One thing that’s likely to cause more people to get into debt is the period that they will have to wait for their first payment under universal credit. Receiving payments on a monthly basis after that first payment will also create major debt problems for many people. I can’t understand why your Government is so reluctant to take control of certain elements of administering the benefits system and the funding framework that would come about as a result of that. Wales could then move towards a system of making universal credit payments every fortnight, alleviating some of the debt problems that local authorities in Wales are going to face as a result of universal credit.