Welfare Reform Bill

The answer to the second point is, "Absolutely". We would be very keen for credit unions to be engaged in this process. I think it is right to say that their coverage is not necessarily universal, even within a geographical area, but if we can engage them in this—we would obviously have to have discussions with them—that would be a really good outcome, because they are embedded in their communities and this is a question of providing not only finance but support and financial advice. Bad debts would, in effect, be on the Government’s books. Precisely how those repayment arrangements work out would need to be part of contractual discussions. I hope that I have dealt with every point that has been made. I will get back to my noble friend Lady Hollis with a better analysis of the stage between applications and their acceptance.