Richard Lloyd
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Richard Lloyd joined Which? in April 2011 as Executive Director.

Richard has over 20 years’ experience of campaigning, policy-making and service provision in charities, housing agencies and local government.

Richard has also worked for two years in No10 Downing Street as a Special Adviser to the Prime Minister, dealing with economic issues across the government, including strategy, communications and consumer policy.

Entries by Richard Lloyd

Government Needs to Get a Grip on Nuisance Calls and Texts and Put Consumers Back in Control of Their Personal Data

(3) Comments | Posted 11 June 2013 | (00:00)

We're all sick and tired of being bombarded with nuisance calls and texts and it's no wonder when you consider just how many of us are being affected.

Our latest research reveals that around eight in ten (85%) people received an unsolicited call in the last month, and of...

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A Queen's Speech for Consumers?

(6) Comments | Posted 7 May 2013 | (00:00)

Could Wednesday's Queen's Speech set out the most consumer-friendly parliamentary agenda in years?

If it is, it won't be a moment too soon.

Our research paints a pessimistic picture of consumer sentiment, with the majority expecting the cost of living and their household budget to get even tighter than last...

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The Government and Ofgem Must Sort This Mess Out by Forcing Energy Companies to Present Their Prices in a Clear, Simple Way

(6) Comments | Posted 23 April 2013 | (00:00)

Six months ago David Cameron stood up in the House of Commons and made a bold commitment that took everyone by surprise.

After yet another round of inflation busting price rises by the big energy companies, he promised to intervene and legislate so that energy companies have...

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Calling Time on Nuisance Calls and Texts

(42) Comments | Posted 19 March 2013 | (23:00)

It's clear that nuisance calls and texts have become a daily problem for many people. They not only cause frustration, but they can even be distressing and intimidating.

We've had more than 1,600 comments about nuisance calls and texts on our website and many of them had...

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The Banks Are Not Off the Hook

(4) Comments | Posted 30 January 2013 | (23:00)

Britain's banks may have escaped immediate referral to the Competition Commission by the Office of Fair Trading last week, but they aren't off the hook.

The OFT's damning verdict on the current account market, which finds the industry still lacks both customer focus and effective competition, is...

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Banking Scandals Once Again Highlight the Need for Fundamental Changes

(0) Comments | Posted 28 September 2012 | (17:58)

Two big banking scandals have been back in the headlines this week, reminding us how much Big Change is needed in the industry to put customers first, not bankers.

With more than 2.2 million new Payment Protection Insurance (PPI) complaints being made in the first six...

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Big Change to Put Customers First, Not Bankers

(2) Comments | Posted 21 September 2012 | (00:00)

We thought we'd seen banking at its lowest point when the public were forced to bail out the banks four years ago, but since then we've seen the libor rate-rigging scandal and continued mis-selling. All the while the bankers who presided over corruption continue to enjoy hugely inflated pay and...

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Time for Tough Questions on Rates-Rigging and Banking Reform

(7) Comments | Posted 5 July 2012 | (00:00)

Four years on from the financial crisis and a year since the Vickers Commission reported and there's no evidence that the worst culture and practices in banking have changed.

Consumers have clearly had enough. Four in five (83%) of people we asked said they haven't seen any improvement in...

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The Chancellor Must Stand Firm on Banking Reform Amid Intense Bank Lobbying

(9) Comments | Posted 8 June 2012 | (00:00)

We've recently seen a series of u-turns from the chancellor on Budget measures including the controversial pasty, caravan and charities taxes. George Osborne says he is now focused on the biggest things that matter to the economy.

Ahead of his annual Mansion House speech and the expected publication of the...

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The Government Needs to Green Up its Act

(1) Comments | Posted 21 May 2012 | (00:00)

As the prime minister is reportedly reviewing the coalition's flagship Green Deal, we want him to take this opportunity to make big changes to ensure this scheme turns out to be a good deal for consumers.

Which? supports the ambition for homes to be more energy efficient and we welcome...

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The Big Switch: A First That Worked

(0) Comments | Posted 17 May 2012 | (00:00)

When we launched the Big Switch with 38 Degrees in February, we knew it wouldn't be easy. This was a completely new way to buy energy using the power of thousands of consumers to collectively negotiate a better deal with suppliers. Nothing has ever been attempted on this...

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Time to Put an end to Complex and Unfair Energy Tariffs

(1) Comments | Posted 23 September 2011 | (00:00)

It's not often that energy policy is headline news during the party conference season. But when energy prices are people's number one financial concern, it's no surprise that Chris Huhne used his keynote speech at the Lib Dem conference to promise to get tough with energy companies. This included a...

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Claims Management Companies Must Clean up Their Act

(0) Comments | Posted 21 September 2011 | (14:53)

Banks mis-sold payment protection insurance (PPI) for years. They've finally admitted they were in the wrong and set aside £7.4 billion to compensate consumers.

Now, claims management companies (CMCs), who will act on your behalf to get your money back, want a piece of that lucrative market...

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