Thank you, Mr. Speaker. Mr. Speaker, I received a call yesterday from a constituent of mine on this particular matter, where she was told by the bank that she had to be out of her house yesterday. Her house is an access unit. I have been trying to deal with your department on this matter. The lady is in her late 50's and her husband is 64 years old, yet they were given a DAP program where they were unable to pay because of the financial situation they find themselves in.

I think that this government is the one that delivered that program in which the individual now find themselves financially in trouble. For one thing they are out of their home and their credit rating is no longer any good and they may have to go into bankruptcy. I would like to ask the Minister again, you mentioned you have people in-house to council clients, why has the department allowed these individuals to find themselves in this state that they may have to declare bankruptcy?