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When people saw that ABIS was more attractive, they also had to arrange to get money to match the scheme funding. They therefore had to go to banks to get that first. All those factors contributed.
Such people will receive the appropriate payments from the date of the assessment decision. The starting date depends only on the advice of the implementation steering group.
The rationalisation for these reforms appears to have been driven by Bank of England concerns that buy-to-let landlords were outbidding potential first-time buyers, and so destabilising the market.
I hope that no member of the committee ever needs to use the provisions of the bill.The next item on our agenda is consideration of the St Andrew's Day BankHoliday (Scotland) Bill. We are still waiting for the minister, so I suspend the meeting for five minutes.