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56839 Law Comm 369 11Mm Cov.Indd 1 06/09/2016 14:28
Law Commission Bills of Sale Bills of Sale Law Com No 369 Law Com No 369 56839_Law Comm 369 11mm cov.indd 1 06/09/2016 14:28 The Law Commission (LAW COM No 369) BILLS OF SALE Presented to Parliament pursuant to section 3(2) of the Law Commissions Act 1965 Ordered by the House of Commons to be printed on 12 September 2016 HC 641 © Crown copyright 2016 This publication is licensed under the terms of the Open Government Licence v3.0 except where otherwise stated. To view this licence, visit nationalarchives.gov.uk/doc/open-government-licence/version/3 or write to the Information Policy Team, The National Archives, Kew, London TW9 4DU, or email: [email protected]. Where we have identified any third party copyright information you will need to obtain permission from the copyright holders concerned. This publication is available at www.gov.uk/government/publications Print ISBN 9781474137034 Web ISBN 9781474137041 ID 01091611 09/16 Printed on paper containing 75% recycled fibre content minimum Printed in the UK by the Williams Lea Group on behalf of the Controller of Her Majesty’s Stationery Office ii THE LAW COMMISSION The Law Commission was set up by the Law Commissions Act 1965 for the purpose of promoting the reform of the law. The Law Commissioners are: The Right Honourable Lord Justice Bean, Chairman Professor Nick Hopkins Stephen Lewis Professor David Ormerod QC Nicholas Paines QC The Chief Executive of the Law Commission is Phil Golding. The Law Commission is located at 1st Floor, Tower, 52 Queen Anne’s Gate, London SW1H 9AG. -
Never Again! NICK GRIFFIN MUST GO! L27th January: Is Holocaust L 1998: Leader of the Nazi L 2009: Nick Griffin Is Elected Memorial Day
North West Unite Against Fascism Remember the Holocaust – Never again! NICK GRIFFIN MUST GO! l27th January: is Holocaust l 1998: Leader of the Nazi l 2009: Nick Griffin is elected Memorial Day. British National Party (BNP) Nick as Member of the European l 30th January 1933: Hitler's Griffin receives a conviction for Parliament (MEP) for the North Nazi Party comes into power, Holocaust Denial and race West Region. This Nazi was legally and constitutionally. hatred. Griffin said: elected with only eight per cent l2nd May 1933: The Nazis ban “I am well aware that the of the vote – he does not all trade unions. orthodox opinion is that six represent the people of our l1941 – 1945: In death- million Jews were gassed and region. camps such as Auschwitz and cremated or turned into lamp- l 2014: Griffin Must Go! Treblinka, Hitler's Nazis mass shades. Orthodox opinion also You have the chance to vote out murder six million Jews and once held that the earth is flat... Nazi Nick in the European millions of other people – I have reached the conclusion Elections. Griffin is relying on a including trades unionists, that the 'extermination' tale is a low voter turn-out to hold onto political opponents, Gypsies, mixture of Allied wartime his MEP seat. Griffin denies the people with disabilities, Slavs, propaganda, extremely Holocaust because he wants to Poles, lesbians, gay men, black profitable lie, and latter day repeat it. Use your vote to STOP people and many more. witch hysteria.” the fascist BNP. North West UAF have launched our 'Griffin Must Go!' Campaign in preparation for the 2014 Euro Elections. -
Attitudes and Strategies for Hedonic Saving
View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by Northumbria Research Link Citation: Brown, Jane, Wappling, Anders, Woodruffe-Burton, Helen and Black, Kate (2017) The orbit of consumer credit choices. Journal of Financial Services Marketing, 22 (2). pp. 85- 96. ISSN 1363-0539 Published by: Springer URL: https://doi.org/10.1057/s41264-017-0026-5 <https://doi.org/10.1057/s41264-017-0026- 5> This version was downloaded from Northumbria Research Link: http://nrl.northumbria.ac.uk/30782/ Northumbria University has developed Northumbria Research Link (NRL) to enable users to access the University’s research output. Copyright © and moral rights for items on NRL are retained by the individual author(s) and/or other copyright owners. Single copies of full items can be reproduced, displayed or performed, and given to third parties in any format or medium for personal research or study, educational, or not-for-profit purposes without prior permission or charge, provided the authors, title and full bibliographic details are given, as well as a hyperlink and/or URL to the original metadata page. The content must not be changed in any way. Full items must not be sold commercially in any format or medium without formal permission of the copyright holder. The full policy is available online: http://nrl.northumbria.ac.uk/policies.html This document may differ from the final, published version of the research and has been made available online in accordance with publisher policies. To read and/or cite from the published version of the research, please visit the publisher’s website (a subscription may be required.) The orbit of consumer credit choices This is a post-peer-review, pre-copyedit version of an article published in the Journal of Financial Services Marketing. -
The Impact on Business and Consumers of a Cap on the Total Cost of Credit
The impact on business and consumers of a cap on the total cost of credit Technical Appendix TNS-BMRB Personal Finance Research Centre University of Bristol 2013 Contents Business survey .......................................................................................................................... 1 Trade associations .......................................................................................................... 1 Lenders ........................................................................................................................... 1 Consumer survey ....................................................................................................................... 3 Questionnaire content ................................................................................................... 3 Pilot ................................................................................................................................ 3 Sample ............................................................................................................................ 4 Main stage fieldwork ..................................................................................................... 5 Data preparation ............................................................................................................ 6 Coding of open-ended questions: ............................................................................. 6 Data cleaning: ........................................................................................................... -
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A University of Sussex PhD thesis Available online via Sussex Research Online: http://sro.sussex.ac.uk/ This thesis is protected by copyright which belongs to the author. This thesis cannot be reproduced or quoted extensively from without first obtaining permission in writing from the Author The content must not be changed in any way or sold commercially in any format or medium without the formal permission of the Author When referring to this work, full bibliographic details including the author, title, awarding institution and date of the thesis must be given Please visit Sussex Research Online for more information and further details 2018 Behavioural Models for Identifying Authenticity in the Twitter Feeds of UK Members of Parliament A CONTENT ANALYSIS OF UK MPS’ TWEETS BETWEEN 2011 AND 2012; A LONGITUDINAL STUDY MARK MARGARETTEN Mark Stuart Margaretten Submitted for the degree of Doctor of PhilosoPhy at the University of Sussex June 2018 1 Table of Contents TABLE OF CONTENTS ........................................................................................................................ 1 DECLARATION .................................................................................................................................. 4 ACKNOWLEDGMENTS ...................................................................................................................... 5 FIGURES ........................................................................................................................................... 6 TABLES ............................................................................................................................................ -
Of Those Who Pledged, 43 Were Elected As
First name Last name Full name Constituency Party Rosena Allin-Khan Rosena Allin-Khan Tooting Labour Fleur Anderson Fleur Anderson Putney Labour Tonia Antoniazzi Tonia Antoniazzi Gower Labour Ben Bradshaw Ben Bradshaw Exeter Labour Graham Brady Graham Brady Altrincham and Sale West Conservative Nicholas Brown Nicholas Brown Newcastle upon Tyne East Labour Wendy Chamberlain Wendy Chamberlain North East Fife Lib Dem Angela Crawley Angela Crawley Lanark and Hamilton East SNP Edward Davey Edward Davey Kingston and Surbiton Lib Dem Florence Eshalomi Florence Eshalomi Vauxhall Labour Tim Farron Tim Farron Westmorland and Lonsdale Lib Dem Simon Fell Simon Fell Barrow and Furness Conservative Yvonne Fovargue Yvonne Fovargue Makerfield Labour Mary Foy Mary Foy City Of Durham Labour Kate Green Kate Green Stretford and Urmston Labour Fabian Hamilton Fabian Hamilton Leeds North East Labour Helen Hayes Helen Hayes Dulwich and West Norwood Labour Dan Jarvis Dan Jarvis Barnsley Central Labour Clive Lewis Clive Lewis Norwich South Labour Caroline Lucas Caroline Lucas Brighton, Pavilion Green Justin Madders Justin Madders Ellesmere Port and Neston Labour Kerry McCarthy Kerry McCarthy Bristol East Labour Layla Moran Layla Moran Oxford West and Abingdon Lib Dem Penny Mordaunt Penny Mordaunt Portsmouth North Conservative Jessica Morden Jessica Morden Newport East Labour Stephen Morgan Stephen Morgan Portsmouth South Labour Ian Murray Ian Murray Edinburgh South Labour Yasmin Qureshi Yasmin Qureshi Bolton South East Labour Jonathan Reynolds Jonathan Reynolds -
Response to the FCA's High-Cost Credit
FCA high-cost credit call for input Citizens Advice response Contents Summary 2 About Citizens Advice 5 Part 1 - High cost credit - wider issues 6 Part 2 - Overdrafts 18 Part 3 - The current state of the HCSTC market 23 Part 4 - Consumers and HCSTC use 24 Part 5 - The scope of the price cap 32 Part 6 - Repeat and multiple borrowing 33 1 Summary The regulation of high-cost short-term credit has been positive for consumers Since the Financial Conduct Authority (FCA) introduced tougher regulations in the payday lending market, the number of people with unmanageable payday loan debts has more than halved. Problems seen by Citizens Advice have fallen from over 10,000 a quarter at their peak to just over 4,000 now. That is partly because the market is different; there are fewer lenders and fewer customers. But it is also because the market is delivering better outcomes. Between January 2015 and April 2016 the number of loans which incurred default charges halved, from 16% to 8%, and the proportion in arrears for more than seven days fell by a quarter, from 16% to 12%. Consumers are also paying less to borrow. In 2014, the average consumer paid £100 in interest and charges to their payday lender. They now pay £60, despite the average loan amount remaining relatively stable at £250. That has not led to equal detriment in other areas Tougher regulation of high-cost short-term credit (HCSTC) has not led to negative unintended consequences: ● Access to credit - We found around 8% of customers who had previously used a payday loan had been declined following the cap. -
Labour Party General Election 2017 Report Labour Party General Election 2017 Report
FOR THE MANY NOT THE FEW LABOUR PARTY GENERAL ELECTION 2017 REPORT LABOUR PARTY GENERAL ELECTION 2017 REPORT Page 7 Contents 1. Introduction from Jeremy Corbyn 07 2. General Election 2017: Results 11 3. General Election 2017: Labour’s message and campaign strategy 15 3.1 Campaign Strategy and Key Messages 16 3.2 Supporting the Ground Campaign 20 3.3 Campaigning with Women 21 3.4 Campaigning with Faith, Ethnic Minority Communities 22 3.5 Campaigning with Youth, First-time Voters and Students 23 3.6 Campaigning with Trade Unions and Affiliates 25 4. General Election 2017: the campaign 27 4.1 Manifesto and campaign documents 28 4.2 Leader’s Tour 30 4.3 Deputy Leader’s Tour 32 4.4 Party Election Broadcasts 34 4.5 Briefing and Information 36 4.6 Responding to Our Opponents 38 4.7 Press and Broadcasting 40 4.8 Digital 43 4.9 New Campaign Technology 46 4.10 Development and Fundraising 48 4.11 Nations and Regions Overview 49 4.12 Scotland 50 4.13 Wales 52 4.14 Regional Directors Reports 54 4.15 Events 64 4.16 Key Campaigners Unit 65 4.17 Endorsers 67 4.18 Constitutional and Legal services 68 5. Labour candidates 69 General Election 2017 Report Page 9 1. INTRODUCTION 2017 General Election Report Page 10 1. INTRODUCTION Foreword I’d like to thank all the candidates, party members, trade unions and supporters who worked so hard to achieve the result we did. The Conservatives called the snap election in order to increase their mandate. -
Douglas Oakervee Independent Chair, Oakervee Review Department for Transport Albany House 94-98 Petty France London SW1H 9EA
Douglas Oakervee Independent Chair, Oakervee Review Department for Transport Albany House 94-98 Petty France London SW1H 9EA Dear Douglas Oakervee Review Submission from Greater Manchester Parliamentarians As members of the Greater Manchester All Party Parliamentary Group (GM APPG) we wanted to welcome your review on the future of HS2 and to ensure that the collective views of Greater Manchester Parliamentarians are considered and taken on board. Greater Manchester MPs of all parties work collaboratively to provide a strong voice for the city- region in Westminster, working alongside the Mayor and local business and political leaders to help maximise future investment and growth for the benefit of the communities throughout Greater Manchester. We want to emphasise the following key points: After decades of underinvestment in strategic rail infrastructure and transport in the North, HS2 and Northern Powerhouse Rail, if combined with a clear commitment to much needed investment in our intra city transport networks, will provide the basis for a once-in-a-generation programme to secure the levels of investment and productivity in our northern cities that is essential to transform the North’s economic output and the life chances of residents here. Given the scale of the challenge to rebalance and level-up the UK, the GMAPPG strongly believes that choices cannot be made between HS2 and Northern Powerhouse Rail. Only by delivering the two initiatives together, as a future strategic rail network can we achieve the transformational economic outcomes that we share with Government. In making our case we would urge your team to consider the following points: • The full and timely delivery of Northern Powerhouse Rail (NPR) and HS2 Phase 2b is central to Greater Manchester’s wider ambitions for the role of rail in city-region growth. -
The UK's Leading Pawnbroker
H&T Group plc Annual Report and Accounts 2009 The UK’s leading pawnbroker Appreciating the value for over 100 years Financial and Operational Highlights Gross profit EBITDA* Operating profit (£m) (£m) (£m) 60 24 24 23.1 21.0 51.2 14.9 35.7 30 12 12 13.3 11.4 27.7 10.0 23.3 7.5 6.1 0 0 0 2006 2007 2008 2009 2006 2007 2008 2009 2006 2007 2008 2009 up 43.2% up 55.2% up 58.4% to £51.2m (2008: £35.7m) to £23.1m (2008: £14.9m) to £21.0m (2008: £13.3m) *Earnings before Interest, Tax, Depreciation, Amortisation as defined in note 3 of the consolidated financial statements Basic EPS Pledge book Profit before tax (p) (£m) (£m) 40 40 20 37.9 37.75 18.5 32.0 27.8 20 20 25.2 10 20.27 10.1 15.17 7.4 3.65 2.0 0 0 0 2006 2007 2008 2009 2006 2007 2008 2009 2006 2007 2008 2009 up 86.2% up 18.4% up 83.9% to 37.75p (2008: 20.27p) to £37.9m (2008: £32.0m) to £18.5m (2008: £10.1m) Proposed final dividend up 24.4% to 5.6p (2008: 4.5p) s The national footprint reached 122 stores at 31 December 2009 (2008:105) with 17 new stores opened during 2009 (2008:16) s In addition the Group operated 54 Retail Mall Units at 31 December 2009 (2008: nil) s In store gold purchasing volumes near tripled year on year s Scrap margins increased to 39.0% benefiting from the prevailing price of gold (£4.3 million contribution) s The Group expanded its debt facilities securing a £50 million, four year term facility H&T provides a range of simple and Highlights ////////////////////////////////////// IFC Chairman’s Statement ///////////////////////// 3 Business at a glance /////////////////////////// 4 OVERVIEW REVIEW OF THE BUSINESS GOVERNANCE FINANCIAL STATEMENTS accessible financial products tailored What is Pawnbroking? ///////////////////////// 6 Valuations, how H&T manage for a customer base who have limited the process /////////////////////////////////////// 7 Our customers /////////////////////////////////// 8 access to, or are excluded from, the Our people /////////////////////////////////////// 9 traditional banking and finance sector. -
BILLS of SALE a Summary of the Law Commission's Recommendations To
BILLS OF SALE A summary of the Law Commission's recommendations to reform the law of logbook loans and of other loans secured on goods Law Com No 369 (Summary) – September 2016 THE LAW COMMISSION Bills of Sale OVERVIEW This document summarises Law Commission report No 369, Bills of Sale. The Bills of Sale Acts are archaic Victorian statutes, which are wholly unsuited for modern credit arrangements such as logbook loans. They should be repealed in their entirety. The Law Commission recommends a new Goods Mortgages Act to: • Provide appropriate protection to borrowers, so that vehicles are not seized too readily; • Protect innocent purchasers who buy vehicles without realising that they are subject to a bill of sale; • Save £2m of costs caused by unnecessary registration and red tape; and • Remove unnecessary restrictions on secured lending to small businesses. If the Government accepts these recommendations, the next stage would be for the Law Commission to draft a Bill. We hope this Bill could be introduced into Parliament under the special procedure for uncontroversial Law Commission Bills. A copy of the full report is available on the Law Commission’s website at http://www.lawcom.gov.uk/project/bills-of-sale/. THE LAW COMMISSION Bills of Sale TABLE OF CONTENTS Page INTRODUCTION 1 THE CASE FOR REFORM 3 A NEW GOODS MORTGAGES ACT 9 PROTECTING BORROWERS 15 PROTECTING PRIVATE PURCHASERS 20 1. INTRODUCTION WHAT ARE BILLS OF SALE? 1.1 Bills of sale are a means by which individuals can use goods they already own as security for loans, while retaining possession of those goods. -
AMENDMENTS Given up to and Including Monday 26 April 2021
1 House of Commons NOTICES OF AMENDMENTS given up to and including Monday 26 April 2021 New Amendments handed in are marked thus Amendments which will comply with the required notice period at their next appearance Amendments tabled since the last publication: NC21 to NC25 PUBLIC BILL COMMITTEE POLICE, CRIME, SENTENCING AND COURTS BILL NOTE This document includes all amendments tabled to date and includes any withdrawn amendments at the end. The amendments have been arranged in accordance with the Order to be proposed by Victoria Atkins and Chris Philp. Victoria Atkins Chris Philp To move, That the Bill be considered in the following order, namely, Clauses 1 to 10, Schedule 1, Clause 11, Schedule 2, Clauses 12 to 42, Schedule 3, Clause 43, Schedule 4, Clauses 44 to 47, Schedule 5, Clauses 48 to 51, Schedule 6, Clauses 52 to 66, Schedule 7, Clauses 67 to 73, Schedule 8, Clause 74, Schedule 9, Clauses 75 to 97, Schedule 10, Clauses 98 to 100, Schedule 11, Clauses 101 to 127, Schedule 12, Clause 128, Schedule 13, Clause 129, Schedule 14, Clauses 130 to 134, Schedule 15, Clause 135, Schedule 16, Clauses 136 to 156, Schedule 17, Clauses 157 to 161, Schedule 18, Clauses 162 to 168, Schedule 19, Clauses 169 to 171, Schedule 20, Clauses 172 to 176, new Clauses, new Schedules, remaining proceedings on the Bill. 2 Public Bill Committee: 26 April 2021 Police, Crime, Sentencing and Courts Bill, continued Sarah Champion Sarah Jones 2 Clause 1,page2, line 2, after “workforce,”, insert “including the impact of working with traumatised survivors on officers’ wellbeing and morale,” Member’s explanatory statement This amendment aims to ensure the police covenant report, when addressing the health and well- being of members and formers members of the police workforce, also addresses the specific impact working with traumatised survivors, such as survivors of child sexual abuse, has on officers’ wellbeing and morale.