Member

On joint accounts, again, if a joint account is what we have to use, we will, but all of this can be avoided simply by somebody engaging in the first place. There may be cases when an overpayment is owed by somebody who is not on benefits anymore. In fact, there will be cases of people not on benefits or PAYE. If they do not want to do that—and I understand that many of us have things that we would rather not share with other people—the simplest way around that is to get in touch, discuss it and avoid these powers having to be used.