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    • jazabelle
    • By jazabelle 19th Oct 10, 12:22 PM
    • 1,690 Posts
    • 4,682 Thanks
    • #2
    • 19th Oct 10, 12:22 PM
    • #2
    • 19th Oct 10, 12:22 PM
    Well done! Sounds like you handled it very well. I can't say I'd enjoy being cross-examined like that. Let's hope they take notice of what you've said.
    "There is no medicine like hope, no incentive so great, and no tonic so powerful as expectation of something better tomorrow." - Orison Swett Marden
    • The Zealot
    • By The Zealot 19th Oct 10, 2:12 PM
    • 66 Posts
    • 10 Thanks
    The Zealot
    • #3
    • 19th Oct 10, 2:12 PM
    • #3
    • 19th Oct 10, 2:12 PM
    Lets hope they do something about it. Martin mentioned so many injustices going on, it affecting so many thousands of good people, things really need to change, and quickly.

    In the mean time, we can only hope.

    Well done Martin, you did something great today, and cannot be commended enough.
    • JimmyTheWig
    • By JimmyTheWig 19th Oct 10, 2:22 PM
    • 11,863 Posts
    • 11,403 Thanks
    • #4
    • 19th Oct 10, 2:22 PM
    • #4
    • 19th Oct 10, 2:22 PM
    Am intrigued as to which swear word you used. Was it a bad one?

    Either way, I don't blame you. It is a rediculous suggestion that we should have to pay to sort out the banks' mistakes. [Trying not to think of the whole recession here!]
    Surely they should be charging the banks for every complaint upheld...
    • #5
    • 19th Oct 10, 2:24 PM
    • #5
    • 19th Oct 10, 2:24 PM
    You did a brilliant job Martin,

    Ive been affected by many of the issues you put forward.

    The points you made that were important to me were:-
    explanation not just information,
    financial education in schools (and adults!)
    the banks not automatically rejecting complaints
    The FOS having the ability to flag recurring issue like PPI.
    My own single premium PPI case (£12,000 worth) is still waiting to be referred to an adjudicator 2 years and 8 months since the company received my first letter of complaint.

    I would vote for you to be the peoples champion, You're definitely my champion anyway.
    “most people give up just as they are about to achieve success”
    If you think you are going through hell keep going - Sir Winston Churchill
    If You Can't Change It, Change the Way You Think About It.
    SW, 13st5lb, -4 1/2, -1,(12st13.5lbs)
    • jobbingmusician
    • By jobbingmusician 19th Oct 10, 2:36 PM
    • 19,587 Posts
    • 20,386 Thanks
    • #6
    • 19th Oct 10, 2:36 PM
    • #6
    • 19th Oct 10, 2:36 PM
    Martin, I think you're in a very special position. And one the govt should appreciate.

    You have the ear of over 2 million people on this site and through your email. The forum is a fascinating place, where real people express their real problems and financial 'wants'. (If I was doing my master's now, this forum would be a great Social Policy dissertation!)

    I believe that you do really try to represent your constituency, and can only hope the govt appreciates that you have a mandate to do this in a way very few of them actually share
    I'm the Board Guide on the Matched Betting; Referrers and Jobseeking & Training boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there. Board guides are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to (it's not part of my role to deal with this). Any views are mine and not the official line of

    The good folk of the matched betting board are now (I hope!) supporting Macmillan, in memory of Fifigrace. Visit
  • Errata
    • #7
    • 19th Oct 10, 3:10 PM
    • #7
    • 19th Oct 10, 3:10 PM
    You may have sworn whilst responding to the committee, but you won't have sworn 'on Hansard'
    Hansard is not a verbatim report, which is why we were able to understand what John Prescott thought he said but didn't.
    .....................I'm smiling because I have no idea what's going on ...
    • nick_b
    • By nick_b 19th Oct 10, 8:40 PM
    • 217 Posts
    • 168 Thanks
    • #8
    • 19th Oct 10, 8:40 PM
    At around the 7 minute mark
    • #8
    • 19th Oct 10, 8:40 PM
    Martin says "people haven't got a bloody clue what it means". I'm sure you hear worse on the floor of the Commons!
    • thebigbosh
    • By thebigbosh 20th Oct 10, 6:37 AM
    • 264 Posts
    • 942 Thanks
    • #9
    • 20th Oct 10, 6:37 AM
    • #9
    • 20th Oct 10, 6:37 AM
    "...a Consumer Minister who, like the womens minister, is solely focused on consumer issues."

    Strange... I thought the women's minister was focused on women's issues?
    • lemontart
    • By lemontart 20th Oct 10, 7:21 AM
    • 5,835 Posts
    • 7,416 Thanks
    the fact that they asked you to come and talk or be questioned by them illustrates to me that the power of this site and its members led is a force that the goverment is concerned about as we are making a difference on a lot of levels be it to each individual here saving money, avoiding scams, finding bargains etc or effecting a change in ways those who want our custom operate
    • mommame
    • By mommame 20th Oct 10, 9:05 AM
    • 270 Posts
    • 226 Thanks
    Right Martin, 2 questions.

    1.When are they going to give you your knighthood.

    2.Why didn't you tell them YOU are our peoples champion
    • lemontart
    • By lemontart 20th Oct 10, 9:41 AM
    • 5,835 Posts
    • 7,416 Thanks
    Right Martin, 2 questions.

    1.When are they going to give you your knighthood.

    2.Why didn't you tell them YOU are our peoples champion
    Originally posted by mommame
    knight hood ? more like saint hood as patron saint for consummers and moneysavers everywhere..................
  • pawnbroker
    Personally I would like to see a committee of members of the public questioning ministers on expenditure.

    For example I went through DFID projects on their web site and asked my MP numerous questions about them. I only took projects over £100 Million pounds.

    In every case I can state that NO conditions were spelt out on what that project was to really achieve.

    One such project was a "gift" of £820 MILLION to the World Bank. It was shown as being for next year but when I questioned the DFID under an FOI request it turns out they made a mistake and it was this year !!.

    I also asked my MP exactly how much of that £820 MILLION was financed by borrowings, he was quite dismissive and did not answer, and the DFID in their reply had no idea and really didn't care.

    I quote this as last week great discussions ensued on taking child benefit from high earners yet our MP's just waved through £820 MILLION.

    In my view the DFID should be drastically cut or eliminated. We cannot justify borrowing money to give it away will nilly.
    Last edited by pawnbroker; 20-10-2010 at 2:29 PM. Reason: Missinsg word
    • mommame
    • By mommame 21st Oct 10, 12:03 AM
    • 270 Posts
    • 226 Thanks
    In the words of our esteemed MP's "hear hear"
  • Eric Pisch
    wow, one man can make a difference, if they listen
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  • jamesd
    Martin, I expect that the committee would welcome your expansion of your answers in written form where you believe that is useful.

    Just consider the great economic benefits for small businesses that would come from the introduction of a fee: "Claim rejected by your bank? For only 30% plus claim fee we'll expertly handle your appeal. 80% of all our claimants win! Don't lose what you're entitled to, get our expert help now!"

    There are some types of small businesses whose growth shouldn't be stimulated. This is one of them.

    The Ombudsman charges banks a fee to stop frivolous rejections. it's not working, so perhaps it should be doubled or quadrupled for rejection where there's been a past decision that obviously matches the fact pattern, at the discretion of the Ombudsman service, to reflect the imposition on them of unnecessary costs and transferring of those costs to the providers who do act properly, via the industry levy. This is perfectly in keeping with the practices of the banks, who use charges to cause those who get things wrong to pay for free services for the other customers. Let those who abuse consumers and the FOS process be charged enough so that those who don't abuse the service get to have lower costs.
  • jamesd
    Bloody is beyond my own personal taste in adjectives but many people wouldn't consider it to be swearing:

    9:51:15: "People haven't got a bloody clue what it means" when talking about the confusion effect of information rather than education in infoboxes.

    10:27:10 "Until the banks stop doing that they should absolutely - pause - I can't swear in here but they should get lost and that suggestion is deeply offensive" ... "until the banks get their house in order they need to bloody pay for it."

    A lot more force behind the second use of the word than the first. Your passion was often showing. That's no bad thing. Good job!
  • ticktockhouse
    Hi Martin,

    I'm more of a lurker on the forums, but I just wanted to say well done, it makes me feel a lot safer as a consumer that someone is saying these things to the government in such frank terms.

    Without wanting to sound too condescending, keep up the good work!

    • Gordon the Moron
    • By Gordon the Moron 23rd Oct 10, 8:53 AM
    • 1,453 Posts
    • 739 Thanks
    Gordon the Moron
    I'd have thought you were doing a bad job if you didn't reply with some sort of expletive to the suggestion of the ombudsman charging.
    If you don't like what I say slap me around with a large trout and PM me to tell me why.

    If you do like it please hit the thanks button.
    • BAA1
    • By BAA1 28th Oct 10, 5:06 PM
    • 1,075 Posts
    • 444 Thanks
    Good job Martin

    The government should consider offering you a consultative position to the cabinet as "Consumer Champion" assuming you would want to accept such a role. Then, together with an elected MP having a title of something like "MP for Consumers" would give the "office" the teeth it needed to achieve results.
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