English: And can I ask for two statements or debates - one of them on that topic, actually, of debt advice and the very positive and crucial role played by debt advisers in many organisations - CABx, StepChange Debt Charity, Christians Against Poverty and many others? Last week, at an event organised by Hefin David, StepChange's 'Wales in the Red' report showed that, in Wales, single parents are significantly over-represented amongst their clients; that the biggest cause of going into debt in Wales is income shocks, and we often find families who are just one event away from being cast into debt; over half of new clients in Wales are behind on at least one household bill after receiving debt advice, after receiving counselling - that's how critical the financial pressures are; and, based on general polling, there's an estimate now that around 8 per cent of adults living in Wales are facing severe debt problems, compared to around 6 per cent of the UK adult population - that's around 193,000 people in Wales in severe problem debt. On the plus side, it would allow us to debate the fact that short-term, high-cost credit as a proportion of clients in Wales with those short-term, high-cost debt loans has substantially fallen over the last five years, from 17 per cent of clients in 2014 to just one in 10now. And that, I have to say, is not least in thanks to regulatory interventions by the Financial Conduct Authority and the withdrawal of some of these rip-off high-cost credit firms - these sharks - from the market, both of which have been subject to major campaigns supported by Labour and other colleagues in Westminster and here. So, a debate would allow us to further explore what more we could do in Wales by further supporting those debt advice organisations and also supporting responsible lending through organisations like credit unions within Wales. Could we also have a statement or a debate on the Wales union learning fund, described by the president of the Wales TUC, Ruth Brady, last week as a shining example of union partnership with Welsh Government? It was a moving birthday celebration under the banner '20 years, 20 stories' in the Pierhead, which I was pleased to attend. People have seen their lives transformed - like Mark Church, who spoke eloquently at the event. In his forties, he decided to seek help for problems with reading. He took a WULF-funded essential skills course, which he described as being like being let out of a cage, and he spoke about how the experience left him with greater confidence and a host of new skills, which he uses at the office and at home, including helping his daughter with her homework for the first time. For those people who criticise the union learning fund at a UK level, but also here in Wales, they should see the evidence before them of how it's transformed people's lives. So, it would be great to have a statement or an opportunity to debate the way in which that has made a transformative impact on people's lives.
Welsh: A gaf i ofyn am ddau ddatganiad neu ddadl - un ohonynt ar y pwnc hwnnw, fel mae'n digwydd, o gyngor ar ddyledion a'r swyddogaeth hynod gadarnhaol ac allweddol y mae cynghorwyr dyled yn ei chwarae mewn llawer o sefydliadau - canolfannau Cyngor ar Bopeth, elusen dyled StepChange, Christians Against Poverty a llawer o rai eraill? Yr wythnos diwethaf, mewn digwyddiad a drefnwyd gan Hefin David, dangosodd adroddiad StepChange 'Wales in the Red' fod rhieni sengl yng Nghymru yn cael eu gorgynrychioli'n sylweddol ymhlith eu cleientiaid; yr achos mwyaf o fynd i ddyled yng Nghymru yw ergydion incwm, ac yn aml mae yna deuluoedd nad ydyn nhw ond un digwyddiad i ffwrdd o gael eu taflu i ddyled; mae dros hanner y cleientiaid newydd yng Nghymru ar ei hôl hi gydag o leiaf un bil yn y cartref ar ôl cael cyngor ar ddyledion, ar ôl cael cwnsela - dyna pa mor allweddol yw'r pwysau ariannol; ac, yn seiliedig ar bolau cyffredinol, amcangyfrifir bellach fod tua 8 y cant o'r oedolion sy'n byw yng Nghymru yn wynebu problemau dyled difrifol, o'i gymharu ag oddeutu 6 y cant o boblogaeth oedolion y DU - mae tua 193,000 o bobl yng Nghymru mewn dyled, sy'n broblem ddifrifol. Ar y llaw arall, byddai'n caniatáu inni drafod y ffaith bod credyd tymor byr, cost uchel fel cyfran o'r cleientiaid yng Nghymru â'r benthyciadau dyled tymor byr, cost uchel hynny wedi gostwng yn sylweddol yn ystod y pum mlynedd diwethaf, o 17 y cant o'r cleientiaid yn 2014 i ddim ond un o bob 10 bellach. Ac mae hynny, mae'n rhaid imi ddweud, diolch yn anad dim i ymyriadau rheoliadol gan yr Awdurdod Ymddygiad Ariannol a thynnu'n ôl rai o'r cwmnïau credyd cost uchel hyn - y siarcod hyn - o'r farchnad, y bu'r ddau ohonyn nhw yn destun ymgyrchoedd mawr gyda chefnogaeth Llafur a chydweithwyr eraill yn San Steffan ac yma. Felly, byddai dadl yn caniatáu inni ymchwilio ymhellach i weld beth yn fwy y gallem ni ei wneud yng Nghymru drwy gefnogi ymhellach y sefydliadau hynny sy'n rhoi cyngor ar ddyledion a hefyd gefnogi benthyca cyfrifol drwy sefydliadau megis undebau credyd yng Nghymru. A gawn ni hefyd ddatganiad neu ddadl am gronfa ddysgu undebau Cymru, a ddisgrifiwyd gan Lywydd TUC Cymru, Ruth Brady, yr wythnos diwethaf fel enghraifft ddisglair o bartneriaeth undeb gyda Llywodraeth Cymru? Roedd yn ddathliad pen-blwydd angerddol dan faner '20 mlynedd, 20 stori ' yn y Pierhead, ac roedd yn bleser gennyf fod yn bresennol yno. Mae pobl wedi gweld trawsnewid yn eu bywydau - megis Mark Church, a siaradodd yn huawdl yn y digwyddiad. Yn ei bedwardegau, penderfynodd ofyn am gymorth ar gyfer problemau gyda darllen. Dilynodd gwrs sgiliau hanfodol a ariennir gan Gronfa Ddysgu Undebau Cymru a gafodd ei ddisgrifio ganddo ef fel cael ei ollwng o gawell, a soniodd am y modd y rhoddodd y profiad mwy o hyder a llu o sgiliau newydd iddo, y mae'n eu defnyddio yn y swyddfa ac yn y cartref , gan gynnwys helpu ei ferch gyda'i gwaith cartref am y tro cyntaf. I'r bobl hynny sy'n beirniadu cronfa ddysgu'r undebau ar lefel y Deyrnas Unedig, ond hefyd yma yng Nghymru, dylen nhw weld y dystiolaeth sydd o'u blaenau ynglŷn â sut y mae'n trawsnewid bywydau pobl. Felly, byddai'n wych cael datganiad neu gyfle i drafod y ffordd y mae hynny wedi cael effaith drawsnewidiol ar fywydau pobl.