Edinburgh Interfaith Association presents A Spotlight On Faith

Edinburgh Interfaith Association (EIFA) has produced a series of online productions, A Spotlight On Faith.

EIFA strives to bring people together for the greater good, provide expert services, build meaningful and beneficial relationships and to represent the interests and needs of faith communities.

The latest video features an interview with Voice finalist Michelle John talking music, faith and her campaign against domestic abuse.

For more interviews go to the Edinburgh Interfaith Facebook page

FM reminds Scotland: lockdown restrictions remain in place until Thursday

Statement given by the First Minister Nicola Sturgeon at a media briefing in St Andrew’s House yesterday (Friday 22 May):

Good afternoon. I’m joined today by Iain Livingstone, Chief Constable of Police Scotland and Professor Jason Leitch, our National Clinical Director. I want to start – as I always do – by updating you on some of the key statistics in relation to COVID-19 in Scotland.

As at 9 o’clock this morning, there have been 14,969 positive cases confirmed – which is an increase of 113 from yesterday.

A total of 1,257 patients are in hospital with COVID-19 – 874 of them have been confirmed as having Covid, and 383 who are suspected of having it. That represents a total decrease of 61 from yesterday and that includes a decrease of 35 in the number of confirmed cases.

A total of 50 people last night were in intensive care with either confirmed or suspected COVID-19. That is a decrease of one since yesterday.

I am also able to confirm today that since 5 March, a total of 3,508 patients who had tested positive and been hospitalised with the virus have been able to leave hospital. Which is, of course, very good news.

And unfortunately though I also have to report that in the last 24 hours, 24 deaths have been registered of patients who have been confirmed through a test as having COVID-19 – that takes the total number of deaths in Scotland, under that measurement, to 2,245.

Let me emphasise once again that these numbers are not simply statistics. They represent individuals who are being mourned by friends, family and loved ones. I want to send my deepest and heartfelt condolences to everyone who has suffered a loss to this virus.

I also want to thank – as I always do – our health and care workers for the extraordinary, incredible work that you continue to do each and every day.

There are two items I want to briefly cover today.

The first is about the routemap we published yesterday, on how and when we might ease the current lockdown restrictions, while continuing to suppress the virus which is so, so vital.

As of 10 o’clock this morning, I can tell you, more than 100,000 of you have viewed that document on our website.  My apologies to those who tried to do so yesterday and found that the demand had made the website struggle. I’m glad that so many people have managed to do so and my thanks to you for doing that.

And I would encourage those of you who haven’t yet had the opportunity, to go online and read it – and if you have any views about it you want us to know please feel free to send them to us.

The document set out the different phases in which we will aim to ease lockdown.

The steps it sets out are by necessity gradual and incremental.  And we will monitor them carefully as they do take effect.

And our plans will change if the data, evidence or our knowledge of the virus changes.

Let me stress though that that could include lifting restrictions more quickly than we otherwise think we can do.

I want to stress – and this is a really important point – that none of the changes are yet in place.  During this Bank Holiday weekend – and into next week – the current lockdown restrictions are still in place.

That’s important for me to stress. The one thing that will slow down the lifting of lockdown is us taking our foot off the brake too quickly and allowing the virus to spread rapidly again.

However, on a more optimistic note, as things stand, we intend to enter the first phase of easing restrictions, from next Thursday 28 May – now less than one week away.

By then, I hope we will still be seeing progress against the virus, but also by then we will also be ready to start with our Test, Trace and Isolate programme – Test and Protect we’re calling it – as  you’ve heard me say before, that is a key tool for us in continuing to keep the virus suppressed as we start gradually easing these restrictions.

As I said yesterday, not all of the Phase 1 measures will necessarily be introduced immediately next Thursday  – though I hope most will be. But we’ll have to make a judgement at the time.

But I want to reiterate some of the changes that I hope we will see from next week so that you know what you’re able to look forward to.

As the document sets out, more outdoor activity will be permitted. There is a strong emphasis in the first phase on outdoor activity because one of the things we are learning about this virus is that the risks of transmission outdoors, although not zero, absolutely not zero, are nevertheless lower than the risks of transmission indoors.

So You will be able in this first phase to sit or sunbathe in parks and open areas.  And as long as you stay two metres apart, you will be able to meet outside, with people from another household, including in private gardens.

Let me be clear because I know it is a question that has been asked, that doesn’t limit you to seeing just one specific household during this phase – you can see different households, but we are asking you only to meet one at a time.

We’re also not intending to put a five mile limit on the distance you can travel to, for example, sit with your parents in their garden.

But we are asking you to use judgement. And increasingly as we come out of lockdown, I’m going to be relying more and more on you to exercise the good judgement that I know you will.

If, for example you travel a long distance to see a relative outside, you’ll be more likely to go inside the house to use the bathroom, for example.

And we don’t want you to go inside others’ houses in this phase because if you are infectious, maybe without knowing it, you risk leaving the virus on surfaces inside the house and that would pose a risk to other people, particularly if you’re visiting elderly relatives – that is a risk we don’t want you to take.

So please use your judgement and have uppermost in your mind the need to protect those you care about – even if that might mean staying apart from them for just a little a bit longer.

As well as those changes, some non-contact outdoor leisure activities will be allowed to restart from the end of next week – such as golf, tennis, bowls and fishing – croquet as well, as I was asked about in Parliament – subject to appropriate hygiene and physical distancing.

People will be able to travel – preferably by walking or cycling – to a location near their local community for recreation. But here we are asking you to stay fairly local. Five miles will not be a strict limit but it is a guide. We don’t want, in this phase, people congregating at tourist hot spots – because crowds of people – even if they’re trying to socially distance – brings more risk than we judge is safe to take at this time.

Waste and recycling services will resume, as will many outdoor businesses.

The construction industry will be able to carefully implement the first steps in its restart plan.

Other industries, that might not resume straight away but in the next phase, will be permitted in phase 1 to start to prepare workplaces.

Outdoor retail outlets such as garden centres will be allowed to reopen.

And, very importantly, we will also start, albeit gradually and carefully, to resume NHS services which were paused as a result of the pandemic.

Schools will not reopen until 11 August.  But, during June, teachers will return to prepare for the new term and for a different model of learning. 

Over the summer, an increased number of children will have access to critical childcare.

And we intend to provide, where possible, transition support for children going into primary 1 or moving from primary 7 to secondary school.

Childminders can re-open during phase 1. And over the summer all early years childcare providers will open again subject to necessary health measures.

The routemap provides more detail on these steps – and on each subsequent phase.  It also outlines how they will work alongside our ‘Test and Protect’ approach – which as I said a moment ago, will be vital, in helping to control the virus.

In the days ahead we will publish more detailed advice and information for you the public, as well as guidance covering key sectors of our economy, travel and transport. That’s a really important part of preparing for the move to phase 1. So that there is as much clarity as possible about what we are saying and what we are asking you not to do at this stage.

However, I want to emphasise a key point.  None of the changes I’ve talked about today, are yet in place.  We can only begin to implement them if we continue to suppress this virus. And that’s why – for the moment – the current lockdown restrictions remain in place.

That brings me to the final item I want to cover.  It’s about our support for people, in dealing with the lockdown.  And it has particular relevance, as we mark the end of mental health awareness week.

We know this crisis is causing increased anxiety and stress for probably everybody in the population.  We also know that – because of the lockdown – many people are cut off from their usual support networks – be that family, friends, or the wider community. That problem is – of course – particularly acute for those of you who are isolating or shielding.

The Scottish Government has been trying to take action throughout this, to address this issue.  Today, I can tell you that – since the lockdown began – we have provided more than £8 million to projects aimed at tackling social isolation.

That money comes from our Wellbeing Fund.  And it is now supporting around 350 projects, in every part of the country.

The services they are providing include phone calls for older people who are self-isolating; food parcels and special packs for families; help with digital technology for those who need it; and respite care for parents of children with additional support needs.

So I want to take the opportunity today to say a heartfelt thank you to everyone working across the third sector organisations and volunteers who are involved in providing these services. Your willingness to help others – at what will also be a difficult time for you, as well as for others – is hugely appreciated.

And I want to stress one of the key messages of mental health awareness week is that it’s okay not to feel okay – and that help is available if you need it.

I would encourage any of you to look for help if you do feel you need it

The Clear Your Head website – clearyourhead.scot – brings together all of the different information about support that is available.

I want to close today by just emphasising the point I’ve made a couple of times already, that for the time being, the current lockdown restrictions remain in place.

The Chief Constable will say a few words in a moment, for now I just want to reiterate – once again – what those restrictions are.

Except for essential purposes – exercise, going to essential work that can’t be done at home, or getting food or medicine you should stay at home.

You can now exercise more than once a day – but please stay more than 2 metres from other people. And don’t yet meet up with people from other households.

Please wear a face covering if you are in an enclosed space like a shop or on public transport. And you should wash your hands thoroughly and regularly.

Finally, if you have symptoms, or someone else in your household has symptoms of COVID-19, isolate completely.

I know how hard these restrictions are.  And I know that hearing me talk about easing them as we head into a bank holiday weekend, will make all of this seem even tougher.

But we need to stick with it for a few more days.  And if we do, I really hope that this time next week when I’m standing here telling you all to have I nice weekend, I’ll also be telling you to enjoy, for the first time in a long while, seeing some family or friends over the weekend – as long as you do it outdoors and remember to stay physically distanced.

Everybody’s been magnificent so far, please stick with it for a few more days and we can take that first step on the road back to some kind of normality.

Thank you all very much for your co-operation and I’ll now hand over to the chief constable to say a few words before handing over to Professor Leitch.

The routemap has been welcomed by SNP MSP for Edinburgh Pentlands, Gordon MacDonald. He said: “We all know that we can’t live this way forever and we all want to get back some sense of normality. 

“While we need to move carefully and gradually, the route map laid out today by the First Minister clearly sets out the steps that will take us there. 

“Too many people in Edinburgh and across Scotland have lost their lives to this disease and we can’t risk another peak – so we must move in line with our own circumstances. 

“We will get through this by working together by sticking to the advice to suppress the virus further and get back a way of life that is as close to normal as possible.”

Hot tips to keep canine companions cool during lockdown

With temperatures set to soar, Dogs Trust, the UK’s largest dog welfare charity, is offering top tips to help owners make sure dogs can stay safe and happy in the sun and keep cool during lockdown.

The charity is advising dog owners how they can keep cool – indoors as well as outdoors – and prevent them from overheating as the days get hotter.

The charity advises:

  1. Avoid walking or doing activities either indoors or outdoors with your dog at the hottest times of the day, so early morning or later in the evening is often best.
  2. Always take plenty of water with you when out with your dog and make sure they have access to fresh water at home at all times.
  3. Tarmac can get very hot in the sun – check it with your hand before letting your dog walk on it so they don’t burn their paws. Try the ‘seven-second test’ – if it’s too hot for your hand, it’s too hot for your dog’s paws
  4. If you need to take your dog out in the car, even if travelling a short distance, avoid travelling during the hottest times of the day and never leave your dog in a car on a warm day. Not even with the window open.

Dogs Trust says that having fun with your dog indoors can be just as stimulating as a long walk, but owners still need to be aware that they need to make sure their dogs stay cool indoors too – so choose the coolest room in the house, stay out of direct sunlight, always have fresh water available and make sure your dog has somewhere cool to relax and sleep.

To help owners keep their dogs entertained whilst we are all spending more time at home,  Dogs Trust has come up with eight fun ways to have fun with a cardboard box and tubes (like those you’d find in a toilet or kitchen roll).

  1. The paw-fect figure 8: Get two boxes and set them out a little distance apart. Hold your dog’s treats or a favourite toy in one hand and slowly start to move them in a figure of eight around the two items, swapping the reward into your other hand at the centre point. One arm will guide your dog around the item to the left and the other arm will guide your dog around the item to your right. Repeat several times until you’ve got the movement smooth and well-rehearsed!
  2. Digging deep: Shred or scrunch up newspaper or any paper items and pop them in an empty box. Drop in some treats or toys, and watch your dog dig away!
  3. Paws-up: Can you get them to put their front feet on the box? Their back feet? Can you get them to run round to the left, to the right? Can smaller dogs sit in the box? Think outside of the box and we’re sure you won’t be able to contain yourself with all this fun!
  4. Bowling balls: Create a 10-pin bowling alley with spare kitchen roll tubes. Have a competition and see how many pins you can knock down vs. your dog!
  5. Tunn-els of fun: Cut the sides of a few boxes and line them up to make your very own DIY tunnel. Encourage your dog to go through with the promise of treats or their favourite toy at the end of the tunnel!
  6. Jog your dog’s memory: Lay out multiple boxes in a semi-circle and pop a treat in one of them, making sure your dog is watching. Hold up a sheet to block your furry friend’s vision, drop and then see if they remember which box the treat was in! Repeat the game and change the box with the treat in, see how many times they get it right!
  7. Snoot challenge: next level – remember the original snoot challenge where you had to make a circular shape with your hands and wait for your pooch to run up and put their nose through the hole? Building from this, cut a hole out in your box and see if you can get your dog to poke their nose through it! *boop*
  8. Teach your dog to read: for starters write different words (e.g. sit, down, paw) on different boxes that you want your dog to learn. Say the word that’s on the specific box in front of them, and ask them to do what the word says. When your dog does as you’ve asked, reward them with a tasty treat and repeat several times until your dog has associated the new word, with the specific box!

Dogs Trust Veterinary Director, Paula Boyden, says: “There are so many things we can do to make sure our dogs stay happy and healthy in hot weather, but it is crucial we keep a close eye on them, even if we are playing indoors as many of us are at the moment.

“If you want to spend time in your garden with your dog, make sure they have plenty of shade and if they have shown they are comfortable around water, introduce them carefully to a shallow paddling pool in the shade.

“If you do need to head out in the car with your dog, please be very careful. As little as twenty minutes can prove fatal if a dog is left alone in a car on a warm day.

“Many people still believe it’s OK if the windows are left open or they’re parked in the shade, but the truth is, it’s not and we strongly advise that dog owners never leave their dog in a car on a warm day, even if it feels cool outside.”

If you see a dog in a car in distress, Dogs Trust advises that members of the public call 999. Signs of a dog suffering from heatstroke include excessive panting, heavy salivation, vomiting or diarrhoea, lack of co-ordination or loss of consciousness.

We understand dog owners are anxious to ensure their four-legged friends are being well looked after and exercised in these difficult times, while we all stick to the government advice on each of the four nations.

While in England you can now go out to exercise as much as you like, please remember to keep your distance from other dog walkers , keep your dog on a lead and think about going out at a time of day when it might be a bit less busy.

Of course, some may need to use dog walkers, who are prioritising key workers – just be sure to hand your dog over in space large enough to maintain social distancing and to wash all equipment after your pooch returns.

For more information and advice, see www.dogstrust.org.uk

Scotland’s Hockey Clubs make the pledge

Despite their inability to play matches, Scotland’s 100 hockey clubs have been invited to sign a Club Pledge to keep the sport connected and vibrant throughout the Covid-19 pandemic.

And so far, in just over one week, over 60 of them have done so, with yet more looking to sign-up in course of the month of May.

The Club Pledge can be found at https://www.scottish-hockey.org.uk/clubs/club-pledge/.

The Club Pledge is intended to bring the hockey community together and connected, while showcasing the good work being done by clubs and to enable other clubs to do the same.

Scotland’s hockey club members are being urged to maintain club togetherness and community to help the sport to thrive.

By making the Club Pledge the clubs will:

  • Hold weekly club/team online (Zoom/Teams/GoTo) meetings at the time their training session would be.
  • Host virtual club social events – online quiz; karaoke; party nights
  • Set club challenges to raise money for charity and good causes – for example run 5k and donate £5.
  • Profile club members who are on the front line – working in the NHS; carers; supermarket workers; refuse workers etc.

Paul Elliott, Communications Manager at Scottish Hockey, said: “Scotland’s hockey club members are missing the bonds and companionship they get from playing and training with their team mates for the game they love.

“This initiative helps clubs and teams maintain those bonds and keep spirits high in preparation for that time when we can all meet up again on the hockey pitch.

“In the meantime we are hoping that all of our affiliated hockey clubs will make the Club Pledge to maintain the great sense of community and togetherness people enjoy through hockey.

“There’s also an amazing amount of fundraising taking place through Club Pledge, so collectively we will hope to establish the amount of funds that have been raised for good causes right across the country.”

Mental Health Awareness Week: Kindness Matters

NHS 24 reminds us that kindness matters during Mental Health Awareness Week:

NHS 24 is taking time during Mental Health Awareness Week to remind those who might need some support of their Breathing Space service, and the importance of being kind to yourself.

Breathing Space is a free, confidential phone and web based service for people in Scotland experiencing low mood, depression or anxiety.  The service offers a friendly ear while also providing professional support to those who might need it.

Tony McLaren, National Coordinator of Breathing Space, says: “We all need support from time to time, and it’s really important to remind ourselves that it’s ok to ask someone for help.

“Sometimes we can feel a bit stuck- you might think that others appear to be coping well, so why do I feel I am struggling? It’s worth remembering if you aren’t comfortable speaking to friends or family, you can ask for help on the phone as well. Our advisors will give you time to open up, should you be experiencing distress in your life.

‘Please don’t feel you have to wait until things are very bad to get in touch. Our service is there to provide space to think about why you might be feeling anxious or low. At this time it’s important to look after our mental health, and remind ourselves that kindness matters.”

Breathing Space is available on 0800 83 85 87 or on www.breathingspace.scot, Monday-Thursday 6pm to 2am and from Friday 6pm-Monday 6am.

Find us at www.twitter.com/nhs24 and www.facebook.com/nhs24

Three in four people blind and partially sighted people concerned about getting access to food

Difficulties in social distancing are adding to the stress many blind and partially sighted people are experiencing in getting access to basic shopping, a survey by the charity RNIB has found.

“This first nationwide survey of how people with sight loss are coping during the current lockdown situation suggests it might be impacting particularly severely on them,” James Adams, director of RNIB Scotland, has warned.

“Three in four respondents to our survey reported being very or quite concerned about getting access to food. Uncertainty and confusion over access to shopping and information – compounded by isolation and the barriers to being guided because of social distancing – all add to the stress many people are feeling.

“We are working with supermarkets to ensure those who can’t leave the house, or who can’t see to easily social distance themselves from other shoppers, do have access to basic food supplies.”

People with sight loss can struggle to maintain social distance as they can’t always see other shoppers approaching them, pointed out Mr Adams.

Eighty per cent of people replying to the RNIB survey said that the way they do shopping has changed since lockdown.

Before, 28 per cent said they had done their own shopping. Now, half that proportion do. And while only 18 per cent had previously relied on someone to shop for them, now 49 per cent do. 25 per cent said there was no one in their household who could guide them around a shop.

Shopping online has also proved a problem. 67 per cent of respondents had experienced difficulty finding a supermarket delivery slot, while 26 per cent said they couldn’t access the supermarket booking web-page. RNIB has pressed government and supermarkets to add blind and partially sighted people to the priority delivery list.

The survey has also revealed that the isolation imposed by lockdown has hit blind and partially sighted people particularly hard.

78 per cent said they had less contact with ‘the people who matter to me’; one in five people reported that they now rarely speak to people either over the phone, on video calls or in person since lockdown; while five per cent did not know how to contact many of the people they would normally be in touch with at least once a week.

Accessible information was another worry. One in four respondents had struggled to get written information in a format that they could understand.

“We have urged government and public bodies to ensure that often vital  information is available in formats such as audio and braille,” said Mr Adams.

“While social distancing is an important health measure, the consequences for those who are less able to comply can be difficult, especially if other people wrongly assume they are just being lackadaisical. We need to give more thought to how we ensure people with sight loss don’t end up becoming prisoners of lockdown.

“Our RNIB Helpline is available to help and support all blind and partially sighted people and their families and carers on 0303 123 9999. We want people with sight loss to know they are not alone and that help is available”

Case study – Kirin Saeed from Edinburgh:

One in five respondents to the RNIB survey said they have had to ration food during the current lockdown period:

Kirin Saeed from Edinburgh is registered blind. “I’ve found myself limiting the food I eat as I’m never that sure when my next food delivery will be,” she says. “I have a paid carer who lives some distance away and I’m conscious I don’t want to burden her with too much shopping. Also, as I’m in the black and minority ethnic group and possibly more vulnerable to the coronavirus virus, I need to limit contact with others.

“If I went to a shop myself social distancing would be a massive problem. Touching things to ascertain what they are would, too. Blind people live in a world where touching things is important – but how long does the virus stay on things we touch?

“I don’t think this situation is going to change anytime soon. Everyone’s scrambling through the here and now –  but what about the here and after? There will still be social distancing.

“The hope I have is that shops and supermarkets agree a standardised policy for customers with sight loss, so that we know how to safely get around shops and so do staff. That would be the best way forward for everybody.”

MSPs call for significant changes to debt solution

Holyrood’s Economy, Energy and Fair Work Committee has published a report on protected trust deeds citing that changes are needed to make the debt solution more effective in supporting people who are in debt.

A protected trust deed is one of three statutory debt solutions in Scotland. It involves a debtor’s assets being managed by an insolvency practitioner for the benefit of the creditors for a four-year period. During this time, part of the debtor’s income is paid to the insolvency practitioner.

Last year around 8,000 people entered a protected trust deed, 150,000 people sought debt advice and, beyond that 600,000 adults are considered to be over-indebted in Scotland.

Amongst its calls within the report, the Committee asked for changes to the way fees are charged in protected trust deeds. The current rules can see debtors making contributions but not reducing their overall debt levels for at least the first two years.

Committee Convener Michelle Ballantyne MSP said: “Now more than ever people’s finances will be feeling the strain, and some will be contemplating seeking help to clear their debts.

“A debt solution should work in reducing that person’s debt. We heard evidence which showed that fees were being frontloaded resulting in the overall debt not lowering despite payments being made. This needs to change.

“The Committee welcomes the Scottish Government’s commitment to conduct an overarching debt review. However, it is incredibly important that the Scottish Government listen to the Committees recommendations to ensure that protected trust deeds act as an effective debt solution and debtors are safeguarded from the potential harm that can be caused when things go wrong.”

The Committee also heard evidence that online advertising and social media campaigns can target people in debt, offering a solution which is not always suitable for their circumstances.

Michelle Ballantyne MSP added: “People in debt must receive the right help and advice and not choose a solution based purely on what they saw on social media that day.

“The Committee recommends tighter regulations on online advertising and believes that free independent money advice would help ensure that people make the decision right for them.”

There are three statutory debt solutions in Scotland:

Bankruptcy – All of the debtor’s assets are managed by a trustee for the benefit of creditors for a four-year period. Contributions from income will also be required, where appropriate. Almost all outstanding debts are written off at the end of the four-year period, allowing the debtor to become debt free.

Debt Payment Programme under the Debt Arrangement Scheme – Debtors make payments over an extended period of time to pay off their debts. It can last for any “reasonable” time period, but the average is around seven years. Debts are not written off, so the scheme is only available to those who can repay in full over the length of the scheme.

Protected Trust Deed – As with bankruptcy, a debtor’s assets are managed by a trustee for the benefit of creditors for a four-year period. Contributions from income will have to be sufficient to pay the trustee’s fee and provide a return to creditors. Protected Trust Deeds are seen as offering more flexibility than bankruptcy.

Informal debt solutions – Most debtors negotiate informally with their creditors to make lower repayments. These arrangements can be unstable, and do not prevent creditors from taking action to enforce their debts if they think they should be paid more.

The published report can be found here.

Are you struggling to manage debt? Free, independent advice is available. Granton Information Centre’s office on West Granton Road is currently closed to the public, but they at still here to support you.

If you have money worries, employment concerns or housing issues, or if you are claiming benefits for the first time and find it all very complicated, contact Granton Information Centre and speak to an adviser:

Telephone 0131 552 0458 or 0131 551 2459

Email info@gic.org.uk

Granton Information Centre: here to help.

Support for customers who are struggling to pay their mortgage due to coronavirus

The Financial Conduct Authority (FCA) has today announced proposals which will continue support for customers who are struggling to pay their mortgage due to coronavirus (Covid-19).

The proposal outlines the options firms will be required to provide customers coming to an end of a payment holiday, as well as those who are yet to request one.

For customers yet to request a payment holiday, the time to apply for one would be extended until 31 October 2020.

For those who are still experiencing temporary payment difficulties due to coronavirus, firms should continue to offer support, which could include extending a payment holiday by a further three months.

Christopher Woolard, Interim Chief Executive at the FCA, said: “Our expectations are clear – anyone who continues to need help should get help from their lender.

“We expect firms to work with customers on the best options available for them, paying particular attention to the needs of their vulnerable customers, and to provide information on where to access help and advice.

“Where consumers can afford to re-start mortgage payments, it is in their best interests to do so. But where they can’t, a range of further support will be available. People who are struggling and have not had a payment holiday, will continue to be able to apply until 31 October.’

If the proposals are confirmed, the FCA would expect:

  • Customers who can afford to return to full repayment should do so in their best interests – at the end of a payment holiday, firms should contact their customers to find out if they can resume payments and if so, agree a plan on how the missed payments will be repaid.
  • Anyone who continues to need help gets help – lenders should continue to support customers who have already had a payment holiday where they need further help. Firms are expected to engage with their customers and find out what they can re-pay and, for those who remain in temporary financial difficulty, offer further support. As part of this firms should consider a further three-month payment holiday.
  • Extending the time the scheme is available to people who may be impacted at a later date – customers that have not yet had a payment holiday and experiencing financial difficulty will be able to request one until 31 October 2020.
  • Keeping a roof over people’s head during a public health crisis – the current ban on repossessions of homes will be continued to 31 October 2020. This will ensure people are able to comply with the government’s policy to self-isolate if they need to.
  • Payment holidays and partial payment holidays offered under this guidance should not have a negative impact on credit files. However, consumers should remember that credit files aren’t the only source of information which lenders can use to assess creditworthiness.

This guidance would not prevent firms from providing more favourable forms of assistance to the customer, such as reducing or waiving interest.

Firms should consider signposting customers towards sources of debt advice. Debt advice may be helpful for customers coming to the end of payment holidays and may be particularly useful for consumers with pre-existing payment shortfalls or who are likely to be in longer-term financial difficulty.

When implementing this guidance, firms should be particularly aware of the needs of their vulnerable customers and consider how they engage with them. For customers who aren’t able to use online services (such as digital channels), firms should make it easy for customers to access alternatives.

The FCA welcomes comments on these proposals until 5pm on Tuesday 26 May and expects to finalise the guidance shortly afterwards.

This guidance only applies to mortgages. It does not apply to consumer credit products which are covered by separate guidance which will be updated in due course.

Gareth Shaw, Head of Money at Which?, said: “The extension of these measures will bring relief to people who would otherwise struggle financially during the challenging months ahead.

“Mortgage lenders should make the process as straightforward as possible, ensuring people can easily access the support they need.

“Consumers should also consider their options carefully as a mortgage payment holiday will likely lead to increased payments in the future – so it is likely to be in their interest to continue making payments as normal if that is feasible.”

Edinburgh folk urged to stay at home

The City of Edinburgh Council is encouraging residents to protect themselves and everyone around them by continuing to follow the Scottish Government’s advice to stay at home.

Speaking at Parliament yesterday, First Minister Nicola Sturgeon reiterated the ongoing responsibility we all have to stop the spread of the virus by keeping to public health guidance, only leaving home for essential activities and exercise until restrictions change.

Unveiling details of a four-phase ‘route map’ towards managing the country’s lockdown recovery, it was announced that some rules could be relaxed from 28 May but that physical distancing will remain firmly in place. Clear guidance on the steps we should all continue to take to keep safe is available on the Scottish Government website.

Responding to the update, Council Leader Adam McVey said: “Keeping people safe remains our number one priority and that of the whole country. The First Minister has made it clear that progress remains fragile and lockdown restrictions can only ease if we all continue to stick to the rules and play our part in keeping this virus at bay.

“The route to recovery outlined today is a clear and welcome piece of guidance around how we can expect the first careful steps on Scotland’s journey out of lockdown to take place. Further advice from Government has been promised in the coming days and weeks and I would encourage all residents, businesses and services to follow this national guidance. We all still have a responsibility to keep each other safe.”

Depute Leader, Cammy Day, said: “We’re working closely with our schools, our parks staff and waste and recycling centres so that moves are made to further protect our City’s children, residents and workers when rules do change.

“This emergence will need to be gradual and phased, in line with the Government’s route to recovery plans, and our focus will remain protecting lives.

“We’re all looking forward to being able to spend more time outdoors and while these are welcome proposals, the advice at this point in time remains the same. Stay home as far as you can, follow Government guidance and continue to protect lives.”

Public advice is available on the Scottish Government website and information on Council services during the pandemic can be found at our coronavirus webpage.

First Minister sets out first steps on road to recovery

“Moving back to some normality”

In full, First Minister Nicola Sturgeon’s statement to the Scottish Parliament yesterday:

Presiding Officer,

The Scottish Government has just published a route map to take Scotland through and out of the Covid crisis.

It provides information about how and when we might ease the lockdown restrictions, while continuing to suppress the virus. And it provides us with some indication of what our journey to a new normal might look like.

The route map is, for ease of access, high level. But it will be supplemented in the days ahead with detailed advice and information for the public, as well as guidance covering key sectors of our economy, travel and transport.

In publishing this route map, we confront a fundamental issue. The lockdown restrictions have been absolutely necessary to mitigate the massive harm caused by the Covid-19 virus. However the lockdown is creating harms of its own – loneliness and social isolation, deepening inequalities and serious damage to our economy.

None of us want it to last any longer than it has to.

So today we are setting out the phases in which we will aim to ease lockdown and reduce the impact on all of us – individuals, families, communities and businesses.

The steps we will take are by necessity gradual and incremental – and they must also be matched with rigorous, ongoing monitoring of the virus.

There is no completely risk free way of lifting lockdown. But we must mitigate the risks as much as we can. And we must not at any stage act rashly or recklessly.

For all our progress, this virus has not gone away. It continues to pose a significant threat to health. And if we move too quickly or without proper care, it could run out of control again very quickly.

And the danger of a second wave later in the year is very real indeed.

We mustn’t forget any of that.

At every stage, though, the biggest single factor in controlling the virus, will be how well we all continue to observe public health advice.

Continued high compliance with the restrictions that are in place at any time, together with hand washing, cough hygiene and physical distancing will continue to be essential, as will wearing a face covering where appropriate.

And we must understand and accept what a Test, Trace, Isolate system will require of all of us.

Each of us will have an ongoing responsibility to protect ourselves and to protect each other.

I want to do three things in today’s statement. First, give an update on where we are now in our efforts to control the virus.

Second, set out the initial ways in which lockdown restrictions are likely to be eased, from the end of next week.

And, finally, discuss possible future steps – and the approach we will take in deciding which ones to take, and when.

But let me stress now that the nature of what we are dealing with means these proposals cannot be set in stone.

We will conduct formal reviews at least every three weeks to assess if and to what extent we can move from one phase to the next, but we will be constantly alive to when we can go faster, or indeed whether we have gone too far.

It may be that we can’t do everything in a particular phase at the same time. A single phase may span more than one review period. Some measures may be lifted earlier than planned and some later.

And, of course, our plans will change if the data, evidence or indeed our understanding of the virus changes.  We also welcome views on these plans, including, of course, from other parties.

In addition, I would encourage members of the public to read the route map at www.gov.scot and let us know your views. This crisis affects all of us, and how we emerge from it safely matters deeply to all of us.

In setting out where we are now, I will give an update on the daily statistics, before putting the data we now have into a broader context.

In doing that, I want to thank – as I always do – our health and care workers for the extraordinary work they are doing in incredibly testing circumstances.

As at 9 o’clock this morning, there have been 14, 856 positive cases confirmed – that is an increase of 105 from yesterday.

A total of 1,318 patients are in hospital with Covid-19 – 909 of them who have been confirmed as having the virus, and 409 who are suspected of having Covid. That represents a total decrease of 125 from yesterday, including a decrease of 34 in the number of confirmed cases.

A total of 51 people last night were in intensive care with confirmed or suspected Covid 19. That is a decrease of 2 from yesterday.

And unfortunately I also have to report that in the past 24 hours, 37 deaths have been registered of patients who had been confirmed through a test as having the virus – and that takes the total number of deaths in Scotland, under that measurement, to 2,221.

These numbers – together with yesterday’s figures from National Records of Scotland – spell out very starkly the human cost of this virus.

These are not simply statistics – they all represent individuals whose loss is a source of grief to many. And I want to send my deepest condolences to everyone who has lost a loved one to this virus.

However the numbers also make clear, as I indicated yesterday, that our efforts to curb covid-19 have had an impact. Our mid-range estimate for the number of infectious people in Scotland is now 25,000 – however we expect that number to decrease further.

We are now seeing significant and sustained reductions in the number of confirmed Covid patients in hospital. The number of Covid patients in intensive care is now less than a quarter of what it was at its peak.

And yesterday’s National Records of Scotland data showed that Covid deaths have now fallen for three consecutive weeks – last week’s total was just over half the figure that was reported for the last full week of April.

We are also publishing today a paper which sets out the methods we use for calculating the R number – the rate at which the virus is reproducing. We will now publish our up to date estimate of the R number each Thursday.

Our latest estimate is that the R number remains between 0.7 and 1. In March, it was probably above 4.

And it’s worth saying that although these figures do indicate real progress, we cannot and must not be complacent. Progress remains fragile and it would be too easy for the virus to run out of control again.

The total number of Covid deaths – 351 last week alone – is still far too high. And although we estimate that the R number is below 1, the range has not changed this week, and there is still uncertainty about just how far below 1 it is. It may also still be slightly above other parts of the UK.

However we now have some confidence that the R number has been below 1 for more than 3 weeks, and that there has been a reduction in new cases and in the impact of the virus.

In my judgement, therefore, the time is right to move towards a careful relaxation of lockdown restrictions – but, as I will say in a moment, we must do so on a timescale that aligns with our development of test, trace and isolate.

Today’s route map explains the framework we are using for that relaxation – and sets out future steps people can expect to see, and in what order.

It is based firmly on the criteria set by the World Health Organisation, and it takes account of the experiences of other countries.

A key aspect of our strategy – as recommended by the WHO – is the “test, trace, isolate, support” approach, which will operate in Scotland as “Test and Protect”.

We will test anyone who has symptoms consistent with COVID-19 and ask them to isolate.

We will use contact tracing to identify the close contacts of positive cases.

We will ask those close contacts to self-isolate, so that if they do develop the disease, there is less risk that they will pass it on to others.

And we will make sure that support is available to those who need it.

We will also carry out ongoing surveillance and furnish the public with up to date information about transmission rates and significant clusters.

That system of test and protect run by NHS Scotland is already being used on a case by case basis. From the end of this month it will be available, on an expanded basis, in every health board across the country.

That timescale gives us added confidence that we can take the first, careful steps on our journey out of lockdown from next week.

Test and Protect will be a crucial tool in controlling this virus. However, it will be most effective if we continue to suppress the virus, so that the number of infections reduces further.

And that is why our emergence from lockdown must be gradual and phased.

Today’s route map outlines four phases in emerging from the Covid crisis beyond the current lockdown phase, and it covers nine key aspects of our lives – seeing friends and family; travel and getting around; education and childcare; work, business and the economy; shopping and leisure; sport and culture; public gatherings and special occasions; communities and public services; and health and social care.

We are legally required to review the lockdown restrictions every three weeks. The next review date is next Thursday, 28th May.

Providing that we continue to make progress in tackling Covid over the next week and, in particular, see no regression in our progress so far, I can confirm that the government intends to move from lockdown to phase 1 – and thereby lift some restrictions – from 28th May.

As we enter later phases – as and when the evidence allows – more restrictions will be removed. Details of the relevant criteria to be met and restrictions to be eased in each phase are set out in the document.

I’m sure that everyone watching will want to know what changes will be made as we move to phase 1.

But first, a word of caution – not every phase 1 measure will necessarily be introduced immediately on 28th May.

Some may be introduced a few days after that and, depending on the evidence, it is possible that some may have to be postponed – though I very much hope that won’t be the case.

But next week, when we have completed our formal review, we will make clear  exactly what changes we are making and when, and ensure that detailed information is available for the public.

However let me set out some of the likely changes in phase 1.

More outdoor activity will be permitted.

You will be able to sit or sunbathe in parks and open areas, and you will be able to meet people from one other household, although initially in small numbers, while you are outside. This is a change which we hope will benefit everyone, but particularly those without gardens, and people who live on their own.

It is important to stress that different households should remain two metres apart from each other – that is critical in ensuring that this change doesn’t provide the virus with easy routes of transmission.

And because of the much higher risk of indoor transmission, visiting inside each others’ houses will not be permitted in phase 1.

Some non-contact outdoor leisure activities will be allowed to restart – such as golf, tennis, bowls and fishing – subject of course to appropriate hygiene and physical distancing.

In addition, people will be able to travel – preferably by walking or cycling – to a location near their local community for recreation. Although, we are asking people where possible to stay within or close to their own local area.

Waste and recycling services will resume, as will many outdoor businesses, such as agriculture and forestry.

The construction industry will be able to carefully implement steps 1 and 2 of its 6 step restart plan which it has developed with us. However, let me be clear that there must be genuine partnership with trade unions – this can only be done if it is done safely.

Other industries that are expected to resume in phase 2, will be permitted in the first phase to prepare workplaces for the safe return of workers and customers.

We will no longer discourage take-away and drive-through food outlets from reopening, as long as they apply safe physical distancing. Outdoor retail outlets such as garden centres will be allowed to reopen.

However, non-essential indoor shops, and indoor cafes, restaurants and pubs must remain closed in this first phase.

Some key community support services will resume – for example face to face Children’s Hearings will restart, using physical distancing, and people at risk will have more contact with social work and support services.

We are also planning a phased resumption of aspects of the criminal justice system.

And we will carefully and gradually resume NHS services which were paused as a result of this crisis.  I also want to remind people that as of now, you should contact your GP, NHS 24 or 999 if you need to. That message is really important.

These phase 1 measures – most of which have an outdoor focus – are not in place yet, let me stress that and they are dependent on all of us continuing to suppress the virus. They will also be monitored carefully as they do take effect.

However we view them as a proportionate and suitably cautious set of first steps. And I hope they will bring some improvement to people’s wellbeing and quality of life, start to get our economy moving again, and start to steer us safely towards a new normality.

It’s important to stress, though, that while the permitted reasons to be out of your house will increase, the default message during phase one will remain Stay at Home as much as possible.

As we move into subsequent phases, more restrictions will be removed. Details of these later phases – and the criteria we will need to meet – are set out in the document. We will make decisions on when and to what extent we can move to these phases carefully and on the basis of evidence. And we will carry out formal reviews at least every 3 weeks, though I hope we can move more quickly than that if the evidence allows.

Presiding Officer, I want to take a moment now to talk directly to people who are currently shielding – those we have asked to isolate completely for 12 weeks, because we know they are at the greatest risk from this virus.

We know that the isolation imposed by shielding over a long period of time is in itself very difficult and indeed harmful. And so, although we are not changing our advice on shielding yet, I can confirm that we will issue new guidance before the initial period of shielding ends on 18 June.

This will aim to increase your quality of life and your ability to make informed choices, while continuing to protect you as much as possible from the risks the virus poses. I really understand how hard this is for this for you who are shielding, and I want you to know that you are central to our thinking as we move forward, through and out of this crisis.

Presiding Officer, more generally, the route map sets out what phases 2, 3 and 4 will mean for different areas of activity.

It tries to give as definite sense as possible of when, and on what basis, we might be able to see friends and family, on something like a normal basis.

We also set out what the different phases will mean for transport – and I can confirm that we will publish a much more detailed transport transition plan on Tuesday next week.

We also outline the further stages in which businesses might reopen.  Let me stress that we want to move through these stages as quickly as the evidence allows.

Getting the economy moving again really matters to all of us, and therefore we have sought to focus first on industries where people simply cannot work from home.

However, safety and the confidence of employers, employees and customers is essential. And that is why detailed guidance for key sectors of the economy will follow in the days ahead.

Let me stress that we will continue to require for the foreseeable future home working where that is possible – and we will also encourage flexible working, including consideration of four day weeks for example.

We indicate the phases in which service industries might reopen – that is businesses such as restaurants, bars and hairdressers, the latter being a priority, I know, for almost every woman in the country and some men. For restaurants and bars, I think I’ll not go any further there Presiding Officer, for restaurants and bars, opening of outdoor spaces will come earlier than opening of indoor spaces.

The route map also indicates when places of worship might reopen.

And it makes it clear that while our current guidance on funerals – one of the most distressing and heartbreaking rules of the current lockdown – remains unfortunately unchanged for now, we do hope to relax it as we move from phase 1 to phase 2.

Finally Presiding Officer, I know that a key priority for parents, children and young people is education and early years services.

I can confirm that we are planning to allow Universities and colleges to have a phased return next term, with a combination of remote learning, and some limited on-campus learning.

On schools and early learning and childcare, we have published today the report of the Education Recovery Group, which is chaired by the Deputy First Minister and  includes representatives of councils, parent and teacher organisations and trade unions.

Through this approach, we have reached an agreed position that will help us build confidence amongst pupils, parents and teachers about a safe return to formal schooling.

The report can be read in full on the Scottish Government website. I stress that all of its conclusions are subject to health advice, and to appropriate measures on physical distancing, testing and provision of protective equipment, where required, being in place.

But let me summarise now the key points.

Teachers and other school staff will return during June to prepare classrooms for the new term and a different model of learning.

During June and over the summer, an increased number of children will have access to critical childcare – such as has been provided for the children of key workers during lockdown.

And we will provide, where possible, transition support for children going into primary 1 or children moving from primary 7 to secondary school.

From 11 August, all schools will re-open. However, to allow appropriate physical distancing, children will return to a blended model of part time in-school and part time at-home learning.

Childminders can re-open during phase 1 and over the summer all early years childcare providers will re-open, subject to necessary health measures. Capacity will be prioritized for children of key workers, early learning and childcare entitlement and children in need. And the Care Inspectorate will provide further guidance in due course.

Now these arrangements will not represent a complete return to normality by August. But we judge them to be the most sensible and safe approach we can plan for at this stage.

To reflect the fact that children will still be doing part of their learning at home, we are also going to invest a further £30 million to provide laptops for disadvantaged children and young people to enable them to study online.

Presiding Officer, I want at this stage to take a moment to say a huge thank you to parents, carers and teachers who are doing so much to ensure that children continue to learn during this lockdown period.

And I want to send a special message to children and young people themselves – on the off chance that any of you are watching a parliamentary statement – I know how difficult it has been for you not to be at school and with your friends, but you have been magnificent during this lockdown period – and from the bottom of my heart thank you to every single one of you.

Presiding Officer, to conclude as I have briefly summarized and I know all members will take time to study this document in full, this route map tries to sketch out as much detail as we can provide at this stage, how and in what stages, we might move back to some normality as we continue to live with this virus, as we are going to have to do for quite some time to come.

It does not yet set definite dates for all phases, because it cannot do so, we know that this virus is and will remain unpredictable.

And of course to a great extent, the timing of these changes, the timing of moving from one phase to another will depends on all of us – it will depend on our continued ability to suppress the virus even as we move out of lockdown.

Our emergence from lockdown will be faster or slower, depending on the continued success that we have in suppressing the virus.

It’s also worth saying I think that in the weeks ahead, our messages will inevitably have to become more  nuanced and more complex, as we try to strike a very difficult balance protecting public health and also allowing more personal choice.

Straightforward, strict rules will gradually be replaced by the need for all of us to exercise judgment and responsibility.

However some key advice – for example on isolating if you have symptoms of Covid,  strict physical distancing, washing your hands and face coverings – will remain the same throughout.

We must continue, all of us, to recognise that every decision we take as individuals, has an impact on others and on our collective wellbeing.

That sense of collective responsibility has been so appreciated by me and I know by all of us throughout this lockdown period – indeed, it is only because people across the country have so overwhelmingly observed the lockdown restrictions, that we are now in a position of being able to plan ahead.

It will be absolutely vital for all of us to continue to abide by whatever rules are in place at any particular stage.

And for the moment – until 28 May – I must therefore stress that our key public health guidance, as of now, remains unchanged.

Please stay at home except for essential purposes – which right now include exercise, going to essential work that cannot be done at home, or shopping for essential items like food and medicine.

You can now exercise more than once a day – but when you do leave the house, please stay more than 2 metres from other people. And for now don’t meet up with households other than your own.

Please wear a face covering if you are in a shop or on public transport. And remember to wash your hands thoroughly and regularly.

Finally, if you or someone else in your household has symptoms of Covid-19, please stay at home completely. Those symptoms as a reminder are a high temperature, a persistent cough, or a change or loss of smell or taste.

I’m very aware that talk of emerging from lockdown, as well as the nice weather we’ve enjoyed in recent days makes these restrictions even harder. But I want to stress by abiding by them is what makes it possible for us to think about relaxing them.

By doing the right thing, and continuing to do the right thing, all of us have helped to slow the spread of this virus, we’ve helped to protect our NHS from being overwhelmed, and despite the grim numbers of people dying, we have helped to save lives.

And as a result of all of that personal sacrifice, on the part of everybody sacrifice for the common good we are now able – gradually, cautiously, and in phases – to plan our move back to some normality.

So I want to end Presiding Officer, by thanking everyone for making this prospect possible.