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Seòmar agus comataidhean

Official Report: search what was said in Parliament

The Official Report is a written record of public meetings of the Parliament and committees.  

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Dates of parliamentary sessions
  1. Session 1: 12 May 1999 to 31 March 2003
  2. Session 2: 7 May 2003 to 2 April 2007
  3. Session 3: 9 May 2007 to 22 March 2011
  4. Session 4: 11 May 2011 to 23 March 2016
  5. Session 5: 12 May 2016 to 5 May 2021
  6. Current session: 12 May 2021 to 13 July 2025
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Displaying 1472 contributions

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COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

Thank you. I think that there is a slight problem with your sound. We could hear you, but it was a bit fainter than the previous witness’s sound.

COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

It is slightly better.

COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

Thank you, Mr Smith. I ask Professor Hunter the same question: what do you believe are the principles that underpin good-quality and effective legislation?

COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

We have a couple of minutes left, so I will bring in Murdo Fraser.

COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

I am sorry, Professor McKenzie Skene, but we are having a few problems with your sound. We will move on to David Menzies for the moment.

COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

Brilliant. Thank you very much, and a warm welcome to you.

My first question is about the proposed bankruptcy threshold. The emergency coronavirus legislation increased the debt threshold at which a creditor can make someone bankrupt from £3,000 to £10,000 during the pandemic. The bill proposes to set the threshold permanently at £5,000. What is the panel’s view on the level of the bankruptcy threshold?

COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

Thank you, Abbey. You raise some very valid points in relation to the increase in the cost of living.

COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

I am sorry, but we are still having technical issues with your audio.

COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

Thank you. That was very interesting. I was not aware of the number of bankruptcies that are initiated by the Government and local authorities.

COVID-19 Recovery Committee

Coronavirus (Recovery and Reform) (Scotland) Bill: Stage 1

Meeting date: 3 March 2022

Siobhian Brown

Actually, we do have a little bit of time, as we are going to 11:30.

This might be covered under the on-going bankruptcy review, but our committee received an interesting submission this week that I wanted to raise and ask your views on. Bearing in mind the cost of living crisis and the fact that families have been made bankrupt and had their wages and bank accounts arrested, I think that the person who got in touch with us asked the valid question whether the bill could be an opportunity to provide people who are struggling financially with increased protection from bank account arrestments. We have been told that such arrestments can leave people with only £529 in their bank accounts, regardless of whether they are single or a couple with three or four kids. One example that was highlighted was of a family with two children. When their bank account was arrested, they were left with £529 to survive on for the rest of the month, and they had to choose between food, gas, electricity and travel and childcare costs. Could there be an opportunity to amend the Debtors (Scotland) Act 1987 to increase the amount that people are left with in their bank accounts from £529 to, say, £1,000?

Perhaps we could start with Abbey Fleming.