English: A number of people have talked about the cost of evicting families from their homes, and just to summarise, moving families out of their homes is a very expensive thing. It costs more than £24 million a year in direct costs, let alone the indirect costs for the health service and the education service. That's nearly £0.5 million a week that is spent on evicting people, and Plaid Cymru believes that this is a waste of money and that it would be much better to use that money on education. That would be better and more beneficial to everybody - the children, the families and the community generally. Eighty per cent of the cases arise in the wake of rent arrears, and the background is often poverty, low income, uncertain employment and varying income from week to week, and on top of that, benefits that arrive late and are delayed as the process is delayed, and a lack of order in the welfare system generally. But there is a lack of consistency from area to area. This doesn't have to happen. I disagree with Jenny Rathbone here; this doesn't have to happen, particularly at the level that it's happening at present. I'm pleased to see that there is variation across Wales; not every area is as bad as each other, and I'm pleased to say that Gwynedd and Ceredigion have lower rates than Cardiff and Wrexham, for example, in terms of evictions. In Gwynedd, the emphasis is on preventative work. There was an anti-poverty partnership, an umbrella body bringing together, four housing associations operating in the area, the county council and Citizens Advice - a partnership that has a focus on anti-poverty and working against the destructive agenda of the Westminster Government in terms of welfare reform. There was a fund that was established, which is a pot of money where it's possible to give people a discretionary housing payment when they are more likely to face difficulty in terms of paying rent and so forth, and then face eviction possibly from their homes. This pot of money has been established after specific lobbying by the council for additional funds for rural areas, and this is money from Westminster. Good work is happening with the cohort of people who face hardship, and financial help is available to help with housing benefit payments from this fund. But there is also practical help available to people who face debt problems. There's financial advice available, and putting people on the right track to avoid these problems. Ultimately, of course, there are fewer families who are evicted from their homes, and it is a proper last resort in these progressive areas. There are good practices in other housing associations across Wales, and what is important is to learn from those good practices. It is possible to avoid evicting people from their homes. Plaid Cymru believes that preventative work is much better, keeping families from being evicted from being evicted from their homes and then in turn avoiding the other outcomes that are related to losing your home for a child, for example avoiding going into the care of social services care, avoiding drug abuse, avoiding mental health problems, and avoiding falling behind at school. The Well-being of Future Generations (Wales) Act 2015 does put prevention or stopping the exacerbation of problems at the heart of the Assembly's work, and it's about time now for this to permeate through to other things that are happening on the ground, and to act on that. I do believe that this area does give a golden opportunity for that to happen - that the emphasis moves to the preventative work and avoiding these problems facing those who are evicted.
Welsh: Mae nifer wedi sôn am gost troi pobl a theuluoedd allan o'u cartrefi. Jest i grynhoi, mae symud teuluoedd allan o'u cartrefi yn beth drud. Mae o'n costio dros £24 miliwn y flwyddyn mewn costau uniongyrchol, heb sôn am y costau anuniongyrchol ar y gwasanaeth iechyd a'r gwasanaeth addysg. Mae bron i £0.5 miliwn yr wythnos yn cael ei wario ar symud pobl o'u cartrefi, ac mae Plaid Cymru yn credu bod hyn yn wastraff arian ac y byddai yn llawer iawn gwell i'w ddefnyddio fo ar addysg, ac y byddai hynny yn well ac yn fwy buddiol i bawb - y plant, y teuluoedd a'r gymuned yn gyffredinol. Mae 80 y cant o'r achosion yn codi yn sgil dyledion rhent, a'r cefndir yn aml ydy tlodi, cyflogau isel a chyflogaeth ansicr sy'n arwain at incwm sy'n amrywio o wythnos i wythnos, ac ar ben hynny, budd-daliadau sy'n cyrraedd yn hwyr yn cael eu hoedi wrth i'r broses geisiadau fynd rhagddi, a diffyg trefn cyffredinol y system wladwriaeth les. Ond mae yna ddiffyg cysondeb o ardal i ardal. Nid oes raid i hyn ddigwydd. Rwy'n anghytuno efo Jenny Rathbone yn fan hyn; nid oes raid iddo fo ddigwydd, yn enwedig i'r lefel mae o'n digwydd ar hyn o bryd. Rwyf yn falch o weld bod yna amrywiaeth ar draws Cymru; nid yw pob ardal gynddrwg, ac rwy'n falch o ddweud bod Gwynedd a Cheredigion efo cyfraddau is na Chaerdydd a Wrecsam, er enghraifft, o ran troi pobl allan o'u cartrefi. Yng Ngwynedd, mae'r pwyslais ar waith ataliol. Fe sefydlwyd partneriaeth wrthdlodi, sef corff ymbarél yn dod â'r pedair cymdeithas dai sy'n gweithredu yn yr ardal, y cyngor sir, Shelter a Chyngor ar Bopeth at ei gilydd - partneriaeth sydd â'i ffocws ar wrthdlodi ac a gafodd ei sefydlu i weithio yn erbyn agenda dinistriol Llywodraeth San Steffan o gwmpas diwygio lles. Fe sefydlwyd cronfa, sef pot o arian lle mae modd rhoi taliad tai dewisol i bobl sydd yn debygol o fynd i mewn i sefyllfa anodd iawn efo talu rhent ac yn y blaen, ac felly'n wynebu efallai cael eu troi allan o'u cartrefi. Mae'r pot yma o arian wedi cael ei sefydlu ar ôl lobïo penodol gan y cyngor am arian ychwanegol ar gyfer ardaloedd gwledig, ac arian o San Steffan ydy hwn. Mae yna waith da yn digwydd efo'r garfan o bobl sydd yn wynebu caledi, ac mae yna help ariannol i'w gael i helpu efo taliadau budd-dal tai allan o'r gronfa yma. Ond mae yna hefyd help ymarferol ar gael i bobl sydd yn wynebu problemau dyled. Mae yna gyngor ariannol i'w gael, ac mae yna roi pobl ar ben ffordd i osgoi'r problemau. Yn y pen draw, wrth gwrs, mae yna wedyn lai o deuluoedd yn cael eu troi allan o'u cartrefi, a 'last resort' go iawn ydy o yn yr ardaloedd blaengar yma. Mae yna arferion da gan gymdeithasau tai mewn llefydd eraill ar draws Cymru, a beth sy'n bwysig ydy dysgu o'r arferion da hynny. Mae hi yn bosib osgoi troi pobl allan o'u cartrefi. Mae Plaid Cymru yn credu bod gwaith ataliol yn llawer iawn gwell, yn cadw teuluoedd rhag cael eu troi allan o'u cartrefi, ac wedyn yn ei dro yn osgoi'r canlyniadau eraill sy'n gysylltiedig â cholli cartref i blentyn, er enghraifft osgoi mynd i ofal y gwasanaethau cymdeithasol, osgoi camddefnydd cyffuriau, osgoi problemau iechyd meddwl, ac osgoi mynd ar ei hôl hi yn yr ysgol. Mae Deddf Llesiant Cenedlaethau'r Dyfodol (Cymru) 2015 yn rhoi atal problemau rhag digwydd neu mynd yn waeth fel rhywbeth canolog i waith y Cynulliad yma, ac mae'n hen bryd rŵan i hwn dreiddio lawr i bethau sydd yn digwydd ar lawr gwlad, a gweithredu arno fo. Rwy'n credu bod y maes yma yn rhoi cyfle euraid i hynny ddigwydd - bod y pwyslais yn symud ar y gwaith ataliol ac ar osgoi'r problemau dybryd sy'n wynebu unrhyw un sy'n cael eu lluchio allan o'u cartref.