Lord Borrie: My Lords, I support the amendment that has just been spoken to. I declare in interest in that I am a vice-president of the Trading Standards Institute and I have been the president so I have a long understanding of the work of trading standards people up and down the country. They have been extremely useful in every development of consumer rights and consumer law over the many years since...
Lord Borrie: I will resist the temptation that there must be, not only to myself but to many in the Chamber, to criticise the Home Office and Ministers for the pretty pass we find ourselves in. On the basis of what the Minister said when repeating the Statement made in the other place, I look to the future. The key point seems to be to have a timetable that one will have some faith in, unlike that of the...
Lord Borrie: My Lords, it is a delight—as it would have been on other occasions—to follow the noble Viscount, Lord Tenby. We have known one another for many years now and I am not surprised that he has given a measured and generally favourable comment on the report that we are debating. He has said all I need to say about the excellence of this report. My noble friend Lord Lipsey need not fear that...
Lord Borrie: I note what my noble friend is saying. My feeling is that, despite this being a difficult question in terms of history—and it certainly seems to be regarded by a number of colleagues through the House of Lords generally as an embarrassing question to raise—I would like to hear whether the Bishops have any agreement at all with me as regards the 26 Bishops who are entitled to sit being a...
Lord Borrie: My Lords, my noble friend Lady Hayter of Kentish Town gave a brilliant exposé and critique of the Government’s approach on this vital matter of organisations and their relationship with each other in the order. I want to concentrate on two matters. One is the National Consumer Council, which is to be abolished by the order; I regard that as a matter of regret. The other is concerned with...
Lord Borrie: My Lords, I support the amendment —I suppose because it comes from my Front Bench. However, I do not like the provision in the Bill at all. Shoplifting has been with us, as it were, for a long time. Correct me if I am wrong, but it is unprecedented for shoplifting to be singled out as a form of theft that should receive special attention. What is the gain to the public of that? Shoplifting...
Lord Borrie: My Lords, reading the House of Commons Hansardin relation to this Bill, I noticed that one Conservative Member of Parliament said that it was, “a Christmas tree of a Bill”.—[ Official Report , Commons, 15/10/13; col. 696.] That makes it very difficult to discuss many of its aspects due to lack of time. Even in the last few minutes of Third Reading in another place, a second Conservative...
Lord Borrie: My Lords, why do the Government not empower a public authority, such as the Financial Conduct Authority, to take up cudgels on behalf of small enterprises, to ensure that prompt payment is made of cash that is due to them?
Lord Borrie: My Lords, I add my welcome to the maiden speech of the noble and learned Lord, Lord Walker of Gestingthorpe. It was a very valuable speech and from his remarks I understand that he will be able to take part in the Committee stage of the Bill. He will be very welcome there and, no doubt, in the other debates that he will take part in as he chooses. I was not surprised that the consultation...
Lord Borrie: My Lords, the great German Chancellor Otto von Bismarck once said: "Laws are like sausages, it is better not to see them being made". Of course, we in this House see laws being made all the time. It is what we do. We use words such as "scrutiny" and "amendments" and so on, but what we do is watch laws being made. Sometimes it is not a very edifying sight. Since naturally I will choose...
Lord Borrie: The noble Baroness, Lady Howe of Idlicote, has indicated that at the present time there is an increasing desire, among young people particularly, to rent rather than buy. When I say "desire", it is of course a desire that is impelled upon them because of the difficulty of getting mortgages and actually purchasing a house. Whatever the reason, they are having to rent rather than buy. As so...
Lord Borrie: My Lords, I congratulate my noble friend Lord Stevenson on putting forward this amendment -and, indeed, my noble friend Lord Tunnicliffe, who has taken his place today. As we discussed at some length on the previous amendment, self-regulation has been attempted in the field of debt management, but with only questionable effect. Multiple debtors can, of course, be tremendously assisted by debt...
Lord Borrie: Perhaps I may intervene for a moment to indicate that I feel that the basic principle-the opening words-of this amendment is extremely sensible and well worth while because it is concerned with the co-ordination of functions of two separate bodies which might otherwise conflict. Therefore, the notion that they should devise a memorandum of understanding seems very sensible. I have to say to...
Lord Borrie: My Lords, that was a short and sweet speech, which I am sure we all welcome.
Lord Borrie: I would not dream of complaining. I am afraid I shall take a little longer than the previous speaker. I want to concentrate entirely this afternoon on Part 4 which concerns competition and reform. I will not make the usual remarks about reform. From 2010-I think it was the Public Bodies Bill that drew my attention to it-the Government first seemed to propose the amalgamation of the Office of...
Lord Borrie: My Lords, my noble friend Lord Stevenson has made some very powerful points with his criticism of the behaviour, over a period of time, of debt management companies-any company that eases, or purports to ease, the problems of debtors by making a plan for them to pay off their debts. What a debt management plan offers is, or may be, perfectly good and in the interests of the debtor. I would...
Lord Borrie: My Lords, I find the Minister's explanation exceedingly clear and well justified. The case that he has put for being able to suspend a licence instantly is something that will only be rarely exercised. However, most importantly, as the Minister said, this power if exercised even once or twice will have a deterrent effect on others. Its value in the exceptional case is undoubted. I am so glad...
Lord Borrie: The Minister has confined his answers so far to government or governmental bodies which owe debts to small and medium-sized firms. What about simply the failure of large firms to pay small firms the money they owe them? So far, it is left to the initiative of the SMEs. Since there is a significant Bill going through Parliament at the moment dealing with financial services, I wonder whether...
Lord Borrie: The people who will subscribe to the new code are those who are more likely to conform to the requirements of the Government, the ministry or whatever. It is the other companies, which may not subscribe to these requirements, that one is bound to be more worried about. Those are the ones that will not provide the cost of credit in cash terms.
Lord Borrie: Yes, of course I will withdraw my amendment, but I must express disappointment with the disinclination of the Minister to take the one further step that would enable a change to be 100%, rather than whatever percentage of good boys will conform to a code of practice.