NEW POLL: 50% of low-paid workers have suffered income loss in the pandemic, compared to 29% of high earners
TUC budget submission calls for a “workers’ budget” and extension of JRS to the end of 2021
New polling, published this week by the TUC, finds that low earners are more likely than middle and higher earners to have been forced to cut spending and take on debt during the pandemic.
The poll findings (conducted for the TUC by BritainThinks) come as the TUC publishes its budget submission, which calls on the Chancellor to improve pandemic support for low- paid workers, and to invest in job protection and creation to prevent an unemployment crisis following the pandemic.
Low paid workers and the pandemic’s impacts
Over a third (37%) of workers said that their household had suffered a reduction in disposable income since the pandemic began.
This rises to half (50%) for workers with annual earnings below £15k, while it is just three in ten (29%) for workers earning more than £50k.
The lowest earners are also the most likely to have had to reduce spending and take on debt.
Percentage of workers saying that since start of pandemic they have….
Annual earnings
(1) Less disposable income
(2) Needed to reduce spending
(3) Taken on more debt
Less than £15k
50%
46%
29%
Between £15k and £29k
35%
30%
18%
Between £29k and £50k
33%
31%
20%
More than £50k
29%
24%
18%
All workers
37%
34%
21%
The TUC says that low-paid workers have been worse affected because:
Insecure work: Low paid workers are often employed on terms such as zero-hours contracts, which give them no protection when their hours of work are cut back.
Household budget flexibility: Workers who are already struggling on low pay have much less flexibility than middle and higher earners to reduce spending and avoid debt.
Hard-hit sectors: Hospitality, leisure and non-essential retail have had by far the highest rates of furlough, and they are both sectors with large numbers of low-paid workers.
Remote working: Middle and high wage earners are more likely to have jobs that can be done form home, meaning they can avoid the need to be furloughed and may also make savings such as their usual commuting costs.
Furlough is protecting incomes but can pay less than minimum wage: The job retention scheme does not have a floor, meaning that some workers receiving 80% of their wages have fallen below the minimum wage. Two million employees were paid below the minimum wage in April 2020 (compared to 409,000 in April 2019) and the majority of these were on furlough at the time.
TUC Budget submission
The TUC’s budget submission calls for a workers’ budget.
The union body encourages the Chancellor to follow the recommendations of the OECD to make greater use of fiscal policy to support the economy.
By increasing support for working people and low-income households, the Chancellor would also be using fiscal policy to protect the economy and stimulate recovery.
TUC budget recommendations include:
Extending the job retention scheme to the end of 2021.
A wage floor within JRS to prevent furlough pay falling below the minimum wage.
Permanent retention of the £20 per week increase in universal credit, and an end to the five-week wait for new universal credit claimants to receive payment.
Increasing child benefit and child tax credit and removing the two-child limit.
Fixing statutory sick pay by raising it to £330 per week (to match the level of the real Living Wage) and by extending eligibility to the two million low-paid workers currently excluded from SSP.
Raising the national minimum wage to at least £10 per hour.
The full submission includes further recommendations to invest in job creation and boost skills – including retaining the £12 million Union Learning Fund, which supports 200,000 workplace learners annually.
TUC General Secretary Frances O’Grady said: “When a crisis hits, the most exposed should get the most protection. But many low-paid workers are struggling through the pandemic on less money and with higher costs. And they are falling into deeper poverty and debt.
“Good government means stepping in to help. The Chancellor should help by extending furlough to the end of the year, with a guarantee that support will never be less than minimum wage. And last year’s boost to universal credit should be kept – permanently.
“Many of these low earners are key workers who have kept our country going. We owe it to them to build a fairer economy after the pandemic. The Chancellor should give Britain a workers’ budget next month. It should be a plan for full employment, with decent pay and job security for every worker.”
An image representing young people overcoming challenges during the Covid-19 crisis has been released by Barnardo’s to mark Children’s Mental Health Week.
With the theme of this year’s week (February 1 to February 7) being ‘Express Yourself’ the UK’s leading children’s charity asked the artist to explain what inspired the picture.
Artist Louise, who is supported by Barnardo’s, said: “In the image, I chose the cogs to represent the idea that young people are facing many invisible challenges and feelings which I felt were important to acknowledge.
“The blue light in the image represents that despite all these challenges, here was a generation that had come together in all sorts of different ways whether that was working for the NHS or doing a neighbour’s shopping.
“Yes, young people are facing some real challenges at the moment but we are making a difference despite it all which felt powerful to me and was what I wanted to convey through my image.”
The picture was also used as the front cover of a Barnardo’s report entitled In Our Own Words, where young people had their say about how the pandemic has affected them.
Young people who helped produce the report said the pandemic has felt like a lifetime, and Barnardo’s is concerned the effects will last a real lifetime if steps are not taken to help children.
It is holding Government to account and ensuring the voice of the child is not forgotten in its response to the pandemic.
But cannot do it alone and needs the support of the public to help children and young people who are feeling lonely, anxious about the future, disconnected from their peers, with some living in unsafe home environments away from the protective gaze of their teachers and school staff.
This is why the charity is relaunching an urgent Coronavirus Crisis Appeal. It knows that with the right support, children can recover from the trauma resulting from the pandemic.
Barnardo’s Chief Executive Javed Khan said: “With spring still a long way off, the country in another lockdown and the end of the pandemic still uncertain, children and young people are facing a very difficult time.
“Just as Louise expresses so brilliantly in her picture, young people are facing many invisible challenges, but they don’t have to face them alone.
“Barnardo’s is always here for those who need us, and with your support we can reach even more children and young people struggling during the pandemic and beyond. If you are in a position to donate, then please do consider supporting our Crisis Appeal.”
A care provider which operates care homes across the country has completed its Covid-19 inoculation programme – with residents already talking about how their lives are set to be transformed.
Mansfield Care has successfully offered the vaccine to all of its frontline staff and residents, and have carried out the procedure to all those who have requested the vaccine.
Edinburgh homes Haugh House, Craighall House, Eildon House, and Belleville Lodge are among 11 care homes operated by Mansfield Care to have completed the vaccination programme.
Resident and journalist at Haugh House, Michael Fry, found the vaccine to have no physical impairment on him.
Michael said: “The vaccine had no physical effect on me, but made me happy in thinking I’ll be able to get out and about all the sooner. I have been in lockdown since March 2020, so I’m hoping the vaccine will let me get out again so I can see my family.”
85-year-old Craighall House resident, Jean McMillan, opted to take the vaccine to keep the infection rates down.
Jean said: “I received my first dose of vaccine on January 20. I didn’t feel a thing and felt fine afterwards. I decided to have the vaccine to help keep the rates down and because I have missed being able to see my daughter, Caroline and my great grandson Murray.”
Chief Executive Officer, Andrew Hume said: “It’s been a difficult year for everyone, so to have the vaccination programme fully completed with the full support of our staff and residents has been an incredible lift.
“Our philosophy that ‘small is key’ has been integral to keeping our residents and staff safe, while maintaining an optimal level of care throughout the pandemic.
“At this stage we cannot predict how the virus will mutate, and what impact that will have on our community, but we are determined to cover all bases and maintain the safety of everyone in our care homes.
“Again we would like to thank our incredible staff who have worked tirelessly over this turbulent period, and our residents for their continued diligence and patience.”
Mansfield Care has also implemented a regimented and rapid lateral flow testing process which swab tests staff two to three times per week and provides test results within 30 minutes, to ensure the safety of residents and staff alike.
In addition to its rigorous testing, the provider has also focused on creating new activities to combat the boredom and loneliness caused by social distancing and restrictions, including personalised activity boxes for residents and a creative conversation ball game designed specifically for residents with dementia.
Mansfield Care specialises in small, friendly, residential care homes across Edinburgh, Borders and West of Scotland, providing individualised care in state of the art facilities.
The Mansfield Care ethos is inspired by the kind of care many would wish for later in life – positive, empathetic, respectful and homely.
First West Lothian team up with Edinburgh Trams to offer a through ticket on all services to link up with the tram at Ingliston Park & Ride, Gyle Centre and Edinburgh Park Station
£4.50 ticket offers a value for money through journey connection via bus and tram with Edinburgh City Centre.
Advice to all passengers is to check latest Scottish Government advice on essential travel guidelines in the area in advance of all journeys.
Local bus operator First West Lothian has teamed up with the Edinburgh Trams to provide customers with another direct link to Edinburgh City Centre via the new bus and tram through ticket.
Available exclusively on the award-winning First Bus App, the all new £4.50 Bus/Tram through ticket is available across all services on the West Lothian network meaning customers now have a convenient connection between their local bus service and the tram into the city centre.
Service 20 in particular offers passengers a drop off at the park and ride directly for quick and convenient access to the tram.
Alternatively, customers can still purchase the First day ticket for just £4.00 for the region (L&M) which gives access to all First West Lothian services including connections to Edinburgh City centre by bus alone. For example, with the day ticket customers can connect onto the X25, X24 and X38 straight into town.
First West Lothian Commercial Director Graeme Macfarlan said: “We want to make it as easy as possible for people who need to make essential journeys to get around and get to their destinations safely during these unprecedented times.
“We were asked to consider the introduction of a through bus and tram ticket that offered the same benefits as those offered by the previous operator, and so, in responding to the needs of our customers, we are delighted to be introducing a through ticket to replicate that offering.
“The hope is now that the customers utilise this offer and support these services once they are able to do so as Coronavirus lockdown restrictions ease again.”
Lea Harrison, Managing Director of Edinburgh Trams said: “We are delighted to be partnering with First West Lothian to allow their customers to seamlessly connect to the city centre by tram.
“We offer fast and frequent services which an easy interchange with First services at Ingliston Park & Ride, Gyle Centre and Edinburgh Park Station for Hermiston Gait.
“We encourage all customers to check our website for the latest timetables and travel advice.”
Transport and Environment Convener Councillor Lesley Macinnes said: “This new ticket will give passengers even more options for seamless, reliable travel by public transport between Edinburgh and West Lothian.
“Of course, people should only be making essential journeys by any mode of transport at the moment. But this joint offer from First West Lothian and Edinburgh Trams will be beneficial for communities served by both in the future.”
Lothian MSP, Miles Briggs said:“This is an excellent initiative from First West Lothian and Edinburgh Trams to improve connectivity between Edinburgh and West Lothian.
“Having an affordable multi-purpose ticket is a good way to make best use of the trams and make transport easier between West Lothian, Edinburgh city centre and the airport.
“I would like to see a paper ticket made available for those who don’t have a smartphone to buy a ticket on the First Bus app.”
A series of new measures aimed at driving down coronavirus (COVID-19) rates in Scotland have been announced.
Current restrictions, including the ‘stay-at-home’ requirement, are set to remain in place until at least the end of February and schools will continue to be closed to most children for the rest of this month.
Nurseries and Primaries 1 to 3 are, however, now scheduled to return full-time on 22 February, subject to final confirmation two weeks from now that sufficient progress in tackling the virus has been achieved.
In an update to Parliament the First Minister confirmed that a managed quarantine system for anyone who arrives directly into Scotland regardless of which country they have come from will be introduced as soon as practicably possible.
In addition to guarding against the increased importation of new cases, access to testing to find cases and interrupt transmission already taking place in Scotland will be stepped up:
from the middle of February, routine testing of healthcare workers will be expanded to cover patient-facing primary care workers such as GPs, dentists, optometrists and pharmacists, as will testing for all patient-facing staff who work in hospices
from later this month, regular testing will be offered to support the return to schools and nurseries. Senior phase secondary school students, and all staff in primary, secondary and special schools, including school-based ELC staff, will be able to benefit from routine at-home testing two times a week
certain workplaces where the risk of transmission is greater and which provide essential or critical services, such as those within the food processing and distribution sectors and staff within emergency service control rooms, will also be supported to introduce routine workforce testing
targeted community testing will continue to be expanded – so that testing is available to people locally, regardless of whether or not they have symptoms
from mid-February tests will also be offered to all close contacts of people who have tested positive for COVID-enabling Test and Protect teams to identify their contacts and track, and break further, chains of transmission
In order to promote people’s ability to self-isolate when necessary, financial support will be significantly expanded to include all workers earning the Real Living Wage or less, as well as those in receipt of a council tax reduction because of low income.
The £500 Self-Isolation Support Grant will also be extended to people who cannot work because someone they have caring responsibilities for is asked to self-isolate.
First Minister Nicola Sturgeon said: “As levels of the virus continue to fall in Scotland, it becomes ever more important that we stop the virus from being imported again. The threat of new variants is real and we must be ever-more vigilant.
“That is why we intend to introduce a managed quarantine requirement for anyone who arrives directly into Scotland, regardless of which country they have come from.
“We want to work with the UK Government to avoid travellers sidestepping restrictions and arriving in other parts of the UK before travelling to Scotland, however the most effective approach to prevent this and to stop new variants being imported is for the UK Government to introduce a compulsory quarantine for anyone travelling into the UK from overseas.
“Since we still have work to do these measures will not be introduced this week and more detail will follow shortly.
“We believe that targeted community testing can play a particularly valuable role in communities where prevalence is starting to rise rapidly which is why we have expanded our testing programme to identify cases and break chains of transmission.
“Lockdown is starting to slow down the virus. But we also need to pick up the pace in our vaccination programme. We are doing that and will accelerate the programme further over the next fortnight – providing that we have sufficient supplies of the vaccine – as we work towards being able to vaccinate 400,000 people a week by the end of the month. We are making rapid progress in protecting those who are most at risk from COVID-19.”
On schooling, the First Minister added: “I am acutely aware of the pressure school closures is putting on working parents and on family life more generally.
“Our room for manoeuvre, given the current state of the pandemic, is limited. But the government is determined to use every inch of headroom we have to get children back to school.
“Based on the advice of our expert advisers, if we all agree to abide with the lockdown restrictions for a bit longer so that our progress in suppressing the virus continues, we can begin a phased, albeit gradual, return to school from 22 February.”
The EIS has responded to the First Minister’s statement on a planned phased return for schools, welcoming the planned roll-out of regular testing for staff and students – but warning that virus levels must fall ‘substantially’ before the plans for a phased return for pupils can be confirmed.
Commenting, EIS General Secretary Larry Flanagan said, “Clearly, any school return remains contingent upon continued progress on community suppression of the virus and that is not a given so we need to see infection levels coming down substantially before the return date can be confirmed.”
Mr Flanagan continued, “Whilst a phased return is a more cautious approach, we are surprised that the First Minister did not discuss the need for physical distancing amongst P1-P3 pupils, given that she clearly stated the new variant impacts on all age groups, whereas previously younger children seemed to be less directly involved in transmission than adults.
“The EIS believes that a blended learning model, i.e. implementing physical distancing, would be a safer strategy to deploy and we would need to see strong scientific evidence to justify the Government’s approach. Frankly, in the absence of such evidence this model creates unnecessary risk for staff and pupils.”
On the planned rollout of testing for school staff and some secondary pupils, Mr Flanagan added, “The availability of regular testing for staff is something the EIS has called for, so that is welcome, as is its extension to senior phase pupils which will offer some reassurance to their families.”
“The EIS also notes the limited number of senior pupils able to return at any one time, but this must be organised in a way which explicitly enables physical distancing amongst pupils.”
Responding to the First Minister’s COVID-19 update concerning a phased return to schools in Scotland, GMB Scotland Senior Organiser for Public Services Drew Duffy said: “Yet again the Scottish Government failed to acknowledge the role of school support staff in the response to COVID-19.
“This morning over 1,000 of our members in support staff jobs, including cleaners, caterers, and pupil support staff, wrote to the First Minister asking her to strengthen school safety guidelines and the implementation of them across our thirty-two councils.
“This afternoon’s statement said little to these workers, despite the fact support staff are most at risk against the backdrop of more virulent strains of COVID-19 because many continue to work in our schools throughout this lockdown.
“We need full consultation with Ministers on a consistent approach to worker safety in the phased return of schools. That’s the only way we are going to give these forgotten key workers some badly needed confidence their safety is a priority for this government.”
Education leaders in Edinburgh have welcomed the phased return of school pupils announced by the Scottish Government.
Cllr Ian Perry, Education, Children and Families Convener for the City of Edinburgh Council, said: “I know many families across the city will be pleased to hear that a phased return to schooling will be in place by the end of the month.
“Our teaching staff are doing a tremendous amount of great work with home learning but we all know there’s no better place for our children than being back in school with their peers and learning face to face.
“Our schools will now work really hard to put plans in place so P1 to P3 pupils and some senior phase pupils can return on February 22 which will hopefully be confirmed by the Scottish Government in two weeks time.
“In the meantime home learning will continue and we hope to be to welcome more pupils back to school in the coming months as long as the virus continues to be suppressed.”
Cllr Alison Dickie, Education, Children and Families Vice Convener for the City of Edinburgh Council, said: “These are extremely challenging times for families and no one can underestimate the impact the pandemic has had especially for those struggling at home.
“Everyone’s mental health and wellbeing is really important so it’s welcome that early years, childcare and P1 to P3 pupils will be back in school where they belong in a few weeks time.
“Supporting the children who need it most is vital and I’m glad they will continue to attend their schools as we all work together to get through this. With the number of positive cases coming down in Edinburgh and the rollout of the vaccination programme we hope even more pupils will be able to come back to school when it is safe to do so.
“We will continue to follow the latest Scottish Government and health advice in ensuring our schools continue to be safe learning and teaching environments for all our young people and teaching staff.”
Deputy First Minister John Swinney said: “I appreciate only too well the burden being placed on many families as they navigate this COVID pandemic. I am also acutely aware of the need to maintain teaching and learning wherever possible. In doing so, the health and wellbeing of our children, young people and staff is paramount.
“My priority has been to ensure a safe return for children and young people to school and nursery as quickly as possible. That is why the steps that have been announced today are guided by the advice of the Chief Medical Officer and public health experts.
“Children and young people will begin a gradual, phased return to classrooms supported by a testing regime and enhanced guidance. A sense of caution underpins the plans unveiled today, but this is essential as we work to return to full time teaching in schools.”
Police are appealing for the help of the public following a serious assault in the East Pilton Farm area.
At around 8.25pm on Monday (1 February) a 35-year-old man was walking alone near to the junction of Pilton Drive and East Pilton Farm Place when he was approached and assaulted by a group of males.
The victim was knocked to the ground where the assault continued. He was later taken to hospital where he is being treated for a serious facial injury.
Detective Constable Zaira Marker said: “At this stage we are unsure of the motive for this appalling attack. The victim has suffered a serious injury to his face and is still in hospital. We have no further information regarding the description of his assailants, other than they were four men in their 20s and were all wearing dark coloured clothing.
“I am appealing to anyone who may have witnessed this attack or may have information which might help the investigation to get in touch with us.
“I would also ask anyone who was driving in a vehicle in the area which has a dash-cam fitted to examine the device to see if it holds any footage which might assist in this case. Anyone wishing to pass on information can do so through 101, quoting reference number 3200 of 1 February.
“Anyone wishing to pass on any information while remaining anonymous can do so through Crimestoppers on 0800 555 111.”
Three of Scotland’s most innovative SMEs secure a global audience at the CAN DO Innovation Summit with #SMEstage competition win
Further details of the Summit are released
Scotland’s CAN DO Innovation Summit takes place tomorrow and there’s still time to book your seat at the virtual event.The national event for innovation in business will be live from 8amon Wednesday3 February.
The three winners of the competition, open to all small and medium sized Scottish businesses, were chosen from high-quality entrants who were asked to submit a short video demonstrating how they are building innovation into their daily practices.
The winners are rising stars from across Scotland – Edinburgh-based Scene Connect, Aberdeen-based Recycl8 and Edinburgh-based Space Intelligence. Getting a spot on the Summit’s SME stage gives the businesses exposure to a global online audience of over 800 investors, academics, entrepreneurs and innovators.
The winners will also benefit from two days of support from an Innovation Specialist at Scottish Enterprise.
This year’s CAN DO Innovation Summit, a headline event of the VentureFest Scotland festival of innovation, has been carefully crafted to support Scottish SMEs to build innovation-led recovery, resilience and sustainable growth after recent national and global challenges. It will feature a speaker line-up of over 40 multi-sector SMEs and a range of innovation support agencies across 12 industry-led panel sessions.
Panel discussions and live Q&A sessions will run throughout the day covering the following themes: Journey to a Sustainable Future; Recovery & Resilience; Workplace Culture; Advance manufacturing & Digitisation; MedTech/Health Innovation.
Speaker highlights on the day will include world class keynotes: Lolita Jackson, Special Advisor for Climate Policy and Programs, in New York City’s Mayor’s Office; Ivan McKee, the Scottish Minister for Trade, Investment and Innovation; Craig Foster, Art Director at Pixar Animation Studios; Chloe Demrovsky, the youngest and first female chief executive to oversee and expand the Disaster Recovery Institute’s international network; Dyan Finkhousen, founder and CEO of Shoshin Works in the US and John Reid, CEO of the National Manufacturing Institute Scotland (NMIS).
It has never been more important for business to be agile and creative – and over 800 delegates have already signed up to this year’s event, from Scotland, the UK and beyond. They have given a range of reasons for getting involved, including aiming to make new connections; wanting to learn about progressive workplace practices and hoping to learn how new technologies can help them tackle business challenges.
Enabling connections is a key objective of the Summit, at a time when networking can be difficult in a virtual world. With multiple opportunities to connect with new people, share knowledge and ideas and explore opportunities for partnership, the Summit makes it easier than ever to spark new connections online.
Delegates can meet innovation leaders, support agencies, investors, entrepreneurs and academics through live Q&As, speed networking, 1:1s in the Delegate Hub, drop-in sessions and the Summit’s virtual Support Village.
Dr Laura Bell of the CAN DO Innovation Summit, said:“Recent events have created huge challenges for SMEs, who will now be critical to tackling the economic and societal challenges we are facing. This year’s Summit has been carefully crafted to help SMEs explore opportunities to develop new and better business models and to drive sustainable competitive advantage.
“Our virtual focal point for business will help SMEs adopt new technologies, build progressive working cultures and access the right support for innovation-led recovery and growth. We have a wide selection of world-leading experts and local talent lined up to speak at the event, as well as interactive sessions which can benefit SMEs across all sectors.
“I’d also like to thank our panel of judges for selecting three excellent winners to take their well-earned place in the spotlight at the Summit on the #SMEstage. We look forward to welcoming many more SMEs on 3 February.”
The #SMEstage competition winners were selected by an independent panel of judges made up of senior representatives from Scottish EDGE, Innovate UK and Scottish Enterprise.
The winners will have their moment in the spotlight at the Summit at 3.45pm when they will showcase how they are building innovation into their daily practices.
Evelyn McDonald said:“Judging the #SMEstage competition was a great way to start the year as it reminded us all that despite the challenges we are currently facing there are a wealth of entrepreneurs and businesses in Scotland creating new technologies to enable innovation led recovery and growth.
“Winning the competition will give the businesses access to a wide audience which will hopefully bring useful connections and support as well as linking them into invaluable support from Scottish Enterprise.”
This is the second Summit, following a successful inaugural event in Glasgow, and is the first time it has been held virtually.
– Accreditation and challenges available to help employers focus on health and wellbeing –
SCOTLAND’s walking charity and public health minister have jointly called on employers to empower staff to take daily walks within guidelines to boost physical and mental wellbeing.
With lockdown rules tightening and fewer reasons to leave the house, Paths for All believe regular exercise has never been more important to maintain both physical and mental wellbeing, especially for those working from home.
A study conducted by University College London has reported two-fifths of people say they are doing less exercise now than during the first lockdown back in March, with individuals stating they have found this period tougher than ever before.1
Now, the charity and new Public Health Minister Mairi Gougeon are asking employers to look at ways to enable their staff to take screen breaks, be more active and enjoy getting outdoors more during the working day.
The charity offers bespoke accreditation and challenges tailored to an organisations requirement to help get their workforce moving. The Walk at Work Award and Step Count Challenge both look to make walking fun and interactive by virtually connecting colleagues.
Under current restrictions, outdoor exercise is permitted, but individuals must walk alone, with their household, or can meet one other person from another household while distancing. Exercise should be planned to avoid busy areas.
Minister for Public Health and Sport Mairi Gougeon said: “The current restrictions, on top of shorter days and poor weather are all having an impact on our wellbeing at the moment. But taking a break from work to get some fresh air and get moving is one of the best ways to boost your mood, and keep fit.
“Right now it’s more important than ever to find time to focus on your health and wellbeing, and I’d encourage all employers to get involved and do what they can to support people. There are lots of creative ways to encourage home workers to stay physically active, such as introducing fun challenges or sharing resources.”
Firms are being encouraged to look into dedicated screen-free time initiatives such as a fake commute, whereby teams are encouraged to take exercise in the middle of the day in order to get their steps up throughout the working day.
Research has shown that physical activity helps to reduce anxiety and depression, and alleviate negative moods whilst improving self-esteem and cognitive function, with those who are active during their working day deemed as more productive.
Ian Findlay CBE, Chief Officer at Paths for All, said: “We must do what we can to keep Scotland moving, safely and responsibly, throughout this lockdown, to ward off potential mental and physical health crises.
“Walking helps boosts our mood, our fitness, our productivity and our relationships. At this moment in time, it’s a chance to take stock and appreciate our local communities’ walking routes.
“With most of the country working from home and exercise being one of the few essential reasons for leaving your home, it is the perfect time to get into walking to look after our physical, mental and social health.”
The Walk At Work Award is aimed to reverse the trend of inactive workplaces and the accreditation supports businesses in tackling issues of staff wellbeing and corporate carbon footprint, while enhancing productivity.
Employers receive one-to-one support on how to create a walking culture at work as well as examples of best practice and where to find extra help and resources
The Step Count Challenge is made up of teams of five and has one simple aim of encouraging people to walk more to feel happier and healthier, with participants having access to leader boards, goal setting and team chat to keep them motivated and connected.
Businesses can register a team of five for just £30 – and can customise their own challenges with tailored branding and personalised messaging.
Paths for All believes regular walking is key to leading a happy and healthy life, and it’s even more important for people to continue enjoying short, local walks where it is safe and appropriate to do so with to the huge array of associated benefits.
Paths for All’s focus is clear: it wants to get Scotland walking: everyone, every day, everywhere.
The FCA has published a report on change and innovation in the unsecured consumer credit market following a Review by its former Interim Chief Executive, Christopher Woolard CBE.
The Woolard Review sets out how regulation can better support a healthy market for unsecured lending, taking into account the impact of the coronavirus (Covid-19) pandemic, changing business models and new developments in unregulated buy-now pay-later (BNPL) unsecured lending. The Review was commissioned by the FCA Board.
Christopher Woolard, Chair of the Review, said: ‘Most of us will use credit at some point in our lives. So, it’s vital that we have a fair market that works for everyone. New ways of borrowing and the impact of the pandemic are changing the market, with billions of pounds now in unregulated transactions and millions of consumers at greater risk of financial difficulty.
‘Changes are urgently needed: to bring BNPL into regulation to protect consumers; to ensure that there is secure provision of debt advice to help all those who may need it; and to maintain a sustained regulatory response to the pandemic.
‘Alongside these urgent issues the Review sets out a series of recommendations for how the FCA, working with partners, can build a better market in future.’
UK households have nearly £250 billion of outstanding consumer credit debt and more than 42.5 million people used consumer credit in 2019.
The Review sets out 26 recommendations to the FCA, sometimes working with Government and other bodies, to make the unsecured credit market fit for the future, including:
The regulation of unregulated buy-now pay-later: BNPL products which are currently exempt from regulation should be brought within the regulatory perimeter as a matter of urgency. The use of BNPL products nearly quadrupled in 2020 and is now at £2.7 billion, with 5 million people using these products since the beginning of the coronavirus pandemic. The emergence and expansion of unregulated BNPL products gives consumers a significant alternative to more expensive credit, but this also comes with significant potential for consumer harm. For example, more than one in ten customers of a major bank using BNPL were already in arrears. Regulation would protect people who use BNPL products and make the market sustainable.
Debt advice: The provision of debt advice will be critical to a sustainable market in the long term, especially through the recovery from coronavirus. Free debt advice services need secure, long-term funding as demand increases to as many as 1.5 million additional cases, following the pandemic. Funding needs to be in place to help the poorest pay fees when applying for debt relief orders.
Forbearance: The FCA responded quickly and effectively in the emergency phase of the pandemic – it needs to sustain this response through the recovery, for example by looking at whether it should revise its rules and guidance to drive greater consistency in the type of support firms offer consumers struggling to pay.
Alternatives to high-cost credit: A sustainable credit market needs more alternatives to high-cost credit. The FCA should work with the Government and Bank of England to reform the regulation of credit unions and Community Development Finance Institutions. More should be done to encourage mainstream lenders into this space.
Outcomes focused: Regulation should be driven by the outcome being sought and how consumers use products in the real world. Regulation should deliver similar protections where consumers face similar harms. In addition to making sure products are affordable, there should be an increased focus on lenders meeting consumers needs’ for as long as they hold the product. The FCA should review repeat lending.
The FCA welcomes the Woolard Review report into change and innovation in the unsecured credit market and supports the recommendations directed to the FCA.The Board agrees that there is a strong and pressing case to bring buy-now pay-later business into regulation.
Charles Randell has written to the Economic Secretary to the Treasury setting out the Board’s view and proposing that the FCA works with the Government to design the appropriate regulation.
Ensuring consumer credit markets work well is one of the FCA’s five priorities. The Board has asked the FCA executive to build the Review’s recommendations into its business planning. The FCA will publish its 2021/22 Business Plan in April, and will give further details of the response to the Review.
Charles Randell, Chair at the FCA, said: ‘Unaffordable credit can damage the lives of people who are already struggling to manage everyday expenses. While we have made progress in reducing unaffordable debt in the years before coronavirus, the pandemic has had an unequal impact on households.
“Many people have been able to reduce their debts, but some of the poorest in our society have exhausted any savings or run up more debts. All the authorities which cover debt and debt advice must act together systematically to prevent problem debt and to help people get out of a spiral of debt through properly funded debt advice.
‘Regulation should be consistent and the Review shows how we can ensure high standards in consumer credit regardless of the form of credit.
‘The Review has powerful recommendations on debt advice and insolvency including on the IVA market. We are ready to work with other regulators to reduce the harm that IVAs can produce for people that use them, and to reduce the scope for unscrupulous operators to prey on vulnerable indebted people through for-profit debt packaging.
‘As the market innovates and changes, regulators and legislators need to respond quickly and decisively to protect consumers by facilitating credit where it is beneficial and clamping down on it when it does harm. The FCA agrees that there is a strong and pressing case to bring buy-now pay-later business into regulation.’
Age Scotland is seeking the views of older people in the first comprehensive survey of what it is like to grow older in Scotland.
The Big Survey explores all areas of life for older people including health and wellbeing, housing, media representation and the impact of Covid-19.
The national charity hopes to gain a better insight into what older people think, experience and care about. Survey responses will help prioritise its future campaigns and shape policy.
The Big Survey launches after an exceptionally challenging year for older people. This was the age group most severely affected by Covid. Older people were asked to shield, the overwhelming majority of deaths took place among the over 75s and care home residents faced months of separation from family and friends.
Lockdown has contributed to soaring levels of loneliness and the absence of regular exercise activities and sports has had an impact on physical fitness.
Age Scotland wants to hear from as many older people across Scotland as possible to find out what their lives are like now, what issues are important to them and their expectations of later life.
Brian Sloan, chief executive of Age Scotland, said: “We are pleased to be launching The Big Survey at such an opportune time. This has been a tumultuous time for older people and undoubtedly the past 12 months have had a profound impact across society.
“We want to hear how older people’s lives have been affected by Covid, what their expectations are now, how they want to live and what their requirements are for enjoying a fulfilling and happy later life.
“I would urge as many older people as possible to take part. Each and every response will be considered and they will help shape our policies and our work in the coming years.
“So please take the time to share your views and help us be there to support older people throughout Scotland in ways that make a real difference. We look forward to hearing from you.”
