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Consumer Credit Bill

I share my hon. Friend’s concerns. With respect to other right hon. and hon. Members, I am not a lawyer. I fear legislation that we in this place deliver into the hands of lawyers, who live off the face of it for ever. It does not reach the areas where it is needed. I do not want legislation introduced that leads to a row about the role of the court. I want to know how there will be free access so that poor people can arrive at a resolution when they feel that they are being unfairly treated. That is my main aim. My hon. Friend the Minister might care in Committee to spell out the alternative dispute resolution scheme and explain how that can help. We need clarity. I need to be able to tell my constituents, ““This is how the system works. This is who you go to to get help and to sort out the so-and-so who comes round and overcharges you.””