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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 16 July 2025
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Displaying 825 contributions

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Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

Right, so you think that there are situations in which it is not important or not relevant?

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

I do not want to interrupt you, but that already happens with pawnbroking; it is just that people have to give the asset away and they are not able to use it. Do you think that that is better?

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

You think that they should be notified before it goes on the register.

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

Again, that is very clear. Although the provision addresses some of the concerns, do you think that it goes far enough for consumers to be protected if they pay the wrong person? Does it need to go further?

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

I worry about mischaracterising what was said, but what I heard from the previous panel was that, if a person is in a student block of flats and they are paying money, it is easier for them not to know that the person to whom they owe money has changed. As long as they have the account details to pay it into, it is actually easier for the person not to get a notification every time that the future debt changes hands. Do you think that that is right or are you saying very firmly that it is wrong?

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

I will ask a couple of questions about assignation. Principally, will there be any challenges if assignation is able to occur by both intimation and registration? Do you have a view on whether both types of claim might continue?

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

If that happened, a person would know and would instantly be able to change their behaviour or their approach to how they manage that debt within their business.

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

The bill makes it easier for debts to be transferred, and it makes it easier for that to happen without a person knowing.

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

Why is there felt to be a need to restate it in the bill?

Delegated Powers and Law Reform Committee

Moveable Transactions (Scotland) Bill: Stage 1

Meeting date: 4 October 2022

Oliver Mundell

I have another question to ask before Mike Dailly comes in. It is slightly out of my area of questioning. If consumers or individuals know whom they owe money to, they have an idea of how that debt might be treated and how they will act. It is the same for smaller businesses: if a person thinks that they owe money to a friendly supplier with which they have done business for a number of years and the business that they owe money to changes without the person knowing, they could suddenly find that the debt is handled differently. Does that consumer protection issue arise, or should we not worry about it?