I disagree with those bodies on this particular point, but I take note of their opinions. I do not know whether hon. Members can adduce different evidence, but the worst cases in which people commit suicide or experience a crisis such as a mental breakdown involve people taking on 16 different credit cards and personal loans while the data sharing system fails to catch the fact that debt is accumulating. The interest rates involved in such cases are often far below those offered by doorstep lenders, yet the cumulative effect of all that debt, together with charges and the extension of credit limits, produces the greatest tragedies. If the right hon. Member for Leeds, West can point to competing evidence, I would be interested to hear about it.