Certainly not at the moment. We are open in Greenock and in three areas in Glasgow. We are moving into Midlothian, and we are going to move into Clackmannanshire. The idea is to widen the scope in Scotland over the next five years.
We do not charge our customers but work alongside housing associations and councils and get them to buy in our service, which we then deliver. However, the money that councils and housing associations have to buy into the service has been more restricted, so it has taken a lot longer for Grand Central Savings to develop—that has been the stumbling block.
We would like to get out to as many people in Scotland as possible. Grand Central Savings is about people, and as long as people need this service, we need to get out there and provide it.
I would really like to do some work on remote areas. Some research is needed on that, and on how we could operate a different model there.
Another thing that we added at Grand Central Savings recently is what we call the HomeGuard account, whereby we can directly pay for people before they actually get the money into their account. We can pay for things such as rent arrears, but we work with the person on the whole package. It is a bit like a jam-jar account.
We are trying to expand that service, and to let councils and housing associations see its value, particularly if universal credit comes in, because we can prevent the money from going straight into people’s hands. I know from the people I work with that—believe me—there is going to be a lot of debt in the councils and housing associations.
At the moment we are supported by the lottery and we are going to the Scottish Government—we may as well warn you—to see if we can get some additional help. However, the councils and housing associations also need some help. They are keen on working with us and on us being out in their communities, but it is a question of getting the funding package together.
We try to keep the cost as low as possible and we have changed our model to make things easier, because getting the service out is what I am more interested in.
I hope that I have answered the question.