Covid-19 crisis.Leonard argued arrears on household bills and council tax among low-income Scots should be suspended until the Holyrood election in May.He wants the UK government to regulate pay day loan companies and waive interest payments.Leonard said: "Christmas and the new year are always periods that lead to a surge in debt for poorer and hard-pressed families."Nine months of Covid hardship will inevitably make this burden so much worse for households."A huge personal debt crisis is being caused by Covid as people being furloughed or losing their jobs and others on welfare benefits are unable to pay their rents, mortgages and other essential bills."This is made worse by the high level of interest rates being charged and by.