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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 May 2025
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Displaying 764 contributions

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Economy and Fair Work Committee

Skills Delivery Landscape

Meeting date: 27 September 2023

Murdo Fraser

That is helpful.

On funding, did you look at all at the apprenticeship levy and how that is allocated? I hear from UK-wide employers that south of the border, there is much more transparency around the apprenticeship levy and how employers can access it. In Scotland, the levy seems to go into the block grant. I have asked parliamentary questions to try to understand how much of the apprenticeship levy money goes into actually funding apprenticeships. Trying to understand that is like getting through treacle. Were you any more successful in understanding where that funding goes?

Economy and Fair Work Committee

Bankruptcy and Diligence (Scotland) Bill: Stage 1

Meeting date: 27 September 2023

Murdo Fraser

That is a very practical point—thank you for raising it. Do our witnesses from the City of Edinburgh Council have anything to add?

Economy and Fair Work Committee

Bankruptcy and Diligence (Scotland) Bill: Stage 1

Meeting date: 27 September 2023

Murdo Fraser

Thank you. That is very helpful. Are there any other areas of bankruptcy reform, whether within or outwith the bill, that you think should be highlighted? I am sorry—I realise that that is a very open question.

Economy and Fair Work Committee

Bankruptcy and Diligence (Scotland) Bill: Stage 1

Meeting date: 27 September 2023

Murdo Fraser

Good morning. I want to ask about other aspects of reform. This is a very narrowly focused bill, so there are issues that are perhaps not covered by the bill that we have heard raised by other witnesses. Specifically, we have heard calls in relation to minimal asset process bankruptcy. At the moment, individuals can apply for minimal asset process bankruptcy only once every 10 years. Calls have been made for that period to be reduced, perhaps to five years, or for the time limit to be removed altogether. Does anybody have a view on that as a potential addition to the bill? If you have no view, that is absolutely fine.

Economy and Fair Work Committee

Bankruptcy and Diligence (Scotland) Bill: Stage 1

Meeting date: 27 September 2023

Murdo Fraser

That is fine.

Economy and Fair Work Committee

Skills Delivery Landscape

Meeting date: 27 September 2023

Murdo Fraser

Good morning. I will go back to some of the answers that James Withers gave to Maggie Chapman on apprenticeships. Your report has a lot on apprenticeships and apprenticeship funding, and you have expressed your view on graduate apprenticeships, which are an exciting development for people who want to experience work and also get a qualification.

One frustration that I find when I speak to employers is that they offer apprenticeships but feel that they do not get any funding support from the public sector. When I speak to Skills Development Scotland about that issue, they recognise it and they say that apprenticeship places are oversubscribed.

I hear what you say about funding, but is it fair to say that apprenticeships have become the poor relation in the skills landscape? Do we need to do more to level up the funding for apprenticeships?

Economy and Fair Work Committee

Bankruptcy and Diligence (Scotland) Bill: Stage 1

Meeting date: 20 September 2023

Murdo Fraser

Good morning. I will have to say sorry to Becca Stacey as I think that the questions that I am going to ask are outwith her remit, so I will just direct them to Sarah-Jayne Dunn. I apologise, but you are on your own for this, Sarah-Jayne, if that is all right.

Economy and Fair Work Committee

Bankruptcy and Diligence (Scotland) Bill: Stage 1

Meeting date: 20 September 2023

Murdo Fraser

I will broaden out the issues a little bit and consider some of the other things that are in the bill as well as what is not in it.

An issue that we have picked up in evidence is the minimal asset process bankruptcy. As you know, there is a rule that an individual can apply for that only once every 10 years, and it has been suggested to us that the bill could be amended to relax that. I am interested to get the perspective of Citizens Advice Scotland on that.

Economy and Fair Work Committee

Bankruptcy and Diligence (Scotland) Bill: Stage 1

Meeting date: 20 September 2023

Murdo Fraser

That was a clear answer.

Are there any risks in moving away from 10 years? I ask the question as a member of the predecessor committee that dealt with the Bankruptcy and Diligence etc (Scotland) Act 2007, which I think introduced the policy in the first place. If I remember correctly, one of the concerns that came up at that point was that if people on a very low income and with very low assets were not able to access mainstream lending in any form, they would, potentially, be left in the hands of the illegal loan shark sector. Might there be some risk of that, if the 10-year rule were relaxed?

10:30  

Economy and Fair Work Committee

Bankruptcy and Diligence (Scotland) Bill: Stage 1

Meeting date: 20 September 2023

Murdo Fraser

That was very clear. Thank you.

Finally, do you have any comments on bankruptcy reform in the bill, or should anything else be put into the bill that is not currently there?