preventing fraud under no win no fee

Unfortunately, Conditional Fee Agreements are a huge enticement to those that wish to bring fraudulent claims, because with the use of an after the event legal expenses policy they provide a claimant with a consequence-free entitlement to litigate. If the claim fails, the Claimant’s solicitor does not charge his client and the insurance policy should pay the other parties costs.  Unfortunately if a policyholder (the claimant) has lied to his insurer (i.e. to say that he was in an accident when he was not) the insurer can void the policy on the basis of its policyholder’s misrepresentation and get out of paying the otherside’s costs. This means that Defendants that do their “job” of defending cases successfully, may not recover the costs for doing so. This loop hole costs defendants (including local authorities) thousands of pounds per case.

If the law, that already exists for vehicle insurance, is extended to cover after the event legal expense policies, so that in the event a claim fails, the insurer must pay the other party’s costs, defendants can be assured that it is financially worth defending fraudulent claims. The insurer will have a right to pursue their policyholder for the payout, which should deter some would be fraudulent claimants, and if not, at least encourage the after the event insurers to vet their policyholders properly before they underwrite the claims.

Why is this idea important?

Unfortunately, Conditional Fee Agreements are a huge enticement to those that wish to bring fraudulent claims, because with the use of an after the event legal expenses policy they provide a claimant with a consequence-free entitlement to litigate. If the claim fails, the Claimant’s solicitor does not charge his client and the insurance policy should pay the other parties costs.  Unfortunately if a policyholder (the claimant) has lied to his insurer (i.e. to say that he was in an accident when he was not) the insurer can void the policy on the basis of its policyholder’s misrepresentation and get out of paying the otherside’s costs. This means that Defendants that do their “job” of defending cases successfully, may not recover the costs for doing so. This loop hole costs defendants (including local authorities) thousands of pounds per case.

If the law, that already exists for vehicle insurance, is extended to cover after the event legal expense policies, so that in the event a claim fails, the insurer must pay the other party’s costs, defendants can be assured that it is financially worth defending fraudulent claims. The insurer will have a right to pursue their policyholder for the payout, which should deter some would be fraudulent claimants, and if not, at least encourage the after the event insurers to vet their policyholders properly before they underwrite the claims.

Streamline CRB checks

Streamline CRB checks:

Stop paper forms

Move to online or alternative protected programme

Allow users (eg schools, nurseries, care homes etc) to become registered to use the site, pay an annual fee and pay a reduced fee for each search required.

Allow reduced rate for an annual check on current employees (previously checked).

Alert information if a current employees information changes. 

Why is this idea important?

Streamline CRB checks:

Stop paper forms

Move to online or alternative protected programme

Allow users (eg schools, nurseries, care homes etc) to become registered to use the site, pay an annual fee and pay a reduced fee for each search required.

Allow reduced rate for an annual check on current employees (previously checked).

Alert information if a current employees information changes. 

No Need to Renew Driving Licence Photo every 10 years

Why have the driving licence photo renewed every 10 years? Do people really change that much in 10 years? I think not! This could be extended to every 20 years or preferably abolished all together, with the exception of a new licence at retirement / 70 or whichever was deemed most appropriate.

Why is this idea important?

Why have the driving licence photo renewed every 10 years? Do people really change that much in 10 years? I think not! This could be extended to every 20 years or preferably abolished all together, with the exception of a new licence at retirement / 70 or whichever was deemed most appropriate.

24Hr working to avoid disruption.

when resurfacing roads, upgrading raiways  etc etc etc 

Why cant the job be done 24/7 to get the job done quickly and at a lot lower cost, There should be good project management to ensur all can be completed and this with strict pleneties if not should be in place.

I am sure that if the rail track was closed for a week the public would accept it knowing that woyld be the end of it , what the public does not like is the job going on forever and not knowing when and if it will be running next ,

This principle of upsetting the public,  remember they are the customer who is paying for all this in taxes but also in so many other ways, there seems to be a total lack of respect for the end consumer.

Why is this idea important?

when resurfacing roads, upgrading raiways  etc etc etc 

Why cant the job be done 24/7 to get the job done quickly and at a lot lower cost, There should be good project management to ensur all can be completed and this with strict pleneties if not should be in place.

I am sure that if the rail track was closed for a week the public would accept it knowing that woyld be the end of it , what the public does not like is the job going on forever and not knowing when and if it will be running next ,

This principle of upsetting the public,  remember they are the customer who is paying for all this in taxes but also in so many other ways, there seems to be a total lack of respect for the end consumer.

Scrap PCSO’s

Scrap Police Community Support Officer's, they are shown to be ineffective. Studies show that they solve 0 crimes a year, wheras Constables solve 11 a year. Spend the money on more constables instead, they are effective and do everything and more that PCSO's do.

Conservatives were planning to scrap PCSO's anyway, since the Policing Pledge was scrapped last week, now's the time.

Why is this idea important?

Scrap Police Community Support Officer's, they are shown to be ineffective. Studies show that they solve 0 crimes a year, wheras Constables solve 11 a year. Spend the money on more constables instead, they are effective and do everything and more that PCSO's do.

Conservatives were planning to scrap PCSO's anyway, since the Policing Pledge was scrapped last week, now's the time.

CRB

CRB checks should have NATIONAL VALIDITY.  i AGREE WITH THE CHECKS BUT BELIEVE THERE SHOULD ONLY BE ONE (HIGHER) LEVEL OF CHECK.  Having thus done a thorough check it should have national validity for a set period – 3 to 5 years – after which it should be renewed, with the ease of only having to check back for the period of 3 to 5 years (whatever is the selected period).

Too many voluntary organisations waste their valuable resources (time and money) under the present system.  I currently have 3 CRB checks.  Save money, save time and save dignity – it is offensive to keep jumping through the same hoops.

BobT

Why is this idea important?

CRB checks should have NATIONAL VALIDITY.  i AGREE WITH THE CHECKS BUT BELIEVE THERE SHOULD ONLY BE ONE (HIGHER) LEVEL OF CHECK.  Having thus done a thorough check it should have national validity for a set period – 3 to 5 years – after which it should be renewed, with the ease of only having to check back for the period of 3 to 5 years (whatever is the selected period).

Too many voluntary organisations waste their valuable resources (time and money) under the present system.  I currently have 3 CRB checks.  Save money, save time and save dignity – it is offensive to keep jumping through the same hoops.

BobT

Abolish all Taxation other than Income Tax and Abolish Regional Government

This may seem an extreme suggestion, but let me explain.  I'm not sure how many different taxes there are in the UK, but whatever number I guess at, it's sure to be wrong because new taxes are invented pretty regularly. Suffice to say there are hundreds.

The problem is that for every tax, and for every function of Government both nationally and regionally, there is a massive civil servant empire to be funded before the tax actually does what is intended.

The costs pile up, not only is there the obvious infrastructure, buildings to be bought, refurbished, offices to be built and equipped, there are also staffing costs, supervisory staff costs, and of course the obligatory higher staff with a group of directors who get paid annually what most of us will never see in our lifetimes.  In addition, there are the costs of their pensions which in the case of all, is index linked.  If any directors that are found to have done a less than satisfactory job, they are usually paid off with a few million pounds.

We have to pay for Scottish, Irish and Welsh regional governments, and of course the thousands of local government offices and staff, not to mention the biggest quango of them all – The EEC.

We are currently in a recession, and depending on who you listen to, the light at the end of the tunnel is still a long way off, we can no longer afford these regional quangos

Why is this idea important?

This may seem an extreme suggestion, but let me explain.  I'm not sure how many different taxes there are in the UK, but whatever number I guess at, it's sure to be wrong because new taxes are invented pretty regularly. Suffice to say there are hundreds.

The problem is that for every tax, and for every function of Government both nationally and regionally, there is a massive civil servant empire to be funded before the tax actually does what is intended.

The costs pile up, not only is there the obvious infrastructure, buildings to be bought, refurbished, offices to be built and equipped, there are also staffing costs, supervisory staff costs, and of course the obligatory higher staff with a group of directors who get paid annually what most of us will never see in our lifetimes.  In addition, there are the costs of their pensions which in the case of all, is index linked.  If any directors that are found to have done a less than satisfactory job, they are usually paid off with a few million pounds.

We have to pay for Scottish, Irish and Welsh regional governments, and of course the thousands of local government offices and staff, not to mention the biggest quango of them all – The EEC.

We are currently in a recession, and depending on who you listen to, the light at the end of the tunnel is still a long way off, we can no longer afford these regional quangos

Why save money in the NHS if your punished for it?

There are two issues here. The NHS wastes so much of the money it invests because managers and consultants (buisness one's) don't have the relevant backgrounds to understand the 'ethos' of the NHS, they look purely at management styles and techniques inherited from the buisness sector.. Often contracts are agreed that tie the NHS to over inflated contractors who know the NHS 'must' have it, so they inflate the price. I have seen so much wasted investment over the 27yrs I have worked in the NHS in varying fields.

A suggestion I would make is to free up the ability of the ward managers to shop around for goods and services like we can all do. The current system which punishes an underspend at the end of the year is mindless and gives no incentivefor saving or being cost aware i.e Spend anything not spent or it will be deducted from next years money (because it will be seen that you mustn't have needed it to have saved it) is punishing good budgeting.. Allow any savings made to be added to the next years budget, so there's an incentive for the staff to be cost effective. If ward managers where allowed to shop around instead of being tied to NHS logistics etc who inflate costs because the NHS need it is wasteful. An example being.. I ordered a vaccination fridge from our suppliers (cost £600).. the same fridge I could have bought for £200.. 3 x the cost because I wasn't allowed to buy myself.. this is just a tiny example of the waste.. Printing/paper costs are wasteful due to having to scrap all the stock paper because we have to include someone elses logo on the paper, which isn't on the originals.. tons and tons of paper that is of no use.. surely, this corporate driven waste can be managed in another way?

I'm not going to go on because I doubt anything will happen as a result of this.. If you need or want to here more of my ideas then you have my details and I would be delighted to assist if I could.

 

Regards,

 

Joe Muller

Why is this idea important?

There are two issues here. The NHS wastes so much of the money it invests because managers and consultants (buisness one's) don't have the relevant backgrounds to understand the 'ethos' of the NHS, they look purely at management styles and techniques inherited from the buisness sector.. Often contracts are agreed that tie the NHS to over inflated contractors who know the NHS 'must' have it, so they inflate the price. I have seen so much wasted investment over the 27yrs I have worked in the NHS in varying fields.

A suggestion I would make is to free up the ability of the ward managers to shop around for goods and services like we can all do. The current system which punishes an underspend at the end of the year is mindless and gives no incentivefor saving or being cost aware i.e Spend anything not spent or it will be deducted from next years money (because it will be seen that you mustn't have needed it to have saved it) is punishing good budgeting.. Allow any savings made to be added to the next years budget, so there's an incentive for the staff to be cost effective. If ward managers where allowed to shop around instead of being tied to NHS logistics etc who inflate costs because the NHS need it is wasteful. An example being.. I ordered a vaccination fridge from our suppliers (cost £600).. the same fridge I could have bought for £200.. 3 x the cost because I wasn't allowed to buy myself.. this is just a tiny example of the waste.. Printing/paper costs are wasteful due to having to scrap all the stock paper because we have to include someone elses logo on the paper, which isn't on the originals.. tons and tons of paper that is of no use.. surely, this corporate driven waste can be managed in another way?

I'm not going to go on because I doubt anything will happen as a result of this.. If you need or want to here more of my ideas then you have my details and I would be delighted to assist if I could.

 

Regards,

 

Joe Muller

Amend the Freedom of Information Act

Amend the Freedom of Information (FOI) act so the requestor of the information must bear some of the cost and inconvenience in requesting this information and justify why they want it.

Why is this idea important?

Amend the Freedom of Information (FOI) act so the requestor of the information must bear some of the cost and inconvenience in requesting this information and justify why they want it.

Scrap or limit maternity/paternity pay and leave for small businesses and public sector

Getting pregnant is a choice

Why should taxpayers (for public sector) or emplyers be forced to pay you for making that choice?

I would like to employ some people for my fledgling business, but frankly I can't run the risk of employing someone under 40 because of the increasing chance that after six months, they or tehir partner will get pregnant, and demand six months pay from me for no work

I can't afford it

Why is this idea important?

Getting pregnant is a choice

Why should taxpayers (for public sector) or emplyers be forced to pay you for making that choice?

I would like to employ some people for my fledgling business, but frankly I can't run the risk of employing someone under 40 because of the increasing chance that after six months, they or tehir partner will get pregnant, and demand six months pay from me for no work

I can't afford it