argyrotsipi/train-dataset huggingface dataset:
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Domestic Commerce
Susan Kramer (Liberal Democrats, Centre to centre-left): My Lords, I was a member of the Parliamentary Commission on Banking Standards, which looked at the duty of care issue. In the end, the commission made the decision not to pursue the matter and to empower the FCA to take up regulation and play a role. I thought at the time that was not a good decision but the argument was very much based on the idea that the remit of the Parliamentary Commission on Banking Standards was to do with banking, and that the new banking standards body would tackle many of these culture issues, of which duty of care is obviously an inherent part. Looking at the work of that banking standards body, I do not think most of us think it has followed that direction. I do not see any significant change in pressure from the various bodies, whether applied to banks or financial institutions, to make them become much more conscious of the needs of their customers, especially vulnerable ones I have never understood why the industry has resisted this duty. Frankly, it is akin to constraints on mis-selling as behaving in the wrong way towards any individual, providing them with an inappropriate service and not giving them adequate support to understand whether that is the service they need surely falls into that mis-selling category. Expanding the powers of the FCA to allow it to provide a more general approach through the mechanism of duty of care would make the FCA’s job on issues such as mis-selling significantly easier. Therefore, I hope very much that the Government will take this on board. Frankly, the long-grass decision is very frustrating. Whenever I hear that an important piece of legislation is being postponed because we have the Brexit Bill, I begin to wonder whether we recognise appropriately the needs of the country.
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Other
Susan Kramer (Liberal Democrats, Centre to centre-left): Will it be possible for the Government to bring forward some appropriate language that achieves that when we get to Report so it becomes a locked-in proposition rather than one that has various legislative stumbles before it can be achieved?
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Domestic Commerce
John Kevin Sharkey (Liberal Democrats, Centre to centre-left): Could I try to provide a little clarity, perhaps even a partial answer? The amendment is worded so that cold calls, or the result of them, cannot be used for the benefit of claims management companies. It is not just about the cold call itself—information cannot be passed on in a way that benefits CMCs.
Financial Guidance and Claims Bill [HL] — House of Lords, 2017-09-13
Topic: Mixed Topics
Susan Kramer (Liberal Democrats, Centre to centre-left): My Lords, I intervene because it is important to stress that it is essential to ban cold calling, not give it a space. For example, those who are concerned about PPI claims can see advertising on the television. That is not cold calling or a sort of personal assault on your letterbox or your phone, whether by call, messaging or email. It is the personalised cold call that arrives. Often it is content that is intimidating and unless every phone call is recorded and checked there is absolutely no way to make sure it is not intimidating. It is the number of these things. If, for example, you say, "You can send five texts to every individual", you will simply have a much greater group of people all sending five texts. It becomes almost impossible to manage unless you go for the ban strategy There are many ways to communicate. For example, I look at the way the FCA is now communicating with the general public over PPI. It has some excellent ads on television making it clear that there is a free way to call. It provides a phone number and a website. The whole process is easy. We would all be offended if the FCA now started cold calling individuals across the country, even to provide a free service. It is an invasion of private space. We have to protect private space, and cold calling is a mechanism which violates it. I hope that, in the interests of making sure people remain informed about the options available to them, we do not require them to give up control of that private space.
Civil Procedure (Amendment) Rules 2017 — House of Lords, 2017-09-13
Topic: Other
Jonathan Marks (Liberal Democrats, Centre to centre-left): My Lords, I should perhaps make it clear that I deliberately refrained from referring to that case because it is sub judice, a judgment not having been given. So I have not referred to it and have not dealt with it. I take no issue with the noble and learned Lord so doing, because this is a case about delegated legislation but, nevertheless, I did not do so.
Civil Procedure (Amendment) Rules 2017 — House of Lords, 2017-09-13
Topic: Mixed Topics
Jonathan Marks (Liberal Democrats, Centre to centre-left): My Lords, I am very grateful to everyone who has spoken, particularly of course to those many noble Lords who have spoken in favour of my regret Motion. I will be very brief in closing, but will address the point made just now by the Minister and by the noble and learned Lord, Lord Brown of Eaton-under-Heywood. They both mentioned —indeed the Minister relied upon—the High Court challenge to the legality of these regulations. This Motion is a parliamentary Motion and entirely independent of the High Court proceedings. If the High Court challenge succeeds, that will be the end of the matter and the rules will be quashed. The question in that case is whether the then Lord Chancellor could lawfully make the new rules; the question for this House is whether she should have made the rules or whether they offend against the principles which I mentioned at the outset The central point in this regret Motion is that the new rules reduce costs protection, for precisely the reason set out by the noble Lord, Lord Pannick. Costs protection comes from having the confidence that when you go into a case and have a costs protection order, you will be limited in your liability to £5,000 for individuals or £10,000 for organisations. It is the claimant’s costs protection that is important in these cases. I invite noble Lords to remember that very often this is public interest litigation, where concerned individuals and concerned organisations—not all large, some of them small, often charities—go into litigation not for a personal interest but because they want to secure the public interest. Why would they go into that litigation with the risk that they are going to have their exposure radically increased during the case? I do not accept the Minister’s interpretation of the arguments that were put in the current challenge on the circumstances in which a limitation can be removed—that is not in the rules and we have not had the judgment This is the kind of litigation that we are concerned with. Costs protection is a very important part of it and was the Government’s response in 2013 to the Aarhus convention. This is what is necessary to comply with it, in terms of the politics of this House making sure that costs are not prohibitively expensive. I have heard nothing that persuades me to withdraw my regret Motion and I wish to test the opinion of the House.
Higher Education and Research Bill — House of Lords, 2017-03-13
Topic: Mixed Topics
Qurban Hussain (Liberal Democrats, Centre to centre-left): My Lords, I also support the amendment. In doing so, I declare an interest as vice-chairman of the recently set up APPG on Islamic Finance. As we all know from the 2011 census, it is recognised that more than 2 million Muslims live in this country and many of them would like sharia-compliant finances. Many of us must make compromises when such finances are not available and take interest-based finances. Particularly with student finances, where a scheme has in many ways already been agreed to go ahead, it is beyond my understanding why it has taken so long for the Government to complete the legislative process for it to be introduced The case for the amendment was made very well by my noble friend Lord Sharkey, the noble Lord, Lord Sheikh, and the noble Baroness, Lady Cohen. I add only that when this sharia-supported Takaful scheme is introduced we need to make sure that it is available easily and to all Muslim and non-Muslim students who want to benefit from it. I am mindful of one other thing and ask the Government to bear it in mind: that the scheme does not become more expensive to students in any way. I have seen in some countries zero-interest-based finances which, in the small print, have built in various administration and handling charges and fees. At the end of the day, they become more or just as expensive as the interest-based schemes. I hope that the Government will at least make sure that this scheme does not become more expensive to students. With that, I urge the Government to complete the legislative process as quickly as possible to make the scheme available to students by the beginning of the next academic year, in 2018.
Higher Education and Research Bill — House of Lords, 2017-03-13
Topic: Domestic Commerce
Richard Newby (Liberal Democrats, Centre to centre-left): My Lords, briefly, I support this amendment. I declare my interest as a vice-chair of the All-Party Parliamentary Group on Islamic Finance. I want simply to ask the Minister to reflect on what his colleague, the noble Baroness, Lady Goldie, said in Committee as to why the Government could not give a timescale for this. She said: "This careful, sensitive and important work cannot be rushed towards a deadline that is simply chosen and written into legislation. Our timeframes must be grounded in the realities of the work necessary to deliver a workable system".—[Official Report, 25/1/17; col. 171.] What are these realities which mean that not only is there inordinate delay but we do not even know how long the delay is likely to be? As we have heard, this is a relatively modest proposal. There is a lot of expertise which would enable it to take place. Can the Minister assure us that the real reason for the delay is not simply that there is such a shortage of staff in the relevant departments and so many other priorities, not least with Brexit, that the Government are not prepared to put Civil Service resources into getting this scheme off the ground If you were in a Muslim community it would be very easy to believe that the Government were not taking their commitments seriously in this respect because there is so little action to show. If the Minister is not prepared today to give a firm date for when the Government expect the scheme to be introduced, will he at least give his support to my noble friend Lord Sharkey’s amendment, which would bring some degree of limited certainty into the process?
Higher Education and Research Bill — House of Lords, 2017-03-13
Topic: Immigration
Sally Rachel Hamwee (Liberal Democrats, Centre to centre-left): My Lords, having checked with my noble friend Lady Garden, I can say from these Benches that we support this amendment. The Minister referred at the last stage to keeping the issue under active review. I was going to ask what that meant and whether there had been any activation since The noble Lord, Lord Dubs, has to be optimistic. We all do, because it would be very depressing if one could not be optimistic on this subject; one would so rapidly go downhill on it. He referred to the situation as an anomaly. Indeed it is, as well as being intrinsically important. Only very small numbers of people must be affected by this, given the numbers who have humanitarian protection and those who might seek university education. I am quite puzzled as to what three years’ residence proves and what relevance it should have to an entitlement to that education or the ability to profit from a course As so often when we talk about higher education, the Bill has been a basis for our referring to the soft power of international links through higher education and so on, and to the contribution to the UK’s economy as a result of people benefiting from higher education. This cohort of people would contribute to the UK in just the same way as a result of it, and be one of those further links in good international relations. I am very glad that the noble Lord, Lord Dubs, has brought the matter back, and I look forward to some good news.
Higher Education and Research Bill — House of Lords, 2017-03-13
Topic: Civil Rights
Susan Garden (Liberal Democrats, Centre to centre-left): My Lords, I added my name to this amendment and spoke to it in previous stages of the Bill. I will be brief; in any event, the noble Baroness, Lady Deech, set out a comprehensive argument as to why this is so important. Who would have thought that it was important in this country to champion freedom of speech? Sadly, obviously that has become necessary. We are living in strange times. We have heard tales of students closing down free speech, and universities have taken remarkably little action over some issues when freedom of speech should have been protected It is difficult. There are obviously grey areas between what is lawful and what is not. As the noble Baroness said, we must not in any way encourage hate speech or incitement to violence but university students should be subject to ideas they find uncomfortable and be in a safe place where they can address them without those ideas immediately being shut down. This amendment also includes students unions, so it should help activities and events organised by students to make quite sure that they too encourage freedom of speech. It is a precious and valued part of our national life, and it is currently under threat. This amendment would add powers to ensure that we preserve it.
Higher Education and Research Bill — House of Lords, 2017-03-13
Topic: Civil Rights
Sally Rachel Hamwee (Liberal Democrats, Centre to centre-left): My Lords, my name is on this amendment as well. As the noble Lord said, this is a modest amendment, seeking only a review as set out in the amendment—although of course, if the Government were to tell your Lordships that they are about to announce an independent reviewer of the whole of Prevent, as David Anderson and others have called for, I do not suppose the noble Lord would object to that The UN special rapporteur on the rights to freedom of peaceful assembly and of association is among those who has commented on the operation of Prevent in educational institutions. With other members of the Joint Committee on Human Rights, I met the special rapporteur. It is quite a facer to be in a meeting with someone in that position and be told that your own country is not behaving quite as it should and quite as the UN rapporteur thinks it should, given that we are so used to criticising other countries in human rights areas I do not want to repeat everything that has been said on this and other occasions; I appreciate we have other things to get through tonight. However, it seems to me that universities are precisely the places not just where views which are not illegal by definition should be challenged, but where there should be the opportunity for those who are confused, interested or whatever, to hear, to listen and to join in the debate. Prevent cannot work without confidence and trust in its reliability and its effectiveness. For these reasons, the proposal to review its operation is entirely sensible.
European Union (Notification of Withdrawal) Bill — House of Lords, 2017-03-13
Topic: Other
Jonathan Oates (Liberal Democrats, Centre to centre-left): My Lords, I thank all noble Lords who have taken part in this debate. I pay tribute to the noble Lord, Lord Cormack, for his principled advocacy on this issue, but I must confess I cannot follow the constitutional argument that he and other noble Lords have made that somehow we cannot insist to the elected House. I could understand it if this House never insisted, or if the noble Lord, Lord Cormack, never voted to insist against the will of the elected House, but he knows that is not the case. I wonder why on this issue of such vital importance to so many people we should not.
European Union (Notification of Withdrawal) Bill — House of Lords, 2017-03-13
Topic: Other
Jonathan Oates (Liberal Democrats, Centre to centre-left): The noble Baroness’s argument makes no sense at all. She has voted in many Divisions insisting on amendments when she knew they had no chance of success. It turns out that many of the amendments she voted for in the past to insist to the Commons when it was not going to give in were more important than this amendment. I am sorry about that and bewildered by it I hope that noble Lords of all parties and none will on this occasion pay attention to their conscience rather than their party Whip and join us in the Division Lobby. In view of the importance of this issue to millions of EU and UK citizens, I would like to test the opinion of the House.
Higher Education and Research Bill — House of Lords, 2017-03-06
Topic: Mixed Topics
Michael John Storey (Liberal Democrats, Centre to centre-left): My Lords, I want to speak briefly to my amendment on mental health and also support the comments that have been made on young people with dyslexia or disabilities. I preface my remarks by reminding us all how much progress has been made on mental health over the past decade or so. In fact, this Government, like the previous one, recognise the issue and have done an incredible amount of work We have had various debates on this, and I am sure that all noble Lords who have declared an interest as a chancellor would want to ensure that when young people go to their universities, they are given all the support that they need. For many young people, it is a huge step to go to university. You would therefore expect that while they are away at university, that support would be there for them. In schools, teachers are in loco parentis. Of course, it is young adults who attend university, but many of them still need the support that they would get at home. As parents, therefore, we would be devastated if that support was not available when there was a mental health problem. This simple amendment to say that mental health support should be available and that students should know of it is therefore vital Many universities provide incredible support and do stunning work for young people. However, there are many that do not. In Committee, I gave a personal example of a family friend with two girls at two separate universities. Their father very suddenly and tragically died. One university gave no support at all to that young girl, who was going through anguish and mental trauma—she was not even seen by her personal tutor. The other university could not do enough to help. That is the reason for this amendment: we must make sure that that support is there for all students and it is not just left to the university itself Of course this is not just about students, it is about the staff as well. We put great pressure on the people working in higher education and, therefore, support for them should be in place. Perhaps personal tutors could be trained to identify when there are mental health problems and are able to advise the student where to go. So I hope that, in his reply, the Minister will make some positive sounds about this important issue.
Higher Education and Research Bill — House of Lords, 2017-03-06
Topic: Civil Rights
James Wallace (Liberal Democrats, Centre to centre-left): My Lords, I thank the Minister and the Government for Amendment 14 and their positive response to this issue, which I raised in Committee. I welcome the opportunity to have the pertinent information regarding degree classifications attained by students. Amendments 16 and 18 to Clause 10 seek to extend the groups for which we are seeking transparency. At the moment, the information which can be requested relates solely to the gender of individuals, their ethnicity and socioeconomic background. While not going back into the arguments we had in Committee about whether universities were public sector bodies or not, they are nevertheless subject to the public sector equality duty imposed by the Equality Act 2010. Amendment 18 would import into the Bill the protected characteristics of race, sex, disability, age and sexual orientation, in addition to the ones which are already there. Although higher education institutions are obliged to undertake these duties, to omit them may give a wrong signal and mean that we do not get the right kind of information if particular groups are falling behind or their participation rates are not as high.
Higher Education and Research Bill — House of Lords, 2017-03-06
Topic: Other
George Willis (Liberal Democrats, Centre to centre-left): I wish to clarify an issue. When the Minister introduced this group of amendments, he said that he would ask for Amendments 15, 16 and 17 to be spoken to before he replied. Does that mean that we cannot speak to the rest of the amendments? I have other amendments in this group.
Higher Education and Research Bill — House of Lords, 2017-03-06
Topic: Civil Rights
Susan Garden (Liberal Democrats, Centre to centre-left): My Lords, I have added my name to this amendment and congratulate the noble Baroness on her appointment to Somerville—that is great. As she explained, the amendment would ensure that all eligible students are provided with an opportunity to opt in to the electoral register for the location in which they are studying The introduction of individual electoral registration—IER—is a huge change in how elections operate in the UK. It helps the accuracy of the register and helps to counter fraud. So we support IER but want to ensure that it is implemented in the right way. Often when someone is moving house, registering to vote can be a low priority. Many people realise that they did not get around to registering only at election time, when it is already too late. Analysis from the Electoral Commission has shown that areas with a high concentration of certain demographics—students, private renters and especially young adults, who move regularly—are in particular danger of having low registration numbers. It is therefore important that special care is taken to prevent at-risk groups failing to register and failing to have their say at an election. It is particularly important that young people at university should have every encouragement to engage with democracy and the political process as early as possible. We need the engagement of young people to ensure the survival of democracy As the noble Baroness, Lady Royall, said, many universities already do this. The amendment would mean that all would be involved. It would go a long way to helping students to be aware of the need to register and help them to do so quickly and easily. I fully support the amendment.
Brexit: Triggering Article 50 — House of Lords, 2017-03-29
Topic: Immigration
Sarah Ludford (Liberal Democrats, Centre to centre-left): My Lords, the Statement repeats the mantra that we are going to "take back control", but the Brexit Secretary, Mr Davis, expects the Government to use this control to continue with a large volume of EU migration. The Statement admits that the consequence of breaking the manifesto pledge to stay in the single market will mean UK companies having to abide by rules over which we have no influence. If we lose the right to the single market, including free movement for British citizens, at the price of less control and a series of betrayals, how is that a gain?