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I believe that local authorities such as the Highland Council try to help debtors who find themselves in difficult circumstances.We welcome many of the measures in the bill; I have set out in our submission many of the fairly obvious plus points.
Increasingly, we are developing international contacts. It is increasingly apparent that many countries across the world are working at different stages of very similar agendas.
That something would be better than the nothing that is in place in many parts of Scotland. I will pick up one or two comments by starting where you finished and working back.