We are trying to do two things. First, we want to ensure that there is support for everyone, wherever they are, who may run into problems. Secondly, given the unemployment pressures in my hon. Friend's constituency, he will welcome our changes to support for mortgage interest, which have doubled the capital limit and shortened the period for which people have to wait for that support. I am sure that he will also welcome the money that has gone through his local authority towards debt advice, as well as help in the courts. At no stage, including when the case comes to court, is a repossession a foregone conclusion.