Armed Forces Bill

I have no doubt that the hon. Gentleman makes that point with complete sincerity, but the Secretary of State can look at further areas in any case; he is not limited to dealing with only certain areas. One matter is of concern to me, however, especially from having spoken to representatives of the Soldiers, Sailors, Airmen and Families Association. Not so long ago, I spoke with a gentleman who told me that about 70% of the work he does is debt management, and, unfortunately, drug and alcohol abuse are also big issues. I felt that by specifying these areas, they could at least be identified. This is not intended to be an exhaustive list, so the Secretary of State would not be prevented from looking at other issues. I understand the point the hon. Gentleman makes and appreciate the way in which he expressed it, but I do not think listing would necessarily cause any harm. SSAFA suggests that debt management is one of the greatest problems facing former armed services personnel, since being in the military provides stable employment for them. Armed forces personnel are thus able to access relatively high levels of credit, although little or no training is given to them on how to control their finances. On leaving the forces without proper financial management training, problems with debt can easily arise, and lead to homelessness and crime. When leaving the forces, an individual is officially made homeless. Former servicemen and women—although it should be pointed out that this problem is primarily associated with men—often end up relying on relatives or friends for temporary accommodation, putting strains on relationships in the process. If they are unable to gain employment, the patience of their relatives may wear thin, while, perversely, an inability to provide a permanent address decreases the likelihood of their finding a job. Ex-servicemen are thus catapulted into a vicious circle of social exclusion, which can be tackled only by strengthening the advice available to them prior to discharge. I shall briefly return to this point. Equally importantly, the armed services report must give an account of how service life can increase the likelihood of people turning to drug and alcohol abuse. Post-traumatic stress disorder receives much attention in the press, but it is alcohol and other substance addictions that present the most significant threat to veterans' mental health. Regrettably, anecdotal evidence suggests that at certain stages of Army life, alcohol is treated as a catalyst to unwinding—or, to use the fashionable phrase, self-medication.