Scotland training topics

Our e-learning and classroom courses cover the essentials you need to help your clients manage their debts.

Wiseradviser offers a range of e-learning and face-to-face training, enabling money advisers to develop their knowledge and skills and support their clients effectively.

Training is available at three skill levels laid down by the Scottish National Standards for Information and Advice Providers – 1: active information, signposting and explanation, 2: casework, and 3: advocacy, representation and mediation at tribunal or court action level. A three tier evaluation system is used to ensure that training enhances advice provision and supports you in your work as a money adviser.

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What topics does Wiseradviser training cover?

Introduction to Debt Advice

This is the first step in training to be a money and debt adviser, covering the ABC of debt, budgeting and maximising income. It will also help you to know when and how to direct people to an experienced adviser or other services.

Good Practice: Providing High Quality Debt Advice

Designed to help advisers to provide high quality, effective and measurable debt advice, this course provides an opportunity to explore key aspects of good practice including: case management, referrals and quality frameworks, support and supervision.

Selecting Appropriate Advice Methods and Tools

To meet client needs, more and more agencies are reshaping the way they deliver advice. This online course explores what blended delivery is and why there is a need for it, using case studies to highlight its use in practice.

Get Started with the Common Financial Statement (CFS): a How-to Guide for Advisers

This course outlines the principles and approach that underpin the CFS, the budgeting format, the trigger figures and provides opportunities to practice using CFS. It also looks at how to use CFS within the debt advice process and what to do if creditors do not recognise CFS.

Standard Financial Statement: Advisers

This course introduces you to the Standard Financial Statement (SFS) and how to use it with your clients when giving them debt advice. It is suitable for advisers of all levels of experience and takes less than an hour to complete.

CASHflow: How to Use the Tool Effectively

Our CASHflow resources are designed to help you to understand how to use CASHflow to support your clients. You can use them on their own or in combination with MAT’s dedicated training website for CASHflow.

Debt Options for Scottish Debtors

Providing a holistic picture of available options is an important way advisers can empower their clients. This on-line learning module aims to enable you to identify the options that may be available to a client, given their specific personal circumstances.

Tailoring advice: Using Options to Help Clients

This course will enable advisers to identify specific options for clients, to explain these options fully, clearly and objectively, and to recognise the implications for clients that may arise as a result.

Insolvency Options: Exploring bankruptcy and trust deeds

This essential course will enable advisers to give holistic advice by gaining an understanding of the suitability of bankruptcy and other personal insolvency options for clients.

Housing Debt Arrears: Practical Advice to Prevent Eviction and Repossession

The main types of housing tenure as well as different types of mortgages and secured loans are explained in this course, enabling advisers to assist clients in a range of housing situations.

Scottish Government Homeowners Support Fund

This course will give you the facts on the two Government Schemes that have been set up to help homeowners with debt problems.

Home Repossession in Scotland

This on-line learning course will help advisers identify appropriate options for a client with mortgage arrears, including the schemes available, advantages and disadvantages of selling the property and repossessions.

Introduction to Debt claims raised in the Sheriff Court

This online module will provide an overview of the legal process and some of the basic protections that are available to debtors. Following this course, advisers can attend the face-to-face Introduction to Diligence course.

Debts in the Sheriff Court: Advising and Representing Clients

This course will enable advisers to understand the options for diligence and remedies to protect clients and assist clients with admitted claims in court.

Mental Health: Good Practice for Debt Advisers

To assist clients with mental health problems to gain control of their debts advisers need a particular set of skills and knowledge. After attending this course advisers will know how to use the MALG Mental Health Guidelines and the Debt and Mental Health Evidence Form.

Fuel Debt: Your Client’s Rights and Options

Want to build your confidence in dealing with clients who have utility debts? This course covers the issues advisers need to be aware of relating to fuel poverty and will enable you to advise on assistance available from various suppliers including schemes to assist individuals to make their homes more energy efficient.

Hire Purchase and Conditional Sale in Scotland

In this bite-sized e-learning course, you will learn about Hire Purchase and conditional sale, enabling you to give advice about these types of agreement.

What is the Consumer Credit Act?

This essential course will give advisers an understanding of the legal principles of consumer credit and the Codes and Guidance creditors must comply with which protect the debtor. It will also explain the legal position on unlicensed lending and how to refer suspected cases to the relevant Trading Standards service.

Payday Loans: The Facts

In the current climate advisers are increasingly finding that their clients have debts from payday loans. This online module will help you deal with common problems encountered and know how best to advise a client. It also covers the background of payday loans, including current social issues and how they are regulated.

Debt Arrangement Scheme: Putting it into Practice as an Approved Adviser

The course will enable advisers to understand when a Debt Payment Programme is an option. It also covers how to prepare an application, variation or revocation of a Debt Payment Programme and how to use the AIB DAS Hub.

Business Debts: Self-Employed Clients and Directors of Limited Companies

The course will enable advisers to identify cases involving business debt and make appropriate referrals to relevant agencies. On completion of the course, advisers will be able to identify different business models, advise appropriately on possible enforcement and the various legal procedures that can be used.

Introduction to the Welfare Reform Act: Universal Credit and Personal Independence Payments

The reforms introduced in 2013 impacted hugely on money advice. This course aims to give you an overview of the key changes as well as links to sources of further information and training. It can benefit new and experienced advisers as a first stage in the Welfare Reforms training process; or as a recap/refresher if previous training has been received.

Boost Your Own Development

This professional development module aims to help you to maximise your effectiveness by making the most of learning and development opportunities. It covers the different Honey and Mumford learning styles, VARK learning preferences, and will give you lots of ideas for different learning strategies and resources for money advisers.