The charity addressed a parliamentary committee

The charity's parliamentary affairs manager, Kate Higgins told the committee: "Access to post offices is almost a life necessity for disabled people and begs the question about how they are able to access money without having to jump through hoops."

Michelle Hegarty, Capability Scotland's communications director, said: "Given that this is government legislation, disabled people have a right to expect that the government and the agencies funded by it are making every effort to implement change which ensures compliance.

Complete rethink

"We would like to see the Scottish Parliament and Executive take a lead role and first of all put its own house in order."

The Capability Scotland survey was carried out in Glasgow, Edinburgh, Dundee, Dumfries, Galashiels and Arbroath.

It covered corner shops, music stores, fashion retailers, banks, post offices and cafes.

David Tares, 38, who was a mystery shopper in Dundee, said Scotland's transport system needed a complete rethink.

"Not only should there be accessible buses but there needs to be thought put into where the actual bus stops are sited," he said.

"I don't think things like special shopping nights for disabled people does anything to increase integration for us in society."

The charity is planning to carry out a similar survey next year looking specifically at accessing council offices and post offices.