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Lord Sainsbury of Turville
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House
Session
Year
Department
Member
More
Primary member
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Answering member
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Sainsbury of Turville, Lord (68)
Legislative stage
Legislation
Subject
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Publisher
SI 2006/246. Lords debate on motion to revoke. Disagreed to on division (77 to 79).
SI 2006/246. Lords debate on motion to revoke. Disagreed to on division (77 to 79).
Lead member
Lord Hunt of Wirral
Answering member
Lord Sainsbury of Turville
Department
Department of Trade and Industry
Type
Debates on delegated legislation
Legislation
Transfer of Undertakings (Protection of Employment) Regulations 2006
Subjects
Conditions of employment; Debts; Business; Employment; Liability; Insolvency; Dismissal; Protection; National Insurance Fund; Staff; Unfair dismissal
Date
3 May 2006
Reference
681 c533-46
Chamber / Committee
House of Lords chamber
House
House of Lords
My Lords, it is difficult for the Government to get into the position of trying to specify all the terms under which money is lent because that is likely to stifle competition and consumer choice. Our concern is to make certain that there is real transparency and we have brought in regulations to do that.
Noble Lords will also be aware that the Competition Commission inquiry into store cards has put forward some ideas about action that might be taken including an APR warning notice, where APR exceeds a specified threshold, but that is just one of their initial suggestions.
My Lords, it is difficult for the Government to get into the position of trying to specify all the terms under which money is lent because that is likely to stifle competition and consumer choice. Our concern is to make certain that there is real transparency and we have brought in regulations to do that.
Noble Lords will also be aware that the Competition Commission inquiry into store cards has put forward some ideas about action that might be taken including an APR warning notice, where APR exceeds a specified threshold, but that is just one of their initial suggestions.
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Baroness Greengross
(Crossbench)
Type
Oral answers to questions
My Lords, I thank the Minister for that reply. Would he be prepared to look particularly at store cards that induce customers to believe that there is an interest-free credit period but do not say, except in the smallest of print—which I cannot read—that this only applies if the entire amount borrowed is paid off? This can result in customers paying interest as high as an APR of 70 to 80 per cent on the outstanding sum. Would the Minister not agree that this is scandalous and very unfair, and that some financial health warning, similar to the health warnings on tobacco packages, should clearly be written on application forms for this type of credit card?
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1247-8
Chamber / Committee
House of Lords chamber
House
House of Lords
My Lords, we continue to have regular meetings on these issues. We produced a series of regulations covering these issues last year and we are now considering the Consumer Credit Bill which deals with these issues. A great deal of discussion is going on about them.
My Lords, we continue to have regular meetings on these issues. We produced a series of regulations covering these issues last year and we are now considering the Consumer Credit Bill which deals with these issues. A great deal of discussion is going on about them.
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Lord Clinton-Davis
(Labour)
Type
Oral answers to questions
My Lords, would my noble friend agree that a meeting between him and the relevant parties ought to be arranged as soon as possible? When I was in the Department of Trade and, later, in the Department of Trade and Industry, we frequently arranged such meetings on an informal basis. Why is that not possible now?
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1249
Chamber / Committee
House of Lords chamber
House
House of Lords
My Lords, it is generally accepted that the basis of competition should be that consumers have a clear idea of the actual products they are buying. Transparency is therefore key to this.
My Lords, it is generally accepted that the basis of competition should be that consumers have a clear idea of the actual products they are buying. Transparency is therefore key to this.
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Lord Higgins
(Conservative)
Type
Oral answers to questions
My Lords, how does making things more transparent stifle competition?
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1248
Chamber / Committee
House of Lords chamber
House
House of Lords
My Lords, specifying that documents have to be printed in a particular size print is probably over-regulation. After all, if print is very small, there are technical means, such as glasses and magnifying glasses, that can deal with it.
My Lords, specifying that documents have to be printed in a particular size print is probably over-regulation. After all, if print is very small, there are technical means, such as glasses and magnifying glasses, that can deal with it.
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Baroness O'Cathain
(Conservative)
Type
Oral answers to questions
My Lords, I may be able to help the Minister in relation to the question asked by my noble friend about the size of print, some of which is very small. Most people take a newspaper; why cannot agreements be printed in that size print?
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1248
Chamber / Committee
House of Lords chamber
House
House of Lords
My Lords, we covered this in Committee. I hope that we made it clear that if we were to specify every kind of unfair relationship it would not be future-proof and it not would capture the next areas of unfair relationships. Therefore, a broad definition is a much better way to approach this matter.
My Lords, we covered this in Committee. I hope that we made it clear that if we were to specify every kind of unfair relationship it would not be future-proof and it not would capture the next areas of unfair relationships. Therefore, a broad definition is a much better way to approach this matter.
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Lord De Mauley
(Conservative)
Type
Oral answers to questions
My Lords, why is it inappropriate to include in the Bill clear guidelines within which a creditor should keep so that all parties know where they stand and the creditor can be confident of not being in breach of the unfairness provisions? Further, would the Minister not agree that the amendments we moved in Committee in relation to the unfair relationship provisions would have clarified the position in situations similar to that referred to by the noble Baroness?
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1249
Chamber / Committee
House of Lords chamber
House
House of Lords
My Lords, it would be difficult to ascertain exactly what that level would be on a universal basis. Getting into that level of detail is exactly where regulation tends to go wrong.
My Lords, it would be difficult to ascertain exactly what that level would be on a universal basis. Getting into that level of detail is exactly where regulation tends to go wrong.
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Lord Lawson of Blaby
(Conservative)
Type
Oral answers to questions
My Lords, while I am not normally in favour of government regulation where it can be avoided, might there not be a case, particularly for those of us of a certain age, for saying that print below a certain size is not legally binding?
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1248
Chamber / Committee
House of Lords chamber
House
House of Lords
My Lords, it is important that lenders behave responsibly when lending. Action has been taken to make certain that that happens. APACS is looking at ways to ensure that lenders adhere to the banking code and its best practice guidelines stop lenders lending to vulnerable people by sharing data and so on. That seems to be the way that we should deal with this issue, rather than trying to specify all the details on lending, because once one does that, one has to specify everything. If one hole is stopped up by, say, putting a cap on interest, it simply leads to action in other areas and that would not only stifle competition but would also lead to incredible bureaucracy.
My Lords, it is important that lenders behave responsibly when lending. Action has been taken to make certain that that happens. APACS is looking at ways to ensure that lenders adhere to the banking code and its best practice guidelines stop lenders lending to vulnerable people by sharing data and so on. That seems to be the way that we should deal with this issue, rather than trying to specify all the details on lending, because once one does that, one has to specify everything. If one hole is stopped up by, say, putting a cap on interest, it simply leads to action in other areas and that would not only stifle competition but would also lead to incredible bureaucracy.
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Bishop of Salisbury
(Bishops (affiliation))
Type
Oral answers to questions
My Lords, I wonder whether the Minister remembers when banks issued cards with the legend, "Access takes the waiting out of wanting"? Is he prepared to continue to justify leading some of the more vulnerable people in our society into overspending when there are means, which would not wholly reduce the unbridled competition that he so clearly desires, that could be put into effect?
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1248-9
Chamber / Committee
House of Lords chamber
House
House of Lords
My Lords, as I pointed out, the Consumer Credit (Disclosure of Information) Regulations 2004 set out in great detail what should be included in agreements.
My Lords, as I pointed out, the Consumer Credit (Disclosure of Information) Regulations 2004 set out in great detail what should be included in agreements.
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Earl of Mar and Kellie
(Liberal Democrat)
Type
Oral answers to questions
My Lords, what can the Minister do to ensure that the principal terms of trade are printed boldly so that they can easily be understood?
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1248
Chamber / Committee
House of Lords chamber
House
House of Lords
My Lords, there are no plans to include any provisions in the Consumer Credit Bill that would address the specific issue raised by the noble Baroness. However, in 2004, regulations came into force that require lenders to give consumers clear information about the key features of credit products, including the way in which interest is treated.
The Consumer Credit Bill will also improve consumers’ rights by giving them more effective options to challenge unfairness in credit relationships, and to resolve disputes with lenders. It will also improve the powers of the Office of Fair Trading to take action against lenders who exploit or harm consumers.
My Lords, there are no plans to include any provisions in the Consumer Credit Bill that would address the specific issue raised by the noble Baroness. However, in 2004, regulations came into force that require lenders to give consumers clear information about the key features of credit products, including the way in which interest is treated.
The Consumer Credit Bill will also improve consumers’ rights by giving them more effective options to challenge unfairness in credit relationships, and to resolve disputes with lenders. It will also improve the powers of the Office of Fair Trading to take action against lenders who exploit or harm consumers.
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Baroness Greengross
(Crossbench)
Type
Oral answers to questions
Whether they intend to include provision in the Consumer Credit Bill to prevent store card providers charging interest on the full statement value from the date of first purchase, in circumstances where the card-holder has already paid off most of the balance.
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1247
Chamber / Committee
House of Lords chamber
House
House of Lords
Whether they intend to include provision in the Consumer Credit Bill to prevent store card providers charging interest on the full statement value from the date of first purchase, in circumstances where the card-holder has already paid off most of the balance.
Whether they intend to include provision in the Consumer Credit Bill to prevent store card providers charging interest on the full statement value from the date of first purchase, in circumstances where the card-holder has already paid off most of the balance.
Asked by
Baroness Greengross
(Crossbench)
Answered by
Lord Sainsbury of Turville
(Labour)
Oral questions - Lead
Status
Answered
For answer on
14 December 2005
Answered on
14 December 2005
My Lords, there are no plans to include any provisions in the Consumer Credit Bill that would address the specific issue raised by the noble Baroness. However, in 2004, regulations came into force that require lenders to give consumers clear information about the key features of credit products, including the way in which interest is treated.
The Consumer Credit Bill will also improve consumers’ rights by giving them more effective options to challenge unfairness in credit relationships, and to resolve disputes with lenders. It will also improve the powers of the Office of Fair Trading to take action against lenders who exploit or harm consumers.
Legislation
Consumer Credit Bill 2005-06
Subjects
Consumers; Credit cards; Interest charges; Protection; Retail trade
Date
14 December 2005
Reference
676 c1247
Chamber / Committee
House of Lords chamber
House
House of Lords
What steps they are taking to ensure that United Kingdom consumers are aware of their rights in the single European market, in terms of purchase and credit contracts.
What steps they are taking to ensure that United Kingdom consumers are aware of their rights in the single European market, in terms of purchase and credit contracts.
Asked by
Lord Dykes
(Liberal Democrat)
Answered by
Lord Sainsbury of Turville
(Labour)
Type
Written questions
Status
Answered
Answered on
2 November 2005
The European Consumer Centre (ECC) provides advice and assistance to consumers with queries about goods and services purchased from a trader based in another member state, including those purchased by a credit card. The ECC also distributes information on national and European consumer legislation and how it can be used in the UK. In the UK the ECC function is delivered by Citizens Advice, funded by both the European Commission and the Department of Trade and Industry.The ECC can also direct unresolved cross-border consumer queries to alternative dispute resolution (ADR) schemes, such as ombudsmen and arbitration, in other member states through a network of national clearing houses.The euroconsumer website (www.euroconsumer. org.uk), developed by the UK ECC and launched in June 2004 provides top tips on avoiding problems, fact sheets on specific issues, contact details of UK ADR bodies, and a page to log queries. The site contains information on the importance of contacting the trader initially and how to do this. It also contains addresses and links to network partners in other member states.The Department of Trade and Industry also fund Consumer Direct, a telephone and online consumer advice service. Consumer Direct signpost any individuals with queries regarding their consumer rights in the single European market, to the UK ECC.The Department of Trade and Industry website provides consumers with information on buying goods and services in other EU member states and details the effect of EU directives on subjects such as sale of goods, timeshare and distance and doorstep selling. It also provides links to consumer advice organisations such as the UK ECC and Consumer Direct.
Subjects
Consumers; Credit; Advisory services; EU internal trade; Protection; Sales
Date
2 November 2005
Reference
1909; 675 c20-1WA
House
House of Lords
Lords debate on motion to take note of the report of the European Union Committee on Completing the Internal Market in Services (HL 23 2005-06). Agreed to on question.
Lords debate on motion to take note of the report of the European Union Committee on Completing the Internal Market in Services (HL 23 2005-06). Agreed to on question.
Lead member
Lord Woolmer of Leeds
Answering member
Lord Sainsbury of Turville
Department
Department of Trade and Industry; European Union Committee
Type
Debates on select committee reports
Subjects
Conditions of employment; Consumers; Health services; Health and safety; EU internal trade; EU action; Protection; Standards; Small businesses; Regulation; Service industries
Date
14 October 2005
Reference
674 c497-522
Chamber / Committee
House of Lords chamber
House
House of Lords
Whether they propose to implement the recommendation of the Hampton review of regulatory inspection and enforcement concerning the move of the Office of Fair Trading’s consumer functions to a new consumer and standards regulator.
Whether they propose to implement the recommendation of the Hampton review of regulatory inspection and enforcement concerning the move of the Office of Fair Trading’s consumer functions to a new consumer and standards regulator.
Asked by
Lord Taylor of Warwick
(Conservative)
Answered by
Lord Sainsbury of Turville
(Labour)
Type
Written questions
Status
Answered
Answered on
21 July 2005
The Government have accepted the recommendations of the Hampton review, and a consultation on the options for establishing the Consumer and Trading Standards Agency (CTSA) was released on 5 July 2005. The consultation addresses potential roles and responsibilities and seeks views on the best options for the future structure of the CTSA.
Subjects
Consumers; Inspections; Enforcement; Protection; Office of Fair Trading; Regulation; Trading standards; Consumer and Trading Standards Agency
Date
21 July 2005
Reference
1446; 673 c282WA
House
House of Lords
Lords debate on unstarred question on what steps Her Majesty's Government are taking to protect intellectual property rights for the creative industries.
Lords debate on unstarred question on what steps Her Majesty's Government are taking to protect intellectual property rights for the creative industries.
Lead member
Baroness Buscombe
Answering member
Lord Sainsbury of Turville
Department
Department of Trade and Industry
Type
Questions for short debate
Subjects
Arts; Audio recordings; Copyright; Counterfeit manufacturing; Digital technology; Enforcement; Film; Intellectual property; Internet; Entertainers; EU action; Protection; Music; Patent Office; Video piracy
Date
22 June 2005
Reference
672 c1687-99
Chamber / Committee
House of Lords chamber
House
House of Lords
Lords debate on Queens speech (second day) on industry and economic affairs.
Lords debate on Queens speech (second day) on industry and economic affairs.
Lead member
Lord McKenzie of Luton
Answering member
Lord Sainsbury of Turville
Department
Department of Trade and Industry; Treasury
Type
Queen's speech debates
Procedure
Addresses to the Crown
Subjects
Consumers; Company law; Cost effectiveness; Business; Credit agreements; Equality; Housing; Energy supply; Equality and Human Rights Commission; Innovation; Fiscal policy; Higher education; Economic situation; Economic policy; Flexible working; Economic growth; Protection; Public expenditure; Mortgages; Training; Regulation; Taxation; Science; Islam; Productivity; Trade competitiveness; Equity
Date
18 May 2005
Reference
672 c26-108
Chamber / Committee
House of Lords chamber
House
House of Lords
Answered by
Lord Sainsbury of Turville
(Labour)
Asked by
Lord Faulkner of Worcester
(Labour)
Type
Oral answers to questions
What steps they are taking to curb the activities of companies which make unsolicited telephone calls to householders with the intention of inducing them to ring premium rate phone lines to claim non-existent prizes.
Subjects
Consumers; Direct selling; Fraud; Fees and charges; Foreign companies; Protection; Regulation; Telephone services; Unfair practices; Unsolicited goods and services; Prizes
Date
21 March 2005
Reference
671 c1-2
Chamber / Committee
House of Lords chamber
House
House of Lords
Answered by
Lord Sainsbury of Turville
(Labour)
Type
Oral answers to questions
Subjects
Consumers; Direct selling; Fraud; Fees and charges; Foreign companies; Protection; Regulation; Telephone services; Unfair practices; Unsolicited goods and services; Prizes
Date
21 March 2005
Reference
671 c1-2
Chamber / Committee
House of Lords chamber
House
House of Lords
What steps they are taking to curb the activities of companies which make unsolicited telephone calls to householders with the intention of inducing them to ring premium rate phone lines to claim non-existent prizes.
What steps they are taking to curb the activities of companies which make unsolicited telephone calls to householders with the intention of inducing them to ring premium rate phone lines to claim non-existent prizes.
Asked by
Lord Faulkner of Worcester
(Labour)
Answered by
Lord Sainsbury of Turville
(Labour)
Oral questions - Lead
Status
Answered
For answer on
21 March 2005
Answered on
21 March 2005
Subjects
Consumers; Direct selling; Fraud; Fees and charges; Foreign companies; Protection; Regulation; Telephone services; Unfair practices; Unsolicited goods and services; Prizes
Date
21 March 2005
Reference
671 c1-2
Chamber / Committee
House of Lords chamber
House
House of Lords
Whether they plan to take action to ensure that retailers who take deposits from customers are obliged to arrange fidelity insurance or similar protection to cover the consequences of insolvency of the retailer before delivery of the goods [Hl 432].
Whether they plan to take action to ensure that retailers who take deposits from customers are obliged to arrange fidelity insurance or similar protection to cover the consequences of insolvency of the retailer before delivery of the goods [Hl 432].
Asked by
Baroness Noakes
(Conservative)
Answered by
Lord Sainsbury of Turville
(Labour)
Type
Written questions
Status
Answered
For answer on
10 February 2005
Answered on
10 February 2005
Subjects
Consumers; Deposits; Insolvency; Insurance; Protection; Retail trade
Date
10 February 2005
Reference
669 c139WA
House
House of Lords