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Dave Mendes da Costa Profile
Dave Mendes da Costa

@Dave_MdaC

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Lead consumer policy at @CitizensAdvice. Used to do policy @TheFCA. Born in West Midlands, live in West Yorkshire. "Optimist" Views my own.

Joined June 2022
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@Dave_MdaC
Dave Mendes da Costa
2 years
🧵Essential Services, Essential Oversight New blog from me looking at how a focus on outcomes, rather than an ever increasing list of rules, can change the culture of regulators and businesses and place consumers at the heart of the market. https://t.co/syV0PXcxIh
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wearecitizensadvice.org.uk
Changing culture in markets and their regulators
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@MattleyVW
Matt Vaughan Wilson
6 months
📢 Very pleased to see the government's new consultation on council tax administration. This is only the start of a process - but a a big opportunity to make council tax collection fairer and bring it into line with other types of debt collection.
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gov.uk
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@Dave_MdaC
Dave Mendes da Costa
9 months
More on our recent work with the Behavioural Insights Team here looking at links between online design and vulnerability. Linking these ideas together is so important so we're exciting to have the next phase of this work will out soon. https://t.co/swrmEwfqOm
citizensadvice.org.uk
This report explores how Online Choice Architecture may interact with and effect outcomes for consumers in vulnerable circumstances
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@Dave_MdaC
Dave Mendes da Costa
9 months
Great to see the ban on drip pricing kick in today. We @CitizensAdvice have been pushing for this for years as part of our work to tackle 'deceptive design' practices online. We're in the middle of some really exciting work atm in this space. https://t.co/B50For5QYo
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theguardian.com
New law aims to eliminate added costs that can be up to 25% of retail price
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@Dave_MdaC
Dave Mendes da Costa
9 months
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@Dave_MdaC
Dave Mendes da Costa
9 months
With essential bills shooting up today we have published three reports by @CitizensAdvice, @IPPR and @policy_practice looking at how support for low income customers can be effectively targeted and automatically delivered to those most in need. We've summarised them in 7 pics:
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@ClareMoriarty
Clare Moriarty
10 months
Everyone agrees the welfare system needs reform, and the government’s commitment to improving employment support is welcome. But reaching for a quick fix of restricting eligibility and reducing people’s incomes is not the way to make lasting change happen https://t.co/i66pM5C5fp
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theguardian.com
Exclusive: Clare Moriarty hits out at Labour’s plan as ‘short-term action’ with ‘long-term consequences’ in rare intervention
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@Dave_MdaC
Dave Mendes da Costa
10 months
And this report on how the Fair Work Agency needs to be designed to tackle issues like this https://t.co/xFFPpPROWU
citizensadvice.org.uk
What should the Fair Work Agency look like to deliver for vulnerable workers.
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@Dave_MdaC
Dave Mendes da Costa
10 months
Another reminder of how the poor design of the care workers visa led - predictably - to exploitation. This is something our advisors see sadly all too often @CitizensAdvice. We need to see changes to the visa and an effective Fair Work Agency asap.
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theguardian.com
Anti-slavery commissioner says scheme to plug staffing gaps post-Brexit was a ‘blunt instrument’ that enabled exploitation of the vulnerable
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@mariacbooker
Maria Booker
10 months
This is really interesting work from @mmhpi & @CitizensAdvice. The barriers to people with mental health problems contacting their telco supplier are very likely to apply to others including those on low incomes...@FairByDesign #povertypremium
@FairByDesign
Fair By Design
10 months
New research from @mmhpi & @CitizensAdvice on unequal access in the telecoms market. This is a clear example of people with mental health problems paying more for the same essential service. #povertypremium
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@ce_maughan
Chloe Maughan
10 months
We're currently looking for Senior Policy Researchers to join the Consumer & Public Services team at @CitizensAdvice. Details here ⬇️ https://t.co/DrvHQHAgXk
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jobtrain.co.uk
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@chrislees_
Chris Lees
10 months
Last year for @CitizensAdvice we asked our Research Community about their expeirences of trying to haggle with their telecoms provider. We found that the toxic combination of a tricky process and common symptoms of mental health problems can make this nearly impossible
@TessThompsonCA
Tess Thompson
10 months
When your fixed term telecoms contract comes to an end 📱 🌐, haggling with your provider is one of the ways to avoid your bill shooting up 📈. At @CitizensAdvice, we're worried that not everyone has equal access to these 'hidden deals.' 🧵
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@FairByDesign
Fair By Design
10 months
New research from @mmhpi & @CitizensAdvice on unequal access in the telecoms market. This is a clear example of people with mental health problems paying more for the same essential service. #povertypremium
@TessThompsonCA
Tess Thompson
10 months
When your fixed term telecoms contract comes to an end 📱 🌐, haggling with your provider is one of the ways to avoid your bill shooting up 📈. At @CitizensAdvice, we're worried that not everyone has equal access to these 'hidden deals.' 🧵
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@Dave_MdaC
Dave Mendes da Costa
10 months
If you want the best price for mobile or broadband you have to ring up and haggle - but not everyone is as confident or able to do this. It's time for a rethink about how this works. Our report today hopes to get this conversation started - get involved! https://t.co/GksigOpngN
citizensadvice.org.uk
This report looks at ‘hidden deals’ in the telco market - lower prices obtained via haggling. Our findings show access to these deals is unequal, with barriers and sludge in the consumer journey...
@TessThompsonCA
Tess Thompson
10 months
We worked with @mmhpi to survey people with lived experience of mental health problems. We found that although 3 in 4 people surveyed tried to haggle, the majority (85%) found that their symptoms made this hard.
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@Dave_MdaC
Dave Mendes da Costa
11 months
Surely the film industry instinct of signing of sequels has now gone too far. Does this episode follow our plucky bank manager as he navigates the FCA's new growth agenda while considering the impact of the Consumer Duty on CDFIs? 👀 I actually might watch that 👀
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@Dave_MdaC
Dave Mendes da Costa
1 year
I doubt I'm the only loser in this new approach and so many people are going to have the nasty surprise in April of being worse off due to this change. This was totally predictable and is why we called for a total ban on these price rises, so that fixed really means fixed. END
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@Dave_MdaC
Dave Mendes da Costa
1 year
In the new world, the price goes up by a fixed pounds and pence amount. For my supplier it's £3.50. But that's a 14.5% rise. RPI is currently around 3.5% so with the old system my bill would rise by 7.4% - essentially half as much as the rise I'm actually going to see. (3/4)
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@Dave_MdaC
Dave Mendes da Costa
1 year
I renewed my broadband this week. My new package costs £24/month. In April there will be a mid contract price rise. In the old world this rise would be RPI+3.9%. And that was not a good system. Most people don't know what 'RPI' means so it's not fair to include such terms. (2/4)
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@Dave_MdaC
Dave Mendes da Costa
1 year
Ofcom's ban on inflation linked mid contract price rises is finally here. But in falling short of the full ban on these rises which we @CitizensAdvice called for, Ofcom's new system will see many customers worse off. A personal example...(1/4) https://t.co/67gyIvBt8K
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bbc.com
It comes after customers complained of not being able to plan for price rises.
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