English: Seeing the signatory, I suspect there was something of a political motive there, coinciding with this debate. However, as I said, arrears have fallen for those on universal credit by a third after four months. However, it has always been recognised that although most people on low incomes manage their money and want to, some will need extra support, which is why the UK Government issued the universal credit local support services framework in February 2013, developed between the Department for Work and Pensions and partners, including the Welsh Local Government Association. This ensures that claimants who are not yet ready to budget for themselves on a monthly basis or are unable to use the internet are protected and assisted onto the new system. But, claimants who have debt problems or other vulnerabilities, such as poor numeracy skills, substance abuse or mental health issues, are given practical support at the onset of their claim through a network of local services, and alternative payment arrangements will be available to help claimants who need additional support, paying housing costs directly to landlords, making more frequent than monthly payments to help with budgeting, and splitting payments between partners where there is financial abuse. That is what the public sector in Wales has been signed up to, supposedly for four and a half years, and this now comes under the banner of universal support. As I highlighted in this Chamber four years ago, DWP officials have been working with all the devolved administrations since March 2012 on plans for universal credit roll-out, alongside the framework with local government, including the WLGA, and we must therefore ask the Welsh Government why universal support isn't operating better in Wales.
Welsh: Wrth weld pwy yw'r llofnodwr, rwy'n amau bod rhywfaint o gymhelliad gwleidyddol yno, i gyd-daro â'r ddadl hon. Fodd bynnag, fel y dywedais, ceir traean yn llai o ôl-ddyledion ymhlith y rhai ar gredyd cynhwysol ar ôl pedwar mis. Fodd bynnag, er bod y rhan fwyaf o bobl ar incwm isel yn rheoli eu harian ac eisiau gwneud hynny, cydnabuwyd o'r cychwyn y bydd angen cymorth ychwanegol ar rai, a dyna pam y cyhoeddodd Llywodraeth y DU y fframwaith gwasanaethau cymorth credyd cynhwysol lleol ym mis Chwefror 2013, a ddatblygwyd rhwng yr Adran Gwaith a Phensiynau a phartneriaid, gan gynnwys Cymdeithas Llywodraeth Leol Cymru. Mae hyn yn sicrhau bod hawlwyr nad ydynt yn barod eto i gyllidebu drostynt eu hunain yn fisol neu sy'n methu defnyddio'r rhyngrwyd yn cael eu diogelu a'u cynorthwyo i ddod yn rhan o'r system newydd. Ond bydd hawlwyr sydd â phroblemau dyled neu anawsterau eraill, megis sgiliau rhifedd gwael, camddefnyddio sylweddau neu broblemau iechyd meddwl, yn cael cymorth ymarferol ar ddechrau eu cais drwy rwydwaith o wasanaethau lleol, a bydd trefniadau talu amgen ar gael i helpu hawlwyr sydd angen cymorth ychwanegol, gan dalu costau tai yn uniongyrchol i'r landlordiaid, gwneud taliadau'n amlach na thaliadau misol i helpu gyda chyllidebu, a rhannu taliadau rhwng partneriaid lle y ceir cam-drin ariannol. Dyna y mae'r sector cyhoeddus yng Nghymru wedi ymrwymo iddo, am bedair blynedd a hanner yn ôl pob sôn, ac mae hyn bellach yn dod o dan faner cymorth cynhwysol. Fel y nodais yn y Siambr hon bedair blynedd yn ôl, mae swyddogion yr Adran Gwaith a Phensiynau wedi bod yn gweithio gyda'r holl weinyddiaethau datganoledig ers mis Mawrth 2012 ar gynlluniau ar gyfer cyflwyno'r credyd cynhwysol, ochr yn ochr â'r fframwaith gyda llywodraeth leol, gan gynnwys Cymdeithas Llywodraeth Leol Cymru, ac felly mae'n rhaid inni ofyn i Lywodraeth Cymru pam nad yw cymorth cynhwysol yn gweithredu'n well yng Nghymru.