Financial Guidance and Claims Bill [HL]

My Lords, I support Amendment 1, and remind the Committee of the interest I declared at Second Re...

My Lords, I shall also comment on Amendment 1, proposed by the noble Lord, Lord McKenzie. I am no...

My Lords, I thank the noble Lord, Lord McKenzie, for tabling these amendments on the establishmen...

I have looked at the amendment and listened carefully to what the Minister said. I agree very muc...

I hope I have understood the noble Lord. Is he suggesting that we should include all of this in t...

No, I am just trying to clarify for the noble Baroness. Is she saying that, in principle, she see...

I accept what the noble Lord says but I am also saying that what is necessary is already either i...

I thank the Minister for that reply and all other noble Lords who have participated in this debat...

I again thank the noble Lord for these amendments. It is helpful to have on the record a little m...

I thank the Minister for that further explanation—I think we are almost there. Only that big ques...

That is a good question. I do not have the answer, so I will write to the noble Lord.

I am grateful for that. I think we have taken this as far as we can go this afternoon. I beg leav...

Moved by

Baroness Altmann

4: Clause 2, page 2, line 11, leave out “advice” and insert...

My Lords, this amendment goes to the heart of the consumer experience of what we are trying to do...

My Lords, I support this amendment. I was on the ad hoc Select Committee on Financial Exclusion, ...

My Lords, it is a pleasure to follow the noble Viscount, Lord Brookeborough. I too served on the ...

My Lords, my noble friend Lady Altmann has done us a great service by tabling her amendment and t...

My Lords, I served on the ad hoc committee, and I would like to add one point. One thing that cam...

My Lords, I hope the noble Baroness, Lady Altmann, will not mind my taking this opportunity, whic...

My Lords, the amendments moved by the noble Baroness, Lady Altmann, are significant. They go to t...

Well, my Lords, what is in a name? I start by declaring my interests: I am a former chairman of S...

My Lords, before this debate concludes with, I hope, the wise words of my noble friend the Minist...

I do not wish to prolong the debate, because we could continue this discussion outside if we wish...

I thank all noble Lords who have taken part in this helpful debate, and in particular my noble fr...

Perhaps I may ask the Minister for some clarification. My question relates to a point raised by t...

I thank the noble Baroness. Looking behind me, and in order to be absolutely right on this, I wou...

I understand that a note has come at pace with its best advice. It might be sensible to ask for a...

Perhaps I may add to that. Partly this is problematic because individuals receiving the debt advi...

This turns on the question of what we mean by seamless. The point is that this body will be able ...

Is it not the case that, if you can give only debt advice, that advice will be defective if you c...

There is clearly an issue here. This question is being looked at, at the moment. As I explained b...

I thank my noble friend the Minister for her remarks and all noble Lords for their excellent cont...

I am mindful of what my noble friend has said, and I hope that she is encouraged by my reference ...

I thank my noble friend for those remarks and I beg leave to withdraw the amendment.

Moved by

Lord Stevenson of Balmacara

5: Clause 2, page 2, line 13, at end insert—

My Lords, in moving Amendment 5 I shall speak also to Amendment 42. Here I shall begin to put som...

My Lords, I thank the noble Lord, Lord Stevenson, for his positive contributions so far on the Bi...

I thank the Minister for her full response and recognise much of what she said about the work cur...

Moved by

Baroness Drake

6: Clause 2, page 2, line 13, at end insert—

“that must...

My Lords, I shall speak also to Amendments 28, 29, 30 and 32. I refer the Committee to my interes...

My Lords, I support Amendment 6, which I rather hope might prove uncontroversial. This is because...

My Lords, we support the amendments in this group. I start from the assumption that they are reme...

My Lords, it may come as no surprise that we on the Front Bench support my noble friend Lady Drak...

My Lords, I thank the noble Lords, Lord McKenzie and Lord Stevenson, and the noble Baroness, Lady...

Will the Minister take away and think through this issue? Their Lordships have been perfectly cor...

I will certainly take the point away—it was well made. I assure the noble Baroness that this shou...

Many of the jobs we have created since 2010 are sole-trader jobs. Is it not the case that there i...

As I just said, we will need to take back and clarify this point. My understanding is certainly t...

I thank the Minister for her reply. We are in danger of breaking out into agreement, because I ag...

Moved by

Lord Sharkey

7: Clause 2, page 2, line 16, at end insert—

“( ) In rela...

My Lords, in moving Amendment 7, I shall speak also to Amendment 23. These amendments, in my name...

My Lords, I have some sympathy with the amendment moved by the noble Lord, Lord Sharkey, to intro...

My Lords, I echo the wise words of my noble friend Lord Trenchard and certainly support the spiri...

My Lords, we are not having much success with our amendments here on the other side. I had hoped ...

My Lords, on cold calling, my mother suffered from dementia and, in the early stages, before we r...

My Lords, I apologise for not having been present at Second Reading. I rise to express my support...

My Lords, I, too, rise to speak in support of Amendment 41. I declare an interest as a vice-presi...

My Lords, I do not want to delay this debate, which has been a very important one. This is the mo...

My Lords, I start by thanking all noble Lords, including the noble Baroness, Lady Kramer, the nob...

My Lords, every journey starts with a single step. We are not able to put in as an amendment the ...

I hear what the noble Lord says, but I want to assure noble Lords that, as I said, the Government...

Oh!

Noble Lords may laugh, but I have the advantage of having been at the other Dispatch Box in oppos...

I think the Minister may have misread noble Lords’ tone and intent. As everyone has said, there i...

My Lords, I understand entirely and accept what the noble Baroness is saying. Indeed I understand...

Can the noble Baroness particularise for us the Bills mentioned in the Queen’s Speech for the nex...

No, I cannot do that at the moment and I think it is unfair to ask me to set out the Bills that c...

I am sorry, but other than a Private Member’s Bill—I think even all the Private Member’s Bills ha...

I hear what the noble Baroness is saying, but I stick to what I said before: there may be opportu...

In view of what the Minister is saying about the measures in place to reduce cold calling, does s...

The Government take the threat of scams and the whole issue of cold calling very seriously. On th...

I feel humbled if in any sense what I was saying was taken as a criticism of the wonderful work t...

Before the noble Lord withdraws his amendment, I thank the Minister for her kind words to me. I g...

I thank the noble Earl. Of course, I take very seriously everything that noble Lords have said in...

I start by thanking all noble Lords who have spoken in this debate. I think it is true that all s...