Iran and Israel

Baroness Ritchie of Downpatrick Excerpts

Monday 15th April 2024 Lords Chamber

[Lord True (Con)]

Yes, I will do so. On my noble friend’s initial point about proscription, I did tell the House that the IRGC is sanctioned in its entirety. Also, if he looks at Hansard, he will see that I did say words about the consideration that is being given in international fora as to what further action might or might not be taken.

On UK universities, it is true that it appears that there has been co-operation on drone technology. My noble friend is right to say that the UK Government launched an investigation into such allegations. No universities were singled out when the investigation was announced.

We will not accept collaborations that compromise our national security. We have made our systems more robust, expanded the scope of the academic technology approval scheme to protect research from ever-changing global threats and refused applications where we have had concerns. We look at all allegations of suspected breaches of our sanctions policy. Under the new UAV trade prohibitions, it is illegal for a UK business, UK national or anyone in the UK not just to export UAVs and their components but to provide technical assistance, financial services, funds and brokering services. So I give my noble friend the assurance that this matter is being taken very seriously indeed.

[Baroness Ritchie of Downpatrick (Lab)]

My Lords, while the Government are absolutely right to condemn the attack on Israel by Iran and to place their emphasis on avoiding escalation of the conflict, I noted that the Lord Privy Seal referred to intensifying diplomatic efforts and that the Governments of Belgium, France and Germany summoned Iranian ambassadors to their places of work, so to speak. I therefore ask the Lord Privy Seal what consideration has been given by the UK Government to having immediate discussions with the Iranian ambassador in the UK to de-escalate tensions and get back to a situation in which we can forge peace, prosperity and an end to violence, particularly in Gaza. There is need for access of aid to the people there and, above all, to end all forms of conflict.

[Lord True (Con)]

My Lords, the Foreign Secretary spoke yesterday to both the Israeli and Iranian Foreign Secretaries. He expressed to both the United Kingdom’s continuing support for Israel and condemnation of the Iranian attack. The UK Government have already summoned the chargé d’affaires of the Iranian embassy to the Foreign Office to make it clear to the Iranian authorities that they must take meaningful action to halt their reckless behaviour. They have been left in no doubt as to where we stand.

Northern Ireland Protocol

Baroness Ritchie of Downpatrick Excerpts

Tuesday 28th February 2023 Lords Chamber

[Lord True (Con)]

My Lords, on the last point, as the noble Lord has set out, clearly the initiative comes from the request, which is consonant with the existing petitioning system that action should be taken and then that matter discussed in the joint committee between the two Governments. It would be the British Government who would operate the veto, but that would be a very open process. Obviously, I cannot commit future British Governments, but one would expect that, in those circumstances, the British Government would give the very greatest weight to the points that have been put forward by the Stormont Assembly.

As for as the range of EU law, I will have to write to the noble Lord on the specific number of instruments, but, as the Prime Minister set out very clearly, about 1,700 pages of EU law will be removed. The Statement was absolutely honest that about 3% of EU law provisions will remain in relation to goods and the matters covered by the protocol, but I submit that some of them, for instance, relate to the single electricity market on the island of Ireland. These are matters where Northern Ireland itself gains a great deal from being within the all-Ireland and wider single market, and Northern Ireland businesses have argued for it. I must repeat that we are talking about 3% here, as against 97% removed.

It was very kind of the noble Lord to speak kindly of me, and I have equal respect for him. I urge him and his colleagues to reflect and think carefully in the future, and realise that there may be some aspects where it may be to the advantage of all the people of Northern Ireland for that 3% to stay. But on the other areas, the Statement is absolutely clear, and this is an important treaty change—I repeat, a treaty change—that what will apply to so much in this framework now is not EU law but international law governed by the Vienna convention.

[Baroness Ritchie of Downpatrick (Lab)]

My Lords, I thank the Leader of the House for the Statement. I welcome the progress made in the Windsor Framework because it will lead to a reduction in Brexit friction and lead the way forward for those in Northern Ireland who are interested in consensus and prosperity. Does he agree that there should now be a restoration of the political institutions in Northern Ireland, notwithstanding the concerns around the Stormont brake? We should also consider the fact that 56% of the people of Northern Ireland voted to remain in the European Union and support the protocol because of its provisions on dual access. Can he provide the House with an assurance that dual access to both markets, which is required by businesses in Northern Ireland, will continue? Further, can he provide clarification in relation to the Stormont brake? Who will trigger the process, what will that process contain, and what will constitute the need for such a triggering of the process?

[Lord True (Con)]

My Lords, as set out in the Statement, I say that the brake will come from the Assembly and, as with the petition, from 30 MLAs; however, it will have to come from more than one party, as in the current arrangements. Obviously, the intention of the framework is not to deny Northern Ireland access to the market in the rest of the island of Ireland. Indeed, for some industries, there is great dependency on trade across the border; that is inherent in the small part of the trade and co-operation agreement that I was discussing with the noble Earl, Lord Kinnoull. We hope that openness to the Republic of Ireland in respect of the market and trade in it will be preserved in this agreement; however, the fundamental point is that the agreement also addresses our UK internal market and strips down unacceptable barriers to east-west trade, which have rightly caused concern and regret in Northern Ireland.

Elections Bill

Baroness Ritchie of Downpatrick Excerpts

Lords Hansard - Part 1 & Committee stage
Monday 28th March 2022 Lords Chamber

[Baroness Suttie (LD)]

My Lords, I also pass on my best wishes to the noble Lord, Lord True, for a speedy recovery. Having had it myself fairly recently, I can say that it is a horrible illness.

I want to move on to the question of Northern Ireland and speak in favour of Amendment 156 in my name, which the noble Baroness, Lady Ritchie of Downpatrick, has signed. It would ensure that EU citizens lawfully resident in Northern Ireland can continue to stand for election and vote in Northern Ireland district elections after the end of the Brexit transition period. It is primarily a probing amendment, however.

In the EU-UK withdrawal agreement, the UK Government committed, under Article 2.1 of the Northern Ireland protocol, to ensuring that certain equalities and human rights in Northern Ireland would continue to be protected after Brexit. Does the Minister—I appreciate that he is filling in at rather late notice—agree with the assessment of the Northern Ireland Human Rights Commission and the Equality Commission for Northern Ireland that the Bill as it stands risks stepping back from those commitments and may in fact be in breach of the UK’s obligations under Article 2.1 of the protocol? Will he undertake to set out, either in response to this amendment or in writing following this debate, the Government’s assessment of the relevant provisions of the Elections Bill in the context of their conformity with our commitments under Article 2.1 of the Northern Ireland protocol?

[Baroness Ritchie of Downpatrick (Lab)]

My Lords, I am delighted to follow the noble Baroness, Lady Suttie, in support of Amendment 156. I also pass on my good wishes to the noble Lord, Lord True, for a speedy recovery. I agree with the thrust of the amendments in this group; as a democrat, I believe in a fully functioning democracy in which all residents are allowed to register to vote, exercise their mandate at elections and be candidates in elections. That is what a functioning democracy is about. Universal franchise is vital in a liberal democracy and should be one of the hallmarks of the UK—free, fair and unencumbered elections.

Amendment 156, in my name and that of the noble Baroness, Lady Suttie, deals with that specific Northern Ireland situation. It is a probing amendment. We seek to delete paragraphs 7 to 9 from Schedule 8, which would ensure that all EU citizens lawfully resident in Northern Ireland continue to be able to stand as candidates and vote in district council elections in Northern Ireland.

I was a councillor in Northern Ireland for many years, as was the noble Lord, Lord Dodds, across the Chamber. We valued our time in local government as a learning curve. Many of those who participated in those elections and many new residents in Northern Ireland would also value that participatory part of democracy, in voting in district council elections and having the ability to be a candidate. I can think of a colleague in Derry and Strabane District Council, who is originally from Kenya, and is now a serving councillor.

This section does not apply to British and Irish citizens; it applies to EU citizens who have arrived to reside in Northern Ireland since January 2021 and whose country does not have a reciprocal agreement with the UK. I remind your Lordships, and particularly the Minister, that this is in some ways reminiscent of the “I” voter situation in Northern Ireland, which was removed by the Elected Authorities (Northern Ireland) Act 1989, when everybody in Northern Ireland was granted universal franchise. I remind the Minister that elections and the right to exercise one’s franchise are very emotive issues in Northern Ireland. Please do not go down this road and create further problems with other EU nationalities and create barriers on the island of Ireland. It is highly important that that does not happen, because this is an emotive and politically charged issue, as it deals with EU citizens and excludes them; it could be perceived as a discriminatory provision.

The noble Baroness, Lady Suttie, referred to the equality and human rights commissions in Northern Ireland, which are concerned that this provision of the Elections Bill could contravene Article 2 of the Ireland/Northern Ireland protocol, which states that there must be

“no diminution of rights, safeguards or equality of opportunity”

provisions, as set out in the Good Friday agreement, resulting from the UK’s withdrawal from the EU. It could be perceived that this provision, within paragraphs 7 to 9 of Schedule 8 to the Bill, could contravene those rights under Article 2 of the protocol. If passed into law, this provision would create two new types of EU citizenship for the purposes of UK elections law—a qualifying EU citizen and an EU citizen with retained rights—in addition to the EU citizens who do not fall into either of these categories.

The right of EU citizens to vote in local district council elections in Northern Ireland was underpinned by EU law until the end of the transition period. I declare an interest as a member of the Protocol on Ireland/Northern Ireland Sub-Committee in your Lordships’ House. We have engaged with Minister Burns, a Minister for the Northern Ireland Office in the other place, on this issue and we have received a response. An identical response was received by the equality and human rights commissions.

In my humble view, so far in those responses the Government have still not set out in full their assessment of the relevant provisions of the Bill in terms of compliance with Article 2. Will the Minister do that today? If that is not possible, will he write? It is most important that that is done to satisfy the concerns of both commissions.

Further, will the Minister and his colleagues commit to meet both commissions in Northern Ireland, either via the Cabinet or the Northern Ireland Office, to discuss Article 2 provisions under the Ireland/Northern Ireland protocol and how this contravention and these issues can be addressed to ensure that there is a full, participatory democracy that excludes nobody and includes all?

Living with Covid-19

Baroness Ritchie of Downpatrick Excerpts

Tuesday 22nd February 2022 Lords Chamber

[Baroness Ritchie of Downpatrick (Lab)]

My Lords, access to free testing with lateral flow tests ensured that many of those who cannot afford to pay for tests were able to take them and to help prevent the transmission of highly transmissible variants. Will the Leader therefore tell the Prime Minister from your Lordships’ House today that we want the free lateral flow tests to remain for a considerable time longer to ensure that the Government have the necessary contingency capabilities to respond rapidly to any new variant, as outlined in the Government’s Statement in the other place yesterday? We know that unless other countries have the capacity to deal with variants, we are all in a state of danger.

[Baroness Evans of Bowes Park (Con)]

As I mentioned in response to a previous question, we are giving notice that free lateral flow tests will come to an end at the end of March. But, as I also said in an earlier answer, we will retain laboratory networks and diagnostic capabilities to ensure that PCR testing can be stood up in the event of a resurgence or a dangerous new variant.

Health and Social Care

Baroness Ritchie of Downpatrick Excerpts

Thursday 9th September 2021 Lords Chamber

[Baroness Evans of Bowes Park (Con)]

I do not believe so, no. As we have said, the levy will be shared between individuals and business. The largest 1% of firms will pay around 70% of the total business contributions, with the smallest 40% paying nothing extra.

[Baroness Ritchie of Downpatrick (Non-Afl)]

My Lords, in Northern Ireland the money given directly through Barnett consequentials normally goes into the central pot in the Department of Finance. There is money with this new health and social care tax because it is a UK-wide tax, so what guarantees can the Minister give your Lordships’ House that the money allocated to Northern Ireland will go directly to the health and social care budget?

[Baroness Evans of Bowes Park (Con)]

That is exactly what we intend to happen. In fact, Scotland, Wales and Northern Ireland will benefit from around 15% more than is generated for their residents, which will be equivalent to around £300 million every year on average. As a total, Scotland, Wales and Northern Ireland will benefit from an additional £2.2 billion each year on average. We intend to put the money directly into the health services across the nations, as the noble Baroness said.

Afghanistan

Baroness Ritchie of Downpatrick Excerpts

Wednesday 18th August 2021 Lords Chamber

[Baroness Ritchie of Downpatrick (Non-Afl) [V]]

My Lords, as events in Afghanistan unfolded on our TV screens, my immediate thoughts were with the plight and circumstances of the ordinary Afghani population—particularly those to whom the UK owes a direct duty of care—and the ongoing and worsening humanitarian situation.

Obviously, in addition to our immediate humanitarian concerns, this crisis also calls into question, fundamentally, the future role of the international community and leaders in the UK and US. It is, therefore, nothing short of incredible that, if the end of the conflict was so predictable to the US and UK, with a probable dénouement at Kabul international airport, the western allies have allowed this predictable outcome to descend into the chaotic, embarrassing and shameful ending it has become. Despite all the military analysts, planners and strategists, there appears to have been no real preparation or planning—but then that might have interfered with some people’s holidays.

We can return to the abject failure of the West and the profound foreign policy implications for the UK at a later date, but the real question now is: what do the UK Government and their allies do? What do we all do? The answer must be for us to really step up and grip the humanitarian crisis through direct involvement that is determined and compassionate.

That means, first, helping everyone who wishes to leave Afghanistan, as many noble Lords have said, and providing generously for their relocation, even working with the Taliban or through interlocutors. The UK must take a proportionate share of refugees—I note the plan announced last night—and those displaced, and provide a new start for them. London must work closely with the devolved Administrations in this regard.

Secondly, we must be prepared to give strong financial and other support to the international agencies and NGOs still operating within Afghanistan. We must shoulder our fair share of the effort of the international community.

Thirdly, we should be preparing now to assist with food aid and other help in the event of the expected famine.

Finally, along with other states, we must halt deportations of failed asylum seekers from Afghanistan and ensure broader access to asylum procedures. And, as the noble Baroness, Lady Amos, has already said, we must have a realistic overseas aid budget, which is currently too low and needs to be increased.

House of Lords: Remote Participation and Hybrid Sittings

Baroness Ritchie of Downpatrick Excerpts

Thursday 20th May 2021 Lords Chamber

[Baroness Ritchie of Downpatrick (Non-Afl) [V]]

My Lords, it is a pleasure to follow the noble Lord, Lord Roberts, and I welcome the opportunity to participate in this important debate. It is not only reviewing the operation of hybrid proceedings in the House of Lords but pinpointing a way forward for now and into the future about how we conduct our business, and informing the Procedure and Privileges Committee in designing how we do our business in this pandemic and the post-pandemic phase.

Listening today to some noble Lords, you would think that most of us are occupying a parallel universe, because there is a dichotomy. Noble Lords, quite rightly, feel aggrieved that they are no longer able to participate in what they once were able to participate in. Then there are others who characterise the situation as per the pandemic; namely, supporting hybrid proceedings or a variation of them.

I come to this debate as a former Member of the other place, where debate was always present, but we did not have a pandemic. I came into your Lordships’ House in November 2019. There was then a general election and we took our seats again in December 2019. I have been unable to come from Northern Ireland since the middle of March last year because of travel restrictions. However, that has not prevented me participating in the proceedings of the House in the Chamber, in Grand Committee and on two select or scrutiny committees. I firmly believe that the constitutional purpose of the House is to scrutinise, legislate and debate. We have been able to do those things, albeit in a very straitened way.

I agree with Members that we have probably lost the physical presence of the House because of the nature of this pandemic—that necessary spontaneity and nuance, the nod and the body language of Members, which are always important in fuelling the direction of the debate and informing the Government and the Opposition of the way things are going. Notwithstanding that, we have been in the middle of a pandemic in which many thousands of people have lost their lives. We have to reflect that. We also have to reflect that, outside our Parliament, many businesses will be adopting some of the methods of at-home working, remote working and office working. We have to reflect that as well.

I am very much in agreement with the first report of the Constitution Committee into Covid-19 and Parliament, which I believe has contributed to understanding not only the challenges faced by Members and staff but the needs of the new normal as we continue our work of investigation, scrutiny and holding the Government to account. In this new normal, and this review, we should retain the PeerHub and that measure of remote voting—albeit on the parliamentary estate. We should retain virtual proceedings on Microsoft Teams for scrutiny committees because it has enabled witnesses from near and far to provide very detailed evidence, thus enabling us to carry out our scrutiny and investigative function.

I cannot support the Motion in the name of the noble Lord, Lord Cormack. I fully respect that he comes to this with a high degree of knowledge and experience from both Houses, but we have to be cognisant of the fact that we have been through a pandemic and that dictates that we must keep our staff, ourselves and the wider community safe on the parliamentary estate.

Covid-19 Update

Baroness Ritchie of Downpatrick Excerpts

Thursday 13th May 2021 Lords Chamber

[Baroness Evans of Bowes Park (Con)]

I can certainly reassure my noble friend that we will prioritise, and are prioritising, recovery in NHS services to bring down waiting times and deliver the care that people need. As I have already said, this includes £1 billion to tackle waiting lists by providing up to 1 million extra checks, scans and additional operations. This is a priority and one we are working closely with the NHS to deliver.

[Baroness Ritchie of Downpatrick (Non-Afl) [V]]

Can the Leader of the House confirm the nature of the discussions with the devolved Administrations? Will their leaders be equal or secondary partners in driving this inquiry to get at the truth and to prepare for future pandemics?

[Baroness Evans of Bowes Park (Con)]

As I have said, my right honourable friend the Chancellor of the Duchy of Lancaster has been talking to the First Ministers about this, and those discussions will continue.

His Royal Highness The Prince Philip, Duke of Edinburgh

Baroness Ritchie of Downpatrick Excerpts

Monday 12th April 2021 Lords Chamber

[Baroness Ritchie of Downpatrick (Non-Afl) [V]]

My Lords, my sympathies and condolences are with Queen Elizabeth, her family, friends and the many associates of her late husband the Duke. Bereavement is immensely difficult at any time, but more so now as it is compounded by the Covid restrictions and lockdowns.

I will look at the life of Prince Philip from a Northern Ireland/Ireland perspective. There is a reference in the Motion to the world-renowned Duke of Edinburgh’s Awards, which recognise youth endeavour, enterprise and outdoor recreational achievement. They are all about building the character and strength of young people. In Northern Ireland, many young people right across the community have benefited from that growing-up experience through this scheme. There are 401 active Duke of Edinburgh centres from 24 licensed organisations. Young people are currently taking part right across our divided community, through schools, churches, Boys’ Brigade companies, Girls’ Brigade companies, Ulster GAA, Scouts, Féile an Phobail, the probation board and the Young Farmers’ Clubs of Ulster. This is a representative proportion of the reach of these awards in Northern Ireland. It is worth noting that 6,018 young people started their programme in 2020 and 3,277 awards were achieved.

Up until 2017, Prince Philip used to come to Hillsborough to present these awards. There is also direct collaboration with the President of Ireland’s awards for young achievement and steadfast commitment to outdoor recreational participation, known as Gaisce, which was negotiated between President McAleese and Prince Philip some years ago.

For me, the most memorable event involving the Prince and the Queen was their official visitation to Ireland in May 2012, when they visited the Garden of Remembrance, dedicated to those who fought for Irish freedom, Croke Park, Islandbridge memorial, and then attended the dinner in Dublin Castle. I participated, as a party leader in Northern Ireland, in many of these events. This was a symbolic visit to many sites representing Ireland’s independence from Britain, but I have to say that both the Queen and Prince Philip fully participated in these visits, thus showing the duality of relationships, the necessity of parity of esteem, and a maturing of relationships between Britain and Ireland. Then there was the reciprocal visit by President Higgins to London—to Buckingham Palace and to Westminster itself in 2014.

It is worthy of note that the Taoiseach, Micheál Martin, said last week on the passing of the Duke of Edinburgh:

“The commitment of the royal family to Irish-British relations is an important part of the work we do together—and today we pay tribute to Prince Philip’s own important contribution”,


no doubt referring to that duality of relationships and building blocks of reconciliation through the awards scheme, and also that particular visit, among other things. I concur with that view. Those building blocks for reconciliation and parity of esteem that were demonstrated by the Queen and Prince Philip with President McAleese and, latterly, President Higgins, are required now more ever with the background of increased community and political tensions in Northern Ireland.

Working with the Heads of State in Ireland, the Queen and Prince Philip demonstrated that we have a common history and shared experiences of historic conflict, both on the island of Ireland and between these islands—including where the Prince’s family were deeply affected, through the murder of his uncle, Lord Mountbatten. The sad departure of Prince Philip after a long and fulfilling life should be, for us, a renewed opportunity to build relationships and promote reconciliation, thus sustaining that new bond of shared endeavour across Britain and Ireland.

[The Deputy Speaker (Lord Haskel) (Lab)]

The noble Earl, Lord Shrewsbury, has withdrawn, so I call the noble Viscount, Lord Thurso.

Financial Services Bill

Baroness Ritchie of Downpatrick Excerpts

Committee stage
Monday 8th March 2021 Grand Committee

[Baroness McIntosh of Pickering (Con) [V]]

My Lords, this group of amendments has an underlying theme of identifying the need for greater consumer protection in this area. I support the noble Lords, Lord Tunnicliffe and Lord Eatwell, in the aims of the much-needed—it would appear—Amendment 79. If he is minded to say that there is no need for such an amendment, could the Minister, in responding to this debate, point to the consumer protection regulations for those using buy now, pay later services? Many of us have seen how the level of personal and household indebtedness has greatly increased due to the lack of regulation in the area identified by Amendment 79.

I will turn to Amendment 101 before coming back to the others. I entirely support the thrust of this amendment in the name of the noble Lord, Lord Stevenson of Balmacara, supported by my noble friend Lord Holmes of Richmond. It seems extraordinary that when consumer protections apply to hire purchase of a vehicle, they do not apply to the circumstances that have been set out and so eloquently identified by the noble Lord, Lord Stevenson, so the time has come for these two Victorian statutes to be replaced. I would like the Minister to give a very good reason why this could not happen and why we cannot simply rely on hire purchase schemes, which give greater protections to the owner and the existing user of a vehicle, for this form of purchase.

Amendments 92 and 93 from the noble Baroness, Lady Kramer and Amendment 136C from my noble friend Lord Holmes identify the need for access to cash. I find cashless societies highly regrettable, particularly for elderly and other vulnerable people; I know there are some in Europe; Sweden is well down this path and Denmark is going down it. On continuing access to cash, the noble Baroness, Lady Kramer, has set out, and my noble friend Lord Holmes set out in his Amendment 136C, why it is extremely important to have proper protections in these areas.

My noble friend Lord Holmes pointed out the role of cash in Covid and why it goes to the heart of financial inclusion. Without wishing to put words in his mouth, I will take his thoughts one step further: I am deeply concerned that the Government propose that the amount available in a contactless transaction will imminently be increased to a maximum of £100. This will possibly enable many people to lose control of their finances, and it will open the door to greater fraud, even where a debit or credit card has not left your possession.

I have been the victim of such fraud. I am delighted to say that the credit card company I was with at the time reimbursed me almost immediately for the loss. What that means is that we are all paying for that loss as credit card or debit card users. The existing limit of £45 is right at the moment; I would hesitate to increase it to £100. I do not know whether there is a bottomless pit for endless frauds or what it means if the limit goes up to £100 on a contactless transaction. Are there limitless reserves? Who pays for the fraud in this regard?

In Amendment 136F, the noble Baroness, Lady Meacher, has identified an area that is timely for review: the regulation of bailiffs and bailiff firms for the purpose of taking control of goods. I would be delighted to hear from the Minister that, even if the Government are not minded to accept this amendment, he will come forward with similar provisions as set out therein and recognise that there is a need for this to take place.

On Amendment 135 in the name of my noble friend Lord Leigh, I think all of us say, “There but for the grace of God go I”. Identity theft is a compelling crime. He set out some modest requirements that the Government would do well to follow.

I find that the amendments in this group have an underlying theme of the need for greater consumer protection. Although they are disparate in what they seek to achieve, each of them has merits to commend it. I very much look forward to hearing the Minister’s response to the excellent case that has been made for each amendment in this group.

[Baroness Ritchie of Downpatrick (Non-Afl) [V]]

My Lords, it is always a pleasure to follow the noble Baroness, Lady McIntosh of Pickering.

I wish to speak in support of Amendment 79 in the names of the noble Lords, Lord Eatwell and Lord Tunnicliffe. It seeks to protect people from buy now, pay later firms that, in many instances, financially abuse people. It is important that people who find themselves in this position are financially protected. In many ways, the amendments in this group seek to do what the noble Baroness said: they are all about consumer protection.

In his introduction, the noble Lord, Lord Tunnicliffe, referred to the Woolard review, part of which clearly states the need for customer harm to be minimised and to come under the purview of the Financial Conduct Authority. From doing some background reading, I thought I learned that the Government were receptive to the review’s findings. In this regard, I wonder whether the Government, through the Minister, will bring forward on Report amendments to deal with this issue if they are not prepared to accept Amendment 79 today. However, it may be that they will accept it in view of their acceptance of the Woolard review.

At Second Reading, I highlighted this area and asked whether the Government would bring forward in Committee amendments to ensure that buy now, pay later credit services are brought into the scope of the Financial Conduct Authority to protect people from spending more than they can afford. Indeed, many people in this net take out further debt to repay initial credit, then end up with their debt spiralling out of control.