Work Capability Assessment Consultation

Aaron Bell Excerpts

Tuesday 5th September 2023 Commons Chamber

[Mel Stride]

It is a fact that people are better off, on average, being in work than being on benefits. I pay tribute to my predecessor who introduced universal credit, which makes that the case. Bringing people into work who would not otherwise be in work means that they will, on average, be better off. This Government have increased the national living wage by over 9%—it has been £10.42 since April—and have introduced cost of living support for 8 million low-income households, 6 million disabled people, pensioners and so on. In response to the hon. Gentleman, the proposed changes are another step in exactly the right direction.

[Aaron Bell (Newcastle-under-Lyme) (Con)]

In response to my hon. Friend the Member for Kettering (Mr Hollobone), the Secretary of State referred to the statistic of 65%. It strikes me that out of that 65% of people, a number of them could work, should work or want to work, because that is the best thing for them. Building on the 2 million people with disabilities who we have got back into work, is it not the case that there must be people who are trapped in that 65%? Is it not imperative for the Secretary of State and his officials to get those people into the world of work as soon as possible?

Oral Answers to Questions

Aaron Bell Excerpts

Monday 4th September 2023 Commons Chamber

[Tom Pursglove]

I am very appreciative of citizens advice bureaux around the country for all the work they do in supporting constituents in each of our constituencies. In the interests of time, I will just refer the hon. Gentleman back to the points I made earlier about the steps we are taking.

[Aaron Bell (Newcastle-under-Lyme) (Con)]

The recent changes to access to means-tested benefits for those in receipt of vaccine damage payments are very welcome, and I thank the Minister for his engagement. Will he join me in paying tribute to those who campaigned for that change in the law, including my constituent Sheila Ward?

[Guy Opperman]

I pay full credit to Mrs Ward and also to my hon. Friend. I read with interest the Stoke Sentinel report on this particular issue. There is a genuine change to be made, there has been a long-standing campaign, and all parties should be pleased with the outcome reached.

Cost of Living Support

Aaron Bell Excerpts

Tuesday 20th June 2023 Commons Chamber

[Tom Pursglove]

The right hon. Gentleman will recognise that my right hon. Friend the Secretary of State has his annual review of benefits and pension levels, where all matters are properly considered in the usual way. Decisions are made and announced through those formal processes. It is worth saying in relation to disability spending more generally that in 2027-28 total disability spending is forecast to be over £41.6 billion higher in real terms compared with 2010. We are spending very significant sums of money on support for disabled people. We also have those cost of living packages of support in place for them. We will continue to be on the side of helping people through this difficult time, supporting where we can and cushioning the impacts of those challenges. Again, I invite Opposition Members to join the support for the overarching mission of this Government, which is to get inflation down and to relieve those pressures.

[Aaron Bell (Newcastle-under-Lyme) (Con)]

I welcome my hon. Friend’s statement and the £150 that is going into the bank accounts of 6 million people, including many of my constituents in Newcastle-under-Lyme. I welcome all the support that he outlined, including on energy bills for the entire country, households and businesses, over the winter. I welcome that energy bills are about to start falling at last, which I know will be welcome to everybody across the House. However, does he agree that the best way for us to help the most vulnerable is to help them into well-paid, sustainable jobs, whether part-time or full-time? We should look for support from employers for adaptations and managing conditions in doing that.

[Tom Pursglove]

I totally agree with my hon. Friend. Work is such an important part of relieving some of those pressures, but it is also important for people in the longer term. We want more people to unlock their potential and access all the benefits and opportunity that work brings. We see that as a partnership, and we want to continue to deepen that commitment as a Government, working collaboratively with employers to unlock those opportunities. Schemes such as Access to Work Plus, which we have piloted, evaluated, and are now rolling out, are all about crafting roles, working with an individual and an employer, where there is a determination to employ a disabled person. We see massive benefit to that approach, not just for the business and our economy, but also for the disabled person in question.

Child Support (Enforcement) Bill

Aaron Bell Excerpts

3rd reading
Friday 17th March 2023 Commons Chamber

[Aaron Bell (Newcastle-under-Lyme) (Con)]

It is a pleasure to follow my hon. Friend the Member for Orpington (Gareth Bacon) and to listen to my hon. Friend the Member for South Ribble (Katherine Fletcher) expertly introduce the Bill on behalf of my hon. Friend the Member for Stroud (Siobhan Baillie), who cannot be here today. I know how passionate she is about families because of her time in legal practice as a family law solicitor; how expert she is on such matters; and why she was a great choice to bring the Bill to the House.

Before I turn to the Bill, I want to put on record, because I did not have the chance to speak in the debate, my happiness and delight that the Hunting Trophies (Import Prohibition) Bill passed its Third Reading an hour or so ago.

I commend my hon. Friend for her work on childcare, which she has consistently championed in this place, to some considerable effect as we saw in Wednesday’s Budget. I know that the changes that my right hon. Friend the Chancellor of the Exchequer made will make a real difference to my constituents, to the constituents of all hon. Members, to new families across the country and, particularly, to mothers who want the choice of being able to go back to work and to be supported by the state as they do so.

This is a short Bill, but no less effective for that—in the best tradition of private Members’ Bills on Fridays. From reading my inbox and hearing about some of the cases that my staff work hard on, I know how important the good functioning of the Child Maintenance Service is to many families. When things go wrong, the consequences for the receiving parent and, perhaps more crucially, the children can be profound.

It is frustrating to see people refuse to honour their responsibilities. As my hon. Friend the Member for Orpington said, it takes two to make a baby, it takes two to raise a child and it takes two to pay for a child as well. While I understand that some parents struggle to afford to pay in difficult situations and when there is a change of circumstance—and I will always support constituents, whichever side of the argument they are on, in trying to make that case to the CMS—it is obvious that in some cases parents are deliberately and willingly choosing not to pay what they owe, not financially supporting their children and leaving the other parent, usually the mother, high and dry.

The difference that those payments make to children’s lives is critical. The Nuffield Foundation, a social mobility charity, estimates that as many as one in five single parents on benefits is lifted out of poverty by receiving those child maintenance payments, which means a better future for their children. Parents who receive that money, and in many cases rely on it, should be able to trust the system to move as swiftly as possible to help them recover maintenance arrears when that becomes necessary.

I pay tribute to the CMS’s work and the action it takes to tackle payment breakdowns at the earliest opportunity, to re-establish compliance and to collect unpaid amounts that have accrued. When that is not achieved and the parent is employed, the CMS attempts to deduct the maintenance, including arrears where appropriate, directly from their earnings. As we all know, employers are obliged by law to co-operate with such action, but unfortunately that does not mean it always happens.

Turning to the wording in clause 2, sometimes there are cases where that does not work, either because

“(i) it is inappropriate to make a deduction from earnings order against the person (because, for example, the person is not employed), or

(ii) although a deduction from earnings order has been made against the person, it has proved ineffective as a means of securing that payments are made in accordance with the maintenance calculation in question”.

That happens worryingly often, and that is what my hon. Friend the Member for Stroud is trying to address through this Bill. Under the current legislation, the CMS must apply to the magistrates or the sheriff court to obtain a liability order before the use of other enforcement powers, such as instructing enforcement agents or sheriff officers, or even more stringent court-based enforcement actions such as forcing the sale of a property, disqualification from driving or holding a UK passport, or even, in extreme cases, commitment to prison.

This Bill will amend the uncommenced primary legislation to enable the DWP to take further enforcement action without the need to apply to magistrates or sheriff courts. Instead, it allows the Secretary of State to make an administrative liability order. That will allow enforcement measures to be used more quickly against those parents who have failed to meet their obligations and will reduce the pressure on our courts, since I understand that liability orders at the moment take approximately 20 weeks. The simplification of the system will make it more efficient and get that money more quickly back into the pockets of the people who need it.

This Bill is of great importance in ensuring that the CMS can make the necessary improvements to enforcement processes and get the money to the parent and thus to the children more quickly. We must ensure that parents who are messing about, choosing to avoid their responsibility to their children, know that there will be sanctions against them and that the action taken against them will be swift—thereby not only putting that case right, but providing a deterrent to others who might be tempted to do likewise.

In conclusion, the most important thing is that any changes we make in this area should always have the children at their heart and should benefit the children in what can often be difficult and emotionally charged situations. It is important we have them at the forefront of our minds whenever we do anything in this area. This Bill will enable us to get the legal and the money issues out of the way so that we can focus on the welfare of the children.

Oral Answers to Questions

Aaron Bell Excerpts

Monday 6th March 2023 Commons Chamber

[Mr Louie French (Old Bexley and Sidcup) (Con)]

7. What steps his Department is taking to support pensioners with increases in living costs.

[Aaron Bell (Newcastle-under-Lyme) (Con)]

20. What steps his Department is taking to help pensioners with increases in living costs.

[The Parliamentary Under-Secretary of State for Work and Pensions (Laura Trott)]

The Government are committed to helping pensioners with the increased costs of living. From April, pensioners will receive the largest ever cash increase in the state pension, and pension credit will also be uprated by 10.1%.

[Laura Trott]

The ULEZ is an outrageous attack on pensioners who can least afford it, and I pay tribute to my hon. Friend for the amazing work he is doing to fight it and to help all pensioners in his constituency. I would be delighted to visit him and see that work for myself.

[Aaron Bell]

I thank the Minister for her answer. With 26,500 pensioners in the borough of Newcastle-under-Lyme, the 10.1% increase in the state pension and pension credit will be very welcome, but what other schemes are the Government putting in place to help people with the cost of living at this time?

[Laura Trott]

Pensioners will receive a further £300 cost of living payment this winter and all on pension credit will receive a further £900.

Oral Answers to Questions

Aaron Bell Excerpts

Monday 23rd January 2023 Commons Chamber

[Tom Pursglove]

I can certainly extend the offer to my hon. Friend to join the meeting that I agreed to in an earlier exchange. I am keen to have his insight and input on this issue. It is important to set that £150 payment in the context of a wider package of support that has been provided: the £900 cost of living payment; the £300 pensioner payment; and the support that has been provided through the energy price guarantee, as well as discretionary support. It is right, particularly with reform in the offing from April 2024 around energy support, that we look at this issue in the round.

[Aaron Bell (Newcastle-under-Lyme) (Con)]

17. If he will review whether vaccine damage payment awards should be disregarded for the purposes of universal credit.

[The Minister for Employment (Guy Opperman)]

My hon. Friend is a great champion for his constituents in Newcastle-under-Lyme. It was a pleasure to meet him recently and discuss his particular constituent’s case. I can assure him that I will review the issue.

[Aaron Bell]

I thank the Minister for meeting me to discuss the case of Mrs Ward. As we all know in the House, the vaccines are incredibly important and largely effective in stopping covid, but there have been a few cases in which there are side effects, and we should acknowledge that. We have a vaccine damage payment scheme for such cases, but universal credit does not disregard payments made under that scheme, although it does for some other payment systems. That means that Mrs Ward, who has been bereaved, has the additional indignity of having her payment means-tested, whereas someone who was not on universal credit would receive the payment in full. I thank the Minister for the review, and may I ask for a timeframe for when people such as Mrs Ward can have answers about this?

[Guy Opperman]

My sympathies go out to Mrs Ward and her family in the circumstances that my hon. Friend has outlined to me, both in private and in public today. I can assure him that this matter will be reviewed. It is clearly a cross-Government matter, but it will be resolved by the summer at the latest.

Pension Schemes Bill [Lords]

Aaron Bell Excerpts

Report stage & 3rd reading & 3rd reading: House of Commons & Report stage: House of Commons
Monday 16th November 2020 Commons Chamber

[Nigel Mills]

I was coming on to say that there are better ways we could do this. I accept that we should encourage funds as strongly as we can to use the vast sums at their disposal to support investment in climate goals and other socially positive activities, but that should be done in part through member choice. There should be eco-friendly pension schemes and socially responsible ones, but they should allow their members to choose to opt into those schemes, and not have them as the default, if they are going to have a lower pension at the end of it.

[Aaron Bell (Newcastle-under-Lyme) (Con)]

Does my hon. Friend agree that an unintended effect of amendment 16 might be that pension funds feel they have to divest themselves from oil giants and so on? Those are the companies we need to address climate change—we cannot get to net zero without working with them—and divestment is not the right approach.

[Nigel Mills]

I agree, and I was coming on to that argument. I am not sure that achieving net zero can be pushed down to individual pension schemes and individual investment advisers. I suspect we will have to accept that between now and 2050, there will be some businesses out there that are bad for the environment but we are still going to need their products and services. We will need some of those even after 2050. We will achieve net zero by having other businesses that are more positive for the environment, with some still being bad for it. I am not sure that we can require every individual pension scheme to be a net zero investor. Otherwise, there will be a load of things that they just cannot invest in, as they cannot achieve that strategy.

I fully agree with the sentiment and agree that the industry needs to do more. I said on Second Reading that what we do not need are posh written documents that sit there with nice-sounding promises that never get implemented. We need pension schemes and their investment managers to be much more—

--- Later in debate ---

[Ms Eagle]

I thank the Minister for that point. We had this discussion in Committee, and we are having it again on the Floor of the House. I think it is worth exploring, but within the context that I think dashboards are a good idea.

With new amendments, the Opposition are trying to get more information in the dashboard, which the Minister is trying to keep a bit simpler. The information that our amendments would introduce into dashboards includes fees, charges, costs and price—information that I would say is quite important to consumers who are thinking about where to put their money or whether to switch their money around. In what other area where services were being bought would we try to hide the price of the service that is being offered in quite this way? People argue that it will just confuse consumers to know how much money is being taken out of their funds in charges or fees. I would say that the opposite is true. The more transparency we have in the dashboard, the better.

I know that others will speak about investment philosophies and amendments 16 to 24, which are also in this group, so I will leave that to them. Overall, the Bill is a good thing. The introduction of CDCs is an extremely good thing. Despite the fact that we are having this boxing match about scams and strengthening the rules against them, increased consumer protections and increased transparency, I think that everyone on both sides of the House will note that the Pension Schemes Bill, when it becomes law, will take forward some of the work that needs to be done to try to ensure that all our constituents, whether they are of a younger generation or a slightly older one, can look forward to a framework that will guarantee them some reasonable income in retirement. I do not think that anyone on either side of the House would argue with that.

[Aaron Bell (Newcastle-under-Lyme) (Con)]

It is a pleasure to follow the hon. Member for Wallasey (Ms Eagle). I welcome her constructive approach and her general support for the Bill. I have no formal interest to declare, but I should tell the House that my father was a consulting actuary for much of his career and went on to run a friendly society, so I was brought up on probabilities and portfolios. I did not just learn my timetables; I also learned my mortality tables.

This was my first Public Bill Committee, so I took the opportunity just to listen. It was a highly informative and very good-natured Bill Committee. I thank the Minister for that; I thank the Clerks, and I thank all Opposition Members and the Scottish National party Front Bench for the constructive comments that they made in Committee. Given that one of my predecessors in Newcastle-under-Lyme, Mr John Golding, once spoke for over 11 hours in Committee, I think the Committee should perhaps be grateful that I did not speak, and I note that this debate has to finish by 9 pm as well.

[Ms Eagle]

I knew John Golding, and he never spoke for one second longer than he needed to for a particular political purpose. I know that he spoke for that length of time because he was conducting some parliamentary manoeuvres that were extremely important for the progressive cause.

[Aaron Bell]

I thank the hon. Lady for that intervention. Yes, I think Mr Golding successfully pushed the Telecommunications Bill to the other side of the 1983 general election, but that election, as she may well remember, did not go well for her party.

This Bill makes pensions safer, better and greener. I will briefly turn to some amendments on each of those three topics. Amendments 2 to 5 are on scams. The right hon. Member for East Ham (Stephen Timms) acknowledged that those are probing amendments. I will not repeat the story that I told on Second Reading of my constituents who suffered from a pension scam—all hon. Members will have similar stories—but those scams are extremely destructive. As my hon. Friend the Member for West Bromwich West (Shaun Bailey) said, they often affect people who have no real experience of financial matters. At a vulnerable point in their lives, they can be taken advantage of, so I welcome the work that has been done, and I welcome the commitments that the Minister has made to work further in this area.

On the greener side of things, like my hon. Friend the Member for West Bromwich West, I cannot add much to the excellent speech by my hon. Friend the Member for Grantham and Stamford (Gareth Davies), who set out the reasons why the Government disagree with the amendment 16. It is an inappropriate use of the legislation. As my hon. Friend the Member for Amber Valley (Nigel Mills), on whom I intervened, said, the Government have other ways to make sure that companies meet those targets. We cannot ask pension trustees to make those fine decisions. I firmly believe that the Bill is a real step forward, but engagement, not divestment, is the way to proceed.

I turn principally to dashboards which, for me, are the most exciting part of the Bill, enabling the same sort of transparency, flexibility and, crucially, easy tracking of our pensions as we have all come to expect of our current accounts, credit cards and mortgages. We are in the information age, and we need to make that information accessible to people, particularly with all the stuff that we have heard in Committee and on Second Reading about the number of jobs and pension schemes that people have. Auto enrolment, in particular, enables people to bring their pensions into one place and perhaps to consolidate them, which is a real step forward, as it empowers people. As my hon. Friend the Member for Delyn (Rob Roberts), who cannot be here today, said in Committee, the key principle is informed choices. When we inform people about their choices, that can drive sensible decision making on, for example, consolidation.

The amendments that seem to circumscribe dashboards —for example, amendment 15, 8, 14 and others—are not necessary. More than that, they would be frustrated by the market. The Which? report that I quoted on Second Reading said:

“It is clear that even if the government was to decide that there should only be a single government-run dashboard, other private sector dashboards would continue to develop outside of the regulated market. These may rely on screen-scraping or other potentially unsecure forms of transmitting customer data.”

Alternative products are already springing up, and we cannot hold back the tide like Canute. We have to go where the customer is, as the Minister said when intervening on the hon. Member for Wallasey.

I do not think that we should try to buck the market in regulation. Instead, we should regulate effectively, and that is what the Bill does. I urge the House to reject the amendments, although I accept that they are well meaning. As many hon. Members have said, there is real agreement among us about how we should proceed, but I do not think that any of the amendments are necessary. I congratulate the Minister on the Bill, and I look forward to the safer, better and greener pensions that we all deserve.

[Pete Wishart (Perth and North Perthshire) (SNP)]

I support new clauses 4 and 5, which I tabled with my hon. Friends. It is a pleasure to follow the hon. Member for Newcastle-under-Lyme (Aaron Bell). This has been a good-natured debate. We all have particular issues we want to raise in relation to the Bill, but everything has been presented in a compelling, interesting and mainly consensual way.

The pernicious impact of section 75 of the Pensions Act 1995 on multi-employer pension schemes, particularly plumbers’ pensions, must rate as one of the biggest pension injustices of recent years. The litany of devastating stories of honest, hard-working men and women who face crippling debts and liabilities, sometimes of hundreds of thousands of pounds, is simply heartbreaking. We heard another example today from the hon. Member for North East Fife (Wendy Chamberlain), who is not in the Chamber. I have had plumbers, including some in their 60s or even 70s, who have been forced to continue to work because of the effects of the scheme. They have been in tears describing to me what that will do to them and the impact on their life and health. They are on all sorts of support to try and get through the real concerns and anxieties about possibly losing everything, from their home and bank balance to their livelihood and sense of self. It has been a dreadful experience for anyone who has been caught up in it. These are people who have worked all their lives, earnestly and honestly paying into their pension scheme, believing that their retirement was safe, secure and something to look forward to, only for it to become a living nightmare.

I have been trying to get justice for these plumbers for some five years now. I formed the all-party parliamentary group on plumbers’ pensions in an attempt to get this addressed and resolved. Over the years, we have met successive Pensions Ministers, including the current Minister, with colleagues from all parties, we have secured debates in Westminster Hall and on the Floor of the House, and we have brought in a private Member’s Bill from my hon. Friend the Member for Kilmarnock and Loudoun (Alan Brown). We have even facilitated brainstorming sessions involving officials from the DWP, the pension providers, SNIPEF—the Scottish and Northern Ireland Plumbing Employers Federation—and some of the trustees, all without being able to address the fundamental problems associated with section 75 of the 1995 Act. Here we are, years later, with this still unresolved, and some plumbers facing the possibility of ruin for doing exactly nothing wrong.

I appreciate that the Government have addressed this responsibly, and even helpfully. I congratulate and thank them for the easements that have been introduced in the course of the past few years. But there has been no resolution to the central issue, and today there are still plumbers in all our constituencies who will be facing crippling debts and their retirement being made an absolute misery. We know that this is difficult to resolve. We know that the best brains in pensions across the country have looked at it to try to find a solution. My plea to the Minister is that we cannot give up: we cannot simply desert these people who have done absolutely nothing wrong. If we have not found the solution yet, we must keep on looking for it. We will keep on trying to ensure that we do get justice for these people, We cannot leave a certain section of our constituents in such a hellish limbo in being faced with these demanding constraints and pressures.

If I could find a couple of words that would adequately describe section 75 of the Pensions Act 1995, they would be “unintended consequences”. There is nothing wrong with section 75. It is designed to meet a few demands and requirements, and it is actually quite a sensible and elegant inclusion in the Bill, but the unintended consequences for these multi-employer pension schemes have been absolutely and utterly devastating. Since 2005, any employer who has left the scheme or prompted a trigger event is required to pay the section 75 debt. That debt is calculated on a buy-out basis that assumes that the whole scheme has been bought out by an insurance company, but more than that, the accrual value that the insurance companies would put on to it is real testament to that value. They are then required to pay part of the orphan liabilities of past employers who may have become insolvent or left the scheme before 2005 and who did not pay their own section 75 debts. This means that those who remain in the scheme are required to pick up the debt of others who have been able to leave it without that burden being placed on them. Under no circumstances can this be thought to be right.

Some Pensions Ministers—I give credit to the Department, which has looked at this very seriously—have gone the extra mile to try to have this resolved, but I want to mention one of them who was getting to the heart of it—Richard Harrington. Richard did a huge amount of work on this. He worked diligently on it, putting energy, resource and commitment into trying to find a solution. I am pretty certain that if Richard was still in government he would be closer to finding some sort of resolution. I have only had one meeting on this with the current Minister, but I detected an enthusiasm from him to try to get this resolved. I will overlook some of the comments that he made in Committee in response to the excellent speech by my hon. Friend the Member for Gordon (Richard Thomson). I hope that the Minister may take a generous view of some of our amendments, because they are actually very modest amendments that would at least start to improve the situation of those who are facing the biggest liabilities. There are only about 30 of them.

Pension Schemes Bill [Lords]

Aaron Bell Excerpts

2nd reading & 2nd reading: House of Commons & Money resolution & Money resolution: House of Commons & Programme motion & Programme motion: House of Commons
Wednesday 7th October 2020 Commons Chamber

[Aaron Bell (Newcastle-under-Lyme) (Con)]

It is a pleasure to follow the hon. Member for Gordon (Richard Thomson), who made a lot of important points. It is also a pleasure and a novelty for me to speak without a time limit, but I will try not to test the House’s patience too much.

This is a very important Bill that delivers on our manifesto commitments and has consumer welfare at its heart, and I am glad that it largely enjoys cross-party support. I welcome the speeches from around the Chamber. I particularly welcome the fact that colleagues from the 2019 intake are speaking in the debate, and I see that there are another three of them yet to speak. Either we are not as young as we look, or we have taken the advice to heart that it is never too early to start planning for retirement.

As a member of the all-party parliamentary group on pension scams and someone who has a general interest in these matters, I am pleased to speak in favour of the important work that the Government have been undertaking. This important legislation will benefit members of the public and help people to plan for their future. It will have an important impact on people saving into pensions for their retirement and ensure that reckless bosses cannot gamble with people’s savings. It will transform the way that people get information about their retirement savings, and it will empower the Pensions Regulator by making it tougher and making its guidance clearer.

We have come a long way on pensions in the last decade, and particularly on automatic enrolment, which most colleagues welcome, but in some ways, we are still in the 20th century. Some pension schemes still provide once-a-year statements. That might well reflect the view that pensions are a long-term investment, and we do not want people to panic as their value goes up and down week by week, but when those statements are frequently being sent to old addresses, it is a problem. People have an average of 11 jobs throughout their career, and with automatic enrolment, they are now likely to have nearly as many pension pots. We really need to bring this into the digital age. At present, these information failures make it harder for individuals to get a holistic view of the pensions they are building up, even if they have the help of a financial adviser. Control over our pension provision, which is often our largest financial asset, is hugely important, and the pension dashboards will be a huge step forward for consumers.

Just to pick up on something my hon. Friend the Member for West Worcestershire (Harriett Baldwin) said, making charges more visible to everybody would be a huge benefit, because sunlight is often the best disinfectant. It will drive out schemes that are not competitive and push people into better-value schemes. Also, the recent reforms we have made mean that individuals can choose to bear more responsibility for risk and decision making, so it is right that they should have access to the information they need to make those informed choices. That will let them plan better for retirement and enable them to have good financial wellbeing as they get older.

I have heard the concerns from the hon. Member for Airdrie and Shotts (Neil Gray) and others about the dashboards, but I would say to him that I think regulation and legislation in all fields must go where the consumer is. A paragraph from the Which? report of February 2018 on dashboards states:

“It is clear that even if the government was to decide that there should only be a single government-run dashboard, other private sector dashboards would continue to develop outside of the regulated market. These may rely on screen-scraping or other potentially unsecure forms of transmitting customer data. They would even be able to screen-scrape data from the official government-run dashboard. If there were any problems with private sector dashboards then the consumer would have no easy method of obtaining redress, as they would remain outside regulation and outside the remit of the Financial Ombudsman Service”.

I cannot really put it better than that. Private sector dashboards are inevitable. Indeed, there are commercial products out there are already, looking at consolidation and so on. Drawing on my own experience in FinTech, these private sector solutions are likely to be more innovative and more responsive to consumer needs than the Government-driven solution.

[Neil Gray]

I take what the hon. Gentleman says, and I do not disagree. I understand that commercial dashboards are coming; that is not where the dispute is. What I and others across the House are looking for is for the Government to invest in and have a period to allow the Money and Pensions Service dashboard to bed in as the default position for consumers to go to, where they know they can get trusted impartial information about their pensions, and then to allow the commercial dashboards to go from there. That is the very reasonable position that the Lords took, and I think that we should agree to it in Committee. I ask the hon. Member to reflect on that.

[Aaron Bell]

I thank the hon. Gentleman for that intervention, and I ask the Minister to comment on that in his summing up, but I reiterate that we have to go where the consumer is. I understand the point he is making. We need clear supervision and a robust regulatory framework, as provided for in the Bill, and we need a non-commercial service, but we have to be realistic: people are going to go to these services first, and they are already springing up. We cannot be constantly trying to catch up. In this regard, I note the earlier intervention from my hon. Friend the Member for North West Cambridgeshire (Mr Vara), who is not in his place at the moment. These dashboards will encourage consolidation, and that may or may not be a good thing in specific cases, so we must continue to ensure that consumers have access to appropriate advice and that any administration fees are reasonable when consolidation takes place.

Turning to scams, in recent years there has been a significant increase in the number of members of the public being scammed out of their pensions. The FCA and the Pensions Regulator report that in 2018, 180 people reported to Action Fraud that they had been victims, losing on average £82,000 each. A total of nearly £31 million has been reportedly lost to pension scammers since 2017, according to complaints filed with Action Fraud. I therefore welcome the measures in clause 125.

To personalise the scams issue for a moment, a couple of my Newcastle-under-Lyme constituents contacted me about their experience in this area earlier this year. They have had to make very unwelcome changes to their retirement plans as a result. They, together with thousands of others, were convinced by commission-driven sales people to move their money into a scheme called Dolphin Trust, which is now called the German Property Group. The Minister might be aware of the scheme. It was set up to buy derelict listed German buildings in prime locations and redevelop them. In many cases, pension holders who invested were told, by unregulated salesmen who were paid up to 20% commission, that they would almost double their money if they left their savings in the scheme for five years. The scheme was often recommended by independent financial advisers, who advised their clients to invest via a self-invested personal pension.

As the House can imagine, the results were not as advertised. I thank the Treasury for its help with this case so far, but I would welcome further engagement with the Minister when that is possible. My understanding is that this specific case is currently with the Financial Services Compensation Scheme. That is the real human impact of retirement scams on people in my constituency, and I am sure in the constituencies of Members all around the House. I understand that the Government have already taken measures against so-called introducers, but I welcome the measures in clause 125 to strengthen consumer protection. As the Secretary of State put it in her opening speech, we need to have the option of

“prison for pension pot pinchers”.

I want briefly to touch on another couple of the elements of the Bill. I know that postmen and women, in particular, in Newcastle-under-Lyme will welcome the provisions enabling the introduction of collective defined contribution schemes. These have cross-party and industry support, and unions including the Communication Workers Union, as well as Master Trust and other pension providers, have expressed a desire to see more people benefiting from the advantages and risk-sharing that collective defined contribution schemes can bring. I think that that is broadly welcomed across the House. I will also mention the good work being done so that we use our pensions for the good of the planet, and the requirement that the Bill puts on trustees and managers, with a view to securing effective governance over the effects of climate change, and publishing information. That is not being prescriptive; it is about informing and empowering schemes and individuals to make decisions.

In conclusion, I pay tribute to the Minister for his passion for this subject and his willingness to engage with us. I also echo the remarks of the hon. Member for Birmingham, Selly Oak (Steve McCabe) about the Minister’s personal tragedy earlier this year. The sympathy of the whole House is with him.

Oral Answers to Questions

Aaron Bell Excerpts

Monday 11th May 2020 Commons Chamber

[Dominic Raab]

And the Foreign Office has got a grip of the problem as well. I take the hon. Gentleman’s point. We have been stretched, and I think that that is the case for countries around the world. I talk to Foreign Ministers every day and every week, and we have had a shared challenge—but particularly with a great travelling nation like the United Kingdom. At the same time, working with those countries and with the airlines, we have returned 1.3 million Brits from abroad on commercial flights. We have now returned over 30,000 people on the charter flights that we have arranged. We have also got all those who were travelling on cruise ships back. The consular team at the Foreign Office and our networks around the world deserve great praise, but we take nothing for granted and are not complacent for a moment. We will keep up those efforts, with all the other scheduled flights and charter flights that we are looking into in order to return other stranded nationals.

[Aaron Bell (Newcastle-under-Lyme) (Con)]

What diplomatic steps the Government are taking to support the development of a covid-19 vaccine (a) in the UK and (b) throughout the world.

[David Morris (Morecambe and Lunesdale) (Con)]

What diplomatic steps the Government are taking to support the development of a covid-19 vaccine (a) in the UK and (b) throughout the world.

[The Secretary of State for Foreign and Commonwealth Affairs and First Secretary of State (Dominic Raab)]

The UK is playing a leading role in supporting global research and development efforts to find a vaccine, with vaccine trials commenced in this country, and the UK leading internationally to find and distribute vaccines abroad.

[Aaron Bell [V]]

The Prime Minister acknowledged that, although there is an international race to find a vaccine, it is not a competition, and a breakthrough could come anywhere around the world, although one of the first likely candidates is the Oxford project. If the project is successful, that vaccine will be manufactured by a consortium including Cobra Biologics in my constituency of Newcastle-under-Lyme, but I know that it is keen to produce enough not just for the UK, but to send around the world, especially to the many countries with no manufacturing capacity of their own. Could my right hon. Friend reassure me that we are coming to reciprocal understandings with other nations around the world to ensure that any vaccine, wherever it is produced, both reaches the UK swiftly and is made available on an international basis as soon as possible?

[Dominic Raab]

My hon. Friend is absolutely right. We want to spearhead the pursuit of a vaccine through the research that has been conducted in this country—and, if possible, manufacture it at the kind of scale that would deal not just with UK needs, but with those more broadly. Through the contributions that we are making to the Coronavirus Global Response Initiative, to CEPI and to the Gavi funding calls, we are the leading donor in the latest call for donations to ensure not only that we can provide vaccines for UK nationals here at home, but that those vaccines can be expanded, particularly to the most vulnerable countries abroad.