His opinion has no more credibility than yours or mine and would SNP politicians (or politicians of any colour) be expected to appear on camera to debate with you or me or any of the contributors here. Amazingly he was referred to a specialist team whose usual brief is preventing vulnerable youngsters from being groomed and indoctrinated by Islamic State (ISIS) jihadis. The rents down there will be so high that they will put off all but the big chains who can afford early losses and offset continuing low sales by cross subsidising from all their other restaurants.
Depending on the size of your debts, signing up for a credit repair service could increase your financial problems rather than fix them. It is not relevant to providers, who will continue to claim against the individual support item that most closely aligns to the type and time that the support was delivered. Give them something handmade or unique Make it yourself if you're crafty or skilled in something they aren't.