Debt Management Plans

Debate between Justin Tomlinson and Nicholas Dakin

Tuesday 5th July 2011 Westminster Hall

[Nic Dakin]

Although there is some good practice, which we need to recognise and celebrate, a number of DMC practices identified by the CAB cause me great concern: cold-calling and aggressive marketing; charging up-front fees for services that fail to materialise; or poor advice in some cases, particularly when other debt remedies would be more suitable for a client’s circumstances.

[Justin Tomlinson (North Swindon) (Con)]

It is a pleasure to hear the hon. Gentleman’s contribution on a subject on which he has spoken on many previous occasions. On his point about poor advice, the obvious answer is that we need some form of quality mark, so that when people seek help—more often than not, the most vulnerable people, who are least well equipped to ascertain whether they are getting good or bad advice—they have the assurance that they are taking the right steps.

[Nic Dakin]

That is a good point. We certainly need more in the system than is there. Other examples of bad practice include: failure to pass on payments to a client’s creditors; ignoring priority debts, such as mortgage or rent, fuel, and council tax, which involve the ultimate sanction of loss of home, fuel supply or even liberty; and excessive charges for debt management services. All such practices have occurred.

Football Grounds (Regulation)

Debate between Justin Tomlinson and Nicholas Dakin

Wednesday 8th December 2010 Westminster Hall

[Nic Dakin]

My hon. Friend asks an important question. Lord Taylor’s report was thorough and found many causes for the problems that occurred. Standing was not one of them, but none the less, all-seater stadiums were seen as an important part of the solution. We must consider the experience around the world, particularly in Germany, whose strong record of safe standing demonstrates that it can be done. I agree with my hon. Friend that there should be no compromise on future safety in the interests of standing; we should ensure that any standing is safe standing. However, I draw attention to the fact that Scunthorpe United’s ground has always had standing and has always been safe.

[Justin Tomlinson (North Swindon) (Con)]

The hon. Gentleman has secured an excellent debate. I echo his comments about Scunthorpe club being a role model. On the point just raised, I have every sympathy with what he is saying, but I am extremely nervous. Since Lord Justice Taylor’s report, safety in grounds has been improved and transformed. The prospect of a change makes me nervous.

[Nic Dakin]

As I have said all along, safety should never be compromised, but we need only look across to the Bundesliga to see an example of how one of the best leagues in the world manages safe standing alongside seating, using modern technologies. I agree with hon. Members’ comments. I welcome the point made by my hon. Friend the Member for Liverpool, Walton (Steve Rotheram) that this is the right debate to have, but in no way should we prejudice safety in this debate. That would be wrong.

My second question to the Minister is this. Will he review the requirements that apply to small grounds such as Glanford Park, and allow the Football League to use its discretion, where local circumstances and common sense allow, to provide dispensation for small clubs such as Scunthorpe United to retain some safe standing capacity? Scunthorpe has had safe standing for its whole history, during which three England captains have played for the north Lincolnshire side: Kevin Keegan, Ray Clemence and, of course, Ian Botham. I thank everybody who has attended and contributed to this debate. Up the Iron!