argyrotsipi/train-dataset huggingface dataset:
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Mixed Topics
David James Fletcher Hunt (Conservative, Centre-right): My Lords, I am grateful to all those colleagues who participated in this debate. I always want the noble Earl, Lord Kinnoull, to participate in debates in which I have spoken because he supplies all the information which I lack. His statistics were staggering and worrying, and once again an indication that something has to be done. I am also very grateful to my noble friends Lord Trenchard and Lady Altmann. I would just say to the noble Lord, Lord Stevenson of Balmacara, that his story will follow us for a long time to come. It is the sort of nightmare from which fresh and better laws are born. We must find ways of ensuring that genuine claims are dealt with properly. ABTA would say that it has now set up this free service which will deal promptly and well with that sort of situation. No doubt the Minister is overwhelmed by the Cross-Bench, Liberal Democrat, Conservative and Opposition support that has come today for the amendments I have had the honour to table. I detect that there is already a willingness on his part to find a solution, which is why, in anticipation of the many meetings we will hold between now and Report, I so readily beg leave to withdraw the amendment.
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Domestic Commerce
Hugh Trenchard (Conservative, Centre-right): My Lords, I too express support for both the amendment proposed by the noble Lord, Lord Sharkey, and that proposed by my noble friend Lady Altmann, supported by the noble Earl, Lord Kinnoull. I ask my noble friend the Minister to consider both amendments sympathetically. I expect that she is likely to say that she agrees with the amendments in principle but that this is not the time or the place for such a measure. However, surely it would be popular with the public to introduce a complete ban on unsolicited cold calling across a broad range of activities The Law Society and the ABI have both called for a crack-down on nuisance calling of all kinds. ABTA has also suggested that the Bill provides an opportunity to introduce an outright ban. As noble Lords are aware, solicitors, who are more tightly regulated than CMCs, are already banned from making unsolicited calls What I find particularly annoying is that if you answer your phone when you are overseas, you have to pay. I get so angry when this happens to me that I am sometimes more likely to start a conversation with the cold caller than I am to just hang up, which would obviously be the sensible thing to do. I say, "Do you know it’s three in the morning and I’m in Japan, and this is costing me money?", but I find that the cold callers are not a very nice type of person in general and they are not sympathetic. My noble friend Lady Altmann mentioned that every year there are 51 million cold calls in respect of personal injury claims. In that case I am getting many more than my share, because I get about one a week It is a difficult area because, as noble Lords have pointed out in earlier debates, the FCA is not necessarily the most sympathetic regulator, and I agree with the noble Earl that we should look more closely at equivalent regulators in other countries. I had the privilege of serving under the noble Lord, Lord Burns, on the Joint Committee on Financial Services and Markets in 1999, which set up the FSA. We talked at great length about getting the balance right between protecting the industry and protecting the interests of the consumer. We did not necessarily get it right in the sense that the culture needs to evolve in a direction which is more sympathetic to the consumer.
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Domestic Commerce
Tina Stowell (Conservative, Centre-right): My Lords, I am sorry that I was not in the Chamber earlier to hear my noble friend Lord Hunt of Wirral make his contributions on earlier amendments on a similar theme. I should declare that I have recently become a member of the board of ABTA I know that the explosion of claims for holiday sickness has been mentioned already, and I am grateful to the noble Lord, Lord Sharkey, and my noble friend for highlighting the way in which cold calling is encouraging people to commit fraud. However, we need to recognise that in encouraging this kind of fraudulent behaviour—which, in itself, is very bad for all the obvious reasons—false holiday sickness claims are also affecting our reputation abroad. We might like to make fun sometimes about the Germans and their towels, but we Brits are now gaining a reputation not only for having dicky tummies and not being able to weather the food overseas but, much worse than that, as a nation of people who are now willing to commit fraud This goes more broadly than the narrow way in which we are debating it today, and I want to lend my support in principle to the efforts to tackle a growing and serious problem.
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Domestic Commerce
Peta Buscombe (Conservative, Centre-right): I am trying to make the point that the transfer of claims management company regulation to the FCA will result, we believe, in tougher regulation and should reduce the number of unsolicited calls made by CMCs. What I am really saying is: can we please give the FCA a chance? While there are already measures in place to tackle unsolicited calls, enforced by the Information Commissioner’s Office, unfortunately there is a minority of disreputable companies which flout the law. The ICO will take enforcement action where appropriate; as I have said, in 2016-17 it did so against 23 companies. We need to improve on this and we hope this will happen through tougher regulation I hope I have explained the difference between cold calling for CMCs and cold calling for pensions, which we are taking action on. I think my noble friend Lord Deben was suggesting, as indeed were other noble Lords, that we should have a wholesale ban on cold calling, but one has to be really careful what one wishes for. This point about access to justice is very important. Clearly, there are different routes to making unsolicited approaches. If we had a wholesale ban on cold calling, what would political parties do?
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Mixed Topics
Peta Buscombe (Conservative, Centre-right): I think I have just tried to explain that one of the reasons for transferring the regulatory role to the FCA is to take this forward through good regulation in the hope that it will work. As I was trying to say, we have to be careful what we wish for in terms of access to justice through the means of people being able to receive calls, which we can call unsolicited—such as those made by political parties. That is part of a wholesale ban on cold calling, which noble Lords have referred to.
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Domestic Commerce
Peta Buscombe (Conservative, Centre-right): I thank my noble friend for his further response To respond to my noble friend Lord Trenchard’s question about whether SMS, email and letters are all cold calling, this is an important point and I confirm that we differentiate between them. Cold calling is the solicitation of business from potential customers who have had no prior contact with the salesperson conducting the call, while unsolicited direct marketing is communication by any means, including email and text, of marketing and advertising material. We genuinely believe that the existing measures I have set out, alongside the new FCA regime, should help tackle CMCs conducting unsolicited direct marketing. I know there is a very strong feeling across the Committee, and we take this on board, but, for the reasons I have set out, the Government do not believe that the amendment is necessary. I hope that the noble Lord will withdraw his amendment.
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Domestic Commerce
George Young (Conservative, Centre-right): My Lords, Amendments 74 and 76, tabled by the noble Earl, Lord Kinnoull, seek to extend Part 2 to Scotland. I am grateful to him for the way he set out the case for this extension. The Government carefully considered the scope of claims management regulation during the development of this policy. The current framework for claims management regulation, set out in the Compensation Act 2006, limits the extent of claims management regulation to England and Wales only and this will remain the case as we transfer regulation to the FCA. The matter is currently reserved, so we cannot simply make regulations to devolve the matter to the Scottish Government In reaching this decision, the Government had a dialogue with the Scottish Government to establish their view. Their view, as outlined in correspondence from the Scottish Business Minister, was that there is limited evidence of malpractice by CMCs in Scotland, and they concluded that extending the scope of claims management regulation would be unnecessary and disproportionate. That view is clearly challenged, and is about to be challenged again.
Higher Education and Research Bill — House of Lords, 2017-03-13
Topic: Domestic Commerce
Matthew Carrington (Conservative, Centre-right): My Lords, I had not intended to speak in this debate but I have been encouraged to do so. First, I remind your Lordships of my interests as declared in the register: I am chairman of a sharia-compliant bank in London and therefore have some knowledge of the problems, but I have also spent my professional lifetime in sharia banking I encourage the Government to move ahead as rapidly as possible in providing these loans. Clearly, there are no real problems in doing so from a sharia point of view. All those problems are well understood and are easily addressed by conventional techniques in sharia banking. There are problems, however, in the way that the Bank of England treats those types of loans and in the way that the Treasury looks at them. I suggest that the Government really need to move ahead to resolve those issues as quickly as possible because the benefit to the Muslim community of providing these types of loans outweighs any difficulties I can see that the Government could face.
Higher Education and Research Bill — House of Lords, 2017-03-13
Topic: Domestic Commerce
George Young (Conservative, Centre-right): Perversely, the noble Lord’s amendment would prevent the Government making any changes to the loan agreement that would favour the borrower. In other words, one of the effects of the amendment would be that we would not be able to alter the terms to the advantage of the borrower if the situation changed.
Higher Education and Research Bill — House of Lords, 2017-03-13
Topic: Mixed Topics
Patrick Cormack (Conservative, Centre-right): My Lords, I support the amendment moved so ably by the noble Lord, Lord Hannay. I was not able to speak to his amendment in Committee, but I supported a similar one moved by my noble friend Lord Lucas. We have an ideal amendment before the House tonight. I declare an interest as a senior associate member for over 20 years of St Anthony’s College, Oxford. It is a wonderful example of an international postgraduate college, bringing in people from all over the world, many of whom go back to their native countries to occupy positions of influence and leadership. We must do nothing to deter that If we want evidence of the fragile state of feeling in our universities and academic circles, we need do no more than pick up this morning’s Times in which there is a letter signed by the vice-chancellor of Oxford University and the heads of 35 colleges. You may say—and you may be right—that some of their fears are exaggerated and misplaced. I sincerely hope they are, but they are nevertheless real. Anything that we can do, at this difficult stage, to reinforce confidence in academic circles must be helpful I do not doubt for a moment what my noble friend Lord Younger has often said. I have a high regard for him: he is a man of utter probity and integrity. However, it is not good enough repeatedly to say that there is no bar on students—that they can come as often and in as many numbers as they like—but then say, as other Ministers do, "But of course we have to look at immigration figures". Those coming to this country as students conflate those two statements and believe that there is a risk. This evening, we can, to coin a phrase, prove at a stroke that there is not a risk by saying that they will be separately counted and not part of the overall figures. We should do no less. I very much hope that we will pass the amendment tonight and indicate to those in another place that we would like them to examine it. I am sure that the noble Lord, Lord Hannay, does not claim any exclusive rights to the wording of his amendment but we want to see something, in one form or another, that echoes it to be incorporated in the Bill before it becomes an Act of Parliament.
Higher Education and Research Bill — House of Lords, 2017-03-13
Topic: Mixed Topics
Alexander Scrymgeour (Conservative, Centre-right): My Lords, as has been said, Amendment 150 would serve to redress a number of unsatisfactory outcomes. These already threaten to undermine our economic competitiveness, skills, trade, exports; then soft power deriving around the world from our usual reputation for welcome and fair-mindedness. However, adjusting, through this amendment, is perhaps all the more fitting, remaining as we do within the Council of Europe of 47 states, within which affiliation, through good practice such as this amendment promotes, we can therefore continue to assist balance, democracy and common sense.
European Union (Notification of Withdrawal) Bill — House of Lords, 2017-03-13
Topic: Mixed Topics
Patrick Cormack (Conservative, Centre-right): The noble and learned Lord knows that I agree with much of what he is saying but that is not the issue tonight. The issue tonight is whether we recognise our constitutional limitations and whether we fly in the face of what the Commons, having been given the opportunity to reconsider, has now decided emphatically. As a great constitutionalist, which the noble and learned Lord is, I hope he will agree with that.
European Union (Notification of Withdrawal) Bill — House of Lords, 2017-03-13
Topic: Other
Douglas Hogg (Conservative, Centre-right): My Lords, may I very briefly intervene? As your Lordships know, I voted for the amendments in Committee. However, for the reasons advanced by my noble friends Lord Bowness and Lord Cormack, and indeed by the noble Lord, Lord Hannay, I shall not be supporting this Motion. I think that the time has come to accept the view of the House of Commons.
European Union (Notification of Withdrawal) Bill — House of Lords, 2017-03-13
Topic: Mixed Topics
James Bridges (Conservative, Centre-right): My Lords, I thank those who have contributed to this short debate. Once again, many of your Lordships have spoken with great passion. After so many hours of debate, I fear that there is very little that I can say without repeating myself and travelling over well-worn ground, so I will be quick and brief I reiterate the point that the Government’s position on this issue is very clear: we want to secure the status of EU citizens in the UK, just so long as we can do so while guaranteeing the position of UK citizens to whom we have a responsibility across the European Union. We cannot and should not seek to do one without the other. All 4 million people matter As to assurances given to EU nationals here today, let me repeat what I said previously: nothing changes in their status until we have left the EU. Nothing can change without the approval of Parliament, and the Government will continue to respect their obligations under the ECHR. This position is held by the Government and now by the other place. I remind your Lordships of what our European partners are saying. Many of them have made it clear that they, too, want a speedy agreement, but once we have started the negotiations. Indeed, the Polish Prime Minister has said: "Of course, these guarantees would need to be reciprocal. It is also important what guarantees the British citizens living and working in other member states of the European Union will have" We need an agreement on this issue as soon as possible and I believe that we are in a good position to do just that. Just last Friday, Guy Verhofstadt, the lead negotiator for the European Parliament, told the BBC that the issue of EU citizens’ rights post exit should be addressed, "before we talk about anything else" On the matters raised by the noble Lords, Lord Davies and Lord Campbell-Savours, I want to highlight the words of my right honourable friend the Secretary of State, who said on this subject earlier today in the other place that the Government would aim to get all member states, the Commission and the Council in an exchange of letters to explain what the rights of EU citizens are and will be once the UK has left the EU and once an agreement has been reached in negotiations. As regards the process of ratification of such an agreement, this is a matter for negotiation, but it is the Government’s intention to have this agreement concluded by the end of the two years Our commitment to seeking an agreement is clear, but the Government will not be able to set about securing this reciprocal guarantee until we have passed this Bill and triggered Article 50. I urge your Lordships to let this Bill go through unamended and not to prolong its passing, so that the Prime Minister can trigger Article 50 and seek the certainty that we all want to offer both European and UK citizens.
European Union (Notification of Withdrawal) Bill — House of Lords, 2017-03-13
Topic: Mixed Topics
Patrick Cormack (Conservative, Centre-right): Perhaps I can answer the noble Lord. Yes, we agree on the fundamentals of the issue, but this is a constitutional matter. What is the point of prolonging a time-sensitive Bill, on which the fortunes of so many ultimately depend, merely to have the satisfaction of being soundly beaten in the Lobbies?
European Union (Notification of Withdrawal) Bill — House of Lords, 2017-03-13
Topic: Other
James Bridges (Conservative, Centre-right): I am sorry to say to the noble Lord that I am genuinely puzzled by his position. He went on national television and said that he would obey the decision of the British people and now he is trying to get away from those comments. That is what I think will baffle many people. We have made the Government’s position very clear: when an agreement has been reached, we will give this House and the other place the chance to vote on it. That is the Government’s position. I urge noble Lords not to insist on the amendment and I beg to move Motion B. Motion B1 (as an amendment to Motion B)
Higher Education and Research Bill — House of Lords, 2017-03-06
Topic: Other
Rodney Elton (Conservative, Centre-right): My Lords, I hope your Lordships will forgive a single intervention in this whole long procedure, as I should not wish it to be thought that there were no friends of the amendment on this side of the House. The opening speech by the noble Lord, Lord Lipsey, about the direction in which this leads reminds me immediately of the two departments in the Government of Nineteen Eighty-Four: the Ministry of Truth and the Ministry of Peace. We do not want to start on that path.
Sky and 21st Century Fox: Proposed Merger — House of Lords, 2017-03-06
Topic: Domestic Commerce
Richard Keen (Conservative, Centre-right): It respectfully appears to me that the reason that we may have had the same issue for the past 14 years is that it reflects the appropriate approach to take to these matters, rather than the straitjacket of some framework, as the noble Lord proposes. It may be that we differ on that point I come to the second matter of a fit and proper person. Of course, the fit and proper person test is applied by Ofcom in the context of a broadcasting licence, but we recognise that in looking to behaviour, which is relevant to this question, it would be appropriate to take into account fitness and past behaviour. Whether it is appropriate to adopt a test developed for the Financial Conduct Authority is another matter entirely, but it is clearly open to Ofcom, when approaching this matter, to have regard to how other regulatory bodies consider the questions of fitness and behaviour In a sense, the Financial Conduct Authority test is not peculiar to financial services: it reflects what most reasonable people would regard as the relevant litmus test to determine whether somebody is fit and proper for any post, let alone to control a broadcasting medium.
Sky and 21st Century Fox: Proposed Merger — House of Lords, 2017-03-06
Topic: Civil Rights
John Gummer (Conservative, Centre-right): I thank my noble and learned friend for the Statement. I raise again a point made by the noble Lord, Lord McNally. He pointed to the concern that one has when people say, "There are lots of other ways in which news is disseminated", and therefore the comparison between one television channel and another is perhaps no longer as important as it once was. His point about it being an exemplar—although each case is judged on its own merits and never are other cases not referred to, at least in the mind of those making the decisions—was important It is also true that anyone who travels the world to those places where the media have become less and less plural realises the damage that that does to the free society. I hope that my noble and learned friend will pass on to his right honourable friend the concern of many of us that free speech and the free communication of ideas depend on multiplicity and plurality. If ever there were a case in which that has to be defended, it is this case.
Sky and 21st Century Fox: Proposed Merger — House of Lords, 2017-03-06
Topic: Domestic Commerce
Richard Keen (Conservative, Centre-right): I am obliged to my noble friend Lord Deben. Of course, a vibrant free press and a plurality of press sources is a fundamental part of any democratic society. That is why the Enterprise Act provisions exist: to ensure that public interest considerations can be taken into account when looking at media mergers.