As the right hon. Gentleman will know, we have made various changes to make sure that we can pay direct to the landlords—that we can give alternative payments. It is only right that we do that. However, when we talk about the difficulties that claimants have got into, it is good to look at the legacy benefits and Labour’s track record. Between 1997 and 2010, benefits claimants’ debt to local authorities increased by £1.8 billion through overpayment and errors in the legacy system. On tax credits, introduced by the Opposition, claimants got into £5.86 billion-worth of debt through error and overpayments. That is a shameful record from the Opposition.