(5 years, 4 months ago)
Commons ChamberBorrowers who believe that they have been mis-sold a shared appreciation mortgage are able to take their complaint to the Financial Ombudsman Service. The Government are unable to comment on group action cases relating to this issue as we have no role in deciding whether cases may be heard in court. I note that the annual review of the Financial Ombudsman Service in 2003-04 said that in most cases it had not upheld complaints of shared appreciation mortgage mis-selling due to the information being satisfactory. That is the situation at the moment.
(5 years, 8 months ago)
Westminster HallWestminster Hall is an alternative Chamber for MPs to hold debates, named after the adjoining Westminster Hall.
Each debate is chaired by an MP from the Panel of Chairs, rather than the Speaker or Deputy Speaker. A Government Minister will give the final speech, and no votes may be called on the debate topic.
This information is provided by Parallel Parliament and does not comprise part of the offical record
The hon. Lady’s contribution and those of others have illustrated the problems that many people face, not just those who are disabled. Some 60% of disabled people have no car in their household, but many other people also do not have one, particularly in London. People who, like the hon. Lady, visit London as part of their work will probably not have access to a car when pushing their baby in a buggy. Step-free access is therefore about not just disabled people, but parents, travellers and people who have general mobility problems.
My hon. Friend is making a powerful argument, and this is an important debate. Does he agree that there is also a problem with different station operators? One of my constituents, who is partially sighted, got on a train at York station, which is run by London North Eastern Railway, and went on that train to Manchester Victoria, which is operated by Northern. The two station operators did not talk to one another, and my constituent was ultimately left on the train—it was a through-station—and carried on past her stop. That is a real problem, and station operators really need to start talking to one another.
I am grateful for that intervention, because I had a constituent who reported the same problem; he had problems with his vision and had great difficulty in accessing the train service. I understand that point, and agree that train operator companies should talk to one another—whether it is c2c, Transport for London, GTR, Southern or any of the ones that my hon. Friend mentions. I hope that the Minister hears that plea. It should be not only a requirement for train operators but a requirement under disability regulation. I certainly agree with that point.
I have two mainline stations in my constituency: Hendon and Mill Hill Broadway, both of which are on the Thameslink line, which connects Bedford with Brighton and includes stops at St Pancras International, London Bridge, Blackfriars, and Elephant and Castle. Both stations serve the two London airports that I mentioned: Luton and Gatwick. Neither station has adequate step-free access, but I believe that it is true to say that the problem at Mill Hill Broadway is particularly acute.
Mill Hill Broadway is an important interchange for a large number of passengers connecting with buses, the M1 and other modes of transport. The quality of access and subsequent movement around the station is not commensurate with a station catering for about 2.7 million passengers per annum—a figure that will increase significantly in future years as a result of the thousands of new homes being built in the area. We all know that London needs new homes, and Hendon is certainly playing its part, but infrastructure and other public services need to keep up with that redevelopment.
There is no step-free access from the lower concourse where cars and buses arrive at Mill Hill Broadway, so 39 steps must be climbed to access the station. Furthermore, the subway that connects the two platforms is narrow, which raises concerns about congestion and safety at peak times. There is no question that the lack of a lift prevents some of my constituents from using the station. That is a key issue for the disabled, parents with small children, those with suitcases and the area’s growing older population. Such passengers are advised to use Elstree and Borehamwood station or West Hampstead station, which, following past upgrades, now have step-free access throughout. I believe something is fundamentally wrong when a passenger has to travel to a station that is not their most local to access our railway network.
I first raised the lack of step-free access at Mill Hill Broadway station five years ago in a question to the then right hon. Member for South Cambridgeshire, now Lord Lansley. In January 2015, I had the pleasure of inviting the then right hon. Member for Richmond and a former Minister for the Disabled, now Lord Hague, to visit Mill Hill Broadway and understand the concerns that many people had about the lack of access to the station. While we were there, we witnessed a mother struggling to get her buggy up and down the steps from the platform to the ticket office—a prime example of why step-free access will benefit local residents and visitors to Mill Hill.
In 2015, I facilitated a series of meetings of representatives of Barnet Council, Network Rail, Govia Thameslink and Transport for London, and John Gillett of the Mill Hill neighbourhood forum. That resulted in a £60,000 feasibility study to look into the options for step-free access at Mill Hill Broadway. In 2017, I met the then Rail Minister, my hon. Friend the Member for Blackpool North and Cleveleys (Paul Maynard), and I raised the matter again in 2018. I believe that that demonstrates the seriousness with which local people, local stakeholders and I view the matter.
Very sadly, the lack of step-free access resulted in the untimely and tragic death of one of my constituents, Mrs Priscilla Tropp. Mrs Tropp tripped on the steps at the end of last year; her widower, Michael, and her daughters, Sara and Deborah, are in the Gallery. I am sure that I speak on behalf of everyone in the Chamber when I express my condolences for their loss. As a Member of Parliament, losing a constituent is one of the hardest things to have to go through as an elected representative.
Priscilla was travelling to London up to five days a week for leukaemia treatment. She did not want to be a burden on the NHS, so she decided to make her own way independently, and not to use a taxi or other facilities provided by the NHS. However, she was not well. She was also recovering from a fall that she had sustained at the station earlier in the year—a fall that it appears was not recorded by station staff. She and her husband took all reasonable precautions to avoid a further accident, such as waiting for other passengers to go ahead of them so that they could use the handrail beside the steps and not be an obstacle to other people, but that was not enough. Priscilla tripped and fell, and, due to the general access to and from the platforms, passengers alighting from subsequent trains in what was by then the rush hour were forced to step over and around her.
The defibrillator could not be located, but even if it had been it is likely that space constraints would have meant that use of the equipment would have been restricted. Sadly, as I said, Priscilla died; she did not survive the fall. That tragedy would have been wholly avoided had there been a lift at Mill Hill Broadway. As I have said previously, falls are the most common cause of injury-related deaths in people over the age of 75. Priscilla was 76.
Such statistics are not acceptable, nor is the advice to go to another station several miles away. Our hospitals encourage—even require—patients to make their own way to hospital, but only 44% of London stations offer step-free access, and public transport is often the only means of travel for those who need to visit hospitals. As the NHS has more centres of excellence, people requiring treatment need to use public transport. It must be adequate for those who are less able.
The Government are currently considering bids for the next round of funding under the Access for All programme. As we have heard, the Minister will be looking at many valid representations and applications, but I hope that I have demonstrated the urgent need at Mill Hill Broadway. It is a shared ambition not only of mine and of my constituents, but of Govia Thameslink, Network Rail, TfL and the London Borough of Barnet for long-overdue step-free access, or, in other words, lifts.
I say to the Minister, please, not only to hear my representations and those of other Members, but to make it possible for many of my constituents to access the Thameslink train line for a variety of reasons, including access to public services, hospitals, employment and education. We need a lift, and we need one now. I ask the Minister to consider that.
(5 years, 8 months ago)
Commons ChamberThe Government have been very responsive to representations over the last two Budgets. There are 637,000 fewer children in workless households than in 2010. We made a number of interventions in the last Budget to increase the availability of interest-free advance loans to those who need them. We are listening, and continue to listen, to the concerns of the sector.
The best way to sustainably drive economic growth is to raise productivity, and that is a priority for this Government. We are increasing public investment in economic infrastructure to its highest sustained level in my lifetime. In the autumn Budget, we set out further investments to support business, technical skills and new technologies.
Last month, the Chief Secretary to the Treasury saw for herself the investment that York-based Pavers Shoes is making to change its productivity, yet local businesses are concerned about the effect of traffic congestion on local productivity. With that in mind, will my hon. Friend the Exchequer Secretary assure me that the Treasury is fully behind the Department for Transport’s proposals to fund the dualling of the York northern ring road?
My right hon. Friend the Chief Secretary says that she saw some very good leopard-print shoes at Pavers Shoes—and she knows a potential customer for them. Pavers is a highly successful business; I have seen for myself in India the success that it is having in selling shoes. We are committed to increasing transport investment in the north of England; the Secretary of State for Transport recently announced the dualling of the A1237 York outer ring road as a scheme in development for the major road network funding.
(5 years, 9 months ago)
Commons ChamberThat is certainly no oxymoron, Mr Speaker. My hon. Friend is indeed a distinguished estate agent, and I thank him for his question. He has my absolute reassurance that we will not bear down on businesses with additional bureaucracy. We are there to help and support them and at the same time to ensure they are more efficient and effective in their tax affairs.
I am reassured by the Minister’s comments about businesses that are unable to access suitable broadband provision. However, what conversations has he had with the Department for Digital, Culture, Media and Sport about access to better broadband, so that the 5,000 businesses that will not be able to access MTD will be able to do so in the future?
All Departments across Whitehall have regular contact with DCMS about broadband roll-out. Broadband is central to much of what the Treasury does, but it is of particular importance to MTD. We will continue to have those conversations.
(6 years, 8 months ago)
Commons ChamberThe Government have been investing more in railways across the country than any Government since Victorian times, including in the north of England. Across the country, the Government have invested £0.25 trillion in infrastructure projects since 2010, 4,500 of which have already been completed.
As my hon. Friend the Exchequer Secretary to the Treasury has just told the House, there has been more than £0.25 trillion of public and private investment in infrastructure since 2010. We continued to invest in infrastructure in the autumn Budget 2017 by expanding the national productivity investment fund, so that it will now provide £31 billion of additional investment, including more than doubling the housing infrastructure fund to £5 billion. The Institute for Fiscal Studies said after the Budget that our plans will see public investment increase to levels not sustained in 40 years.
Through the major road network, vehicle excise duty will be made available for investment in strategic roads outside the remit of Highways England. I understand that economic growth must be a priority, but how much will the pressure of future housing developments be considered in any of these future schemes? My constituency in York, for example, is surrounded by the northern ring road and we have a lot of housing coming forward.
My hon. Friend is right that the major road network will support the creation of new housing developments by improving access to future development sites and boosting suitable land capacity, so investment decisions for this funding will include consideration of how proposed schemes will unlock land for housing developments, helping to improve how transport is planned for new developments at the outset. The ring road to which he refers is, of course, part of the proposed major road network.
(6 years, 10 months ago)
Public Bill CommitteesQuotas have concerned us for some time, particularly the question of how they will happen post-Brexit. I understand what the Minister is saying, and I have read the clause and understood what it says about the regulations and how quotas will be put in place by this Government, but I am still not entirely clear how those quotas will be decided in advance and what circumstances will be used to decide an appropriate level of quota. I am not sure if the plan is for that to follow in regulations. I have tried to work it out from the legislation before us; it may be in the Trade Bill rather than this Bill.
Quotas are important, particularly on agricultural products. If our farmers can only produce a certain percentage of the beef consumed, we must allow a certain amount of beef into this country, but not so much that our farmers will be squeezed. We must protect our farms here. It is about ensuring balance.
The UK and the EU Commission agreed in September 2017 how they would divide the quotas currently in place. They agreed that the tariff rate quotas lodged with the WTO would be divided on the basis of consumption. For example, there is a tariff rate quota for sugar cane. Sugar cane is consumed mainly by the UK—the EU generally uses not sugar cane but sugar beet, which it grows itself—so it makes sense for a more significant proportion of the quota to go to the UK than to the EU. Division by consumption seems like a relatively sensible way to do it.
Actually, a lot of sugar beet is produced in the UK, as well as in Europe.
That is absolutely the case, but generally the sugar cane that comes into the UK and the EU is consumed in the UK; very little of it is consumed in the EU. This is specifically about the consumption of sugar cane, rather than about the production of sugar beet. I understood that probably most of the sugar beet produced in the UK is not for human consumption, but I could be wrong in that regard. I am happy to chat to the hon. Gentleman afterwards, if he is keen.
I will have to be careful what I say here but, without promoting British Sugar too much, if someone sees Silver Spoon in the supermarket, that is British sugar produced by British Sugar.
I thank the hon. Gentleman for that clarification. I appreciate that his knowledge of sugar is better than mine.
On quotas in particular, the situation is that the UK and the EU Commission have now decided how to divide the quotas and the amount that is lodged as a schedule with the WTO. However, in September 2017, Uruguay, Canada, Thailand, Argentina, Brazil, New Zealand and the US wrote a letter to say that they contested the way in which the UK and the Commission had decided to divide up the quotas, and that they had a concern about the decision taken. I can understand that concern.
For example, let us say that beef is coming into the UK and the EU. If we have a collapse in the beef market in one of those places, the beef cannot simply be redistributed to other countries. That is particularly so in the case of the UK. If the UK ends up with a tenth of the EU’s quota for beef, and the quota allows for 100 tonnes of beef, 10 tonnes of that are a quota allocated to the UK. If something strange happens in the UK, everyone decides that they do not want beef burgers or steaks any more and the market collapses, the country exporting the beef to the UK cannot just send it to another country, because the UK schedule will be the UK schedule alone.
I can therefore understand why countries are unhappy with how that division is working and why they have come back to say that they do not think it is a technical rectification. That is a serious thing in the WTO, because if the change of quota is not a technical rectification but a modification of the schedule, it needs to go through more of a process in order to be agreed.
My big concern is that none of that seems to be in this legislation. None of the way in which the UK Government will be dealing with the WTO on quotas or defending itself against challenges brought to the WTO seems to be in the Bill. While I am on the subject, to throw the cat among the pigeons, I have not seen anything in the European Union (Withdrawal) Bill, in this Bill or in the Trade Bill that gives the UK Government the power to lodge schedules with the WTO. I hope the UK Government have not missed that and it is written somewhere in one of the pieces of legislation, because it would be rather unfortunate if the UK Government were, post-Brexit, unable to lodge schedules with the WTO or to have its most favoured nation tariffs lodged with the WTO.
I hope that that power is in one of the pieces of legislation—I am happy for the Minister to come back to me and mention it afterwards—because clearly we want to be in a situation in which, post-Brexit, the UK continues to be a functioning country and is able to have tariffs, not just preferential ones but most favoured nation ones as well. Generally, I have concerns about the provisions on quotas because I am not sure that they adequately fulfil all the things that the UK will need to do on quotas.
I have thrown an awful lot of things at the Minister—not literally, I hasten to add for anyone reading this later—and I am happy for some of them to be dealt with at a future sitting. My concern, however, is that because we are leaving the EU and doing so in a short period of time, so legislation has been hastily drafted, some things might be missing. If that is indeed missing, that would be amusing because it is pretty fundamental going forward. I will appreciate the Minister’s providing some clarification, if he can, on the clause.
(6 years, 10 months ago)
Public Bill CommitteesThank you, Ms Buck. The question that Mr Morris asked me to ask on his behalf is, if anything, even more pertinent after something that Mr Bain said. In the general area of customs—we are talking not only about duties, charges and processes strictly for customs, but about issues to do with migration, security, veterinary checks and haulage—I wondered, on behalf of Mr Morris, whether members of the panel would expand on what changes might be needed there. Are those being taken sufficiently in the round with matters strictly dealt with in the Bill?
William Bain: It is particularly important for food retailers because we deal with perishable items. I will use the anecdote, which is true, that a retailer can put in an order for orange juice. It comes via Zeebrugge and Dover and is on the shelves the following day. Our companies deal with just-in-time supply contracts and sourcing mechanisms. If you put friction into that process, you can introduce a day’s delay. For example, at Tilbury, I understand that if your crate has not arrived by 3 o’clock, it is processed the next day. You have to refrigerate it overnight. Those things add extra costs. They increase the possibility of food waste. They increase the possibility of having gaps on the shelves and products not being there when consumers want to buy them.
Meat products are a particularly huge issue. If we leave the European Union sanitary and phytosanitary rules system, you have to check meat items as they leave the country they are being exported from—let us say from France—and you also have to check them when they arrive in the UK. That will add huge friction into the process, and that is something that the food retail sector in particular has been very critical of. It also affects non-foods.
There are many furniture stores among our membership that import items—flat-packs—from the rest of the EU. If there are long delays at customs, that affects the ability of those goods to get to consumers as well. So non-food and food are concerned about the possibilities of more friction in the system.
Anastassia Beliakova: There are two considerations here: what businesses need to prepare for and what happens at the border. A lot has been said about CDS, which is a critical part of the picture, but that is just one element. We have been trying to draw attention to the fact that origin declaration, which is separate from customs declaration, also needs to be clarified.
When it comes to getting goods through the border—the just-in-time, the ferry coming in and so on—you need several systems working together. You need the customs declaration in place and already authorised. That needs to happen before the truck arrives and rolls off. There needs already to be an interlink with the relevant agencies—whether for food, plant and so on—who have already approved all this. This needs various means of declaration, and several IT systems need to work together and be integrated with the relevant port systems and make sure that there are no further delays. So we think there are some other elements that have not been covered sufficiently in the debate.
Peter MacSwiney: We have some pretty slick systems in place now for traditional freight. We do not really have any port systems in the ro-ro ports. We do not have any space and any procedures that lend themselves to goods being stopped and looked at this side of the channel. I think absolutely it has to work on advance information on a permission to load basis on the other side. Once you have that, the goods would have to roll freely through the ro-ro ports specifically on the basis that they are eligible to be entered into the UK, and the fiscal processes should take place after that. After they have gone through the border, they are accounted for separately.
Gordon Tutt: In terms of the systems we have currently for undertaking customs procedures, we probably have some of the most advanced systems in the world for doing these transactions. We have a lot of advantages over other countries in that we have got integration with our community systems providers in the ports, who can provide advance information. Customs and the Border Force to some extent use that information now. We have advance notification through the various systems internationally.
Where we seem to fail in this country is not with the revenue and the customs systems; it is actually with the other Government Departments. It might surprise you that within the airline arrivals, some of the notifications are still done on paper. That is not because trade and the port and community systems do not have the systems to provide this information—it is purely that those Departments do not have the ability to accept that information electronically. If we are to avoid delaying goods unnecessarily, where we have known, trusted traders bringing goods which present no risk fiscally or from a security point of view, that information should be passed freely to these other Government Departments, thereby avoiding any unnecessary delays.
Peter MacSwiney: The processes at Heathrow and Gatwick—both are run by the same community system provider—are different, and within the specific airports the transit sheds operate different procedures as well, so it absolutely could do with being streamlined.
Q
Anastassia Beliakova: There are two considerations. The first is ensuring that businesses know that in future they can continue to rely on what they currently use to declare origin. At the British Chambers of Commerce, we facilitated 650,000 shipments through the use of certificates of origin last year. That is worth £22 billion to the UK economy—it is really critical. In the future, we do not know whether the existing means of declaring origin will continue. It is really important that businesses are told that they can.
It is also important from a strategic perspective for the UK Government, when we perhaps enter into new negotiations. If other countries ask for their means of declaring origin to be written into the agreement, that would cause significant compliance issues and would mean that there were far too many complicated rules for businesses to comply with. If there were provision in the legislation for the existing means of declaring origin, there would be a much stronger basis for the UK in future negotiations to make a case for the existing means to continue.
Q
Anastassia Beliakova: The intention of the Department for International Trade is now to roll over existing EU trade agreements, most of which accept preferential certificates of origin as a means of showing that the goods come from the EU. If in the future those agreements are not rolled over and there is not the same provision for the same means of declaring origin, that means that companies will not be able to get the reduced duty rate when they export to that market—or, indeed, import from it.
Good morning—it is nice to see you all here. Earlier this week, the director general of the CBI said that the UK should seek to negotiate a comprehensive customs union with the EU. Having listened to all the complications that you have just outlined, would you support that proposal?
William Bain: The BRC is less concerned at this stage with the means of delivering frictionless and tariff-free trade with the EU, but what we do see is the overwhelming priority of the Government to focus on securing that. Our biggest market is the European Union, and it is likely to remain so for many decades to come.
To put it into perspective, our members say that 79% of food imports come from the European Union. That shows the sensitivity of sourcing contracts and supply contracts. For example, some retailers offer ready meals with cheddar from the Republic of Ireland in them, so it is used as an ingredient in products. If we do not get a deal that ensures tariff-free trade with the EU, the tariff on Irish cheddar is 44.5%. On beef from Ireland, it is 38.9%. On Dutch tomatoes, it is nearly 29%. That will have a serious impact on consumers, which is why we have said that, above all, by whatever mechanism they achieve it, the Government should aim for frictionless trade and zero-tariff trade with the European Union. Otherwise, consumers will face a big hit to their living standards.
Anastassia Beliakova: The same principle of having as little friction as possible in future trade with the EU is, of course, very critical for our members. On the specific question of the customs union, we are currently surveying our members—literally as we speak, or at least in the next few days—so, as and when those results are available, I will be very happy to share them with the Committee.
Peter MacSwiney: All the efforts over the last few years have been to remove bureaucracy. SITPRO made it its mission in life to try and simplify trade, and now we are introducing an inhibition to trade in the form of a customs entry. Taking what William said, of course duty plays a part, but even if there is a duty-free element you still have to do a customs entry, and it is hard to see where the benefit of that is. So, I would say that some form of customs union would be useful and beneficial.
Gordon Tutt: From a systems point of view—obviously, we are a vested interest here—the more declarations that are done, the more money for our members. That is why we take a very neutral position on this. But clearly, as my colleagues have said, there are a whole range of issues here, particularly in the movement of goods, which traditionally posed no threat. That goes in both directions—both into the UK and leaving the UK. We need to find a mechanism to allow those goods to move freely, without hindrance and without additional cost to trade.