Credit

My right hon. Friend is right that these measures might stop someone facing legal proceedings, but they will not necessarily stop someone becoming a ““funt””. The fact that they have defaulted on some payments can be used against them by the financial services sector when they subsequently come to apply for credit again. As welcome as it is that people are given the advice and help they need to avoid court, I still ask my right hon. Friend to talk to colleagues to ensure that they are thinking about the possibility of putting in place a mechanism so that someone in that position can repair their credit rating after they have sorted out the problem.