Disabled people in Scotland are getting a raw deal when they try to access financial products, according to a new report.

A survey by the disability organisation, Capability Scotland, reveals one third do not have a current account or cheque book.

And many suffer discrimination when seeking life insurance.

Capability Scotland has said that while the country's financial institutions grow richer, the disabled stay poor.

Financial institutions

Only a third of Scotland's disabled have an occupational or private pension scheme and more than 30% cannot afford home contents insurance.

One in four people who took part in the survey said their bank or building society failed to provide easy access to information.

One in five claimed to have been refused life insurance and the picture was even bleaker for those with a medical condition or illness, where almost 3O% believed they paid more for life insurance.

The charity urged financial institutions to improve accessibility, arguing that not only are they missing out on business, in some cases they could be flouting the law.