Recall of MPs Bill

Debate between Lord Beamish and Mark Durkan

Monday 3rd November 2014 Commons Chamber

[Mr Kevan Jones]

The hon. Gentleman will correct me if I am wrong, but in Northern Ireland, I think, voters must show ID. In the UK they do not. What is there to stop someone putting someone else’s name on a petition? If the list of names and addresses is not made public, how could anyone challenge an entry and say, “I didn’t sign that petition”? That is a weakness. Even if, in the UK, a presiding officer is present, there is no guarantee of the identity of the person signing.

[Mark Durkan]

The hon. Gentleman raises another significant point in the Northern Ireland context. Yes, ID is required in order to vote. In a proper recall system, just as the hon. Member for Somerton and Frome suggested in respect of postal and proxy votes, the same standard should apply to them in relation to recall as would apply in relation to elections and ballot papers, and similarly as regards voter ID in Northern Ireland. If somebody is coming to take the power of a voter in respect of a recall petition, they should have to present the same provable ID as is required in respect of an election. It is not particularly arduous and people have got used to the system. There is the electoral ID card, which covers people who do not have the other forms of ID.

[Mr Jones]

I agree that in Northern Ireland that provision is in place, but in the rest of the UK it is not. There is nothing in the Bill to suggest that people wishing to sign a recall petition in my constituency or any other constituency in the UK would have to provide some type of ID. Even if they did, because the names will not be made public, there is no way to challenge their authenticity. It is no good saying that signing a fictitious name is an offence. As the hon. Gentleman knows from his own experience in Northern Ireland, voter fraud used to be quite widespread.

[Mark Durkan]

The hon. Gentleman’s point gives rise to the question of location. Whether there is a minimum or a maximum of four locations, can people freely choose, turn up to any of them and register their signature on the petition? Will there be anybody to check there and then whether they are eligible? Many people may be unsure who their MP is or which constituency they are in. When it comes to setting up petition points, somebody should be in a position to verify that people are eligible to sign the petition by virtue of being on the register for that constituency, whether there is a particular geographic catchment for that constituency or an overall register for the constituency. That would need to be managed by way of regulation or other instruments. We cannot take care of all that in the Bill.

I have some sympathy with the points made about clause 9 and the language of the petition. That does not need to be in the Bill. There are also questions about the couching of that language and the need to make it clearer. Whereas on polling day people have to garner a significant amount of support to be successful, those who are mobilising behind a petition have to get only 10% in a constituency over a long period of weeks. It is not a high challenge that they are set. In those circumstances, it is not too much to expect that voters who are being given that opportunity should make sure that they are eligible to sign the petition. I think the test should be higher than 10%, which is why I supported the three-stage proposal from the hon. Member for Richmond Park.

Whichever version of recall petition we are discussing and at whatever stage it takes effect on either model, people should know that the process surrounding the petition is managed properly. If they think petitions are managed in a way that falls short of what they would expect at election time, we are inviting a culture of abuse. I hope the Government will consider the arguments, which will be supported both by those who broadly support the scope of the Bill that the Government have provided and by those who would challenge it. All of us want to know that if there is to be a petition process, it will be durable and reliable.

Recall of MPs Bill

Debate between Lord Beamish and Mark Durkan

Monday 27th October 2014 Commons Chamber

[Mr Jones]

That does not surprise me.

The hon. Member for Richmond Park has not even thought about finance and spending limits for recall, or about the work that would be done to undermine someone in the lead-up to it.

[Mark Durkan (Foyle) (SDLP)]

My hon. Friend began by saying that he supports recall as set out in the Government’s Bill. However, surely it provides that, on the basis of either of the triggers, a petition of simply 10% of the electorate can take a Member out completely, regardless of what the other 90% say. How can we give any weight to his argument about democracy, given that he supports 10% being able to oust a Member straight away?

[Mr Jones]

I must say that I do have problems with that system, but I also know that under it, at least we are talking about someone who has been found guilty of some wrongdoing. If the amendment were accepted, as in the United States, a small number of well financed people would be able to go after certain individuals.

The hon. Member for Richmond Park referred to a figure of £35,000 for a recall election. The recent recall election in Wisconsin cost $35 million. The idea that several recall election referendums around the country could be done on the cheap is fanciful, to say the least.

High Cost Credit Bill

Debate between Lord Beamish and Mark Durkan

Friday 12th July 2013 Commons Chamber

[Mr Jones]

The hon. Gentleman must have a very good relationship with the Telegraph & Argus—I do not have the piece here; I just wrote it down—because there is a blooming big photograph of him next to the “crackdown” headline, when it is not a crackdown but the back-down that he has put forward today.

Returning to the speed dating initiative and the influence on Conservative party policy on this area, the party’s response was:

“It is essential for good regulation that ministers and others meet with and listen to the views of the businesses they regulate as well as those who campaign for tougher measures.”

I do not think that anyone would disagree with that, but why should the option to meet Ministers cost £1,250? Will my local credit union or some of the victims of payday lenders have access to those Ministers? No. This is privileged access to senior Ministers bought by raising money for the Conservative party. Payday lenders indicated that they wanted light-touch regulation, despite ordinary people suffering at their hands.

As others have said, payday lenders look like Robin Hood in reverse; they take money from the poor and give it to the rich, and some of the Government’s policies will only make it worse. If people have to wait seven days to apply for jobseeker’s allowance, it will be a bonanza for the payday loan industry. If someone is made redundant and has no savings, what do they live on? They will go to a payday lender and get into the cycle of debt already described. The hon. Member for East Hampshire (Damian Hinds) made a good speech, but I do not think he understands that a lot of people do not have savings, have no recourse to family members with large savings and are living from week to week—in some cases from day to day. I work with credit unions encouraging people to save small amounts—I accept his point about that—but, as the hon. Member for Worcester said, credit unions will not solve the problem, unless we make an effort to expand them.

There is another problem waiting to hit this country big time, and it does not just concern people suffering now: an increase in interest rates. Yesterday, The Times reported that if mortgage interest rates rose by 2%, 800,000 people would be spending more than 50% of their income to pay off their debts, and that if they rose by 4%, that figure would be 1.2 million. This is a time bomb. Currently, we rely on low interest rates, but if they rise, the situation will get serious, with a lot of people struggling now needing support, and a bonanza for the payday loan companies. I am not surprised that, as someone said, many American companies have moved away from that regulated market to what must seem to them like the Klondike.

I want to raise a question I have come across in my constituency, and one that has been raised already: can these people afford to pay back this money? In most cases, the answer is no; and the lenders know that. Their record on background checks is poor. It is like with heroin addicts. These payday loan companies get people on to it, and then keep them on it. That brings us to roll-overs, which the OFT, like my hon. Friend the Member for Sheffield Central, have criticised. Once people get into debt, it just carries on, so it is a bit like heroin. People get hooked and never get off the treadmill. That must be stopped.

The hon. Member for Castle Point (Rebecca Harris), who is no longer in her place, mentioned the misuse of the continuous payment authority. This comes down to financial education. People are not aware that these debts need not be the priority. Often, they are treated as the priority, however, because people have been led to believe that they have to pay them off before their mortgage and other debts. That definitely needs explaining and regulating, which the Bill would do.

[Mark Durkan]

Does my hon. Friend agree that some of these businesses are basically committing usury and that the arguments against the Bill are nothing more than “excusury”?

[Mark Durkan]

I thank my hon. Friend for giving way again. Does he recall that when the Government were taking through the Financial Services (Banking Reform) Bill—which makes far more provision in respect of the FCA, the Prudential Regulation Authority and the new regulatory system—they made a point of saying that it rightly provided more indicators from Parliament for issues and options to be considered in relation to the FCA’s other functions, because the evidence was that that had been missing from the previous regulatory regime. Surely this Bill is simply colouring in the equivalent considerations in respect of this power for the FCA.

[Mr Jones]

I am going to do an unusual thing now and agree with the hon. Member for North East Somerset (Jacob Rees-Mogg), who said that this House should have control of those things. The de facto position under this Government—and, I have to say, the previous Government—is that the best way to do these things is to create an arm’s length regulator, which will somehow sort the problem out. I am not opposed to that—although the episode involving the Independent Parliamentary Standards Authority this week has shown that it can backfire a little—but if we are to have a regulator, Parliament has to set clear guidelines. I am therefore not opposed to external regulation, as long as it operates according to a clear set of guidelines, which this Bill would set out. Indeed, that is the strongest aspect of this Bill.