankruptcy Advice Owner Derek Lyttle MLM Solutions Finance Manager Gerald Mulvey West Lothian Council Money Adviser Gillian Brand Dundee Citizens Advice Bureau ADVICE WORKER Gordon Beurskens ABW Consultants Ltd. Director Iain Penman Lindsays Partner Karen Meldrum Peebles Citizens Advice Bureau Debt Advice Caseworker Katie Pickering Christians Against Poverty Caseworker Keith Anderson Gilson Gray LLP Associate Kirstine Henderson HMRC EO Laura Borland Brodies LLP Senior Solicitor Lorna Cook Thomson Cooper Insolvency Senior Margaret Linn Henderson Loggie insolvency Manager Mark Maclean Shelter Scotland Senior Money and Debt Adviser Maureen Walls Thomson Cooper Insolvency Manager Mel Cuthill Payplan Scotland Line Manager Michael Gibbs The Insolvency Service Head of Channels and Campaigns Michael Piggot Dundee Citizens Advice Bureau Advice Support Worker Nicola Mennim Cowan & Partners Ltd Insolvency Manager Pamela Bower Lloyds Bank Front Line Manager Insolvency Rhona Calder Roxburgh CAB Money Advisor Rob Hardie Middlebrooks Robin Panton Condies Business Recovery and Insolvency Administrator Setutsi van Lare ICAS Insolvency Technical Support Stan Fox Christians Against Poverty Caseworker - Scotland Team Tracey Karran Lloyds Bank Flow Leader Insolvency Valerie Roebuck Haddington CAB Money Adviser Vivien dykes Haddington Citizens Advice money adviser Stakeholder Event

Debtor Contribution Order Workshop session 1 10:45 11:45 Conference Room 2 Facilitated by: John Cook Name Company Position Alan Stewart Cowan and Partners Ltd Senior Insolvency Administrator Alastair Hood Perth CAB Debt Adviser Bruce Blair HMRC Team Leader David Menzies ICAS Director of Insolvency Geraldine Donoghue HM Revenue and Customs Debt Management Officer Jo Baldock Scottish Huntington's Association Financial Wellbeing Officer Julie Heaton Middlebrooks Business Recovery & Advice Assistant Manager Kevin Mapstone Grant Thornton UK LLP Relationship Manager Linda Robertson CHAI Advice Service Money Advice Worker Louise Crawford Insolvency Support Services Ltd Senior Account Manager Mike Holmyard Citizen Advice Scotland Money Advice Consultant Murray Geddes Roxburgh CAB Money Advisor Scott Crooks Citizens Advice & Rights Fife Money Adviser Sharon Bell StepChange Debt Charity Head of StepChange Debt Charity Scotland Sharon McDougall Begbies Traynor DAS Manager Shona Maxwell Condies Business Recovery & Insolvency Ltd Director Sonya Stevenson French Duncan Business Recovery Manager Steven Wood Johnston Carmichael LLP Restructuring Manager Vicki Ball PayPlan Scotland Ltd Technical Support Officer

Debt Arrangement Scheme Workshop session 1 10:45 11:45 Conference Room 3 Facilitated by: Kelly Quigley Name Company Position Alison Dryburgh Dundee Citizens Advice Bureau Advice support worker Ann McGurk Dundee City Council Debt management Antoinette Eaton Lloyds Banking Group Money Advice Liaison Manager Beverley Kerr HMRC Higher Executive Officer Carol Finneron Haddington CAB Money Advice Christine Convy Insolvency Support Services Director Colin Soulsby RBS Supplier Management Dave Leigh StepChange Debt Charity Scotland Services Manager Derek Wilson ICAS Senior Reviewer Dorren Lurring ICAS Assistant Director Emma Cormack For You By You Scotland Services Manager Ian Brown mlm solutions Senior Manager Jane H Marnie Citizens Advice Bureau West Lothian Money Advice & Support Worker Jacqueline McDonald Citizens Advice & Rights Fife Debt Advice Coordinator Jen Singerman Scottish Government Legal Directorate Solicitor Karen Carrick Improvement Service Project Manager Morag McKenzie HMRC Collector Neil Coleman Money Adviser Roisin Lees HM Revenue and Customs Higher Officer (Legal Caseworker) Ross Walker Money Alba Business Owner Steven McGinty HMRC Higher Debt Manager Suzanne Gillespie HMRC Collector

Trust Deeds Workshop session 1 10:45 11:45 Conference Room 4 & 5 Facilitated by: Lisa Ledingham-Park Name Company Position Ailsa Hughes HMRC E.O. Andrew Douglas HMRC Senior Technical Advisor Andrew Wilkinson Wilson Andrews Insolvency Practitioner Chris Lennie Grant Thornton Executive Eileen Maclean Insolvency Support Services Director Jamie McIlvride French Duncan Administrator Jeanette Hoffie HMRC Trust Deed manager Jenn Stewart Begbies Traynor Partner Joyce McVay MacGregors Manager Lynn Barr Henderson Loggie Senior Insolvency Administrator Robin MacGregor The Counting House (Scotland) Ltd Director Sharon Parker HMRC Legal Caseworker Steven Jansch Gilson Gray LLP Partner Susan Currier Thomson Cooper Insolvency Senior

Second Workshop General Bankruptcy Workshop session 2 12:00 13:00 Conference Room 1 Facilitated by: Alex Reid Name Company Position Alan Stewart Cowan and Partners Ltd Senior Insolvency Administrator Alastair Hood Perth CAB Debt Adviser Bruce Blair HMRC Team Leader Chris Lennie Grant Thornton Executive Dave Leigh StepChange Debt Charity Scotland Services Manager Emma Cormack For You By You Scotland Services Manager Geraldine Donoghue HM Revenue and Customs Debt Management Officer Ian Brown mlm solutions Senior Manager Jamie McIlvride French Duncan Administrator Jeanette Hoffie HMRC Trust Deed manager Jen Singerman Scottish Government Legal Directorate Solicitor Jenn Stewart Begbies Traynor Partner Jo Baldock Scottish Huntington's Association Financial Wellbeing Officer Joyce McVay MacGregors Manager Julie Heaton Middlebrooks Business Recovery & Advice Assistant Manager Karen Carrick Improvement Service Project Manager Kevin Mapstone Grant Thornton UK LLP Relationship Manager Louise Crawford Insolvency Support Services Ltd Senior Account Manager Lynn Barr Henderson Loggie Senior Insolvency Administrator Mike Holmyard Citizen Advice Scotland Money Advice Consultant Morag McKenzie HMRC Collector Robin MacGregor The Counting House (Scotland) Ltd Director Roisin Lees HM Revenue and Customs Higher Officer (Legal Caseworker) Scott Crooks Citizens Advice & Rights Fife Money Adviser Steven Wood Johnston Carmichael LLP Restructuring Manager

Debtor Contribution Order Workshop session 2 12:00 13:00 Conference Room 2 Facilitated by: John Cook Name Company Position Alison Dryburgh Dundee Citizens Advice Bureau Advice support worker Andrena Feeney Lloyds Bank Flow Leader Insolvency Cameron Wilson HMRC - Debt Management AO Carol Finneron Haddington CAB Money Advice Christine Convy Insolvency Support Services Director David Menzies Scottish Bankruptcy Advice Owner Iain Penman Lindsays Partner Jane H Marnie Citizens Advice Bureau West Lothian Money Advice & Support Worker Jacqueline McDonald Citizens Advice & Rights Fife Debt Advice Coordinator Karen Meldrum Peebles Citizens Advice Bureau Debt Advice Caseworker Keith Anderson Gilson Gray LLP Associate Lorna Cook Thomson Cooper Insolvency Senior Senior Money and Debt Mark Maclean Shelter Scotland Adviser Head of Channels and Michael Gibbs The Insolvency Service Campaigns Nicola Mennim Cowan & Partners Ltd Insolvency Manager Pamela Bower Lloyds Bank Front Line Manager Insolvency Rhona Calder Roxburgh CAB Money Advisor Robin Panton Condies Business Recovery and Insolvency Administrator Tracey Karran Lloyds Bank Flow Leader Insolvency

Debt Arrangement Scheme Workshop session 2 12:00 13:00 Conference Room 3 Facilitated by: Kelly Quigley Name Company Position Ailsa Hughes HMRC E.O. Andrew Douglas HMRC Senior Technical Advisor Andrew Johnstone HMRC Enforcement Officer Andrew Wilkinson Wilson Andrews Insolvency Practitioner Eileen Maclean Insolvency Support Services Director Gerald Mulvey West Lothian Council Money Adviser Gillian Brand Dundee Citizens Advice Bureau ADVICE WORKER Gordon Beurskens ABW Consultants Ltd. Director Katie Pickering Christians Against Poverty Caseworker Kirstine Henderson HMRC EO Linda Robertson CHAI Advice Service Money Advice Worker Margaret Linn Henderson Loggie insolvency Manager Maureen Walls Thomson Cooper Insolvency Manager Mel Cuthill Payplan Scotland Line Manager Michael Piggot Dundee Citizens Advice Bureau Advice Support Worker Sharon Bell StepChange Debt Charity Head of StepChange Debt Charity Scotland Sharon McDougall Begbies Traynor DAS Manager Sharon Parker HMRC Legal Caseworker Sonya Stevenson French Duncan Business Recovery Manager Stan Fox Christians Against Poverty Caseworker - Scotland Team Steven Jansch Gilson Gray LLP Partner Susan Currier Thomson Cooper Insolvency Senior Valerie Roebuck Haddington CAB Money Adviser vivien dykes Haddington Citizens Advice money advicer

Trust Deeds Workshop session 2 12:00 13:00 Conference Room 4 & 5 Facilitated by: Lisa Ledingham-Park Name Company Position Ann McGurk Dundee City Council Debt management Antoinette Eaton Lloyds Banking Group Money Advice Liaison Manager Beverley Kerr HMRC Higher Executive Officer Colin Soulsby RBS Supplier Management David Menzies ICAS Director of Insolvency Derek Lyttle MLM Solutions Finance Manager Derek Wilson ICAS Senior Reviewer Dorren Lurring ICAS Assistant Director Laura Borland Brodies LLP Senior Solicitor Neil Coleman Money Adviser Rob Hardie Middlebrooks Ross Walker Money Alba Business Owner Setutsi van Lare ICAS Insolvency Technical Support Shona Maxwell Condies Business Recovery & Insolvency Ltd Director Steven McGinty HMRC Higher Debt Manager Suzanne Gillespie HMRC Collector Vicki Ball PayPlan Scotland Ltd Technical Support Officer

Third Workshop General Bankruptcy Workshop session 3 13:45 14:45 Conference Room 1 Facilitated by: Alex Reid Name Company Position Ailsa Hughes HMRC E.O. Alison Dryburgh Dundee Citizens Advice Bureau Advice support worker Andrew Douglas HMRC Senior Technical Advisor Andrew Wilkinson Wilson Andrews Insolvency Practitioner Ann McGurk Dundee City Council Debt management Antoinette Eaton Lloyds Banking Group Money Advice Liaison Manager Carol Finneron Haddington CAB Money Advice Colin Soulsby RBS Supplier Management David Menzies ICAS Director of Insolvency Derek Wilson ICAS Senior Reviewer Eileen Maclean Insolvency Support Services Director Jacqueline McDonald Citizens Advice & Rights Fife Debt Advice Coordinator Linda Robertson CHAI Advice Service Money Advice Worker Neil Coleman Money Adviser Ross Walker Money Alba Business Owner Sharon Bell StepChange Debt Charity Head of StepChange Debt Charity Scotland Sharon McDougall Begbies Traynor DAS Manager Shona Maxwell Condies Business Recovery & Insolvency Ltd Director Sonya Stevenson French Duncan Business Recovery Manager Steven McGinty HMRC Higher Debt Manager Steven Wood Johnston Carmichael LLP Restructuring Manager Susan Currier Thomson Cooper Insolvency Senior Suzanne Gillespie HMRC Collector Vicki Ball PayPlan Scotland Ltd Technical Support Officer

Debtor Contribution Order Workshop session 3 13:45 14:45 Conference Room 2 Facilitated by: John Cook Name Company Position Beverley Kerr HMRC Higher Executive Officer Chris Lennie Grant Thornton Executive Dave Leigh StepChange Debt Charity Scotland Services Manager Derek Lyttle MLM Solutions Finance Manager Dorren Lurring ICAS Assistant Director Gerald Mulvey West Lothian Council Money Adviser Gordon Beurskens ABW Consultants Ltd. Director Jeanette Hoffie HMRC Trust Deed manager Jen Singerman Scottish Government Legal Directorate Solicitor Joyce McVay MacGregors Manager Karen Carrick Improvement Service Project Manager Katie Pickering Christians Against Poverty Caseworker Lynn Barr Henderson Loggie Senior Insolvency Administrator Maureen Walls Thomson Cooper Insolvency Manager Michael Piggot Dundee Citizens Advice Bureau Advice Support Worker Rob Hardie Middlebrooks Robin MacGregor The Counting House (Scotland) Ltd Director Valerie Roebuck Haddington CAB Money Adviser vivien dykes Haddington Citizens Advice money advicer

Debt Arrangement Scheme Workshop session 3 13:45 14:45 Conference Room 3 Facilitated by: Kelly Quigley Name Company Position Alastair Hood Perth CAB Debt Adviser Andrena Feeney Lloyds Bank Flow Leader Insolvency Bruce Blair HMRC Team Leader Cameron Wilson HMRC - Debt Management AO David Menzies Scottish Bankruptcy Advice Owner Jamie McIlvride French Duncan Administrator Jenn Stewart Begbies Traynor Partner Jo Baldock Scottish Huntington's Association Financial Wellbeing Officer Karen Meldrum Peebles Citizens Advice Bureau Debt Advice Caseworker Keith Anderson Gilson Gray LLP Associate Laura Borland Brodies LLP Senior Solicitor Mark Maclean Shelter Scotland Senior Money and Debt Adviser Michael Gibbs The Insolvency Service Head of Channels and Campaigns Mike Holmyard Citizen Advice Scotland Money Advice Consultant Morag McKenzie HMRC Collector Murray Geddes Roxburgh CAB Money Advisor Pamela Bower Lloyds Bank Front Line Manager Insolvency Rhona Calder Roxburgh CAB Money Advisor Setutsi van Lare ICAS Insolvency Technical Support Tracey Karran Lloyds Bank Flow Leader Insolvency Scott Crooks Citizens Advice & Rights Fife Money Adviser

Trust Deeds Workshop session 3 13:45 14:45 Conference Room 4 & 5 Facilitated by: Lisa Ledingham-Park Name Company Position Alan Stewart Cowan and Partners Ltd Senior Insolvency Administrator Andrew Johnstone HMRC Enforcement Officer Christine Convy Insolvency Support Services Director Emma Cormack For You By You Scotland Services Manager Geraldine Donoghue HM Revenue and Customs Debt Management Officer Gillian Brand Dundee Citizens Advice Bureau ADVICE WORKER Iain Penman Lindsays Partner Ian Brown mlm solutions Senior Manager Jane H Marnie Citizens Advice Bureau West Lothian Money Advice & Support Worker Julie Heaton Middlebrooks Business Recovery & Advice Assistant Manager Kevin Mapstone Grant Thornton UK LLp Relationship Manager Kirstine Henderson HMRC EO Lorna Cook Thomson Cooper Insolvency Senior Louise Crawford Insolvency Support Services Ltd Senior Account Manager Margaret Linn Henderson Loggie insolvency Manager Mel Cuthill Payplan Scotland Line Manager Nicola Mennim Cowan & Partners Ltd Insolvency Manager Robin Panton Condies Business Recovery and Insolvency Administrator Roisin Lees HM Revenue and Customs Higher Officer (Legal Caseworker) Sharon Parker HMRC Legal Caseworker Stan Fox Christians Against Poverty Caseworker - Scotland Team Steven Jansch Gilson Gray LLP Partner