Autumn Budget as it Relates to Wales

Hywel Williams Excerpts

Wednesday 7th February 2018 General Committees

[Glyn Davies (Montgomeryshire) (Con)]

Diolch, Mr Hanson, am roi’r cyfle i mi gyfrannu i’r ddadl hanesyddol hon drwy gyfrwng y Gymraeg. Dyma’r tro cyntaf i ni ddefnyddio’r Gymraeg yma yn San Steffan—nid yw hyn wedi digwydd o’r blaen—a dyna pam mae’n ddadl hanesyddol.

Yn siarad yn bersonnol, mae’n arwyddocaol fy mod i’n gallu cyfrannu yn Gymraeg. Pan ges i fy ethol i Gynulliad Cenedlaethol Cymru ym Mae Caerdydd yn 1999, doeddwn i ddim yn gallu siarad gair o Gymraeg. Ers hynny, rydw i wedi gwnuud fy ngorau i ddysgu’r iaith—iaith y nefoedd. Roedd bob un o’m hynafiaid yn siarad Cymraeg fel iaith gyntaf. Roedd fy rhieni yn siarad Cymraeg fel iaith gyntaf, ond wedi iddynt briodi symudasant i ran o Sir Drefaldwyn lle doedd neb yn siarad Cymraeg. Yn fwy arwyddocaol, roedd pobl yn gweld yr iaith fel iaith o fethiant—doedd neb ar y pryd eisiau siarad Cymraeg. Mae pethau wedi newid heddiw, ond mae lot o pobl wedi anghofio beth oedd y sefyllfa amser maith yn ôl.

Ni chlywais fy nhad na’m mam yn siarad Cymraeg o gwbl, felly ni allai fy mhump chwaer na fi siarad gair o Gymraeg. Nid oeddwn i’n medru gwneud tan i mi ddod yn Aelod o’r Cynulliad. Ar ôl cael fy ethol i’r Cynulliad, lle mae llawer o Gymraeg yn cael ei siarad, gan gynnwys yn y Siambr, penderfynais fy mod i am ddysgu’r iaith. Gallwch weld felly, Mr Hanson, pam mae’r ddadl hanesyddol hon mor bwysig i fi yn bersonnol, yn ogystal â bod yn hanesoddol o ran San Steffan.

Mae’r ddadl Uwch Bwyllgor Cymreig yma yn rhoi’r cyfle i ni ystyried y Gyllideb a beth mae’n olygu i Gymru. Yn fy mharn i—rwy’n gwybod na fydd pawb yn cytuno â hyn—mae wedi bod yn newyddion da iawn i Gymru. Cynuddodd y Gyllideb yr arian ar gael i Lywodraeth Cymru wario ar wasanaethau cyhoeddus yng Nghymru. Cynuddodd y grym gwario gan £1.2 biliwn bob blwyddyn, sy’n arwyddocaol iawn. Roedd grym gwario wedi codi £1.2 biliwn bob blwyddyn, ac mae hynny’n arwyddocaol. Pan oeddwn yn Aelod yn y Cynulliad, roedd llawer o drafod am y fformiwla Barnett a’r Barnett floor hefyd. Galw am fwy o arian i Gymru, mwy o rym gwario.

Ar y pryd, roedd pobl yn gweld yr Athro Gerry Holtham fel arbenigwr a bob tro roeddem yn siarad am y Gyllideb yn y Cynulliad, roedd people yn dyfynnu’r Athro Holtham. Nawr, ar ôl cytuno fframwaith cyllid gyda Llywodraeth Cymru, mae’r Athro Holtham wedi disgrifio’r sefyllfa fel a very fair settlement. Mae pethau wedi symud ymlaen lot. Mae Llywodraeth Cymru hefyd wedi croesawu’r fframwaith cyllid. Maen nhw’n dweud nawr am long-term fair funding i Gymru. Mae hwn wedi digwydd o dan y Llywodraeth Geidwadol. Rwyf yn falch iawn i glywed pethau fel hyn.

Pwynt arall sydd yn bwysig i mi: yn y Gyllideb roedd y Canghellor yn sôn am gryfhau’r economi ymhob rhan o Gymru. Siaradodd am y Cardiff city deal, y Swansea city deal, am y north Wales growth deal, ac hefyd, am y tro cyntaf, siaradodd am mid Wales growth deal. Mae hyn yn bwysig dros ben; yn hynod o bwysig i mi. Mae’n rhy gynnar i wybod yn union beth mae mid Wales growth deal yn golygu. Mae’n bwysig iawn bod pobl leol yn y canolbarth yn rhoi syniadau. Dyma pam rwyf yn siarad gyda phobl yn sir Faldwyn a thu allan i sir Faldwyn hefyd, yn y canolbarth, a phob corff yn y lle, i gynnig syniadau.

Rwyf wedi bod yn siarad gyda’r Aelod dros Geredigion. Gobeithio byddwn yn gallu cymryd mantais o ymchwil amaethyddol ac amgylcheddol ym Mhrifysgol Aberystwyth a hefyd, gweithio gyda smallholdings ym Mhowys.

(Translation). Thank you, Mr Hanson, for giving me the opportunity to contribute to this historic debate through the medium of Welsh. It is the first time we have been able to use the Welsh language in Westminster. It has not happened before, which is why the debate is historic.

Personally speaking, it is significant for me, too, to be able to make my contribution in Welsh. When I was elected to the National Assembly for Wales in Cardiff bay in 1999, I could not speak a word of Welsh. However, since then, I have done my very best to learn the language—the language of heaven. All of my ancestors were first-language Welsh speakers. My parents also spoke Welsh as a first language, but after getting married they moved to a part of Montgomeryshire where nobody spoke Welsh. More significantly, the Welsh language was seen as a failed language; nobody wanted to speak the Welsh language. Things have changed now, but many people have forgotten the situation of many years ago.

I did not hear my father or mother speak Welsh at all, so my five sisters and I could not speak a word of Welsh. I could not do so until I became an Assembly Member. Having been elected to the Assembly, where a great deal of Welsh is spoken, including in the Chamber, I decided that I needed to learn the Welsh language. So, as you can see, Mr Hanson, this historic debate is particularly important to me on a personal level, as well as being historic in terms of events in Westminster.

This Welsh Grand Committee debate gives us an opportunity to consider the Budget and its implications for Wales. In my view—I know that not everyone will agree—it has been very good news for Wales. The Budget increased the funding available to the Welsh Government to spend on public services in Wales. The spending power increased by £12 billion, which is significant. When I was an Assembly Member there was a great deal of debate about the Barnett formula and the Barnett floor, too. There were demands for more funding and more spending powers for Wales.

At the time, Professor Gerry Holtham was seen as an expert on all of these issues, and every time we discussed the Budget in the National Assembly people would quote Professor Holtham. Now, having agreed a financial framework with the Welsh Government, Professor Holtham has described the situation as a very fair settlement, so things have moved on a great deal, and the Welsh Government have also welcomed the financial framework. They see it as long-term fair funding for Wales, and that has happened under a Conservative Government. I am particularly pleased to hear such comments.

The other point that is important to me is that in the Budget the Chancellor spoke about strengthening the economy in all parts of Wales. He spoke about the Cardiff city deal and the city deal in Swansea. He also talked about the north Wales growth deal and, for the first time, he mentioned a mid-Wales growth deal, which is hugely important for me. It is too early to know exactly what a mid-Wales growth deal will mean, but it is important that local people in mid-Wales bring their ideas forward. When I speak to people in my constituency and outside my constituency in mid-Wales, I will encourage everyone and all the organisations involved to bring forward their ideas, and hopefully we will be able to take advantage.

I have spoken to the hon. Member for Ceredigion. I hope we will be able to take full advantage of the environmental and agricultural research undertaken at Aberystwyth University and also work with the smallholdings in Powys.

[Hywel Williams (Arfon) (PC)]

Mae yna lawer iawn o bobl yn y gogledd eisiau cymryd rhan yn y ddêl ar gyfer twf. Roeddwn mewn cyfarfod diweddar gyda’r brifysgol ym Mangor. Mae ganddynt syniadau da iawn ond fawr o syniad sut i ymgeisio. Mae’r manylion ar sut ddylai’r cynllun yma weithio yn brin iawn. Onid yw hynny’n neges i’r Llywodraeth y dylsant ddarparu’r wybodaeth yma rwan am fod syniadau da allan yno yn barod i fynd?

(Translation) A great many people in north Wales also want to take part in the growth deal. However, having had a recent meeting with Bangor University, where there are very good ideas, I know that it does not really know how to apply the details, which are scarce, of how the deal will work. That is a message for the Government that they should provide that information now, because there are good ideas out there ready to go.

[Glyn Davies]

Fel ddywedais i, yn y canolbarth, mae’n amser cynnar iawn. Mae cyfrifoldeb arnom ni i gynnig syniadau. Rwyf yn credu bydd Ysgrifennydd Cymru yn barod i dderbyn syniadau. Mae’n gyfle i gryfhau’r economi yng ngogledd Cymru ac yn y canolbarth. Mae’n bwysig hefyd i gryfhau’r cysylltiadau trafnidiaeth rhwng y canolbarth a chanolbarth Lloegr. Mae’n bwysig cysylltu gyda’r farchnad yng nghanolbarth Lloegr. Mae’r Newtown bypass yn agor eleni; mae hyn yn bwysig. Mae pont newydd yn symud ymlaen ym Machynlleth, dros y Dyfi.

Y cam nesaf yw cael ffordd newydd rhwng Trallwng a ffin Lloegr yn sir Amwythig. Mae’n bwysig cael cysylltiad rhwng y canolbarth a Lloegr. Mae’r farchnad yn bwysig i ni ac rwyf eisiau gweld y growth deal yn y canolbarth yn canolbwyntio ar hynny. Hefyd, wythnos nesaf, mae £7 miliwn yn mynd i fewn i’r rheilffordd rhwng y Drenewydd ac Aberystwyth. Mae lot yn digwydd. Mae cysylltiadau trafnidiaeth yn bwysig iawn os ydym am weld y canolbarth yn symud ymlaen.

Mae prosiect Pumlumon yn bwysig hefyd. Dydy pobl ddim yn gwybod lot am y prosiect, ond y cynllun yw i dalu ffermwyr â dros 100,000 erw—rhaid i mi edrych i weld os ydw i’n dweud yr un peth yn Gymraeg—i stopio llifogydd yn Lloegr. Mae hyn yn bwysig iawn a bydd yn dda i ffermwyr yn y canolbarth. Bydd yn help mawr i arbed gwario miliynau i stopio llifogydd yn Lloegr. Mae growth deal yn y canolbarth yn beth da ar gyfer hyn. Mae camlas Mynwy yn bwysig, yn mynd dros y ffin, a gobeithio gall y buddsoddiad ynddo fod yn rhan o’r mid-Wales growth deal hefyd.

Rwyf wedi bod yn Aelod yn y Cynulliad ac yn Aelod yma yn San Steffan, ac rwy’n deall bod angen i’r ddwy Lywodraeth weithio gyda’i gilydd i gael yr elw mwyaf. Mae hyn yn digwydd a dyma pam rwy’n optimistig ac yn credu bydd hyn yn parhau trwy berthynas bositif. Dwi ddim yn darllen beth sydd yn y cyfryngau. Mae’r ddwy Lywodraeth yn gweithio gyda’i gilydd ac mae hyn yn bwysig.

I orffen, rwyf eisiau mynd yn ôl at yr iaith Gymraeg a sut mae gwleidyddiaeth a materion cyhoeddus yn cael eu darlledu yng Nghymru. Dylai beth sy’n digwydd yng Nghymru—yn y Cynulliad Cenedlaethol—gael mwy o sylw yn y cyfryngau yng Nghymru. Rydym ni i gyd yma yn dibynnu ar ddarlledu yng Nghymru i gysylltu â phobl Cymru i ddweud wrthyn nhw beth rydym ni’n gwneud yma. Rwy’n dibynnu ar y BBC, S4C a ITV i wneud hyn.

Roedd yn grêt gweld Radio Cymru 2 yn dechrau mis diwethaf. Mae’n bwysig iawn i Gymru a dwi’n llongyfarch Betsan Powys ar ei gwaith. Heddiw, rwyf eisiau dweud fy mod yn siomedig ar ôl clywed bod “O’r Senedd” yn gorffen—mae pawb yn adnabod y rhaglen—a dydw i ddim yn gwybod beth sydd yn dod yn ei lle. Dydw i ddim yn meddwl mai rhaglen sy’n delio â gwleidyddiaeth sy’n dod yn ei lle. Rwyf hefyd yn cofio “CF99”. Os rydym am gysylltu â phobl Cymru, mae rhaglenni fel “O’r Senedd” yn bwysig iawn i ni. Dydw i ddim eisiau gweld yn lle “O’r Senedd” rhyw fath o adloniant; rwyf eisiau gweld y cyfryngau yng Nghymru yn delio â gwleidyddiaeth yma yn San Steffan mewn ffordd ddifrifol. Yr unig ffordd rydym ni yn gallu cysylltu gyda’r bobl yng Nghymru yw trwy’r cyfryngau. Gobeithio, yn lle “O’r Senedd”, bydd rhyw fath o raglen sy’n delio â’r pynciau pwysig i Gymru mewn ffordd ddifrifol.

(Translation) As I said, in mid-Wales it is at a very early stage. There is a responsibility on all of us to bring forward ideas. I think the Secretary of State for Wales is willing to take on board these ideas, and that is where we are at the moment. I see an opportunity to strengthen the economy of north and mid-Wales. I also believe it is important to strengthen the transport links between mid-Wales and the midlands. It is hugely important that we can link up with the markets in the midlands. The Newtown bypass will open this year. That is important, and the new bridge over the Dyfi in Machynlleth is making progress.

The next step is to have a new road between Welshpool and the border with England in Shrewsbury. It is important to have those connections with England. The market is hugely important to us, and I want to see the growth deal in mid Wales focusing on that issue. Also, next week, £7 million will be invested in the railway between Newtown and Aberystwyth.

Also, next week, £7 million will be invested in the railway between Newtown and Aberystwyth. There is a great deal happening. Transport links are hugely important if mid-Wales is to make progress.

The Pumlumon project is also important. I do not know too much about it yet, but as I understand it the plan is to pay farmers—those with 100,000 acres, I think, but I will have to check that figure—to stop run-off from their land. That is hugely important. It will be positive for farmers in mid-Wales, and it will be of huge assistance in saving millions of pounds on flood prevention work in England. The mid-Wales growth deal is very positive. The Montgomery canal is also important, and I hope that investment in that is part of the mid-Wales growth deal, too.

Having been a Member of the Assembly and a Member here in Westminster, I have come to understand that the two Governments must work together if we are to achieve maximum benefit. I think that is happening, so I am optimistic. I think a positive relationship can develop between the Governments. I do not read about what is happening in the media. The Governments are working together, and that is hugely important.

To conclude, I want to move back to the issue of the Welsh language and how politics and public affairs are covered in Wales. What happens in Wales—and in the National Assembly—should get more coverage in the media in Wales. We are all reliant on broadcasters in Wales to connect with the people of Wales and inform them about what is happening here. That is hugely important. I think of the role of the BBC, S4C and ITV in delivering those messages.

It was wonderful to see Radio Cymru 2, a second Welsh-language radio channel, established last month. That is hugely important for Wales, and I congratulate Betsan Powys for the work that she has done. However, I was a little disappointed to hear that the S4C programme “O’r Senedd” is to cease broadcasting. I am not sure what is going to replace it, but I do not think that it will be a programme dealing with politics. I remember when “CF99” was on S4C. If we are to connect with the people of Wales, programmes such as “O’r Senedd” are hugely important. I raise that point because I do not want to see some sort of entertainment provided in place of “O’r Senedd”. I want to see the media in Wales cover politics here in Westminster and at the Assembly seriously. The only way that we can connect to the people of Wales is through the media. I hope that “O’r Senedd” will be replaced by some sort of programme that covers the important issues of the day for Wales.

[Hywel Williams]

Rwy’n falch eithriadol o’r cyfle yma i siarad yn y ddadl hanesyddol hon. Fel pawb arall, rwy’n falch iawn o’r diwedd i gael siarad Cymraeg yn y Tŷ hwn yn Llundain. Cefais y cyfle i siarad Cymraeg o’r blaen, pan aeth yr Uwch Bwyllgor i Wrecsam dro yn ôl, ond mae siarad yr iaith yn San Steffan yn gam arwyddocaol pellach, wrth i’r awdurdodau yma yn Llundain ddygymod o’r diwedd â’r ffaith mai nid gwladwriaeth uniaith ydy’r Deyrnas Gyfunol.

Yn wir, yn gynyddol daw unieithrwydd cyhoeddus yn eithriad yng Nghymru, dwi’n credu. Heblaw am y dadleuon amlwg i mi fel unigolyn fod medru siarad Cymraeg, a hawl fy etholwyr i gael eu cynrychioli drwy gyfrwng y Gymraeg, mae elfen gref iawn o synnwyr cyffredin o blaid symud at sefyllfa lle mae cyfrwng ein trafodaethau ni yma yn adlewyrchu’r ffaith bod natur ieithyddol ein gwlad ni yn wahanol. Dylem adlewyrchu sut mae pethau yng Nghymru, ac mae medru siarad Cymraeg yn rhan o hynny.

Fy mwriad prynhawn yma ydy siarad yn fyr am gynigion y Canghellor ynghylch credyd cynhwyshol, ac yn wir—bydd Aelodau Llywodraeth yn falch iawn i glywed hyn—i groesawu’r newidadau hynny, cyn belled ag y maent yn mynd. Tydi nhw ddim yn mynd hanner digon pell i mi a, fel llawer o bobl sy’n cymryd diddordeb yn y maes yma, buaswn yn licio gweld y newidiadau yn mynd yn bellach. Tydi’r newidiadau ddim yn mynd hanner digon pell i bobl a fydd yn hawlio’r fudd-dal yn y dyfodol, wrth i gredyd cynhwysol ddod i fewn. A tydi nhw ddim yn mynd hanner pell i mi fel rhywun sydd yn cynrychioli pobl ac yn pwyso ar yr Adran Gwaith a Phensiynau am welliannau a newidiau.

Mae’r pryderon am y drefn newydd eisioes yn ddigon clir. Ar 9 Hydref y llynedd, yn nghwestiynnau’r Adran Gwaith a Phensiynau, gofynnais i’r Ysgrifennydd Gwladol, a oedd newydd gael ei benodi ar y pryd, pa gynnydd a wnaed wrth ddod â chredyd cynhwysol i fewn a lle oeddem ni arni hi. Bydd rhai Aelodau yn gwybod, wrth gwrs, bod peilot wedi cael ei redeg ers tro yn ardal Shotton a bod hynny’n cynrychioli tua 5% o’r boblogaeth sydd ar hyn o bryd yn medru hawlio credyd cynhwysol. Ateb yr Ysgrifennydd Gwladol oedd bod y fudd-dal newydd yn dod i fwcwl yn unol â’r cynllun, ac rŷm ni’n gweld y cynllun hwnnw yn dod i fewn rwan.

Dywedais wedyn fod cryn gefnogaeth i egwyddorion credyd cynhwysol. Rwy’n credu bod yna gytundeb ar draws y Tŷ bod yr egwyddorion—sicrhau incwm a sicrhau bod pobl yn medru mynd i’r gwaith yn haws o lawer—yn dda iawn, ond yn ôl neb llai na Syr John Major, nodweddion dwyn credyd cynhwysol i fewn hyd yn hyn yw

“gweithredu bler, anhegwch cymdeithasol a diffug trugaredd”.

Efallai bod ei eiriau gwreiddiol yn y Saesneg yn taro’n galetach:

“operationally messy, socially unfair and unforgiving”.

Gofynnais i’r Ysgrifennydd Gwladol felly, fel cwestiwn atodol, i ohurio dwyn y cynllyn i fewn yn ei grynswth. Os na fedrai wneud hynny, roedd yna gwpwl o bethau roeddwn i eisiau iddo eu gwneud, sef dileu’r cyfnod aros gan wythnos a thalu’r budd-dal pob pythefnos yn hytrach na phob mis. Bydd Aelodau yn gyfarwydd â’r problemau a all godi hefo trio cyllido am fis ar swm gymharol fach. Wrth gwrs, mi oedd yna gyfnod aros lle roedd pobl yn disgwyl am wythnos heb gael budd-dal.

Bydd Aelodau yn gyfarwydd â dadl y Bonheddwr gwir anrhydeddus dros Chingford a Woodford Green (Mr Duncan Smith), sef awdur y drefn yma. Dywedodd y dylai credyd cynhwysol adlewyrchu’r byd gwaith: mae rhan fwyaf o bobl yn cael eu talu’n fisol, felly dylai’r fudd-dal fod yn fisol hefyd er mwyn eu paratoi i fynd i swydd. Wrth gwrs, mae hyn yn anwybyddu’r ffaith fod llawer yn debygol o fod ar gredyd cynhwysol am gyfnodau amhenodol—cyfnodau hir iawn—heb obaith am waith. Yn fwyaf sylfaenol, mae hyn yn anwybyddu anawsterau garw didoli symiau bach o incwm dros fis cyfan yn hytrach na dros wythnos neu pythefnos.

Dro yn ôl, rhedais surgery i gynghori pobl oedd yn gorfod ymdopi efo’r treth llofftydd—y taliad am lofft ychwanegol. Rhoddodd un ddynes restr o’i gwariant i mi. Roedd £1 ar waelod y rhestr. Gofynnais, “Be’ ’di’r bunt yna?” Atebodd, “Wel, ’dwi’n gorfod cerdded lawr i’r dre i siopa, ac unwaith pob pythefnos, ’dwi ddim yn cerdded yn ôl, ’dwi’n mynd ar y bys.” Dyna beth oedd y bunt. Mae pobl ar arian wythnosnol yn medru ymdopi yn rhyfeddol o fanwl hefo’r hyn o arian sydd ganddynt, yn bennaf wrth gwrs am nad oes gennyn nhw ddewis.

Ni chytunodd yr Ysgrifennydd Gwladol i’m cais i ohirio cyflwyno’r budd-dal, ond dywedodd rhywbeth arwyddocaol: y byddid yn gwneud newidiadau pan ac os fydd angen, fesul tipyn. Roedd hynny’n rhywbeth reit bositif iddo ddweud: nad oedd popeth yn gwbl sefydlog, ac y gellir gweud newidiadau. A dyma ni—mae rhai newidiadau yn y Gyllideb, er rhai bychain ac annigonol ydyn nhw. Er hynny, mae nhw i’w croesawu.

Felly beth yw’r newidiadau? Daw y cyfnod disgwyl am fudd-dal i lawr o chwech wythnos i bump—o 42 diwrnod i 35. Fel bydd rhai Aelodau yn gwybod, telir y budd-dal yn fisol, ond rhaid disgwyl pythefnos ychwanegol ar y dechrau. Mae hyn wedi achosi problemau sylweddol yn barod. Natur y chwech wythnos oedd: pedair wythnos i wirio’r incwm—gan fod pobl am gael eu talu yn fisol, rhaid cael manylion incwm am fis—wedyn wythnos i brosesu ac wythnos i ddisgwyl. Mae’r wythnos i ddisgwyl wedi mynd. Roedd y rhan fwyaf ohonom sydd yn cymryd diddordeb yn y maes yma yn gwybod nad oedd yr wythnos ddisgwyl yn golygu fawr o ddim byd yn ymarferol.

(Translation) I am very pleased to have the opportunity to speak in this historic debate. Like everyone else, I am also very pleased finally to be able to speak Welsh here in Westminster. I have had the opportunity to speak Welsh before, when the Grand Committee went to Wrexham a while ago, but being able to speak Welsh in Westminster is a further significant step forward, as the authorities here in London finally come to terms with the fact that the United Kingdom is not a monolingual state.

In fact, monolingualism in Wales will become the exception. Apart from the obvious arguments that stop me as a Welsh speaker being able to speak Welsh, it also restricts the ability of my constituents to be represented through the medium of Welsh. There is a strong common sense element in favour of moving to a position where the medium of our discussions here reflects the fact that the linguistic nature of our country is diverse. We should be reflecting the situation in Wales, and speaking Welsh should be a part of that.

My intention this afternoon is to speak briefly about the Chancellor’s proposals on universal credit and—Government Members will be pleased to hear this—to welcome the proposed changes in so far as they go, although I would say that they do not go far enough. I think the same would be true of many people who take an interest in this area, who would like to see the changes go further. It is certainly not far enough for the people who will be claiming the benefit in the future, as universal credit comes in. It does not go far enough for me, as someone who represents people and presses on the Department for Work and Pensions for improvements in this regard.

The concerns about the new system are clear enough. On 9 October last year, in DWP questions, I asked the then Secretary of State, who was new at the time, having just been appointed, what progress he had made in bringing in universal credit and where we had reached. As some hon. Members will know, a pilot had been run in the area of Shotton. That represented about 5% of the population who can now claim universal credit. The response of the Secretary of State was that the new benefit was about to come in as expected, and we see the scheme coming into force now.

I then said that there was quite a bit of support for the principle behind universal credit. I think that there is agreement across the House that the principle of universal credit is a very good one, ensuring that people have an income and can go into work much more easily. The agreement on universal credit is in place, but none other than Sir John Major said, with regard to this matter, that the way that universal credit had been brought in up until now was chaotic and showed a lack of mercy. It perhaps comes across better in his own words:

“operationally messy, socially unfair and unforgiving”.

I therefore asked, as my supplementary question, for the scheme to be postponed as a whole. If that were not possible there were a couple of things that I wished the Department to do: to bring the waiting period down a week and to pay the benefit every fortnight instead of every month. Hon. Members will be aware of the problems that may arise from trying to budget for a month on a comparatively small sum. Of course, there was a waiting period where people could wait for a week without receiving any benefits.

Members will be familiar, of course, with the argument of the right hon. Member for Chingford and Woodford Green (Mr Duncan Smith), who was the author of the system. He said that universal credit should reflect the working world: the majority of people are paid monthly, so the benefit should also be paid on a monthly basis, and that would prepare people for the world of work and getting a job. That ignores the fact that many people are likely to be on universal credit for periods that may not be defined, without any hope of getting work. More fundamentally, I believe that it ignores the difficulties of dealing with small sums over a month, rather than a week or a fortnight.

Some time ago, I ran a surgery to advise people who were dealing with the bedroom tax. A woman who came in with a list of expenditure that had £1 at the bottom. I asked, “What’s that £1 for?”, and she said, “Well, I have to walk down to town to shop. Once a fortnight, I don’t walk back. I take the bus.” That is what it was for. People on a weekly budget cope remarkably well, mainly because they have no other choice.

The Secretary of State did not agree with my proposal to delay or postpone bringing the benefit in, but he said something significant: changes will be made when necessary, as necessary and step by step. It was positive of him to say that the benefit is not entirely set in stone and that changes can be made. Now there are welcome changes in the Budget, although they are quite small and insufficient.

Those changes reduce the waiting period from six weeks to five weeks—that is, from 42 days to 35. Some hon. Members will know that the benefit is paid monthly, but that people have to wait an additional fortnight at the beginning, which has already caused significant problems. Those six weeks include four weeks to check income, because people are paid monthly so the details of their monthly income are needed, then a week for processing time and a week of waiting. That week of waiting has gone.

Most of us who take an interest in this subject know that that week of waiting meant very little and had no practical purpose.

[David T. C. Davies (Monmouth) (Con)]

Mae’r Bonheddwr anrhydeddus yn gwneud pwynt pwysig, ond ’dwi’n siŵr ei fod yn gwybod bod unrhyw un gyda anawsterau ariannol yn gallu benthyg arian o’r Adran i sicrhau nad ydynt yn cael problemau. [Ymyrraeth.]

(Translation) The hon. Gentleman makes an important point, but I am sure he is aware that anyone with financial problems can borrow money from the Department to ensure that those problems are overcome. [Interruption.]

[Hywel Williams]

Mae’r Bonheddwr anrhydeddus yn gwneud pwynt da iawn, a byddaf yn sôn am hynny gyda hyn. Mae’n bosib cael taliad, ond fel dywedodd fy Nghyfaill anrhydeddus dros Dwyfor Meirionnydd o’i chadair, benthyciad yw hwnnw, nid taliad.

(Translation) The hon. Gentleman makes a good point. I will come to that in a moment, but I might as well say now that it is possible to have a payment beforehand, but that is a loan rather than a payment, as my hon. Friend the Member for Dwyfor Meirionnydd said from a sedentary position.

[Jessica Morden (Newport East) (Lab)]

That change puts people into debt straightaway. The Government have not addressed the flaws in the system. The Trussell Trust says that in areas where universal credit has been rolled out for six months or more, there has been a 30% increase in people taking up food parcels. Does the hon. Gentleman agree that those statistics lay bare the link between welfare reform and emergency help?

[Hywel Williams]

Mae’r Foneddiges anrhydeddus yn gwneud pwynt arbennig o dda. Mae’r Trussell Trust, a mudiadau eraill wrth gwrs, yn rhedeg banciau bwyd trwy Gymru gyfan, ac maen nhw wedi cynyddu’n sylweddol. Mae gennym ni rhai da iawn yng Nghaernarfon ac ym Mangor, a ’dwi wedi bod yna yn eu gweld nifer o weithiau. Gyda llaw, fy marn i am fanciau bwyd yw bod o’n dda i’w cael nhw, ond yn gywilydd bod gennym eu hangen. Fel dywedodd y Foneddiges anrhydeddus, mae cael benthyciad ar y dechrau yn golygu bod yna ddyled yn syth bin. Tydi hynny ddim yn safbwynt da i gychwyn gyrfa fel hawliwr credyd cynhwysol. Nes ymlaen, wna’i sôn am ymchwil sydd wedi cael ei wneud yn Sir Fflint ynglŷn â lle mae’r problemau efo credyd cynhwysol. Bydd hyn yn ddadlennol.

O’r hyn roeddwn i’n deall, prif bwrpas yr wythnos o ddisgwyl oedd arbed arian. Doedd dim pwrpas arall iddi. ’Dwi’n eithriadol o falch o weld y cyfnod yna yn mynd, ond gallasai’r Canghellor fod wedi gwneud llawer mwy, er enghraifft, torri’r cyfnod prosesu hefyd, fel bod rhywun yn cael yr arian mwy neu lai’n syth bin ar ddiwedd y pedair wythnos pan mae’r incwm wedi’i wirio.

Newid arall ydy, fel y sioniodd yr Aelod anrhydeddus dros Fynwy, y bydd taliad ymlaen llaw ar gael o dan rhai amgylchiadau o fewn pump diwrnod o wneud y cais. Yn fuan iawn, bydd rhywun yn dod i sylweddoli efallai nad yw’r credyd cynhwysol ddim yn ddigon a bydd rhywun yn medru gwneud cais am bres ychwanegol. Gobeithio bydd pobl ddim yn mynd heb ddim. Ond er hynny, fel ddywedodd yr Aelod anrhydeddus dros Ddwyrain Casnewydd, mae hyn yn rhoi rhywun i fewn i ddyled. Y newid arall positif a gyhoeddodd y Canghellor oedd bod y cyfnod talu’n ôl yn 12 mis yn hytrach na chwech. Ond benthyciad ydy hwn. Newid bychan ond un i’w groesawu. A dyna ni yn y bôn, hyd y gwela i, o’r Gyllideb. Nid y cyfnod disgwyl ydy’r brif broblem efo credyd cynhwysol, na chwaith y taliadau ymlaen llaw.

Hoffwn siarad ychydig bach am y pethau y byddwn i a Phlaid Cymru yn hoffi gweld yn cael eu newid ynglŷn â’r budd-dal, fel rhyw rhestr siopa i’r Ysgrifennydd Gwladol a’r Canghellor at y dyfodol. Mae credyd cynwhysol yn arbennig o bwysig i Gymru, gyda chynifer o bobl yn medru ei hawlio. Ac i fod yn blaen—waeth i ni fod yn blaen ddim—mae hynny am fod gennym ni gymaint o bobl sy’n dlawd ac ar gyflogau isel. Dyna pam rydym yn medru hawlio gymaint o’r arian yma ar gyfradd uwch na’r Alban a Lloegr.

Bydd y cyfanswm o bobl sy’n medru hawlio credyd cynhwysol yng Nghymru yn cynrychioli tua 400,000 o aelwydydd. Mae hyn yn gyfran enfawr o’r bobl sydd yn byw yn ein gwlad, yn arbennig o gofio mai cartrefi ac aelwydydd yw’r 400,000, ac mae’r teuluoedd sy’n byw yno—y plant a’r gŵr neu’r wraig—yn ychwanegol i hynny. Felly, bydd y nifer absoliwt o bobl fydd yn dibynnu i ryw raddau ar gredyd cynhwysol yn sylweddol eto. Oherwydd hynny, byddai diwygio pellach o fudd eithriadol i ni yng Nghymru, yn arbennig o gofio fod pobl ar incymau is yn tueddi i wario’n lleol ac mae’r bunt sy’n cael ei gwario’n lleol yn mynd ymhellach o lawer yn yr economi lleol hefyd. Felly, nid mater absoliwt o gael incwm ychwanegol yw hyn, ond hefyd rhoi hwb i’r economi lleol.

(Translation) The hon. Lady makes an exceptionally good point. The Trussell Trust and other organisations run food banks throughout Wales. The number of food banks has increased substantially—we have two very good ones in Caernarfon and Bangor, which I have visited many times. It is good to have them, but it is shameful that we need them. I will try to assist them. As the hon. Lady said, receiving a loan at the beginning means that debt is immediately accrued, which is not a great position for someone receiving benefits to start from.

The problems in Flintshire are illustrative of the problems with universal credit. From my understanding, the main purpose of the additional week of waiting was to save money, so I am glad that it has been removed. The Chancellor could have done much more, however, such as trying to cut down on the processing time so that people get the money almost immediately after the four weeks in which income has been checked.

The other proposed change is that the payment beforehand, which the hon. Member for Monmouth mentioned, will be available five days before. Very soon, people will come to see that universal credit may not be sufficient, and it will be possible to apply for further funding. I hope people will not lose out or go without anything as a result because, as the hon. Member for Newport East said, that can lead to debt. The other positive change that the Chancellor introduced was to make the repayment period 12 months, rather than six. I welcome that change, although it is very small. I do not think the waiting time or the advance payments are the biggest problem with universal credit.

I would like to talk about some of the things that I and Plaid Cymru would like to see in relation to the benefit—a sort of shopping list for the Secretary of State and the Chancellor to look at in the future. Universal credit is extremely important for Wales, because we have so many people who can claim it. To be plain—we might as well speak plainly—that is because we have so many people who are poor and on low incomes, which is why we claim the benefit at a higher rate than England and Scotland.

About 400,000 households can claim universal credit in Wales, which is a huge number, particularly when we bear in mind that there are other members of those families, including children, so a huge number of people are to some extent dependent on universal credit. Further reform would be extremely beneficial for us in Wales, particularly bearing in mind that people on lower incomes tend to spend their money locally. A pound that is spent locally goes much further in the local economy. This is about not simply getting additional income, but boosting the local economy.

[Geraint Davies (Swansea West) (Lab/Co-op)]

I am following what the hon. Gentleman is saying very closely. Is he aware of a study commissioned by the University of Cambridge and University College London, which found that austerity killed 45,000 people between 2010 and 2014, and that a further 152,000 people will die because of austerity between 2018 and 2020? It describes austerity as economic murder. Does he agree that Wales is particularly vulnerable to the impact of that inhumane policy?

[The Chair]

Order. Before I call the hon. Member for Arfon, may I remind Members that, when they stand to speak or intervene, they must turn down the volume of their headsets? Otherwise, we all hear the noise that we are currently experiencing in our headsets.

[Hywel Williams]

Diolch i’r Aelod anrhydeddus dros Orllewin Abertawe am y pwynt hwnnw. Doeddwn i ddim yn ymwybodol o’r ymchwil arbennig yna. Rydym yn sôn fan hyn am bobl sydd reit ar ymyl y dibyn yn aml: pobl cyn agosed â phosib i fod mewn tlodi absoliwt, ynghyd â phobl sydd ar incymau isel sydd mewn gwaith ac yn ceisio mynd i fewn i’r gwaith. Mae’r ffigyrau hynny’n frawychus.

Mae dipyn mwy o ymchwil yn dod i’r fei ynglŷn â hyn. Dwi wedi bod â diddordeb ynddo ers blynyddoedd lawer, yn bennaf oherwydd fy mod yn ymwybodol bod llawer o bobl yn fy etholaeth eisiau hawlio trwy gyfrwng y Gymraeg, ond bod y ddarpariaeth ddim yna. Wnai sôn am hynny mewn munud. Mae fwy o ymchwil yn dod i’r fei rwan, gan gynnwys, Mr Hanson, o’ch ardal chi, gan Gyngor ar Bopeth Flintshire Citizens’ Advice. Buaswn yn cymeradwyo’r adroddiad “Our local experience of Universal Credit Full Service” i’r Aelodau anrhydeddus yn yr ystafell ac i unrhyw un sydd yn gwrando. Mae yna adroddiad misol—mae hwn o fis Hydref, mae un arall gen i fan hyn o fis Tachwedd y llynedd. Maen nhw’n cyhoeddi ffigyrau a ffeithiau digon diddorol. Bydd yr Aelodau anrhydeddus yn cofio, wrth gwrs, fod credyd cynhwysol wedi cael ei redeg fel peilot yn Shotton, felly mae ganddynt ddeunydd crai ar gyfer eu hymchwil sydd ddim ar gael mewn llefydd eraill. Mae ffeithiau dadlennol yno; roeddwn yn sbio arnynt rwan, tra’r oedd yr Aelod anrhydeddus dros Drefaldwyn yn siarad. Mae tri-chwarter y bobl a ddaeth atynt am gyngor yn ferched. Mae yna rhaniad gender eithaf sylweddol yn y fan yna.

Fel gwybodaeth i’r Ysgrifennydd Gwladol a’i Gyfaill gwir anrhydeddus, y Canghellor, mae’r problemau oedd yn codi yn sir y Fflint yn codi allan o bethau fel camgymeriadau gan yr adran ei hun—roedd rheina’n frith; hawlio ar-lein yn broblemus yn arbennig i bobl heb sgiliau llythrennedd; gorfod disgwyl ar y ffôn yn ddiddiwedd; budd-dal tai ddim ar gael ar amser neu ddim yn cael ei dalu o gwbl; a’r cyfnod aros yn wrthgymhelliad â phobl yn dweud na allent ddisgwyl am chwech wythnos i gael yr arian. Yn fwyaf arwyddocaol, i ddweud y gwir, mae rhan fwyaf y problemau’n codi o gwmpas y cais cyntaf, gyda phobl yn ceisio gwneud cais ac yn methu neu yn cael camgymeriadau wrth wneud.

Does dim gwybodaeth fan hyn, gyda llaw, ynglŷn â hawlio trwy gyfrwng y Gymraeg. Roedd y peilot oedd yn cael ei rhedeg yn Shotton, lle nad oes cymaint o bobl yn siarad Cymraeg, ond dwi’n siwr y daw hyn i’r amlwg wrth i’r system gael ei weithredu trwy Gymru gyfan. Pan es i Shotton i weld y system gyfrifiadurol sydd ganddynt—mae hyn eto yn bwynt i’r Ysgrifennydd Gwladol a’i gyfeillion yn y Cabinet—doedd y system ddim wedi ei chynllunio efo dwyieithrwydd yn y golwg. Hynny yw, system trwy gyfrwng y Saesneg a chais i foltio’r Gymraeg arni oedd bryd hynny o leiaf. Oherwydd hynny, roedd yna broblemau garw efo’r feddalwedd—does dim amheuaeth am hynny. Dwi yn ofni y gwelwn ni ragor o broblemau efo hynny. Buasai’n dda gweld y Llywodraeth yn gweithredu ymhellach na’r Canghellor y tro hwn.

Hoffwn orffen trwy nodi ychydig o newidiadau buddiol, fel rhyw rhestr siopa at y dyfodol, i’r Ysgrifennydd Gwladol a’i Gyfaill gwir anrhydeddus, y Canghellor. Mae yna fân-doriadau wedi bod i gredyd cynhwysol yn barod ers iddo ddod i fewn. Mae yna rywfaint o dorri fan hyn a fan draw, rhyw dameidiau bach sydd yn mynd yn fwy ac, erbyn hyn, mae e’n £3 biliwn yn is o ran gwariant. Mae’n swm sylweddol iawn o ystyried bod y £3 biliwn yna, yn y bôn, yn dod o bocedi hawlwyr sydd ar incwm digon isel i hawlio, digon isel fel mae. Fel canran o’r boblogaeth, maen nhw’n colli £3 biliwn. Hefyd, ar hyn o bryd, mae hawliwr yn colli 63c o bob punt ychwanegol o incwm. Felly, os ydy rhywun yn gweithio fymryn yn galetach a chael punt ychwanegol o incwm, maen nhw’n colli 63c o fudd-dal. Dyma’r tapr.

Pan nes i ddechrau cymryd diddordeb yn y maes hwn bron i 30 mlynedd yn ôl erbyn hyn, pan oedd y Social Security Act 1986 yn dod i fewn, bryd hynny roedd y tapr yn fwy na phunt am bunt. Bydd rhai Aelodau yn cofio hynny: rhywun yn ennill £1 ac yn colli £1.20 oherwydd daeth budd-dal tai i fewn. Diolch byth, mae e lawr i 63c yn y bunt rwan, yn hytrach na 65c yn lled-ddiweddar. Mae’n parhau i fod yn llawer rhy uchel yn fy marn i ac mae’n wrthgymhelliad sylweddol i weithio mwy ac ennill mwy. Rydym yn sôn o hyd yn y lle yma am waith fel ffordd allan o dlodi. Wel, dyma ni: gwrthgymhelliad pendant. Dwn i’m beth tasai’r Ysgrifennydd Gwladol yn dweud pe tasen i’n cynnig trethi incwm uwch ar 63% yn hytrach na 40%. Mae’n wrthgymhelliad. Mae fel bod y ddadl gwrthgymhelliad yn gweithio pan yn sôn am bobl sy’n ennill llawer iawn o bres—peidio a threthi. Ond dydy o ddim yn gweithio efo pobl sydd ar ryw ychydig; mae eisiau gwneud yn siwr eu bod yn gweithio’n galetach felly peidiwch a rhoi gormod yn eu pocedi. Dylid cymryd camau buan a sylweddol i leihau y tapr a medrwn ni edrych—gobeithio—ar y Canghellor i ystyried hynny.

O ran y rhestr yma, bydd rhai o’r Aelodau anrhydeddus yn gwybod bod gofal plant yn faich enfawr ar rieni pan maen nhw’n mynd yn ôl i waith. Mae gen i a fy ngwraig brofiad uniongyrchol diweddar o hyn. Diolch byth nad ydym ni’n hawlio credyd cynhwysol, oherwydd o dan y system yna mae’n rhaid talu am ofal plant ac yna hawlio yn ôl. Hynny yw, mae’n rhaid i rywun ffeindio’r pres i dalu efallai cannoedd—dros £1,000 efallai—am ofal plant llawn am ddau o blant, ac yna hawlio’r arian yn ôl. Mae hynna yn sicr yn rhoi pobl mewn dyled unwaith eto. Felly, byddai talu costau gofal plant ymlaen yn hytrach nag yn ôl yn newid bach na fyddai’n costio llawer i’r Llywodraeth. Mater o dalu’n gynt ydy o, nid mater o dalu’n ychwanegol. Cymeradwyaf hynny fel newid buddiol.

Yn olaf ar y rhestr mae’r lwfans gwaith, sy’n caniatau i rhai pobl ennill rhywfaint—gallant ennill hyn a hyn—heb effeithio ar eu budd-dâl. Ers talwm, pan ddechreuais gymryd diddordeb yn y mater, roedd yn cael ei alw’n “therapeutic earnings”. Dyna ydy’r pwynt: caniatáu i rywun fentro i’r gwaith ac ennill rhywfaint heb effeithio ar y fudd-dâl. Ar hyn o bryd, mae’r lwfans werth £397 y mis—bron £400—cyn i neb weld lleihau yn eu budd-dâl nhw. Ond cyn i’r newidadau ddod i fewn yn Ebrill 2016, roedd y ddarpariaeth yma ar gael nid yn unig i bobl anabl a rhieni, fel sy’n wir ar hyn o bryd, ond i bawb—roedd gan unrhywun y cymhelliant bach yna i fentro. Roedd rhai pobl yn medru ennill cymaint â £734 y mis, sydd bron dwyaith cymaint, ond nid yw hynny ar gael bellach. Byddai codi uchafswm y lwfans gwaith a’i estyn yn ôl i bob unigolyn, gan roi iddynt y cymhelliad i fynd at waith, yn gam positif iawn, yn arbenning pan fod un aelod o gwpwl yn gweithio. Efallai byddai hynny yn rhoi cymhelliad i’r ail aelod o’r cwpwl fynd i’r gwaith hefyd.

Cyfeiriais ar y cychwyn at synnwyr cyffredin o ran yr iaith Gymraeg. Ers hynny, rwyf wedi cyfeirio at dim ond cyfran fach o’r hyn fyddai Plaid Cymru am newid o ran y drefn budd-daliadau. Mae yna lawer iawn mwy hoffem wneud, ond mae hynny tu hwnt i sgôp y ddadl yma. Nid yn lleiaf, hoffem ddatganoli rhedeg y gyfundrefn a symud y cyfrifoldeb am nawdd cymdeithasol o ddydd i ddydd o’r lle yma i Gaerydd. Y rheswm dros hynny, wrth gwrs, yw ei fod yn ymarferol ac yn synnwyr cyffredin i roi datblygu’r economi, darparu addysg a hyfforddiant, gwasanaethu i bobl anabl, a phob math o bethau eraill, o dan yr un to â darparu incwm. Maent yn ffitio hefo’i gilydd yn dda iawn, ac mae hynny’n digwydd mewn rhannau eraill o’r Deyrnas Gyfunol. Cam cymharol syml—ac un gweinyddol yn y bôn—byddai symud y cyfrifoldeb am redeg y system o ddydd i ddydd o fan hyn i Gaerdydd. Ond, hyd at rŵan o leia, mae’n ymddangos bod yr enghraifft bach yma o synnwyr cyffredin y tu hwnt i ddirnadaeth y Llywodraeth yma ar hyn o bryd.

(Translation) I thank the hon. Member for Swansea West for that point. I was not aware of that research. We are talking about people who are right at the edge and are close to absolute poverty, and about those who are working on low incomes or are seeking to enter the field of employment. Those figures are frankly terrifying.

Further research is emerging on this issue. I have had an interest in it for many years, mainly because many people in my constituency try to claim through the medium of Welsh, and the provision is not available. I will talk about that issue later. More research is emerging, including from Citizens Advice Flintshire in your constituency, Mr Hanson. I commend its report entitled “Our local experience of Universal Credit Full Service” to hon. Members in the room and anyone who is listening. It is a monthly report. This is from October, and I have one available from last November. It publishes interesting figures and information. Hon. Members will remember that universal credit was run as a pilot in Shotton, so Citizens Advice Flintshire has material for its reports that is not available elsewhere. Some of the figures and information are very illuminating; Some of the figures and information are very illuminating; I was looking at them as the hon. Member for Montgomeryshire was speaking. Three quarters of those who came for advice were women, which suggests quite a substantial gender gap.

For the information of the Secretary of State and his right hon. Friend the Chancellor, let me briefly run through the problems in Flintshire, some of which arose because of mistakes by the Department. Claiming was problematic, particularly for people with literacy problems, who had to wait on the phone endlessly; housing benefit was not paid on time or not paid at all; and the waiting period was too long—many people could not wait six weeks for the money. Most significantly, most people’s problems arose in their first application, when they tried to make a claim but failed or found difficulties.

No information is given about the right to claim through the medium of Welsh. The pilot scheme was in Shotton, where not so very many people speak Welsh, but I am sure that that problem will become more evident as the system is rolled out throughout Wales. When I went to Shotton to see the scheme in operation—this is a point for the Secretary of State and his Cabinet colleagues—I could see that the computer system had not been designed with bilingualism in mind. It seemed that it worked through the medium of English and that Welsh was bolted on, so there were severe problems with the software—there is no doubt about that. I fear that we will see further problems. It would be good to see the Government taking action and going further than the Chancellor did.

May I conclude by noting some changes that would be beneficial? I have a shopping list for the Secretary of State and the Chancellor. Since the introduction of universal credit, there have been a few small cuts to it here and there, but they are becoming larger. Some £3 billion less is being spent—a significant sum, when we consider that essentially it comes out of the pockets of those who are on low enough incomes to be claimants. That segment of the population is losing £3 billion. Additionally, a claimant who works hard to receive a further £1 of income will lose 63p of benefit as a result of the taper.

I first took an interest in the subject more than 30 years ago when the Social Security Act 1986 was passed. The taper was more than 100% at the time: as hon. Members will remember, people would lose £1.20 in benefit for every extra £1 they earned, because of the introduction of housing benefit. That taper has recently gone down from 65p to 63p in the £1, but in my view it is still much too high, because it is a significant disincentive to earn more. We often talk about work as a way out of poverty, but the taper is a definite disincentive. I do not know what the Secretary of State would say if I suggested taxing income at 63p rather than 40p in the £1; it seems that talking about disincentives works as an argument against taxing people who earn a great deal of money, but not as an argument against stopping people on lower incomes trying to earn more. I hope the Chancellor will reconsider the taper.

This is not the final point on my shopping list, but as some hon. Members will know, childcare is a large burden on parents when they return to work. My wife and I have direct recent experience of this. I am so very grateful that we do not claim universal credit, because under that system people have to pay for the childcare and then claim it back. People have to find perhaps over £1,000 for full-time childcare and then they can claim that money back. That will certainly put people into debt. Paying childcare costs forward, rather than claiming them back, would be a step forward. It would not cost much more to the Government; it is just a matter of paying more quickly rather than paying any additional sums. I would commend that as a beneficial change.

Finally on this shopping list is the work allowance, which allows some people to gain some money without having it affect their benefit. Some hon. Members will have interest in this, in terms of therapeutic earnings allowing someone to enter the workforce and then to earn a certain amount of money without it having an impact on the benefit. The allowance is £397—nearly £400—before anyone sees a reduction in their benefit, but before the changes in April 2016, this provision was available not only for disabled people and parents, as is the case currently, but everyone. Anyone could gain that incentive to step forward. Some people could earn as much as £734 a month, which is almost twice as much as now, but that is no longer available. Increasing the allowance would affect all individuals. It would incentivise them to get into work. It would be a very positive step, particularly when one half of a couple is working. It would give the second member of that couple an incentive to work as well.

I referred to common sense at the beginning, in terms of the Welsh language. Since then I have referred to only a small percentage of what Plaid Cymru would want to change in the benefits system. I could have said much more, but it is beyond the scope of this debate. However, not least is the devolution of funding the system: moving the responsibility for the day-to-day benefits system from here to Cardiff. That makes practical common sense, so that the economy can be developed, skills and training provided and services provided for disabled people. All those and other things can be done under the same roof as providing an income. All these things fit together very well. They are done in other parts of the United Kingdom. A simple, and basically an administrative, step would be to move the responsibility for running the system on a day-to-day basis from here to Cardiff. It is a small step, but it seems to be beyond this Government at present.

[Several hon. Members rose—]