(8 months, 3 weeks ago)
Lords ChamberMy Lords, I welcome this report and I particularly welcome the Church basing a report on something from scriptures. Far be it from me to ever advise anyone in the Church on the structure of the Church, but over the years I have been baffled over how much time the Church has been deflected into issues that do not appear to feature very much in the Bible—yet here we have a report that uses a thematic, a concept, a word, that is embedded in the theology at every level, not quite in every verse but in every chapter, one might say, and I commend it on that.
I have not done any early morning revision, but I do not recall the word “divorce” featuring in the scriptures; perhaps it does and I am mistaken. I am advised that it does once. Well, there is a good balance, then, in terms of where the balance of work should be. I want to talk about separation, but a separation in terms of distance that I think is crucial to how this commendable report could assist in policy-making. Perhaps this could have been stressed more within the report, but if one compares with other faith groups—Judaism, the Muslim faith, Hindus, Sikhism—one sees strong family structures. Without question, the whole concept of faith is a key bind, but I think there is something more practical that we, as those attempting to advise and influence policy-making and decision-making by the state, could understand from the comparator, and that is to do with distance or non-distance.
What defines all those communities is that, geographically, they are rather compact. The housing that people live in is very near. That is a fundamental issue in relation to family. I have written down the term “dysfunctional families”. There is no more dysfunctional family than the one whose son’s birth will be celebrated in a week or two: a family that did not have stable housing. Availability of housing stock, it seems to me, is the single most fundamental issue in relation to family. I have been married for 37 years —I am almost beginning to lose count—and I do not fetishise the concept of marriage, but the concept of family I absolutely do, which is why I think this report is so helpful.
We live in a society where families are far less connected, and that is a significant problem. When I was a representative, for nearly 20 years, in a former coal mining community, there were many families with problems that experts could classify as dysfunctional families. They survived and often thrived, despite the problems they had, because they lived together. If I were to hope for a second report, on which the expertise in this House would be profound, including among the Bishops, it would be on the role of grandparents in society. There is an expertise in this House. I have my own modest share of it, and I am sure that there are many such experts on the Benches.
In the community I represented, grandparents were critical to the upbringing of children. Often, one did not know who was really bringing up the child. If a daughter or a son, particularly a daughter, had problems with drugs, alcohol or whatever else, which was not uncommon, in reality the children would be brought up by the neighbouring grandparents, or sometimes aunts and uncles, because the geography allowed it. How did it allow it? It allowed it because, for all sorts of historical employer-based, profit-driven reasons, I suppose, housing was built that gave a choice in housing—council housing, but also housing from the NCB, the Coal Board, which was the biggest single provider of housing from the non-local authority state. There was lots of mining housing, big family-size housing. People could get that housing. The removal of that housing stock and that choice to rent housing near family is fundamental in the destruction of society that we have seen in the last generation. We are doing nothing about it. The noble Baroness, Lady Stowell, made a differentiation between well-off and poorer families. Housing is fundamental in that.
I can afford to choose to live near my grandchildren because I can purchase property there. An exception to this would be if they lived in London, in which case that would be beyond me now, and therefore beyond most people. We have allowed a distortion in the housing market—in the private market, of which London is the classic example in our country but certainly not the only city across the world like this, and in the rented sector, which we have allowed to disappear as a coherent entity. My grandparents would visit me as a child twice a week; I would visit them once a week and other family would be there. We did that every single week, without exception. That creates a strong family unit.
There are new family units—perhaps this could have been a by-line. I have many problems with the internet but one thing it has done is allow us to have a Facebook page and a WhatsApp group called “Family is Forever” which is, strangely enough, made up of family members. I am less active on the Facebook page than others. I spread family news to people who already know it—because it has been posted, and it is immediate, everyone apart from me already knows it; perhaps I am a little elderly to master these things, culturally more than technically. That has strengthened family units across distance.
I put it to those who wrote the report and to the Government that, if any Government are going to be truly pro-family, the rented housing sector has to fundamentally change, so that whether in a small rural village, a mining community or the city, people have the option to live near family. That is what is really creating the dysfunctionality. Family units and households can always be dysfunctional, and have been, and will be. But families can overcome much of that, particularly the protecting of children, if there are people available. These days, the way of work is making that significantly more difficult.
My final point has already been referenced by others, and concerns looking at those at the older end, which, by the day, I become more interested in thinking about. What does one do with elderly family? Again, how we structure housing and accommodation is absolutely fundamental. We do not make it easy, and we do not incentivise, but it is within our powers to do so. My plea to decision-makers is to take this report as a useful prompt to think through how we could make a change in housing—there will be other changes, but housing is the number one change—that would make a difference in supporting families.
(5 years, 1 month ago)
Commons ChamberI met plumbing representatives from Lancashire recently, and those in Angus and Perth last year. We also debated this matter in the House last year. There are nearly 1,000 last man standing multi-employer schemes. Most respondents to the Green Paper on defined-benefit pensions felt that the current buy-out basis was a clear and fair way in which to calculate an employer debt.
I cannot speak on the specifics of the individual scheme, but the majority of the employers in these schemes are incorporated and are not personally liable for any debt. The flexible apportionment arrangement can be used to help unincorporated employers who wish to incorporate, and the plumbing pension trustee has a streamlined flexible apportionment arrangement process that employers can use. Alternatively, where the employer debt arises in multi-employer schemes as a result of an employer cessation event, there are a number of mechanisms in the occupational pension schemes employer debt regulations that can be of assistance.
(6 years, 6 months ago)
Commons ChamberUrgent Questions are proposed each morning by backbench MPs, and up to two may be selected each day by the Speaker. Chosen Urgent Questions are announced 30 minutes before Parliament sits each day.
Each Urgent Question requires a Government Minister to give a response on the debate topic.
This information is provided by Parallel Parliament and does not comprise part of the offical record
(Urgent Question): To ask the Secretary of State for Work and Pensions if she will make a statement on executive pay and cash reserves held at Motability.
I am here today to address the concerns that have been raised about the structure of the Motability scheme. Let me first say that the scheme provides important support for more than 600,000 disabled people and has improved and extended its offer over the past few years. For example, in 2013, in my role as Minister for disabled people, I summoned the chief executive and chair to explain the excessive pay and bonuses of Motability scheme staff and the sums of money held in reserves. Despite being told that the charity needed such money for capital reserves, and the Charity Commission agreeing with that, I pursued the matter with the Department and ensured that the funds were used to benefit disabled people. The result was that £175 million was used for transitional support for claimants.
In April last year, after firm encouragement from the then Minister, my right hon. Friend the Member for Portsmouth North (Penny Mordaunt), Motability extended that transitional support. After direction from the Department, the charity is now piloting a Motability scheme to help children under the age of three who are not eligible for the mobility component of child disability living allowance but who rely on bulky medical equipment. The scheme has the potential to help up to 1,800 families.
I must emphasise that Motability is an independent charity that is wholly responsible for the strategic direction of the Motability scheme. It has oversight of Motability Operations, the commercial partner that operates the scheme under contract to the Motability charity. As a company, Motability Operations is an independent commercial business regulated by the Financial Conduct Authority. Although the remuneration of its directors and managers is a matter for Motability Operations to decide, from the outside one has to question whether it is really right. That view is endorsed by the Charity Commission, which said yesterday that the Motability trustees may wish to consider the reputational issues raised by the salaries being paid to its commercial partner’s executives.
Motability was set up 40 years ago, with cross-party support. It has done much good in that time, but today, anybody who looked at the size of the reserves and pay packages would question the direction that Motability has taken in allowing that to happen. Motability must listen to the criticisms it has faced, not only in the media this week but over the course of several years, and be receptive to change. As Secretary of State, I want to see a clearer commitment from Motability that it will maximise the use of funds to support disabled people’s mobility and independence.
As we have seen in so many instances, what was deemed correct in the 1970s is not necessarily correct by today’s standards. In the light of the current focus on corporate governance issues and the use of public money, I have today asked the National Audit Office to consider undertaking an investigation into this matter. I am keen for the NAO to look at how Motability is using taxpayers’ money.
I thank you, Mr Speaker, for granting this urgent question, and the Secretary of State for her initial response.
It is grotesque that this registered charity, which is funded by the taxpayer through a direct grant from Government, is carrying cash reserves of £2.4 billion and has been underspending its budget by £200 million a year, and it is grotesque that this charity is paying its chief executive £1.7 million a year. Will the Secretary of State commit to an urgent review of executive pay at Motability and to publishing its results? Will she commit to urgently examining the finances of Motability and the audit arrangements made by her Department in previous years, and again, will she publish that review?
The point is that there is no risk; this is a no-risk situation. It is a very good scheme for the disabled, but there is no risk. The reserves are only half the picture—the banks are also profiting, possibly to the tune of billions over the years, because they are bearing some of the risk. Will the Secretary of State commit to reviewing the lack of competition in the financing arrangements with the banks, which see the large four banks making huge amounts of profit out of this scheme? How can the banks be allegedly covering the risk, when Motability has £2.4 billion in reserves allegedly to cover that risk? It is the same risk, yet in fact there is no risk at all because the taxpayer is guaranteeing the scheme.
Will the Secretary of State also make it abundantly clear to the disabled people in receipt of Motability that they need fear nothing and that the scheme and the service that they get will continue as is? What we as Members of Parliament are interested in is the finances behind the scheme, the excessive profits and the scandal that a no-risk scheme has banks profiting so much and the charity itself quite unnecessarily holding £2.4 billion in reserves.
First, I thank the hon. Gentleman for his work and for his courage in pursuing the matter. I also thank the media for exposing the situation. Now that I am back in the House as Secretary of State for Work and Pensions, I can say that the situation needs to come under the spotlight. I would like to work with him on that, to bridge the divide of party politics and do what is right. We need to uncover what is happening in the Motability scheme and to ensure that the money held in the company’s reserves goes to the people that it should be supporting. He quite rightly says that having such an amount of money in reserves is grotesque, and that it should really be going to support disabled people.
As for where we go next, an urgent request has gone to the National Audit Office to ensure that if disabled people choose to spend money on the Motability package, that is a good use of the benefits that they get, and to check how taxpayers’ money is being used. Motability has been a lifeline for many disabled people who have chosen to take part in the scheme. As I have said, it is helping more than 600,000 people, and we must not throw the baby out with the bathwater. For those whom the scheme is helping, it is an essential lifeline, but if it could be helping many more disabled people then that is exactly where the money should be going.
(6 years, 10 months ago)
Commons ChamberWe have implemented a wide range of initiatives across the whole claim process, including speeding up the process to clear more claims, increasing the number of healthcare professionals and extending working hours, and making improvements to IT systems.
I visit jobcentres all the time and what I hear is that universal credit is providing a more personalised support that is helping to get more people into work and that it is an important reform. Those who stand in the way of it are failing to help the people who need support.
(8 years, 9 months ago)
Commons Chamber1. What estimate he has made of the number of pensioners accessing up-to-date pension advice from his Department.
The Department itself does not give advice. Regulated financial advice can be given only by a Financial Conduct Authority-authorised adviser. Pension Wise, set up by the Government, offers free, impartial guidance to people aged over 50 with defined contribution pensions. So far, over 20,000 people have received a guidance appointment since April 2015.
Twenty thousand is a drop in the ocean, considering the enormity of the changes. How will the Government ensure that pensioners are getting good, sound advice—and quantify that they are—in order that pensioners are not ripped off by people advising them badly and therefore lose out in future years?
May I bring the hon. Gentleman into the 21st century? There have been over 1.5 million visits to the Pension Wise website. We are confident we will make sure that the public are aware of what Pension Wise has to say, and that people can access the website or have face-to-face, telephone or online interviews.
(10 years, 5 months ago)
Commons ChamberI will certainly bring my hon. Friend’s concerns to the attention of the Minister for Policing, Criminal Justice and Victims; in fact, this afternoon, he and I will chair the UK Council for Child Internet Safety, which brings together a range of stakeholders to talk about these issues.
10. What discussions she has had with FIFA and the Football Association on the rights of migrant workers in Qatar employed in preparations for the 2022 World cup.
While there have been no direct discussions with the FA or FIFA, the Government have regular discussions with the Qatari authorities on issues including human rights, and welcome their pledge to investigate the treatment of migrant workers.
May I suggest that the Minister pulls her finger out and starts raising this issue? The football industry seems far more concerned about the weather during the World cup than the fact that hundreds of Nepalese and Indian workers have died constructing the sites. Even more grotesquely, perhaps, those who get seriously injured are left financially destitute precisely because they are injured. Will the Minister raise this issue properly, as the Government should?
Indeed, the issue has been raised by colleagues in the Foreign Office, but we will of course continue to encourage the Qatari authorities and other interested parties to do more. We need to make progress on improving the living and working conditions of migrant labourers. Of course, we stand ready to support those efforts where we can.
(13 years, 10 months ago)
Commons ChamberThe Office for Budget Responsibility has projected a net increase of 700,000 EU migrant workers during this Parliament, and that point was confirmed by Treasury officials to the Treasury Committee. Does the Secretary of State agree—and as the previous Government found to their cost—that an employer is more likely to prefer a new, young EU migrant worker to someone who has been on benefits for 10 years?
The hon. Gentleman makes an interesting point. The only answer I can give is that during the past 10 years we have had between 4 million and 5 million people permanently parked on some form of out-of-work benefit. The reality is that it became easier and cheaper for most employers to employ people who were not on benefits than to go to the pool of people who were on benefits. I hope that our reforms will make work pay for those who are on benefits and thus release that pool of talent, so that demand can be met from here in the UK, and that only those who are really skilled and necessary will have to come from overseas.
(14 years, 1 month ago)
Commons ChamberMy hon. Friend makes an important point. I have visited his constituency and know what an important part the mining industry has played in his local economy over the years. We all very much hope that it will have the opportunity to do so again in future. I am very sympathetic to the points that he makes. I can give him an undertaking that I will discuss the matter with Lord Freud, and we will certainly make representations on his behalf to the IIAC to see whether the issue of the tin mining industry and those who have worked in it can be addressed again.
I am delighted to hear that the Minister is sympathetic to the mining industry and miners across the country. Can he give a guarantee that there will be no cuts whatever in the industrial injuries compensation that the Government provide to those in coal mining, tin mining and every other type of mining over the next five years?