Debt is obviously a rising concern in the current situation. We know from the 'Wales in the red: Assessing the impact of problem debt in Wales' report earlier this year that Cardiff, as our biggest city, has also got the highest concentration of debt. Nearly 200,000 people across Wales are grappling with severe debts and another 200,000 already showing signs of financial distress. And unfortunately this is the time of year when people are being encouraged to spend money they haven't got. 

But, nevertheless, the main causes of people getting into serious debt are reduced income as a result of the gig economy we now have to grapple with, as well as illness or injury and unemployment, which are very difficult to mitigate, as people normally have no idea that this is coming. Terrifyingly, I read that this means many are using credit cards to cover gaps in their daily living costs, and we also know that cuts to in-work and out-of-work benefits over the last nine years under this Tory austerity Government are a major factor.

People in severe debt in my constituency often find the problem so overwhelming they are slow to come forward to get advice. How is the Welsh Government ensuring that people can get easy access to debt advice services when they get into such difficulties?