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Displaying 3697 contributions
COVID-19 Recovery Committee
Meeting date: 9 June 2022
John Mason
My amendment 67A is consequential to amendment 69, which is in the next group that we will debate. I will say more about that amendment at that point.
Amendment 67A would, in effect, amend Government amendment 67 so that my proposed changes to the protected minimum balance that is applied when someone is subject to a bank arrestment would come into force on 1 November 2022. As the Deputy First Minister said, that would introduce the change at an early opportunity.
COVID-19 Recovery Committee
Meeting date: 9 June 2022
John Mason
Would the member accept that, in effect, Parliament has a veto? That means that a conscious decision would have to be made at the time.
COVID-19 Recovery Committee
Meeting date: 9 June 2022
John Mason
I agree with the DPLR Committee and your argument that the made affirmative procedure was perhaps used a bit too often. I am just wary of ruling it out too much. Do you agree that there is some place for that procedure, albeit that it should not be used every day?
COVID-19 Recovery Committee
Meeting date: 9 June 2022
John Mason
I wonder whether the member has gone a little too far in the wording of amendment 119. I agree with much of what he has said: every child should have a laptop or something similar and an internet connection. However, if we took the amendment literally—when something is in law, we have to take it literally—it would mean that one child not having an internet connection would prevent a school, or possibly multiple schools, from closing. Does the member not feel that that is going a little too far?
COVID-19 Recovery Committee
Meeting date: 9 June 2022
John Mason
Well, if you want me to—
COVID-19 Recovery Committee
Meeting date: 9 June 2022
John Mason
Will the member give way?
COVID-19 Recovery Committee
Meeting date: 9 June 2022
John Mason
Does the member accept that there were different opinions on some of those things and that it is a question not of an error or a mistake, but of one choice being made against another choice?
COVID-19 Recovery Committee
Meeting date: 9 June 2022
John Mason
The Government responded rapidly to the Covid pandemic and introduced some welcome changes to the insolvency process. Unfortunately, the emerging cost of living crisis is putting further pressure on household budgets, which will regrettably lead to further instances of unsustainable debt, as has been underlined by StepChange and other charities.
I am aware of the advice sector’s concerns about the current bank arrestment process, which it thinks could be improved, taking into account the unique pressures that are faced by households. I understand that the issue has been raised recently during evidence to the Social Justice and Social Security Committee as part of its inquiry into low income and debt problems.
The current arrangements protect the sum of £566.51 through provision in the Debtors (Scotland) Act 1987. Those arrangements are linked to the arrangements for a wage arrestment in that that sum is the maximum monthly salary that is required before any wage arrestment can be enacted. I believe that it is right to decouple those arrangements and to fix the protected balance for bankruptcy separately by providing new powers to vary that by regulations that are subject to the negative procedure. That is the parliamentary procedure that is used for regulations to vary the wage arrestment threshold, which, in turn, amends the protected minimum balance.
I believe that the sum of £1,000 would offer a better level of protection than the current sum of £566.51. It would afford greater flexibility and financial resilience while being consistent with the level of funds that an individual can retain while pursuing debt relief through minimal asset process bankruptcy. As I mentioned during the debate on group 6, my amendment 67A in that group would make the new provision come into force on 1 November 2022.
I encourage the committee to support my amendment.
I move amendment 69.
COVID-19 Recovery Committee
Meeting date: 9 June 2022
John Mason
I thank members for their comments. I take Murdo Fraser’s point that we did not spend much time on the issue, but the committee looked at a range of measures around bankruptcy and related matters and, generally, the theme was to round figures up and make them a bit higher. Amendment 69 is fully consistent with that. Although £1,000 is a round figure and Mr Fraser might call it arbitrary, £566.51 is a very odd figure, and I have to say that I dislike that kind of level of detail. With the current inflation level, £566.51 is clearly not very much to live on. I therefore encourage members to support the figure of £1,000.
I press amendment 69.
Finance and Public Administration Committee
Meeting date: 7 June 2022
John Mason
Is that because the balance between the number of people who are self-employed and those who are employed can change a lot from year to year?