Business and Planning Bill

Baroness Kramer Excerpts

2nd reading & 2nd reading (Hansard) & 2nd reading (Hansard): House of Lords
Monday 6th July 2020 Lords Chamber

[Baroness Kramer (LD) [V]]

My Lords, I will address a range of issues, all of them quite quickly. First, Section 78 of the Coronavirus Act 2020 failed to include Transport for London and at least some development agencies in its definition of local authorities. It has left these bodies with a legal minefield as they act through virtual decision meetings, and it is seriously complicating economic recovery. It should all be in scope of the Bill, so will the Minister use the Bill to correct what I assume was very much an oversight?

Secondly, so many firms I have talked to are afraid that, as they bring back their workforce and customers following government guidelines, they will still be sued if an employee or customer catches Covid. They have no faith in insurance policies after the fiasco with business interruption insurance, and they do not understand why the Government have not offered indemnity to employers who follow the guidelines. Will the Minister please respond to this issue?

Thirdly, civil society groups like Protect and WhistleblowersUK are being inundated with phone calls from employees who have witnessed furlough fraud or the bending of safety rules, and all of this will increase as more businesses open. HMRC has set a terrible precedent in closing its fraud phone hotline and telling people to do online reporting—which of course they do not because they do not trust it, and because the forms demand so much disclosure. Will the Minister guarantee today that the HSE will keep manning its safety reporting hotline so that we can be absolutely on top of any abuse?

Lastly, the Minister referred to bounce-back loans, and I join him in being delighted that over £30 billion has been loaned to companies under the scheme. However, he will know that very many of those who have applied have been turned down, not because they are unsuitable but because the banks who have dominated these loans have no wish to add to their balance sheets. The banks have chosen not to on-lend cheap money from the term-lending facility they have with the Bank of England to enable more diverse and other players to engage extensively in the bounce-back scheme.

The British Business Bank has been rapidly trying to accredit diverse organisations to participate in lending under the bounce-back scheme, but it is slow going. Will the Minister make sure that for the future we have a structure in place that means that, when a programme and scheme like this is being put forward, it does not put the banks, frankly, in the catbird seat and enable them to do what they have been doing, which is cherry picking the customers who get these loans and leaving a very large number, particularly of small companies, in significant difficulty?