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Mr Speaker,

I have been surprised by some of the reaction I have had to my decision to retire. All sorts of motivations have been ascribed to my decision.

One of my cabinet colleagues – who is always concerned about how these sorts of things look for the Government – was keen to spread the rumour that the real reason could be traced to the existence of a series of incriminating photographs.

I was alarmed at the speed at which Murray McCully was able to invent such a scenario.

Thanks, Sir John, for those remarks.

Ladies and Gentlemen …

A woman from a small South Island town borrowed $250 from a payday lender over the internet.

The loan was for two weeks and with interest and fees she was due to pay back $375 from her loan of $250.

But she was not able to pay the full amount back within the two weeks.

Hon John Boscawen speech to launch Consumer Rights Day; Pataka Museum of Arts and Cultures, Norrie Street, Porirua; Tuesday, November 30 2010.

Good morning ladies and gentlemen, it's great to be here.  I'd like to begin by extending a warm welcome to everyone who was made the effort to be here today - it's great to see how many agencies are represented here today to demonstrate what they can do for the community.

Hon John Boscawen speech to the Disputes Tribunal Referees Forum; The Holiday Inn, Featherston Street, Wellington; Friday, November 5 2010

Hon John Boscawen speech to the Citizens Advice Bureau New Zealand (CABNZ) National Forum; the Brentwood Hotel, Kemp Street, Kilbirnie, Wellington; Thursday, October 28 2010

Hon John Boscawen speech to Member Forum for Electricity and Gas Complaints Commissioner Scheme DVD Launch; The Holiday Inn, Featherston Street, Wellington; Wednesday, August 25 2010.

Hon Heather Roy speech to the launch of ‘The ORB' (Online Reporting Button); New Zealand Police National HQ, Molesworth Street, Thorndon, Wellington; Thursday, August 5 2010.

Hon Heather Roy speech to the First Reading of the Credit Reforms (Responsible Lending) Bill; Parliament, Wellington; Wednesday, July 21 2010.

Hon Heather Roy address to the Australia and New Zealand Ombudsman Association (ANZOA) conference; the Holiday Inn, Featherston St, Wellington; Friday, May 7 2010.

Hon Heather Roy speech to launch Complaintline; Grand Hall, Parliament; Wednesday, March 17 2010.

Hon Heather Roy speech to the TrustPower National Community Awards; World of Wearable Arts & Classic Cars Museum, Quarantine Road, Nelson; Saturday, March 13 2010.

Hon Heather Roy presentation to the Employers and Manufacturers' Association (EMA) Northern Members Policy Forum on 'One Law - One Door'; EMA Boardroom, Khyber Pass Road, Grafton, Auckl

Hon Heather Roy speech to launch Fraud Awareness Week 2010; Vodafone, Viaduct Harbour Avenue; Auckland; Monday March 1 2010.

Hon Heather Roy address to Consumer NZ 50th Board Meeting; Wellington; Friday, December 11 2009.

Hon Heather Roy address to the Advertising Standards Authority ; Turnbull House, Bowen Street, Wellington; Tuesday, December 8 2009.

Hon Heather Roy presentation to the Ministerial Council of Consumer Affairs (MCCA); Perth, Australia; Friday, December 4 2009.

Hon Heather Roy speech to the Combined Ministry of Consumer Affairs Stakeholders meeting; Ministry of Economic Development, Bowen St, Wellington; Monday, November 30 2009.

Hon Heather Roy speech to the New Zealand Juice and Beverage Association Annual Conference; Novotel Lakeside Hotel, Lake End, Tutanekai Street, Rotorua; Thursday, October 1 2009.

Hon Heather Roy opening address to Financial Summit 2009; Otara Music and Arts Centre; cnr Newbury St & Bairds Rd, Otara Town Centre, Otara, Auckland; Friday, September 25 2009.

Opening address to the Cosmetic, Toiletry and Fragrance Association of New Zealand's Annual Industry Conference; Sky City, Auckland; Friday, March 13 2009.

Speech to the launch of Fraud Awareness Week; Trade Me, Level 3, NZX Centre, 11 Cable Street, Wellington; Monday, March 2 2009.

Speech to the Marlborough Chamber of Commerce; Wednesday, January 21 2008.