Translate the text from Welsh to English.



 
Dywedodd Rebecca Evans:


> “Mae’r banciau  bwyd sy’n cael eu defnyddio mewn ardaloedd lle mae Credyd Cynhwysol wedi’i gyflwyno wedi gweld cynnydd o 30% yn y defnydd sy’n cael ei wneud ohonynt yn ôl ystadegau gan y Swyddfa Archwilio Genedlaethol o’i gymharu â chynnydd o 12% mewn ardaloedd lle nad yw Credyd Cynhwysol wedi’i gyflwyno. Mae hyn yn sefyllfa hynod o ofidus.
> 
> “Yn ôl arolwg ymhlith pobl sy’n hawlio Credyd Cynhwysol gan adran Esther McVey ei hun roedd pedwar o bob deg oedd yn hawlio yn dioddef o anawsterau ariannol. Hefyd, roedd angen cymorth ar 46% o’r rhai newydd oedd yn gwneud cais am Gredyd Cynhwysol i wneud eu cais ar\-lein.
> 
> “Rwyf wedi gofyn i’r Ysgrifennydd Gwladol sicrhau bod Cymorth Cynhwysol ar gael mor eang â phosib i bobl sy’n hawlio Credyd Cynhwysol er mwyn helpu’r bobl hynny sy’n ei chael hi’n anodd rheoli eu sefyllfa ariannol, a hefyd y rheini sy’n ei chael hi’n anodd cael hyd i adnodd digidol.
> 
> “Roedd adroddiad diweddar y Swyddfa Archwilio Genedlaethol yn glir; mae awdurdodau lleol, cymdeithasau tai a landlordiaid oll yn gweld cynnydd mewn dyledion rhent ers cyflwyno Credyd Cynhwysol.
> 
> “Mae hyn yn cyd\-fynd â’r amryw bryderon sydd wedi’u codi a’u hanfon ata i gan y sector tai yng Nghymru.
> 
> “Tynnodd y Swyddfa Archwilio Genedlaethol sylw at y ffaith bod diffygion yn y system o ran canfod pobl sy’n agored i niwed ac mae hyn yn ei gwneud hi’n anodd gweld sut maen nhw’n cael y cymorth cywir o’r dechrau’n deg pan maen nhw’n gwneud cais am Gredyd Cynhwysol. Rwyf wedi gofyn i’r Ysgrifennydd Gwladol esbonio sut mae’n bwriadu mynd ati i unioni hyn.
> 
> “Gall pob sy’n fwy agored i niwed gael cynnig trefniadau talu amgen drwy Gredyd Cynhwysol, ond rydyn ni’n gweld anghysondebau go iawn yn y modd mae hyn yn cael ei gynnig i bobl sy’n hawlio. Yn ôl arolwg gan yr Adran Gwaith a Phensiynau ei hun ymhlith pobl sy’n hawlio, roedd cynifer â 48% o’r rhai a holwyd wedi gorfod gofyn am gymorth eu hunain yn hytrach na’u bod yn cael ei gynnig o’r dechrau’n deg.
> 
> “Rwy’n bryderus iawn am ddiffygion Credyd Cynhwysol a’i effaith ar y bobl fwyaf agored i niwed yng Nghymru a byddaf yn parhau i bwyso ar Lywodraeth y Deyrnas Unedig i fynd i’r afael â hyn.”







Translation:


 
Rebecca Evans said: 



> “Foodbank use in areas where Universal Credit has been rolled out has increased by 30% according to National Audit Office statistics, compared to a 12% increase in non\-Universal Credit areas. This is extremely worrying.
> 
> 
> “A Universal Credit claimant survey from Esther McVey’s own department shows that four in ten claimants were experiencing financial difficulties, and that 46% of new Universal Credit claimants need help to make their claim online.  
> 
> 
> “I have asked the Secretary of State to make Universal Support for people who claim Universal Credit available as widely as possible to help those people who are experiencing difficulties in managing their finances, and for those who are struggling with digital access. 
> 
> 
> “The recent National Audit Office report was clear; local authorities, housing associations and landlords are all seeing an increase in rent arrears since the introduction of Universal Credit. 
> 
> 
> “This chimes with many concerns raised and reported to me by the housing sector in Wales. 
> 
> 
> “The National Audit Office highlighted that the system is lacking in ways to identify vulnerable people, which makes it difficult to see how they are getting the right support, from the outset when they apply for Universal Credit. I have asked the Secretary of State to explain how she plans to rectify this. 
> 
> 
> “People who are more vulnerable can be offered alternative payment arrangements through Universal Credit, but we are seeing real inconsistencies in the way this is offered to claimants; the Department of Work and Pensions’ own claimant survey indicated that as many as 48% of those surveyed had to request this themselves, rather than being offered it proactively.
> 
> 
> “I am deeply concerned about the flaws of Universal Credit, and its impact on the most vulnerable people in Wales, and I will continue to press the UK Government on addressing these.”