English: Diolch. I move our amended motion. As it states, the National Assembly for Wales acknowledges concern about the roll-out of universal credit. Two weeks ago, I wrote to the UK Secretary for Work and Pensions regarding universal credit helpline charges, imploring him to immediately explore and consider alternative options in a situation in which some people have been charged up to 55p a minute to discuss their individual claim in English, creating further barriers and much distress, whereas the Welsh language helpline is free. We were therefore pleased to hear last week's announcement that this charge would be scrapped. We also welcome reports that UK Ministers could reduce the waiting time for universal credit payments from six weeks. As the MP for Stevenage said on Saturday, on that particular issue I think we are very, very close to getting a resolution.' It is, in fact, great to see backbenchers in the Government party doing their democratic job and their Government listening, and a shame that we haven't seen the same here from Labour backbenchers on issues ranging from warnings over a decade ago that Labour's massive social housing cuts would create a housing supply crisis, to their failure to speak up publicly now in support of disabled campaigners fighting Welsh Government plans to scrap the Welsh independent living grant. Our amended motion also welcomes the principles behind universal credit. As the communities Secretary said here himself last week, the principle of the universal credit programme wasn't wrong'. When the Centre for Social Justice, which has two Labour Members on the board, envisaged universal credit, they found that most people claiming benefits wanted to work but were held back by a system that did not incentivise employment. They found that, despite a massive redistribution programme, worklessness was becoming ingrained in many parts of the UK. Research, however, found that universal credit claimants in the initial roll-out were 13 per cent more likely to have been in work than those on jobseeker's allowance and earning more money than those on jobseeker's allowance. Evidence today shows people are moving into work faster and staying longer in their job as a result of universal credit. Claimants will no longer need to go through the bureaucracy of changing their benefit claim when they enter work, as universal credit stays with them. Advances are available for anyone who needs them, and around half of people take this up. For those who can't wait until their first full payment, interest-free benefit payment advances are available within five working days, and if someone needs it urgently, this can be made on the same day. Over 50 per cent of new claimants have made use of these payments. At the beginning of this year, 55 per cent of people on universal credit weren't getting their first payment on time, but now over 80 per cent get the right amount on time the first time, with the remaining 20 per cent having missing information. The most recent expansion phase will only take the proportion of the forecast universal credit claimant population from 8 per cent currently to 10 per cent by the end of January, with time to address issues as they arise built into the roll-out schedule. Over three quarters of tenants were already in rent arrears before they started claiming universal credit, but, after four months on universal credit, this had fallen by a third.
Welsh: Diolch. Rwy'n cynnig ein cynnig fel y'i diwygiwyd. Fel y mae'n dweud, mae Cynulliad Cenedlaethol Cymru yn cydnabod y pryder ynglŷn â'r broses o gyflwyno'r credyd cynhwysol. Bythefnos yn ôl, ysgrifennais at Ysgrifennydd y DU dros Waith a Phensiynau ynglŷn â chost y llinell gymorth credyd cynhwysol, yn erfyn arno i archwilio ar unwaith ac ystyried opsiynau amgen, mewn sefyllfa lle y codwyd tâl o hyd at 55c y funud ar rai pobl i drafod eu cais unigol yn Saesneg, gan greu rhwystrau pellach a llawer o ofid, tra bo'r llinell gymorth Gymraeg yn rhad ac am ddim. Roeddem yn falch felly o glywed y cyhoeddiad yr wythnos diwethaf y byddai'r gost hon yn cael ei dileu. Rydym hefyd yn croesawu adroddiadau y gallai Gweinidogion y DU leihau'r amser aros am daliadau credyd cynhwysol o chwe wythnos. Fel y dywedodd yr AS dros Stevenage ddydd Sadwrn, ar y mater penodol hwnnw rwy'n meddwl ein bod yn agos tu hwnt at gael ateb. Mewn gwirionedd, mae'n wych gweld aelodau o feinciau cefn plaid y Llywodraeth yn gwneud eu gwaith yn ddemocrataidd a bod eu Llywodraeth yn gwrando, ac mae'n drueni nad ydym wedi gweld yr un peth yma gan aelodau o feinciau cefn Llafur ar faterion yn amrywio o rybuddion dros ddegawd yn ôl y byddai toriadau tai cymdeithasol enfawr Llafur yn creu argyfwng o ran y cyflenwad tai, i'w methiant i siarad yn gyhoeddus yn awr i gefnogi ymgyrchwyr anabl sy'n ymladd cynlluniau Llywodraeth Cymru i ddileu'r grant byw'n annibynnol yng Nghymru. Mae ein cynnig fel y'i diwygiwyd hefyd yn croesawu'r egwyddorion sy'n sail i'r credyd cynhwysol. Fel y dywedodd yr Ysgrifennydd cymunedau ei hun yma yr wythnos diwethaf, 'nid oedd egwyddor y rhaglen credyd cynhwysol yn anghywir.' Pan ragwelodd y Ganolfan Cyfiawnder Cymdeithasol, sydd â dau Aelod Llafur ar eu bwrdd, y credyd cynhwysol, gwelsant fod y rhan fwyaf o'r bobl sy'n hawlio budd-daliadau eisiau gweithio ond yn cael eu dal yn ôl gan system nad oedd yn cymell cyflogaeth. Er gwaethaf rhaglen ailddosbarthu enfawr, gwelsant fod bod heb waith magu gwraidd mewn sawl rhan o'r DU. Fodd bynnag, dangosodd ymchwil fod hawlwyr credyd cynhwysol yn y camau cychwynnol o'i gyflwyno 13 y cant yn fwy tebygol o fod wedi bod mewn gwaith na'r rhai ar lwfans ceisio gwaith ac yn ennill mwy o arian na'r rhai ar lwfans ceisio gwaith. Mae tystiolaeth heddiw'n dangos bod pobl yn cael gwaith yn gyflymach ac yn aros yn hirach yn eu swydd o ganlyniad i gredyd cynhwysol. Ni fydd angen mwyach i hawlwyr fynd drwy'r fiwrocratiaeth o newid eu cais am fudd-dal wrth iddynt ddechrau gweithio, gan fod y credyd cynhwysol yn aros gyda hwy. Mae taliadau ymlaen llaw ar gael i unrhyw un sydd eu hangen, ac mae tua hanner y bobl yn manteisio ar hyn. I'r rhai nad ydynt yn gallu aros nes eu taliad llawn cyntaf, mae blaendaliadau budd-dal di-log ar gael o fewn pum diwrnod gwaith, ac os bydd rhywun ei angen ar frys, gellir gwneud hyn ar yr un diwrnod. Mae dros 50 y cant o hawlwyr newydd wedi gwneud defnydd o'r taliadau hyn. Ar ddechrau'r flwyddyn hon, nid oedd 55 y cant o bobl ar gredyd cynhwysol yn cael eu taliad cyntaf ar amser, ond erbyn hyn mae dros 80 y cant yn cael y swm cywir ar amser y tro cyntaf, gyda'r 20 y cant arall â gwybodaeth ar goll. Ni fydd y cam diweddaraf i ehangu ond yn mynd â'r gyfran o'r boblogaeth o hawlwyr credyd cynhwysol a ragwelwyd o 8 y cant ar hyn o bryd i 10 y cant erbyn diwedd mis Ionawr, gydag amser i ymdrin â materion wrth iddynt godi a'u hymgorffori yn yr amserlen gyflwyno. Roedd gan dros dri chwarter y tenantiaid ôl-ddyledion rhent eisoes cyn iddynt ddechrau hawlio credyd cynhwysol, ond ar ôl pedwar mis ar gredyd cynhwysol, gwelwyd gostyngiad o draean yn y nifer hon.