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I turn to the comment from the noble Lord, Lord Vaux, about why the PSFA requires a court notice to determine a debt when the DWP does not. I hope I have established this, but the DWP has an existing well-established legislative framework, which I have described, to determine the recoverable amount—debtors have the right to mandatory reconsideration and appeal at the First-tier Tribunal against the overall amount. The PSFA will act on behalf of other departments, and the types of debt being pursued will vary more in scope and complexity, on a case-by-case basis. Given the many types of claim that the PSFA may pursue, it is therefore appropriate to build in that additional step, because it does not have the set-up that we have described.