asked the Secretary of State for Trade and Industry what recent representations he has received about the availability of credit to young people from organisations providing funds; and if he will make a statement.

In 1986 I received some 23 letters relating to personal over-indebtedness and roughly one third of these expressed particular concern about the availability of credit facilities to young people. This year, to date, I have received a further four letters on this subject, all but one concerned with young people. I shall continue to keep the situation under review but I do not believe it would be right to impose restrictions on the availability of credit to young people.