techiaith/cofnodycynulliad_en-cy huggingface dataset:
English: I genuinely believe that we need to realise that there has to be intensive support for any kind of change of category, but it has to happen. We have to bring forward a supportive, intensive and comprehensive mechanism to support schools and counties to go through this process. I'm a governor too and I know the work that a governing body has to do. But I also realise, as Heini has already mentioned, in terms of the school stock, for example, in many counties, there are no spare buildings, there is no space to construct, there is no funding to construct new buildings. So, we then have to look at the system of changing the medium of schools and that's going to be easier in some areas than others. But what isn't in place at the moment is a system to support that change.
Welsh: Dwi wir yn credu bod yn rhaid inni sylweddoli bod yn rhaid bod yna gymorth dwys ar gyfer unrhyw fath o newid categori, ond mae'n rhaid iddo fe ddigwydd. Hynny yw, mae'n rhaid inni fod â mecanwaith cefnogol, dwys a chynhwysfawr i gefnogi siroedd ac ysgolion i fynd drwy'r broses. Rwy'n llywodraethwr hefyd a dwi'n gwybod y gwaith sydd gan gorff llywodraethol i ymwneud ag ef. Ond dwi hefyd yn sylweddoli, fel y mae Heini wedi sôn, o ran stoc ysgolion, er enghraifft, mewn nifer o siroedd, does dim adeiladau sbâr, does dim llefydd i adeiladu, does dim arian i adeiladu. Ac felly, mae'n rhaid inni wedyn edrych ar system o newid cyfrwng ysgolion ac mae hynny'n mynd i fod yn haws mewn rhai ardaloedd nag eraill. Ond beth sydd ddim yn ei le ar hyn o bryd yw system i gefnogi'r newid yna.
English: Thank you very much. Does anybody else have anything to add briefly to that, because we have one more question we need to ask?
Welsh: Diolch. A oes gan rywun unrhyw beth i'w ychwanegu'n gryno os gwelwch yn dda, oherwydd mae yna un cwestiwn arall mae angen inni ei ofyn?
English: I'm concerned about the categories at the highest level. In the old categories, you had category 1, which was 100 per cent Welsh-medium; category 2A would teach about 80 per cent of subjects through the medium of Welsh to all pupils. In the new categories, you now have 3P, I think - that's the Welsh-medium schools category - where 100 per cent of subjects, more or less, are taught to all pupils. Under that, you have a category teaching 80 per cent of all subjects, but to who? Not to all pupils. So, one great concern there, for example, is Gwynedd. They are probably going to go after the lower category than the 3P. That will mean that you will have no definition as to how many pupils will be taught 80 per cent of subjects through the medium of Welsh. So, in the first instance, I would look at the categories once again and change them to reflect the desire to promote Welsh-medium education across the sector.
Welsh: Dwi'n poeni nawr am y categorïau ar y lefel uchaf. Yn yr hen gategorïau, roedd categori 1 gyda chi - ysgolion 100 y cant Cymraeg; ysgolion 2A wedyn yn dysgu tua 80 y cant o'r pynciau i bob disgybl. Yn y categorïau newydd, mae gyda chi 3P, dwi'n meddwl - dyna gategori ysgolion Cymraeg - 100 y cant o'r pynciau, mwy neu lai, i bob disgybl. O dan hwnna, mae gyda chi gategori sydd yn dysgu 80 y cant o'r pynciau, ond i bwy? Nid i bob disgybl. Nawr te, un pryder mawr fanna, er enghraifft, yw Gwynedd. Maen nhw, mae'n debyg, yn mynd i fynd ar ôl y categori is na 3P. Mae hwnna'n golygu nad oes unrhyw ddiffiniad gyda chi yn iawn o faint o ddisgyblion mewn ysgol sydd yn mynd i dderbyn 80 y cant o'r pynciau trwy gyfrwng y Gymraeg. Felly, buaswn i, yn y lle cyntaf, yn edrych ar y categorïau unwaith eto a'u newid nhw i adlewyrchu'r dymuniad a fydd yn hybu addysg Gymraeg ar draws y sector.
English: Thank you. I see that Toni wants to come in too. Very briefly, if you would.
Welsh: Diolch. Dwi'n gweld bod Toni eisiau dod mewn hefyd. Yn gryno, os gwelwch yn dda.
English: Just very briefly to affirm what Heini has just said. The situation in Gwynedd is a step back in terms of education in Gwynedd, and the categories as they are support that retrograde step, rather than supporting further development.
Welsh: Jest yn gyflym iawn i gadarnhau y pwynt wnaethpwyd gan Heini jest nawr. Mae'r sefyllfa yng Ngwynedd yn golygu cam yn ôl mewn addysg yng Ngwynedd, ac mae'r categorïau fel ag y maen nhw yn cynorthwyo'r cam yna'n ôl, yn hytrach na'n hyrwyddo datblygiad o'r newydd.
English: Thank you. I'm going to turn now to a final question from Carolyn, please.
Welsh: Diolch. Dwi'n mynd i droi at gwestiwn olaf gan Carolyn, os gwelwch yn dda.
English: That's a broad-ranging question. We have four minutes. So, if I could ask for brief comments. There is an opportunity to provide further written evidence, if you would be content to do so too, but I will give everyone a minute. If I could start with Elin.
Welsh: Cwestiwn mawr. Dwi'n ymwybodol bod gennym ni bedwar munud. Gaf i ofyn am sylwadau cryno gan bawb? Mae yna gyfle i roi tystiolaeth ychwanegol hefyd yn ysgrifenedig os fyddech chi'n fodlon â hynny, ond dwi'n mynd i roi cyfle i bawb gael munud i grynhoi. Os caf i ddechrau gydag Elin.
English: Thank you. I don't want to repeat what I've already said, but, generally speaking, it varies across Wales in terms of how the fora have been drawn together, who's contributed to them and how they've contributed. I think that needs to be standardised. We have good practice across Wales; I could share that good practice with you, but, personally, I would share good practice in Blaenau Gwent. Unfortunately, Alun has left, but Blaenau Gwent have worked excellently; Newport too. We have to realise that if we are stakeholders in Welsh-medium education, then we have to be part of the conversation. So, if we haven't been part of the conversation to date, then we need to get involved, and I think that's a responsibility on individuals within different organisations and key stakeholders to be part of that conversation, to be involved in these fora as we move forward.
Welsh: Diolch. Dwi ddim moyn ailadrodd beth rwyf wedi'i ddweud, chwaith, ond, yn gyffredinol, mae'n amrywiol ar hyd a lled Cymru, y ffordd mae'r fforymau wedi cael eu llunio a phwy sydd wedi cyfrannu iddyn nhw a sut. Dwi'n credu bod yn rhaid cysoni hynny. Mae yna arferion da gyda ni ar draws Cymru; gallaf i rannu'r arferion da yna gyda chi, ond, yn bersonol, mae'n rhaid i fi rannu arferion da yn Blaenau Gwent. Yn anffodus, mae Alun wedi gadael, ond mae Blaenau Gwent yn ardderchog; Casnewydd. Mae'n rhaid inni sylweddoli os ydyn hi'n rhanddeiliaid mewn addysg Gymraeg, mae'n rhaid inni sicrhau ein bod ni'n rhan o'r sgwrs. Felly, os nad ydyn ni wedi bod yn rhan o'r sgwrs hyd yn hyn, yna mae angen inni fod yn rhan, ac mae hynny, dwi'n credu, yn gyfrifoldeb ar unigolion o fewn y gwahanol fudiadau a rhanddeiliaid, partneriaid allweddol, i fod yn rhan o'r sgwrs a'r fforymau hyn wrth symud ymlaen.
English: Thank you. I echo what Elin has had - I think that local-level interaction and engagement is vital, not just in terms of developing the plans, but as they are implemented and as we move forward too, and I would expect that the evidence and that local input is a contribution towards the monitoring of the plans going forward. That's vitally important. The other thing that I would say too, thinking more strategically, perhaps, is that in developing the plans we were a consultee, we responded to every one of the 22 plans, but, again, if there is to be a far-reaching review in five years, I think we need a more interactive process, because it was quite a technical process, where there was a consultation and then there were responses and then the plans are implemented. So, that local-level contact is vital, and I think, in reviewing the WESPs in moving forward, I think we need a more interactive process.
Welsh: Diolch. Ategu beth ddwedodd Elin - dwi'n meddwl bod yr ymgysylltu lefel lleol yna'n hanfodol, nid jest wrth ddatblygu'r cynlluniau, ond wrth iddyn nhw gael eu gweithredu a symud ymlaen hefyd, a buaswn i'n disgwyl bod y dystiolaeth a'r sylwadau lleol yna yn gyfraniad wedyn tuag at fonitro'r cynlluniau wrth symud ymlaen. Mae'n hanfodol. Y peth arall buaswn i'n dweud hefyd, o feddwl ychydig bach yn fwy strategol, efallai, ydy, wrth ddatblygu'r cynlluniau mi oedden ni'n ymgynghorai, mi wnaethon ni ymateb i bob un o'r 22 cynllun, ond dwi'n meddwl, ac eto, os oes yna adolygiad pellgyrhaeddol ym mhen pum mlynedd, dwi'n meddwl bod angen proses ychydig bach mwy rhyngweithiol, achos mi oedd o'n broses braidd yn dechnegol, lle roedd yna ymgynghoriad ac wedyn roedd yna ymatebion, mae'r cynlluniau yn cael eu gweithredu. Felly, mae'r cyswllt weddol lleol yna'n hanfodol, a dwi'n meddwl, wrth adolygu'r cynlluniau wrth symud ymlaen, dwi'n meddwl bod angen proses ychydig fwy rhyngweithiol.
English: I'm concerned about the influence of directors of education or leaders of education in various counties on the whole process. If they're supportive of the Welsh language, then the plans are implemented well; if they are not as supportive - and we in Swansea have had some great examples of those who aren't as supportive - then the process can be sluggish and very difficult indeed. So, how do we link the WESPs and make them a more central part of the whole education policies of a county? That is necessary, so the whims of individual officers don't have such a great influence.
Welsh: Pryderu ydw i am ddylanwad cyfarwyddwyr addysg neu arweinwyr addysg mewn gwahanol siroedd ar yr holl broses. Os ydyn nhw'n gefnogol i'r Gymraeg, mae cynlluniau'n cael eu gweithredu'n dda; os dydyn nhw ddim mor gefnogol - ac rŷn ni yn Abertawe wedi cael enghreifftiau disglair o rai llai cefnogol - mae'r broses yn gallu cael ei arafu ac yn gallu bod yn anodd dros ben. Sut mae cysylltu y CSCAau i'w gwneud nhw yn fy canolog i holl bolisi addysg siroedd? Mae hwnna'n angenrheidiol, fel nad yw mympwy swyddogion penodol wedyn yn cael y fath ddylanwad.
English: I agree 100 per cent with the idea of fora. These fora should be used to hold the authorities to account. If the WESPS aren't adequately ambitious, if they don't show that clear connection with the targets that are in 'Cymraeg 2050', then we will be discussing things at too low a level. So, the fora need to look at not just the local WESP, but to what extent those plans are contributing positively towards that ambitious aim that the Welsh Government has in 'Cymraeg 2050'.
Welsh: Dwi'n cytuno 100 y cant gyda'r syniad o fforymau, wrth gwrs. Dylid defnyddio'r fforymau yma i ddwyn yr awdurdod lleol i gyfrif. Os nad yw'r cynlluniau strategol yn ddigon uchelgeisiol, os nad ydyn nhw'n dangos y cyswllt clir gyda'r targedau sydd yn 'Cymraeg 2050', yna mi fyddwn ni yn trafod pethau ar lefel rhy isel. Felly, mae'n rhaid i'r fforymau edrych nid jest ar y cynllun strategol lleol, ond i ba raddau mae'r cynllun strategol yna yn cyfrannu'n gadarnhaol at y nod uchelgeisiol sydd gan Llywodraeth Cymru yn 'Cymraeg 2050'.
English: Thank you very much. May I thank all four of you for giving evidence today? As I said about the written evidence, I think it's been a very beneficial and interesting session. We could have done with another hour to ask other questions. But if we do have additional questions that we haven't reached, or questions arising from your evidence, would you be happy for us to write to you for that further response?
Welsh: Diolch o galon. Ac a gaf i ddiolch o galon i'r pedwar ohonoch chi am ddod i roi tystiolaeth heddiw? Fel roeddwn i'n sôn am y dystiolaeth ysgrifenedig, dwi'n credu ei fod o wedi bod yn sesiwn hynod o fuddiol. Bydden ni wedi gallu gwneud efo awr arall i'ch holi chi. Gaf i ofyn os dŷch chi'n fodlon, os oes gennym ni gwestiynau ychwanegol rydyn ni heb eu cyrraedd neu yn deillio o'ch tystiolaeth chi heddiw, fyddech chi'n hapus inni ysgrifennu atoch chi am dystiolaeth bellach?
English: Thank you. That's a warning that there might be another letter on its way to you. But thank you very much for your work in this very important area.
Welsh: Iawn. Wedyn, rhagrybudd, felly, mae'n bosib bydd yna lythyr arall ar y ffordd. Ond diolch o galon ichi hefyd am eich gwaith yn y maes pwysig hwn. Diolch.
English: Thank you for the opportunity. Thank you.
Welsh: Diolch am y cyfle i fod yma. Llawer iawn o ddiolch.
English: Members of the committee, if we can move on please to item 4, where there are a number of papers to note. I'm just going to mention the item number. If anybody wants to raise any issues, please stop me, but is everyone content to note item 4.1? Item 4.2? Item 4.3? Item 4.4? Carolyn, did you want to raise any issues on this particular item, item 4.4?
Welsh: Wedyn, aelodau'r pwyllgor, os cawn ni symud ymlaen, os gwelwch yn dda at eitem 4, lle mae yna nifer o bapurau i'w nodi. Dwi jest yn mynd i sôn am rif yr eitem. Os ydy rhywun eisiau codi rhywbeth, plîs stopiwch fi, ond ydy pawb yn hapus i nodi eitem 4.1? Eitem 4.2? Eitem 4.3? Eitem 4.4? Carolyn, oeddech chi eisiau codi rhywbeth am hwn?
English: Thank you very much for that, Carolyn. We turn back to item 4.5, which is related; 4.6, 4.7, 4.8. I just wanted to note personally, clearly, the Deputy Minister is clear about what our role is as a committee with regard to the cultural strategy. We would hope, through all of our evidence and the previous evidence gathered by the previous committee, that there might be a more prominent role for past committee inquiries in terms of the cultural strategy. What I would propose is that we could write back to say that we are content to submit evidence and to have a more proactive role, if there was a desire to do that, or to be seen as potential stakeholders, rather than just a scrutiny role. Would everyone be content with that? Excellent. Thank you. Item 4.9 - we had an update in the Senedd yesterday from the Minister with regard to Qatar. Is everybody content to note that paper? And then item 4.10, another letter to note. Are there any further comments on the papers, please? No.
Welsh: Diolch yn fawr iawn am hynny, Carolyn. Gan droi nôl at eitem 4.5, sy'n gysylltiedig; 4.6, 4.7, 4.8. Roeddwn i jest eisiau nodi'n bersonol, yn amlwg, mae'r Dirprwy Weinidog yn glir beth ydy'n rôl ni fel pwyllgor o ran y strategaeth ddiwylliannol. Fe fyddwn ni'n gobeithio, drwy ein holl dystiolaeth a thystiolaeth flaenorol drwy'r pwyllgor yn y Senedd ddiwethaf, efallai fod yna rôl mwy blaenllaw i ymchwiliadau'r pwyllgor yn y gorffennol o ran y strategaeth ddiwylliant. Beth fyddwn i'n cynnig ydy ein bod ni'n gallu ysgrifennu nôl i ddweud ein bod ni'n hapus i gyflwyno tystiolaeth ac ati a bod â rhan fwy proactif, os oedd dyhead i wneud hynny, neu gael ein gweld fel rhanddeiliaid posib, yn hytrach na dim ond rôl craffu. Fyddai pawb yn fodlon gyda hynny? Gwych. Diolch. A 4.9 felly - mi gawson ni ddiweddariad, yn amlwg, yn y Senedd ddoe gan y Gweinidog ynglŷn â Qatar. Pawb yn fodlon nodi hynny? A wedyn 4.10 yn lythyr i'w nodi hefyd. Oes yna unrhyw sylwadau pellach ar y papurau os gwelwch yn dda? Na.
English: May I propose then, in accordance with Standing Order 17.42, to resolve to exclude the public from the remainder of the meeting? Are Members content to agree this motion? Yes. In which case we'll now continue in private. Thank you very much.
Welsh: Gaf i gynnig, felly, o dan Reol Sefydlog 17.42 i benderfynu gwahardd y cyhoedd o weddill y cyfarfod? Ydy'r Aelodau'n fodlon derbyn y cynnig hwn? Ydynt. Felly, mi wnawn ni rŵan barhau yn breifat. Diolch o galon.
English: Thank you, Chair, and I want to ask some questions about the workforce. I hope that my desk is not going to fall apart as I pursue these questions. I have to say, even though we have recognised for many years how important workforce planning is within the NHS generally, I'm concerned that we're dragging our feet in terms of developing a mental health workforce plan. I hear in the paper that the Government has given us about the work to prepare. We've had Health Education and Improvement Wales telling us that the work is proceeding. But, simply, when will this plan be ready to be implemented, and what resources will be available behind it to ensure that there is a plan that can make a serious difference?
Welsh: Diolch yn fawr iawn, Gadeirydd, a dwi am ofyn ychydig o gwestiynau ynglŷn â gweithlu. Gobeithio bod fy nesg i ddim yn mynd i ddisgyn yn ddarnau wrth i fi fynd ar ôl y cwestiynau hynny. Mae'n rhaid i mi ddweud, er ein bod ni wedi adnabod, dwi'n meddwl, ers blynyddoedd pa mor bwysig ydy cynllunio gweithlu o fewn y gwasanaeth iechyd yn gyffredinol, dwi'n poeni ein bod ni'n llusgo traed o ran datblygu cynllun gweithlu iechyd meddwl. Dwi'n clywed yn y papur mae'r Llywodraeth wedi rhoi inni am y gwaith sy'n digwydd i baratoi. Rydym ni wedi cael Addysg a Gwella Iechyd Cymru yn dweud wrthym ni bod y gwaith yn mynd rhagddo. Ond, yn syml iawn, pa bryd fydd y cynllun yma yn barod i gael ei weithredu, a pa adnoddau sydd yn mynd i fod ar gael y tu cefn iddo fo i wneud yn siŵr bod yna gynllun yn fan hyn all wneud gwahaniaeth o ddifrif?
English: Good afternoon. We will now start the meeting. The first item on this afternoon's agenda is questions to the Minister for Finance and Local Government, and the first question is from Altaf Hussain.
Welsh: Prynhawn da. Dyma ni'n cychwyn ar y cyfarfod. Yr eitem gyntaf y prynhawn yma yw'r cwestiynau i'r Gweinidog Cyllid a Llywodraeth Leol, ac mae'r cwestiwn cyntaf gan Altaf Hussain.
English: Through our established partnership arrangements, I've involved local government at every stage in developing plans to create a fairer council tax. I met with all 22 leaders in June, ahead of launching our phase 1 consultation, and I will convene regular discussions as we move forward.
Welsh: Drwy ein trefniadau partneriaeth sefydledig, rwyf wedi cynnwys llywodraeth leol ar bob cam wrth ddatblygu cynlluniau i greu treth gyngor decach. Cyfarfûm â phob un o'r 22 arweinydd ym mis Mehefin, cyn lansio ein hymgynghoriad cam 1, a byddaf yn cynnull trafodaethau rheolaidd wrth inni symud ymlaen.
English: Minister, many people are worried about the cost of living. Many now fear that your consultation on the future of council tax will mean that more households will pay a lot more in tax as the last revaluation did. Council tax, along with mortgage or rents and energy costs are now the biggest outgoings a family will face and next year are also predicted to bring financial hardship to many. Has the Minister considered - [ Inaudible. ]
Welsh: Weinidog, mae llawer o bobl yn poeni am gostau byw. Mae llawer yn ofni bellach y bydd eich ymgynghoriad ar ddyfodol y dreth gyngor yn golygu y bydd mwy o aelwydydd yn talu llawer mwy mewn treth, fel a ddigwyddodd gyda'r ailbrisio diwethaf. Y dreth gyngor, ynghyd â morgeisi neu renti a chostau ynni yw'r gwariant mwyaf y bydd teulu'n ei wynebu bellach, a rhagwelir hefyd y byddant yn arwain at galedi ariannol i lawer y flwyddyn nesaf. A yw'r Gweinidog wedi ystyried - [ Anghlywadwy.]
English: The first thing to say about our proposals in respect of the reform of council tax is that they are not going to happen immediately or require a revaluation of all of our properties across Wales in order to give us the building blocks for the revaluation. We have had some work done by the Institute for Fiscal Studies, which has looked at the potential implications, and we think that there will be more people who gain, by either having a reduction in their council tax or by having their council tax stay the same, than there are in terms of people who would see an increase. We are thinking about transitional arrangements for those people who may see an increase and that's part of our consultation as well. But, at the moment, this really is about testing our ideas and gaining as many consultation responses as we can. We've had 900 so far, so it's been incredibly popular, but we want to hear from as many people with as many perspectives as possible. In terms of the immediate challenges of the cost-of-living crisis, I do want to draw everybody's attention to our council tax reduction scheme. We know that there are people across Wales who aren't getting the support that they are entitled to through that scheme. And people can go to either their council website or the Welsh Government's website to find out more and see how they can apply for that support because, as I say, it's not being taken up by everybody who is entitled to it.
Welsh: Y peth cyntaf i'w ddweud am ein cynigion mewn perthynas â diwygio'r dreth gyngor yw nad ydynt yn mynd i ddigwydd ar unwaith ac na fydd angen ailbrisio ein holl eiddo yng Nghymru er mwyn rhoi'r blociau adeiladu i ni ar gyfer yr ailbrisio. Mae'r Sefydliad Astudiaethau Cyllid wedi gwneud rhywfaint o waith ar ein cyfer gan edrych ar y goblygiadau posibl, a chredwn y bydd mwy o bobl ar eu hennill, naill ai drwy gael gostyngiad yn eu treth gyngor neu drwy gael eu treth gyngor yn aros yr un fath, nag sydd o bobl a fyddai'n wynebu cynnydd. Rydym yn meddwl am drefniadau pontio ar gyfer y bobl a allai wynebu cynnydd, ac mae hynny'n rhan o'n hymgynghoriad hefyd. Ond ar hyn o bryd, mae a wnelo hyn â phrofi ein syniadau a chasglu cymaint o ymatebion i'r ymgynghoriad ag y gallwn. Rydym wedi cael 900 hyd yn hyn, felly mae wedi bod yn hynod boblogaidd, ond rydym am glywed gan gynifer o bobl gyda chymaint o safbwyntiau â phosibl. O ran heriau uniongyrchol yr argyfwng costau byw, hoffwn dynnu sylw pawb at ein cynllun gostyngiadau'r dreth gyngor. Gwyddom fod yna bobl ledled Cymru nad ydynt yn cael y cymorth y mae ganddynt hawl iddo drwy'r cynllun hwnnw. A gall pobl ymweld naill ai â gwefan eu cyngor neu wefan Llywodraeth Cymru i gael gwybod mwy a gweld sut y gallant wneud cais am y cymorth hwnnw oherwydd, fel y dywedaf, nid yw pawb sydd â hawl iddo'n manteisio arno.
English: Plaid Cymru has long argued the case that council tax is in need of reform. It's outdated, it's regressive, and the IFS recognises this. The proposals jointly agreed by Plaid Cymru and Welsh Government are the first step in changing the council tax system to one that is fairer and more progressive whilst still supporting the services delivered by local authorities. But, with the cost-of-living crisis taking hold and knowing that council tax arrears is already a significant problem and likely to worsen, what conversations has the Minister had with relevant stakeholders relating to a potential debt bonfire, forgiving those in arrears? I know that would go a long way in helping so many in Wales today.
Welsh: Mae Plaid Cymru wedi dadlau ers tro fod angen diwygio'r dreth gyngor. Mae wedi dyddio, mae'n anflaengar, ac mae'r Sefydliad Astudiaethau Cyllid yn cydnabod hyn. Y cynigion y cytunwyd arnynt ar y cyd rhwng Plaid Cymru a Llywodraeth Cymru yw'r cam cyntaf i newid system y dreth gyngor i un sy'n decach ac yn fwy blaengar gan barhau i gefnogi'r gwasanaethau a ddarperir gan awdurdodau lleol. Ond gyda'r argyfwng costau byw yn cydio a chan wybod bod ôl-ddyledion y dreth gyngor eisoes yn broblem sylweddol ac yn debygol o waethygu, pa sgyrsiau y mae'r Gweinidog wedi'u cael gyda rhanddeiliaid perthnasol ynglŷn â'r posibilrwydd o goelcerth dyledion, gan faddau dyledion y rheini sydd ag ôl-ddyledion? Gwn y byddai hynny'n gwneud cryn dipyn i helpu cynifer o bobl yng Nghymru heddiw.