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Chamber and committees

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 14 July 2025
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Displaying 987 contributions

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Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

Thank you very much for that, Kirsty McKechnie. I have seen cases in which tax credit debt, which is sometimes from years ago, is in the thousands of pounds. A family can never get out of that debt, particularly when they cannot find the historical information to try to defend their position or change the outcome.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

Betty Stone would like to respond, and then we will hear briefly from Kirsty McKechnie.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

I will take two final questions before we stop for a wee pause, from Paul McLennan and then Foysol Choudhury.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

That would be helpful.

We will move on to our fourth theme, which is about the role that the social security system plays in relation to debt. I will bring in my colleague Emma Roddick, who is online.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

Pam Duncan-Glancy has a supplementary question.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

Thank you for that compelling evidence—it is important for us to hear the testimony from those young people. Young people always know when there are issues with poverty and debt in the family, and they carry that huge responsibility on their shoulders.

Emma Roddick wants to come in with a question on data.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

That is an important point as well. We always need to remember that people in work are among the people who are experiencing severe hardship at the moment. More people who are in work will perhaps find themselves in that position further down the line.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

That is the perfect spot to stop and take a break. I will suspend the meeting for five minutes, if that is okay for everybody. If you need to dip away—we have asked our witnesses to be here for two hours—please let the clerks know if you are not able to stay for the whole of the next session.

10:11 Meeting suspended.  

10:16 On resuming—  

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

I will pick on somebody. Paul Ferguson has put an R in the chat function. I think that that was for the previous question, but I ask him to comment.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 19 May 2022

Elena Whitham

We now turn to our next item of business, which is an evidence session on our inquiry into low income and debt problems. So far, we have run sessions with our experts by experience panel, who have been sharing their lived experience of debt with the committee. We also held formal evidence sessions on 28 April and 12 May. Today, we will hear from a large panel of witnesses to discuss a range of arrears.

Online, we are joined by: Paul Ferguson, member and association executive of the Institute of Revenues, Rating and Valuation, and revenues and benefits manager at Falkirk Council; Gordon MacRae, assistant director of communications and advocacy at Shelter Scotland; and Kirsty McKechnie, early warning systems project manager at the Child Poverty Action Group in Scotland. In the room with us are: Betty Stone, convener of the Edinburgh Tenants Federation; Karen Carrick, evaluations manager at the Improvement Service; and Martin Canavan, head of policy and participation at Aberlour. Good morning, everyone, and thank you very much for making yourselves available.

I will highlight a few housekeeping points to kick us off. We have a large panel and the issues that will be raised will be cross cutting. Given your areas of expertise, you might not need to contribute to all points raised. We are here for two hours, and we will have a wee break in the middle—I think that we will need it. Do not feel compelled to speak to every point that we raise. You can always follow up in writing, if you think that there is something that we need to know.

If you are in the room, please indicate that you want to come in by raising your hand. If you are on BlueJeans, type R in the chat box. I will be keeping an eye on that, so that I can bring you in as well. I ask that you give our broadcasting colleagues a wee second to turn on your microphones before you start speaking. I will not forget the comfort break at 10 o’clock, because I think that we will all need one by then.

I turn to questions—we have a lot of them. I will ask members to speak in turn. The first question is from Paul McLennan, who is in the room. Paul will be followed by Jeremy Balfour.