"My Lords, on one level, I do not object to this legislation. In 2015, I think, the Finance Act made yet another round of changes to the various pension rules in our usual, chaotic way because we do not have properly consolidated legislation. Nobody recognised the unintended consequences that would …..." Baroness Kramer - View Speech
"Unfortunately, I handed my notes to Hansard, but I think that if the Minister looks at the diversity report he will discover that yes, there are fewer people in the pool but those who are recommended from within the pool have a relatively low appointment rate—in fact, dramatically lower—than …..." Baroness Kramer - View Speech
"My Lords, is the Minister aware of an issue raised by the Building Societies Association—that these claims companies are pursuing claims supposedly on behalf of individuals but against lenders where the product in question was never sold? By the time a lender and the ombudsman have spent money proving no …..." Baroness Kramer - View Speech
"My Lords, as I rise to make my maiden speech, I am incredibly conscious of the honour and privilege of joining this House. I particularly thank the right reverend Prelate the Bishop of Wakefield for his words of welcome a moment ago. I have to admit that when he went …..." Baroness Kramer - View Speech