Debt (Gendered Impact)

General Question Time – in the Scottish Parliament at on 11 December 2025.

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Photo of Ruth Maguire Ruth Maguire Scottish National Party

To ask the Scottish Government what consideration it gives to the gendered impact of debt in its child poverty and social security policies. (S6O-05280)

Photo of Shirley-Anne Somerville Shirley-Anne Somerville Scottish National Party

The Scottish Government recognises the impact of debt on families, particularly women, and it encourages all public bodies to share good practice on debt collection. Our approach includes having a social security system that is underpinned by the values of dignity, fairness and respect.

We have committed to exploring further pilot activity on gender budget tagging for the 2026-27 budget, building on the work that was done last year with the Organisation for Economic Co-operation and Development. We are consulting a range of stakeholders on the development of our final tackling child poverty delivery plan, including the National Advisory Council on Women and Girls, to ensure that the plan tackles gender inequalities.

Photo of Ruth Maguire Ruth Maguire Scottish National Party

It is well understood that domestic abuse can entail financial abuse, including coerced debt, and that single parents are around three times more likely to have experienced domestic abuse. Unfortunately, public debt processes too often do not reflect that knowledge and understanding, and they can perpetuate the impact of financial abuse and coerced debt.

The excellent report by Professor Morag Treanor for Aberlour Children’s Charity, One Parent Families Scotland and the Trussell Trust recognises that the issue requires action from all spheres of government. Will the Scottish Government consider reforming council tax joint liability rules, for example, so that women who are fleeing abuse are not automatically made responsible for debts that have been accrued by their abusers, to protect victims/survivors from debts that result from financial abuse and coercion?

Photo of Shirley-Anne Somerville Shirley-Anne Somerville Scottish National Party

I recognise the challenge that many women face when they are faced with domestic and coercive abuse of that kind. The Aberlour report shines a light on that important issue, and the Government is taking action, but we are always keen to see what more we can do through the child poverty delivery plan.

I hope that I can reassure Ruth Maguire, at least in part, by pointing to the Scottish Government’s funding for Citizens Advice Scotland’s council tax debt project, which extends right across Scotland, to improve access to services for people who are struggling with council tax debt, provide wider, more holistic support and ensure best practice by councils.

There is also the financially included project, which responds to economic abuse and includes a national helpline that my colleague Màiri McAllan launched officially yesterday.

The Housing (Scotland) Act 2025 also places a duty on Scottish ministers to undertake within one year a review of the impact of joint and several liability for council tax arrears—

Photo of Shirley-Anne Somerville Shirley-Anne Somerville Scottish National Party

—for those who have experienced or are experiencing domestic abuse, who are primarily women, as suggested by Ruth Maguire.

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