Robbing Peter to pay Paul: Low income and the debt trap

PDF Published: Saturday 02 Jul 2022 (SJSSS062022R8)

Expand
Report

Hide

Hide

Report
- Conclusions and recommendations
- Part 1: Low income and debt
  - Experts by experience
  - Households' financial resilience
    
    Impact of the rise in energy prices
  - Changing pattern of credit and debt
  - Households in financial crisis
    
    Scottish Welfare Fund
- Part 2: Management and recovery of "public debt"
  - Administrative error
  - Communication
  - Prioritising a person-centred approach
  - Council Tax
    
    Council Tax Reduction
  - Social Security direct deductions
  - Rent arrears
  - School meal debt
- Part 3: Barriers to debt advice
  - Stigma
    
    Information and awareness campaigns
  - Availability and demand
    
    Funding
  - Advice delivery
  - Digital exclusion
    
    Connecting Scotland
- Part 4: Early-intervention and prevention
  - Community link workers
  - Preventative approaches
  - Mental health
    
    Mental health evidence form
    
    Breathing space
- Part 5: Statutory debt solutions and debt enforcement
  - Bankruptcy
    
    Minimum debt threshold
    
    Bankruptcy cycle
  - Debt Arrangement Scheme
  - Debt enforcement
    
    Bank Arrestments
    
    Earnings arrestments
- Annex A - Minutes of Meetings
- Annex B - Written evidence
- Annex C - Focus Groups and Informal meetings
Sources

Citizens Advice Scotland. (2022). Written evidence to the Social Jutcie and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?sort=excerpt&order=ascending&uuId=980585564

Scottish Government. (2007). National Performance Framework, National Indicators. Retrieved from https://nationalperformance.gov.scot/measuring-progress/national-indicator-performance

Scottish Parliament. (2021, November 18). Note of informal focus group session. Retrieved from https://www.parliament.scot/-/media/files/committees/social-justice-and-social-security-committee/informal-focus-group-discussions-on-poverty-and-debt.pdf

Scottish Parliament. (2022). Experts by experience note of discussion and recommendations for the Social Justice and Social Securty Committee. Retrieved from https://www.parliament.scot/-/media/files/committees/social-justice-and-social-security-committee/experts-by-experience-experience-and-recommendations.pdf

Scottish Parliament. (2022, April 28). Officil Report of the Scottish Parliament. Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/what-was-said-in-parliament/SJSS-28-04-2022?meeting=13724

Scottish Fiscal Commission. (2022). Written briefing on the Medium-term Financial Strategy and Resource Spending Review for the Social Justice and Social Security Committee's meeting on 9 June 2022. Retrieved from https://www.parliament.scot/~/media/committ/3541

Scottish Parliament. (2022, June 9). Meeting of the Parliament (Hybrid). Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/what-was-said-in-parliament/meeting-of-parliament-09-06-2022?meeting=13809&iob=125208

Cloae the Gap. (2022). Written evidence to the Social Justice and Social Security Commitee. Retrieved from https://www.parliament.scot/-/media/files/committees/social-justice-and-social-security-committee/lidp-inquiry-additional-information-or-submissions/20220518_close-the-gap_womens-experience-of-low-income-and-debt.pdf

Scottish Parliament. (2022, May 12). Official Report of the Social Justice and Social security Committee. Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/what-was-said-in-parliament/SJSS-12-05-2022?meeting=13747

Scottish Parliament. (2022). Official Report of the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/what-was-said-in-parliament/SJSS-19-05-2022?meeting=13764

House of Commons Library. (2022, May 9). Fuel Poverty. Retrieved from https://researchbriefings.files.parliament.uk/documents/CBP-8730/CBP-8730.pdf

The Scottish Parliament. (2021, December 14). Letter to Cabinet Secretary for Net Zero, Energy and Transport, Tackling Fuel Poverty in Scotland: A Strategic Approach, Annexe A: informal focus group discussion. Retrieved from https://www.parliament.scot/chamber-and-committees/committees/current-and-previous-committees/session-6-social-justice-and-social-security-committee/correspondence/2021/tackling-fuel-poverty-in-scotland-a-strategic-approach

Scottish Parliament Net Zero. Renergy and Transport Committee. (2022). Short inquiry into energy price rises. Retrieved from https://www.parliament.scot/chamber-and-committees/committees/current-and-previous-committees/session-6-net-zero-energy-and-transport-committee/business-items/energy-price-rises

Scottish Parliament. (2022, June 23). Meeting of the Parliament (Hybrid) . Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/what-was-said-in-parliament/meeting-of-parliament-22-06-2022?meeting=13838&iob=125493

UK Government HM Treasury. (2022, June 20). News story: Regulation of Buy-Now-Pay-Later set to protect millions of people. Retrieved from https://www.gov.uk/government/news/regulation-of-buy-now-pay-later-set-to-protect-millions-of-people

Govan Law Centre. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?show_all_questions=0&sort=submitted&order=ascending&_q__text=universal+credit&uuId=1024411586

Child Poverty Action Group in scotland. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=237033889

Aberlour. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=769761367

Scottish Parliament. (2022, January 13). Official Report of the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/what-was-said-in-parliament/SJSS-13-01-2022?meeting=13518

UK Government. (2022). Fairness in government debt management: a call for evidence. Retrieved from https://www.gov.uk/government/consultations/fairness-in-government-debt-management-a-call-for-evidence

Anonymous 581056859. (2022). Written evidence. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=581056859

Lloyds Bank Foundation England and Wales. (2022, May). Deductions: Driver of Poverty. Retrieved from https://www.lloydsbankfoundation.org.uk/we-influence/welfare-deductions

Accointant in Bankruptcy. (2022, June 7). Letter to the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/-/media/files/committees/social-justice-and-social-security-committee/lidp-inquiry-additional-information-or-submissions/20220607_aib_follow-up-to-evidence-session.pdf

Loretta Gaffney. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=755796643

Scottish Parliamet. (2022, June 23). Official Report of the Social Justice and Social Security Committee. Retrieved from http://archive2021.parliament.scot/parliamentarybusiness/report.aspx?r=13842

Denny and Dunipace Citizens Advice Bureau. (2022, May 3). Letter to the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/-/media/files/committees/social-justice-and-social-security-committee/lidp-inquiry-additional-information-or-submissions/20220502_charlene-kane-cab_follow-up-to-28-april-evidence-session.pdf

Citizen Advice Scotland. (2022, June 14). Further written evidence to the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/-/media/files/committees/social-justice-and-social-security-committee/lidp-inquiry-additional-information-or-submissions/20220614_cas_further-information-low-income-and-debt-problems-inquiry.pdf

The Trussell Trust. (2022, February). Debt to Government, Deductions and Destitution. Retrieved from https://www.trusselltrust.org/wp-content/uploads/sites/2/2022/02/Debt-to-government-deductions-and-destitution-qualitative-research-report.pdf

UK Parliament. (n.d.) House of Lords report, Universal Credit isn't working: proposals for reform. Retrieved from https://publications.parliament.uk/pa/ld5801/ldselect/ldeconaf/105/10504.htm

UK Government. (2020, October 30). UK Government response to the report, Universal Credit isn't working: proposals for reform. Retrieved from https://committees.parliament.uk/publications/3020/documents/28598/default/

Shelter Scotland. (2022). Written evidence to the Social Justice and Social Security Committee.

AgeScotland. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=834638353

Glen Housing Association. (2022). Written evidence. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=599163378

Stirling Council. (2022). Written evidence t the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=500408430

Scottish Government. (2019, December 17). Tackling problem debt advice: routemap. Retrieved from https://www.gov.scot/publications/debt-advice-routemap-scotland/pages/2/

StepChange. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=844531163

Poppyscotland. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=623149874

CELCIS. (2022). Written ecidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=671864621

Scottish Parliament. (2022, May 26). Official Report of the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/chamber-and-committees/official-report/what-was-said-in-parliament/SJSS-26-05-2022?meeting=13789

Scottish Government. (2022, January 19). Letter from the Cabinet Secretary for Social Justice, Housing and Local Government to the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/-/media/files/committees/social-justice-and-social-security-committee/correspondence/2022/20220119_response-from-cabsecsjhlg-to-debt-and-low-income-letter.pdf

Positive Action in Housing. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=1042410639

Scottish Government. (2022, January 21). Letter to the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/chamber-and-committees/committees/current-and-previous-committees/session-6-social-justice-and-social-security-committee/correspondence/2022/evidence-session-on-the-scottish-budget-follow-up-information

Anonymous. (2022). Written evidence to the Social Justice and Social Security Commitee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=42521613

Anonymous. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=109801832

GEMPA Scotland. (2022). Writteen evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=1017760090

Christians Against Poverty Scotland. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=207515568

Poverty Alliance. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=910951011

The City of Edinburgh Council. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=444608075

Diabetes Scotland. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=720975051

Scottish Parliament. (2022, April 25). Note of informal meeting between the Social Justice and Social Security Committee and the Anchor Project. Retrieved from https://www.parliament.scot/-/media/files/committees/social-justice-and-social-security-committee/20220425_informal-meeting-with-shetland-anchor-project.pdf

Scottish Government. (2022, March 24). Best Start, Bright Futures: tackling child poverty delivery plan 2022 to 2026. Retrieved from https://www.gov.scot/publications/best-start-bright-futures-tackling-child-poverty-delivery-plan-2022-26/documents/

SAMH. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=250263877

Scottish Parliament. (2021, October 25). Answer to Written Question S6W-03588: To ask the Scottish Government whether it will provide an update on the ambition set out in its Suicide Prevention Action Plan to reduce suicide rates by 20% by 2022. . Retrieved from https://www.parliament.scot/chamber-and-committees/written-questions-and-answers/question?ref=S6W-03588

Accountant in Bankruptcy. (2022, May 13). Stage 2 Working Groups - Group 1 Report. Retrieved from https://www.aib.gov.uk/stage-2-working-groups-group-1-report

Centre for Scots Law at the University of Aberdeen. (2022). Written evidence to the Social Justice and Social Security Committee. Retrieved from https://yourviews.parliament.scot/sjssc/low-income-debt-problems-inquiry/consultation/view_respondent?uuId=149186451

Scottish Parliament. (2022, June 23). Scottish Parliament Information Centre paper. Retrieved from https://www.parliament.scot/~/media/committ/3672

Accountant in Bankruptcy. (2022, May 13). Stage 2 Working Groups - Group 3 Report. Retrieved from https://www.aib.gov.uk/stage-2-working-groups-group-3-report

Accountant in Bankruptcy. (2021). Scottish diligence statistics. Retrieved from https://www.aib.gov.uk/about-aib/statistics-data/diligence-statistics

Scottish Parliament. (2022, June 9). Official Report of the COVID-19 Recovery Committee. Retrieved from https://www.parliament.scot/api/sitecore/CustomMedia/OfficialReport?meetingId=13813

Alan McIntosh. (2022, May 26). Letter to the Social Justice and Social Security Committee. Retrieved from https://www.parliament.scot/-/media/files/committees/social-justice-and-social-security-committee/lidp-inquiry-additional-information-or-submissions/20220526_lidp-inquiry_correspondence-from-alan-mcintosh-following-26-may-session.pdf

Last Updated: 23/5 5:35pm

An error occured while loading, please try again in a few minutes.