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Some borrowers, for whatever reason, do not face up to their difficulties or seek help. If they do not get help, by the time the case gets to court it is too late.
I thought that that was extremely refreshing, especially as one of them will either be demoted or get the bump. Colin has covered most of the other points.
There are a lot of objections to specified provisions in the bill, rather than to the whole bill, which I rather think we will have to consider if and when we get to the consideration stage. I find it difficult to see that those who are objecting to the whole bill have a legal standing.
We all know that we have a great deal to say on delegated powers if the drafting team does not get them right. Political points could be made about the bill, but, as far as subordinate legislation is concerned, the bill seems to be clean and pure.
In our earlier deliberations, we did not get as far as discussing paragraph 7 of the Executive letter of 3 November and the extensive comments and advice that we received from Margaret Macdonald.