I congratulate my hon. Friend on introducing this measure, which I know is very close to his heart; indeed, he has been desperate to get to the Dispatch Box to move this Second Reading. Getting in over one's head and into debt that one can no longer afford to pay drives some people into depression and, in other tragic cases, even to suicide. A main cause is the high interest rates that some companies can charge, over which there is little control. Can measures be introduced—if not in the Bill then perhaps by future ministerial order—to control interest rates, so that people do not get into such trouble?