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Some time ago, when I attempted to intervene, the Financial Secretary was making the point that under the Government's system it is crucial to encourage people where possible to take up the means-tested benefits, such as tax credits and pension credits. However, it is sometimes difficult to persuade someone to apply after they have been through the nightmare of the seesaw between reclaims, overpayments and underpayments. As others have said, if the Government are going to rely on that encouragement as the safety net and think that it will solve the problem, that is quite a dangerous presumption.
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