Briefing for the parliamentary debate at Stage 3 of the Bankruptcy & Diligence etc. (Scotland) Bill

The proposals would give a creditor the right to apply for a decree giving rights over a person’s home in order to secure a debt of as little as £3001. Prevention of homelessness is a central aim of the Scottish Parliament, yet this Bill would provide a new route to homelessness that can be exploited by creditors. Shelter urges MSPs to support all of the following amendments to ensure this harsh method of debt recovery is used proportionately and as a last resort.