Yes, of course. I think consistency is really important. The professionalism of the service is important too. We’ve done a lot of work with credit unions. Credit unions have provided £20.4 million worth of loans to more than 25,000 financially excluded members between April 2014 and September 2016. The latest funding of £422,000 was made available in 2017-18, which will help credit unions continue the financial support for excluded members and deliver action plans within the financial inclusion strategy.

I will consider the Member’s point in regard to consistency in areas and see what advice comes back. But I did visit a great credit union in Jayne Bryant’s constituency in Pill only a few weeks ago where the young people were starting to save for fantastic things that they wanted to buy for the future.