The Dormant Bank and Building Societies Accounts Act was passed in November 2008 and included a requirement for the Government to undertake a review. The legislation set out the specific questions that the review should cover: for example, how many banks and building societies have transferred balances; how much money has been transferred and how promptly; and how effective the arrangements have been for meeting claims. HM Treasury is currently undertaking the review. The closing date was 21 October, and the report will be laid before Parliament by March 2014.
My Lords, I declare an interest as chair of the National Trading Standards Board. The Minister’s department is currently consulting on a new piece of consumer legislation. Will he tell us why it is in the interest of consumers that this legislation will require that two days’ notice is given before potential rogue traders are inspected by trading standards officers? Why is it in the interest of consumers for potential scammers—importers of counterfeit or unsafe goods—to have two days in which to destroy the material and the records that might otherwise incriminate them?
My Lords, the powers strike a balance between protecting civil liberties and reducing burdens on business and enabling enforcers to tackle rogue traders. Requiring enforcers to give 48 hours’ notice before carrying out routine inspections will benefit businesses by making it more convenient for them to accommodate these inspections. However, notice need not be given, for example, where it would defeat the purpose of the visit, as when a breach is suspected, such as with counterfeit DVDs.
My noble friend makes an interesting point and it is firmly noted.
My Lords, given the very rapid rise in food prices in this country, which is double the rate in Germany and France, can the noble Viscount comment on the fine of £300,000 imposed on Tesco for not properly declaring or misrepresenting a cut in price it claimed that it had made? Are the Government putting enough resources into the consumer protection world to make sure that consumers are protected against unfair offers of that sort? I declare an interest as chair of the National Trading Standards Board.
I can reassure the noble Lord that we take enforcement very seriously. As the noble Lord will be aware, enforcement of the legislation is undertaken by the Office of Fair Trading and trading standards boards. If there is an issue, the first thing that complainants should do is go to trading standards. I am also extremely aware of the major supermarket that was prosecuted for giving a misleading price on strawberries.
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Lords ChamberI would not wish to comment on any particular candidate. I presume that the noble Lord was referring to the search process that the chairman of the trust has said that he would carry out. I am not able to comment on that particular process at the moment. That is a matter, indeed, for the BBC.
My Lords, the right reverend Prelate has rightly reminded the House that the people we should be most concerned about in all this are those who were the victims of abuse. Can the Minister comment on whether the Government feel that the frenzy around the existential crisis of the BBC is not really a distraction from concerns that there was very real abuse in children’s homes in north Wales and elsewhere; that there was an individual who, because of his celebrity, was able to abuse children all over the country; and that we are in danger of being deflected, which of course plays into the hands of those who would rather cover up what happened and the names of those who were ultimately responsible?
The noble Lord makes a very important point—that we must not lose sight of the awful events that have taken place and of why the BBC is in the position it is in at the moment. However, given a bit of calm and stability the immediate issues will, one hopes, blow over, and those who are now taking the right decisions will make those decisions and follow them through. I am sure that there will be a number of days of continued press reports but I absolutely take the noble Lord’s point that we must not forget the real issue behind these terrible reports.
I think that I can answer the noble Lord’s questions later in my speech when I come on to the responsibilities of the industry and others.
The noble Lord, Lord Maginnis, raised an important point. The Minister is saying that so much of the responsibility for this must rest with parents, but all the data that we have tell us that parents are ill equipped to provide this leadership. They are behind their children in terms of understanding these technologies. Parents are simply not in a position to give that guidance, much as we all might like that to be the case.
I fully understand the point that the noble Lord is making, but we take the line that ultimately parents are at the forefront of making the decisions as to what is right or wrong for their children.
I can give the briefest of answers in the time available on age verification. It is an important issue. However, I would make a distinction between age verification in terms of the gambling sites, which the noble Baroness, Lady Howe, mentioned. My understanding is that with gambling sites there is a clear distinction at the age of 18. Material for the over-18s is pin-protected. Taking our view that parents would in effect be in control, parents would want to set a range of controls appropriate for their children, which may be different for a five year-old and a 15 year-old.
I started by thanking the noble Baroness for giving us the opportunity to debate these issues today and I close by doing the same.
I am sorry because I realise the Minister is trying to close his remarks. But I am trying to understand the answer that he has just given my noble friend. Is he in essence saying that the Government are disregarding the recommendations from those two reports because the age verification used for gambling sites kicks in only at 18? The point is that they are saying that age verification is an important mechanism. We have the evidence from the gambling sites that age verification is possible and can work. Why is it not possible to put the two things together and introduce age verification structures that may kick in at younger ages?
I note the noble Lord’s comment but the issue of age verification is more complicated than at first it appears. We need more time to discuss this. The best thing for me to do is to get back to the noble Lord and other noble Lords who have raised this particular issue with some answers.
Technology changes rapidly and legislation does not. Industry is better placed than legislators to design the simple and effective tools that parents want, keeping pace with technology and the way that their children access the internet. But there is a role for government in setting an expectation, bringing the right people together and always pushing for more and better—
I can reassure the noble Lord that it is in their interests to bring themselves up to scratch in order to be able to produce online safety for children. I know that this will not be a satisfactory answer for him, but our view is that it is the responsibility of parents, ultimately, to take this forward.
My Lords, why does the Minister say that it is in the interests of online suppliers to do this? It costs them money, they are in a highly competitive market and I suspect that a large number of them make money on the basis that they know perfectly well what some of their users want to access online and they simply want to increase the number of users. Why is it in their interests to introduce this without some form of regulation in the background?
We are getting into quite a detailed discussion. My best response is that I look forward to discussing these issues in more depth in Committee.
In conclusion, the Government will continue to ensure that everyone is playing their part in keeping our children safe online.