“Er hynny, rwy’n poeni’n arw am ddiffygion sylfaenol a chymhlethdod Credyd Cynhwysol. Rwy’ wedi fy siomi bod Llywodraeth y DU yn dal ati i roi'r cynllun ar waith, er gwaethaf y galwadau cyson sy’n cael eu gwneud iddynt stopio a mynd i'r afael â'r problemau.
“However, I am deeply concerned about the fundamental flaws and complexities of Universal Credit. I am extremely disappointed that the UK Government is persisting with its roll-out, despite our calls on them to halt this and address the problems.