21. One of the benefits, or non-benefits, that is available is the crisis loan. My constituent, Mr Hayward, has been told by the Minister’s Department that he owes £1,500 in crisis loans taken out 13 years ago. There is just one small problem with that: he did not take out those loans. The Department cannot provide any paperwork to prove that he did so. How can anyone have any faith in anything that happens at the DWP?