My caseworker’s husband, Alan, is a self-employed mortgage adviser, and applied for a mortgage holiday. Nationwide, their lender, confirmed that it would not affect their credit rating, yet when they went to move home and wanted to transfer the mortgage, the company would not allow it; it actually penalised them and confirmed that their credit rating had been affected. Alan had even made payments during the holiday period to eliminate the risk of this. Can we have a statement on what the Government are doing to ensure they keep their promise that credit ratings would not be affected by mortgage repayment holidays applied for during the pandemic?