Speeches by Blake.

“You said that you do not want to overstate the regional and town benefits to having the campus here, but some evaluation shows that 67% of people have noticed a benefit, and it talks about some of the benefits you mentioned, including to local purchasing and local industries. Has any thought been put to doing an assess…”

“I am glad you mentioned the zero-based reviews. For those of us who don’t spend all our time thinking about public spending, I would like to give you a chance to talk about what they are. Also, they are a huge amount of work if done properly. How are you making sure that the Departments have the capacity to do that? Co…”

“I would like to move on to the spending review. Are you on track for June?”

“Cut this, grow that.”

“You talked about low value for money and high value for money. What are the assessment tools for working that out? Building on the discussion about growth, how will you be assessing the slow-burn spending?”

“Is every Department zero-based?”

“It was not one of your top five complained about incidents last year, so what proportion is it?”

“Did I hear correctly that the agreement was made on the same day that it was announced?”

“The agreement was made on the same day.”

“I am very surprised.”

“I would like to start talking about authorised push payment fraud, which is something that is awful when it happens to you. It can be really disabling and disempowering for people, and can be quite connected to worries that I certainly have about financial inclusion and confidence in using some of these products. In 20…”

“I am interested that you are getting more now that we have a compulsory scheme, because you would have thought that a compulsory scheme would actually reduce your overall complaints. What has gone wrong with the compulsory scheme?”

“Your argument is that you think that that is a flow‑through from when the level of the incidents were increasing, then we got to 7 October with the compulsory scheme, and you think it will tail off?”

“Could you tell us a bit more about the ones that are not?”

“How can we be confident that a scheme is robust? Who is monitoring the number of claims that are paid under the compulsory scheme? We have your complaints going up, but we do not have full visibility at the moment about the number of claims that are being paid back by the payment services. How can we have confidence th…”

“We have current accounts, credit cards, and then three categories of motor finance, so would it come after that?”

“Are you resourced to cover those, if you see the complaints going up and we do not have full visibility of the success of the compulsory scheme?”

“How are you communicating with the Payment Systems Regulator about the compulsory scheme? If the compulsory scheme is not working and is not driving up that number of successful claims, the complexity of complaints is going to go up, and you may or may not be resourced to do it.”

“How long might an ombudsman case on one of these take?”

“Do you have a breakdown of how these are being dealt with? The emotional experience of being defrauded in this situation is acute, and you need to have confidence and pace. Do you have a breakdown of that?”