Results 1–20 of 1393 for speaker:Colin Breed

Sustainable Communities Act 2007 (Amendment) Bill: Clause 6 — Disclosure of financial assistance to the Bank of England (8 Apr 2010)

Colin Breed: I rise to support the remarks made by the hon. Member for Fareham (Mr. Hoban). At one stage, many of us thought that the Bill might never come back here at all. Considerable work has been done on it by a lot of people and it includes some important aspects for consumers, so it would have been a great shame if it had not proceeded. The provisions are reasonable given that there has been...

Sustainable Communities Act 2007 (Amendment) Bill: Clause 1 — Amendment of existing procedure in Sustainable Communities Act 2007 (8 Apr 2010)

Colin Breed: The Liberal Democrats fully support this modest but important Bill, as we supported the original Act. Twenty-six years ago, I was elected to a district council. We would not have needed such proposals then, but times have changed. In the intervening 26 years, not only has the way in which the electorate engages changed, but there has been over-centralisation of this place under both Labour...

[Mr. Eric Illsley in the Chair] — Assistance to Communities (11 Mar 2010)

Colin Breed: I entirely agree with the hon. Gentleman. One simple way of doing that would be to ensure that there is a sense of proportionality. The problem is that we sometimes have exactly the same rules for Oxfam as for a tiny organisation in a small town. We need a sense of proportionality about the way in which charities are administered and controlled.

[Mr. Eric Illsley in the Chair] — Assistance to Communities (11 Mar 2010)

Colin Breed: It is a pleasure to see you in the Chair, Mr. Illsley. During a lot of my time in this place, I have been involved in Treasury matters or debates concerning financial crises, banks and everything else, so it is a great pleasure to participate in a debate about something completely different. I have enjoyed hon. Members' contributions because they have made me think a lot more about the...

[Mr. Eric Illsley in the Chair] — Assistance to Communities (11 Mar 2010)

Colin Breed: I entirely agree. Many excellent, small charities are beavering away with relatively small sums, but if that money is suddenly withdrawn, for whatever reason, they will find things difficult. I hope that such funding will be part of the totality of any future Government policies. On the legislative side, may I mention an area that is ripe for thought and consideration? Gift Aid is a fantastic...

Ambulance Response Times (Local Reporting): Clause 32 — Resignation from the House of Lords (26 Jan 2010)

Colin Breed: Can the Minister not see that, when it comes to many other aspects of this place, and in other fields, a period of time is provided for, in respect of the so-called revolving door? We do not want the Door to the Chamber to become a revolving door.

Financial Services Bill: New Clause 14 — Store cards and consumer credit agreements (25 Jan 2010)

Colin Breed: I shall not detain the Chamber long, Mr. Speaker. The Bill was born of the need to learn lessons, and it must be said that many of those things were not spotted by the original regulatory and supervisory system. It introduces some sensible measures, most of which we can wholeheartedly support, and our work has certainly been assisted by the witness sessions. We could not support the official...

Financial Services Bill: New Clause 9 — Bank and building society accounts of retail customers (25 Jan 2010)

Colin Breed: I am delighted to hear that and look forward to hearing what the OFT has to say to demonstrate that it is going into battle again. On competition, part of the problem is that at the moment the competition, such as it is, is between three or four rather similar institutions. We want a much better and more competitive market, with some new entrants and totally different sorts of providers. At...

Financial Services Bill: New Clause 9 — Bank and building society accounts of retail customers (25 Jan 2010)

Colin Breed: Again, we have had a useful exchange and I do not want to prolong matters unduly. I have some sympathy for new clause 9, but bank charges have been a bone of contention for far longer than the past couple of years or so. As a former bank manager many years ago, I can remember charging people two guineas-that shows how long ago it was-and sometimes five guineas. There was massive...

Financial Services Bill: New Clause 9 — Bank and building society accounts of retail customers (25 Jan 2010)

Colin Breed: I agree. In a sense it has been allowed to happen because, for many decades, there was a feeling that the relationship between the account holder and the bank was one of good faith; an inherent feeling that the bank would be fair and act in good faith on the customer's behalf-perhaps even give them some good advice occasionally-and would not take people to the cleaners' every time they...

Financial Services Bill: New Clause 9 — Bank and building society accounts of retail customers (25 Jan 2010)

Colin Breed: I have been banking with what is now HSBC since 1964. It is easy for me to say that it has been good to me because I worked for it for a long time, but I know many who feel the same as the hon. Gentleman's mother. They feel not only let down, but much worse. The relationship of understanding, good faith and everything else has completely and utterly gone. As I said, people feel cheated. They...

Financial Services Bill: New Clause 8 — Short selling (25 Jan 2010)

Colin Breed: As the right hon. Member for Birkenhead (Mr. Field) suggested, we found ourselves in agreement on some of the sentiments. Some of what has gone on over recent years has highlighted a number of practices that may not have been well known or well understood, and he gave the example of the pension fund chairman. As the hon. Member for Chichester (Mr. Tyrie) said, short selling has been part of...

Financial Services Bill: New Clause 1 — No credit agreement to be enforceable if its total cost exceeds the statutory limit (25 Jan 2010)

Colin Breed: I agree entirely. The segmentation of balances and their treatment for interest and repayment purposes is not well understood. In fact, anybody who is even reasonably financially educated would find it difficult to make a precise distinction between them. A hard-nosed approach must be taken to the repayment of high-cost credit. I would like the minimum repayment rates to be increased, as well...

Financial Services Bill: New Clause 1 — No credit agreement to be enforceable if its total cost exceeds the statutory limit (25 Jan 2010)

Colin Breed: All of us would have a great deal of sympathy with what has been said over the past hour or so, because the provision of small, unsecured loans to vulnerable people or people on very low incomes has been a problem for an extremely long time. It is difficult to see how we can legislate totally for the sort of things that people sometimes knowingly get into when they have no alternative or...

Written Answers — Defence: Watan Risk Management: Contracts (20 Jan 2010)

Colin Breed: To ask the Secretary of State for Defence whether his Department (a) has and (b) has had contracts with Watan Risk Management in Afghanistan.

Written Answers — International Development: Iraq: Overseas Aid (20 Jan 2010)

Colin Breed: To ask the Secretary of State for International Development what assistance his Department is providing to the Iraqi government to increase the water flow into the Hawizeh marshes.

Bill Presented — Pedicabs Bill: Crime and Security Bill (18 Jan 2010)

Colin Breed: I agree with the right hon. Gentleman about the need for agencies to work together. In my part of the world, the police have been praised by many people for that. The problem has been getting the Crown Prosecution Service to pursue cases. The police and other agencies-and I as a Member of Parliament-have been frustrated that we cannot seem to get the CPS to take these matters seriously. It...

Public Bill Committee: Financial Services Bill: New Clause 9 (14 Jan 2010)

Colin Breed: Further to that point of order, Mr. Gale. I add my thanks to all those who have helped in this interesting debate. The Bill will be part of a suite of legislation that will be ongoing well beyond the end of this Parliament and on into the next. Those who will be charged with that responsibility will have to tackle some of the issues that we have tried to tackle, because they will come back....

Public Bill Committee: Financial Services Bill: New Clause 9 (14 Jan 2010)

Colin Breed: Does the hon. Gentleman consider the introduction of the innovative product of a 125 per cent. mortgage to be a good way of providing competition in the market?


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