Diolch yn fawr and I welcome that answer. I recently met with the enforcement conduct board and we discussed the unfair charges that are applied to many people struggling to pay off a debt. I was given an example of a woman who lives in social housing in Newport and receives universal credit and personal independence payments. She was subject to a High Court enforcement case on behalf of a utilities creditor. She asked the debt collection company if she could arrange an instalment plan, but the company insisted on a visit to see if she had any assets. This meant that, in addition to the £75 charge that was added to her debt because of the telephone stage of enforcement, £190 was added to her debt for the visit. Had she not been at home on the first visit, a second visit would have led to the stage 2 High Court enforcement fee of £195 being added on. The system adopted by some debt collection companies appears to be nothing more than a racket that prays upon the most vulnerable in our communities. It has to stop.

Can the Government issue guidance to the public sector and utility companies, so that they only work with debt collection companies who work in tandem with the enforcement conduct board? I would be grateful if you could also explore any ways of curtailing the rogue operators in this sector in order to protect our citizens.