Closure of High Street Services: Rural Areas

Ben Maguire Excerpts

Wednesday 5th February 2025 Westminster Hall

[Torcuil Crichton]

I do. I mentioned that the building in which in the main post office—the Crown office—in Stornoway is housed in is beautiful and over a century old. Although I understand that the Stornoway post office may itself be retained, it may be converted into a franchise and moved elsewhere. That would have a detrimental effect on the town centre. The post office is right smack in the middle of town and easily accessible. It is, ironically, next to a closed TSB bank branch—the hon. Member for Caithness, Sutherland and Easter Ross highlighted the problems of banks closing across the United Kingdom.

[Ben Maguire (North Cornwall) (LD)]

I am delighted that Bodmin in my constituency recently got a banking hub, but other towns like Wadebridge that are an 8 mile, £20 taxi ride away do not have one. Does the hon. Member agree that we could think about mobile banking hubs that would go out to rural areas such as those in his constituency and mine?

[Torcuil Crichton]

We are lucky that we have retained a mobile banking service in the highlands and islands, with the bank van a familiar sight in villages throughout the islands and parts of the highlands, but a central post office in any town in a rural constituency is vital for businesses to deposit their cash as well as for cruise ship tourists and islanders and town dwellers to exchange their currency. I am concerned that the downgrading of Stornoway’s directly managed branch to a franchise counter would leave many of my constituents disadvantaged.

The Crown post office provides services such as currency exchange, banking services and passport services that many franchised post offices do not. To go to another Crown office or to find bureaus elsewhere would involve an hour-long bus journey, which would be preceded by a three-hour ferry journey, because the nearest branch would be on the mainland somewhere near the constituency of the hon. Member for Caithness, Sutherland and Easter Ross. The limited services offered by a franchised post office would not be adequate for my town or any other, because, as I understand it, there is no requirement for them to accommodate the full spectrum of post office services that directly managed branches currently offer.

Concerned MPs have met Post Office executives and highlighted their concerns to the Minister. I hope that the Post Office and the Government take into account rurality and the unique circumstances of island constituencies when considering the future of post offices and the rural high street.

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[James Naish (Rushcliffe) (Lab)]

It is a pleasure to serve under your chairmanship, Ms Furniss. I am grateful to the hon. Member for Caithness, Sutherland and Easter Ross (Jamie Stone) for bringing this debate to Westminster Hall today. I am proud to represent the constituency of Rushcliffe, which includes large swathes of rural Nottinghamshire. From Cotgrave to East Leake, rural communities across my constituency are facing ongoing challenges, as the services that many residents rely on are slowly disappearing. Banks, post offices, pharmacies and even pubs, once the lifeblood of villages and towns, are shutting their doors, leaving many residents increasingly isolated and without the essential services they need.

For me, and I think many hon. Members present, this issue is not just about convenience. As has been described, it is about social cohesion, economic sustainability and the fundamental right of rural residents to access the same level of services as their urban counterparts. If we are to ensure that our rural communities are thriving rather than declining, we must take action to address the concerning trends that we have witnessed over the past decade.

The statistics paint a worrying picture. Between 2015 and 2023, more than 6,000 bank branches closed across the UK, with rural areas hit hardest. We have talked about post offices, which often serve as a replacement for lost banking services, but they are also under immense pressure: in 2000, the UK had more than 17,500 post offices; today, that number has fallen to 11,500.

Also key are pharmacies, which I do not believe have been mentioned yet. They too are vanishing from our communities. The National Pharmacy Association warns that closures are accelerating, leaving many rural residents, especially elderly and disabled individuals, without easy access to prescriptions and essential healthcare advice.

[Ben Maguire]

Bodmin, in my rural constituency of North Cornwall, has lost almost all its pharmacies; it has one on the high street. The Cornwall health and wellbeing board has stipulated that no two pharmacies can be within 1 mile of each other, meaning that any future pharmacies will have to be at least 1 mile out of town. Does the hon. Member agree that that rule is not helpful to our high streets, and certainly not helpful to our residents in rural areas, who struggle to get to pharmacies?

[James Naish]

I absolutely agree. I am strong supporter of the Pharmacy First initiative, and it is essential that as a Government we look at ways to expand that scheme, so that more and more people use their pharmacies and the pharmacies are therefore more sustainable.

On average, 29 pubs close every week in the UK, and in many cases there is no alternative place for our communities to gather. We need urgent action to reverse this decline, and in my view Government support is critical.

I welcome initiatives around banking hubs, but we also need to press our banks harder to ensure that they fulfil their moral obligations to our communities. I welcome the high street auction initiatives, which allow vacant properties to be brought back into use. It is vital that we unshackle funding to empower local councils and decision makers to support their areas. I also encourage the Government to accelerate business rates reform, which I know we are committed to.

We must ensure that rural communities have the same access to essential services as urban centres. I look forward to hearing from the Minister about how we can all work together to safeguard vital community assets and keep our rural high streets alive.

Budget Resolutions

Ben Maguire Excerpts

Wednesday 6th November 2024 Commons Chamber

[Dan Carden (Liverpool Walton) (Lab)]

What a privilege it is to follow so many accomplished and particularly moving maiden speeches. I start by congratulating my right hon. Friend the Chancellor on her first Budget. It shows the first steps of this new Labour Government as the work of change really begins. I hope that it will mark a turning point from decline to investment, from instability to security and from self-interest to public service. The choices made in the Budget certainly turn the page on the last 14 years. They begin to restore our public services and improve the rights and rewards of low and middle-income earners.

In the short time that I have, I want to touch on three areas of particular concern to my constituents. First, I welcome the £25 billion-plus of investment to get our national health service back on its feet, cut waiting times and deliver 40,000 extra elective appointments a week. That move will give real hope to people worrying about their healthcare. It recognises our NHS staff across the service, such as those at Aintree university hospital in my constituency and in specialist facilities like the Walton centre.

[Ben Maguire (North Cornwall) (LD)]

Will the hon. Member give way?

[Dan Carden]

I will not. I also welcome the intention to shift the focus to prevention in healthcare. My constituency is one of the most deprived in the UK, and far too many suffer the health impacts of poverty, addiction and despair. I hope to work with the Government to address those long-term public health crises.

Next, and crucially, the Budget delivers some long overdue justice and fairness for those who have been failed by the state. It will transfer the investment reserve fund in the mineworkers’ pension scheme to its members, and will fund compensation schemes for the victims of the Post Office Horizon scandal and the infected blood scandal, including a number of my constituents. It gives me hope that the Government have shown a commendable will to right historical wrongs. I hope that in the months and years ahead, the Chancellor will also consider the claim of the Women Against State Pension Inequality—women born in the 1950s, including 5,000 in my Liverpool Walton constituency.

Finally, I want to mention the hospitality industry, which is central to Liverpool’s visitor economy. The 40% relief on business rates for retail, hospitality and leisure is welcome, but with costs continuing to rise, there remains a climate of uncertainty for far too many local businesses. We need to level the playing field between bricks-and-mortar businesses and the online global giants, and we need to prioritise our high streets and take the necessary steps to give relief to local businesses.

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[Martin Wrigley (Newton Abbot) (LD)]

We know that growth comes from investing in productivity and skills, and I, too, welcome the £22 billion for the NHS. Long-term public investment is essential for the security and stability that the UK needs. However, we heard about the issues relating to employers’ NI contributions, which will hit doctors, dentists, care homes and local hospices, adding a significant amount to their annual cost base per employee.

There is also pressure on voluntary, community and social enterprises. In my district, Teignbridge Community and Voluntary Services tells me that the sector employs some 3% of the local population, who are now all subject to the NI increase. Although it is better than nothing, the business rates reduction from 75% to 40% will disappoint local retail, hospitality and leisure businesses—not forgetting the inheritance tax threat to Devon’s family farms. There is nothing in this Budget for social care, for Devon’s crumbling hospitals or for Devon’s essential transport.

[Ben Maguire]

Bank shares are soaring following this Budget. Does my hon. Friend agree that the Liberal Democrat proposal to reverse the Conservative Government’s cut to the big bank levy, raising around £4 billion a year, would mean that we would not need the GP tax, the family farm tax or the winter fuel cut and that we could fund upgrades to the Treliske, Derriford and North Devon hospitals—

[Madam Deputy Speaker (Ms Nusrat Ghani)]

Order. This is too long an intervention.