English: Second: 'I am curious why she' - meaning the Minister - 'doesn't appear to be interested in the 450 households in the neighbourhood of the Senedd'. I understand that. It is a little harsh, but I do understand that sentiment. Third quote: 'It is almost certain that all leaseholders will not be able to afford to pay for the necessary repairs, especially as the apartments are unmortgageable'. My fourth resident and constituent: 'We really need to see the Government step in and help out. The situation is dire'. And haven't we been seeing, during the COVID crisis, the need for bigger government, when it is needed, and effectively delivered? And my final quote: 'It is only a matter of time until someone gets seriously injured or, God forbid, something worse'. Well, as we have just heard from some of my constituents who are leaseholders directly affected, they now face potentially massive costs, and they face those costs as people who bought their houses, or homes, rather, with due diligence, bought from long-established builders and developers, bought homes in buildings that met building regulations and passed the necessary inspections, and finally now face the likelihood of enforcement orders. Now, it is true that some builders and developers have acted responsibly and entered into a partnership with leaseholders and Government to rectify the faults that made buildings unsafe. Others, however, are avoiding their obligations, at least their moral ones, or awaiting the outcome of legal proceedings; and some are playing the game of drawing out legal proceedings, knowing how vulnerable the leaseholders in these apartments are. And all this at a time when COVID has meant that most of us have had to spend much, much more time at home. So, leaseholders face the ongoing anxiety of living in buildings that we now realise have not been as safe as was designated. And there are further consequences. Homes cannot be sold, so people are trapped in apartments that no longer meet their needs, especially if they are young families. They're in accommodation that is too cramped and does not give that space that young children, for instance, need. Tragically, really, certain leaseholders now cannot start families, despite yearning to do so. Insurance costs have increased substantially, and this is something that is often overlooked, and it's an ongoing cost whilst these problems are not rectified. Redress from obdurate builders or developers, who have been responsible for poor installation - and that's a key factor in this whole question, when safe systems were not installed properly - that action requires expensive litigation. And then, finally, on these points, the inability to access funds when all else fails. The Minister, I think yesterday or the day before, indicated a scheme to help those who have fallen into rent arrears through no fault of their own and are in social homes, and talked about the provision of a very low loan - in fact, as low as legally can be permitted, it seemed to me - available from credit unions. And that sort of intelligent offer from Government is something I welcome, but we've not seen similar innovation when it comes to leaseholders in apartments. I now turn to the situation in England, where there has been a significant development. The building safety fund was announced for England by the Chancellor, Rishi Sunak, in his March budget. Additional funding of £1 billion has been committed, and this is additional to the fund to tackle ACM cladding in England that was earlier announced. It's intended to make sure that all unsafe combustible cladding will be removed from every private and social residential building above 18m, and I do welcome that policy.
Welsh: Yn ail: 'Rwy'n chwilfrydig pam nad yw hi' - sef y Gweinidog - yn ymddangos fel pe bai ganddi ddiddordeb yn y 450 o aelwydydd yng nghymdogaeth y Senedd'. Rwy'n deall hynny. Mae ychydig yn llym, ond rwy'n deall y teimlad hwnnw. Trydydd dyfyniad: 'Mae bron yn sicr na fydd pob lesddeiliad yn gallu fforddio talu am yr atgyweiriadau angenrheidiol, yn enwedig gan nad oes modd rhoi'r fflatiau dan forgais'. Fy mhedwerydd preswylydd ac etholwr: 'Mae gwir angen inni weld y Llywodraeth yn camu i mewn ac yn helpu. Mae'r sefyllfa'n enbyd'. Ac onid ydym wedi bod yn gweld, yn ystod argyfwng COVID, yr angen am lywodraeth fwy, pan fo'i hangen, wedi'i chyflawni'n effeithiol? Fy nyfyniad olaf: 'Dim ond mater o amser yw hi nes i rywun gael ei anafu'n ddifrifol, neu waeth, Duw a'n helpo'. Wel, fel rydym newydd glywed gan rai o fy etholwyr sy'n lesddeiliaid yr effeithir arnynt yn uniongyrchol, maent bellach yn wynebu costau enfawr posibl, ac maent yn wynebu'r costau hynny fel pobl a brynodd eu tai, neu gartrefi yn hytrach, eu prynu gyda diwydrwydd dyladwy, gan adeiladwyr a datblygwyr sefydledig, prynu cartrefi mewn adeiladau a oedd yn bodloni rheoliadau adeiladu ac a basiodd yr arolygiadau angenrheidiol, ac sydd bellach yn wynebu'r tebygolrwydd o orchmynion gorfodi. Nawr, mae'n wir fod rhai adeiladwyr a datblygwyr wedi gweithredu'n gyfrifol ac wedi ymrwymo i bartneriaeth gyda lesddeiliaid a'r Llywodraeth i unioni'r diffygion a wnaeth adeiladau'n anniogel. Fodd bynnag, mae eraill yn osgoi eu rhwymedigaethau, eu rhwymedigaethau moesol fan lleiaf, neu'n aros am ganlyniad achos cyfreithiol; ac mae rhai'n chwarae'r gêm o ymestyn camau cyfreithiol am amser hir, gan wybod pa mor fregus yw'r lesddeiliaid yn y fflatiau hyn. A hyn i gyd ar adeg pan fo COVID wedi golygu bod y rhan fwyaf ohonom wedi gorfod treulio llawer mwy o amser gartref. Felly, mae lesddeiliaid yn wynebu'r pryder parhaus o fyw mewn adeiladau yr ydym bellach yn sylweddoli nad ydynt wedi bod mor ddiogel ag a ddynodwyd. Ac mae canlyniadau pellach. Ni ellir gwerthu cartrefi, felly mae pobl wedi'u dal mewn fflatiau nad ydynt bellach yn diwallu eu hanghenion, yn enwedig os ydynt yn deuluoedd ifanc. Maent mewn llety sy'n rhy gyfyng ac nad yw'n rhoi'r lle sydd ei angen ar blant ifanc, er enghraifft. Yn drasig a dweud y gwir, ni all rhai lesddeiliaid ddechrau teuluoedd yn awr, er eu bod yn ysu i wneud hynny. Mae costau yswiriant wedi codi'n sylweddol, ac mae hyn yn rhywbeth sy'n cael ei anwybyddu'n aml, ac mae'n gost barhaus tra bydd y problemau hyn heb eu datrys. Mae disgwyl iawn gan adeiladwyr neu ddatblygwyr calongaled, sydd wedi bod yn gyfrifol am osodiadau gwael - ac mae hwnnw'n ffactor allweddol yn yr holl gwestiwn hwn, pan na chafodd systemau diogel eu gosod yn iawn - mae ymgyfreitha ar gyfer camau o'r fath yn ddrud. Ac yna, yn olaf, ar y pwyntiau hyn, yr anallu i gael gafael ar arian pan fydd popeth arall yn methu. Roedd y Gweinidog, ddoe neu'r diwrnod cynt rwy'n meddwl, yn nodi cynllun i helpu'r rheini sy'n wynebu ôl-ddyledion rhent heb fod unrhyw fai arnynt hwy eu hunain ac sydd mewn cartrefi cymdeithasol, a soniodd am ddarparu benthyciad isel iawn - mor isel ag y gellir caniatáu'n gyfreithiol, ymddengys i mi - gan undebau credyd. Ac mae'r math hwnnw o gynnig deallus gan y Llywodraeth yn rhywbeth rwy'n ei groesawu, ond nid ydym wedi gweld arloesedd tebyg mewn perthynas â lesddeiliaid mewn fflatiau. Trof yn awr at y sefyllfa yn Lloegr, lle bu datblygiad sylweddol. Cyhoeddwyd y gronfa diogelwch adeiladau ar gyfer Lloegr gan y Canghellor, Rishi Sunak, yn ei gyllideb ym mis Mawrth. Mae cyllid ychwanegol o £1 biliwn wedi'i neilltuo, ac mae hwn yn ychwanegol at y gronfa i fynd i'r afael â chladin ACM yn Lloegr a gyhoeddwyd yn gynharach. Bwriedir sicrhau y bydd yr holl gladin hylosg anniogel yn cael ei dynnu oddi ar bob adeilad preswyl preifat a chymdeithasol dros 18m, ac rwy'n croesawu'r polisi hwnnw.