English: In my preparation for my remarks today, I was able to speak with a property management company that has quite a number of properties affected by cladding issues in England and in Wales. And though you might not expect this from me, I want to say that they had extremely positive feedback on the application process of the building and safety fund in Wales, and were happy that things were now progressing, and indeed progressing much faster in Wales than in England. Obviously, this is just anecdotal and just the experience of one person in one management company, who is not a leaseholder themselves. But I felt the need to highlight that someone, somewhere, does at least feel that you have done an agreeable job so far in dealing with the complexity of this issue. However, while it is nice to receive positive feedback, I would like to reiterate, in the strongest possible terms, that there is still a long way to go, and leaseholders are still facing extraordinary circumstances with regard to some properties. As the Minister has previously recognised, unfortunately, there are a lot of people who are caught up in this cladding issue because they cannot sell their properties or remortgage them, which has meant that they are detrimentally exposed to higher interest rates, and they cannot move to larger homes to support a growing family, or move to access better employment opportunities. Moreover, research has shown that leaseholders are now being exposed to considerably higher service costs, in part due to the increase in insurance and maintenance costs, which in some instances has increased by as much as 600 per cent. This, along with an additional and unprecedented rise in energy bills, means that owning these properties is likely to become unaffordable for many people. And I believe, Minister, that this Government should brace itself, as many leaseholders will likely face repossession as a result. Minister, we must also take into account that many people are still living in buildings that have unsafe cladding. Until these issues are rectified, residents still face the prospect of another catastrophe such as Grenfell, which we all hope and pray will never, ever happen again. Where we are today is a far cry away from when these properties were bought, in good faith, when people were expecting that they would have an affordable and safe place to live. It is disappointing that the situation has deteriorated to such an extent that nine out of 10 affected leaseholders have reported a deterioration in their mental health because of excessive worry and anxiety, with 23 per cent considering self-harm or suicide, and 32 per cent reporting an increase in their alcohol consumption. The truth is, Minister, that while this Government is responding, and this is welcomed, time is running out for people, and the help identified is going to be, quite frankly, too late for many of them, who not only face the immediate effects of repossession but who will likely face detrimental repercussions for many years to come. Minister, there are thousands of people in Wales who are bearing the brunt of a situation that was not of their making. Therefore, I encourage this Government, with the utmost urgency, to keep the pressure on to remedy this situation as soon as possible, and agree to our motion. Thank you.
Welsh: Yn fy mharatoadau ar gyfer fy sylwadau heddiw, roeddwn yn gallu siarad gyda chwmni rheoli eiddo sydd â chryn dipyn o eiddo wedi'i effeithio gan broblemau cladin yn Lloegr ac yng Nghymru. Ac er na fyddech chi'n disgwyl hyn gennyf fi efallai, rwyf am ddweud eu bod wedi cael adborth hynod gadarnhaol ar broses ymgeisio'r gronfa adeiladau a diogelwch yng Nghymru, ac yn hapus fod pethau bellach yn mynd yn eu blaen, ac yn wir yn symud ymlaen yn llawer cyflymach yng Nghymru nag yn Lloegr. Yn amlwg, anecdotaidd yn unig yw hyn a phrofiad un unigolyn yn unig mewn un cwmni rheoli, a rhywun nad ydynt yn lesddeiliaid eu hunain. Ond roeddwn i'n teimlo bod angen tynnu sylw at y ffaith bod rhywun, rhywle, o leiaf yn teimlo eich bod wedi gwneud gwaith gweddol hyd yma yn ymdrin â chymhlethdod y mater hwn. Fodd bynnag, er ei bod yn braf cael adborth cadarnhaol, hoffwn ailadrodd, yn y modd cryfaf posibl, fod ffordd bell i fynd o hyd, ac mae lesddeiliaid yn dal i wynebu amgylchiadau anghyffredin mewn perthynas â pheth eiddo. Fel y mae'r Gweinidog wedi cydnabod yn y gorffennol, yn anffodus mae yna lawer o bobl wedi'u dal yn gaeth gan y broblem cladin am na allant werthu eu heiddo na'i ail-forgeisio, sydd wedi golygu eu bod yn agored i niwed cyfraddau llog uwch, ac ni allant symud i gartrefi mwy i gynnal teulu sy'n tyfu, na symud i gael mynediad at gyfleoedd cyflogaeth gwell. Ar ben hynny, mae ymchwil wedi dangos bod lesddeiliaid bellach yn wynebu costau gwasanaeth sylweddol uwch, yn rhannol oherwydd y cynnydd mewn costau yswiriant a chynnal a chadw, sydd mewn rhai achosion wedi cynyddu cymaint â 600 y cant. Mae hyn, ynghyd â chynnydd ychwanegol a digynsail mewn biliau ynni, yn golygu bod bod yn berchen ar eiddo o'r fath yn debygol o ddod yn anfforddiadwy i lawer o bobl. Ac rwy'n credu, Weinidog, y dylai'r Llywodraeth hon ymbaratoi, gan y bydd llawer o lesddeiliaid yn debygol o wynebu adfeddiannu o ganlyniad. Weinidog, rhaid inni ystyried hefyd fod llawer o bobl yn dal i fyw mewn adeiladau sydd â chladin anniogel. Hyd nes y caiff y materion hyn eu cywiro, mae preswylwyr yn dal i wynebu'r perygl o drychineb arall fel Grenfell, a bydd pawb ohonom yn gobeithio ac yn gweddïo na fydd hynny byth yn digwydd eto. Mae'r sefyllfa rydym ynddi heddiw'n bell iawn i ffwrdd o'r adeg pan gâi eiddo o'r fath ei brynu gyda phob ewyllys da, pan oedd pobl yn disgwyl y byddai ganddynt le fforddiadwy a diogel i fyw. Mae'n siomedig fod y sefyllfa wedi dirywio i'r fath raddau fel bod naw o bob 10 lesddeiliad sydd wedi'u heffeithio wedi nodi dirywiad yn eu hiechyd meddwl oherwydd pryder a gorbryder, gyda 23 y cant yn ystyried hunan-niweidio neu hunanladdiad, a 32 y cant yn adrodd am gynnydd yn eu defnydd o alcohol. Er bod y Llywodraeth hon yn ymateb, ac mae hynny i'w groesawu, y gwir amdani, Weinidog, yw bod amser yn brin i bobl, ac mae'r help a nodwyd yn mynd i fod yn rhy hwyr i lawer ohonynt, sydd nid yn unig yn wynebu effeithiau uniongyrchol adfeddiannu ond sy'n debygol o wynebu sgil-effeithiau niweidiol am flynyddoedd lawer. Weinidog, mae yna filoedd o bobl yng Nghymru sy'n cario baich sefyllfa nad oeddent yn gyfrifol am ei chreu. Felly, rwy'n annog y Llywodraeth hon, gyda'r brys mwyaf, i ddal ati i bwyso er mwyn cywiro'r sefyllfa hon cyn gynted â phosibl, a derbyn ein cynnig. Diolch.