Online safety law to be strengthened to stamp out illegal content

Bill strengthened with new list of criminal content for tech firms to remove as a priority

  • List includes online drug and weapons dealing, people smuggling, revenge porn, fraud, promoting suicide and inciting or controlling prostitution for gain
  • New criminal offences will be added to the bill to tackle domestic violence and threats to rape and kill
  • Flagship UK laws to protect people online are being toughened up with new criminal offences and extra measures to force social media companies to stamp out the most harmful illegal content and criminal activity on their sites quicker.

Digital Secretary Nadine Dorries has announced extra priority illegal offences to be written on the face of the bill include revenge porn, hate crime, fraud, the sale of illegal drugs or weapons, the promotion or facilitation of suicide, people smuggling and sexual exploitation. Terrorism and child sexual abuse are already included.

Previously the firms would have been forced to take such content down after it had been reported to them by users but now they must be proactive and prevent people being exposed in the first place.

It will clamp down on pimps and human traffickers, extremist groups encouraging violence and racial hate against minorities, suicide chatrooms and the spread of private sexual images of women without their consent.

Naming these offences on the face of the bill removes the need for them to be set out in secondary legislation later and Ofcom can take faster enforcement action against tech firms which fail to remove the named illegal content.

Ofcom will be able to issue fines of up to 10 per cent of annual worldwide turnover to non-compliant sites or block them from being accessible in the UK.

Three new criminal offences, recommended by the Law Commission, will also be added to the Bill to make sure criminal law is fit for the internet age.

Digital Secretary Nadine Dorries said: “This government said it would legislate to make the UK the safest place in the world to be online while enshrining free speech, and that’s exactly what we are going to do.

“Our world leading bill will protect children from online abuse and harms, protecting the most vulnerable from accessing harmful content, and ensuring there is no safe space for terrorists to hide online.

“We are listening to MPs, charities and campaigners who have wanted us to strengthen the legislation, and today’s changes mean we will be able to bring the full weight of the law against those who use the internet as a weapon to ruin people’s lives and do so quicker and more effectively.”

Home Secretary Priti Patel said: “The internet cannot be a safe haven for despicable criminals to exploit and abuse people online.

Companies must continue to take responsibility for stopping harmful material on their platforms. These new measures will make it easier and quicker to crack down on offenders and hold social media companies to account.”

The new communications offences will strengthen protections from harmful online behaviours such as coercive and controlling behaviour by domestic abusers; threats to rape, kill and inflict physical violence; and deliberately sharing dangerous disinformation about hoax Covid-19 treatments.

The UK Government is also considering the Law Commission’s recommendations for specific offences to be created relating to cyberflashing, encouraging self-harm and epilepsy trolling.

To proactively tackle the priority offences, firms will need to make sure the features, functionalities and algorithms of their services are designed to prevent their users encountering them and minimise the length of time this content is available. This could be achieved by automated or human content moderation, banning illegal search terms, spotting suspicious users and having effective systems in place to prevent banned users opening new accounts.

New harmful online communications offences:

Ministers asked the Law Commission to review the criminal law relating to abusive and offensive online communications in the Malicious Communications Act 1988 and the Communications Act 2003.

The Commission found these laws have not kept pace with the rise of smartphones and social media. It concluded they were ill-suited to address online harm because they overlap and are often unclear for internet users, tech companies and law enforcement agencies.

It found the current law over-criminalises and captures ‘indecent’ images shared between two consenting adults – known as sexting – where no harm is caused. It also under-criminalises – resulting in harmful communications without appropriate criminal sanction.

In particular, abusive communications posted in a public forum, such as posts on a publicly accessible social media page, may slip through the net because they have no intended recipient. It also found the current offences are sufficiently broad in scope that they could constitute a disproportionate interference in the right to freedom of expression.

In July the Law Commission recommended more coherent offences. The Digital Secretary today confirms new offences will be created and legislated for in the Online Safety Bill.

The new offences will capture a wider range of harms in different types of private and public online communication methods. These include harmful and abusive emails, social media posts and WhatsApp messages, as well as ‘pile-on’ harassment where many people target abuse at an individual such as in website comment sections. None of the offences will apply to regulated media such as print and online journalism, TV, radio and film.

The offences are:

A ‘genuinely threatening’ communications offence, where communications are sent or posted to convey a threat of serious harm.

This offence is designed to better capture online threats to rape, kill and inflict physical violence or cause people serious financial harm. It addresses limitations with the existing laws which capture ‘menacing’ aspects of the threatening communication but not genuine and serious threatening behaviour.

It will offer better protection for public figures such as MPs, celebrities or footballers who receive extremely harmful messages threatening their safety. It will address coercive and controlling online behaviour and stalking, including, in the context of domestic abuse, threats related to a partner’s finances or threats concerning physical harm.

A harm-based communications offence to capture communications sent to cause harm without a reasonable excuse.

This offence will make it easier to prosecute online abusers by abandoning the requirement under the old offences for content to fit within proscribed yet ambiguous categories such as “grossly offensive,” “obscene” or “indecent”.

Instead it is based on the intended psychological harm, amounting to at least serious distress, to the person who receives the communication, rather than requiring proof that harm was caused. The new offences will address the technical limitations of the old offences and ensure that harmful communications posted to a likely audience are captured.

The new offence will consider the context in which the communication was sent. This will better address forms of violence against women and girls, such as communications which may not seem obviously harmful but when looked at in light of a pattern of abuse could cause serious distress. For example, in the instance where a survivor of domestic abuse has fled to a secret location and the abuser sends the individual a picture of their front door or street sign.

It will better protect people’s right to free expression online. Communications that are offensive but not harmful and communications sent with no intention to cause harm, such as consensual communication between adults, will not be captured. It will have to be proven in court that a defendant sent a communication without any reasonable excuse and did so intending to cause serious distress or worse, with exemptions for communication which contributes to a matter of public interest.

An offence for when a person sends a communication they know to be false with the intention to cause non-trivial emotional, psychological or physical harm.

Although there is an existing offence in the Communications Act that captures knowingly false communications, this new offence raises the current threshold of criminality. It covers false communications deliberately sent to inflict harm, such as hoax bomb threats, as opposed to misinformation where people are unaware what they are sending is false or genuinely believe it to be true.

For example, if an individual posted on social media encouraging people to inject antiseptic to cure themselves of coronavirus, a court would have to prove that the individual knew this was not true before posting it.

The maximum sentences for each offence will differ. If someone is found guilty of a harm based offence they could go to prison for up to two years, up to 51 weeks for the false communication offence and up to five years for the threatening communications offence.

The maximum sentence was six months under the Communications Act and two years under the Malicious Communications Act.

Professor Penney Lewis, Commissioner for Criminal Law, said: “The criminal law should target those who specifically intend to cause harm, while allowing people to share contested and controversial ideas in good faith.

“Our recommendations create a more nuanced set of criminal offences, which better protect victims of genuinely harmful communications as well as better protecting freedom of expression.

“I am delighted that the Government has accepted these recommended offences.”

Inspiring Volunteer Awards: Nominations now open

VOLUNTEER Edinburgh are delighted to announce that we have opened the nominations for this years Inspiring Volunteer Awards 2022

As always, every volunteer who is nominated will receive a certificate, and we will welcome a number of specially selected volunteers to an event hosted by Edinburgh’s Rt Hon Lord Provost at the City Chambers. 

This event is being held during Volunteers’ Week (1 to 7 June), and this year the date for the ceremony will be on Wednesday 1 June. 

Thanks again for your support in recognising the fantastic achievements of all our amazing volunteers in Edinburgh. These last two years we have seen and have a better understanding of the power of the volunteer. 

Is there an individual or a group within your organisation that deserves an Inspiring Volunteer Award? Why not consider nominating them. We want to recognise and celebrate as many volunteers as possible!

Closing date for nominations is 1st April 2022 so don’t delay and nominate today!

For more information please follow the link below to Volunteer Edinburgh website where you can find nomination guidelines and additional info for each type of award.

Please help us to promote the awards nominations using the short url: 

voled.in/nominations

Thanks 

Jason McCann

Events & Volunteer Coordinator

£12m funding boost for research announced on World Cancer Day

Experts from Universities of Edinburgh and Glasgow will receive funding from Cancer Research UK to conduct ground-breaking work as part of a chain of research hubs around the UK.

Photograph of University of Edinburgh's Institute of Genetics and Cancer

The £12 million investment over the next five years will be used to accelerate the Cancer Research UK Scotland Centre’s work into diagnosing and treating cancers which are among the most prevalent in Scotland, including bowel cancer, mesothelioma, liver cancer and brain tumours.

The Scotland Centre, comprising scientists from Edinburgh and Glasgow, has been chosen as one of just seven locations to secure funding in the latest review of the Cancer Research UK Centres network of excellence.

Understanding cancer

The work taking place in Edinburgh includes Professor Malcolm Dunlop and colleagues studying the faulty genes that underpin bowel cancer. Prof Dunlop’s team is aiming to understand how our genes influence the risk of developing the disease and the chances of surviving it.

Professor Steve Pollard and his team are developing potential new treatments for the most common type of brain tumour in adults, known as glioblastoma multiforme.

Professor Ian TomlinsonCo-Director, Cancer Research UK Scotland Centre, said: “This investment will give us the tools we need to deliver high quality research which will make the biggest difference for patients.

“It means we will be able to further develop our work in translational research – getting cutting edge discoveries from the laboratory to patients and learning as much as possible from patients to initiate new research.

Dr Iain Foulkes, Executive Director of Research and Innovation, Cancer Research UK, added: “This past year proves, more than any other, the value of investing in science and medical research, and what can be achieved with collective focus and collaboration.

“Just like science is our route out of the pandemic, science is our route to beating cancer. Despite the impact of the pandemic on the charity’s income, we are funding some of the best and most promising research in Scotland to help more people survive.”

Firefighters union calls for immediate talks over fire safety fears

The Fire Brigades Union has called for the Scottish Government to convene immediate multi-agency talks to try to find a solution to fire safety concerns in schools and the home.

The union has raised its concerns about the proposal to improve school classroom ventilation by undercutting school classroom doors which, in turn, could compromise the fire safety of classrooms putting students, staff and firefighters in danger.

The union also wants clarity over the newly rolled out Scottish Government legislation on interlinked fire alarms in the home, which became law on 1st February. 

Ian Sim, FBU Scotland Regional Secretary said: “The safety of school students and staff, our members and the general public is paramount. 

“At the moment there is too much uncertainty and mixed messaging over these two very important fire safety issues, in particular, the potential fire risk that comes from undercutting doors. The doors affected could potentially include fire doors. 

“We need clarity and certainty over these plans and the Scottish government must now convene immediate multi-agency talks to establish the safest way forward.”

Help for people living with dementia

Extra £1 million will help people shape the services they need

A £1 million investment over two years will fund work with people with dementia and their families to design and shape the support they need following diagnosis.

The funding, part of the £120 million Mental Health Recovery and Renewal fund, will see the Scottish Government working with Age Scotland to enhance support giving people a bigger say in what works for them.

COVID-19 has had a disproportionate impact on people with dementia. Through this partnership with Age Scotland, the Scottish Government will grow the community support that have been so critical to people and their families during the pandemic.

Early investment will be focused on building community capacity with a small grant programme, with a broader community grant programme to follow in the second year.

Social Care Minister Kevin Stewart said: “During the latest phase of the pandemic I have listened to people with dementia and their families about the need for additional flexible support and investment to help address some of the particular challenges they are facing.

“COVID-19 has impacted all of us but I know just how challenging it has been for people living with dementia, their families and carers.

“Trying to reduce this impact is the basis of our Dementia and Covid Action Plan, which we have worked with a wide range of partners to implement, since its publication in December 2020.

“There is a lot of positive work to point to, and the pandemic has particularly highlighted the importance of community-led work, responding to local need. I want to build on this work and enable more local people and communities to design and shape the support they need.

“Through this partnership with Age Scotland we will invest an extra £1 million over two years to support local communities to do that.”

Brian Sloan, Chief Executive of Age Scotland, said: “We’re delighted to be working with the Scottish Government to deliver this funding, which will support the development of dementia-friendly communities across Scotland.

“The pandemic has compounded challenges faced by people living with dementia and their unpaid carers. This funding will help address some of these challenges by shaping communities that work for those who have lived experience of dementia.

“Our role is to bring the voices of carers and people living with dementia to the forefront as plans are developed, ensuring those voices are heard at every stage of the design and delivery process. By doing so, we can build communities that truly support and empower people living with dementia and those who care for them.”

Dementia and COVID-19: Action Plan

The Ivy on the Square – Valentine’s Day

The Ivy on the Square has joined forces with Letters of Note to give diners a gift to treasure forever this Valentine’s Day. Love is an exclusive book compiled by Shaun Usher, featuring a collection of the most passionate love letters written in history, reimagined by The Ivy Collection with a bespoke cover and foreword. The book will be offered to all guests who book a table in the restaurant on Monday, 14 February. 

Inspired by love, a limited-edition cocktail menu designed to make even the cold-hearted blush will also be available for guests from Friday, 11 to Monday, 14 February, alongside Pillow Talk (£17.95), an indulgent sharing dessert featuring peach and raspberry parfait, white chocolate mousse, popping candy and a raspberry sauce.

Celebrating love in all its many forms, the trio of cocktails honour some of the world’s most iconic love letters from days gone by. From Napoleon to Joséphine (£9.75), a sparkling serve featuring Altos Tequila Blanco, passion fruit and a splash of prosecco, to Oscar Wilde’s Secret Affair (£9.50), incorporating Beefeater Gin, lemon juice and agave syrup, and His Immortal Beloved, inspired by Beethoven and consisting of coffee liqueur, double cream and Amaretto; guests will be sure to fall for these limited edition-delights.

Agata Lubera, General Manager at The Ivy on the Square, comments: “Couples are invited to celebrate the most romantic night of the year in the heart of Edinburgh. Join us at The Ivy on the Square to indulge in our menu that perfectly pairs love and food.”

The Valentine’s Day specials are available from Friday, 11February to Monday, 14 February, while guests will revel in the restaurant’s romantic setting with its beautiful furnishings and friendly service.

To book a table and enjoy a complimentary copy of Love on Monday, 14 February, please visit TheIvyEdinburgh.com

ASH Scotland: small grants available

Our small grants are proving to be very popular and applications have been rolling in. We only have a limited number of grants to give.

If your organisation would like help to improve people’s health and wellbeing by addressing smoking, you can apply at:

http://ashscotland.org.uk/smallgrants.

National Museums Scotland: What’s on this month

National Museums Scotland’s exhibition Audubon’s Birds of America opens this month, please see details of the exhibition and related events below, followed by all other National Museums Scotland listings to 12 March 2022. 


OPENING SOON Audubon’s Birds of America 
12 Feb – 8 May 2022 
National Museum of Scotland, Chambers Street, Edinburgh, EH1 1JF 
Member Preview Day, 11 Feb 
Exhibition Gallery 1, Level 3 
Ticketed, £0-£10 
 
This new exhibition at the National Museum of Scotland will examine the artistry and legacy of one of the world’s rarest, most coveted and biggest books.   

Published as a series between 1827 and 1838, Birds of America by John James Audubon (1785-1851) was a landmark work which achieved international renown due to the epic scale of the project and the book’s spectacular, life-sized ornithological illustrations.    

Audubon’s Birds of America (12 February – 8 May 2022) will showcase 46 unbound prints from National Museums Scotland’s collection, most of which have never been on display before, as well as a rare bound volume of the book, on loan from the Mitchell Library. This exhibition is a unique opportunity to see so much of Audubon’s work in one place.   

Supported by players of People’s Postcode Lottery. 
 
Book now nms.ac.uk/BirdsofAmerica 

NEW February Half Term 

14 Feb – 17 Feb 2022 
10:00 – 12:00 & 14:00 – 16:00 
Grand Gallery, National Museum of Scotland, Chambers Street, Edinburgh, EH1 1JF 
Free, drop-in 

Swoop into the National Museum of Scotland for some feathery February half term fun or download a hands-on activity to try at home.  

Join our Learning Enabler team at their drop-in Learning Trolleys to find out the basics of birdwatching – what to take, where to look and what to look for. Or have a go at a bird chatter challenge and see if you can match the bird to its call. 

Next, imagine the Grand Gallery is a garden and look up to spy six beautiful birds perched around the balcony. Can you identify all six and complete the answers on our bird watching challenge sheet?  

You can also fold your own paper origami dove with the team from Burns & Beyond. These doves will later be flown alongside 2,500 others in artist Michael Pendry’s creation, to debut at St Giles’ Cathedral in March 2022. 

Event supported by players of People’s Postcode Lottery 

Visit nms.ac.uk/exhibitions-events 

 
Spotlight On: Audubon’s Birds of America 
8 Mar 2022 
14:00-15:00 
Auditorium, Level 1, National Museum of Scotland, Chambers Street, Edinburgh, EH1 1JF 
Free, advance booking required.  
Suitable for those aged 12 and over. 

Join exhibition Curator Mark Glancy and Paper Conservator Lisa Cumming as they discuss how our upcoming exhibition Audubon’s Birds of America took flight.   
Discover how Birds of America, one of the world’s rarest and most coveted books, was made, and learn about the ongoing conservation work to preserve these life-size, hand-coloured prints for future generations.  

Book now nms.ac.uk/exhibitions-events 

NEW Mindful viewing of Audubon’s Birds of America 

6 March 2022 
17:30-19:00 
National Museum of Scotland, Chambers Street, Edinburgh, EH1 1JF 
£15, £13 Members and Concessions 

A rare chance to explore our special exhibition after hours, hosted by museum mindfulness teacher Laura Baxter. Taking time to savour pleasant experiences, such as looking at art, can increase our mental wellbeing. 

This session will invite visitors to first freely browse the exhibition, then as a group focus on a single work of art within the exhibition, discovering how to enjoy the artwork and experience how to engage with it mindfully, moment by moment. Through guided mindfulness practices, participants will discover how to slow down, connect with the artwork and each other. 

Part of the National Museum of Scotland’s Wellbeing Weekend.

Book Now nms.ac.uk/WellbeingWeekend 

NEW The Joy of Birds 

31 Mar 2022 
19:30-20:30 
Online 
Free, with optional donation 

Join David Lindo and Paul Walton for an online discussion celebrating the joy that birds bring us, the urgent threats they face, and the science and conservation work protecting them.  

David Lindo, also known as The Urban Birder, is a wildlife broadcaster, nature writer and urban wildlife educationalist. He is Vice-President of the Wildfowl & Wetlands Trust, Honorary President of the Colombia Bird Fair, and was voted 7th most influential person in Wildlife by BBC Wildlife Magazine. 

Paul Walton is Head of Habitats and Species for RSPB Scotland

Supported by players of People’s Postcode Lottery. 

Book Now nms.ac.uk/JoyofBirds 

Exhibitions & Displays 

National Museum of Scotland  
Chambers Street, Edinburgh, EH1 1JF 
Open 10:00–17:00 daily 
 
Anatomy: A Matter of Death and Life 
1 Jul – 13 Nov 2022 
Exhibition Gallery 1, Level 3 
Ticketed 

Explore the history of anatomical study, from artistic explorations by Leonardo da Vinci to the Burke and Hare murders.  
This exhibition will look at the social and medical history surrounding the practice of dissection. It will trace the relationship between anatomy, its teaching and cultural context and the bodies that were dissected. Looking at Edinburgh’s role as an international centre for medical study, the exhibition will offer insight into the links between science and crime in the early 19th century. 

Sponsored by Baillie Gifford Actual Investors. 

Visit nms.ac.uk/Anatomy 

The Typewriter Revolution 
Until 17 Apr 2022 
10:00–16:30 
Exhibition Gallery 2, Level 3 
Free entry 

The typewriter’s social and technological influence is revealed in this new exhibition and looks at its role in society, arts, and popular culture. It traces the effect and evolution of typewriters across more than 100 years, from weighty early machines to modern style icons. 

The impact of the typewriter has been much wider than simply speeding up the way we write. It helped revolutionise the world of work and change the lives of working women in particular. Typewriters helped them launch their own businesses at a time when female employers were rare and became a vital weapon in the fight for the vote.  

Visit nms.ac.uk/Typewriters 

Inspiring Walter Scott 

Until 8 Jan 2023 
Exhibition Gallery 4, Level 1 
Free entry 
 
On the 250th anniversary of Sir Walter Scott’s birth, experience his novels through objects that inspired him. In this small exhibition we show how Scott drew upon real historical objects for inspiration, placing objects alongside Scott’s words, and the stories in which they feature. While you view these fascinating objects, you can listen to an actor reading extracts from these tales.  
 
In association with Walter Scott 250: Celebrating 250 Years of Scotland’s Greatest Storyteller. 

Visit nms.ac.uk/walterscottexhibition 

Scotland’s Climate Challenge 

Until 27 Mar 2022 
Exhibition Gallery 3, Level 1 
Free entry 

This small exhibition highlights the exciting work being carried out in Scotland to fight against climate change. 

It brings together just some of the technological responses that have been developed in Scotland or that are being used here in the effort to cut carbon dioxide emissions. On show are a range of leading-edge equipment, much of it newly collected, alongside samples of natural material.

Supported by players of People’s Postcode Lottery. 

Visit nms.ac.uk/ClimateChallenge 

 
National Museum of Flight 
East Fortune Airfield, East Lothian, EH39 5LF 
Saturdays and Sundays 10:00 – 16:00 

LAST CHANCE TO SEE LEGO® Concorde Model 
Until 6 February 2022 
Saturdays and Sundays 10:00 – 16:00 
Free with pre-booked museum entry 
 
Master builder Warren Elsmore and his team have created a LEGO® Big Build of the National Museum of Flight’s Concorde.  

Six metres long and made of over 60,000 bricks, you can see the model on display alongside the real thing. The model is made purely from standard 2×4 LEGO bricks and took five days to build as part of our Brick Wonders exhibition in Spring 2021. 

Visit nms.ac.uk/exhibitions-events 

 
Events 

National Museum of Scotland  
Chambers Street, Edinburgh, EH1 1JF 
Open 10:00–17:00 daily 

Discovering Decorative Arts at the National Museum of Scotland 

20 Jan – 24 Mar 2022 
11:00 – 13:00 
Dunfermline Room 
£175 for 10 sessions (concessions available) 

Join this short course from National Museums Scotland and the University of Edinburgh, a great way to explore our collections and their wider history with experts. 

This course will introduce the magnificent decorative arts collections within the National Museum of Scotland. We will explore the historical developments of decorative arts and how they have influenced the modern methods and techniques used to create many of the beautiful objects on display in the National Museum of Scotland.  

This course will be led by Karen A Clulow BA MA FSA Scot. The University of Edinburgh Short Courses are presented by the Centre for Open Learning. 

Book now nms.ac.uk/DecorativeArts 

NEW Wellbeing Weekend: Yoga, sketching and mindfulness 

4 Mar – 6 Mar 2022 
 
A weekend of resetting, relaxing and reflection within the inspiring architecture and galleries of the National Museum of Scotland.   

As we emerge from the darkest months of the year, join us for a series of events to reset your body and uplift your mind. From relaxing yoga to mindful sketching, make the most of our unique spaces and inspiring galleries to improve and enhance your wellbeing. 

The times, dates, prices and booking info for individual events across the weekend are below. 

Yin Yang Flow Yoga 

Friday 4 March 
18:00-19:15 
£15, £13 Members and Concessions 
 
Morning Ashtanga Yoga 

Saturday 5 March  
08:15-09:15 
£15, £13 Members and Concessions 
 
Mindful Sunday Sketch 

Sunday 6 March, 
13:00-14:30 and 15:00-16:30 
£10, £8 Members and Concessions 
 
Wellbeing Trail 

4-6 March 
Free 
See the museum in a new light using our Wellbeing Audio Trail, or pick up a paper copy in the Grand Gallery. 

Book Now nms.ac.uk/WellbeingWeekend 

 
Follow us on Twitter…twitter.com/NtlMuseumsScot 

Follow us on Facebook…facebook.com/NationalMuseumsScotland 

Follow us on Instagram…instagram.com/nationalmuseumsscotland/ 

For booking, opening times and location details, contact National Museums Scotland on 0300 123 6789 

One in three people struggling to keep up with bills and credit commitments – double the pre-pandemic number

Millions driven to harmful desperation borrowing as financial pressure on households deepens

The number of people finding it hard to keep up with bills and credit commitments has doubled since the start of the pandemic according to new research from StepChange Debt Charity.

The charity has found the proportion of people struggling is now nearly one in three (30%) GB adults – 15 million people – compared to 15% (7.5m people) who say they were struggling in March 2020.

The findings are part of a new report – Falling behind to keep up: the credit safety net and problem debt – which reveals the pandemic has further entrenched the use of consumer credit to make ends meet.

The report finds 8.6 million people in financial difficulty in Britain borrowed £26 billion to cover their basic needs in the last year. This includes 3.5 million people who have used credit to pay essential bills.

The number of people resorting to credit is expected to increase as the cost-of-living crisis pushes up the price of basic household essentials.

StepChange’s research reveals a credit market that does not always work for people in financial difficulty, with two-thirds (65%) of those in difficulty having kept up with credit repayments by missing bills, borrowing from family and friends or being forced to cut back to the point of hardship.

Despite rules designed to ensure those in financial difficulty access support, fewer than one in four of those struggling with credit repayments are in contact with their bank or credit firm.

Strikingly, half of GB adults (53%) say that they would be reluctant to seek help with financial difficulty from a bank or credit firm due to concerns about credit reporting and the anxiety and stigma of talking about financial difficulty.

The report finds that rather than access help, people struggling with debt can instead experience steps that make their situation worse. Among Stepchange clients who responded to an online survey, 26% were offered further credit after they were in financial difficulty, 35% had a payment taken they could not afford and 51% had interest added to a debt.

The lack of effective early intervention to identify and provide those in financial difficulty with a safe, fair way out of unaffordable debt is causing social harms, with 6.4 million struggling GB adults saying credit has had a negative impact on their health, relationships or ability to work in the last 12 months.

The research, based on a national survey of GB adults and an online survey of StepChange clients, highlights poor practice in the credit market such as ineffective affordability checks and automatic credit limit increases that draw financially vulnerable households into unmanageable debt.

With the cost-of-living crisis now further squeezing budgets StepChange is warning that many more people are likely to use credit to pay for essentials in the coming months. Urgent action is needed to support households to meet essential costs without resorting to credit.

The Financial Conduct Authority recently announced proposals to implement a new Consumer Duty that will require firms to focus on delivering good outcomes for consumers. StepChange is calling for the FCA to ensure the Duty changes practices that are failing consumers, including:

  • Raising standards of lending and addressing unaffordable credit limit increases so that fewer stretched households build unaffordable credit card debt
  • Requiring firms to intervene proactively and provide a widely available and safe offer to customers unable to keep up with repayments, building on learning from payment deferrals offered during the pandemic.

StepChange is also calling on the Government and the FCA to do more to provide alternatives to borrowing for households that are struggling to meet unexpected expenses, through grants via the social security system and a government-supported no interest loan scheme.

StepChange Chief Executive Phil Andrew said: “The sharp rise in the number of people struggling to meet their financial commitments should raise alarm bells across Government, banks and regulators.

“We are two years into a financially damaging pandemic and going through the sharpest cost of living increase in a generation. While consumer credit can potentially play some part in helping people navigate short-term pinch points, this must not be at the cost of their long-term financial and personal wellbeing.

“For our clients, a cost-of-living crisis is not new – for years we have been seeing a steady rise in the number of households who experience debt simply through a prolonged period of not having enough income to meet their basic needs.

“However, the number of such households looks set to grow, and in the absence of public policy intervention the risk is that such households will have no other option but to turn to borrowing in the short term, which will only exacerbate and prolong their financial difficulties.

“Those responsible for the steering us through these choppy financial waters need to be attuned to the harm many credit products, made available to people on the cusp of financial difficulty, can cause.

“The new Consumer Duty is a crucial opportunity for firms to redesign products and change practices to ensure credit does not exploit financial difficulty and those in difficulty get effective help fast.

“To resist acting is to risk a rapidly escalating debt crisis, particularly among lower income households.”

Work on Roseburn – Leith ‘improvements’ starts on Monday

On Monday (7th February), work starts on a major new cycling and walking route linking the east and west of the city (including other improvements to the area) – from Roseburn to Leith via Haymarket and West End.

The project is divided into  three sections:

Section 1 – Roseburn to Haymarket

Section 2 – Haymarket to Randolph Place

Section 3 – St Andrew Square to Picardy Place

Find out  more about the traffic management arrangements and works planned. 

All project and roadworks information is on the city council’s website:

http://edinburgh.gov.uk/ccwel