<?xml version="1.0" encoding="UTF-8"?><edm>
<id>6816</id>
<session>1992-93</session>
<number>1171</number>
<title>Banks And Small Businesses</title>
<proposer id="10015">Paddy Ashdown</proposer>
<date>1993-01-14</date>
<text>That this House believes there is mounting evidence that considerable numbers of small businesses have been unfairly treated by their banks, with many cases of overcharging, lack of notification and hasty foreclosure, and that since economic recovery and a reduction in unemployment will only be brought about through a revival of the small business sector this matter should have had the Government's full attention months ago; notes that the Government is in the process of a second inquiry in two years into this issue but have still yet to report to Parliament on its findings; and urges the Government to require banks to provide their customers with a contract when lending money and to establish an ombudsman for small businesses which is independent of the banks and includes customer representation, which has the powers to order compensation where misconduct or overcharging have been proved and which reports directly to Parliament on an annual basis.</text>
<topics>
</topics>
<signatures>
	<signature>
		<mp id="10015">Paddy Ashdown</mp>
		<date>1993-01-14</date>
		<type>Proposed</type>
		<constituency>Yeovil</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10618">Jim Wallace</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>Orkney &amp; Shetland</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10612">Paul Tyler</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>North Cornwall</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10034">Alan Beith</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>Berwick-upon-Tweed</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="22610">Alex Carlile</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>Montgomery</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10074">Malcolm Bruce</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>Gordon</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="18209">Liz Lynne</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>Rochdale</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10334">Charles Kennedy</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>Ross and Cromarty and Skye</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10325">Nigel Jones</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>Cheltenham</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10298">Simon Hughes</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>Southwark and Bermondsey</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10262">Nick Harvey</mp>
		<date>1993-01-14</date>
		<type>Signed</type>
		<constituency>North Devon</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10364">Ken Livingstone</mp>
		<date>1993-01-15</date>
		<type>Signed</type>
		<constituency>Brent East</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10590">Matthew Taylor</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Truro</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10230">Norman Godman</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Greenock and Port Glasgow</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10176">Jim Dowd</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Lewisham West</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10145">Lawrence Cunliffe</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Leigh</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10128">Michael Connarty</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Falkirk East</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10089">Ronnie Campbell</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Blyth Valley</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10433">Ray Michie</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Argyll &amp; Bute</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10323">Lynne Jones</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Birmingham, Selly Oak</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="21738">Russell Johnston</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Inverness, Nairn and Lochaber</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10308">Glenda Jackson</mp>
		<date>1993-01-18</date>
		<type>Signed</type>
		<constituency>Hampstead &amp; Highgate</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10614">Keith Vaz</mp>
		<date>1993-01-19</date>
		<type>Signed</type>
		<constituency>Leicester East</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="19190">David Steel</mp>
		<date>1993-01-19</date>
		<type>Signed</type>
		<constituency>Tweeddale, Ettrick and Lauderdale</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10028">John Battle</mp>
		<date>1993-01-19</date>
		<type>Signed</type>
		<constituency>Leeds West</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10012">Janet Anderson</mp>
		<date>1993-01-19</date>
		<type>Signed</type>
		<constituency>Rossendale &amp; Darwen</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10208">Don Foster</mp>
		<date>1993-01-19</date>
		<type>Signed</type>
		<constituency>Bath</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="22255">John Evans</mp>
		<date>1993-01-19</date>
		<type>Signed</type>
		<constituency>St Helens North</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10138">Tom Cox</mp>
		<date>1993-01-19</date>
		<type>Signed</type>
		<constituency>Tooting</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10135">Jean Corston</mp>
		<date>1993-01-19</date>
		<type>Signed</type>
		<constituency>Bristol East</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10368">Elfyn Llwyd</mp>
		<date>1993-01-19</date>
		<type>Signed</type>
		<constituency>Meirionnydd Nant Conwy</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10219">Mike Gapes</mp>
		<date>1993-01-20</date>
		<type>Signed</type>
		<constituency>Ilford South</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10275">John Heppell</mp>
		<date>1993-01-20</date>
		<type>Signed</type>
		<constituency>Nottingham East</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10478">Colin Pickthall</mp>
		<date>1993-01-21</date>
		<type>Signed</type>
		<constituency>West Lancashire</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10087">Anne Campbell</mp>
		<date>1993-01-25</date>
		<type>Signed</type>
		<constituency>Cambridge</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10092">Jamie Cann</mp>
		<date>1993-01-25</date>
		<type>Signed</type>
		<constituency>Ipswich</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10246">Win Griffiths</mp>
		<date>1993-01-27</date>
		<type>Signed</type>
		<constituency>Bridgend</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10250">John Gunnell</mp>
		<date>1993-01-28</date>
		<type>Signed</type>
		<constituency>Leeds South and Morley</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10181">Gwyneth Dunwoody</mp>
		<date>1993-01-28</date>
		<type>Signed</type>
		<constituency>Crewe &amp; Nantwich</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="16751">Roland Boyes</mp>
		<date>1993-02-15</date>
		<type>Signed</type>
		<constituency>Houghton and Washington</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10238">Tommy Graham</mp>
		<date>1993-02-25</date>
		<type>Signed</type>
		<constituency>Renfrew West and Inverclyde</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10320">Ieuan Wyn Jones</mp>
		<date>1993-03-01</date>
		<type>Signed</type>
		<constituency>Ynys M</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10090">Dale Campbell-Savours</mp>
		<date>1993-03-04</date>
		<type>Signed</type>
		<constituency>Workington</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10129">Frank Cook</mp>
		<date>1993-03-23</date>
		<type>Signed</type>
		<constituency>Stockton North</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10444">Elliot Morley</mp>
		<date>1993-03-31</date>
		<type>Signed</type>
		<constituency>Glanford and Scunthorpe</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10679">William McCrea</mp>
		<date>1993-04-14</date>
		<type>Signed</type>
		<constituency>Mid Ulster</constituency>
		<party></party>
	</signature>
	<signature>
		<mp id="10492">Ken Purchase</mp>
		<date>1993-05-04</date>
		<type>Signed</type>
		<constituency>Wolverhampton North East</constituency>
		<party></party>
	</signature>
</signatures>
</edm>