English: I think we've heard two outstanding speeches that covered most of the ground and done so, I think, with great eloquence, because I think we all have experience of this issue and it is a matter that really does affect our constituents. It affects day-to-day life and can leave them in a very exposed financial situation. Like others, I've been very concerned to find that we're way short of best practice, often, in the way developers leave roads in new estates. We have a historical problem, which is probably more difficult to deal with, but what's happening at the moment, when we're building record low numbers of houses - it does seem astonishing that we can't regulate that activity more effectively. I'm very concerned about what happens when roads are unadopted. Just to spell it out: roads, grass verges, pavements and playgrounds are then retained by the developer and the developer usually subcontracts day-to-day management. These companies pass on the costs to homeowners, for freeholders and leaseholders, via a deed of transfer that obliges the homeowner under the Law of Property Act 1925 - I think that takes us even further back than the research note from the House of Commons Library of 1972 [ Laughter. ] The Law of Property Act 1925 is governing these practices, and they have to pay for the maintenance of the land. This is often referred to as an estate charge, a community charge - not a name that evokes very much happiness - or a service charge, and, unfortunately, these practices are not dying out. I share the real anger that Mike had for this being continued now. We are already facing, generally, problems of affordability with housing. I mean, even people in good jobs and, however, no access to other wealth - or wealth - find it difficult to buy a home, and then to be faced with these sorts of charges and - . I have to say, it would never occur to me to check that the road is being built to acceptable standards and, you know, by the time you go under the road and think of the drainage and everything - these are duties of care that the planning system should be able to deliver, frankly. I think that's what we should be aiming for. Some of the other onerous clauses on these ground rents are just remarkable - a charge for altering the property, charges even to sell the property. Some practices are perhaps similar to what we're now experiencing with the leasehold crisis coming back, and developers sometimes selling on leasehold, and then selling on those leaseholds, and doing the same with the management companies. They're not required to publish accounts to the residents and to prove the works that are being charged for are being delivered to an appropriate standard. There's a horrible lack of transparency in this area. It is antiquated and it's leaving these home owners exposed to really punishing practices. As Mike said, these matters are now devolved, as far as I understand, and they are things that we can attempt to tackle. So, if you are minded to tackle this area, Cabinet Secretary, I think you can rely on extensive support across the Chamber, and I do hope that you will move - . You've heard the suggestion of a new law or, at least, a taskforce at first to examine the situation. Can I just finish with the lack of data? I'm told that there are 92 km of unadopted highways in Cardiff. It is really quite remarkable - [ Interruption.] Well, that's their best guess in 2010. So, it may be very different now. But really, this area cries out for reform and we should deliver it.
Welsh: Rwy'n credu ein bod wedi clywed dwy araith ragorol a oedd yn cwmpasu'r rhan fwyaf o'r mater, ac fe wnaethant hynny'n huawdl iawn yn fy marn i, oherwydd rwy'n credu bod pawb ohonom wedi cael profiad o'r mater hwn ac mae'n rhywbeth sy'n effeithio'n fawr ar ein hetholwyr. Mae'n effeithio ar fywyd o ddydd i ddydd ac yn gallu eu gadael mewn sefyllfa fregus iawn yn ariannol. Fel eraill, rwyf wedi bod yn bryderus iawn ein bod yn aml ymhell o fod yn cyrraedd safonau arferion gorau o ran y ffordd y mae datblygwyr yn gadael ffyrdd mewn ystadau newydd. Mae gennym broblem hanesyddol, sy'n anos ymdrin â hi mae'n debyg, ond yr hyn sy'n digwydd ar hyn o bryd, pan ydym yn adeiladu niferoedd llai nag erioed o dai - mae'n ymddangos yn syfrdanol na allwn reoleiddio'r gweithgarwch hwnnw'n fwy effeithiol. Rwy'n bryderus iawn am yr hyn sy'n digwydd pan fydd ffyrdd heb eu mabwysiadu. Os caf fanylu: caiff ffyrdd, ymylon glaswellt, palmentydd a meysydd chwarae eu cynnal a'u cadw gan y datblygwr ac fel arfer mae datblygwr yn is-gontractio'r gwaith rheoli o ddydd i ddydd. Mae'r cwmnïau hyn yn trosglwyddo'r costau i berchnogion tai, i rydd-ddeiliaid a lesddeiliaid, drwy weithred drosglwyddo sy'n gosod dyletswydd ar berchennog y tŷ o dan Ddeddf Cyfraith Eiddo 1925 - credaf fod hynny'n mynd â ni ymhellach yn ôl hyd yn oed na'r nodyn ymchwil o Lyfrgell Tŷ'r Cyffredin yn 1972 [Chwerthin.] Deddf Cyfraith Eiddo 1925 sy'n llywodraethu'r arferion hyn, ac mae'n rhaid iddynt dalu am waith cynnal a chadw ar y tir. Yn aml cyfeirir at hyn fel tâl ystâd, tâl cymunedol - nid yw'n enw sy'n ennyn llawer iawn o hapusrwydd - neu dâl gwasanaeth, ac yn anffodus, nid yw'r arferion hyn ar drai. Rhannaf ddicter gwirioneddol Mike ynglŷn â'r ffaith bod hyn yn parhau yn awr. Yn gyffredinol, rydym eisoes yn wynebu problemau o ran fforddiadwyedd tai. Hynny yw, mae hyd yn oed pobl mewn swyddi da ond heb fynediad at gyfoeth arall - neu gyfoeth - yn ei chael hi'n anodd prynu cartref, ac mae wynebu'r mathau hyn o ffioedd wedyn a - . Rhaid imi ddweud, ni fyddwn yn ystyried archwilio i weld a yw ffordd wedi ei hadeiladu i safonau derbyniol, wyddoch chi, ac erbyn i chi fynd o dan y ffordd a meddwl am y draenio a phopeth - dyletswyddau gofal y dylai'r system gynllunio allu eu sicrhau yw'r rhain, a dweud y gwir. Credaf mai dyna y dylem anelu tuag ato. Mae rhai o'r cymalau beichus eraill ar y rhenti tir hyn yn syfrdanol - codi ffi am newid eiddo, cost am werthu'r eiddo hyd yn oed. Efallai fod rhai arferion yn debyg i'r hyn rydym yn ei brofi yn awr gyda'r argyfwng lesddaliad yn dod yn ôl, a datblygwyr weithiau'n gwerthu ar brydles, ac yna'n gwerthu'r lesddaliad ymlaen, a gwneud yr un peth gyda'r cwmnïau rheoli. Nid yw'n ofynnol iddynt gyhoeddi cyfrifon i'r trigolion a phrofi bod y gwaith y codir amdano yn cael ei wneud i safon briodol. Mae yna brinder tryloywder eithafol yn y maes hwn. Mae'n hen ffasiwn ac yn gwneud y perchnogion tai hyn yn agored i arferion sy'n eu cosbi mewn gwirionedd. Fel y dywedodd Mike, mae'r materion hyn wedi'u datganoli bellach, yn ôl yr hyn a ddeallaf, ac maent yn bethau y gallwn geisio mynd i'r afael â hwy. Felly, os ydych yn bwriadu mynd i'r afael â'r maes hwn, Ysgrifennydd y Cabinet, credaf y gallwch ddibynnu ar gefnogaeth helaeth ar draws y Siambr, ac rwy'n gobeithio y gwnewch chi symud - . Clywsoch yr awgrym am gyfraith newydd, neu dasglu yn y lle cyntaf, fan lleiaf, i edrych ar y sefyllfa. A gaf fi orffen gyda'r diffyg data? Dywedir wrthyf fod yna 92 km o briffyrdd heb eu mabwysiadu yng Nghaerdydd. Mae'n gwbl syfrdanol - [ Torri ar draws.] Wel, dyna oedd eu dyfaliad gorau yn 2010. Felly, gall fod yn wahanol iawn bellach. Ond mewn gwirionedd, mae'r maes hwn yn galw am ddiwygio a dylem wneud hynny.