Consumers, Estate Agents and Redress Bill [Lords]

We have had a wide-ranging, useful debate, and I have listened with great interest to contributions from Members on both sides of the House. I am grateful to them, and I will do my best to respond, although we will have the opportunity to examine many of the issues that were raised more thoroughly in Committee. I welcome the tone of the debate, as almost all the contributions were supportive and were designed to clarify certain points or suggest improvements to the Bill. I hope that I can clarify some of the matters that were raised, and I am confident that we can improve the Bill even further in Committee—a point just made by the hon. Member for Hertford and Stortford (Mr. Prisk), to whom I am grateful. I do not intend to repeat the eloquent and comprehensive reasoning for the Bill’s introduction articulated by my right hon. Friend the Minister of State, who opened the debate, but I will try to address the matters raised by right hon. and hon. Members. The hon. Member for Mid-Worcestershire (Peter Luff), who chairs the Select Committee on Trade and Industry, and the hon. Member for Rutland and Melton (Alan Duncan) asked about the name of the new body, which is a fundamental issue. The Bill provides for the new body to be given the formal statutory title of ““National Consumer Council””. The phrase ““Consumer Voice”” has been used to describe the overall arrangements, including the new national consumer council, the new redress schemes and the generic powers enabling regulators to prescribe complaint-handling standards. The hon. Member for Mid-Worcestershire asked about redress schemes, which were also raised by the hon. Member for Richmond Park (Susan Kramer). He asked whether a postal services redress scheme would be introduced. The current energy redress scheme is not statutory, and covers only 80 per cent. of complaints. The new statutory energy redress scheme should cover the full range of complaints, so it will be an improvement. A new postal redress scheme will be set up, and we expect that to happen within 12 months of Royal Assent. The hon. Member for Rutland and Melton asked about the retention of sectoral expertise—a matter raised by several right hon. and hon. Members. I shall come on to that issue. However, it is our objective to retain sectoral expertise as part of the implementation programme involving the consumer bodies themselves. The Bill provides a specific function for the new council to investigate post office closures in clause 16. That function, currently given to Postwatch, will be preserved in the transition to the new body. The hon. Gentleman asked whether it was a cost-cutting exercise but, as he will know, the Government are not saving any money as a result of the arrangements. The savings will be enjoyed by the energy and postal services industries and, ultimately, the consumer.