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Justin Tomlinson sounds as though he is not totally up to speed with current law in this area. There is already a legal obligation under the Consumer Credit Act for lenders to check a borrower's creditworthiness. In my view , 90 % of the answer lies in introducing mandatory personal finance education in schools - NOT more regulation (the volume and complexity of existing regulation is spectacular) or incentivising credit unions.
Iola, the credit card business is actually very competitive - bear in mind that as well as the retail banks, you have several major 'monoline' credit card issuers e.g. capital one
You have to remember that people who borrow on credit cards (as opposed to just using them as a payment card) are not for the most part low risk borrowers.
also worth noting that the consumer credit directive 2008 is a maximum harmonisation directive and applies to most consumer credit agreements in the UK - so whatever the intentions of the folk in the debate - the truth is that the government actually has very little opportunity for legislative change.
Tory MPs debate 4,500% interest rates charged by legal lenders
By Tim Montgomerie Follow Tim on Twitter. Yesterday in the Commons Tory MPs voiced concern about legal financial companies that charge very high interest rates. They were speaking in response to proposals from the Labour benches. Learning the lessons from anti-smoking campaigns, Neil Parish MP...
How important is it for the party to articulate a clear response to Mervyn King's fear that no-one is confronting the issue of moral hazard in the banking industry? (this could probably be expressed better!)
Questions for the next ConHome readers' survey
Please use this thread to suggest questions to be included in the next survey.
Sunder,
I think the lack of due diligence is on the part of Miliband an co. So desperate to make a political attack, that he followed along with the ill-thought through group-think of the British left. Or perhaps he is cynically calculating that overseas politicians are unlikely to have the time or inclination to take him on in the courts (for defamation). Either way, it's shameful.
On the subject of politicians' pasts/youthful idiocies, I have yet to hear any apologies for the communist pasts of many senior labour politicians. Not one.
Michal Kamiński tells ConservativeHome that the smears against him come from a "desperate" Labour Party and those seeking to "smash" the new group he leads as it challenges the European establishment
What a difference a decade makes: the last time that Michal Kamiński attended a Conservative Party conference was in Bournemouth in 2000 when he was the youngest member of the Polish Parliament. Nine years later, he was in Manchester this week as leader of the newly-formed European Conservativ...
Good luck Priti. Best, Michael P-W
Diary of a PPC: Priti Patel (Witham)
Each week a different PPC provides us with an insight into life as a candidate and gives us a flavour of their own campaign and interests. If you are a candidate and are keen to be featured, please email Jonathan Isaby. This week we are featuring Priti Patel, who is candidate for the newly-cre...
The statistics cited are awful and demand a response but the detail of this proposal is unclear to me.
"We propose the establishment of Enterprise Portals up and down the country. Each Portal would be administered at a local authority level and act as a gateway for local public services to work with small businesses. Participating small businesses giving up their time would enjoy an exemption from paying business rates."
What exactly are we getting in return for the exemption? Is there any commitment to take on apprentices? what will the local businesses be providing when they give up their time? how much time?
Whilst the idea of a local solution is attractive, this idea does sound unwieldy and bureaucratic.
Would the invisible children not be more likely to benefit if we simply used the money to cut the lower rate of corporation tax applicable to small businesses? (I'm no tax expert but last time I checked - a long time ago! - there were 2 rates of corporation tax based on the size of the business)
Chris Skidmore, Nick Cuff and Charlotte Leslie: The Invisible Children
"Invisible Children" is the first part of the Bow Group’s "Invisible Nation" series. The research report, to be published in full tomorrow, uncovers the thousands of ‘The Invisible Children’ who never make it to the league tables. It is ten years since Tony Blair made education his priority in...
Tim M, has A Lansley done an "any questions for.."?...
Andrew Lansley talks about his stroke of 14 years ago
Conservative health spokesman Andrew Lansley has used an interview with The Spectator's Fraser Nelson to talk about a stroke he suffered 14 years ago whilst playing cricket: "‘I went to pick up a ball, stood up again and suddenly I couldn’t stand straight,’ he remembers. ‘I tried to stabilise ...
I have heard Anne Milton speak and like her but I'm not sure if she has the ability to handle such a massive brief or would devote any more time to it than Andrew Lansley does.
I think Lansley definitely needs to be higher profile. This is ground we must fight on
Andrew Lansley talks about his stroke of 14 years ago
Conservative health spokesman Andrew Lansley has used an interview with The Spectator's Fraser Nelson to talk about a stroke he suffered 14 years ago whilst playing cricket: "‘I went to pick up a ball, stood up again and suddenly I couldn’t stand straight,’ he remembers. ‘I tried to stabilise ...
The idea that we won't be able to do business with European leaders if we're not in the EPP is wide of the mark. It underestimates the UK's economic strength and the importance of the UK market to other EU member states.
In short, it is mere propagada.
And in any case, I don't see that our negotiations with the EU have been very successful whilst in the EPP.
No movement on CAP but movement on the rebate etc - of course this is Blair's fault
Patten urges Tories to side with Merkel, not Hannan and Cash
Chris Patten was on Andrew Marr's Sunday programme this morning and used the opportunity to attack David Cameron's EPP exit pledge. The former Party Chairman and EU foreign affairs commissioner said that the Tory leader was in danger of spending too much time listening to Eurosceptics like Bill...
andrew, maybe it's an elaborate sting
The view from my laptop
Guido 'Four Mobiles' Fawkes is still in France and last week he posted a picture of his blogging location. On Saturday I took a photo of my own favourite blogging location. My home is just outside The Close of Salisbury Cathedral and I often blog from a wooden bench below Britain's tallest sp...
M & S mints? Tim, are you a sucker for a bit of re-branding!?
Wiltshire is certainly a fine part of the world
The view from my laptop
Guido 'Four Mobiles' Fawkes is still in France and last week he posted a picture of his blogging location. On Saturday I took a photo of my own favourite blogging location. My home is just outside The Close of Salisbury Cathedral and I often blog from a wooden bench below Britain's tallest sp...
Patten is out of order. Cameron was clear about this before he was elected and as we all know he got a clear mandate.
more ammunition for blair and co
Patten urges Tories to side with Merkel, not Hannan and Cash
Chris Patten was on Andrew Marr's Sunday programme this morning and used the opportunity to attack David Cameron's EPP exit pledge. The former Party Chairman and EU foreign affairs commissioner said that the Tory leader was in danger of spending too much time listening to Eurosceptics like Bill...
If any job or position creates even the slightest arguable doubt about a candidate's eligibility, that candidate must surely resign from the job/position immediately after selection.
I don’t know what the legalities are but I would have thought it unwise (easy after the event I know) to select a candidate who holds and wants to retain any other elected position of significance
I think the fact that UKIP put up their biggest name is a mitigating factor in terms of the result
I don’t think any national conclusions can be drawn from this ONE result. I am always amazed that people are willing to draw national conclusions from by election results.
Francis Maude MP: What are the lessons from Bromley?
"Yes, we won Bromley and Chislehurst, and winning is better than losing. But I'm not going to prance around Hazel Blears-style saying: "of course the real story is Labour meltdown etc etc". We'll take it on the chin and accept that however bad it was for Labour last night, it was a disappoin...
and Brown may go for a snap election
Murdoch: Blair should resign
Rupert Murdoch has said that Blair should quit before the next election, and that he might support the Conservatives. He fired a shot over Gordon Brown's bow in an interview with The Australian, saying that holding a snap election would be cheating the public: "...for no reason other than the dy...
agreed, there's no real logic, unless he means that we need to see the results of conservative policy reviews. But I don't really think that's where he's coming from at all
Murdoch: Blair should resign
Rupert Murdoch has said that Blair should quit before the next election, and that he might support the Conservatives. He fired a shot over Gordon Brown's bow in an interview with The Australian, saying that holding a snap election would be cheating the public: "...for no reason other than the dy...
KC obviously deserves respect. He has served the party and the country well.
But these comments were unhelpful. The party needs to be able to contrast its unity with the feud ridden labour party which has much greater problems (let's not divert the media focus on that).
Cameron was only kite flying and the public at large don't care very much about the HRA or a mooted bill of rights. Let's keep things in perspective.
Similarly, the public at large don't care about groupings in the EP. I'm in favour of our MEPs sitting alone if necessary.
Ken Clarke attacks Cameron's "xenophobic" human rights plan
The Prime Minister isn't the only party leader to be experiencing trouble from a Clarke. Ken Clarke has just appeared on BBC1's Daily Politics show and confirmed his unhappiness at David Cameron's plans to commission another policy group to draw up a new British Bill of Rights. The former ...
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