§ Mr. Willetts
To ask the Secretary of State for Work and Pensions if he will place in the Library a copy of the reminder letter that is sent to people who have not replied to the initial letter on automated credit transfer. 
§ Mr. Heald
To ask the Secretary of State for Work and Pensions if he will make a statement on the exceptions service being designed for those customers240W who will not be transferring to direct payment; and when he expects to make available the criteria by which customers will qualify for the service. 
§ Mr. Pond
Our aim is to have an exceptions service ready from October 2004. There are now a number of easy to operate accounts available, many of which can be accessed at Post Office branches, so our expectation is that this service will be available for those who are genuinely unable to open or operate any type of bank, building society or Post Office account.