The rigging of Libor rates and the misselling of payment protection insurance has led many people into believing that the UK's financial system is broken.Speaking to the Labour Party Annual Conference, the party's leader Ed Miliband said: "We need banks that serve the country - not a country that serves its banks."He suggested that the next Labour government would "sort out our banks", not only to prevent another financial crisis but to ensure the sector supports the populace.Money lenders should either fix their operations before the next election or expect the Labour government to break them up "by law", the politician declared.Richard Lloyd, executive director of consumer advocacy organisation Which?, claimed that the general public would agree with Mr Miliband that a "big change" is required in the financial services sector.Not only must practices change, but regulations and the overall culture of the industry will also have to be altered, he argued.Amir Hussain Amir specialises in personal loans, consumer debt and debt management
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