"I thank the Minister for his letter about breathing space and the other issues, but it gave me another question for him. He mentioned a six-week breathing space period. I have said this many times: please, please talk to debt advisers. Six weeks is really not enough time...." Yvonne Fovargue - View Speech
"It may have been shown to be effective, but it has not been shown to be the right amount of time. The average debt in Scotland takes four months to handle, so six weeks is not the right amount of time. People have regularly asked for extensions to the six …..." Yvonne Fovargue - View Speech
"The number of bankruptcies is not the issue; they are actually quite rare. A very small proportion of the people who go to debt organisations are made bankrupt. It takes most people with the average amount of consumer debt four to six months to deal with it. Those are not …..." Yvonne Fovargue - View Speech
"As one of those people who are feeling the frustration with the 2019 date, why do we have to wait for the establishment of this body when all the debt charities and most of the creditors have been pressing for a breathing space under the old system? Why do we …..." Yvonne Fovargue - View Speech
"I would also mention the independent review of the debt advice provision. It concluded very speedily. It was a very short process, and concluded over the Christmas period, in January. Will the recommendations in that have to wait to 2019 to be implemented? Some of them seem extremely sensible...." Yvonne Fovargue - View Speech
"Has the Minister considered whether the breathing space will apply to public as well as private sector debts, because many people find that they are pursued more vigorously by those creditors?..." Yvonne Fovargue - View Speech
"It is a pleasure to follow the hon. Member for Chippenham (Michelle Donelan). Unsurprisingly, I will talk about debt later.
I welcome the thrust of the Bill. Consolidating the three bodies into one makes sense, but the new one must be well run. It may be a little churlish, but …..." Yvonne Fovargue - View Speech
"I am very pleased to hear that, but I think financial inclusion is so important on so many levels that it needs a Cabinet position, and having one Minister responsible for it would be really helpful.
"The Government’s former Pensions Minister, Baroness Altmann, has said that she regrets the Government’s failure to properly communicate state pension age equalisation, an approach she described as
“a massive failure in public policy.”
Does the Minister appreciate how much this failure has affected the ability of the 1950s-born women to …..." Yvonne Fovargue - View Speech