Consumer Credit Bill

The hon. Gentleman’s proposal has great merit. Perhaps the Minister will consider it and in due course table an amendment to that effect. He will have to revisit the subject when the OFT wants more powers. My next point is about citizens advice bureaux, to which people turn when they have problems. In their surgeries many hon. Members will have dealt with cases of people desperate to get out of debt as a result of irresponsible lending.