Friday, 13 February 2015

Petra, Debt and Wales in the Red

Wales in the Red

This weeks BBC Week In Week Out focused on debt in Wales. The whole 30 minute programme is worth a watch but Torfaen CAB is featured for a few seconds at 18 minutes. Torfaen was cited by the programme as the third most indebted part of Wales behind Merthyr and Denbighshire

BBC Week In Week Out - Wales in the Red



Changes to the way we do Debt Advice

We are just a few months into the new Money Advice Service Debt Advice contract and some changes are beginning to be rolled out across the CAB network. These changes are part of a complete overhaul to the system of MAS funded debt advice across the UK.


The Common Initial Assessment (CIA) is an online diagnostic triage tool which improves the client experience within the Citizens Advice service.
It is designed to enhance and standardise both the quality of information gathered from the client at an early stage in the debt advice process as well as promote consistency of advice across the bureaux network.
By working in this way, the CIA aims to improve the outcomes of the debt advice given across the service.
The CIA also enhances the ability of bureaux to manage demands for Specialist Debt Assistance. By asking a set of standard questions, which gathers essential information from the client, it allows the bureau to provide a faster and better quality route to the most appropriate next step.
At the end of the assessment there will be a summary page with all the required information that the assessor has recorded. This page should be copied and pasted onto Petra GAI assessment.
The tool has been developed for use by someone with limited debt and financial experience.

It is very important that all advisers who Gateway a client with a debt issue use this tool. Links will be on the desktops of all advice room PC's at Cwmbran by Monday morning and there will be a short briefing at each morning meeting this week to show staff and volunteers how to use the CIA including the importance of changing the funder from CORE to MASDAP in the Gateway.

We aim to have the system fully implemented by the end of next week.

There will be more changes detailing how different specialist services will be added to the referral routes of debt clients over the next few months.

The Cablink pages explaining the CIA including a link to the CIA tool itself are available here


Disruption to PETRA

Most of the Citizens Advice network has experienced problems this week with Petra being unavailable for significant periods. The short story is that this was caused by several thousand bureau computers all trying to download a particularly large Microsoft security update simultaneously. The good news is there are some quick and some long term solutions in place to make sure it does not happen again.

The lengthy email pasted below explains the full picture and I have included it here for those who are interested but it is far from compulsory reading. 

We will be making the changes to the way our computers handle updates (as outlined in the email below) this week on our Pontypool computers (we don't need to do this at Cwmbran because we have our own separate fire-walled internet connection so the updates do not use the Citizens Advice network)


What we need to do about Petra

Dear Chairs, Chief Officers and Petra users,

I would like to explain what is happening with Petra, the immediate steps we can take together to fix the current problem, and give you the full context about what we're doing.

What we need to do now


The problem we are experiencing with Petra right now strongly appears to be a result of our network being unable to cope with a large Microsoft patch released earlier this week. Essentially, every computer in the service is requesting to download this at the same time, creating an enormous queue of outbound requests that is is blocking access to Petra, and making it appear to run slowly.


We are doing everything we can to fix this. But we are strongly advised that the fastest way to get things back on track would be for everyone who downloads Microsoft updates through our network to make sure they are only doing this during the night.


Please therefore make sure that every computer in your bureaux is set to only download and install Microsoft Updates during the night. If we all do this, we are assured that performance will improve almost immediately.


The way to do this depends on your windows version, but for most versions it will be:


  • Click on the start menu, and open the Control Panel.
  • Open “System and Security”.
  • Click on the “Automatic Updates” tab
  • Select "Check for Updates but let me choose when to download and install them" - this will show a notification in the bottom right corner of the screen as a reminder
  • Press “ok”


Having to do this in this way is clearly far from ideal, and I know the last few days have been particularly frustrating. I’ve been in Leicester today - in between phone calls about our network and Petra - where advisers have been clear with me about the impact it’s having on their work, and how much its performance and reliability matters, day in, day out in bureaux. It is deeply frustrating when it goes down, or appears to within bureaux, with the unacceptable knock on impact for clients.


Lots of you have emailed me today to say how difficult this is making things, and wanting a fuller explanation of what is happening. So I wanted to let you know what we’ve been doing to make Petra work. 

(Just so you know, Petra is the thing that I wake up at night thinking about.) 

This is an unusually long email because I want to be as open as possible; please do forward this to people within your bureaux.

The underlying issues


There are three fundamental causes of problem - the Petra code itself, the fact that Petra requires a certain kind of network to run, and hosting mistakes by CGI - and it can unfortunately be very hard to identify which is at fault when we experience problems.


The code problems are what makes Petra run slowly at peak times, particularly between 11 and 1, or when people run reports. The simple fact is Petra was poorly coded by our supplier Logica (since taken over by CGI), and the extent of the problems came to light too late to change the fundamentals. Essentially, the code is inelegant and makes the application run slowly. So we’ve always been running to catch up.


Because it matters so much, we’ve thrown everything but the kitchen sink at it: Petra now runs on two of the fastest computers that money can buy, with 80 cores each. Its data sits on incredibly expensive fusion disks. We’ve worked through thousands of lines of code to tweak performance. But it’s still too slow, too unreliable, and deeply frustrating for too many of us.


What we’re doing to make this better includes:


  • Giving you a much better money advice tool, outside of Petra’s code. The prototype is being tested with hundreds of money advisers now, and it’s clear that it’s a huge improvement. Taking that out of Petra’s code should simplify the code considerably, and make it run faster on the servers.
  • Trying to separate out the reporting data from the real time data you need to see when advising and writing up, freeing up more performance. (It seems that people running management reports during peak times is one of the reasons it is performing poorly at the moment, so if you can possibly avoid this, please do so!) This again should simplify and streamline how the application works, improving speed.
  • Painstakingly going through hundreds more lines of code to explore even more ways we clean it up. Each bug we fix improves things a bit, but this approach will never make a huge difference.


The network problems are more complicated, but I’ll do my best to explain what’s going on. The root issue is that Petra requires a secure private network (because it’s not secure over the internet, in the way that logging in to online banking or email is). This means that we need to provide you with both internet and connections to Petra through a secure, private MPLS network, which is hosted by Azzuri. Each bureaux connects to this MPLS network, and then the MPLS network connects to CGI’s data centers in one direction and the internet in another.


What this means is that each bureaux office uses the same local link into the MPLS for both internet and Petra, and that locally your internet traffic competes with Petra traffic over your local connection. So if you use services that take a lot of bandwidth, such a video streaming or downloading software, this makes Petra run slowly locally.


Once a month, unfortunately, the network experiences a tidal wave of activity. This is caused by the way Microsoft releases security and other ‘patches’ to its software in big, regular bundles: when it does this, every computer in the service tries to simultaneously download the patch, going through the bureaux’s local connection to the MPLS network, and from this to the internet. This does two things: first, it overwhelms the MPLS’ connection to the internet, which creates a huge queue of requests going back and forward. (Basically, every computer keeps sending requests for a bit more of the patch, receiving a reply saying ‘you’re at this point in the queue’, and then immediately requests a bit more of the patch). This in turn overwhelms local connections to the MPLS, which compete with Petra data. So the rush of demand effectively blocks both the MPLS network as a whole, and your local network connection until all your computers in your local network have downloaded the patch. Restricting access to Microsoft servers would make this worse, not better, as it would increase the amount of ‘request’ traffic.


Some bureaux have tried to mitigate this problem by installing separate broadband connections to the internet. Where this is done absolutely securely, with proper virus protections, managed firewalls, secure routing and secure Wi-Fi it means that patches download locally through an alternative connection, and Petra performance in that bureaux is more ‘protected’ from the Microsoft patching problem, only being affected when the whole network is overloaded, as it is now. However, where the right security controls aren’t in place, it has introduced viruses into the MPLS network, which can create a large amount of data traffic within the network, and slow down local connections to Petra. (If you have a separate broadband link your local TSA will be more than happy to come and check it is all configured ok.)


This week, we’ve had both the Microsoft patch problem and a virus problem, which have compounded each other to make Petra performance slow in bureaux.


What we’re doing to make this better includes:


  • Doubling the speed of the MPLS connection to the internet, giving it the fastest connection we can technically obtain. This will be in place by the next Microsoft patch day. While this will help a bit, it still won’t be fast enough to allow every computer on the network to download patches simultaneously, so will only make a bit of difference. (It’s worth saying that Chromebooks don’t update in this ‘bulky’ way, which is one reason to go for Google Apps).
  • Trying to make Petra secure over the open internet. This would remove the need for us to provide an MPLS network. All bureaux could have their own locally arranged broadband connections, at the speed they need locally. This would fundamentally and permanently solve the network problems, but isn’t straightforward to do and needs us to move Petra away from CGI’s hosting first. I can’t tell you yet whether it will be possible to achieve, or when we’ll know - but hope to be able to in the next few months.
  • Splitting internet traffic from Petra traffic over your local connections. This would essentially give Petra traffic priority over any other internet traffic. While this would protect Petra, it might have the unwelcome consequence of making Adviceguide and Advisernet run much more slowly unless we can simultaneously increase the speed of all local connections. We’re piloting this approach at the moment to make sure it can be delivered safely - unfortunately it’s not straightforward.


The good news is that this problem is fundamentally fixable. The bad news is that it’s technically very hard to do and brings considerable risk.


The way that large corporates deal with this situation is unfortunately unable to us, as it would require us having administration rights over every computer connecting to our network, and then staggering updates in a sequenced way.


The one thing that will make a significant difference is for all computers in every bureaux to be set to only download (and install) updates during the night. But we can’t set this from our end - it needs to be done in every bureaux, on every machine.


While we’re working on the more systemic solutions, it’s unfortunately fairly safe to bet that for a few days after Microsoft releases a patch (normally the second and sometimes the fourth Tuesday of every month), Petra’s performance will appear slow in bureaux. The size of the issue depends on the size of the patch. When this happens, it’s worth leaving computers on overnight for at least a few days, as they’ll download at least some of the Microsoft patch then.


The hosting mistakes by CGI come in all shapes and sizes, which is why they’re so hard to prevent, and why they make me utterly, utterly furious. A couple of months ago the air conditioning in the data centre broke, the servers got too hot and shut down, for example. We’re also currently investigating whether CGI have correctly configured how Petra uses the cores in the extremely powerful computers we have purchased to power it.


These kinds of problems are the focus of in depth calls, pretty much every day, between our teams, Microsoft and CGI. People work incredibly hard to fix them. But they’re beyond unacceptable.


That’s why we are working hard on moving Petra away from CGI completely, focusing on:


  • Testing whether Petra can be moved to Amazon Web Services, which would enable us to put an effectively unlimited amount of server power behind the application, able to add more power at peak times. This would be an ideal solution, but because of the way Petra has been coded, it may be impossible to do.
  • Moving Petra to a specialist hosting provider that provides similar services.


Clearly, moving anything like Petra involves risk. So please rest assured: we’ll test everything to within an inch of its life, and will minimise and mitigate the risks of any changes as robustly as it’s possible to do.

The longer term solution


I’d like to thank you for your ongoing patience - and I hope this update helps to explain why Petra is frustrating for everyone involved, and the effort and approaches we’re taking to fix it.


I’d also to thank the teams within Citizens Advice, who are working so hard to make things as good as they can be, particularly the service desk.


I know it’s hard to look ahead when today is so frustrating. But the only long term solution to these problems is to replace Petra with something simpler, faster and intuitive.

I’m confident we’ve made huge progress on this over the past few months. Hundreds of clients, advisers and others across the service have been involved in testing new ideas and prototypes. And lots more have been following our work as it unfolds in the open on the project blog here.


Please do pass this email on to those who would find it useful.

Thanks,
Mike

-- 

Mike Dixon
Assistant CE
Citizens Advice

Internal: 231101  |  External: 03000 231101  | Mobile: 07861 250 530   | 

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Friday, 6 February 2015

Do you need advice on Your Money ?

Money advice


I am pleased to announce that we are able to make 8 money advice sessions open to our staff and volunteers.

The sessions will take place at Cwmbran on Wed 25th Feb in the morning and on Tue 10th March in the afternoon. Sessions last 45 minutes and are both free and confidential. Please book your place by emailing lisa.oates@torfaencab.org.uk

The Money Advice Service offers free, confidential, unbiased advice to the public on a range of money topics such as budgeting, debt, insurance, borrowing money, savings, pensions & mortgages.

They generally see clients for 30-45 minutes when we run though a budget planner.  Two reasons, one to assess their financial situation & identify possible debts & also to discuss any topic areas that may be relevant to the client.  So, if a client owns a house but does not have house insurance, while they may not have attended for that reason, we could still have a discussion around the implications of not having this & how to shop around for it.

They are doing a lot of work at the present time on Universal Credit & the implications on budgeting & clients being responsible for paying their rent themselves.

Another area becoming more popular is the pension changes due from April 15.

Generalist Webchat

The webchat project announced in last weeks blog will not now start until April as the implementation team at Citizens Advice are staggering the roll out. We will be in the third cohort of bureau launching this project.

Housing Advice Project

We were disappointing to learn this week that Welsh Government funding for our Housing Advice project will end this April after 16 years. We have been given no reason for this other than that it is the result of a review of all WG services designed to reduce homelessness in response to the new Act. It is especially disappointing as we have consistently exceeded project targets through the period of delivery and also that demand for this service is increasing. We were the only CAB to have delivered services under this project.

We will issue guidance to advisers and referral agencies in due course as to where clients should go for help from the 1st May.

We will be seeking an explanation for this decision and through friends and partners considering what, if anything, can be done to reverse this decision.

Client Satisfaction Pilot

Torfaen CAB is already involved in the new Quality of Advice Audit pilot. In addition we have this week committed to take part in the Client Satisfaction Audit pilot. This will involve a greater focus on identifying clients prepared to take part in an automated feedback questionnaire or telephone interview. Please keep an eye out for further guidance on this.

Bureau closure


The Bureau will next be closed for Easter on Good Friday 3rd April, Easter Monday 6th April and Tuesday 7th April.

Feedback


I always welcome feedback from staff and volunteers, you can ring me up on 01633 876128 send me an email at mal.edgson@torfaencab.org.uk, write me a letter, comment on this blog, place your comment or suggestion in the comments box in the Cwmbran meeting room or come and see me.


This Blog is prepared for the staff and volunteers of Torfaen Citizens Advice Bureau






Monday, 2 February 2015

Going the Extra Mile


Great work Andrew & Sue

Andrew and Sue went to a home visit with a client last week and provide us with a great case study of how a partnership between a caseworker and volunteer adviser can work really well, improving the experience for the client, the caseworker and the volunteer.

To cut a long story short the lady who was disabled had council tax arrears and could not afford to heat her home. With help from Andrew and Lisa we were able to sort our her arrears, her housing benefit and her disability benefits while Sue was able to spend some time and source a much needed washing machine for the client.

The client described our support as 'priceless' and out of this great piece of teamwork we were able to transform the life of the client, give some great experience and practical work to Sue our volunteer adviser and take some pressure off our caseworkers. A really good experience all round and in a flash of the blindingly obvious has shown us what could be a really exciting way to work in the future.

Our Job Center campaign

We will be meeting with Job Centre Plus again soon and we will be able to discuss with then annonymised examples of maladministration. We have previously identified 5 broad categories where job centre staff fall short of the expectations set in their own customer charter. 

  • Failure to take into account clients disabilities
  • Failure to take into account clients circumstances
  • Incorrect information and advice
  • Unjustifiable or unfair decisions/actions
  • Rudeness and improper treatment
Please keep up the good work and make sure you raise BEF's where you come across these issues

The Really Amazing Charity 2

TRAC2 the really amazing charity in Trevethin have been really amazing with our Clients who are in crisis (such as those in need of furniture, bedding and curtains when they have been housed, after a period of homelessness or escaping violent relationships ). They run a shop to raise funds for items that are not donated and are always looking for good quality furniture, household items,clothes and bric a brac  to sell. They can collect furniture or other bulky goods, for more information tel 01495 764078. Please help them if you can as they provide such a critical service for the people in their community.



Bureau closure


The Bureau will next be closed for Easter on Good Friday 3rd April, Easter Monday 6th April and Tuesday 7th April.

Feedback


I always welcome feedback from staff and volunteers, you can ring me up on 01633 876128 send me an email at mal.edgson@torfaencab.org.uk, write me a letter, comment on this blog, place your comment or suggestion in the comments box in the Cwmbran meeting room or come and see me.


This Blog is prepared for the staff and volunteers of Torfaen Citizens Advice Bureau

Monday, 19 January 2015

Generalist Webchat project to start soon

Generalist webchat


Following a successful joint bid with Cardiff and Vale, Caerphilly, and Merthyr CABx a generalist webchat service will begin at Torfaen in the next few weeks. Located next to our Adviceline telephone desk in the Cwmbran bureau the service will be led by a jointly employed member of staff who over the next 14 months will deliver on the project targets whilst recruiting and training new volunteers to continue a sustainable service beyond the end of the initial funding. Torfaen will be expected to conduct 22 webchats a week. The service will link in to telephone advice through our other projects as well as other telephone and bureau services in much the same was as adviceline does currently.



Private sector rented housing survey

If you rent your house from a private landlord can you please help Citizens Advice with this research by completing this short questionnaire https://www.surveymonkey.com/s/PRSext


Lee Chesterman from Newport

The week we welcomed Lee from Newport Bureau who will be delivering Debt Advice from our Cwmbran Bureau as part of Newport CAB's Frontline Debt Advice project


Save the Children Christmas Jumper Day

I am pleased to report that the Bureau has received a certificate from Save the Children thanking us for the donation of £70 that we raised at the Christmas Party. Bob led on this so a big well done to him and thanks to all who contributed.


Proceeds of crime fund

Some of you may have noticed that the Gwent Police Proceeds of Crime Fund is re-opening. This fund offers small grants to community organisations for projects that will reduce offending behavior, including alcohol and drug dependency. Unfortunately the fund will not cover staff costs and cannot be used to purchase capital items. I would welcome any ideas you may have about how TCAB could get involved with this.

Bureau closure


The Bureau will next be closed for Easter on Good Friday 3rd April, Easter Monday 6th April and Tuesday 7th April.

Feedback


I always welcome feedback from staff and volunteers, you can ring me up on 01633 876128 send me an email at mal.edgson@torfaencab.org.uk, write me a letter, comment on this blog, place your comment or suggestion in the comments box in the Cwmbran meeting room or come and see me.


This Blog is prepared for the staff and volunteers of Torfaen Citizens Advice Bureau

Friday, 16 January 2015

Cold with Wintery Showers

Bad weather contingency plans

When wintery showers fall on parts of Torfaen they can cause some travel chaos. Last Wednesday areas of Blaenavon and Garnsychan we not passable and there are likely to be more such days before winter is through. This inevitably leads to problems for staff and volunteers trying to get to work.

Please don't travel if it is not safe to do so. If it is safe, please make your way to your nearest bureau if it is not possible to get to your normal place of work, please leave a voice message on 01633 876121 option 3 to let us know if this is the case. Paid staff should also text Mal or Lynne so we can arrange cover, notify staff and clients, and alert the public via facebook and twitter.

Paid staff staff should also make provision to allow for work to be done at home when disruption is expected.

There are good links on this page for information about travel and gritting.


New starters

This week we welcome Matthew Chambers, Lesley Turner and Debra Lunt to the bureau. Welcome aboard we look forward to working with you


Admin - victim of its own success

Please bear with us this month as we have had an unprecedented migration of admin volunteers from our team. Five of our most prolific volunteers left us for better things recently and there is quite a hole behind them. Adam has taken a job with the Citizens Advice Consumer Advice call center, Sam has left to go full time in Brantano shoe shop. Helen left us for a new job with a Monmouthshire housing association, Hannah has been taken on by TVA as an administrator as well as her college work, and Matthew has been away to concentrate on job searches. We done to all of them for their respective successes, please try not to do it with such synchronicity in future!

Lisa is currently interviewing new volunteers and we hope to have reception cover fully up and running again soon.


The NEW way of making sure our advice is top notch.

TCAB is coming to the end of the first month of our new advice quality audit regime and we have already learnt a few things. Firstly, our advice is of high quality and has scored well so far giving us a GREEN light on our first monthly scoreboard. Secondly, we have been able to focus on how to improve. Over the next few weeks we will be holding briefings with advisers on the techniques of recognising a wider range of peripheral and consequential client issues once the presenting issues have been dealt with and making sure these are well referenced in the client notes. Please look out for these opportunities.


Benefit Sanctions

Radio 4 File on 4, this coming Tue 21st Jan at 8pm,will focus on benefit sanctions and asks if disabled people are being set up to fail. http://www.bbc.co.uk/programmes/b04yk7h6


Bureau closure

The Bureau will next be closed for Easter on Good Friday 3rd April, Easter Monday 6th April and Tuesday 7th April.

Feedback

I always welcome feedback from staff and volunteers, you can ring me up on 01633 876128 send me an email at mal.edgson@torfaencab.org.uk, write me a letter, comment on this blog, place your comment or suggestion in the comments box in the Cwmbran meeting room or come and see me.


This Blog is prepared for the staff and volunteers of Torfaen Citizens Advice Bureau

Monday, 12 January 2015

Happy New Year

A Happy New Year to all At Torfaen CAB


Communities First project

We are very pleased to announce that this project has been funded for an additional year. The projects provides funds for 2 caseworkers to address debt and benefits issues at outreach locations in collaboration with Torfaen Communities First. The project began in Oct 2013.

The Advice Session Supervisor – The NEW ‘Go To’ person for everything.

You have told us very clearly that you think communication needs to be improved in the Bureau. A number of volunteers report that they don’t know who to go to when there is a problem.

We would like to make it clear that ALL problems should be fed through the On Duty Advice Session Supervisor. The Duty ASS will then raise an action with the member of the management team responsible. This will ensure that the ASS is always aware of problems that arise during an advice session and can make compensating arrangements to offset the problem if possible as well as making it easy to remember for everyone else.

The duty ASS is listed on the office diary which can be accessed from any bureau PC and at Cwmbran is also written on the lower office door.

The story of James and the Eviction

Client, a single divorced man living in Bron Afon property had been claiming ESA but stopped doing so because of emotional problems he suffered following a family bereavement. His failure to claim ESA affected his housing benefit and by the time the client started claiming ESA again he was in rent arrears of around £1700. While the client had agreed a repayment plan in November 2014 no payments were made because the client did not receive the payment card Bron Afon had agreed to send to him. Consequently Bron Afon commenced possession proceedings and the client was evicted on 9th December. The client attended the Gateway session in Cwmbran on 10th December the day following the eviction. James telephoned Bron Afon on the clients behalf and they agreed that the client could return to the property if he cleared the arrears. The client was able to clear the arrears the following day and was allowed back into the property.
This case is unusual in that the client was able to find £1700 to pay off the arrears in full but nevertheless shows that even after a tenant has been evicted all is not necessarily lost.
We done James, great result

TAX Help for Older People

TOPS are resuming their monthly clinics in bureau. The next one will take place on Friday 16th January, 10am to 12 noon.

Advice on wills, probate and powers of attorney

Solicitors Everett and Tomlin have asked if we would like another one of their solicitors to come to the bureau periodically (probably fortnightly) to give advice on wills, probate and powers of attorney. David is currently arranging this and it should be finalised shortly.

New volunteers

This week we are pleased to welcome Abigail Jones, John Hodgetts, David Roberts- Lloyd, Kelly Thompson to our team.

Frontline Debt Advisor from Newport CAB starts soon
As part of the Front line Advice project Lee a Debt caseworker from Newport will be offering Debt advice alongside our team 2days a week starting shortly. This mirrors the arrangement where Andrew provides Benefits casework out of Newport CAB. We will be organising appointments for Lee but he will be supervised out of Newport CAB. I am sure you will make him feel very welcome at Torfaen.

Adviceline style Webchat advice

Following a successful collaborative bid between Torfaen, Cardiff & The Vale, Caerphilly and Merthyr CAB’s we will shortly have an adviser and project manager one day a week to offer webchat general advice and gradually develop a volunteer team to fully operate the service by the end of the 14 month period of start-up funding. This project will be located next to the Advice line desk at Cwmbran.

Team meeting

The next team meeting will take place on Wed 25th February 1pm – 4pm and will focus on Citizens Advice campaign work with guest speaker from the Cymru campaigns team. All Bureau services will be closed that afternoon so that everyone can attend although the Shelter session will continue as normal.

Bureau closure

The Bureau will next be closed for Easter on Good Friday 3rd April, Easter Monday 6th April and Tuesday 7th April.

Feedback

I always welcome feedback from staff and volunteers, you can ring me up on 01633 876128 send me an email at mal.edgson@torfaencab.org.uk, write me a letter, comment on this blog, place your comment or suggestion in the comments box in the Cwmbran meeting room or come and see me.


This Blog is prepared for the staff and volunteers of Torfaen Citizens Advice Bureau


Sunday, 30 November 2014

24 Shopping Days to Go

Top 10 Tips to Avoid A Christmas Debt Hangover

Every year Citizens Advice publish advice articles to help people navigate the festive period. you can download their 'debt hangover'' advice here

Well Worth It

Generalist adviser Clive saw a gentleman last week who's attempt to purchase a car had gone a little badly. The gentleman had visited a car dealer to buy a VW. He had intended to purchase the car outright but was persuaded by the salesman to take out a credit agreement and he signed over a non refundable deposit. On returning home the client changed his mind and asked the garage to cancel the agreement and refund the deposit. The dealership refused because he had signed to agree the deposit was non refundable. 

Following our advice the client used social media to complain to VW who responded with an apology and £500 in compensation. A second letter of complaint to the dealership led to the cancelling of the contract and the refund the deposit. Well done to our client for getting a great result, well done Clive for helping him get there and well done VW and the car dealership for doing the right thing in the end.


Staff & Volunteer engagement survey

Thank you to the 25 people who completed our questionnaire. The overall picture you painted of working for TCAB was very positive. Happy.co.uk the company who organise the survey congratulated us on another very strong result and for the third year running we exceeded the benchmark scores on every single factor measured.

But this year you were slightly less positive on issues around communication, management and pay. You told us that you felt that often we were not as organised as we should be, do not communicate as well as we could and did not innovate enough. Thank you for this feedback, please be assured that we get the message and will do our best to respond in these areas. 

The Local Government pay award (we follow their terms and conditions) has now been agreed and will be passed on as soon as the new scale points are available. Staff can view the details of the pay award here


Diary changes

Our new Frontline Advice project started at the beginning of November. Whilst it only involves two of our caseworkers directly in the delivery the knock on changes have made some difference to the working week of nearly everyone.

The seven different projects which account for the majority of the bureau's funding all require different combinations of specialism, experience and location. Balancing this with the skills of our adviser team both paid and voluntary sometimes presents a bit of a puzzle to achieve the best solution. we hope that we have settled on the right changes until march 2015 but there will inevitably be further changes then, potentially affecting everyone a second time although we will try and keep changes to a minimum.


The TCAB Christmas Bash

Over 30 staff and volunteers of the bureau joined together for our Christmas Meal at the Unicorn in Pontypool last Friday. It was a lovely afternoon for good food, good wine, good company and chat. It was great to spend time talking to some that I have not had the chance to talk to before as well as old friends and colleagues.

A special message goes out to the Secret Santa who chose my present. The vintage stilton is excellent. Good choice.


Merry Christmas and a Happy New Year

This will be the last Blog before 2015 so I wish you all well and thank you for your hard work and generosity in 2014 and look forward to an even better 2015.



Feedback


I always welcome feedback from staff and volunteers, you can ring me up on 01633 876128 send me an email at mal.edgson@torfaencab.org.uk, write me a letter, comment on this blog, place your comment or suggestion in the comments box in the Cwmbran meeting room or come and see me.


Diary dates


Christmas closure: The Bureau will be closed from Mon 22nd Dec until Friday 2nd Jan inclusive. Staff are expected to take the period around the statutory holidays as annual leave as usual.


This Blog is prepared for the staff and volunteers of Torfaen Citizens Advice Bureau