argyrotsipi/train-dataset huggingface dataset:
Creditworthiness Assessment Bill [HL] — House of Lords, 2018-05-11
Topic: Mixed Topics
Meghnad Desai (Labour, Centre-left): My Lords, I did not speak in the Second Reading debate but I add my support to the Bill sponsored by the noble Lord, Lord Bird, and speak against the amendment. The Second Reading debate showed that several things were being put together and confused. The Bill’s purpose is simple. Obviously the problem is that the poor do not get access to credit, or they do at very high interest rates. That is not the problem that would be solved here. There is also the problem that lots of people are in arrears. If they are they will have a low credit rating. That is often as true for owners. That is not a problem The virtue of the Bill is to say that if people are behaving like regular, honest payers of their debt on time they ought to get some sort of compensation or reward for that. If people are paying rent regularly they should be treated on par with those who pay their mortgage regularly. It is such a simple idea that I do not know why people are upset about it. For one thing, the cost of recording payments is much lower than it used to be because they are completely automatic. If we can tell the FCA to persuade people to get into a blockchain system that would be a very efficient way of recording payments, both on the part of the landlord who receives it and the tenant who pays it. It would be very easy to build up a databank of regular payments. From there we could easily get on to some sort of financial app that will give them the credit they deserve If we keep the Bill to this particularly narrow but very useful aim we should be very happy to support it. It is required that we do not treat two groups of virtuous people unequally. Those who pay their mortgage on time and those who pay their rent on time should be treated equally because they are both behaving honestly.
Creditworthiness Assessment Bill [HL] — House of Lords, 2018-05-11
Topic: Domestic Commerce
Peter Hain (Labour, Centre-left): My Lords, the noble Baroness’s point about credit unions is vital. On my way to London early on a Monday morning, I often see people near Neath station queuing outside their credit union. For them, it is a lifeline.
Creditworthiness Assessment Bill [HL] — House of Lords, 2018-05-11
Topic: Other
Bryan Davies (Labour, Centre-left): My Lords, I indicated at Second Reading that Her Majesty’s Opposition were very much in favour of this Bill. In a debate in Westminster Hall, the shadow Finance Minister made it clear that he too was in favour of it I appreciated the way in which the noble Lord, Lord Blencathra, introduced the amendments—it was more probing than assertive. He will have recognised that representatives of almost every part of the Chamber have been against the amendments and said that the Bill should stay as it is in this crucial provision. The noble Lord, Lord Bird, is more qualified than me to respond to all these points and I shall therefore defer to him, but he must have been encouraged by the enormous support across the Chamber for his Bill as it stands.
Creditworthiness Assessment Bill [HL] — House of Lords, 2018-05-11
Topic: Domestic Commerce
Roy Kennedy (Labour, Centre-left): My Lords, I strongly support the Bill in its unamended form and do not support the amendments proposed by the noble Lord, Lord Blencathra. When the noble Lord responds to the debate, can he tell the Committee a little bit more about who the members of the Consumer Credit Association are? I do not know whether BrightHouse is a member of the CCA, but if he could tell us it would be helpful I grew up on a council estate in the 1960s and 1970s. Both my parents worked and made sure that they paid their rent—it was the first thing they ever did. My dad had two jobs to ensure that our rent and rates were paid. It is important that people who meet their financial obligations week in, week out have that taken into account when they seek credit. As the noble Lord, Lord Best, said, it is always the poor who pay more, and that is totally unfair—of course, that goes for many things in life. When I go into my local newsagent, I see people queueing up with their little fobs to get their electricity; they pay more. And there are other things—it is just unfair. What the Bill does, on which I congratulate the noble Lord, Lord Bird, is begin to make sure that, if you have a good credit record, that is taken into account properly, so that when you seek credit you can get a fair price and will not always have to pay the most.
Creditworthiness Assessment Bill [HL] — House of Lords, 2018-05-11
Topic: Domestic Commerce
Roy Kennedy (Labour, Centre-left): We often hear that financial institutions are fined for doing things wrong. I know that those fines go into the general fund and are used for various things. One good thing they could be used for would be to support the credit union movement so that it can advertise the alternatives that are around. It is not just the monetary fines, it is the fact that the punishment is advising the public to go elsewhere and that there are cheaper alternatives. Often the credit union movement cannot have adverts in the Tube and on the buses and elsewhere, and it cannot fund phone lines. It would be useful and a good way to deal with fines from financial institutions. Perhaps the Minister will take that back to his colleagues in the Treasury.
Refugees (Family Reunion) Bill [HL] — House of Lords, 2018-05-11
Topic: Immigration
Alfred Dubs (Labour, Centre-left): I am very sorry that, unavoidably, I was unable to be here for Second Reading, and I shall not make a Second Reading speech now. Obviously, I am not happy about the amendment. As for the criticisms made by the noble Lord of the Home Office, I think that the Home Office will have to sort that one out. I am not sure that any of us is really qualified to know very much about the internal workings of the Home Office, except the Minister—so she can deal with that The amendment, if passed, could have very sad consequences for a small number of people. I said to a Syrian child refugee, "What about your family?" I speak from memory, but this was roughly the situation. He said that he had a father and sibling somewhere in Turkey and a mother still in Syria. What would happen if we said to him that he should choose between those three? It would be an impossible and agonising decision. We cannot impose that on anybody. It would break the young man’s heart. How could we advise him? We could not—we could only say, "This is a desperately unfortunate situation". I am sure that the noble Lord, Lord Marlesford, does not mean it to have that consequence, but I suggest that it would. I am not happy about the amendment and hope that the House rejects it.
Refugees (Family Reunion) Bill [HL] — House of Lords, 2018-05-11
Topic: Immigration
Roy Kennedy (Labour, Centre-left): My Lords, I rise to make clear that I do not support the amendment moved by the noble Lord, Lord Marlesford. Though I like and respect the noble Lord very much, I cannot support him in his amendment today. I very much support the contribution from the noble Baroness, Lady Hamwee, who set out very carefully and clearly why the amendment should be resisted, as did all other noble Lords who have spoken, including my noble friends Lady Lister of Burtersett and Lord Dubs I would understand the speech by the noble Lord, Lord Marlesford, a bit more if this Bill were saying that any refugee granted status to stay in this country could bring family members to the UK, but it does not say that at all. It says that they may make an application. I am sure that the noble Baroness, Lady Williams of Trafford, will assure the House that when somebody makes an application to the Home Office, there are some very robust procedures in place. It is not a free for all. I am sure that she will tell the House that, as she will be very well aware of what you have to go through to get an application to enter this country. We discuss matters about the House Office almost every week in this House, and sometimes many times a day. We do not normally say that it is a free for all at the Home Office and that it is far too lenient; we often say quite the contrary about how it operates and can sometimes be very frustrated about the environment at the Home Office, which we think can sometimes be a bit harsh in how it deals with people. I am sure that the Minister will mention more on that I also very much agree with the comments of the noble Baroness, Lady Sheehan, who talked about migrants. I am very well aware that the Minister is a migrant herself; she came from Ireland as a child. I am the eldest son of a migrant; my parents also came from Ireland to find work here. I am sure that we would find that many others here are the children or grandchildren of migrants. Migrants have made a very great contribution to our country. They have done wonderful things here and made our country a much better place. I therefore do not support the amendment today, and I hope that the noble Lord will withdraw it in due course.
Refugees (Family Reunion) Bill [HL] — House of Lords, 2018-05-11
Topic: Immigration
Roy Kennedy (Labour, Centre-left): The Minister said a moment ago that the Bill would allow many thousands of people to come to the country, but all it does is to allow them to make an application. There is quite a distinction between those two things. Perhaps she could confirm that.
Automated and Electric Vehicles Bill — House of Lords, 2018-05-09
Topic: Other
Anthony Gueterbock (Labour, Centre-left): Would the noble Baroness be tempted to press the Minister to have a meeting on these issues before Report and come back with a much shorter text than Amendment 29 with the intention of covering these issues? I think that would give many noble Lords who have spoken in the debate quite a lot of comfort.
Automated and Electric Vehicles Bill — House of Lords, 2018-05-09
Topic: Other
Denis Tunnicliffe (Labour, Centre-left): I thank all noble Lords who have taken part in this debate. I shall study the Minister’s response with great care, and I look forward to possible contacts between now and Report, and will decide whether to table further amendments then. In the meantime, I beg leave to withdraw my amendment.
Renewal of G4S Contracts — House of Lords, 2018-05-09
Topic: Immigration
Roy Kennedy (Labour, Centre-left): My Lords, I thank the noble Baroness for repeating the Answer to the Urgent Question given by her honourable friend the Member for Louth and Horncastle in the other place yesterday. We were all shocked at the appalling abuse at Brook House uncovered by the "Panorama" programme. As the noble Baroness said, regardless of status, all immigration detainees must be treated with dignity and respect. I agree with that entirely. However, I do not think that a further extension of two years can in any way be presented as a short-term continuation of the G4S contract to run the Gatwick immigration centres. Can the noble Baroness tell the House whether any other options to this extension were considered—and, if not, why not? If they were, what were they, and why was it still felt that this was the best option? Further, can she tell us what measures the Home Office has put in place to ensure that there will be no repeat of the appalling abuse of detainees during this two-year extension? It is clear that whatever measures were in place before failed. The abuse was brought to light only by the "Panorama" programme and those involved should be congratulated on the work they did to expose the abuse at Brook House.
Civil Liability Bill [HL] — House of Lords, 2018-05-15
Topic: Mixed Topics
John Stephen Monks (Labour, Centre-left): My Lords, I too welcome the engagement and interest of the noble and learned Lord, Lord Woolf, in Part 1 of the Bill, which we will return to at certain points on Report. On Part 2, I am one of the nudgers mentioned by the noble Lord, Lord Sharkey, in seeking to promote the greater use of PPOs in assessing people’s compensation A large part of the compensation in serious PI cases are the costs of care. These tend to rise faster than the price index, which is all that the index-linked gilts yield approach protects against. In the PPO regime, this is allowed for explicitly by indexing care costs to an index of carers’ earnings, but this has not been carried forward into the lump sum compensation regime, although the Damages Act allows for different discount rates to be applied for different purposes. As a result, most large cases result in significant undercompensation for the claimant if they live an average lifespan The PPO is a much better method of compensation, since it goes on as long as the claimant lives. I understand that it is used by the NHS and government departments. Insurance companies, on the other hand, are highly resistant to settling by PPOs unless courts impose them. Only a small number of cases go to court; the vast majority are settled outside. Understandably, insurance companies do not want an outstanding liability which might last for many years. Regulators require them to reserve on a basis stronger than index-linked gilts for lump-sum entitlements As the amendments suggest, there is a need for regular reviews of the discount rate, as yields have fallen steadily. I hope that the Minister can respond positively to the nudging from different parts of the Committee on this important question.
Civil Liability Bill [HL] — House of Lords, 2018-05-15
Topic: Other
Jeremy Hugh Beecham (Labour, Centre-left): Yes, but if you bring your case a year or two before a review, whether it is a three-year or a five-year review, your position is not changed, is it? I just do not see the logic of the amendment, and I will not be supporting it.
Civil Liability Bill [HL] — House of Lords, 2018-05-15
Topic: Domestic Commerce
William David McKenzie (Labour, Centre-left): My Lords, I thank the Minister for that very detailed reply and all other noble Lords who have spoken in this debate. On a small point of detail, I think the noble and learned Lord referred to 80% hedge funds. I do not think that is the figure I mentioned, but even at 18% it seems surprisingly high—but there we are One outstanding issue is that of how those who are compensated actually make their investments. I draw a parallel with the pensions system. We have just spent quite a long time in this House and at the other end looking at default arrangements for people who have a pension pot and want to transfer it or cash it in on some basis. Encouragement to try to get those individuals to take advice of one sort or another is exercised quite extensively. I raised the same point in relation to people receiving compensation for injury and damages. What happens when they get the cheque? Is there any encouragement for them to get independent guidance on where they should get such advice from? That is still a bit of a mystery to me, even after the debate. I do not know whether there is anything more the Minister can say on that point. The presumption is that individuals will make their own arrangements with presumably regulated advisers. But what about those who do not? What is the process and system that encourages them to avail themselves of investment advice?
Civil Liability Bill [HL] — House of Lords, 2018-05-15
Topic: Domestic Commerce
William David McKenzie (Labour, Centre-left): I am grateful to the Minister and to the noble Lord for that education and further information. I still take away the point about where those who do not take advice end up. There is a difference between people receiving compensation for damages—where in most instances it is a one-off arrangement to last them for the rest of their life—and somebody who wins the pools and has a stash to invest, which they may do wisely or foolishly The genuine point is this: it is important to be comfortable that people will be as encouraged as they can be to take advice—I know you cannot force them—and to know that any gaps have been covered in our deliberations on the Bill. That is particularly important in this era of scammers and cold-callers. We know the impact that they can have on people’s pensions and there is a real parallel here. Having said all that, I think I have probably said enough, and I beg leave to withdraw the amendment.
Secure Tenancies (Victims of Domestic Abuse) Bill [HL] — House of Lords, 2018-03-13
Topic: Housing
Margot Aline (Labour, Centre-left): My Lords, as someone who has been heavily involved in this Bill, I should like to say a few words of thanks. I thank the Bill team and the members of the noble Lord’s private office, who have been unfailingly helpful throughout the process. I suspect that they will not be too unhappy not to be seeing my emails in their inboxes any more I thank noble Lords around the House who have been so supportive, particularly my noble friend Lord Kennedy, but also the noble Baroness, Lady Hamwee, and the noble Lord, Lord Shipley. I thank too the noble Baroness, Lady Evans of Bowes Park, whose assurances during the passage of the Housing and Planning Act eventually led to this Bill. She probably had a hand in this Bill seeing the light of day. Last but not least, I thank the Minister and, at the risk of torpedoing his ministerial career, emphasise how he has been a model of an open and engaged Minister committed to making this Bill the best that it can be I give the final word to Women’s Aid, which has been briefing us so well at every stage of the Bill. Straight after Report, Women’s Aid emailed me to thank noble Lords for the amendments made then, saying that these had really improved the Bill and ensured that this legislation can work effectively for survivors whose housing security is at risk from an abusive relationship. Thank you. I hope that we can maintain as constructive a relationship when it comes to debating the forthcoming domestic abuse Bill.
Secure Tenancies (Victims of Domestic Abuse) Bill [HL] — House of Lords, 2018-03-13
Topic: Other
Roy Kennedy (Labour, Centre-left): Before the noble Lord winds up, I should like to pay tribute to my noble friend Lady Lister of Burtersett for her hard work and determination in getting this Bill here today. I thank the noble Lord, Lord Shipley, and others for their work. I also thank the noble Lord, Lord Bourne of Aberystwyth. I always enjoy our exchanges, here and outside the Chamber. He is a very good man who is sincere in what he does and I value our conversations about his work. He played a big role in getting this Bill in. We thank him very much as well.
European Union (Withdrawal) Bill — House of Lords, 2018-04-30
Topic: Other
Bruce Joseph Grocott (Labour, Centre-left): My noble friend was not present at the time, as a number of us were, but if he is in any doubt whatever about the ultimate authority of the House of Commons, he should have been in the House of Commons in 1979—
European Union (Withdrawal) Bill — House of Lords, 2018-04-30
Topic: Other
Bruce Joseph Grocott (Labour, Centre-left): Yes, sadly, they were a Labour Government, and my vote was not enough to enable them to survive. If anyone is in any doubt whatever about the capacity of the House of Commons to do what it needs or wants to do in respect of this or any other piece of legislation, those powers exist already. It does not need any advice from us.
European Union (Withdrawal) Bill — House of Lords, 2018-04-30
Topic: Other
Bruce Joseph Grocott (Labour, Centre-left): I have never seen the word "canvas" in Erskine May—I do not know quite what my noble friend refers to. However, we know that the House of Commons can pass legislation if it wants to; it can be introduced by a Private Member’s Bill if required, although obviously not on a matter like this. Legislation can be introduced—
European Union (Withdrawal) Bill — House of Lords, 2018-04-30
Topic: Other
Janet Royall (Labour, Centre-left): Returning to the point made by the noble Lord, Lord Wallace, I thought I heard David Davis suggest in a Select Committee the other day with regard to the meaningful vote in the House of Commons that the resolution might be amendable. I would be grateful for the Minister’s comments.
European Union (Withdrawal) Bill — House of Lords, 2018-04-30
Topic: Civil Rights
Bruce Joseph Grocott (Labour, Centre-left): The noble Lord referred to an initial decision. Could he point to any phase in the passing of the referendum Bill when it was emphasised that this would be just an initial decision by the public?
European Union (Withdrawal) Bill — House of Lords, 2018-04-30
Topic: Other
Bruce Joseph Grocott (Labour, Centre-left): This is a point of clarification. The noble Lord said that it was an advisory referendum in 2016, a point often made by my noble friend Lord Foulkes. Can he answer this simple question? Is the new referendum that he is considering an advisory one or a binding one?
European Union (Withdrawal) Bill — House of Lords, 2018-04-30
Topic: Other
Dale Norman Campbell-Savours (Labour, Centre-left): Will the noble Lord answer the question asked by my noble friend Lord Grocott? I understand that he speaks for his own Front Bench and that what he says is, therefore, the formal position of his party. In the event that this referendum were to take place, would the Liberal Democrats accept its result as binding?
European Union (Withdrawal) Bill — House of Lords, 2018-04-30
Topic: Mixed Topics
Alan Thomas Howarth (Labour, Centre-left): My Lords, this amendment is reckless. It is peculiarly reckless proposed in an unelected House. It would be reckless if it were to be entertained by the elected House. The 2016 referendum generated bitter divisions in our country. To rub salt in those wounds and fan the flames of that anger by offering this option, raising hopes of a further referendum, seems to be most unwise. My noble friend Lord Adonis, in his Hitchcockian script, truly made my flesh creep The 2016 referendum exposed depths of mistrust and resentment against the political establishment and against what has broadly been the policy orthodoxy of recent decades. The appropriate response to that, surely—even if you deeply disagree with the view that was taken by the majority then, even if you consider that people were voting against their own best interests—is not to say, "You are stupid, bigoted and ignorant. You are wrong. You should think again and get it right". That is how it will be perceived.
European Union (Withdrawal) Bill — House of Lords, 2018-04-30
Topic: Mixed Topics
Bruce Joseph Grocott (Labour, Centre-left): My Lords, it may surprise people who follow anything that I say in this House—there do not need to be many—that I am not opposed in principle to a further referendum. How could I be? I was on the losing side once in a referendum vote, in 1975, and I was very keen to have a second referendum. I certainly got one, but it took 41 years. I therefore have no objection to people who say, "Things can change; circumstances can alter, and maybe we should have another referendum" But to have another referendum in two years stretches it just a little. I shall not say, "Wait till 2057", which would be a direct comparison with precedent, but it certainly needs to be much longer than two years. Anyone seriously arguing for this needs at least to be able to answer yes to one question, which is this: was that made clear when the referendum Bill was going through this House? I sat through nearly all of it—Second Reading, Committee and Report. I must have missed the speech of someone who said, "If this referendum that we all voted for"—we did; there was no opposition to the Bill at Third Reading—"results in a leave vote, we will need to have a second referendum in a couple of years’ time". Anyone who said that, please ignore the rest of my remarks—I did not hear it. I shall happily give way to my noble friend, who I know is a very reluctant remainer.