On 13th January 2020 at 6:30pm renowned speakers from the labour movement highlighted the impact of zero-hours contracts. I would like to thank the Trades Union Conference for organising such an event in partnership with Thomson Solicitors. Ripon Ray, representing UCAN, a campaign group focused on educating and informing members of the public on universal credit, was part of the panel.
It’s a well-known fact that individuals who suffer from a hampered mental capacity - be it mental health or learning difficulties - are most likely to be vulnerable in our communities. They are also more likely to be victims of miss-sold products and services by companies, even though organisations that are providing financial products and services have a duty under the Financial Conduct Authority (FCA) to take extra care towards these individuals. This is what the FCA has to say about vulnerable customers: ‘ The vulnerability of the customer, in particular where the firm understands the customer has some form of mental capacity limitation or reasonably suspects this to be so because the customer displays indications of some form of mental capacity limitation (see ■ CONC 2.10) But due to a culture of intensive selling to consumers, generated by employers placing and enforcing - often difficult and unrealistic - performance goals wh...
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