---

Compensation Bill [HL]

I am very grateful to the Minister. I wonder whether there is a way of bringing these services under close scrutiny now. We have a number of regulators. I am not sure of the extent to which anything that I have quoted from this website could already be caught. I am concerned about a claimant having to undergo four sessions, whether or not he needs them, and then being forced to pay for those services, even if he does not use them, and then some alternative mechanism being provided which increases in interest over a 10-month period by 25 per cent. I wonder whether there is a way of trying to catch these services now. Certainly, the Minister’s words will, I hope, act as a warning to all those who seek to enter the arena of credit rehabilitation. I compliment and congratulate the Minister on sending out her very clear message that they will be caught. It may be that the Minister would like to add something to that.