The Money Advice Service - Quality Framework for Individuals Delivering Debt Advice

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Advice NI are delighted to announce we have gained accreditation from the Money Advice Service, as part of their Quality Framework for Individuals for our core Wiseradviser Northern Ireland training courses.  The Money Advice Service accredits organisations delivering debt advice training and qualifications against their Quality Framework.   This Framework sets out the minimum knowledge and skills that debt advisers need, mapped against the National Occupational Standards (NOS).   Agencies who receive funding from the Money Advice Service, or who apply for quality marks that adhere to their framework, will need to evidence that their advisers have completed accredited learning.  Therefore, this can now be evidenced by completing specific Wiseradviser courses.

The Framework consists of six debt activity sets.  These are:

  •          Initial Contact
  •          Support Work
  •          Advice Work
  •          Casework / Specialist
  •         Court Representation
  •          Supervision (Wiseradviser is currently developing training to achieve accreditation in this area.)

 

Wiseradviser courses have been clustered to form core courses that meet all of the MAS accreditation requirements of particular skills sets as demonstrated in the table below.

 

Debt Advice Activity

Wiseradviser Core Courses

Initial Contact

Introduction to Providing Debt Advice

Support Work

Advice Work

Good Practice: Providing High Quality Debt Advice (formerly Good Practice Dealing with Debt)

Negotiation & Communication Skills for Debt Advisers

Insolvency Options: (Includes)

·         Individual Voluntary Arrangements: The Essential Guide

·         Bankruptcy: The Essential Guide

·         Credit Referencing: The Essentials

·         Note: DRO Approved Intermediaries – The First Steps and Workshop are required as a pre-requisite for Insolvency Options.

Tailoring Advice: Strategies & Options for Dealing with Debt

 

Case Worker/Specialist

Getting to Grips with Your Personal Case Load

Rates: Enforcement & Liability

Skills for Effective Advocacy

Note: Understanding Debts and Courts in Northern Ireland is required as a pre-requisite for ‘Skills for Effective Advocacy’. Alternatively, advisers must have experience of or be working towards

·         Representing clients at High Court Chancery Division in relation to Bankruptcy or housing possession cases                   

·         Preparing a client to represent themselves at a court hearing                       

·         Negotiating with the Enforcement of Judgements Office for a client       

These entry requirements ensure that advisers will already have substantive and detailed experience of the workings of the Court system and representing clients in formal proceedings.

Court Representation

 

Please note that this model is based on a progression approach whereby learners build on the previous blocks of learning and must complete the courses at the previous level to move forward.

 

Wiseradviser has achieved accreditation for five activity sets, unprecedented in Northern Ireland, and is working towards achieving accreditation for ‘Supervision’ to complete the suite. Advice NI has been approved by MAS to deliver all these Wiseradviser courses which include face-to-face and e-learning delivery methods. Further information on the Quality Framework can be found here.

 

 

What This Means For Advisers

 

By completing the core Wiseradviser courses associated with a particular debt activity set, advisers will be able to demonstrate that they meet the MAS requirements for that set. Therefore, for each activity set, the core programme is the minimum training an adviser needs to demonstrate that they have completed accredited training and meet the requirements for Money Advice Service’s Quality Framework for Individuals.

It is essential to understand that meeting the MAS requirements provides advisers with the minimum training requirements for their role and that additional training is required to develop the technical knowledge and skills needed for debt advice. Wiseradviser provides a host of Continued Professional Development courses which should be studied alongside the core courses to enable a holistic approach and understanding of debt advice. We strongly recommend that advisers work towards a full set of Wiseradviser training (including optional courses) to ensure the advice they provide is accurate and effective.

 

 

How It Works

 

A new debt adviser accessing Wiseradviser courses would start by completing the Initial Contacts and Support Work core course.  They can then move through the learning pathway by completing the core courses for each debt activity skills set before moving on to the next. In addition to this advisers should complete the optional units associated with each skills set and work towards a full set of Wiseradviser training in order to offer good and effective advice. This holistic approach will enable advisers to meet the core competencies as well as additional specialist knowledge required for debt advice.

 

 

The table below illustrates the Wiseradviser NI core courses and recommended CPD learning for each of the debt activity sets.

 

Wiseradviser Northern Ireland Core Clusters

 

Optional courses  -

Initial Contact & Support:

  • Introduction to Providing Debt Advice

 

  • Selecting Appropriate Advice Methods and Tools
  • Giving Effective Advice by Email
  • Giving Effective Telephone Advice
  • Budgeting Skills and Tools for Debt Advisers
  • Boost Your Own Development

Advice work:

  • Good Practice: Providing High Quality Debt Advice (formerly Good Practice Dealing with Debt)
  • Negotiation & Communication Skills for Debt Advisers
  • Insolvency Options: (Includes)

Ø  Individual Voluntary Arrangements: The Essential Guide

Ø  Bankruptcy: The Essential Guide

Ø  Credit Referencing: The Essentials

Ø  Note: DRO Approved Intermediaries – The First Steps and Workshop are required as a pre-requisite for Insolvency Options.

·         Tailoring Advice: Strategies & Options for Dealing with Debt

 

  • Debt Relief Order Approved Intermediary: The First Steps (Pre-requisite)
  • Debt Relief Orders: Approved Intermediaries (Pre-requisite)
  • CASHflow: How to Use The Tool Effectively
  • Hire Purchase, Bills of Sale and Car Finance
  • Payday Loans: The Facts
  • Introduction to Student Loans
  • Getting Started with The Common Financial Statement
  • What You Need to Know About The Consumer Credit Act
  • Using the Consumer Credit Act in Practice
  • Effectively Challenging Utility Debt
  • Understanding Charging Orders and Orders for Sale
  • Understanding Banking Law
  • Understanding Debt Liability
  • Mental Health: Good Practice for Debt Advisers
  • Prevention of Homelessness as a Consequence of Debt
  • Debt Relief Orders: Dealing with Complex Cases

 

 

 

Caseworker/Specialist:

  • Getting to Grips with Your Personal Caseload: Effective Recording and Management
  • Rates: Enforcement and Liability
  • Skills for Effective Advocacy

 

Court Representation

  • Note: Understanding Debts and Courts in Northern Ireland or Court Action for the Enforcement of Judgments Office are required as a pre-requisite for Skills for Effective Advocacy.
  • Understanding Debts and Courts in Northern Ireland (Pre-Requisite)
  • Court Action for the Enforcement of Judgments Office (Pre-Requisite)
  • Time Orders
  • Time Limits for Recovering Debts Through the Courts
  • Advanced Mortgage Possession
  • Business Debts: Self-Employed Clients and Directors of Limited Companies

 

 

 

Recognising Prior Learning

The Money Advice Service is currently researching options available to recognise current competency or prior learning of advisers. Until this information is available, we recommend you begin the core learning clusters at the first debt activity set - Initial Contact and Support Work.

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