Finance Bill

I thank the hon. Lady for reading into the record the entire list of categories of people who are suffering, and for her subsequent comments. I believe that one of the worst factors in this is the fact that the unclaimed working tax credit for those who are entitled to it amounted to about £5 billion last year. She will correct me if I am wrong. Does she agree that that merely exacerbates the problem and makes it far worse than it ought to be, and that it is a failure that is purely in the hands of the Government?