What do you want Martin to ask Mark Hoban, Treasury Minister?

matrix11001

Why are we the only country who is holding out on the Robin Hood Tax? With it all the cuts wouldn't be necessary and the economy wouldn't be making a downturn where more and more bigger companies are failing because people aren't spending their money, because they have to protect themselves from redundancy and rising costs of living!

eurovision_fan

Could the minister please ask for banks to reduce their charges for overdraft and missed payment charges from £12 to a close to true cost price - or failing that to a new limit of £7.50.

elvie1942

:mad:Can you please ask the minister what the government are going to do to stop the rip off that's taking place within the car insurance companies. There isn't enough being done within the industry to deal with the false claims that are being made and being proliferated by unscrupulous no win no fee lawyers. The insurance costs are now being pushed so high by the corrupt practices by all concerned ie, lawyers, car recovery firms, police and insurance firms themselves. that many drivers are being driven to driving with out any form of car insurance because the premiums are so high they are out of reach for many drivers.

JanE15

Regarding {lack of} interest on savings - what would the banks do if we all kept our savings out of their institutions ? Our hard earned cash is handed over to them in exchange for a fair return - they are not playing fair.

zimmerboy

As i understand it the government introduced isa,s to encourage people to save, so why are providers allowed to only offer the best rates to new money each year.This goes against the principle of 'nestegg' building.

phil1reynolds

If the civil service pensions must be changed because we can't afford them, don't want to pay for them in the future or they are not fair to all the 'private' sector employees why don't you provide the same pension terms and benefits for the MPs in the House of Commons as you are proposing for the civil service?

(I guess you won't do that because MPs remain greedy and want to keep their 'goldplated 'pensions.)

Phil

Edinburgh

coxeey

Why dont the government invest some money from NI payments so that eventually State Pensions will be funded in the same way as most pension funds?

myjamfactory

Tell Hoban to increase the VAT rate to 30% on all banks activities.

Remove the chance of any whole or partial bail-out of future non-retail bank failures.

sugarsian

1. Scrap the Lending Code and bring in tight enforceable rules. The code is not policed and open to the banks’ discretion. We all know how banks get round codes.
2. Toughen up the FOS. Banks should really not want complaints to be referred to them. A bank should have to pay far more to the FOS AND to the consumer if they are found to be at fault. At the moment banks know complaints found in favour of a consumer do not cost them much at all and worth a gamble because most consumers find the process too off-putting and don’t bother to complain to the FOS anyway. Consumers would be more inclined to complain if there was serious compensation for faults of banks and banks would behave better if they were heavily penalized. In fact that is the only way banks might learn to behave. It is extraordinary that the FOS does not take into consideration up to date findings by the FSA, the OFT, the Bank of England or the Treasury. They appear overwhelmingly to favour the banks, allowing them to decide what is fair or reasonable behaviour. The FOS needs to be scrutinised by Consumer organisations and not pay so much attention to the BBA. They seem to assume that banks behave well despite overwhelming evidence to the contrary. It is outrageous that the FOS do not have the ability to check figures prepared by Banks and lenders. The FOS is not unbiased.
3. Banks MUST be penalised for ever putting profit above the financial welfare of their customers. Financial welfare is too important to individuals, it affects health, relationships and lives."

Tates

Why are the charges made by UK Financial Organisations for personal pensions so much higher than thoses charged elesewhere in Europe?

Those charged in Holland are for isntance half the very best on offer in the UK (i.e. less than 0.5% all in). This makes an enormous difference to the size of the pension pot that can be expected.

NEST is really addressing a different aspect of Pensions and is relatively expensive even with the employer contributing