Rwyf hefyd yn croesawu'r gwaith sy'n cael ei wneud gan Lywodraeth y Deyrnas Unedig i weithredu cynllun seibiant o ddyledion, sy'n cynnwys dwy ran wahanol sy’n perthyn i’w gilydd - y cynllun Breathing Space a'r cynllun ad-dalu dyledion statudol. Pan gânt eu gweithredu bydd y ddau gynllun yn cynnig amddiffyniadau cyfreithiol rhag camau gan gredydwyr i bobl yng Nghymru sy'n wynebu problemau dyled. Bydd hyn yn golygu rhewi llog, taliadau a ffioedd eraill sy’n cael eu hychwanegu at eu dyledion. Bydd hyn yn rhoi amser i bobl gael cyngor ar ddyledion a dechrau cymryd rheolaeth dros eu harian a'u rhoi ar sail fwy cynaliadwy.
I also welcome the progress being made by the UK Government towards the implementation of a debt respite scheme, comprising of two distinct, but interrelated components, the breathing space scheme and statutory debt repayment plan. When implemented both will offer people in Wales, who are experiencing debt problems, legal protections from creditor action together with a freeze on interest, charges and other fees being added to their debts. This will allow people the time to access debt advice and begin to take control of their finances and place them on a more sustainable footing.