Tackling financial exclusion: A country that works for everyone? Contents

Appendix 2: List of witnesses

Evidence is published online at www.parliament.uk/financial-exclusion and available for inspection at the Parliamentary Archives (020 7219 3074).

Evidence received by the Committee is listed below in chronological order of oral evidence session and in alphabetical order. Those witnesses marked with ** gave both oral evidence and written evidence. Those marked with * gave oral evidence and did not submit any written evidence. All other witnesses submitted written evidence only.

Oral evidence in chronological order

**

Joanna Elson OBE, Chief Executive, Money Advice Trust

QQ 1–12

*

Guy Rigden, Chief Executive, MyBnk

QQ 13–22

**

Russell Winnard, Head of Programme and Services (Financial Education), Young Enterprise

**

Neil Couling, Director General of Universal Credit, Department for Work and Pensions

QQ 23–37

**

Gwyneth Nurse, Director of Financial Services, HM Treasury

**

Catherine McGrath, Managing Director, Transactions, Insurance and Mass Market, Barclays

QQ 38–49

**

Matthew Carter, Director of Products and Marketing, Co-operative Bank

**

Sir Sherard Cowper-Coles, Chair, Financial Inclusion Commission

QQ 50–60

**

Sir Brian Pomeroy CBE, President, Financial Inclusion Commission

**

Chris Pond, Vice-Chair, Financial Inclusion Commission

*

Philip Connolly, Policy and Communications Manager, Disability Rights UK

QQ 61–68

**

Lucy Malenczuk, Senior Policy Manager, Age UK

*

Jon Boagey, Associate Director, National Youth Agency

QQ 69–78

*

Louise Macdonald OBE, Director, Young Scot

*

Sarah Milan, Director, Rees Foundation

*

Alison Garnham, Chief Executive, Child Poverty Action Group (CPAG)

QQ 79–89

*

Sumi Rabindrakumar, Research Officer, Gingerbread

**

Francis McGee, Director of External Affairs, StepChange Debt Charity

QQ 90–101

**

Caroline Rookes CBE, Chief Executive, The Money Advice Service

**

Cllr John Fuller, Vice-Chairman of the Local Government Association’s Resources Board and Leader of South Norfolk District Council

QQ 102–111

**

David Orr, Chief Executive, National Housing Federation

*

Joe Lane, Senior Policy Researcher, Citizens Advice

QQ 112–121

**

Sian Williams, Head of National Services, Toynbee Hall

*

Damon Gibbons, Director, Centre for Responsible Credit

QQ 122–131

**

Sue Lewis, Chair, Financial Services Consumer Panel

**

Russell Hamblin-Boone, Chief Executive, Consumer Finance Association

QQ 132–141

*

Hamish Paton, Chief Executive, Bright House

**

David Rees, Chairman, Law Committee, Consumer Credit Association

*

Martin Lewis OBE, Founder and Chair, MoneySavingExpert.com

QQ 142–149

**

Polly Mackenzie, Chief Executive, Money and Mental Health Policy Institute

**

Eric Leenders, Managing Director, Retail and Commercial Banking, British Bankers’ Association

QQ 150–158

**

Mark Lyonette, Chief Executive, Association of British Credit Unions Limited (ABCUL)

*

Faisel Rahman OBE, Chief Executive, Fair Finance

*

Virraj Jatania, Co-Founder and CEO, Pockit

QQ 159–167

**

Monica Kalia, Co-Founder and Chief Strategy Officer, Neyber

*

Adam Micklethwaite, Director of Business and Innovation, Tinder Foundation

QQ 168–174

*

Peter Wells, Policy Associate, Open Data Institute

**

Nick Williams, Director of Consumer Digital, Lloyds Banking Group

*

Jenny Barksfield, Deputy Chief Executive and Senior Subject Specialist, PSHE Association

QQ 175–184

*

Adrian Lyons, National Lead for Economics, Business and Enterprise, Ofsted

**

Adam Land, Senior Director, Remedies, Business and Financial Analysis, Competition and Markets Authority

QQ 185–192

**

Bill Roberts, Remedies Director, Lead for the “Open API” remedy, Competition and Markets Authority

**

Professor Alasdair Smith, Chair, Retail Banking Market Investigation, Competition and Markets Authority

**

Jonquil Lowe, Senior Lecturer in Economics and Personal Finance and Member, True Potential Centre for the Public Understanding of Finance (PUFin), Open University

QQ 193–202

**

Martin Upton, Senior Lecturer in Finance and Director, True Potential Centre for the Public Understanding of Finance (PUFin), Open University

**

Andrew Bailey, Chief Executive, Financial Conduct Authority

QQ 203–218

**

Christopher Woolard, Executive Director of Strategy and Competition, Financial Conduct Authority

*

Sue Fox, Chief Executive, M&S Bank

QQ 219–230

**

Stephen Uden, Head of Social Investment, Nationwide Building Society

**

The Rt Hon. Lord Freud, Minister of State for Welfare Reform, Department for Work and Pensions

QQ 231–250

**

Nick Gibb MP, Minister of State for School Standards, Department for Education

**

Simon Kirby MP, Economic Secretary to the Treasury, HM Treasury

Alphabetical list of all witnesses

2 Shires Credit Union

FEX0016

The Advice Shop

FEX0039

Affinity Sutton Housing Association

FEX0080

Affordable Lending

FEX0102

Agenda

FEX0023

**

Age UK (QQ 61–68)

FEX0094

Dr Christine Allison

FEX0017

Amigo Loans

FEX0076

Dr Lindsey Appleyard, Coventry University and Dr Shaun French, University of Nottingham

FEX0086

Professor Thankom Arun

FEX0070

**

Association of British Credit Unions Limited (ABCUL) (QQ 150–158)

FEX0037

Association of British Insurers (ABI)

FEX0085

ATM Industry Association

FEX0041

**

Barclays (QQ 38–49)

FEX0074

Birmingham Financial Inclusion Partnership

FEX0049

Bournemouth Churches Housing Association (BCHA)

FEX0058

*

Brighthouse (QQ 132–141)

**

British Bankers’ Association (BBA) (QQ 150–158)

FEX0019

British Insurance Brokers’ Association (BIBA)

FEX0075

Buy As You View

FEX0013

Carnegie UK Trust

FEX0032

Centre for Housing Policy

FEX0045

*

Centre for Responsible Credit (QQ 122–131)

*

Child Poverty Action Group (CPAG) (QQ 79–89)

Christians Against Poverty (CAP)

FEX0014

Church of England’s Mission & Public Affairs Council and Church Urban Fund

FEX0025

Citizens Advice Redcar & Cleveland and Coasts & Country Housing Limited

FEX0048

Citizens Advice Rossendale

FEX0043

Citizens Advice York

FEX0036

Civil Court Users Association (CCUA)

FEX0103

Civil Enforcement Association (CIVEA)

FEX0095

Clinks

FEX0026

**

Competition and Markets Authority (QQ 185–192)

FEX0092

The Consumer Council

FEX0082

**

Consumer Credit Association (QQ 132–141)

FEX0051

**

Consumer Finance Association (QQ 132–141)

FEX0011

**

The Co-operative Bank (QQ 38–49)

FEX0033

Council of Mortgage Lenders

FEX0007

Demos

FEX0063

**

Department for Education (QQ 231–250)

FEX0100

**

Department for Work and Pensions (QQ 23–37) (QQ 231–250)

FEX0087

*

Disability Rights UK (QQ 61–68)

Equality and Human Rights Commission (EHRC)

FEX0089

Experian

FEX0078

*

Fair Finance (QQ 150–158)

Fair for You Finance CIC

FEX0004

The Finance Foundation

FEX0079

The Finance & Leasing Association

FEX0015

**

Financial Conduct Authority (FCA) (QQ 203–218)

FEX0083

**

Financial Inclusion Commission (FIC) (QQ 50–60)

FEX0044

Financial Ombudsman Service

FEX0027

**

Financial Services Consumer Panel (QQ 122–131)

FEX0035

FEX0099

Fredericks Foundation

FEX0040

Friends, Families and Travellers

FEX0002

Gateshead Council

FEX0046

*

Gingerbread (QQ 79–89)

**

HM Treasury (QQ 23–37) (QQ 231–250)

FEX0088

Homeless Link

FEX0052

Housing Rights

FEX0021

Inclusion London

FEX0067

Dr Rama Kanungo

FEX0018

Keep Me Posted

FEX0020

Later Life Ambitions

FEX0050

Leeds City Council

FEX0030

Leeds City Credit Union Ltd

FEX0069

Lloyds Bank Foundation for England & Wales

FEX0010

**

Lloyds Banking Group (QQ168–174)

FEX0077

**

Local Government Association (QQ 102–111)

FEX0090

*

M&S Bank (QQ 219–230)

Macmillan Cancer Support

FEX0057

MasterCard

FEX0068

Professor Stephen McKay, University of Lincoln

FEX0029

Mencap

FEX0060

Merton Centre for Independent Living

FEX0003

**

Money Advice Service (QQ 90–101)

FEX0062

FEX0093

**

Money Advice Trust (QQ 1–12)

FEX0047

The Money Charity

FEX0061

**

Money and Mental Health Policy Institute (QQ 142–149)

FEX0071

FEX0091

*

MoneySavingExpert.com (QQ 142–149)

*

MyBnk (QQ 13–22)

National AIDS Trust (NAT)

FEX0042

**

Nationwide Building Society (QQ 219–230)

FEX0059

**

National Housing Federation (QQ 102–111)

FEX0097

*

National Youth Agency (QQ 69–78)

**

Neyber (QQ 159–167)

FEX0065

Non-Standard Finance PLC

FEX0055

Oakam Ltd

FEX0064

*

Ofsted (QQ 175–184)

*

Open Data Institute (QQ 168–174)

**

The Open University (QQ 193–202)

FEX0009

*

Pockit (QQ 159–167)

Post Office Limited

FEX0101

Dr Rajiv Prabhakar

FEX0001

Provident Financial Group

FEX0038

*

PSHE Association (QQ 175–184)

*

Rees Foundation (QQ 69–78)

Responsible Finance

FEX0005

SalaryFinance

FEX0034

The Salvation Army

FEX0054

Scope

FEX0006

Shelter

FEX0056

SourceCards

FEX0098

**

StepChange Debt Charity (QQ 90–101)

FEX0084

FEX0096

St Leger Homes of Doncaster

FEX0072

Sunderland City Council

FEX0081

*

Tinder Foundation (QQ 168–174)

**

Toynbee Hall (QQ 112–121)

FEX0073

University of Bristol, Dr Therese O’Toole & Dr Ekaterina Braginskaia

FEX0066

Unlock—for people with convictions

FEX0012

Unum

FEX0028

VocaLink

FEX0031

**

Young Enterprise (QQ 13–22)

FEX0053

The Young Foundation

FEX0022

*

Young Scot (QQ 69–78)





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