Welfare Reform Bill

Yes, that is the process. It becomes a requirement, and then if the claimant says, ““Look, I can’t afford that rate, I’m in hardship””, then it is adjusted. That is a regular process. In practice, only half the people now make repayments at the maximum rate. That is a very well established process which works pretty well, and I do not think we need to put in extra processes. My noble friend Lord Kirkwood—Kirkwood of Kirkhope, some people were unaware—asked about an independent appeal right. There is just a general appeal right here for overpayments, and I think that covers this as much as anything else.