Dr. Noreen Byrne:

The cap is an important aspect as it changes the model of how moneylending is delivered, including the credit nature. That will change things. The Money Advice and Budgeting Service has performed a very good function with curative debt advice but there is a need for a parallel system for preventative advice. That should be at a local level and networked like a MABS arrangement. MABS looked at this a number of years ago and it is an important function. There is a big gap where we can help people build capability. That could play an important role, particularly with respect to Ms Corcoran's comment about bringing all the different players together, including housing associations and community groups. Everybody is plugging in at different points to help in this scenario.