Tag: Speeches

Rosie Cooper – 2022 Statement Standing Down as MP for West Lancashire

The statement made by Rosie Cooper, the Labour MP for West Lancashire, on 30 November 2022.

I have today stood down as MP for West Lancashire to take up the role as Chairman of Mersey Care NHS Foundation Trust.

Representing West Lancashire in Parliament for the past 17 years has been the greatest honour of my lifetime. I am immensely grateful for the confidence that my constituents placed in me, across 5 elections, to be their voice in Westminster.

I leave with a heavy heart, knowing that despite my efforts to distance myself from events in the past, the choice of broadcasters to re-tell this story is out of my control. I hope in the future, production companies will be more considerate of the effect that these programmes and the publicity campaign surrounding them, will have on the victims of crimes regardless of how public that crime was.

I am, however, thrilled to be moving on to a new role within the NHS. Protecting and improving the health service has always been a great passion of mine. I am taking up this responsibility at a time when the challenges facing the NHS have never been more apparent.

December 1, 2022
Stewart Hosie – 2022 Speech on Independent Adviser on Ministerial Interests

The speech made by Stewart Hosie, the SNP MP for Dundee East, in the House of Commons on 30 November 2022.

When the Government published their policy paper on revisions to the ministerial code on 27 May, it said that there would be “an enhanced process” for the initiation of investigations under the ministerial code, that the independent adviser could initiate his or her own investigations, that there would be a more specific reference to the adviser in the ministerial code, and that there would be a duty on Ministers to provide all the information necessary to allow the adviser to discharge his or her duties. However, it turns out that the Prime Minister is not offering potential candidates any enhanced powers, meaning that advisers will not be able to launch their own investigations, and that confirms the blocking of the expansion of powers by his predecessor. So it is a simple question: why are the Government reneging on their own policy statement of May this year, making it more difficult to appoint an independent adviser?

Alex Burghart

I refer the right hon. Gentleman to the answer I gave a few moments ago. He seems terribly well informed, but he seems to have stopped short of reading Lord Geidt’s response to the changes in the terms of reference, where he said that

“this would be a workable scheme”.

November 30, 2022
Alex Burghart – 2022 Speech on Independent Adviser on Ministerial Interests

The speech made by Alex Burghart, the Parliamentary Secretary at the Cabinet Office, in the House of Commons on 30 November 2022.

The Government welcome the opportunity to stress again the importance of the role of the independent adviser and this Government’s commitment to it. The Prime Minister has been very clear that the appointment of a new independent adviser is a priority and that the appointment process is under way. Hon. Members will understand that an appointment of this nature is significant and has to be done well. Much as hon. Members might wish me to, it would not be appropriate for me to comment further on specifics of what is an ongoing appointments process. Let me assure hon. Members: the adjudication of issues of ministerial conduct does not stop because the independent adviser is not yet in post. Conduct matters and conduct issues will be dealt with quickly and appropriately, irrespective of that appointment process.

That is what hon. Members will have seen with regard to complaints made against the Deputy Prime Minister. On receipt of formal complaints by the Cabinet Office, the Prime Minister requested that an independent investigation be conducted by an individual from outside Government, and Adam Tolley KC has been appointed to conduct the investigation. The terms of reference have now been published. The process is under way, and Mr Tolley will provide his report to the PM in due course. It is right that these matters are investigated fully, but it would not be right to comment further on them when that process is ongoing.

I would also like to reassure hon. Members that the process of managing the interests of Ministers continues in the absence of an independent adviser. The permanent secretary, as the policy expert on each Department’s remit, leads the process in their Department in the absence of an independent adviser. The Cabinet Office is able to provide advice in line with precedent. All relevant interests are declared by Ministers upon taking office and are kept up to date at all times. The publication of the list of Ministers’ interests is the end point of the ministerial interests process, and it takes place at regular intervals to make the public aware of the relevant interests of Ministers.

I will end by reiterating that as soon as there is an update on the process to appoint an independent adviser on Ministers’ interests, the Government will update the House.

November 30, 2022
Angela Rayner – 2022 Speech on Independent Adviser on Ministerial Interests

The speech made by Angela Rayner, the Deputy Leader of the Labour Party, in the House of Commons on 30 November 2022.

Thank you, Mr Speaker, for granting this urgent question.

How many times have I heard, “Soon; jam tomorrow; mañana, mañana”? We need the Prime Minister, who promised to appoint an independent ethics adviser as one of his first acts, to actually deal with this issue. Yet despite Ministers being accused of bullying and intimidation, or being reappointed despite security breaches, there is still no adviser. It is clear that ethics and integrity are not a priority for the Government, despite the Prime Minister’s words.

We are told that recruitment is under way, but apparently no one will accept this poisoned chalice. So can the Minister tell us how many candidates have been approached and how many have refused the job? Will the Prime Minister follow his disgraced predecessors by denying the so-called independent adviser the power to launch their own investigations? Or does he have no plan to restore standards? Will he just preserve the rotten regime that he inherited?

What on earth is the system in the meantime? Who will investigate the allegations of Islamophobia made by one serving Minister against another? The Minister mentioned the Deputy Prime Minister, who had to demand an investigation into himself because the Prime Minister was too weak to do so. How many formal complaints have now been made? The Minister mentions Adam Tolley. Why is he not allowed to proactively investigate the so-called informal complaints? Will he investigate allegations made by the former permanent secretary? And who will finally get to the bottom of the dangerous use of private emails by Ministers?

No. 10 said in reference to the Home Secretary that it could not investigate breaches under previous Administrations. But that is what is happening now with the Deputy Prime Minister, so why not? Why now is there an excuse for refusing to investigate the Home Secretary’s breach? Will the Prime Minister appoint a truly independent watchdog?

Alex Burghart

It is wonderful to hear the right hon. Lady’s interest in this matter today. As it happens, we had a debate on this very issue in Westminster Hall yesterday. The House will be shocked to hear—

Mr Speaker

Order. I am here, Minister, not over there—and I hate to say it, but there is nobody even standing on that side.

Alex Burghart

Thank you for the reminder, Mr Speaker.

The House will be shocked to hear that the right hon. Lady was not present at that Westminster Hall debate—[Interruption.] Because it was about the ministerial code, which is the subject of the urgent question. The right hon. Lady and her hon. Friends did not bother to show up, and they missed the opportunity to hear the hon. Member for Rhondda (Chris Bryant) speak very pertinently on this subject. Not only was the right hon. Lady not there, but her Front-Bench colleagues did not turn up to ask questions, either.

The right hon. Lady refers to rumours in the press, but let us look at the facts. The Prime Minister has been in office for 31 days. On his first day, he said he would make an appointment. He has made repeated assurances in this place and other places, as have members of the Cabinet, and that has continued in yesterday’s debate, at Prime Minister’s questions and for this urgent question.

The right hon. Lady talks about the powers of the independent adviser, but I remind her that in May this year, Lord Geidt said that we had come up with “a workable scheme”. I have to say that it is starting to sound very much like the Opposition cannot take yes for an answer. We are going to have an independent adviser who will have the powers they need. They are going to be appointed very soon.

November 30, 2022
Marsha De Cordova – 2022 Speech on the National Eye Health Strategy

The speech made by Marsha De Cordova, the Labour MP for Battersea, in the House of Commons on 29 November 2022.

I beg to move,

That leave be given to bring in a Bill to require the Secretary of State to publish a national eye health strategy for England; and to require that strategy to include measures for improving eye health outcomes, for reducing waiting times for eye health care, for improving patient experiences of eye health care, for ensuring that providers of eye health care work together in an efficient way, for increasing the capacity and skills of the eye health care workforce, and for making more effective use of research and innovation in eye health care.

The Bill would ensure that regardless of where one lives, everyone can access the right care where and when they need it, eliminating the postcode lottery and addressing the inequalities in access to eye care services. An estimated 2 million people are living with sight loss in the UK. We rely on our eyes every day, yet we do not give much thought to our eye health until our vision changes.

A report earlier this summer showed that 17.5 million adults in the UK had not had an eye test in the past two years, as recommended. Anyone can be impacted by sight loss, and Members from across the House will have hundreds of constituents affected. Fifty per cent. of all sight loss is avoidable and 250 people begin to lose their sight every day, with a shocking 21 people a week losing their sight due to a preventable cause.

Eye care services in England are under intense pressure due to huge backlogs as a result of the pandemic, demand from an ageing population and low recruitment and retention of all groups of the ophthalmology clinical workforce. More than 650,000 people are on the waiting list in England, of whom 37% have been waiting for over 18 weeks and over 4% have been waiting for more than a year—that is, 26,000 people who have been waiting for more than 12 months to see a specialist.

Ophthalmology has been the busiest NHS out-patient clinic for the past three years. Delays to diagnosis and treatment can lead to a complete loss of sight. For example, patients with age-related macular degeneration can experience rapid and sometimes complete central vision loss within weeks if not treated. As well as the social and emotional impact of sight loss, there is a huge economic cost to the UK economy, which is estimated to be £36 billion annually.

To respond to the crisis in eye health, the Government can commit to implementing a national eye health strategy for England that would include measures to improve eye health outcomes, reduce waiting times, improve patient experiences, increase the capacity and skills of the workforce and make more effective use of data, research and innovation.

In the first instance, the Government could seek to appoint a single Minister with responsibility for eye health rather than having the current situation where multiple Ministers are responsible.

The strategy should include the following areas. First, there should be an eye health and sight loss pathway to require care and support for those with sight loss, focusing on the provision of non-clinical community support to complement the work of community optometrists, ophthalmologists in hospitals and rehab officers. The pathway must focus on the physical and emotional impacts of being diagnosed with sight loss, as research has shown that people affected are likely to experience poor mental health lifetime outcomes such as depression and anxiety. It should not only address geographical eye health inequalities, but ensure more equity of access to eye care among communities and populations more at risk of being unable to access NHS sight tests, including people who are homeless and people with a learning disability.

The second area is to improve connections between primary and secondary care, with an emphasis on integrated care systems and on improving the relationships and collaboration across the two services so that they can work more effectively together while ensuring timely and accurate referrals. That would significantly improve patient experiences and health outcomes.

The third area is workforce expansion. Limited capacity is a particular concern in eye care because there is a significant shortage of eye doctors. Back in 2018, the Royal College of Ophthalmologists revealed that 434 additional specialist posts were required to meet demand, and we know that the situation is now even worse. The World Health Organisation’s Workforce 2030 plan recognises the fundamental role of the workforce in improving health outcomes. A national strategy for eye health must address that issue, placing emphasis on the recruitment, training and upskilling of medical and non-medical eye health professionals.

The fourth area is health intelligence and data. Meaningful action starts with good-quality data, but for too long population data has not been used effectively to pinpoint the location of need and places where opportunities for change can be found. A strategy should involve focusing on robust data collection to inform decisions and improve the delivery of the service. Advances in research and technology, from how people are diagnosed to how they receive treatment, must be incorporated. Effective and efficient methods are available, but they are not being used. A strategy would change that.

Finally, the fifth area is raising awareness of eye health by creating better public health messaging. Nearly 2 million people each year turn up at an accident and emergency department or try to get a GP appointment for a problem that could be dealt with by visiting a community optometrist. We need campaigns to raise awareness of the importance of maintaining good eye health and to educate the public on the differences between eye screening and eye tests, along with improved signposting on where to go for help, should one need it.

Health strategies have delivered positive outcomes in Scotland, as they have in England for other diseases, but at present England is the only country in the UK without an eye health strategy. It is important to note that for such a strategy to be successful and of value, it must be designed in collaboration with stakeholders, including blind and partially sighted people, civil society groups, care providers and the industry. It must also have sufficient resource and investment.

Given the scale of the problems, it is in the Government’s interest to commit to a strategy. The benefits would transform lives, alleviate pressures on the health service and reduce economic costs. We should make it our goal to ensure that no one loses their sight unnecessarily. I thank everyone who has contributed to the Bill, including the partnership The Eyes Have It, the Thomas Pocklington Trust, industry leaders such as Specsavers and Roche and, most importantly, people living with sight loss. The sector has been united in the call for a national eye health strategy. It is time for the Government to act.

Question put and agreed to.

Ordered,

That Marsha De Cordova, Kate Osamor, Bell Ribeiro-Addy, Sir Stephen Timms, Rosie Duffield, Janet Daby, Kim Johnson, Ian Byrne, John McDonnell, Clive Lewis, Dr Rupa Huq and Jim Shannon present the Bill.

Marsha De Cordova accordingly presented the Bill.

November 30, 2022
PRESS RELEASE : Regulatory Horizons Council (RHC) publishes independent recommendations on the future regulation of neurotechnology and AI as a medical device [November 2022]
The press release issued by the Department for Business, Energy and Industrial Strategy on 30 November 2022.
The Regulatory Horizons Council (RHC) has published 2 independent reports today (30 November 2022) on the regulation of neurotechnology and AI as a medical device, to encourage the safe and rapid development of these 2 key technologies.

The Business Secretary, Grant Shapps, has written to the Regulatory Horizons Council welcoming the reports, saying:

Technological innovation is fundamental to the government’s plans for unlocking growth.

I am committed to growing the UK’s global reputation for regulatory best practice and capitalising our Brexit freedoms. Building on plans outlined in the Innovation Strategy and by the Taskforce on Innovation, Growth and Regulatory Reform, I intend to foster a regulatory approach that will promote innovation, growth and inward investment.

The work of the Regulatory Horizons Council is a key part of modernising our approach to regulatory reform.

Neurotechnology is an umbrella term that includes a wide range of devices that record or alter the activity of the nervous system. This includes promising medical applications that could improve the lives of thousands of people in the UK enduring health conditions such as Parkinson’s, Alzheimer’s, depression, rheumatoid arthritis and cardiac illnesses.

From mind-controlled drones to devices that improve focus and reduce fatigue, emerging applications in the non-medical field could redefine how we interact with one another and leverage the potential of the human brain in unprecedented ways.

The RHC’s new neurotechnology report suggests an interactive taxonomy to guide future conversations on neurotechnology governance and makes 14 regulatory reform recommendations to:

establish a proportionate regulatory framework that encourages the safe commercialisation of medical neurotechnologies and addresses under-regulation concerns in the non-medical sector; and

build an anticipatory governance framework to address forward-looking privacy, ethical and security challenges.

Artificial intelligence as a medical device (AIaMD) is another emerging technology with widespread healthcare applications, such as supporting the early detection of cancers, and providing risk estimates of the likelihood a patient will develop a condition such as heart disease.

The safe use of AI in medical devices has the potential to create efficiencies and cost savings in NHS processes through automation of routine tasks, and can detect predictors of disease with greater speed and accuracy than health professionals.

The RHC AIaMD report outlines the challenges and current gaps in the regulation of AI as a medical device and provides recommendations on developing a regulatory framework that balances the needs for effectiveness, safety and equity, with the importance of ensuring that high-quality AIaMD innovations are brought to patients.

The RHC is now undertaking a prioritisation exercise to identify its next programme of work. As part of this, it has accepted BEIS’ commission to undertake a review of the regulation of quantum technologies.

Creating a regulatory environment that promotes innovation and growth of the UK quantum industry will enable the UK to lead the debate in international fora, and ensure that quantum technologies are used for the benefit of UK society – with global productivity gains from quantum anticipated to be worth $100 billion annually within the next few decades.

Requests for more examination (relating to technological innovation), in areas you would like the Regulatory Horizons Council to investigate further, can be made by completing this form.
November 30, 2022
Andrew Griffith – 2022 Speech on Illegal Money Lending

The speech made by Andrew Griffith, the Economic Secretary to the Treasury, in the House of Commons on 29 November 2022.

It is a pleasure to speak in this debate. I congratulate my hon. Friend the Member for Blackpool North and Cleveleys (Paul Maynard), who has a distinguished record in advocating for this subject that is matched only by his distinguished record in speaking up for his constituents.

As my hon. Friend so persuasively explained, loan sharks—he prefers to call them illegal money lenders, so I will do so going forward—can at best use unfair, hidden fees and sky-high interest rates and, at worst, some of the much more aggressive practices that he talked about. The Government recognise many of the concerns that he outlined, and I recognise them from stories that I have heard.

Illegal money lenders prey on the most vulnerable people, which is one of the saddest things about this particular form of crime. As we heard in the case of Michelle, it causes the victims great harm and distress, as well as inflicting damage on the wider communities—sometimes, those communities already face adversity—in which they operate. It is a devastating crime.

This is not a novel issue affecting only some. Only recently, I too met the Centre for Social Justice, including Matthew Greenwood, who has produced an excellent report, to listen to the findings about the prevalence of illegal money lending in England. I want to be absolutely clear with the House that lending money without Financial Conduct Authority authorisation is a crime. We want to clamp down on this immoral and damaging practice, and that is why, as my hon. Friend mentioned, the Treasury funds the illegal money lending teams across the UK. Those teams include specialist local trading standards officers who operate nationally and work alongside the FCA in maintaining standards in the consumer credit market. They can draw on geographically dispersed community intelligence officers, who are crucial in identifying local illegal money lenders, who disproportionately operate in low-income communities, and clearly, by the nature of the crime—my hon. Friend mentioned that there is often a family and friends link—can be hard to detect.

Since the teams were established in 2004, they have prosecuted over 400 cases of illegal money lending and the associated criminality that accompanies it, and have caused nearly £90 million of illegal debt to be written off. That is a huge number, but there is more we can do.

Jim Shannon

I thank the Minister for the comprehensive and detailed response he is giving, which I think is what the hon. Member for Blackpool North and Cleveleys (Paul Maynard) is looking for. I mentioned the issue in Northern Ireland in my previous intervention. I know that the Minister may not have had an opportunity to speak to anyone in Northern Ireland, whether in policing and justice or in the Police Service of Northern Ireland, but if he has, can he give any indication of what discussions he has had with those in Northern Ireland, where paramilitaries seem to be the moneylenders, about how we can take those bloodsuckers—which is what they are—out of society and off the backs of the local people?

Andrew Griffith

I thank the hon. Member for his intervention. I have not had that opportunity: I am a relatively new Minister, but one who has already had impressed upon him the gravity and prevalence of this situation. I will undertake to understand the situation not just in England, but in all parts of our Union, including with the Police Service of Northern Ireland. Of course, if we are going to tackle this problem, it is right to tackle it in every corner of the Union and make sure there is no hiding place.

The Government have increased funding since the Treasury took over responsibility in 2017. That funding has gone up by 37%, and this year, the Government will provide around £7 million to the teams. I understand the desire of my hon. Friend the Member for Blackpool North and Cleveleys for more resources to be put into this area. I will take that away, meet with the teams and those responsible, and see what more we can do, whether that is simply a question of resources and priorities or whether some legislative changes could be examined. I cannot make any promises at the Dispatch Box today, but I will do that for my hon. Friend as we seek to bear down on this issue.

Those teams also provide support to victims and education to those who are most at risk, and they tell me that they have helped over 30,000 people through that process. They undertake community work, warning people like Michelle, my hon. Friend’s constituent, of the risks of loan sharks—perhaps that term is okay in this colloquial context—or illegal moneylenders. They also support people through the provision of legal and affordable credit, which is something I am very keen to increase. As my hon. Friend impressed on me, we have to work upstream, providing safe, legal and low-cost alternatives to cut off the demand for this product at source. I want consumers to build resilience through having a savings buffer, as well as getting young children into the savings habit at a very early age, as I did. That is a great life gift to give to somebody, and we are well placed to do so through the provision of things like credit unions—safe, legal and affordable credit when people need it.

Jim Shannon

The Minister is incredibly gracious in giving way, and I am not going to hold up the debate for much longer. I just want to say that I was very fortunate to have a mother who, when I was 16, gave me my first £10. I went down to the Northern bank, as it was then—it is now Danske bank—and that was the first stage in my savings. That instilled a habit in me, and probably in all my brothers and sisters, of saving and being able to pay our debts.

Andrew Griffith

I commend the hon. Gentleman and his mother—he probably would not be where he is today if not for that brilliant savings habit established at an early age. I had a National Savings and Investments blue book; I used to go along to the post office, put in my pound and get a little entry into that book.

I do not mean to digress—not every part of the United Kingdom has an important fixture, a date with destiny, shortly—but I share the passion of my hon. Friend the Member for Blackpool North and Cleveleys about getting people into the savings habit. I will be meeting soon to understand more about the opportunity presented by community development finance institutions, which provide a local, place-based alternative source of credit to people. Also, as my hon. Friend mentioned, there is the brilliant Help to Save scheme, and it would be a delight to work with him to see how we can upscale that—I am sure that he has great insights into it. The scheme is very creditable. It does a good job, and I am delighted to learn that it has helped more than 350,000 individuals. However, as we learned on the prevalence of illegal lending, there is a great deal more to do, and I am keen to understand that scheme more. I recently met the management team of National Savings and Investments at its new offices just around the corner from here. It operates that scheme on behalf of the Department for Work and Pensions, and that could provide a great opportunity.

I know that people across the United Kingdom are worried at this time about the cost of living. Some of them are seeing their disposable incomes decrease or be squeezed. We are fully alive to the fact that that may induce people to turn to illegal lenders. To help the most vulnerable, we have announced £37 billion of support for the cost of living this financial year. We have taken decisive action to support millions of households and businesses with rising energy costs this winter through the energy price guarantee and the energy bill relief scheme. I know that my hon. Friend would say that there is always more to be done, and that the Prime Minister would say that, however generous the Government wish to be, there is a limit to how much we can do. We seek to get the balance right.

In addition to the energy price guarantee, millions of the most vulnerable will receive £1,200 of support through the £400 from the energy bills support scheme, the £150 from the council tax rebate and a one-off £650 cost of living payment. I hope that that gives my hon. Friend some reassurance about how seriously we take this issue and how we are putting the taxpayers’ money where our mouth is, in terms of helping the most vulnerable and trying to keep them out of the clutches of illegal money lenders. I undertake to him to continue to work hard to introduce safe, legal and affordable alternatives, as well as to be relentless in our pursuit of those who would try to exploit this opportunity.

November 30, 2022
Paul Maynard – 2022 Speech on Illegal Money Lending

The speech made by Paul Maynard, the Conservative MP for Blackpool North and Cleveleys, in the House of Commons on 29 November 2022.

It is a pleasure to serve with you in the Chair, Madam Deputy Speaker. I will endeavour to make concision my watchword, with my eye half on the clock, but I want to give this issue an airing. Illegal money lending is a growing and pernicious problem in constituencies such as mine, but it receives little attention and is almost surrounded by stigma. I am grateful to the Centre for Social Justice for its assistance in preparing for today’s debate, particularly Matthew Greenwood, who authored an exceptional report on the issue.

On the surface, illegal money lending sounds as though it might be a rather low technical offence—lending money as a business without approval from the Financial Conduct Authority. In practice, however, it is a frequently devastating crime that sees the exploitation of the financially vulnerable and carries with it deep financial, mental and physical costs. No two cases of illegal money lending are the same, but, in England today, the Centre for Social Justice estimates that up to 1 million people could be borrowing from an illegal money lender. Those people each experience illegal lending in their own way and for their own reasons. It is dangerous to over-generalise and I will try to avoid doing so.

Anyone can be the victim of an illegal money lender—indeed, anyone can be an illegal money lender—but known victims tend to share a number of common experiences. Just over 60% have an income below £20,000 a year and almost half live in social housing. That constitutes a large proportion of my constituency, as Blackpool has eight of the 10 most-deprived neighbourhoods in the country. Illegal money lending is a danger that stalks every street in the centre of Blackpool. It is a risk to almost every home, but those who are often the victims have limited awareness of it.

Sometimes illegal money lenders are called loan sharks, but I am not fond of that phrase, because the problem is much more insidious than the almost-cartoonish quality of “loan shark” suggests. The lender is not an unknown quantity circling menacingly outside the front door; too often, they are a friend or relation popping round for tea and sitting on the sofa. When people are struggling to afford the costs of everyday items and bills, and often unable to access credit, they turn to someone they know and consider a friend, or even a family member they trust, but they are deceived.

Simply, that lender is not a friend, but a fraud who deceives their victims with an offer of financial support that does not materialise in practice. Having advanced money to their customer illegally, the lender does not adhere to the stringent credit regulations put in place more widely to protect consumers but exploits their sense of obligation to repay for financial gain.

We have an excellent illegal money lending team in this country, who I know the Minister supports and works with closely. They can evidence annual percentage rate repayments into the thousands, as people are emotionally manipulated into a deep sense of obligation to repay a so-called mate who once ostensibly helped them out.

Jim Shannon (Strangford) (DUP)

Will the hon. Gentleman give way?

Paul Maynard

I will, of course. I was waiting for the moment.

Jim Shannon

I commend the hon. Gentleman for bringing this forward. In Northern Ireland, we have real problems with illegal money lending, and paramilitaries are usually involved. People on estates are desperate, with energy prices and everything else rising to a level that is absolutely beyond their means, and they think the only way out is via illegal money lenders. In these trying times, with the rise in the cost of living, many may be tempted to go down this route for a quick loan, so does he agree that more needs to be done—I am looking forward to the Minister’s response—to make people aware of the damage that loan sharks can cause? A £100 loan could mean an £800 repayment, and that is outrageous.

Paul Maynard

I thank the hon. Member for his intervention. As ever, he speaks a lot of sense. His evidence from Northern Ireland shows why we cannot generalise about this issue—there are specific circumstances there—but I join him in looking forward to the Minister’s reply, and I am sure those points will be taken on board.

I was struck by one example in which an illegal lender took all a young girl’s money in repayments because she felt obliged to him, as he had taken the effort to go round and put drops into her pet dog’s eyes because she could not manage it herself. What an awful situation to be in. Coercion and intimidation are all too often encouragements to repay, and that should not be the case.

What about when a victim cannot pay? Illegal lenders have been known to add arbitrary late fees, causing the debt to spiral out of control, and to threaten their victims and even demand sexual favours. I know the Minister is more than familiar with the practices of illegal lenders and their economic abuse, but for the benefit of a wider audience, let me tell the House about Michelle. Michelle met her lender on the school playground. She needed money and her friend—her lender—offered to meet that need. She thought she was borrowing from a friend. When she struggled to repay, her lender made it her business to know when money went into her account so they could make her repay. The more she repaid, the more she needed to borrow, but that was not all. Michelle received threats, and she had her windows smashed. As she tried to sleep at night, she was shouted at, making her own home an unsafe place to stay. It got so bad that Michelle and her two children were put into temporary housing. Why? Because she borrowed £50.

I raise these issues not only because they are a blight on our communities, but because we are facing an increase in the cost of living. Those on the sharpest edges will be pushed further away from financial inclusion and the legal credit market into the hands of the most unscrupulous. I very much welcome the financial support that the Government have already given to support people’s incomes, but we must do all we can to prevent illegal money lenders from taking hold by supporting the illegal money lending team to do its job and provide long-term, scalable market solutions to financial exclusion.

The illegal money lending team is a specialised body equipped to identify and prosecute illegal money lenders, but its current scale is insufficient to meet rising demand. Money is scarce, but support to improve the team and its data capabilities would go a long way to improve understanding of this issue and better tackle it. I know the Minister will be aware of the consumer credit levy that raises funds for the team, but perhaps funds could be found from elsewhere in the Department, even in these straitened times. Another part of this support must surely be improving the quality of debt advice and its ability to identify clients who are borrowing from illegal lenders.

It is worth touching briefly on the Help to Save scheme, which is one of my pet favourite projects of the entire Government. It is a fantastic mechanism by which people on universal credit and some legacy benefits can save for a rainy day. To date, His Majesty’s Treasury reports that the scheme supports almost 360,000 people, but this is well below 10% of even those on universal credit. Improving access to and the uptake of this solution to financial resilience is a priority.

May I make a wider point? I have participated in numerous online sessions, meetings there, speeches—you name it—and often all I hear is how we remedy the consequences of poor financial resilience, not how we avoid it in the first place. Help to Save should be front and centre in all our debates about this, not waiting for things to go wrong when we could solve them further upstream. I urge the Minister, as he is new to the job, to make Help to Save a personal passion, because it can make so much of a difference to so many lives.

Finally, let me touch on credit unions and the consumer credit market more widely. Accessing credit should be something that everyone can do. It should not be stigmatised as wrong for certain types of people, as sadly I often hear in this place. We need to do much better through innovation at ensuring that those who most need credit can access credit that is affordable, and that successful repayments can open the door to future, cheaper forms of credit. That journey—the focus of the much lamented and unadvanced Woolard review—is crucial if consumers are to steer clear of illegal lenders.

Part of creating a healthy credit ecosystem is emphasising the role of credit unions, which are strong, community-focused organisations that offer low-cost, alternative credit. However, they are not currently up to the task of plugging the entire credit gap because of over-prescriptive legislation that is both old and in need of modernisation, as well as designed in such a way that it limits their growth, scalability, size and membership.

I know that this is an area of work that the Minister is taking an interest in, and I welcome the provisions in the Financial Services and Markets Bill, which he is shepherding through the House. The Bill will help to expand credit unions’ coverage across the credit spectrum and improve access to services, but if we are to truly scale these lending bodies, we need to reimagine what is called the common bond. By tweaking existing legislation to allow credit unions to have a maximum membership rather than a maximum potential membership, we might allow them to cover a wider geographic area, pool their talent into bigger, more professional bodies and compete with one another to offer the best services. That would create scale, and it seems to me to be a sensible, market-oriented Conservative policy. If only we had so many more of them at the moment. Come along—it cannot be that difficult.

More widely, it is important that the consumer credit market is fit and able to serve customers across the credit spectrum. I urge the Minister to undertake work to see whether the Bill can be adjusted to accommodate those views. Reimagining the common bond, promoting strategic mergers and supporting the illegal money lending teams to clamp down on illegal lenders are small tweaks. I know that those are issues that he takes seriously. I hope—I ask this in every Adjournment debate—he will meet with me and the Centre for Social Justice to discuss how we can take this agenda forward. I thank him for his time today and for listening to me. I thank hon. Members present and hope that, as I have been concise, the staff of the House can make it in time for kick-off.

November 30, 2022
Penny Mordaunt – 2022 Statement on John Nicolson

The statement made by Penny Mordaunt, the Leader of the House of Commons, in the House on 29 November 2022.

I thank my right hon. Friend the Member for Haltemprice and Howden (Mr Davis) for moving the motion. I deeply regret it, but I understand why he has had to do so.

I heard what the hon. Member for Ochil and South Perthshire (John Nicolson) said today, and I am glad to see him in the Chamber. I do not think his argument that he was not aware of the right course of action or of the appropriate response to journalistic inquiries, which is to state that any such correspondence is confidential, is a reason for not passing the motion. I sincerely hoped he would make an apology. I think there is consensus across the House about the right course of action. Had he taken that opportunity, the matter could potentially have been brought to an end today.

The procedure for raising breaches of privilege is a long-standing and important convention that ensures the privileges and rights of this House are protected.

John Nicolson

I think there is a misunderstanding. I quite clearly said that I was apologising to Mr Speaker. I was unaware of this convention, and I wished to cause him no hurt. I apologised, and I am repeating that now.

Penny Mordaunt

I am afraid that the way in which the hon. Gentleman phrased it, and the way in which he has not appreciated—

Pete Wishart

Will the Leader of the House give way?

Penny Mordaunt

I will continue.

The hon. Member for Ochil and South Perthshire has not appreciated the damage that has been done in these circumstances. The Speaker’s role in this is integral, including in avoiding—

Pete Wishart

Will the Leader of the House give way?

Penny Mordaunt

No, I will not give way. I am going to have my say.

The Speaker’s role in this is integral, including in avoiding frivolous complaints. It is important that his role is respected.

Pete Wishart

Will the Leader of the House give way?

Penny Mordaunt

No.

Correspondence on such matters must remain confidential and, in this place, we all suffer if that does not happen. As Mr Speaker noted, it is not for him to determine whether a contempt has been committed. I therefore support the motion and the need for the Committee of Privileges to thoroughly and correctly investigate any potential breach. I think we all regret where we are today. I am sorry the hon. Member for Ochil and South Perthshire did not make a full and frank apology, and I support the motion.

November 30, 2022
Thangam Debbonaire – 2022 Statement on John Nicolson

The statement made by Thangam Debbonaire, the Labour MP for Bristol West, in the House of Commons on 29 November 2022.

The upholding of conventions is essential to the smooth running of this House and to the foundation of political order in this country. “Erskine May” is clear—there is a search function, and I checked this morning—about the procedure for raising a complaint about a breach of privilege. The rules are there to find for a Member who seeks to raise such a complaint. “Erskine May” says that Members need the permission of the Speaker and must request it in writing. There is a long-standing convention that, when Members write to the Speaker, they do so on the basis that the correspondence in both directions will remain confidential. This is especially the case on matters of privilege. Paragraph 15.32, footnote 6, is explicit:

“It is not the practice for such letters to be made public… Members should not challenge the Speaker’s decision in the House.”

As Members of this House we all hold parliamentary privilege, but that comes with responsibility. We have a duty not to misuse it, and we have a duty to respect the Chair’s rulings. Our conduct must live up to the high expectations that the public should have a right to expect of us.

I therefore believe the conduct of the hon. Member for Ochil and South Perthshire (John Nicolson) warrants an investigation by the Committee of Privileges, as requested by the right hon. Member for Haltemprice and Howden (Mr Davis), so I will support the motion today, and I urge others to do so.

November 30, 2022