Credit Card Invoices

Debate between Baroness Vere of Norbiton and Lord Holmes of Richmond

Tuesday 26th March 2024 Lords Chamber

[Baroness Vere of Norbiton (Con)]

The Government are considering responses to a recent consultation on draft legislation for buy now, pay later. The Government believe that any regulation of this area must be proportionate, because buy now, pay later can be very useful to a large number of people. There are existing protections in the Consumer Rights Act, and the FCA has powers over the terms and conditions of the buy now, pay later contracts.

[Lord Holmes of Richmond (Con)]

My Lords, I declare my financial services interests as set out in the register. Does my noble friend agree that, whether paying with a credit card or a debit card, one should be able to do so in an accessible manner? That will happen only if all financial services products and card payment machines are designed with inclusion in mind right from the outset.

[Baroness Vere of Norbiton (Con)]

I am grateful to my noble friend for raising this issue again. As I mentioned last time, there is now a consumer duty, which is a very important underpinning for financial services providers, which have a duty of care for their customers. That came into effect on 31 July 2023, and the Government and the FCA will monitor the effectiveness of the consumer duty as it beds in.

Electronic Payment Devices

Debate between Baroness Vere of Norbiton and Lord Holmes of Richmond

Tuesday 19th March 2024 Lords Chamber

[Baroness Vere of Norbiton (Con)]

I recognise the issues raised by the noble Lord, and the financial services industry also recognises these challenges. As I have already said, UK Finance publishes a list of vendors, recognising that it is not just financial services companies that use these machines; it may be the merchants themselves. This builds on work by UK Finance and the RNIB in publishing accessibility guidance, which only happened in 2022. Today, the third in a series of three forums is happening involving UK financial services groups and charities, and each of the three forums is focusing on specific interventions—whether it be technology or training to help improve the accessibility of all sorts of banking services.

[Lord Holmes of Richmond (Con)]

My Lords, I declare my financial services interest as set out in the register, and I congratulate my friend, the noble Lord, Lord Blunkett, on his timely Question. There are two issues involved here: access to, and the accessibility of, financial services and products. Both have serious impacts, if not got right, not just for the blind and visually impaired but for all people in our communities. For example, bank notes have never been more accessible, and yet have never been more difficult to access. What further conversations will the Government have with UK Finance and with all financial services organisations to ensure that there is both access to and accessibility of all financial services and products? Without this work, the Government cannot really stand up any claims to financial inclusion.

[Baroness Vere of Norbiton (Con)]

My noble friend raises a wide suite of issues. Underpinning all the work the financial services industry is doing is the Financial Conduct Authority, which is responsible for regulating the sector. Principle 6 of its principles for business says that the sector must take particular care in the treatment of vulnerable customers. The FCA is reviewing the needs of vulnerable customers and may update its guidance shortly.

--- Later in debate ---

[Baroness Vere of Norbiton (Con)]

Now that is a first at the Dispatch Box—I have been invited on to buses and trains but never out to dinner. I do not know what to say to that, but I will try to find a restaurant that has an appropriate touch screen and I would be happy to continue the conversation.

[Lord Holmes of Richmond (Con)]

My Lords, does my noble friend agree that, if the concept of “inclusive by design” was thoroughly understood, we would never have had these inaccessible touch-screen devices? Will she go back to the department and ensure that HM Treasury works to ensure that all financial services and products are inclusive designed at every stage?

[Baroness Vere of Norbiton (Con)]

I agree with my noble friend. That is something that the FCA should take from this, and it needs to feed back into the work that we know that EY, in conjunction with UK Finance, is doing on accessibility at the moment. If they are not talking about “inclusive by design”, then I think they are going wrong.

Taxis and Private Hire Vehicles (Safeguarding and Road Safety) Bill

Debate between Baroness Vere of Norbiton and Lord Holmes of Richmond

2nd reading
Friday 4th March 2022 Lords Chamber

[The Parliamentary Under-Secretary of State, Department for Transport (Baroness Vere of Norbiton) (Con)]

My Lords, I too thank my noble friend Lord Borwick for bringing forward this Bill, which the Government wholeheartedly support. I am also so grateful for the support expressed for the Bill by my noble friend Lord Holmes, the noble Baroness, Lady Brinton, and the noble Lord, Lord Bassam. I think we would all pay tribute to my honourable friend Peter Gibson, the Member for Darlington, for successfully steering the Bill through from the other place to your Lordships’ House.

My noble friend Lord Borwick, with his incredible experience in the area of taxis—I was not aware of quite how much he had done for accessibility and am grateful to my noble friend Lord Holmes for reminding us of that—has very ably set out the purpose of this fairly narrow Bill. As I said, the Government support it and are very keen to see its provisions in place as soon as possible. But I am standing here as the Government and, although we support the Bill, I would like to address a few things in the wider taxi and PHV space.

My noble friend Lord Holmes talked about taxis and PHVs as public transport and, to an extent, the Government agree. We see them as an integral part of the wider transport network. Any good local authority will think incredibly carefully about how these vital services are able to reach people and then drop them off at their destinations, particularly those who are disabled and others who may be vulnerable. Taxis and PHVs are licensed and enforced by over 270 different authorities. Many agree that that is too many and may lead to inconsistencies and a greater risk of failure.

In the levelling-up White Paper which we published on 2 February, we announced that we would explore transferring the responsibility for licensing taxis and PHVs to upper-tier and combined authorities in England. One benefit of reducing the number of licensing authorities from around 276 to just over 80 could be increased consistency in licensing standards. A second would be that licensing would be in the hands of the same authorities that draft local transport plans; I think that makes perfect sense and look forward to progressing those proposals. In the context of such large numbers of licensing authorities, the Government are very focused on consistency in licensing and enforcement and raising standards, particularly with regard to safeguarding across the sector.

In 2017, we commissioned the task and finish group on taxi and private hire vehicle licensing to consider the adequacy and efficiency of the legislation and guidance and to make recommendations to address the priority issues. The Government responded to that report in 2019. We committed to legislate when parliamentary time permits to set national minimum standards in licensing, introduce national enforcement powers and establish a national licensing database to include all driver, vehicle and operator licensing information. That remains our intention.

In the meantime, however, the Government have published the Statutory Taxi and Private Hire Vehicle Standards, which clearly set out what licensing authorities should do to safeguard children and adults. I have written to licensing authorities many times since the publication of the statutory standards to emphasise their importance and ensure that authorities are moving quickly to improve their safeguarding policies. One aspect of the statutory standards strongly recommends the use of information-sharing tools in licensing, specifically the national register of refusals and revocations, also known as NR3. Uptake and use of NR3 has been good and has been growing—I get literally monthly updates, so I can see what is happening—but it is not yet universal. That is why this Bill will help us to make sure that the usage of that or an equivalent database is mandatory. Essentially, the Bill mandates the existing direction of travel to improve safeguarding.

The next step for the department is to update the best practice guidance, and there will be a consultation on that shortly. It will cover licensing, enforcement and accessibility, including a strong recommendation that every driver be required to complete disability awareness training. We recognise that taxis and PHVs are a vital mode of transport for many people with disabilities, and I was appalled to hear about the experience of the noble Baroness, Lady Brinton, at her local station. She asked a specific question about the interrelationship between refusing to take a disabled passenger and this Bill. I will write to her on that and other matters that have been raised, because I am looking at the time and I know that I am well over.

Finally, on my noble friend Lord Holmes’ point about taxi access on certain roads, it is true that I am the Minister for TfL and, indeed, the Minister for every highway authority in the country. Local highway authorities are responsible for determining how road space is allocated, and of course they must be responsive to local communities. I encourage anyone who has an issue with what a local highway authority is doing to get in touch with them.

To close, I am grateful to my noble friend Lord Borwick. I look forward to the passage of this Bill, and I hope that it can pass into legislation as soon as possible.

[Lord Holmes of Richmond (Con)]

My Lords, I know we are short of time, but I have a brief question for the Minister before she sits down. Regarding authorities for streets such as Tottenham Court Road and other areas that refuse taxis, thus making them inaccessible for disabled people, does she agree that that is a prima facie breach of equalities legislation and their public sector equality duty? I am happy if she wants to write on that subject.

[Baroness Vere of Norbiton (Con)]

I am very grateful to my noble friend for giving me the opportunity to write to him on that.

E-scooters

Debate between Baroness Vere of Norbiton and Lord Holmes of Richmond

Tuesday 8th February 2022 Lords Chamber

[Baroness Vere of Norbiton (Con)]

No. Enforcement is going on: offenders are being fined and penalties are being given out. The reality is that the Home Office does not collect the data by the specific vehicle type that is an e-scooter.

[Lord Holmes of Richmond (Con)]

My Lords, first, well over a million private scooters are estimated to have been purchased. Will my noble friend comment on the fiction that they are being ridden only on private land? Secondly, does she think that at point of sale, when purchases are being made, there is clarity and unambiguity that e-scooters are illegal except in trial areas or on private land rather than the reality of the chaos and catastrophe they are causing up and down the country?

[Baroness Vere of Norbiton (Con)]

The department is acutely aware of the issue of the number of private e-scooters that are potentially being ridden on public land at this moment. That is why working as quickly as possible to develop a legislative framework, which will be set out in primary legislation, in order for them to be ridden legally. However, we are also reassured that the Consumer Protection from Unfair Trading Regulations 2008 stipulate that traders must give sufficient information to consumers; they must not mislead. Ministers from my department have written to retailers many times and the last written reminder of their obligations was in December 2021.

National Bus Strategy: England

Debate between Baroness Vere of Norbiton and Lord Holmes of Richmond

Thursday 18th March 2021 Lords Chamber

[Baroness Vere of Norbiton (Con)]

Other noble Lords are saying very lengthy; I would not say so.

I might pick out something of great importance that the noble Lord said about bus priority, because it is a big issue. The Government support local authorities putting in careful bus priority measures because, as I said, it would break the vicious cycle. Perhaps the noble Lord did not see it, but the Government are going to update the statutory traffic management guidance. It will make sure that local authorities promote bus reliability as part of the highways authority network management duty. That will be a really helpful way to put a rod in the back of some of the recalcitrant LTAs and help them to put things into place. The noble Lord also noted that we are going to commence Part 6 of the Traffic Management Act, which, again, I think will be helpful.

[Lord Holmes of Richmond (Con)]

My Lords, I welcome the bus strategy for cleaner, greener, better buses and bus services. The regulations on the information on accessibility are not due to be done until summer 2022. Would my noble friend consider a more ambitious timetable? Similarly, when it comes to the physical nature of vehicles at the end of 2023, might the Government consider a more ambitious timetable there too? Finally, in terms of accessibility for disabled people and older people, what innovations are being deployed? There is much that can be done. Technology can play a brilliant part, both in terms of the vehicles themselves and in delivering inclusive buses and bus services for all.

[Baroness Vere of Norbiton (Con)]

I thank my noble friend for his warm welcome of the strategy. I note that he has been a doughty campaigner on the issue of audio-visual announcements on buses. I feel very sorry that we have not been able to bring it in sooner. I will take the question back to the department to see whether we can do the regulations earlier than summer 2022. I do not want to overpromise and underdeliver, but I can definitely ask. I will also do the same on the accessible vehicle regulations.

My noble friend mentioned innovation when it comes to disabled people and, indeed, everybody, travelling. It is important to remember is that it is the bus operators who are the innovators in the industry. They are the ones who know their customers and they often go far beyond the regulations that government puts in place. They do it because it is the right thing to do; it is what their passengers want. That is why I am delighted that operators will still be at the heart of what we are doing with buses. I am sure that they will innovate in the way that I expect.

UK Logistics Industry

Debate between Baroness Vere of Norbiton and Lord Holmes of Richmond

Monday 1st February 2021 Lords Chamber

[Baroness Vere of Norbiton (Con)]

Freight flows are returning to normal, having suffered a significant reduction over the Christmas period when Covid testing was introduced. I can assure the noble Lord that on the outbound we are basically at around 85% of flows from last year, while on the inbound we are at 95% of flows from last year. There has been some change with hauliers seeking other routes because they may be more convenient, but nothing that we would not have expected.

[Lord Holmes of Richmond (Con)]

My Lords, does the Minister agree that we have the solution and we have the technology—distributed ledger, AI, internet of things, all elements of the fourth industrial revolution, many of which Great Britain is at the leading edge of? I was involved with the reducing friction in international trade project, whose proof of concept was cited in the new border strategy—on page 40, just for interest. Will my noble friend tell the House that the Government are doing everything to ensure that we are looking at all elements of technology in order to have the best border in the world—if you will, the “white cliffs of technology”?

[Baroness Vere of Norbiton (Con)]

I reassure my noble friend that of course we look at all possible technological interventions. Three end-to-end systems have been put in place to assist industry with all the new requirements. They are working well and are helping traders. We look at all possible technologies in order to develop friction-free trade as much as possible.