I should qualify some of this. Kezia Dugdale MSP in the Scottish Labour Party has done a lot of excellent work as a regional MSP in her Debtbusters campaign against pay-day loan companies. She was also the No campaign's representative at a recent public debate.

--> snip

Dear Ms. Dugdale,

I'd like to state that I enjoy both our Twitter exchanges and keeping up to date with your activities and work. You came to my attention during your excellent regional work in Debtbusters. It is the complexities of this, as you highlighted in the Debating Scottish Independence public debate on 6th March, within the context of an independent Scotland, that I write to you today. I mentioned it to you on Twitter, and seek clarification now.

My interpretation is thus: The underlying regulation - rather than your outstanding campaign work for local amelioration - is unlikely to be faced until the Labour Party legislate UK-wide, or a Scottish Parliament can hold the full powers to do so. I was distraught to learn of the very poor debate in the Holyrood debating chamber, where independence was held up as *the* solution by MSPs within the government. You disagree that Scotland should be an independent country, and believe that as an independent country we would face other difficulties for dealing with this vile problem.

So, please can you outline the specific concerns and difficulties that would face an independent Scotland, with its full powers, to legislate against pay-day loans. If you have made speeches inside or outside the chamber, or had written correspondence with ministers which deal with this specific concern, I would like to read and consider them. Furthermore, I would appreciate your considered perspective in this matter should Scotland decide to become independent. I believe that social justice unites us regardless of party affiliation, or constitutional preference.

Thank you for your very welcome invitation to the Debtbusters public meeting in April. I shall be happy to attend, and will see if I can bring others. I support your regional campaign ameliorating as much as possible the reach of these predatory companies, and the deprivation and desperation they exploit and generate.

Yours gratefully,

Scott Macdonald

P.S. Your answer to my question about what should be enshrined in a written constitution of Scotland was the best answer of the night.

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