Every man deserves a second chance to live happy and to prosper, it is the role of government to provide the conditions that allow man to do just that. Many cases where ccj's etc have occurred is simply because, of failing governments failing to recognize that they themselves are the root cause to much of the bad debt and as a consequence of their bad decision making from all sectors, society as a whole indeed suffers. Access to credit to create wealth must be made for everyone. Not everyone is bad and many suffer as a consequence. Humankind is entitled to a better standard of living. When the government demands a significant proportion of a mans wage, there is very little left for the man to prosper. We need change and we need it now. If the government removes its stealth taxes, then perhaps man can flourish and his family prosper, this will not happen and cannot happen when every door that is knocked on is closed for you unless you have a bank balance of a million pounds. The distribution of wealth is not fairly being played as the wealth is consumed by banks that are unwilling to give credit where credit is due and if the government really want to be in touch with the common man, then it must aid the common man or forever be hated by the common man.

The Mansfield Brewery has a history dating back to 1885, however since the brand was merged with Marstons, it has faced Second Rate treatment in favour of Marstons own beers, such as Pedigree, and Hobgolbin. If this treatment is continued, then it is likely this historic brand may eventually cease to be produced and a vital part of Mansfields heritage will be gone forever. The brewery brand is an important reminiscent of a key part of Mansfields history, and deserves to live on under the Marstons brand, rather than being marginalised in favour of other Masrtons Marques.

I personally feel, rightly or wrongly, that if British Telecom were allowed to buy the 'Everything Everywhere' company, it would be like Tesco's buying Morrison's or Sky buying I.T.V. We need a competitive market place to create employment and drive consumers standards to higher grounds. The reaching long term implications of this potential sale, would have to result in job losses and if the public does not raise it's concerns about potential huge company sales such this and similar situations and attempts like it, we could be guilty of scratching our heads in 5 years time and asking ourselves "Where did all the work go?" In the last 3 years, I have found B.T. and E.E's customers standards to be poor and if they become no longer in direct competition with each other, how will their customer services ever improve? We are still recovering from a double-dip recession and the last thing the business market needs is an eventual streamlining of a big phone network. This must be stopped and it is in all of our interests to stop B.T. buying E.E. I have already contacted my M.P, Andrew Turner, about this matter and hope that others are able to find the time to contact their M.P. too.

Children standing in the road, overcrowding pavements, pedestrians forced into the road, buses overhang pavement when turning. High level of risk. Children are at severe risk with no safety measures in place, Station Approach is a private road and not routinely gritted, rush hour traffic hazards, congestion. I have witnessed children being 'nudged' by the busses. The road becomes single file when the buses are picking up.

This anomaly means private delivery companies look cheaper, but are not. My hospital neurology dept "saves" £250k a year on VAT on beta interferon alone this way, but the private healthcare provider offers a lamentable service, not turning up, letting patients run out of meds, etc. There are few companies to compete, and the NHS cannot afford to take service back. Jeremy Hunt and HMRC know about the unfair advantage private companies have, but ignore it. This means the NHS is paying £200 million A YEAR on drugs to the Treasury in VAT. Why penalise the NHS? Let the NHS compete fairly!

We can't stop violence in films, TV shows and video games but we can stop the glorification of that violence using guns and knives in adverts in media streams and posters. Knife and gun crime is on the increase and the message from these adverts is that it is OK to use them. If you choose to watch a film, TV show or play a video game then fine, but advertising is usually seen by all ages indiscriminately. Please help ban the use of guns and knives in all forms of adverting.

At the moment energy companies are only required to bill you ONCE a year and only need to review your usage against payment every 15 months. The better companies undertake these activities more frequently and have signed up to a charter. However, some of the newer companies which appear to provide cheaper tarriffs do not. With the complicated way in which bills are calculated it is very easy to get into arrears and if you receive an annual bill, it can be for a hefty amount. When people are presented with massive demands they simply can not afford to pay them. Yes they have used the units but without the information they can not provision for the costs. By keeping on top of the problem, with monthly bills, people that need to manage their fiances closely will be in a better position to do so. If companies fail to produce accurate monthly bills they should have to right off the costs.

People use high street payday loan companies because they are desperate and cannot find alternative ways of raising money when they need it, i.e. for funerals etc. I saw a high street payday loan company proudly advertising an APR of 2000%. This is obscene. We need government introduction of caps these thieves can charge. And we need help to set up credit unions to help needy people. I have worked in a christian debt advice centre and have seen single mothers with credit card debts of £70,000. How was she allowed to run up so much debt?

Failure to undertake appropriate identity checks makes it very easy for criminals to use a stolen identity to obtain goods on credit. Victims of identity fraud now have to report the crime to a central fraud investigation unit who may or may not decide to investigate. This delay can lead to more uses of the stolen identity which can adversely affect the victim's credit rating and lead to tremendous levels of stress as letters arrive demanding money for goods obtained on credit. Common routes used for this type of fraud are mobile phone companies, store cards and catalogues. In theory, the current security checks should minimise criminal opportunities, however many shop and call centre staff do not always check fully at the point of sale. If it were mandatory for a verifiable photo ID such as passport, citizen card or driving license to be part of the application process this would help reduce identity fraud. Shops whose staff do not run the appropriate checks, thus resulting in a fraudulent application succeeding should also have to compensate the victim for the stress caused.

To encourage wealthy global organisations to be proud of taking an ethical stance and making this part of their branding, taking a lead in changing the world so that every man, woman and child associated with their supply chains can make a living wage.

This will save the average consumer around £180 to £200 per year as many (myself included) only have a fixed phone line service into my house because I have to in order to make it possible for broadband to be delivered. In many cases, the phone service is more expensive than the broadband. There is absolutely no technical reason why this service could not be turned off and as long as there is a copper pair into the property, the broadband will still work as well as it does now. We are effectively being held to ransom by telcos if we want fixed line broadband. This also affects most domestic, so called "fibre optic" broadband as this service is still delivered to the property over the copper wires. Whilst we cannot realistically expect that the provision and maintenance of the copper network can be carried out for free, Ofcom should look at what is fair pricing for the provision of a "naked" copper pair with only broadband provided over it and the removal of the obligation to have a fixed landline telephone service to the home as a large percentage would prefer to remove this option if they were given the choice.

I believe this action will substantially reduce the number of 'cold calls' to households. Business callers are to declare their full names - first and second - plus the business or organisation they represent, and their formal position within it. I am fed up with cold calling as I am sure everybody else is. Cold calling is now something of an industry and some of these calls which tout for business are potentially fraudulent. How many innocent people have been scammed or duped over the phone, when they would otherwise have been spared this, if only they had been able to verify the identity of the caller? The concept of 'Name Is No Shame' equally applies to business letters written to members of the public and emails, where the full identity of the author has been withheld. Government it seems has done little if anything to stem the tide of unsolicited phone calls to the public; it is down to us to insist that they act. I am confident that if 'Name Is No Shame' becomes law and that it is mandatory for the business community to declare their identity in dealings with the general public, it will substantially reduce the number of 'cold calls' to households. Thank you.