I am referring to a study commissioned by the DTI, to which the right hon. Gentleman may object. [Interruption.] From a sedentary position, the Minister says, "He does." It is interesting that Which?, Citizens Advice and the National Consumer Council, which have considerable experience—far more than me—in the field, do not support a cap on interest rates. We should take careful note of what those organisations say.
Other factors such as high charges, which I have mentioned, and the extension of credit beyond what is sustainable, can be as pernicious as high interest rates.