I have a slight problem understanding the way in which the hon. Gentleman has moved the amendment, for the reasons that my hon. Friend the Member for Northampton, North (Ms Keeble) has put forward. The Opposition parties have so far consistently supported the position of the borrowers, but I accept that the hon. Gentleman wants to look at matters in the round.
We have looked at this matter in great detail. People taking smaller loans are especially in peril, because they tend to be the most vulnerable. Hon. Friends in other arenas have stated that those who borrow the least can end up paying the most and can be in the most vulnerable of situations. I cannot therefore agree with the hon. Gentleman's amendment; there is just a complete disagreement between us.