Post Office Card Account
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| Author | : Great Britain: Parliament: House of Commons: Business and Enterprise Committee |
| Publisher | : The Stationery Office |
| Total Pages | : 16 |
| Release | : 2008 |
| Genre | : Social Science |
| ISBN | : 9780215524904 |
The 12th report from the Business and Enterprise Committee (HCP 1052, session 2007-08) examines the Post Office Card Account (POCA) and successor arrangements. Benefit and state pensions from May 1999 were delivered by the direct payments system, with the aim that between April and March 2005 the majority of benefits and state pensions would migrate to a bank-based system, so replacing order books and girocheques. Part of this change involved the introduction of the Post Office Card Account. This account was for customers to obtain benefits who could not, or would not use a bank account (in HCP 1717, session 2005-06 (ISBN 9780215031426), the Treasury Committee's report, stated some 4.3 million people were using POCA to receive benefits, 2.3 million being pensioners). POCA therefore caters for people who do not want, or cannot use a conventional bank account, and that they are disproportionately likely to be poor or elderly and live in rural or deprived urban areas. The first contract for the Post Office Card Account expires in 2010. In May, 2007, the Government issued a tender in the Official Journal of the European Community (C2007, 5634 final). For the Committee, awarding the contract to an organisation other than the Post Office Limited will have grave effects on the Post Office network, and indirectly the taxpayer, who may need to pay an increased subsidy to maintain a national network of post offices, while supporting the commercial providers of the DWP card account. The contract has been advertised on the basis of the most economically advantageous tender, which does allow the Government to take a wide range of criteria into consideration. The Committee states, that the Government must ensure that easy and reliable access to cash and benefits remains possible for those who use POCA. Delays in the successor to POCA are destabilising Post Office Ltd, and leaving communities in rural and deprived urban areas uncertain about the future of their local post office. The Post Office network provides services of general economic importance and plays a vital social role. With the current contract expiring in April 2010, existing POCA customers will need to be transferred to a successor account.
| Author | : |
| Publisher | : Cambridge University Press |
| Total Pages | : 36 |
| Release | : |
| Genre | : |
| ISBN | : |
| Author | : Great Britain: Parliament: House of Commons: Trade and Industry Committee |
| Publisher | : The Stationery Office |
| Total Pages | : 58 |
| Release | : 2007-04-12 |
| Genre | : Business & Economics |
| ISBN | : 9780215033611 |
The Government believes that the current network of Post Offices is unsustainable and has outlined plans for restructuring, which involve closures, relocations and new delivery mechanisms. This report examines this strategy, the distance based criteria that would guide closures, the consultation on the plans at a local level, the future viability of the network, the services the post offices could provide to ensure their viability and the nature of the successor to the Post Office Card Account.
| Author | : Great Britain: Parliament: House of Commons: Business and Enterprise Committee |
| Publisher | : The Stationery Office |
| Total Pages | : 220 |
| Release | : 2009-07-07 |
| Genre | : Political Science |
| ISBN | : 9780215532695 |
For Vol. 1, Report, see (ISBN 9780215532725)
| Author | : Great Britain: Parliament: House of Commons: Scottish Affairs Committee |
| Publisher | : The Stationery Office |
| Total Pages | : 160 |
| Release | : 2011-01-09 |
| Genre | : Business & Economics |
| ISBN | : 9780215555830 |
The Committee's report considers two key issues: the maintenance of a universal service and the continuation of a sustainable Post Office network across Scotland. The report welcomes assurances that Scotland would not be made exempt from the universal service obligation. Further clarification is needed on Ofcom's power to designate more than one universal service provider. Ofcom should be required to consult with consumers, small businesses and vulnerable users in remote, rural and island communities in Scotland before it recommends any changes to the existing USO. There are considerable advantages to a long, stable and robust relationship between Royal Mail Group and Post Office Ltd and the Committee recommends that a ten year Inter Business Agreement should be reached prior to any sale of Royal Mail. On the Post Office network, the Bill makes no provision for the number of Post Offices and does not set out criteria for access to the network, a matter of concern because the current criteria could be met by 7,500 branches rather than the existing 11,500 branches. This could lead to many closures in Scotland. The Committee recommends that the Government gives assurances to preserving the existing network of branches. Elements of Outreach Post Offices, which replaced 102 Post Office branches in rural and remote parts of Scotland, are not sufficiently robust or reliable to provide an adequate service, according to the Committee, and it fears the new Post Office Local risks downgrading the service further. Improvements should be delivered as a matter of urgency.
| Author | : Great Britain: Parliament: House of Commons: Business and Enterprise Committee |
| Publisher | : The Stationery Office |
| Total Pages | : 48 |
| Release | : 2008 |
| Genre | : Social Science |
| ISBN | : 9780215523228 |
This is the Committee's third report on the Post Office: the first (3rd report session 2007-08, HC 292-I, ISBN 9780215513663) looked at the progress of the programme in which the post office network will be reduced to some 11,500 branches; the second (6th report, HC 577, ISBN 9780215520739) commented on the responses to the first Report, and raised particular concerns about the financial transparency of Post Office Ltd and Royal Mail Group, its parent company, about the adequacy of funding for outreach services, and about the relationship between Post Office Ltd and mail services. The Committee made the unusual decision to take oral evidence from Post Office Ltd and Postwatch between publishing its sixth report and receiving the Government response. This evidence has confirmed two of the Committee's concerns: the costs to Post Office Ltd of delivering Royal Mail Group services; and the financial support to sub-postmasters for providing outreach services. Royal Mail Group and Post Office Ltd should provide clear information on: what services Royal Mail Group expects Post Office Ltd to deliver for it; how Royal Mail Group determines the price it pays for these services; and how much it actually currently costs Post Office Ltd to deliver them. The Committee remains concerned that the funding provided for outreach services may be inadequate, and recommend that the National Audit Office investigate the financial arrangements for outreach services.
| Author | : Great Britain: Parliament: House of Commons: Business, Enterprise and Regulatory Reform Committee |
| Publisher | : The Stationery Office |
| Total Pages | : 150 |
| Release | : 2008 |
| Genre | : Social Science |
| ISBN | : 9780215520760 |
This report examines how the Post Office closure programme is being implemented and areas where it could be improved. The Network Change Programme began in July 2007 and the final consultation is scheduled to end in October 2008. This challenging timetable has meant that consultation has been curtailed, and the whole process has been rushed. The Committee does not accept that a reduction to 7,500 offices is acceptable, and a minimum of 11,500 fixed outlets is recommended. Post Office Ltd should be clearer in its approach to public consultation about closures. The Committee is also concerned that access criteria - proximity of population to offices, local transport and geographical constraints - have not been fully taken into account, nor the principle of services being fully accessible to all. The process has been improving with more experience, but there is still room for further improvement and clarity.
| Author | : Roberto Ruozi |
| Publisher | : Springer Science & Business Media |
| Total Pages | : 278 |
| Release | : 2013-03-14 |
| Genre | : Business & Economics |
| ISBN | : 3662048825 |
After the positive experience made in 1999, with the research and consequent publication of the volume "Banking Privatisation in Europe. The Process and the Consequences on Strategies and Organisational Structures", published by Springer-Verlag, we have decided to set up a new group of researchers to study the present changes within the European postal systems and the privatisation developments. Starting from our competencies and specific knowledge - financial markets and management of bank intermediaries - our research has basically focussed onto the posts' financial services offer and their future perspectives. The subject is particularly interesting considering the radical changes, which are giving to 'the postal activity and the competition itself a new profile. And this reality paves the way to new opportunities in the market segment of financial services for retail customers and, at the same time, it brings in new threats. Our approach is the approach of compared analysis in Europe in order to detect common trends in the development or possible specific features, as well as positioning perspectives of the different national Posts in the single market of financial services. Our working group has benefited from the collaboration of researchers and experts with different nationality, university education and experience. Eminent representatives of postal companies, regulation and control bodies, banks and financial institutes have been interviewed and have allowed precious elements to deepen our knowledge and capacity of interpreting the present trends.
| Author | : Great Britain: Parliament: House of Commons: Trade and Industry Committee |
| Publisher | : The Stationery Office |
| Total Pages | : 84 |
| Release | : 2006-12-14 |
| Genre | : Political Science |
| ISBN | : 0215031733 |
Royal Mail Group : Ninth report of session 2005-06, Vol. 2: Oral and written Evidence
| Author | : John Anderson |
| Publisher | : FriesenPress |
| Total Pages | : 259 |
| Release | : |
| Genre | : Business & Economics |
| ISBN | : 1039188427 |
In almost half the communities in small town and rural Canada that have a post office, there are no bank or credit union branches; Only about fifty-four bank and credit union branches exist in the over 615 First Nations communities in Canada; A growing number of urban areas in Canada have no accessible banks or credit unions Why Canada Needs Postal Banking offers a plethora of information about the banking industry that will shock ordinary Canadians. In explaining the banking system that many of us take for granted, the author reveals a deep, and largely unrecognized, gap between the services offered in densely populated, urban spaces and those available in small towns, rural and remote regions, and Indigenous communities. As a solution to this dearth in services, John Anderson proposes a logical alternative to big, private-sector banks: the post office. Basing his argument on historical fact, international experience, and the exorbitant cost of traditional banking services, the author builds a logical and compelling case for reestablishing banking services at Canada Post. Composed of a collection of research papers, interviews, and opinion pieces, Why Canada Needs Postal Banking provides convincing and well-organized data to support the reintroduction of postal service banking in Canada. Readers can absorb survey results that document citizen, municipality, and union support for this strategy. Tables and graphics provide easy access for those who want to assess the statistical facts and figures at a glance. Written in clear, succinct, and transparent language, Why Canada Needs Postal Banking engages the reader while delivering surprising information. In a landscape where challenges seem overwhelming much of the time, this book proposes a solution that, while not without its difficulties, is implementable. It delivers answers and alternatives that support business and individuals’ needs in different parts of the economy that have been, for too long and too often, overlooked.
