When we considered the previous Bill in Committee in the last Parliament there was much debate about loan sharks. Of course everyone abhors those who use such ostensibly foul practices. However, the difficulty is that we have such a competitive market now that many of the credit card and personal loan companies are scrabbling around in a fairly small pond to try to get the few extra remaining people, so many of the marketing techniques that they use go well beyond what most of us would accept as normal practice. That rarely comes to light because it is the loan sharks that get in the newspapers and those companies are perfectly respectable in all other regards. Does the hon. Gentleman hope that marketing practices such as sending people unsolicited pre-approved applications for credit cards and personal loans will be done away with?