The social exclusion task force co-ordinates and monitors progress on tackling social exclusion across England. I am aware that in Yorkshire and the Humber a wide range of measures are in place to support more vulnerable adults into homes and jobs. I am also very pleased that Barnsley, Bradford and Rotherham are all sites for the “Inspiring Communities” programme, which will help to raise the aspirations of young people in deprived areas. May I also tell my hon. Friend that when I visited the York Council for Voluntary Service, I was very impressed by its commitment to promoting social inclusion?
I am grateful to my right hon. Friend for visiting the CVS. Since York Credit Union opened three years ago, it has done an excellent job in helping people to get out of debt, but we still face a serious problem with door-to-door loan sharks. I am holding a credit agreement offered to one of my constituents, where the annual percentage rate of interest was 2,639,385.9 per cent. I am not making that figure up; it is written here in black and white. Will she speak to her colleagues in the Treasury and press for legislation to put to an end this kind of usury?
Hear, Hear.
As we can hear, the whole House is horrified by such an extortionate interest rate. We all share concerns about this, because it is often those on the lowest incomes who end up paying the highest prices because of the high cost of borrowing. I can tell my hon. Friend that the Office of Fair Trading is examining the issue and it issued an interim report yesterday. A final report will be available in the spring and the Government will consider its recommendations. As he has done, may I commend the work of credit unions, which provide a way of helping those who are financially excluded?
Although I endorse what the hon. Member for City of York (Hugh Bayley) has just said, may I ask the Minister to acquire a copy of “The Complete Plain Words” by Sir Ernest Gowers, so that she can start talking in English and get rid of terms such as “social inclusion”, “social exclusion” and “third sector”, and all this gobbledegook, which separates the very people we are trying to help from this place?
That is the first time I have ever been accused of talking gobbledegook; I think that people understand terms such as “socially included” and “socially excluded”, and find them helpful. I have some sympathy with what the hon. Gentleman says about the term “third sector” and if he could come up with a better one, that would be helpful. In some ways, I regard the “third sector”—the wider charities, voluntary organisations and social enterprise—as pretty much the first sector.