Some 23% were unaware that failure to pay a secured loan meant your house could be sold to pay for the loan; 7% thought that it involved selling off the contents of your house. So it is good news that the Government is planning to step up financial education in schools to give young people a chance of avoiding muddled finances in adulthood. While much excellent work is being done by some teachers, others, hard-pressed on a number of fronts, aren’t convinced that helping young people to function financially can make an enormous difference to their future wellbeing. So it makes sense for the Government to try to get money matters interwoven into a variety of classes, and on Friday it announced plans to use the child trust fund in maths and other lessons to get children focusing on real money in their lives. So to recap, claims have technically been frozen but Scots hoping to claim back six years’ worth of charges must lodge their claims now, because that clock is still ticking. read more