We think that the clause adds to the options available. It is about a range of choice for those who are prepared to deal responsibly with their debts. We think that people will continue to pursue the route.

On the points made about the official receiver's resources, the Insolvency Service has been given substantial additional funding for the next two years. Those extra resources will enable it to be ready to introduce the proposed reforms, which are to invest in its infrastructure, to train staff and to continue to deliver the service that customers expect.

The processing of IVAs under the new financial regime will be cost-neutral. The official receiver will act only in straightforward cases, and the fast-track regime will maximise returns. The official receiver will acquire much of the information needed to make decisions on viability of IVAs through examination of the bankrupt's affairs. Official receivers are experienced in assessing bankrupts' disposable income through the operation of a similar regime for income payments orders.

I hope that I have reassured the Committee that the resources are in place, with the experience alongside them.

Question put and agreed to.

Clause 252 ordered to stand part of the Bill.