English: Diolch, Dirprwy Lywydd. This is an important subject, and very timely, with this year's Scam Awareness campaign starting this week. I know many Members will have been contacted by people, as Caroline Jones has and has reported - often older and vulnerable people who have been victims of scams. As you're aware, policy on stopping scams isn't devolved. Similarly, fraud of any kind is a crime and is for the police to deal with. Despite this, we are determined to do all we can to deal with issues that affect community safety in Wales and have such a huge impact on victims. As we all know, and we've heard so clearly, scams can have a devastating impact on victims and their families. It's estimated that British consumers lose around £3.5 billion to scams every year, the equivalent of £70 for each adult living in the UK. And we've heard, of course, Citizens Advice research showing that 61 per cent of people have been targeted by scammers in the last two years. I'm also alarmed to learn through their research that nearly 40 per cent of people have been targeted five or more times. Older people, some in their 80s and 90s, are being contacted by fraudsters, demanding money or attempting to get them to transfer bank funds, as we've heard, and threatening them if they don't comply. These calls are extremely distressing for those who are targeted, whether they lose money or not. The impact on health and well-being can often be far greater than the financial loss. People lose confidence and can suffer from increased isolation and become more fearful. This, in turn, leads to deterioration in both mental and physical health, but it's by working together across a wide range of organisations that we're well-placed to influence change. We can help stop scammers inflicting the pain and misery that ruins lives, and that's a strong message from this debate. Feeling safe and secure in your home and community is fundamental for everyone. That's why we made a commitment in 2013 to support the extension of no-cold-caller zones to prevent rogue traders and cold callers from contacting people in their homes. But not all scams are conducted on the doorstep - [ Interruption.]
Welsh: Diolch, Ddirprwy Lywydd. Mae hwn yn bwnc pwysig, ac mae'n amserol iawn, gydag ymgyrch Ymwybyddiaeth Sgamiau eleni yn dechrau yr wythnos hon. Gwn y bydd pobl wedi cysylltu â llawer o'r Aelodau, fel y mae Caroline Jones wedi'i nodi - pobl hŷn a bregus yn aml sydd wedi dioddef sgamiau. Fel y gwyddoch, nid yw'r polisi ar atal sgamiau wedi'i ddatganoli. Yn yr un modd, mae twyll o unrhyw fath yn drosedd ac yn fater i'r heddlu ymdrin ag ef. Er hyn, rydym yn benderfynol o wneud popeth a allwn i fynd i'r afael â materion sy'n effeithio ar ddiogelwch cymunedol yng Nghymru ac sy'n cael effaith mor fawr ar ddioddefwyr. Fel y gwyddom ni i gyd, ac rydym wedi clywed hyn mor glir, gall sgamiau gael effaith ddinistriol ar ddioddefwyr a'u teuluoedd. Amcangyfrifir bod defnyddwyr Prydain yn colli tua £3.5 biliwn i sgamiau bob blwyddyn, sy'n cyfateb i £70 ar gyfer pob oedolyn sy'n byw yn y DU. Ac wrth gwrs, clywsom am ymchwil Cyngor ar Bopeth sy'n dangos bod 61 y cant o bobl wedi cael eu targedu gan sgamwyr yn y ddwy flynedd diwethaf. Rwyf hefyd wedi dychryn wrth ddysgu drwy eu hymchwil fod bron i 40 y cant o bobl wedi cael eu targedu bum gwaith neu fwy. Mae twyllwyr yn cysylltu â phobl hŷn, rhai yn eu 80au a 90au, yn mynnu arian neu'n ceisio eu hannog i drosglwyddo arian banc, fel rydym wedi'i glywed, ac yn eu bygwth os nad ydynt yn cydymffurfio. Mae'r galwadau ffôn hyn yn peri gofid mawr i'r rheini a dargedir, pa un a ydynt yn colli arian ai peidio. Yn aml, gall yr effaith ar iechyd a llesiant fod yn llawer mwy na'r golled ariannol. Mae pobl yn colli hyder a gallant ddioddef mwy o unigrwydd a mynd yn fwy ofnus. Mae hyn, yn ei dro, yn arwain at ddirywiad mewn iechyd meddwl a chorfforol, ond drwy gydweithio ar draws ystod eang o sefydliadau rydym mewn sefyllfa dda i ddylanwadu ar newid. Gallwn helpu i atal twyllwyr rhag achosi'r boen a'r trallod sy'n difetha bywydau, ac mae honno'n neges gref o'r ddadl hon. Mae'n hanfodol bod pawb yn teimlo'n ddiogel yn eu cartrefi a'u cymunedau. Dyna pam y gwnaethom ymrwymiad yn 2013 i gefnogi'r camau i greu parthau dim galw diwahoddiad er mwyn atal masnachwyr twyllodrus a galwyr digroeso rhag cysylltu â phobl yn eu cartrefi. Ond nid yw pob sgam yn digwydd ar garreg y drws - [ Torri ar draws.]