I find it incredible that the Scottish Government has not joined the dots. Where there's health deprivation, there's economic deprivation, and there's access to credit deprivation.

Absolutely. If they don't have access to credit, what options have they when something goes wrong in their life?

They didn't choose. They didn't go to you know Paris every weekend with a partner, or you know go to the U.S. World Cup. They were just getting along, and something terrible happened to them.

It's just a question of political will to join the dots and understand what a crippling position probably a million Scots are in.

We don't have any embarrassment about 79.9% because the alternative for our consumers is over 1,000% APR.

People listening to this … will do so with a degree of incredulity that [the Conservative party] was preferring to go down a route of playing some weird political game while the Middle East is on the brink of conflagration.