Continue to allow anonymous pre-pay credit cards

A Labour MP, Geraint Davies, wants to effectively ban anonymous pre-pay credit cards via a Ten minute rule bill.  He apparently has 40 MPs supporting this (shame on them).

I don't want this to happen

Why is this idea important?

A Labour MP, Geraint Davies, wants to effectively ban anonymous pre-pay credit cards via a Ten minute rule bill.  He apparently has 40 MPs supporting this (shame on them).

I don't want this to happen

The Government amend application processes for completing & registering Lasting Power of Attorney (both Property and Financial Affairs & Health and Welfare) AND that registering these should be free

To radically overhaul and simplify the application process for completion of both types of Power of Attorney. Members of the public should be involved in each stage of the redesign so that forms are easy to understand, even where complex pieces of information are being given. To also look at additional ways that these can be completed, examples include allowing online completion of the documents with ‘pop up’ clear help boxes at each section. On-line operator support in completion to explain certain terms. The ability to save forms online and return to them several times. Where these forms repeatedly require the same information, once entered, the information should populate/complete all the relevant sections throughout the entire form.

The registering of the documents should also be free, not least because of the financial savings common use of these Power of Attorneys would bring to the NHS and Social Services in managing and supporting the care needs of people who become incapacitated.

Why is this idea important?

To radically overhaul and simplify the application process for completion of both types of Power of Attorney. Members of the public should be involved in each stage of the redesign so that forms are easy to understand, even where complex pieces of information are being given. To also look at additional ways that these can be completed, examples include allowing online completion of the documents with ‘pop up’ clear help boxes at each section. On-line operator support in completion to explain certain terms. The ability to save forms online and return to them several times. Where these forms repeatedly require the same information, once entered, the information should populate/complete all the relevant sections throughout the entire form.

The registering of the documents should also be free, not least because of the financial savings common use of these Power of Attorneys would bring to the NHS and Social Services in managing and supporting the care needs of people who become incapacitated.

disallow all derivatives on food.

http://johannhari.com//2010/07/02/how-goldman-sachs-gambling-on-starving-the-worlds-poor-and-won

"For over a century, farmers in wealthy countries have been able to engage in a process where they protect themselves against risk. Farmer Giles can agree in January to sell his crop to a trader in August at a fixed price. If he has a great summer and the global price is high, he'll lose some cash, but if there's a lousy summer or the price collapses, he'll do well from the deal. When this process was tightly regulated and only companies with a direct interest in the field could get involved, it worked well.

Then, through the 1990s, Goldman Sachs and others lobbied hard and the regulations were abolished. Suddenly, these contracts were turned into 'derivatives' that could be bought and sold among traders who had nothing to do with agriculture. A market in "food speculation" was born."

Why is this idea important?

http://johannhari.com//2010/07/02/how-goldman-sachs-gambling-on-starving-the-worlds-poor-and-won

"For over a century, farmers in wealthy countries have been able to engage in a process where they protect themselves against risk. Farmer Giles can agree in January to sell his crop to a trader in August at a fixed price. If he has a great summer and the global price is high, he'll lose some cash, but if there's a lousy summer or the price collapses, he'll do well from the deal. When this process was tightly regulated and only companies with a direct interest in the field could get involved, it worked well.

Then, through the 1990s, Goldman Sachs and others lobbied hard and the regulations were abolished. Suddenly, these contracts were turned into 'derivatives' that could be bought and sold among traders who had nothing to do with agriculture. A market in "food speculation" was born."

Housing Court – quick action for residential tenants and landlords

Hello

Going through the Court system in this country to resolve housing tenant/landlord legal matters is painfully slow and financially damaging. I am a landlord and have been a tenant myself many times over many years. When, sadly, I have had non paying tenants it is financially painful to do anything about it.

In the USA they have what is called a Housing Court that just judges residential landlord and tenant cases. This system is quick and inexpensive.

In the UK, a tenant who does not pay rent has 2 months before legal action can be started against them. It can  then often take 2 months or more to get a court date. If the eviction action is successful the tenant can then expect 1 month to leave the property. Is the tenant does not leave the landlord has to return to court again to get them removed.

All this can cost the landlord huge sums of money and put them under severe financial strain – all because a legal contract has been broken – yet it is the landlord who pays.

Conversely a tenant with problems really has very little recourse to the law to resolve their issues as well.

I honestly believe that if rent is two weeks late without explanation, or landlords approval, then eviction should be quickly completed. Tenancy agreements are legaly binding contracts and breaking that contract should mean swift action – not 5 or 6 months free accomodation.

Housing Court – as in the USA –  would mean quick, and hence inexpensive, resolution of housing issues.

The Housing Court could also be a register of legal actions – with cases on file  – so rogue landlord's and tenant's names are recorded for others to see and check before they sign a tenancy agreement.

Thank you.

Martin Heseltine

Why is this idea important?

Hello

Going through the Court system in this country to resolve housing tenant/landlord legal matters is painfully slow and financially damaging. I am a landlord and have been a tenant myself many times over many years. When, sadly, I have had non paying tenants it is financially painful to do anything about it.

In the USA they have what is called a Housing Court that just judges residential landlord and tenant cases. This system is quick and inexpensive.

In the UK, a tenant who does not pay rent has 2 months before legal action can be started against them. It can  then often take 2 months or more to get a court date. If the eviction action is successful the tenant can then expect 1 month to leave the property. Is the tenant does not leave the landlord has to return to court again to get them removed.

All this can cost the landlord huge sums of money and put them under severe financial strain – all because a legal contract has been broken – yet it is the landlord who pays.

Conversely a tenant with problems really has very little recourse to the law to resolve their issues as well.

I honestly believe that if rent is two weeks late without explanation, or landlords approval, then eviction should be quickly completed. Tenancy agreements are legaly binding contracts and breaking that contract should mean swift action – not 5 or 6 months free accomodation.

Housing Court – as in the USA –  would mean quick, and hence inexpensive, resolution of housing issues.

The Housing Court could also be a register of legal actions – with cases on file  – so rogue landlord's and tenant's names are recorded for others to see and check before they sign a tenancy agreement.

Thank you.

Martin Heseltine