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Consumer Credit Bill

I support the remarks of the noble Lord, Lord De Mauley. My concern is very straightforward. This is clearly a highly desirable clause giving powers to provide intermediate action. My concern is that it will be a lawyers’ paradise. The human rights committee is indicating it believes that there is a serious human rights concern here, but Ministers in another place are saying that they do not believe that is so. The way in which such disputes are usually recognised and regulated is through the courts. I should think it would be to the Government’s benefit to bring forward a clause that we all support by accepting this amendment or introducing their own to make it clear beyond peradventure that there is not a human rights risk.