I share the hon. Gentleman's concern about the lack of clarity, but I come to it from a completely different angle. The people I represent who get into debt go nowhere near the court because the lender reschedules the debt and gives them even more money—that is how it works—so they are not given the opportunity to go to court to get redress in the first place. We will have a vague definition of unfairness and the court will be there in the background, but the people I represent will not be able to make use of it to get justice and fairness. We need clear guidelines on unfairness to send out a signal so that people do not go to court because everybody knows what they are dealing with.