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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 18 July 2025
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Displaying 1390 contributions

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Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

Thank you very much, Susie. That explains clearly how an organisation such as GDA is really well placed to deliver that inclusion work, using the connecting Scotland funding that is available.

I move to questions from Jeremy Balfour.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

I can see from the chat that Lawrie Morgan-Klein wants to come back in. Could you make it brief, please, because Pam Duncan-Glancy has some more questions to ask?

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

I am conscious of the time, and I know that Heather O’Rourke wants to come back in. I will give her the opportunity to make the point that she wants to make before I close the session.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

Thank you. That was a very important point to bring to our attention, and that was a great way to end the session.

I thank the witnesses for their evidence, some of which was quite difficult to hear—it would have been difficult to deliver to us, as well. If the witnesses feel that anything was missing this morning, they should feel free to follow that up in writing.

The committee will not meet next week, as the council elections are on Thursday 5 May. Like Paul McLennan and Evelyn Tweed, I will cease to be a local councillor on that day. We will be back on 12 May to continue taking evidence in the inquiry.

I close the public part of the meeting.

11:07 Meeting continued in private until 11:33.  

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

Our next item of business is an evidence session as part of our inquiry into low income and debt problems. Back in November, we met a group of people experiencing problem debt. What they told us during that meeting has formed the basis of the inquiry, and we are now delving further into the issues that were raised. We thank them for sharing their experiences with the committee and we look forward to continuing to engage with them throughout this work.

I put on record my thanks to everyone who took the time to respond to the committee’s call for written views. We really appreciate the work that goes into submissions.

This morning, we will hear from two panels. First, we will take evidence from front-line advisers who work directly with people experiencing debt problems. I welcome to the meeting Alan McIntosh, an approved money adviser at Advice Talks Ltd; Charlene Kane, an Armed Services Advice Project regional support officer at the Denny and Dunipace citizens advice bureau; Matthew Irvine, a money adviser at Advice Direct Scotland; and Jim McPake, a debt adviser at North Lanarkshire Council.

I will make a few housekeeping points before we kick off. I know that, for some of you, this is the first time that you have given evidence; for others, it might not be. We have about an hour for this session. Given that you are all taking part remotely, keep an eye on the chat box on the BlueJeans screen. Do not feel that you have to answer every question, but if you have something to say that you want us to hear, please type an R in the chat box, which I will keep my eye on. Please give our broadcasting colleagues a wee second to turn your microphone on before you start to speak.

I will ask the first questions. How long have you been working as a debt adviser? What are your biggest concerns over the next 12 months? I will come to each of you in turn, in the order that I can see you on the screen. I will bring in Alan McIntosh first.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

I thank all our witnesses for taking part this morning and for sharing their worked and lived experience with us.

I suspend the meeting to change panels and give members a short comfort break.

09:58 Meeting suspended.  

10:04 On resuming—  

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

Thank you. That helps to set the scene for us.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

I have a request in the chat box from Conor Forbes who would like to add to that, and then it would be helpful to hear from Susie Fitton about the Inclusion Scotland perspective.

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

Susie Fitton, do you have anything to add?

Social Justice and Social Security Committee

Low Income and Debt Inquiry

Meeting date: 28 April 2022

Elena Whitham

Who wants to come in first? On you go, Lawrie.