Consumer Rights Bill

Debate between Mike Weir and Damian Hinds

Tuesday 13th May 2014 Commons Chamber

[Damian Hinds]

I am not familiar with Emmaus, but I am sure that it is an admirable organisation. I can mention Furniture Helpline in my constituency, and there are many others throughout the country.

[Mr Mike Weir (Angus) (SNP)]

I am listening carefully to what the hon. Gentleman is saying. Affordability is at the root of this issue. It is not only companies such as BrightHouse that concern us—for years, when interest rates were rising, supposedly reputable companies simply extended the time that people had to pay, so that the weekly payments stayed relatively low. That is the real issue at the heart of this.

[Damian Hinds]

The hon. Gentleman is absolutely right. [Interruption.] My hon. Friend the Member for St Albans (Mrs Main), who is sitting next to me, mentions catalogues: catalogue credit has worked on that basis for a long time, stressing the weekly repayment amount. There is also an ability to shift the amount that is apparently the cost of the product and how much is paid for the financing—in the case of catalogues, that is often zero, but the base price is inflated to allow for that.

My worry about the approach in the new clause tabled by the hon. Member for Makerfield is that I do not know how we would make the price comparator work. She made an important point about product numbers. As electronic comparison capability increases, it will be important to be able to make a direct like-for-like comparison, and adding an extra letter to a product number to make such comparison impossible should certainly be cracked down on.

Early Childhood Development

Debate between Mike Weir and Damian Hinds

Thursday 30th January 2014 Westminster Hall

[Damian Hinds]

To be clear, I did not say that—

[Mr Mike Weir (in the Chair)]

Order.