End the Export Credit Guarantee Fund

The export credit guarantee fund ensures that British arms manufacturers get paid even if a foreign client reneges on payment. In other words when a client state agrees to pay £10 billion for a defence package that client state may decide after it has received the goods that it can't afford to pay for them so the British taxpayer pays. Originally this was designed to protect our arms industry but it now seems to have become a byword for robbery and corruption. Clients agree to a sum knowing full well they will never pay more than half and the British taxpayer will cover the outstanding balance. Anonymous Brits in suits give their blessing to arms deals and receive briefcases full of money. What's a few mill when you're getting a 50% reduction on 10 Billion?

Why is this idea important?

The export credit guarantee fund ensures that British arms manufacturers get paid even if a foreign client reneges on payment. In other words when a client state agrees to pay £10 billion for a defence package that client state may decide after it has received the goods that it can't afford to pay for them so the British taxpayer pays. Originally this was designed to protect our arms industry but it now seems to have become a byword for robbery and corruption. Clients agree to a sum knowing full well they will never pay more than half and the British taxpayer will cover the outstanding balance. Anonymous Brits in suits give their blessing to arms deals and receive briefcases full of money. What's a few mill when you're getting a 50% reduction on 10 Billion?

Right to privacy

With the increase of third party quangos having more and more access to your personal records.   This can only be bad and open to clear violations of an individuals right to privacy.

 

The Terrorism powers allow more snooping into peoples private lives.

 

The use of Third party providers. Profit making companies to provide help for the unemployed.  This gives them more and more accesss to your personal info. With the latest coerced labour scenario you have no right to silence,no privacy, you have to tell them everything you do. Infact the only thing that aint regulated ans sanctions imposed for as far as I am aware is flatulence.

Why is this idea important?

With the increase of third party quangos having more and more access to your personal records.   This can only be bad and open to clear violations of an individuals right to privacy.

 

The Terrorism powers allow more snooping into peoples private lives.

 

The use of Third party providers. Profit making companies to provide help for the unemployed.  This gives them more and more accesss to your personal info. With the latest coerced labour scenario you have no right to silence,no privacy, you have to tell them everything you do. Infact the only thing that aint regulated ans sanctions imposed for as far as I am aware is flatulence.

Free annual credit reports for everyone

We should follow the example of the USA – US citizens get access to one free credit report each year so why can't we. Although we've recently been given quicker access to credit files, you still have to pay £2 for each report you get from a credit reference agency and sometimes you need one from all of the three major ones just to get a rounded view of your credit history (a total of £6 a year).

Why is this idea important?

We should follow the example of the USA – US citizens get access to one free credit report each year so why can't we. Although we've recently been given quicker access to credit files, you still have to pay £2 for each report you get from a credit reference agency and sometimes you need one from all of the three major ones just to get a rounded view of your credit history (a total of £6 a year).

Better regulation of credit reference agencies

Credit reference agencies should provide individuals personal data they hold on demand and without charge. Credit reference agencies laread make huge sums of money from charging us to access our own data and selling it on to other credit suppliers.

Credit reference agencies should also be forced to investigate any requests made by individuals about possible errors on their file, during any dispute period the disputed entries should be removed until the resolved.

Why is this idea important?

Credit reference agencies should provide individuals personal data they hold on demand and without charge. Credit reference agencies laread make huge sums of money from charging us to access our own data and selling it on to other credit suppliers.

Credit reference agencies should also be forced to investigate any requests made by individuals about possible errors on their file, during any dispute period the disputed entries should be removed until the resolved.

Credit Reference Agencies – proper regulation and accountability

The Credit Reference Agencies seem to be a wholly unregulated industry yet there activities have a direct bearing on questions involving human rights, namely Data Protection and the right to respect for privacy.

 

They should be brought within a proper transparent and controlled regulatory framework with very clear rules as to the operation of their activities and with direct access by person aggrieved.

Why is this idea important?

The Credit Reference Agencies seem to be a wholly unregulated industry yet there activities have a direct bearing on questions involving human rights, namely Data Protection and the right to respect for privacy.

 

They should be brought within a proper transparent and controlled regulatory framework with very clear rules as to the operation of their activities and with direct access by person aggrieved.

Debt Relief Orders

In April 2009, Debt Relief Orders were introduced and were  designed to help those in financial difficulties with less than £15,000 of debt and less than £300 in assets. 

The problem with these D.R.O's is they include all assets….even a pension which you may not be entitled to for many years. In doing so, it automatically eliminates people from being able to apply for a D.R.O and leaves them with no alternative except to go for bankruptcy or wait for the bailiffs to eventually turn up. 

This idea which was designed to help people in real financial hardship with spiralling debts is actually no good should you have been made redundant and are not able to receive your pension for another 30 years!

The issues regarding removing pensions from the application for a D.R.O should be addressed immediately and help ease personal financial debts which are fast becoming out of control. 

Why is this idea important?

In April 2009, Debt Relief Orders were introduced and were  designed to help those in financial difficulties with less than £15,000 of debt and less than £300 in assets. 

The problem with these D.R.O's is they include all assets….even a pension which you may not be entitled to for many years. In doing so, it automatically eliminates people from being able to apply for a D.R.O and leaves them with no alternative except to go for bankruptcy or wait for the bailiffs to eventually turn up. 

This idea which was designed to help people in real financial hardship with spiralling debts is actually no good should you have been made redundant and are not able to receive your pension for another 30 years!

The issues regarding removing pensions from the application for a D.R.O should be addressed immediately and help ease personal financial debts which are fast becoming out of control. 

Remove Credit Reference Agencies Right to a Persons information without our permission

Credit Reference Agencies seem to think it is their moral duty to have information concerning us,without care or concern they add data to your file and without your permision,they can collate references without your knowledge and they keep this data which may hold  information which is untrue  or incorrect,they also charge you for  the privelage to see what they hold,this charge must be removed and be free so we can check wether or not it is correct and factual,for too long banks have had the upper hand in trashing your information and this does affect you for years to come,

if the information is in dispute the CRA'S must inform you and your right to reply must be added to the information gathered it also must  be compulsary for these agancies to  send you a copy of the information before they enter it onto their books,if it is factual then this is fair but if it involves a default coming from anyone you must be able to dispute this and they must never accept any information from DEBT COLLECTION AGENTS who will trash your files for years to come and not just the six years as you imagine but it can go on every 5 years and 11 months thereafter,in other words you have no say….the time has come where you are able now to charge the CRA'S with data that is untrue and we should be allowed legal aid free to prosecute the companies involved

Why is this idea important?

Credit Reference Agencies seem to think it is their moral duty to have information concerning us,without care or concern they add data to your file and without your permision,they can collate references without your knowledge and they keep this data which may hold  information which is untrue  or incorrect,they also charge you for  the privelage to see what they hold,this charge must be removed and be free so we can check wether or not it is correct and factual,for too long banks have had the upper hand in trashing your information and this does affect you for years to come,

if the information is in dispute the CRA'S must inform you and your right to reply must be added to the information gathered it also must  be compulsary for these agancies to  send you a copy of the information before they enter it onto their books,if it is factual then this is fair but if it involves a default coming from anyone you must be able to dispute this and they must never accept any information from DEBT COLLECTION AGENTS who will trash your files for years to come and not just the six years as you imagine but it can go on every 5 years and 11 months thereafter,in other words you have no say….the time has come where you are able now to charge the CRA'S with data that is untrue and we should be allowed legal aid free to prosecute the companies involved

Repeal of forcible entry and force against persons by bailiffs

End bailiffs powers to break in and use force against debtors and fine defaulters. 

We are seeking a return to the peaceful enforcement of fines by bailiffs who have been able to break to people's homes since March 2006 when the Domestic Violence Crime and Victims Act 2004 came into force. Very dangerous powers also exist in the Tribunals Courts and Enforcement Act 2007 which allow bailiffs to break in to enforce all civil debts and to use force against the debtor or fine defaulter but they are not yet in force. These perverse laws should be removed in a Great Repeal Bill.  

Why is this idea important?

End bailiffs powers to break in and use force against debtors and fine defaulters. 

We are seeking a return to the peaceful enforcement of fines by bailiffs who have been able to break to people's homes since March 2006 when the Domestic Violence Crime and Victims Act 2004 came into force. Very dangerous powers also exist in the Tribunals Courts and Enforcement Act 2007 which allow bailiffs to break in to enforce all civil debts and to use force against the debtor or fine defaulter but they are not yet in force. These perverse laws should be removed in a Great Repeal Bill.