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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 4 May 2021
  6. Current session: 13 May 2021 to 7 February 2026
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Displaying 529 contributions

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Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 27 September 2022

Oliver Mundell

A house is generally of higher value, which balances out the risk.

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 27 September 2022

Oliver Mundell

That is helpful. There have also been some concerns about privacy. What thoughts do you have on that?

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 27 September 2022

Oliver Mundell

I am sure that they will be.

I want to move on to some of the consumer issues. We have mentioned a few times that the impact will only be on high-value items. Before going into the consumer stuff, I am interested in the minimum sums that will be involved.

The issue has been picked up quite a lot outside the Parliament, and I know that you have made representations on it. I just want to understand where the £1,000 figure came from, what you think is the right threshold and why you went for a fixed-sum model rather than one that identifies types of moveable good to which the bill should apply.

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 27 September 2022

Oliver Mundell

I guess that the horse has bolted a bit in that there is now a lot of interest in that aspect of the bill. Would there be any negative aspects to putting something on that in the bill? At the moment, through secondary instruments, it is possible to exclude items from becoming covered by the bill, but is there any merit in putting that in plain English in the bill?

Delegated Powers and Law Reform Committee

Interests

Meeting date: 27 September 2022

Oliver Mundell

I have no interests to declare, convener.

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 27 September 2022

Oliver Mundell

Yes.

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 27 September 2022

Oliver Mundell

That is why I referred to the lower end. There is obviously a cost in recovery, and effort is involved in doing that—

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 27 September 2022

Oliver Mundell

That is helpful.

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 27 September 2022

Oliver Mundell

Yes, but that is a ministerial thing. What I am saying is that it might provide reassurance to some of the parties that have commented on the bill to move that into the bill so that it is in the primary legislation. The question is whether you see any negative aspects to excluding ordinary household goods from these provisions up front.

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 27 September 2022

Oliver Mundell

I understand that that is easier from a legal or technical point of view. However, with regard to consumer protection, those might be questions that we should be asking: are we allowing people to secure debt against things that they cannot live without?