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People get into debt and overindebtedness because, with the best will in the world and the best skills in the world, they cannot manage on the very low incomes that many people get by on.
If I have only one minute, it would be best to provide written evidence. That would be useful, as it would allow us to go into more detail.I thank everybody for coming along.
We want something to delay that, to allow a client to obtain advice on whether a debt payment programme would be the best way forward. That would save the client's house.
The key recommendation that we tend to make to councils that ask how they can best respond to our performance standards is that they should mainstream the activity in the same way as they are expected to mainstream any other equalities issue.