Results 11681–11693 of 11693 for speaker:James Brokenshire

Public Bill Committee: Consumer Credit Bill: Clause 19 - Unfair relationships between (23 Jun 2005)

James Brokenshire: My fear is that we will lose a golden opportunity to clarify the law and provide real protections for consumers. I believe that the legislation that predated the 1974 Act included a concept of a credit agreement being unconscionable—it is difficult to pronounce, let alone understand. However, that clearly did not work, because it was replaced by the extortionate credit bargain approach in...

Public Bill Committee: Consumer Credit Bill: Clause 19 - Unfair relationships between (23 Jun 2005)

James Brokenshire: I agree with my hon. Friend. The point is that we want to be as clear as we can from the outset to give certainty to the industry, borrowers and people in tough situations who borrow money and then find out that they have signed up to things that they did not agree with. They want to have clarity when they sign up in the first place as to whether something is fair or not. They want to know...

Public Bill Committee: Consumer Credit Bill: Clause 19 - Unfair relationships between (23 Jun 2005)

James Brokenshire: On Second Reading, everyone expressed great concern about this aspect of the Bill, and some impassioned comments were made. The right hon. Member for Leeds, West made impassioned comments then, as he has done today. In response, the Minister said that he would take matters away with him and reconsider them. Amendment No. 13 drives to the heart of the matter: there needs to be clarity as to...

Public Bill Committee: Consumer Credit Bill: Clause 16 - Time orders (23 Jun 2005)

James Brokenshire: May I amplify that point? It is common in some legal agreements to include a deemed notice clause specifying that the person, be it the borrower or the other counter-party, will be deemed to have received a notice so many days after it is posted. We are concerned about the need for certainty in all of this, so that the provisions cannot be used against someone who is already in difficult...

Public Bill Committee: Consumer Credit Bill: Clause 12 - Notice of default sums (23 Jun 2005)

James Brokenshire: I have a question about clause 12. Subsection (8) states: ''This section does not apply in relation to a non-commercial agreements or to a small agreement.'' The Minister clarified the reference to a small agreement this morning, but a non-commercial agreement is defined in sections 1, 8 and 9 of the Consumer Credit Act 1974 as meaning a consumer credit agreement or consumer hire agreement...

Public Bill Committee: Consumer Credit Bill: Clause 9 - Notice of sums in arrears under fixed-sum credit agreements etc. (23 Jun 2005)

James Brokenshire: Talking about research, I was looking at some literature on this matter from the Consumer Credit Association. I respect what the Minister says about the need to   alert people when they are in arrears, so that an alarm bell is rung, they can get debt counselling, and steps can be taken at an early stage. The key question is whether the Bill sets out the right way and the right time to do...

Public Bill Committee: Consumer Credit Bill: Clause 6 - Statements to be provided in relation to fixed-sum credit agreements (23 Jun 2005)

James Brokenshire: Proposed new section 77A states that it does not apply to “a small agreement”. That term refers back to the Consumer Credit Act 1974. The original sum was £30, although I suspect that it has increased. I ask the Minister to provide clarification on what is meant by “a small agreement”, especially in light of the rightful concerns raised in this discussion about protection for...

Public Bill Committee: Consumer Credit Bill: Clause 3 - Exemption relating to high net worth debtors and hirers (23 Jun 2005)

James Brokenshire: The regime that is being created with respect to high net worth debtors, or high net worth individuals, is, as far as I can see, quite similar to provisions in the Financial Services and Markets Act 2000 about what is meant by financial promotion and agreements where it would be sensible for a sophisticated investor to be excluded. As to what the Minister said about thresholds, some...

Oral Answers to Questions — Foreign and Commonwealth Affairs: Middle East (21 Jun 2005)

James Brokenshire: The Foreign Secretary referred to the threat to the peace process from terrorist organisations. The Government have sanctioned some discussions with Hamas in the recent past. Will the right hon. Gentleman comment on that and on the consistency of the Government's view, especially in the context of the EU-wide ban on discussions with Hamas?

Written Answers — Foreign and Commonwealth Affairs: Middle East (21 Jun 2005)

James Brokenshire: To ask the Secretary of State for Foreign and Commonwealth Affairs if he will make a statement on Government policy on the Middle East peace process.

Orders of the Day — National Lottery Bill (14 Jun 2005)

James Brokenshire: There is a great deal of consensus across the House on the benefits that the lottery has offered to so many of our communities and constituents. The Bill and today's debate, however, relate to the future. I heard what the Minister said about the intentions behind the Bill, but the Bill itself gives the impression that the Government's aim is to centralise and assume much greater control over...

Orders of the Day — National Lottery Bill (14 Jun 2005)

James Brokenshire: I think that we should concentrate on the lottery's independence and give people back the power to decide how lottery funding should be given. That is entirely consistent with the arguments that Conservative Members have advanced about giving power back and passing power down. I have several specific concerns about the Bill's provisions, particularly the power given to the Secretary of State....

Orders of the Day — Consumer Credit Bill (9 Jun 2005)

James Brokenshire: I am grateful for the opportunity to offer my first contribution to the House in this important debate on the Consumer Credit Bill. I am also pleased to follow my hon. Friends who also made their maiden speeches—my hon. Friends the Members for Tunbridge Wells (Greg Clark), for Basingstoke (Mrs. Miller), for South-West Hertfordshire (Mr. Gauke) and for Rochford and Southend, East (James...


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