Breathing Space Scheme: Consultation Response

Debate between Lord Young of Cookham and Lord Boateng

Wednesday 19th June 2019 Lords Chamber

[Lord Boateng (Lab)]

My Lords, the scheme is welcome. My early experience as a lawyer helping to run a citizens advice bureau service in north-west London taught me that two particular categories of people are often overlooked on this issue. The first is those who cannot read or write, who can find themselves falling into enormous difficulties as a result of not being able to share that fact with the authorities. The other is those who do not read, write or even understand English. Speaking from experience, I think it is absolutely vital that the scheme provides adequate resources for training facilities that meet the needs of those two special and sometimes overlooked groups.

[Lord Young of Cookham]

The noble Lord makes a valid point. Those who are innumerate or illiterate will have difficulties in this area. The Money and Pensions Service will ensure that there are debt advice agencies available that can meet the needs that the noble Lord has just explained, also ensuring that those who may not have English as their first or second language are also able to access the debt advice agencies. Our objective is to make the breathing space available to everyone who has a debt problem, whatever their background.