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