1-17 of 17 results for subject:Misrepresentation
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To ask the Secretary of State for Business, Innovation and Skills, for what reasons publication of the final report on the review of enforcement of the Consumer Protection from Unfair Trading Regulations 2008 in respect of copycat packaging has been delayed; and when he plans to publish that report.
To ask the Secretary of State for Business, Innovation and Skills, for what reasons publication of the final report on the review of enforcement of the Consumer Protection from Unfair Trading Regulations 2008 in respect of copycat packaging has been delayed; and when he plans to publish that report.
I regret that it has not yet proved possible to publish the report. The detailed and full responses we received have led to officials making further inquiries into a number of issues. It is important that the views of interested parties are properly considered, and that we take the necessary time to do this. We will issue the report as soon as possible.
To ask the Secretary of State for Business, Innovation and Skills, what timetable the Government has in place to provide civil injunctive powers to businesses, in respect of copycat packaging, under the Consumer Protection from Unfair Trading Regulations 2008.
To ask the Secretary of State for Business, Innovation and Skills, what timetable the Government has in place to provide civil injunctive powers to businesses, in respect of copycat packaging, under the Consumer Protection from Unfair Trading Regulations 2008.
No timetable has been set as no decision has been taken to provide civil injunctive powers for businesses, in respect of copycat packaging, under the Consumer Protection from Unfair Trading Regulations 2008. We will issue a report on this subject as soon as possible.
To ask the Secretary of State for Business, Innovation and Skills, which organisations the Minister for (a) Intellectual Property and (b) Employment Relations and Consumer Affairs has met to discuss the review of enforcement of the Consumer Protection from Unfair Trading Regulations 2008 in respect of copycat packaging.
To ask the Secretary of State for Business, Innovation and Skills, which organisations the Minister for (a) Intellectual Property and (b) Employment Relations and Consumer Affairs has met to discuss the review of enforcement of the Consumer Protection from Unfair Trading Regulations 2008 in respect of copycat packaging.
Neither my noble Friend the Minister for Intellectual Property nor I have met with any organisations to discuss this review. However, officials have met with a number of organisations which responded to our Call for Evidence on this issue including at a stakeholder event organised last year.
To ask the Secretary of State for Business, Innovation and Skills, what steps he is taking to raise consumers' awareness of their rights following poor service from fact-checking websites for Government-provided services such as the EHIC card.
To ask the Secretary of State for Business, Innovation and Skills, what steps he is taking to raise consumers' awareness of their rights following poor service from fact-checking websites for Government-provided services such as the EHIC card.
As the focal point of delivery of all government-funded consumer advice and information, the Citizens Advice Service is a one stop shop where consumers can find advice about their rights from a team of consumer advice experts but if they feel they have had poor service from a fact checking websites.
Citizens Advice and Citizens Advice Scotland can advise on consumers’ rights under the Consumer Protection from unfair Trading Regulations (CPRs). These regulations set out broad rules outlining when commercial practices are unfair. These fall into three main categories:
- Misleading practices, like false or deceptive information or descriptions, or being misleading by leaving out important information.
- Aggressive sales techniques that use harassment, coercion or undue influence.
- Conduct below a level which may reasonable be expected towards consumers (honest market practice/good faith).
Consumers can contact Citizens Advice consumer helpline on 03454 04 05 06 or use the website: www.adviceguide.org.uk.
In addition, anyone wishing to report a copycat website can find information on GOV.UK - Avoid and report Internet Scams and Phishing, which provides information for common services affected including tax and passports.
As the member for Colne Valley was advised by my right honourable Friend the Minister for the Cabinet Office on 26th February, the Government is working with search engine providers and others such as the Advertising Standards Authority (ASA) and National Trading Standards Board (NTSB) to address the problems that can arise from misleading / copycat websites in relation to official government online services.
The Advertising Standards Associations (ASA) has responsibility for ensuring compliance with the British Code of Advertising, Sales Promotion and Direct Marketing. Complaints about misleading advertisements can be made through ASA’s website at: www.asa.org.uk.
However, the best place to access official government services remains GOV.UK, the single website for government. Action is taken against websites that pass themselves off as Government sites, or claim to be acting on behalf of the Government when they are not. Last year four search warrants were executed on properties in England. The operation led to the arrest of five individuals and disrupted the operation of at least 25 copycat websites.
To ask the Chancellor of the Exchequer what steps his Department is taking to ensure that vulnerable people are not missold loans they cannot afford to repay.
[158770]
To ask the Chancellor of the Exchequer what steps his Department is taking to ensure that vulnerable people are not missold loans they cannot afford to repay.
[158770]
I have been asked to reply on behalf of the Department for Business Innovation and Skills.
As set out in the coalition agreement, the Government is committed to curbing unsustainable lending and improving consumer protections, particularly for the most vulnerable in society. The Government has taken a number of steps to deliver on this commitment.
All lenders are required by law, under section 55B of the Consumer Credit Act (CCA) to assess a borrower's creditworthiness before providing credit or significantly increasing the amount of credit extended.
Under the CCA, the Office of Fair Trading (OFT) is responsible for licensing lenders and can take action against businesses that engage in unfair practices or exploit vulnerable consumers.
The OFT sets out clearly in its ‘Irresponsible Lending Guidance’ the responsibility of lenders to conduct proper assessments of affordability before granting credit.
Further, the OFT has statutory powers to tackle non-compliance where there is evidence that a firm is in breach of the law or not meeting the required standards. The CCA 2006 made it explicit that evidence of irresponsible lending will call into question a firm's fitness to hold a consumer credit licence. More recently Government has given the OFT the power to suspend a lender's licence with immediate effect if there is serious risk of harm to consumers.
There are clear concerns about payday lenders providing loans to those who cannot afford them. The OFT is currently taking stringent action on non-compliant payday lenders as a top enforcement priority. The revised payday lending codes implemented last November also commit members of the main payday trade bodies to carry out sound, proper and appropriate affordability assessments and credit vetting before each loan application and before a loan is rolled over to check a customer's ability to repay.
Government is transferring the regulation of consumer credit from the OFT to the Financial Conduct Authority from April 2014. The FCA will have a wide range of strong powers to tackle consumer detriment including the ability to ban products, order redress to be paid to consumers and impose unlimited fines.
To ask the Chancellor of the Exchequer what steps his Department is taking to help people who have been missold loans by high street banks.
[158768]
To ask the Chancellor of the Exchequer what steps his Department is taking to help people who have been missold loans by high street banks.
[158768]
I have been asked to reply on behalf of the Department for Business, Innovation and Skills.
Consumers who believe they have been missold a financial product by a lender can complain to the Financial Ombudsman Service(FOS)—an independent body set up, through the Financial Services and Markets Act (FSMA) 2001, to provide arbitration between businesses that provide financial services and their customers, as an alternative to the civil courts.
Government has also decided to transfer the regulation of consumer credit from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) from April 2014. The FCA will have its own powers to require firms to establish redress schemes and require reimbursement.
To ask the Secretary of State for Business, Innovation and Skills when research by the Intellectual Property Office into the impact of copycat packaging will be published.
[142705]
To ask the Secretary of State for Business, Innovation and Skills when research by the Intellectual Property Office into the impact of copycat packaging will be published.
[142705]
The research commissioned by the Intellectual Property Office, "The Impact of Lookalikes: Similar Packaging and Fast-moving Consumer Goods", will be published in the spring.
I am today publishing the Government’s response to consultations on amending the Estate Agents Act 1979 (EAA) and repealing the Property Misdescriptions Act 1991 (PMA). A limited deregulation of the EAA to take private sale intermediaries out of scope of the Act will provide clarity which the Government expect will...
I am today publishing the Government’s response to consultations on amending the Estate Agents Act 1979 (EAA) and repealing the Property Misdescriptions Act 1991 (PMA). A limited deregulation of the EAA to take private sale intermediaries out of scope of the Act will provide clarity which the Government expect will...
Westminster Hall adjournment debate on bogus charitable collections and misleading advertising.
Westminster Hall adjournment debate on bogus charitable collections and misleading advertising.
I am not aware of any convictions, but there have been occasions where there was an opportunity for them, such as in the case I outlined earlier where the opportunity was spectacularly missed. Perhaps the Minister will have further information on whether there have been any convictions so far. A...
I am not aware of any convictions, but there have been occasions where there was an opportunity for them, such as in the case I outlined earlier where the opportunity was spectacularly missed. Perhaps the Minister will have further information on whether there have been any convictions so far. A...
I welcome that intervention. That is true to an extent, and certainly with the less unscrupulous companies. They have started putting their company registration numbers on their leaflets, and in some cases, they have started prominently saying that they are a commercial collecting company, that that is their aim and...
I welcome that intervention. That is true to an extent, and certainly with the less unscrupulous companies. They have started putting their company registration numbers on their leaflets, and in some cases, they have started prominently saying that they are a commercial collecting company, that that is their aim and...
I welcome the hon. Gentleman’s intervention. He makes an important point, which I shall come to later in my speech. The police should be involved in the matter, but it is often difficult to get them to take it seriously as theft. The ASA has problems even when it upholds...
I welcome the hon. Gentleman’s intervention. He makes an important point, which I shall come to later in my speech. The police should be involved in the matter, but it is often difficult to get them to take it seriously as theft. The ASA has problems even when it upholds...
I welcome the opportunity to have this debate on an issue of great and growing concern. I hope that we will have a positive and productive debate, and I welcome the interest in the issue that the Minister has shown already, not least when we had a chat about it...
I welcome the opportunity to have this debate on an issue of great and growing concern. I hope that we will have a positive and productive debate, and I welcome the interest in the issue that the Minister has shown already, not least when we had a chat about it...
I welcome the news that there is a plan to bring together all the stakeholders on this issue. Is there some idea of the time scale for such a meeting? When is it likely to take place?
I welcome the news that there is a plan to bring together all the stakeholders on this issue. Is there some idea of the time scale for such a meeting? When is it likely to take place?
In the final few seconds, will the Minister touch on what more the police could do and how we could get a better response from them on this issue?
In the final few seconds, will the Minister touch on what more the police could do and how we could get a better response from them on this issue?
That this House condemns the mis-selling of land, including greenbelt, rurally farmed and other rural and semi-rural land, on the basis of future development when there is no planning permission or likelihood of planning permission being granted and in many cases no realistic possibility of development on the site; and calls upon the Government to introduce legislation to outlaw this unacceptable practice and to regulate companies, including partnerships and individuals, who buy and sell land.
That this House condemns the mis-selling of land, including greenbelt, rurally farmed and other rural and semi-rural land, on the basis of future development when there is no planning permission or likelihood of planning permission being granted and in many cases no realistic possibility of development on the site; and...
That this House notes that the Government has acknowledged that there is a problem in relation to the regulation of endowment mortgages prior to 1st December 2001 whereby clients who accessed an endowment mortgage from a solicitor in Scotland who was not subject to Financial Services Authority regulation, do not benefit from the framework of protection afforded to others who have been mis-sold endowment policies; and calls on the Government to investigate a remedy to this grossly unfair anomaly.
That this House notes that the Government has acknowledged that there is a problem in relation to the regulation of endowment mortgages prior to 1st December 2001 whereby clients who accessed an endowment mortgage from a solicitor in Scotland who was not subject to Financial Services Authority regulation, do not...