Mobile Homes (Pitch Fees) Bill

Baroness Berridge Excerpts

2nd reading
Friday 3rd February 2023 Lords Chamber

[Baroness Berridge (Con)]

My Lords, I am grateful to my noble friend Lord Udny-Lister for introducing this small but important Bill, and hope to hear that His Majesty’s Government will support it. It is a shame, however, that during the cost of living crisis England has been behind Wales in making this change for these residents. Most of these mobile or park home sites restrict occupants, within their site rules, to those over the age of 55, many of whom are on a fixed income. The difference between RPI and CPI last November was nearly 3%, so this is not an insubstantial saving for those whose only income may be the state pension or pension credit.

It might seem odd to have primary legislation so intimately involved in what looks like it could or should have been a matter of contract. Although many of these park home sites are well run, sadly, some are owned by criminal fraternities, causing much worry to those who reside on the site and keeping many an MP and council busy trying to sort out the licence holder’s compliance.

When I was Minister for Women and the Government were introducing the domestic abuse offence, including financial coercion, one odd benefit of park homes came to my attention. As these homes are chattels and not an interest in land, you cannot raise a mortgage against them. This is very useful if you have been in a controlling and coercive relationship, where the abuser often gets into debt. Often the means of paying those debts in a coercive relationship, once couples retire and do not have an income, is to empty the asset—the family home—of its equity, with the partner coerced into signatures on such mortgage charges. However, if they have traded down to a park home, the abused partner now has a secure residence and asset, as you cannot borrow against them. It is a happy quirk of this unusual form of home ownership that I thought it would be good to spend a few moments on a Friday putting on the record.

I thank His Majesty’s Government for persevering with this often vexed form of home ownership and hope that they will support the Bill.