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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 15 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

I will push back a bit on that with the same line of questioning that I used in the earlier evidence session. In my constituency work, I see people who are accessing bad lending all the time. It is not that I think that these products are good, but, as you have said, when people are in desperate straits, they are at the end of their options for accessing safer products. It is a case of balancing that moral question—why do we think it is okay to let people access existing products but not this?

The other issue is that we know that there is a problem with unregulated debt: there is a black market in debt where people borrow illegally. For people in that very vulnerable position, is there any advantage in bringing some of that into the open? For example, to take your example of a hire purchase agreement on a car, there are people who cannot access hire purchase agreements because of their credit records or because they are not allowed to borrow at all. This is not my personal view, but, in scrutinising the bill, I feel that I should push back on that and ask for your thoughts on it.

Meeting of the Parliament

General Question Time

Meeting date: 29 September 2022

Oliver Mundell

To ask the Scottish Government what accountability mechanisms are available to communities who believe that they are receiving inadequate general practitioner services. (S6O-01410)

Meeting of the Parliament

General Question Time

Meeting date: 29 September 2022

Oliver Mundell

I have been inundated with concerns from constituents in Moffat and Lockerbie who are struggling to access GP appointments. They report that there are frequently times when no GP is available to see anyone face to face and that they offered telephone consultations only, which forces people towards accident and emergency departments. I and other local representatives, including the chair of Lockerbie community council, who is in the public gallery, have raised concerns with the health board, but it refuses to intervene. What can be done?

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—