Ms Stella Creasy
MP for Walthamstow · Labour (Co-op) · United Kingdom
“I thank the Foreign Secretary for his clear-sighted commitment not only to talk about a two-state solution, but to actually try to act to achieve it, as the only foundation of a safe Israel and a free Palestine.”
“Could he reassure the House that we will not acquiesce and bend to such pressure, and that the only action that could ever be acceptable to us to make us contemplate reversing this ban would be a halt on the E1 development and a permanent end to settler violence?”
“I start by paying tribute to the new Minister, my hon. Friend the Member for Vauxhall and Camberwell Green (Florence Eshalomi), for all the work she did on the Housing, Communities and Local Government Committee on these issues. I know that she will do a brilliant job in this role.”
“I do not really understand the technology, but I know that he does, and I understand and share his fear accordingly. We come here today to debate this Bill because we all know that trust is a bygone issue in our politics.”
“We would welcome her having that conversation, which might be more illuminating than whether she is concerned about Zach Goldmsith’s leaflets. I add my support to the amendments tabled by my hon.”
“From today, if we do not take a stand with this Bill to tackle the ways that money has infiltrated our politics, the risk is that they will think we are acting in the interests of our own back pockets.”
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“We are all acutely aware of just how important this Bill is. In less than 24 hours, this House will be addressed by President Zelensky, and we all want to be able to look him in the eye knowing that we have done everything we possibly can to help him and his people, and knowing how urgent the situation is—that we are days if not hours away from further atrocities in Kyiv, let alone across the country. It is in that spirit of the urgency of getting this legislation right and making it as powerful as it can be that many of us have tabled amendments, many of which are cross-party. Sadly, my next-door neighbour, the right hon. Member for Chingford and Woodford Green (Sir Iain Duncan Smith), is not in his place.”
“I would like to correct the record, because that is not what Women’s Aid has said. The Minister highlighted the issue of a carve-out as being the reason why the Government do not believe in adding sex or gender to ensure that any perpetrator who attacks a woman or someone they believe to be a woman can be captured by the offences in question. I think we would all agree that is important, but he argues that the carve-out is not the right thing to do. Does he also make the same argument then that it is tokenistic to carve out offences based on racial or religious hatred, which we already do in our legislation? We have carve-outs. Stephen Lawrence’s killers were not prosecuted for a hate crime, but we recognise the hate behind it. Why does he think that women do not deserve the same protection?”
“For example, we could end up saying, “In these cases of incitement, what is incitement? In these cases, what might be sexual harassment?” It would be simpler to include it and it would recognise what the police are telling us. I stress that the police are telling us that they want this data and they want the courts to back them. They want misogyny to be treated in the same way as racial or religious hatred, because they see it driving crimes on our streets. I am pleased to hear that he is concerned for women, but women have had concern for donkey’s years. What we now want is action.”
“I would like to correct the record, because the Minister seemed to suggest that I was against what the Law Commission has said. He is asking all hon. Members whether they have read it so it is worth checking whether he has, because it says that there is a case for there being offences motivated by misogyny—for example, stirring up incitement or public sexual harassment. Those of us who have constituents such as Muslim women who get attacked in the street for being both Muslim and a woman recognise that misogyny is about not just sex but power, so we need offences to tackle that. Does the Minister recognise that if the Law Commission is saying that there are offences motivated by misogyny, the risk of not including it as an aggravating factor is that we could end up in a whack-a-mole situation?”
“The amendment is inclusive, but it ensures that it protects women, whether they were born or become one, using definitions that already exist in law.”
“Does my hon. Friend agree that given that “gender” is defined in legislation—indeed, the Government rather helpfully defined it in their consultation document, so we have a definition of “gender”—it is therefore important that we focus on perpetrators? The point behind hate crime is that I could be a victim of antisemitic abuse whether I am Jewish or not. It is about the motivation of the perpetrator. By recognising that sex or gender can motivate hostility based on misogyny, we are ensuring that no perpetrator could have a defence where they demean a victim, and no perpetrator can avoid that hostility being reported because somebody wants to put them in the trans box rather than in the misogyny box.”
“Does she agree that we need to find a way to recognise that broader concept of harassment, abuse and incitement, as the Law Commission said should happen but did not come up with legislation?”
“I completely agree with everything that the right hon. Member said. It is frustrating as always that, yet again, we are asking women to think about how they keep themselves safe rather than thinking how we stop the perpetrators, let alone the focus being somehow on street lighting, as if these incidents happen only in certain places and spaces. She talks about public sexual harassment. One of the challenges, as the Law Commission admits—I have met and talked to the Law Commission about this—is that not all harassment motivated by misogyny is sexual. I go back to the Muslim women targeted to have their hijabs torn off and disabled women, who are targeted in particular. How can we expand our understanding of how misogyny is driving crimes if we think it is only about sex?”
“As a Member for a local community where women have been ignored by the Met police for years, I have to say that that mindset change is something we should all desperately want, so we can recognise the danger when somebody starts following women and how that might escalate. We have all seen it in those reporting histories.”
“They are gathering the data and using it to track perpetrators, finding them early on in their offending careers before we get to the points that people are talking about in the press. They want the courts to back them, just as they back them when it comes to hatred of someone’s skin colour or their religion. Twenty or 30 years ago, when I was a young woman—a long time ago—there was a culture where things were said on TV and things that people said that we would now rightly recognise as racist or as religious hatred. Hate crime legislation does not just target perpetrators, but cultures. Most of all it changes the culture within the police, because the police forces that are doing this are talking about the mindset change among their members.”
“The Bertin amendment carves out a definition of serious sexual violence which we did not have, so by its very definition the Law Commission could not have looked at it to consider whether or not it addresses that concern. It is not that we should not record data where crimes are misogynistically motivated, but how we deal with them in sentencing. Carving these offences out does not mean that they are not misogynistic; it means we ensure that the already pitiful sentencing regime does not go any lower. There is something crucial in the amendment about how it works with the police and the courts, and what the police are telling us in the areas where they are doing this. I see Government Members who have police who are doing it. The police want the courts to back them.”
“I understand the concern raised about the carve-out and I will come on to that specifically, but we should be very clear that the first thing the amendment would do is record all that data, including domestic abuse and rape, as misogynistic, because it would help to form a pattern. When we talk to the police in the areas where they are recording it, it is not, frankly, the catcalling that people are reporting. It is serious sexual assault, violence against women, rape and abuse, because they have the confidence that the police are going to recognise it for what it is, which is serious violence. I also say to the Minister gently that he might want to correct the record, because the Law Commission did not look at this very proposal. This proposal is based on the Bertin amendment.”
“I have to tell the Minister that I have always said I will stop campaigning on this issue when I go to the wedding where the bride gets up and says, “Well, he followed me down the street demanding I get in the back of the van because he wanted to grope me and I thought it was the most romantic thing ever.” It does not happen. What does happen is that that is the daily experience for women across the country and the truth is that the Bill does not offer anything to resolve that. It does not offer anything to back the police, when they say to us that they want to capture that data.”
“They will have experienced abuse online, offline and in our daily lives to such an extent that it infuses what we do: the flinch when we come out of a tube station to make sure there is nobody behind us; carrying our keys in our hands; worrying about what our daughter is wearing; and hoping that our son is not one of those people who does it. The truth for the Minister is that the police are telling us, “Actually, we have a clear policy that helps us to identify people early on.” He is right when he talks about patterns of escalation. Many perpetrators start with what people might think of as lower-level offences.”
“It helps them to develop the patterns of behaviour. I gently say to the Minister that when he says the problem is that women do not report, he needs to ask himself, as the policing Minister, not why women are not reporting, but why they do not feel they can come forward to report. It is not about the women; it is about the reporting. It is about the response they get. My colleague, the right hon. Member for Romsey and Southampton North (Caroline Nokes), is absolutely right when she says that everybody knows a victim and everybody probably knows a perpetrator. Many women will have experienced sexual harassment.”
“It was time to turn the debate around—to stop telling women to keep themselves safe and providing money for lighting, because somehow it is about where they go running, and to start saying that this is about the perpetrators, and holding them to account for what they do. The challenge before the Minister is Lords amendment 72, which, again, is another cross-party effort. I pay tribute to Baroness Newlove, who is a goddess in my mind for her determination to speak up for victims, and Lord Russell, as well as my colleagues on the Government Benches who have been working to look at these issues. We are listening to the police. We are listening to the quarter of police forces that already record sex or gender when it motivates crimes, to help them catch the perpetrators. They recognise that it helps.”
“The trouble for Ministers tonight is that next week will be the anniversary of the murder of Sarah Everard. Since Sarah was murdered, we have had more deaths: the murders of Bibaa and Nicole, and of Sabina. In my constituency, I hear countless stories of violence against women. It is the fierce urgency of now that drives this piece of work. I am sure that the Minister is aware, because he has been asking us repeatedly whether we have read the report of the Law Commission, of its provenance. I was on the upskirting Bill, and the Government agreed to commit to the recommendation of the Law Commission as a result of an amendment that we tabled then, recognising that there were crimes driven by misogyny, and that that was putting women at risk.”
“What Julia faced is what we are also here tonight to talk about on amendment 72. I certainly hope that the Minister, who has come to the debate rather late but I appreciate has come with a deep concern for women’s rights, has been talking to his colleague Lord Wolfson, whose argument against making it illegal to photograph without her consent a woman who was breastfeeding was that a man might be taking pornographic photographs of his wife on a beach and accidentally catch a woman breastfeeding in his camera lens, and that would be terrible. Of course, many of us think for some time about that husband’s discussions with his wife before we think that that is a realistic example. Time and again on the Bill, we are told that, when it comes to women’s safety, matters are complex. It is put in the “too difficult” box.”
“I will start, because I have had an unintended hiatus from being in the Chamber as a result of having to breastfeed a child, by welcoming the Government’s commitment to amendment 56. It is a cross-party amendment, and I pay tribute to Lord Pannick and Baroness Hayman for the work that they did in the House of Lords on it, my hon. Friend the Member for Manchester, Withington (Jeff Smith), who also led on it, and above all to Julia Cooper, who was a much braver woman than me. I experienced someone taking a photograph of me breastfeeding my child without my permission. She did too, but she challenged the person and went to the police. The police said that there was no protection for her. She started a petition. She took that voice and has turned it into this legislation. We should all be grateful for a woman like that, who stood up.”
“I hope the right hon. Member will understand what I am saying. The Law Commission did not look at this amendment, which has learned from the Bertin amendment. [ Interruption. ] She shakes her head, but the Bertin amendment, which sets out explicitly the offences we would carve out, did not exist during the time of its work. One argument the Law Commission made was with regard to the difficulty of carving those offences out. The amendment builds on where a carve-out can be made.”
“Its arguments were technical ones about how to do the drafting, not about the principle. I hope that the Minister would acknowledge that, because he cannot both argue—”
“I am not here to say that the Lords amendment is perfect, but I am here to say the because there are other crimes that could be motivated by misogyny, which it is right to recognise within sentencing and to treat as serious—for example, exposure, cyber-flashing, assault or blackmail targeted at disabled women; we see a lot of that in the evidence base—that means that we should dismiss this entirely and say, “Well, we won’t do this at all,” is yet again to ask women to wait for something that will never come. That is the challenge we have here. The Minister wants to say, “Let’s not politicise it.” I agree. I extend my hand to him to say let us work together to get this right, but let us recognise that misogyny is driving crimes and that the Law Commission has said that.”
“I am sorry, but the Minister is conflating two different things here. The Law Commission did not look at the Bertin amendment. What it looked at was whether one might inadvertently downgrade sentencing for rape or domestic abuse by including it within this hierarchy. That is why, for example, Rape Crisis was concerned about a generalist clause. I am sure the Minister has spoken to Rape Crisis since the Law Commission’s report was made. I certainly have. I talked to it about this amendment, and it has been much more positive about it. I hope, if the Minister is quoting Rape Crisis, that he will listen to it when it says that it recognises what is being tried here.”
“We have to look at how we tackle violence against women and at why and how we could have a carve-out to make this work. That is essentially what an incitement offence would do—”
“That is not what the Minister has said, but I am pleased to hear him say that— [ Interruption. ] Great. Wonderful—consensus is breaking out, but consensus will not deal with the fact that women right now are at risk and are being harmed. This proposal is helping to improve conviction rates and to track perpetrators in the areas where it is operating. The Minister will be aware that an amendment to the Bill that became the Domestic Abuse Act 2021 was withdrawn in the other place because Ministers committed to making sure that all police forces would do the reporting, but they have not. We can agree that the reporting is necessary, but it is not sufficient to give the police the backing that they need or to say, “This is about street lighting”.”
“I will happily give way to the Minister; I can see him shaking his head and I am keen to hear his male voice about my experience of violence.”
“If he does not accept this amendment, the Minister has the time and the opportunity in the Lords to come up with an alternative. He will have my support and that of the Cross Benchers to make that happen. However, if he continues to ignore women, to say that he understands the challenge and to blame them for not coming forward and reporting things— [ Interruption. ] He is right to shake his head, but he can probably go home without looking over his shoulder. Many of us cannot.”
“People made many of these arguments 20 years ago on recognising racially and religiously motivated abuse. We now, rightly, all benefit from the protection and the freedom that has been given to people, so that they do not have to live in fear that they will be attacked just because of the colour of their skin or their religious identity. The Minister’s problem is that he says that he listens to and knows women and that he understands this area, but if he understands it at all, he should listen to the suffragettes, who told us that it was “deeds not words” that matter. All we have heard tonight is words. This proposal is backed by the police. Opposition Members and many Government Members want to back the police and want to see the courts back up the police.”
“The Minister will use the Government majority to vote this Lords amendment down, to say that violence against women is a complicated issue and that there are other approaches, and he will wait patiently and in fear that, yet again, there will be another moment as there was a year ago. The trouble is that, for us as women, waiting in fear is our daily experience, because we do not see things changing any time soon. We see the evidence base from Nottinghamshire and from the Met police. We want to know why there is a postcode lottery when it comes to the police taking violence against women seriously. We want to know why our courts want to exclude sex or gender from the protected characteristics that we rightly recognise when crimes are motivated by a hatred of somebody just for who they are, and we will tackle that.”
“He is not saying, for example, “We will introduce a proposal in the other place that addresses these issues” or that he will listen not just to all the chief constables across the country who have said that they want to see this happen, but to the organisations that have. Seeing as he is obsessed with major organisations, let us run through them: the Fawcett Society; Citizens UK; Refuge; Stonewall; HOPE not hate; Dimensions; Tell MAMA; the Jo Cox Foundation; and Safe & the City. Many of us have been talking to people who have expressed concerns to identify what those are and learn from them; that is where this amendment has come from.”
“I hope that the Minister will forgive me if I mention that there are, I think, more than 17 Law Commission reports that have been published since 2010 that the Government have not responded to and acted on—and that is just to look at the Law Commission. He also keeps saying that the Law Commission has looked at this proposal. No—the Law Commission looked at including sex or gender in all instances. It then looked at whether it was possible to have a carve-out, but we did not have the Bertin amendment, which specifically identified the offences in question and helped to shape this Lords amendment. The Minister has said that he does not want to have a fight about this. Well, he is going to have one, because he is opposing the proposal and not coming up with any alternatives.”
“What the pandemic has done for that group of people—people for whom a foreign holiday was never a possibility —is throw into sharp relief just how difficult their finances were. Many of those are in precarious jobs, such as in retail or hospitality, and they were hit even harder when the pandemic came.”
“Prior to the pandemic, Experian found that 40% of people would not be able to pay their mortgage or rent if it increased by £50 or more a month. Just an extra £50 and they were sunk. A total of 10% of this nation was constantly overdrawn, and that figure has remained pretty stable for many years. As many as 2.8 million people have persistent credit card debt, which means that they are paying more in interest fees and charges than in paying off the debt. For some people in this nation, saving is a habit, while for others it will always be an ambition. Some 34% of adults have never had any savings or have savings of less than £1,000. There were many people in this country who were struggling financially before the pandemic.”
“As a result, the risks that families face are even higher. I recognise that the Minister cares passionately about the subject and has done a lot of work on it. My call is about how we will help those families have a good Christmas, so that the new year is not a time of further worry and distress caused by debt. The honest truth is that as much as people talk about the pandemic as a time when some families have paid down debt and saved money, since they have not been able to go on expensive foreign holidays, for many others it has been a time of further financial distress. I used the word “further” critically, because we are a nation that has a problem with household debt, and has had that for some time prior to the pandemic.”
“We want families to be able to celebrate with their families and not be worried. One thing we know that causes the most worry to families is money. We are a nation that has not done as well in the G7 as some others, but we are second highest among the G7 countries for household debt. That is one competition we do not want to win as a nation—but we do. We have always been more comfortable with borrowing and credit than other nations. My point in calling the debate on Black Friday and the run-up to Christmas is to recognise that this is a time when for many families getting into debt seems the right thing to do, because it is about being able to treat loved ones. When we have had so little time with our loved ones and been so apart—I hope we can be together this year—being able to do that feels even more important.”
“I recognise that it is very easy, when we talk about consumer credit, to sound like the Grinch, as though we are saying it is all so complicated and difficult and that nobody should spend any money. Let me be clear that it is not my intention to come without good Christmas cheer. Indeed, I note that many retailers are taking advantage to promote the idea that this is the year that one should really indulge and go all out. Tesco tells us, “Don’t stop me now,” when it comes to shopping. Argos tells us, “Baubles to last year,” and Debenham’s says, “Christmas like never before.” Aldi tells us not to be a Scrooge—at least, I think that is what they are telling us with the Christmas carrot. Sports Direct is more direct than ever, telling consumers to “Go all out!” My point is more simple.”
“I beg to move, That this House has considered promotion and regulation of financial products on Black Friday. It is a pleasure to serve under your chairmanship today, Mr Robertson. May I associate myself with your comments? I had the honour and pleasure of taking part in debates chaired by Sir David. He was always a fair and very fun Chair to have around; we shall miss him terribly. I want to be clear from the start that I do not think that anybody in this room is green—green in the sense of being the Grinch. This is not a debate about whether people should be able to spend money, which is a personal decision. As we come up to Christmas, it is important to recognise that for many families this year will be an extra special one, given what we have been through over the past two years.”
“I recognise that schemes such as the furlough scheme and the self-employment income support scheme helped to mitigate the impact of that. My point when talking about consumer debt and consumer credit is that we are coming out of a period when many people were vulnerable anyway because of long-standing household debts, and that those debts have been made a lot worse. Add into the mix the fact that we expect those people to spend money and help to get our economy back on track. It does not take a rocket scientist to recognise that at the heart of that mix is something very potent that could lead to real poverty and destitution for many people.”
“Little wonder that nearly 4 million of us have borrowed to make ends meet during the lockdown period, with 1.7 million often using a credit card, 1.6 million using an overdraft and nearly 1 million using a high-cost credit product. That borrowing is not, perhaps, the stereotype of borrowing in order to buy goods—going back to my original point about people wanting to treat a family member. Instead, people have borrowed during lockdown to keep things going: to keep food on the table; to keep their car working, so that when they can go to work, they can get to work; and, perhaps, to pay for heating, especially in the cold weather. It is striking that there has been a 267% increase in the number of consumer county court judgments issued. Those numbers were depressed by the covid forbearance measures.”
“That is on fuel and water, on keeping the basics of the house going. Some 820,000 people have fallen into arrears on their council tax—a debt to the public sector—and about 500,000 people have fallen into arrears on their rent. We have seen a massive explosion in the number of people who will never own their own homes and will always be in the rental sector, particularly in areas where the cost of living is particularly high. My constituency has the 10th highest level of child poverty in the country, and that is because of the cost of living and the cost of renting in my local community. We know that those people, who have struggled to stay in our area, were particularly hit by the restrictions on their working practices in lockdown and have now found that they simply cannot afford the roof over their heads.”
“My hon. Friend is absolutely right. If both Scrooge and the Grinch are misunderstood, I very much believe that buy now, pay later companies could become the true villains of Christmas rather than them — [ Interruption. ] It might be tenuous, Minister, but it is a link. I recognise that during the pandemic, debt has become a lot worse for many people; when I say a lot worse, I mean it is less likely that they will ever be able to get out of it. Many people live with debt, and while sometimes it is a debt they can manage, an awful lot of people are drowning, not waving. Data from StepChange is clear that as a consequence of the coronavirus lockdown period, 2.8 million people have fallen into arrears: most frequently on utilities, as my hon. Friend the Member for Hornsey and Wood Green (Catherine West) said.”
“However, a large group of people is spending money that they simply do not have and getting into debt. As my hon. Friends the Members for Hornsey and Wood Green and for Hampstead and Kilburn have pointed out, because this is a new form of credit, many people do not realise it is a form of credit and what can happen if they do not pay back. The late fees, the credit checking, the credit reference agencies and the debt collection agencies are all part of the mix and experience of using these companies. In the pandemic, spending on buy now, pay later has gone up 60% to 70%. For some age groups in this country now, buy now, pay later is used more than credit cards. It is a revolution in how we use credit in this country and it has gone relatively unnoticed, except by those who cannot afford to pay and have ended up with a big hole.”
“On average, consumers spend 20% to 30% more when they can spread the payments. For the retailers, it is worth paying the fees of these companies, because people will spend more and they will get more purchases from them. Many retailers are very up front about that. It is a massive part of their forthcoming business strategy, particularly in relation to Black Friday and Christmas, to encourage consumers to use buy now, pay later because they will end up spending more than they would have done if they had used another form of credit. I reiterate: for some people, that may be perfectly reasonable. They are spending future money, but they have that future money, so it is an acceptable way to do it. They can splash out this Christmas knowing that pay packets in January, February and March will cover the cost.”
“Crucially, the consumer is not officially paying the fees, because the retailer pays to use the service, although one innovation we have noticed in the market in the last year alone has been the move to be able to allow the company to have a direct relationship with the consumers. What they call a one-time card can be created and purchased from a website without the retailer ever being involved. That in itself is problematic, because it prompts the question of how they are deciding what someone can afford to pay. Let us stick with the original business model. How these companies make their money is very simple. When a £100 pair of trainers suddenly looks as if it only costs £25, people think, “Well, I might buy the trousers and jacket to go with it, because I thought I was going to spend £100 today, and I’m only spending £25”.”
“Experian data shows us that 30% of people using buy now, pay later say they use it for items that they otherwise could not afford, and in an environment where inflation might top 4%, where wages have struggled to keep up and where we have a cost-of-living crisis, that is pouring fuel on to the fire for many people and the debt problems that they face. For those who may not be familiar with buy now, pay later, it is a simple premise. The payments are spread over a number of weeks or months with these companies, and there are variations of the same model. What does that mean for a consumer in practice? A £100 pair of trainers will, perhaps, suddenly become £25 at the point of sale, because the £75 will be paid off at later points throughout the year to recoup the cost.”
“Whereas the payday lender said, “We’ll give you a short-term loan and you’ll pay it back very quickly, and you’ll never notice, and it will just tide you over”, the buy now, pay later companies say, “Spread the cost. It will make it much more manageable, and you will be able to get the things that you need at the time that you want to.” Let me be very clear that for some people, there may well be a perfectly reasonable use of buy now, pay later, in the same way that for some people there is a perfectly reasonable use of a payday loan. The problem is that for many people buy now, pay later is a form of credit that they cannot afford, because they cannot afford the goods in the first place.”
“Indeed, they are not—they are not capped, for a start, which is one of the things that helps to protect people from getting into debt through a payday loan. Buy now, pay later companies will say that they do not charge interest to consumers, so we should not view them in the same way as payday lenders—that this is apples and oranges. But both types of high-cost credit—they are high-cost credit, because they come with late fees if people do not pay them back on time—share a similar marketing tactic, which is about forming a habit. It is about getting people to see them as the main way to make ends meet; the main way for people to deal with having too much month at the end of their money.”
“My point today about the buy now, pay later industry is that there are echoes of previous examples in our communities where new, or relatively new, forms of credit that might have seemed niche when they first came to the UK market explode very quickly, become commonplace among millions of people and, without proper regulation or scrutiny, cause many more people to get into debt as a result. We saw that with the payday lending industry, which exploded in the UK in the early 2010s, and the honest truth is that it took politicians from all sides too long to recognise just how much damage could be done by a high-interest loan. Those in the buy now, pay later industry will say that they are not a payday loan.”
“Indeed, many of us may have had the experience of talking to people in our constituencies who say, “Well, I don’t have any debt”, and then we ask them if they have a credit card and they say, “Yes, of course”, as if a credit card is not debt. My hon. Friends the Members for Hornsey and Wood Green and for Hampstead and Kilburn are right to prefigure the particular type of debt that I am concerned about. The Minister knows that I am concerned about it and I know that he agrees with me that there is a problem with this type of credit, which needs to be regulated.”
“My argument with the Minister today—he will know it, because we have been having it for many years—is about what more we can do to ensure that there is a fair and level playing field, that consumers are armed with the best information and that companies cannot exploit the situation in which there are so many people in our communities who are drowning in debt and will never get out of it. They will always live with a level of debt that might be exacerbated so that one single thing can tip them over into a financial crisis, as opposed to just a financial meltdown, which is what they might be in right now without realising it.”