I am grateful to my hon. Friend for that intervention; he has a good track record in assisting constituents who get into such difficulties. The question of interest rate capping accompanied our pre-election discussions of the Bill and of the consumer credit White Paper. The Government do not consider capping to be the way forward, because there are many other hidden charges that can equally cause such misery. But I did undertake to keep the capping issue under review, and to examine it in the light of future developments and of our efforts through this Bill. However, at the moment there is no need for such caps.