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Past campaign successes

Over the years we have campaigned on a range of different issues in order to improve the policies and services that affect our clients. These are just a handful of the campaigns we are most proud of.

 

Making Employment and Support Allowance (ESA) #FitforWork

What was the problem?

Ill and disabled people were being let down by Employment and Support Allowance (ESA) – the benefit that is intended to support people while they are too ill for work.  Many people were facing charges for the medical evidence they needed to support their claim, enduring poor customer service and low quality decision making, and then being left without any financial support if they decided to challenge poor decisions made as a result of this flawed process.

What happened?

Now, if an ill or disabled person needs to apply for ESA, changes to the form they fill in and the guidance provided around medical evidence should help them get the supporting information they need – for free. The Department for Work and Pensions and a new assessment provider have committed to further training and support to improve the assessment experience and decision making, so claimants should have a better experience and more decisions should be right first time.

Payday loans campaign

What was the problem?

sams story

Payday loan companies were not treating their customers fairly. The payday loan industry was breaking its promise to clean up its behaviour. Citizens Advice called for payday lenders to be properly regulated and to stop irresponsible advertising.
 
In the last four years the Citizens Advice service saw a ten-fold increase in the number of debt clients with payday loans, while our evidence showed that payday loan companies were not treating their customers fairly - and were even breaking regulations and guidance regarding responsible lending.
 
Most of the problems we were hearing about related to payday lenders not checking that customers could afford the loan, and pressuring them to ‘roll over’ the loan when they struggled to pay it back on time, as well as the way in which lenders took payments from their customers’ accounts – leaving them with no money for essentials.
 
We were also concerned about the glossy advertising practices of payday lenders, which were often irresponsible and misleading, masking the reality of debt. Finally, we wanted to make sure people knew about the alternatives and where to go for help.
 

How we got involved

Wiltshire Citizens Advice took an active part in raising awareness about this campaign and collected clients’ stories of their experience of pay day lenders as evidence. We wrote to the Wiltshire MPs to ask them to attend the High Cost Credit Bill vote in Parliament last July. The Bill would: restrict the advertising of payday loans; restrict the use of the continuous payment authority by payday lenders; and require payday lenders to signpost customers in financial difficulty to sources of free and impartial debt advice. We also asked our supporters to get ‘mad about the ad’ and report irresponsible or misleading payday loan adverts to the Advertising Standards Authority (ASA).
 
What happened?
From the 1 April 2014, the Financial Conduct Authority introduced tough new rules on payday lenders.
 
Cap on the cost of credit: The Government announced that there will be a cap on the amount of money a loan can cost you in 2015.

Advertising practices under the microscope: Complaints were made about several payday loan ads and a number have already been banned.

Read more about how our clients and the wider public have benefitted from our sucessful campaigns - campaign successes.

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