Welfare Reform Bill

I am not sure I necessarily accept the proposition that there is a higher risk of default for loans made by this route. One of the key points in going down this route is to seek to ensure that, when individuals avail themselves of these facilities, they are provided with support to manage their financial affairs generally. When they need specific support, they are provided not just with a loan and no advice around that. That is one of the key issues that we want to address in using alternative providers. We hope that it will help increase individuals’ financial knowledge and their ability to handle their financial affairs generally.