My Lords, the answer to the noble Lord’s first question is no, but I would like to take this opportunity to clarify that Citizens Advice is a well recognised and trusted brand, which is why we took the decision to transfer the Consumer Direct service to it in 2012. We are establishing Citizens Advice as the publicly funded advocate for consumers. It will now be much clearer where the consumer should go to get help, and a faster and better-quality service will come forth to give consumers greater peace of mind.
My Lords, what can be done about the plague of cold callers on consumers, including vulnerable people, who are constantly harassed by calls selling anything from car insurance to PPI—you name it, they want to sell it to you? Vulnerable people, including older people, are being absolutely plagued by that. I speak as someone whose 80 year-old mother receives four or five calls every day trying to sell her something. It appears that nothing can be done about it.
There are some steps that consumers can take themselves—but, having said that, we are looking at this very closely. The first port of call, as I said, would be Citizens Advice. It will be in a much better position in future to give proper advice on that particular point.