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Opposition day on Wednesday, 21 October 2009, in the House of Commons, led by Vincent Cable. The answering member was Liam Byrne.

Equitable Life

Equitable Life. Nineteenth opposition day debate (part 1). Main question negatived on division (269 votes to 294). Amendment agreed to on question. [Relevant Documents: The Second Report from the Public Administration Select Committee, on Justice Delayed: The Ombudsman’s report on Equitable Life, HC 41, and the Government response, HC 953; and the Sixth Report from the Committee, on Justice denied? The Government’s response to the Ombudsman’s report on Equitable Life, HC 219, and the Government response, HC 569.]

Secondary information

Type
Parliamentary proceeding
Reference
497 c918-75 
Session
2008-09
Department
Treasury
Chamber / Committee
House of Commons chamber
Related items
Proceeding contributions
Speaker | 497 c941 (Link to this contribution) Order. I remind all hon. Members that Mr. Speaker has imposed a 15-minute limit on contributions fro...
Mark Lazarowicz | 497 c957 (Link to this contribution) I hope the Exchequer Secretary will clarify that point, because my understanding was that the scheme...
Show all contributions (175)
Dan Rogerson | 497 c955 (Link to this contribution) As ever, the hon. Gentleman speaks with great authority, and I agree with his comments. As many hon....
Dan Rogerson | 497 c953-5 (Link to this contribution) I start by congratulating my hon. Friend the Member for Twickenham (Dr. Cable) on introducing the de...
John Barrett | 497 c956 (Link to this contribution) Will my hon. Friend expand on why the decision ought not to be made on party political lines?
Dan Rogerson | 497 c956 (Link to this contribution) Many hon. Members have served in local government, where, when difficult decisions are faced, admini...
Denis MacShane | 497 c955 (Link to this contribution) The hon. Gentleman makes his case calmly and fairly, and it will have an echo in my constituency. It...
Daniel Kawczynski | 497 c963 (Link to this contribution) Indeed. As long as one is not rebelling against one’s party all the time, the Whips realise—
John Butterfill | 497 c957 (Link to this contribution) The hon. Gentleman will know from my previous interventions on the subject that many of my constitue...
Mark Durkan | 497 c957-8 (Link to this contribution) The hon. Gentleman has made his point very eloquently. Many of us have questioned the Government’s a...
Mike Weir | 497 c959-61 (Link to this contribution) As a number of Members have observed, this matter has been dragging on for many years. After all the...
Daniel Kawczynski | 497 c962-3 (Link to this contribution) I apologise for not being present at the start of the debate; I had to attend a pressing constituenc...
Jeremy Browne | 497 c966 (Link to this contribution) The hon. Gentleman is right that there is a cost beyond the financial cost, but in his opening remar...
Geraldine Smith | 497 c965 (Link to this contribution) The costs are very important, as is the time scale involved. How much does the hon. Gentleman expect...
Jeremy Browne | 497 c964-5 (Link to this contribution) This has been a high-quality and important debate and I congratulate my hon. Friend the Member for T...
Daniel Kawczynski | 497 c963 (Link to this contribution) Forgive me, Madam Deputy Speaker. I was just saying that it is very important, on occasion, to vote ...
Sarah McCarthy-Fry | 497 c967-8 (Link to this contribution) I thank all hon. Members for their comments during this informative debate. The continuing scrutiny ...
Lindsay Hoyle | 497 c968 (Link to this contribution) Does the Exchequer Secretary not feel that we are in danger of rehearsing the Gurkha escapade, where...
Sarah McCarthy-Fry | 497 c968 (Link to this contribution) I do not know whether my hon. Friend has been listening to the debate, but one point on which the wh...
Bill Wiggin | 497 c967 (Link to this contribution) I have signed the hon. Gentleman’s early-day motion and I shall support his motion. My constituents ...
Bob Spink | 497 c941 (Link to this contribution) Before the hon. Gentleman concludes, will he give way?
Mark Hoban | 497 c941 (Link to this contribution) No. I have been generous in taking interventions and have gone on for rather longer than I had hoped...
Oliver Heald | 497 c942 (Link to this contribution) May I say how much I agree with the hon. Gentleman that there should be a procedure to bring an ombu...
Tony Wright | 497 c942 (Link to this contribution) I shall speak for much less than 15 minutes; indeed, I had not anticipated speaking at all, but I ri...
Liam Byrne | 497 c943 (Link to this contribution) I agree with much of what my hon. Friend says, but if a parliamentary ombudsman finds an injustice a...
Tony Wright | 497 c942-3 (Link to this contribution) That is a very fine offer and I shall certainly take it up. I am quite realistic about this. Such t...
Oliver Heald | 497 c943 (Link to this contribution) The hon. Gentleman will know that for many weeks the shadow Leader of the House has asked for a deba...
Tony Wright | 497 c943 (Link to this contribution) We are getting into interesting territory, and I am not sure how much further the House wishes to go...
Tony Wright | 497 c943-4 (Link to this contribution) The hon. Gentleman is right. It is also right that we should have this discussion. Having made a dec...
Jo Swinson | 497 c945 (Link to this contribution) I totally agree with what my hon. Friend says about the detailed work done by the ombudsman. We have...
Baroness Kramer | 497 c945 (Link to this contribution) I can only agree with the hon. Gentleman. On the ombudsman’s timetable, the Government’s response to...
Baroness Kramer | 497 c945 (Link to this contribution) I very much agree with the hon. Lady’s comments. I also say to the Exchequer Secretary that we saw t...
Theresa Villiers | 497 c945 (Link to this contribution) I cannot think of another instance in which we have seen the Government respond to an ombudsman’s re...
Baroness Kramer | 497 c944-5 (Link to this contribution) I shall also try to be brief, because the hon. Member for Cannock Chase (Dr. Wright) said so much of...
Lord Stunell | 497 c946 (Link to this contribution) I am sorry to interrupt my hon. Friend when she is in such fine form, but does she not also agree th...
Baroness Kramer | 497 c946 (Link to this contribution) The hon. Gentleman speaks with great common sense and reflects the voices in the letters and represe...
Mark Durkan | 497 c946 (Link to this contribution) Like many of us, the hon. Lady has received many representations from constituents and others. Has s...
Baroness Kramer | 497 c945-6 (Link to this contribution) I could not agree more with my hon. Friend. Everything that we do has the potential to create a prec...
Robert Neill | 497 c950 (Link to this contribution) I follow the hon. Gentleman’s interest in such matters. Following that point, does he agree that the...
Fabian Hamilton | 497 c949 (Link to this contribution) I agree; indeed, the situation is much more serious. People always lose confidence in the Government...
Fabian Hamilton | 497 c950 (Link to this contribution) That is why I agree with many right hon. and hon. Members—especially my hon. Friend the Member for C...
Baroness Kramer | 497 c946-7 (Link to this contribution) I am glad that the judicial review has been raised, and I agree with my hon. Friend. I do not want t...
Anne Milton | 497 c949 (Link to this contribution) Does the hon. Gentleman agree that there are two emotions? The first is the anger of the policyholde...
Fabian Hamilton | 497 c947-9 (Link to this contribution) I start by thanking the Chief Secretary for reiterating the apology given by his predecessor, my rig...
Fabian Hamilton | 497 c950-1 (Link to this contribution) My honourable co-chair makes a good point. It has already been pointed out that, since Sir John Chad...
Anne Main | 497 c939 (Link to this contribution) Will my hon. Friend touch on the Chief Secretary’s words today that seemed yet again to indicate tha...
Robert Syms | 497 c939 (Link to this contribution) A lot of Equitable Life policyholders are in great financial difficulty and quite frail. Is there a ...
Mark Hoban | 497 c939 (Link to this contribution) What the Government mean by "disproportionate" is one of the matters that they are yet to address. T...
Anne Milton | 497 c939 (Link to this contribution) Does my hon. Friend agree that this is actually all very simple? A lot of hon. Members will make spe...
Mark Hoban | 497 c939 (Link to this contribution) My hon. Friend raises an important point. Some people affected are suffering real hardship, which ha...
Dan Rogerson | 497 c940 (Link to this contribution) The hon. Gentleman is rightly focusing on the time scale involved, and other hon. Members have probe...
Mark Hoban | 497 c939-40 (Link to this contribution) My hon. Friend is absolutely right: that is what our constituents want to know, and it is the essenc...
Oliver Heald | 497 c941 (Link to this contribution) Does my hon. Friend agree that one of the biggest challenges facing this country is persuading peopl...
Mark Hoban | 497 c941 (Link to this contribution) My hon. Friend is right: the episode has undermined people’s confidence. They need to have confidenc...
Liam Byrne | 497 c934 (Link to this contribution) I hope that we will not be in that position.
Crispin Blunt | 497 c934 (Link to this contribution) I want to record my interest as a former Equitable Life policyholder in relation to my pension as a ...
Liam Byrne | 497 c934 (Link to this contribution) I did not quite follow the hon. Gentleman’s argument. I said that requiring individual policyholders...
Liam Byrne | 497 c935 (Link to this contribution) I will give way one last time before I make some progress.
Lord Redwood | 497 c934 (Link to this contribution) Is not the bottom line, then, that whenever the next general election is held the Government will go...
Sandra Gidley | 497 c935 (Link to this contribution) I appreciate the complexity of the situation, but could the Chief Secretary confirm that Sir John Ch...
Liam Byrne | 497 c935 (Link to this contribution) In essence, relative loss is about losses that are suffered by policyholders once one has stripped o...
Brian Binley | 497 c935 (Link to this contribution) On 15 January, the Chief Secretary stated that policyholders would be paid. Why have not the Governm...
Liam Byrne | 497 c935 (Link to this contribution) I will give way one last time and then conclude my remarks.
Lord Redwood | 497 c937 (Link to this contribution) As the Minister who promptly paid compensation, with the permission of the House, after the regulato...
Mark Hoban | 497 c937 (Link to this contribution) My right hon. Friend speaks from his experience of Barlow Clowes. The Prime Minister has tried to av...
Oliver Letwin | 497 c936 (Link to this contribution) Does my hon. Friend agree that it was a signal moment when the Chief Secretary announced, on behalf ...
Mark Hoban | 497 c937 (Link to this contribution) My right hon. Friend echoes an important point that was touched on by the ombudsman and raised in th...
Liam Byrne | 497 c935 (Link to this contribution) I asked Sir John before the summer whether he has sufficient resources to undertake the work that we...
Mark Hoban | 497 c935-6 (Link to this contribution) Conservative Members welcome this debate and will support the motion in the Division Lobby later thi...
Mark Hoban | 497 c938-9 (Link to this contribution) We accept the ombudsman’s recommendation that payments should be made to policyholders who lost out....
Sammy Wilson | 497 c938 (Link to this contribution) Will the hon. Gentleman outline how he would approach the issue of compensation should there be a ch...
Mark Hoban | 497 c937-8 (Link to this contribution) I have some clear advice that my hon. Friend might wish to give her constituents. History has shown ...
Julie Kirkbride | 497 c937 (Link to this contribution) I suspect that my hon. Friend’s constituents, like mine, have been e-mailing him to say that they wi...
Mark Hunter | 497 c932 (Link to this contribution) I am grateful to the Minister for giving way; he has been generous in doing so. All who are concerne...
Liam Byrne | 497 c932 (Link to this contribution) Perhaps the hon. Gentleman will want to intervene again if I pose this question. How much faster doe...
Mark Hunter | 497 c932 (Link to this contribution) I am happy to, because the point was made before: the question is not about having to review 30 mill...
Liam Byrne | 497 c932 (Link to this contribution) I am glad that the hon. Gentleman says that a better approach is to review different classes of poli...
Liam Byrne | 497 c932 (Link to this contribution) All I can do is point to the ombudsman’s recommendation for, and assessment of, when her proposed co...
John Pugh | 497 c932 (Link to this contribution) If my hon. Friend will allow me, I should say that the Minister has not answered the question from o...
Mark Lazarowicz | 497 c933 (Link to this contribution) I am grateful to my right hon. Friend for giving way again. I, unlike many colleagues, was convinced...
Liam Byrne | 497 c933 (Link to this contribution) I shall give way to my hon. Friend the Member for Edinburgh, North and Leith (Mark Lazarowicz).
Speaker | 497 c933 (Link to this contribution) Order. The hon. Gentleman’s intervention has been quite lengthy.
Liam Byrne | 497 c933 (Link to this contribution) That, I know, is the million dollar question, which I cannot answer this afternoon. [Interruption.] ...
Mark Hoban | 497 c933 (Link to this contribution) The Chief Secretary is in danger of treating the House and our constituents like fools. He tried to ...
Liam Byrne | 497 c933 (Link to this contribution) As I say, my goal is to ensure that a scheme is up and running within a timetable that is administra...
Rob Marris | 497 c933 (Link to this contribution) I do not share this love-in with the ombudsman, who took a slothful more than four years to produce ...
Liam Byrne | 497 c934 (Link to this contribution) I can only repeat the answer that I gave a moment ago.
Gregory Campbell | 497 c934 (Link to this contribution) Can the Chief Secretary not assure the House and Equitable Life policyholders that, at the close of ...
Liam Byrne | 497 c934 (Link to this contribution) I shall give way to the hon. Member for East Londonderry (Mr. Campbell).
Liam Byrne | 497 c933-4 (Link to this contribution) As I have said, the regulatory failures of the 1990s, which we are now attempting to clear up, unfor...
Liam Byrne | 497 c934 (Link to this contribution) My assessment is that payments can begin moving quite quickly once the final design of the scheme is...
Sammy Wilson | 497 c934 (Link to this contribution) The Chief Secretary has outlined the work that still has to be done, all of which I assume will be i...
Patrick Hall | 497 c930 (Link to this contribution) The ombudsman used the expression "relative loss", which has been used before in the debate. My righ...
Liam Byrne | 497 c930 (Link to this contribution) That is one of the questions on which we have asked Sir John Chadwick to advise. When the next stage...
Vincent Cable | 497 c930 (Link to this contribution) We all understand that the Minister has a perfectly legitimate role in protecting the Treasury, but ...
Liam Byrne | 497 c930 (Link to this contribution) I cannot second-guess what was in the minds of EMAG, but I think there were two concerns in particul...
Mark Lazarowicz | 497 c930 (Link to this contribution) I can see the strength of my right hon. Friend’s argument for a different mechanism from that propos...
Liam Byrne | 497 c930 (Link to this contribution) I am grateful to my hon. Friend for that point. It allows me to say that work is well in hand. Sir J...
Liam Byrne | 497 c931 (Link to this contribution) I shall give way to my hon. Friend and then to the hon. Lady.
Liam Byrne | 497 c929 (Link to this contribution) There are two points there, as the hon. Lady said. First, on the question of relative loss, it will ...
Liam Byrne | 497 c931 (Link to this contribution) Spring is my target date for providing the House with the design of the ex gratia scheme.
Liam Byrne | 497 c931 (Link to this contribution) I shall give way to the hon. Member for Cheadle (Mark Hunter).
Liam Byrne | 497 c931 (Link to this contribution) I shall give way to the hon. Member for St. Albans (Anne Main) and then to my hon. Friend.
Anne Main | 497 c931 (Link to this contribution) The Chief Secretary is doing a wonderful job of dancing on the head of a pin. I met Equitable Life v...
Speaker | 497 c931 (Link to this contribution) Order. That was a notably lengthy intervention, but I feel that the reply from the Minister will be ...
Liam Byrne | 497 c931 (Link to this contribution) It is, and my hon. Friend might want to intervene again. However, the Bradley judgment and last week...
Tony Wright | 497 c931 (Link to this contribution) So that the House is not misled, may I put it to my right hon. Friend that the issue is not the tech...
Annette Brooke | 497 c924 (Link to this contribution) It is interesting to note that the Government use the word "expeditiously" in their amendment. Perha...
Vincent Cable | 497 c924-5 (Link to this contribution) Indeed. Since the Government have declared themselves to be racing us in order to get there faster t...
Vincent Cable | 497 c924 (Link to this contribution) I cannot find the exact phrase in the few seconds that I have been given, but it was very clear that...
Liam Byrne | 497 c927 (Link to this contribution) I think that the two things are quite different, and I shall explain why in a moment. As I was sayi...
Speaker | 497 c925 (Link to this contribution) I must tell the House that I have selected the amendment in the name of the Prime Minister. I call t...
Liam Byrne | 497 c926 (Link to this contribution) I beg to move an amendment, to leave out from "Life" to the end of the Question and add:""also notes...
Anne Milton | 497 c928 (Link to this contribution) Can the Chief Secretary clarify what he means by "speedily"? My constituents watching the debate on ...
Jim Cunningham | 497 c927 (Link to this contribution) How many people have received ex gratia payments? What is the difference between the Government’s po...
Liam Byrne | 497 c927-8 (Link to this contribution) My hon. Friend is absolutely right, and I am grateful to him for that point. I shall say something i...
Anne Milton | 497 c928 (Link to this contribution) I thank the right hon. Gentleman for giving way a second time. I would like a time scale. I would li...
Liam Byrne | 497 c928 (Link to this contribution) I shall answer the question directly, but I want to make one or two points first.
Mike Weir | 497 c928 (Link to this contribution) Can the Chief Secretary answer me on a matter of principle? The Government have gone for an ex grati...
Liam Byrne | 497 c928 (Link to this contribution) That is an important point, which was acknowledged both in the Bradley judgment and again in the cou...
Liam Byrne | 497 c928-9 (Link to this contribution) Dates will come in a moment. When the ombudsman reported in July 2008, she suggested that a scheme c...
Baroness Burt of Solihull | 497 c929 (Link to this contribution) I understand what the Minister says about the amount of time and effort that needs to be put into th...
Liam Byrne | 497 c929 (Link to this contribution) I shall come to that point directly, but I shall take another intervention first.
Baroness Kramer | 497 c929 (Link to this contribution) I think the Minister is going to receive another letter from the ombudsman for again misrepresenting...
Norman Lamb | 497 c922 (Link to this contribution) Does my hon. Friend recall the Penrose report, which gave a clear indication of maladministration th...
Vincent Cable | 497 c921-2 (Link to this contribution) Yes, that is right; it has been clear from the beginning that we are talking about relative losses. ...
Vincent Cable | 497 c922-4 (Link to this contribution) Yes, and that was the second step in the process. We had several years before Penrose finally report...
Vincent Cable | 497 c921 (Link to this contribution) That is a very emotive way of putting it but, in essence, the hon. Gentleman is right. That is the f...
Patrick Hall | 497 c921 (Link to this contribution) It is important that, at this stage, the hon. Gentleman makes it clear what he understands the compe...
Vincent Cable | 497 c921 (Link to this contribution) I am sure that hon. Members are anxious to hear me get on with the history, but I shall take one fur...
Brian Binley | 497 c921 (Link to this contribution) Does the hon. Gentleman agree with the many constituents of mine who are horrified that this Governm...
Vincent Cable | 497 c921 (Link to this contribution) Well, indeed; I believe that the hon. Gentleman is referring to the concept of disproportional effec...
Andrew Murrison | 497 c921 (Link to this contribution) Does the hon. Gentleman accept the principle that justice can be means-tested? It seems that the tri...
Vincent Cable | 497 c921 (Link to this contribution) I had not thought of that angle, but it is a good one. I am sure that if we were to add together the...
Vincent Cable | 497 c920 (Link to this contribution) My colleague is right. Of course, following the judicial review, some of those categories are now in...
Greg Mulholland | 497 c920-1 (Link to this contribution) My hon. Friend has discussed the cost of compensation, but does he agree that it is high time that t...
Vincent Cable | 497 c920 (Link to this contribution) Indeed, and I now propose to take my hon. Friend through this nine-year journey, the end of which we...
Steve Webb | 497 c920 (Link to this contribution) Just before my hon. Friend starts his nine-year journey, may I ask whether he also accepts that ther...
Vincent Cable | 497 c919-20 (Link to this contribution) Well, it can be and, indeed, it should be. Let me try to anticipate the Government’s concerns. In ad...
David Heath | 497 c920 (Link to this contribution) Does not the fault with the Government’s position extend rather further than that? Not only have the...
Vincent Cable | 497 c919 (Link to this contribution) The right hon. Gentleman is right; as this is such an important case—it is the biggest that the ombu...
Lembit Opik | 497 c919 (Link to this contribution) Does my hon. Friend agree that the general public, including the 1,000 or so people in Montgomeryshi...
Vincent Cable | 497 c918-9 (Link to this contribution) I beg to move,"That this House notes that the Parliamentary Ombudsman has taken the unusual step of ...
Oliver Letwin | 497 c919 (Link to this contribution) I declare an indirect personal interest. Does the hon. Gentleman agree that this goes beyond the ar...
Sarah McCarthy-Fry | 497 c969 (Link to this contribution) The design of the scheme will be available by spring 2010, and we will move with all speed to get th...
Sarah McCarthy-Fry | 497 c969-70 (Link to this contribution) I cannot give way; I have only four minutes left. I want to correct another assertion. The hon. Mem...
Mark Durkan | 497 c956-7 (Link to this contribution) Other right hon. and hon. Members have rightly raised the issue of the proper standing and treatment...
Robert Neill | 497 c955 (Link to this contribution) I very much agree with the hon. Gentleman, whose experience in his constituency is similar to mine. ...
John Barrett | 497 c952-3 (Link to this contribution) I am happy to concur with that. A lobby of Parliament by Equitable Life policyholders is scheduled ...
Dan Rogerson | 497 c956 (Link to this contribution) I am grateful to the right hon. Gentleman for his kind remarks, although I am perhaps slightly disap...
Daniel Kawczynski | 497 c958 (Link to this contribution) The hon. Gentleman mentioned the resources that Sir John Chadwick had at his disposal, and that is c...
Mark Durkan | 497 c958-9 (Link to this contribution) Obviously there are various arguments to be made about foxes and chickens, but, given that the Gover...
Mark Durkan | 497 c957 (Link to this contribution) I thank my hon. Friend for amplifying my question. We all want to know what "up and running" means. ...
Graham Stuart | 497 c966 (Link to this contribution) We were asked a moment ago what the cost of the proposal would be, but does the hon. Gentleman agree...
Jeremy Browne | 497 c965-6 (Link to this contribution) Those questions have been deliberated at length over the past three and a half hours, and I shall co...
Jeremy Browne | 497 c965 (Link to this contribution) I strongly agree, and that is why it is especially important that we consider seriously all the cont...
Speaker | 497 c963 (Link to this contribution) Order. Perhaps the hon. Gentleman could face the Chair; it assists not just the occupant of the Chai...
Geraldine Smith | 497 c968 (Link to this contribution) It is important that the Minister takes note of the ombudsman. However, it is equally important that...
Sarah McCarthy-Fry | 497 c968-9 (Link to this contribution) The ombudsman herself acknowledged that it was legitimate for us to take up the wider interests of t...
Stephen Pound | 497 c969 (Link to this contribution) May I assure my hon. Friend that many of us are desperate to vote for the Government’s amendment and...
Jeremy Browne | 497 c967 (Link to this contribution) I would love to be able to comment on Sir John Chadwick in greater detail, but I have not had the op...
Jeremy Browne | 497 c966-7 (Link to this contribution) I do not think that the hon. Lady was present to hear the Chief Secretary’s opening remarks. She may...
Daniel Kawczynski | 497 c950 (Link to this contribution) I am grateful to my fellow co-chair of the all-party parliamentary group on Equitable Life for allow...
John Barrett | 497 c951-2 (Link to this contribution) I shall not take the full allocation of my time in the debate to ensure that all my colleagues who w...
Daniel Kawczynski | 497 c952 (Link to this contribution) The hon. Gentleman paid tribute to EMAG, and I echo that sentiment. Will he join me in particularly ...
Peter Bottomley | 497 c924 (Link to this contribution) Will the hon. Gentleman refresh the House’s memory on the time scale the ombudsman had in mind and o...
Baroness Burt of Solihull | 497 c961-2 (Link to this contribution) I shall be very brief, as I know that other Members wish to speak. I fervently hope that we are now...
Liam Byrne | 497 c928 (Link to this contribution) I shall deal with that question immediately. Speed, as the House has urged, is now of the essence. M...
John Butterfill | 497 c965 (Link to this contribution) Does the hon. Gentleman agree that many of those who took out Equitable Life policies did so in orde...
Julie Morgan | 497 c963-4 (Link to this contribution) I am thankful for the opportunity to speak briefly in this debate. First, I pay tribute to the Cardi...
Bob Spink | 497 c945 (Link to this contribution) Does the hon. Lady agree that it would show greater respect to policyholders were the Labour or the ...
Mark Hoban | 497 c940-1 (Link to this contribution) All I will say to the hon. Gentleman is that we want to see policyholders compensated quickly and fa...
Oliver Letwin | 497 c926-7 (Link to this contribution) I am grateful to the Chief Secretary for giving way at this early stage, but is it the Government’s ...
Subjects
Compensation Insurance companies Equitable Life Assurance Society Maladministration Parliamentary Commissioner for Administration Regulation Government responses Equitable Life Ex-gratia Payment Scheme Review Ex gratia payments
Link
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