I could not agree more with Mr Edwin Yeo’s letter, “Car loan limits may hurt the people they are meant to protect” (March 1). The measures may act as a high barrier to purchase, but they will certainly not stop those who need a car.

As a working mum with young children to ferry around during peak hours, I cannot imagine having to put them through our overcrowded public transport system.

Every morning, after dropping one of my children off at school and the other at my in-laws’, I take the train to work. Most times, I have to miss a train or push my way through just to get on board.

I would never want to put my children through this madness. There is no room for strollers in our overcrowded transport system, and I have seen poor parents trying to hang on to their babies in their carriers for dear life during peak-hour travel.

I will have to cough up huge amounts of cash to pay for my next car when the Certificate of Entitlement expires. This, on top of rising costs of living, will certainly make me and my family poorer over the next decade.

In my view, the Government can only effectively curb car ownership when our public transport is efficient in terms of its speed and capacity.