English: Thank you, Deputy Presiding Officer. First of all, can I thank Mick for the very detailed background to, and analysis of, actually, the issues leading to the tabling of this motion? So, I personally just want to add a few comments of my own to support what Mick has already said, particularly in relation to the impact on some of my constituents. What became apparent to me very early on in my tenure as an AM was that I started to see a pattern emerging in my casework and in some of the correspondence that I was receiving from constituents, and it's a pattern that actually continues today, relating to people who've had cavity wall insulation work undertaken in their homes. The pattern has become relatively familiar. So, we get the promotion of insulation works, we get householders taking up the offers of insulation work only to find that, at some point after that, problems such as damp start arising, and it becomes quickly apparent that the cases coming to my attention were not isolated, which I didn't realise at that time, but formed part of a much wider pattern. I'm very grateful to Assembly colleagues as we've researched and worked together to establish the nature and extent of these problems. I'm sorry to say that it doesn't seem that this is going to be an easy situation to resolve. There are a mix of issues in this whole problem that range from lack of preparatory surveys, which we've heard Siân and Mick talk about, by suitably qualified staff, leading to inappropriate work being undertaken on the homes and inappropriate work then being undertaken in social housing stock without the knowledge of landlords, and those landlords now having to pay to remove some of the insulation work that's been completed, a complete lack of accountability or accreditation on the part of contractors who've undertaken the insulation work, and the weakness of the guarantee that Mick was talking about in the sector. In truth, the Cavity Insulation Guarantee Agency does not appear to be fit for purpose; indeed, it appears overwhelmed by the scale of the issues that it's facing. That's why I chose to add my name to this motion. It allows me to report on cases like the elderly constituent who had cavity wall insulation installed almost two years ago via a Government scheme and, as a result, she's now experiencing major damp problems throughout her property. The constituent has approached the contractor, and the contractor stated that, in their opinion, the damp is related to condensation and that there's nothing further that they can do. Luckily, in this case, the contractor is still trading and the constituent is now in the process of starting a claim with CIGA as she has a 25-year guarantee. Unfortunately, for many others, where the contractor is no longer in business, taking such a case is not always straightforward, leaving some homeowners facing huge bills as they have to rectify the work themselves. This motion supports the cause of constituents like this, facing inconvenience and costs, after defective insulation work has been carried out. In almost every case, these costs were not anticipated or budgeted for, and, in many cases, are eating into valuable pension moneys or savings and, in the worst cases, are putting people into debt when they have to borrow money to rectify the work. And then there are the costs for social landlords, where they're having to spend money on corrections to their properties, money that cannot now be spent on expanding or improving their housing stock. There is, of course, an ongoing need to understand more about the problems and to extend our understanding of how it came about, and there must be lessons to be learned - especially as we continue to retrofit older properties to become more energy efficient. But perhaps more pressing is to ensure that we have a system that is fit for purpose going forward; a system that can assist householders as consumers; a system that delivers greater guarantees and security for consumers. As I said at the start, there is no quick fix to this problem, but we must be willing to improve the situation, going forward.
Welsh: Diolch i chi, Ddirprwy Lywydd. Yn gyntaf oll, a gaf fi ddiolch i Mick am y cefndir manwl iawn, a'r dadansoddiad, mewn gwirionedd, o'r problemau a arweiniodd at gyflwyno'r cynnig hwn? Felly, yn bersonol rwyf am ychwanegu ychydig o fy sylwadau fy hun i gefnogi'r hyn a ddywedodd Mick eisoes, yn enwedig mewn perthynas â'r effaith ar rai o fy etholwyr. Yr hyn a ddaeth yn amlwg i mi'n gynnar iawn yn fy nghyfnod fel AC oedd fy mod wedi dechrau gweld patrwm yn dod yn amlwg yn fy ngwaith achos a pheth o'r ohebiaeth a gawn gan etholwyr, ac mae'n batrwm sy'n parhau heddiw mewn gwirionedd, yn ymwneud â phobl sydd wedi cael gwaith inswleiddio waliau ceudod wedi'i wneud yn eu cartrefi. Mae'r patrwm wedi dod yn weddol gyfarwydd. Felly, gwelwn waith inswleiddio'n cael ei hyrwyddo, cawn ddeiliaid tai yn manteisio ar y cynnig o waith inswleiddio, ac yna'n canfod problemau ar ryw bwynt wedyn megis lleithder yn dechrau codi, a daw'n amlwg yn gyflym nad achosion unigol a ddôi i fy sylw, ac nid oeddwn yn sylweddoli ar y pryd, ond roeddent yn ffurfio rhan o batrwm ehangach o lawer. Rwy'n ddiolchgar iawn i gyd-Aelodau yn y Cynulliad gan ein bod wedi ymchwilio ac wedi gweithio gyda'n gilydd i ganfod natur a graddau'r problemau hyn. Mae'n ddrwg gennyf ddweud nad yw'n ymddangos bod hon yn mynd i fod yn sefyllfa hawdd ei datrys. Ceir cymysgedd o broblemau'n rhan o'r broblem hon sy'n amrywio o ddiffyg arolygon paratoi y clywsom Siân a Mick yn siarad amdanynt gan staff â chymwysterau addas, gan arwain at wneud gwaith amhriodol yn y cartrefi a gwaith amhriodol wedyn i'r stoc dai cymdeithasol heb yn wybod i landlordiaid, a'r landlordiaid hynny bellach yn gorfod talu i gael gwared ar beth o'r gwaith inswleiddio a gwblhawyd, diffyg atebolrwydd neu achrediad ar ran contractwyr sydd wedi gwneud gwaith inswleiddio, a gwendid y warant y soniai Mick amdani yn y sector. Mewn gwirionedd, nid yw'n ymddangos bod y Cavity Insulation Guarantee Agency yn addas i'r diben; yn wir, mae'n ymddangos eu bod wedi'u llethu gan faint y problemau y maent yn eu hwynebu. Dyna pam y dewisais ychwanegu fy enw at y cynnig hwn. Mae'n caniatáu i mi adrodd ar achosion fel yr etholwr oedrannus a gafodd waith inswleiddio waliau ceudod wedi'i wneud bron ddwy flynedd yn ôl drwy gynllun Llywodraeth ac o ganlyniad i hynny, mae hi bellach yn cael problemau mawr gyda lleithder drwy ei heiddo i gyd. Mae'r etholwr wedi siarad â'r contractwr, a dywedodd y contractwr fod y lleithder yn gysylltiedig â chyddwysiad yn eu barn hwy ac nad oes unrhyw beth pellach y gallant ei wneud. Yn ffodus, yn yr achos hwn, mae'r contractwr yn dal i fasnachu ac mae'r etholwr bellach wrthi'n dechrau ar y broses o wneud cais i CIGA gan fod ganddi warant 25 mlynedd. Yn anffodus, i lawer o bobl eraill, lle nad yw'r contractwr yn gweithredu mwyach, nid yw dwyn achos o'r fath gerbron bob amser yn syml, gan adael rhai perchnogion tai i wynebu biliau mawr gan fod yn rhaid iddynt unioni'r gwaith eu hunain. Mae'r cynnig hwn yn cefnogi achos etholwyr fel hyn, sy'n wynebu anghyfleustra a chostau, wedi i waith inswleiddio diffygiol gael ei gyflawni. Ym mhob achos bron, ni ragwelwyd y costau hyn ac ni chyllidebwyd ar eu cyfer, ac mewn llawer o achosion, maent yn bwyta i mewn i arian pensiwn gwerthfawr neu arbedion ac yn yr achosion gwaethaf, maent yn peri i bobl fynd i ddyled pan fydd yn rhaid iddynt fenthyca arian i gywiro'r gwaith. Ac mae costau wedyn i landlordiaid cymdeithasol, lle maent yn gorfod gwario arian ar gyweirio eu heiddo, arian na ellir ei wario mwyach ar ehangu neu wella eu stoc dai. Ceir angen parhaus i ddeall mwy am y problemau wrth gwrs, ac i ehangu ein dealltwriaeth o sut y digwyddodd, a rhaid bod gwersi i'w dysgu - yn enwedig wrth inni barhau i ôl-osod eiddo hŷn i allu defnyddio ynni'n fwy effeithlon. Ond efallai fod mwy o frys i sicrhau bod gennym system sy'n addas at y diben yn y dyfodol; system a all helpu deiliaid tai fel defnyddwyr; system sy'n rhoi mwy o sicrwydd a diogelwch i ddefnyddwyr. Fel y dywedais ar y dechrau, nid oes ateb hawdd i'r broblem hon, ond mae'n rhaid inni fod yn barod i wella'r sefyllfa wrth symud ymlaen.