Rogue Builders

Ben Maguire Excerpts

Thursday 13th November 2025 Westminster Hall

[Ben Maguire (North Cornwall) (LD)]

It is an honour to serve under your chairmanship, Ms Furniss. I congratulate the hon. Member for Wyre Forest (Mark Garnier) on securing this important debate and giving an excellent and comprehensive speech.

Many people will be familiar with this topic. In fact, half of all homeowners have had a bad experience with builders at some point. Of course, those cases vary in value and scale, but fundamentally they represent consumers—many of whom are sadly vulnerable or elderly—being taken advantage of by rogue builders and traders.

Those people are all victims, whether they are in desperate need of emergency repairs or have committed to an extension they have saved up for over many years. They can be in a range of difficult situations: financial hardship, poor health or bereavement—some of those harrowing personal stories were outlined by the right hon. Member for New Forest East (Sir Julian Lewis)—and for them, seeking a fair resolution can seem impossible.

Two months ago, I pressed the Solicitor General on the deeply troubling case of Launceston primary school in my constituency, a brand-new building that had to be demolished just as it was ready to be opened because it failed to meet basic safety and building standards. When the developer went bust, it was us—the taxpayers—who were left carrying the cost of rebuilding the entire school to the tune of around £7 million.

Our communities deserve better safeguards and real accountability. Nationally, those stories are all too familiar, and those problems persist even in our sewage and road infrastructure systems, with many developers going bust before such vital infrastructure is finished. The hon. Member for Mid Cheshire (Andrew Cooper) made a powerful case for mandating infrastructure before the sale of homes.

Many of my constituents near Bude reached out to me to explain how a developer abandoned a site after going into liquidation, leaving unfinished roads and sewage works. The developer directly contravened planning conditions by not paying the bond, and yet the local authority had no power to act or hold it to account.

The Government cannot stand by any longer while those rogue developers fail to fulfil their promises. Those cases are shocking to hear, and the wider implications are clear. In the past five years, it is estimated that rogue builders have cost the public around £14 billion. That demonstrates the necessity of an efficient and effective justice system to resolve such disputes, protecting consumers and discouraging cowboy behaviour from builders.

Concerningly, as we have heard today, too many individuals in those situations find the justice system slow, complex and expensive to navigate. These are people in unexpected situations, without the time or resources to rectify them effectively. The Liberal Democrats believe that justice should be on the side of all consumers, not just those who can afford costly legal battles, as was highlighted by my hon. Friend the Member for Harrogate and Knaresborough (Tom Gordon).

The Government should ensure that there are accessible redress routes, such as small claims courts and ombudsman schemes, that work quickly and fairly for everyone. They should also support alternative dispute resolution mechanisms that save consumers time, stress and money, giving them a fair outcome without the burden and cost of going to court. That is important for the victims, and for the hundreds of thousands of honest builders who provide brilliant services for consumers up and down the country. My hon. Friend the Member for Twickenham (Munira Wilson) made the point that the reputation of those businesses is damaged by widespread concerns about the trustworthiness of the industry as a whole. They, too, will benefit if we can effectively deter and catch rogue builders.

Since 2019, there have been more than 125,000 official complaints about rogue builders in England alone. The justice system must ensure that those responsible are properly held to account. It is crucial that proactive steps are taken against these traders through the Competition and Markets Authority and local trading standards bodies, to ensure that they are effectively punished and, where necessary, publicly named and shamed.

To that end, what are the Government doing to ensure that investigations by those bodies are properly resourced and supported? Crucially, to the point made by the hon. Member for Altrincham and Sale West (Mr Rand), how can the Government stop some of these repeat offenders going into liquidation time and again, and then committing the same frauds somewhere else?

How will the Government ensure that victims of rogue builders are provided with accurate and clear information regarding their options? What are the Government doing to support accessible redress routes, as well as out-of-court resolutions for these victims? Finally, will the Minister look into providing greater powers and resources to local authorities so that they can properly hold rogue developers to account and enforce planning permission?

Oral Answers to Questions

Ben Maguire Excerpts

Thursday 17th July 2025 Commons Chamber

[Jonathan Reynolds]

I can reassure my hon. Friend and all colleagues that those decisions will always be in the domain of this Government and this Parliament in the UK. There has been a lot of speculation, during the trade negotiations, about what may or may not be involved, but we have shown that we deliver on jobs, goods and services, and that is the basis of sound trade negotiations.

[Ben Maguire (North Cornwall) (LD)]

T6. My constituents, Mr and Mrs Greathead, supply specialist industrial products to businesses across the UK and Europe. Since Brexit, they have faced many extra layers of difficulty, delays and costs, and they are in the middle of a three-year battle with His Majesty’s Revenue and Customs to ensure that correct tariffs are charged. Will the Minister please look into the barriers that my constituents face when trading with Europe, and ensure that excessive red tape does not hold them back?

[Gareth Thomas]

I sympathise with the hon. Member’s constituents on the difficulties that they face. On the challenges that he says they face with HMRC, he may want to get in contact with my colleague, the Exchequer Secretary to the Treasury, who has responsibility for HMRC.

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.

--- Later in debate ---

[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.