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Finance (No. 3) Bill

All those steps are very welcome, but they do not go very far at all in addressing the fundamental issue. The Competition Commission says that what the OFT wants to do is nothing like enough. I understand the hon. Gentleman's intention: it is to give the Government a background against which they can decide not to support this new clause, but we are trying to force this issue to the fore and get something done about it. We are all for cross-party consensus—that is wonderful when it can be achieved—but what we actually want is something to be done. I hope the hon. Gentleman will therefore forgive Opposition Members if we are sometimes slightly intemperate in the way we express our views on this issue. As I said when talking about my ten-minute rule Bill, for me the key issue is the advertising of these products, which is irresponsible. It might be argued that people are being given a choice, but people are not making that choice on value-for-money grounds. They are not shopping around. They are not thinking, ““What's the best product for me?”” They are instead thinking, ““What will get me an answer to my problem as quickly as possible, and who will say yes to me? I don't want to go to the bank and be told 'No' or 'You can't have this but you can have something else and do you want to make an appointment to come back next week?'”” These people have very immediate financial difficulties, and these products are deliberately targeted at them.