National Insurance Contributions (Secondary Class 1 Contributions) Bill

Carla Lockhart Excerpts

Wednesday 19th March 2025 Commons Chamber

[James Murray]

No, I will make some progress. The Government want to shift healthcare out of hospitals and into the community, to ensure that patients and their families receive personalised care in the most appropriate setting.

[Carla Lockhart (Upper Bann) (DUP)]

I thank the hon. Gentleman for giving way. Southern Area hospice, which is located just outside my constituency, has to raise £3.6 million per year, or £300,000 per month. It is not Government funded, as has been mentioned, so what reassurance can the Minister give to those currently using Southern Area hospice for end of life care that the Government will do the right thing and support our hospices by not including them in the increase to national insurance contributions?

[James Murray]

I have explained how the Government are approaching employer national insurance contributions and the support that they offer for central Government, local government and public corporations. That is an established way of responding to changes to employer national insurance contributions, which the previous Government did—

Family Businesses

Carla Lockhart Excerpts

Wednesday 26th February 2025 Commons Chamber

[James Murray]

The data that I refer to is based on claims data. This is an important point that comes up frequently when we have debates on agricultural property relief and business property relief. If one were to consider assets owned by farmers or other business owners, the actual value of the asset does not give a guide to what claim might be made against inheritance tax because that will depend on the ownership structure, on debt that might be owned or on what inheritances have happened earlier in people’s lives and so on. The only data that can give an indication of what impact the changes will have from April 2026 is the claims data.

The data that I referred to earlier and which I referred to in response to the hon. Member for West Suffolk (Nick Timothy) is the real claims data that HMRC has. That is the data on which we made decisions around this policy and which informs some of the Chancellor’s statistics in her response to the Treasury Committee, which the hon. Lady may like to consult.

[Carla Lockhart (Upper Bann) (DUP)]

In Northern Ireland, the Agriculture Department has indicated that almost half of all farms, and 75% of all dairy farms, will be impacted by the inheritance tax. When will the Minister start to speak with, and listen to, industry leaders? Quite frankly, the meeting last week was an outrage. He needs to sit and listen to industry leaders, who know the industry and are speaking on behalf of real farmers on the ground who will be impacted by this inheritance tax.

[James Murray]

The hon. Lady referred to meetings that I held last week, both with representatives of UK-wide organisations and those that represent other nations within the UK. There is a difference between listening to people and having to agree, because sometimes we listen and we disagree. That is the situation we found ourselves in after that meeting—we listened to concerns but we have a different approach. I have been setting out in this debate exactly why we have taken this decision.

--- Later in debate ---

[Daisy Cooper (St Albans) (LD)]

I am delighted to speak on behalf of the Liberal Democrats about family businesses, because they are so important and make a distinct contribution to our economy and to their local communities. Family businesses are synonymous with quality, trust and reliability. Family businesses have a strong sense of stewardship of their craft, their capital and their customer base. By their very nature, family businesses have the goal of nurturing their business to pass through to the next generation and, as a result, have a vested interest in long-term decisions, the stability of the economy and building a resilient community.

Where family businesses are located on high streets, they are often the anchor stores, bringing back loyal customers time and again. Family businesses are present in every part of the UK. Indeed, they are often the largest employer in a region and the largest philanthropic organisation in those communities, too. But in tabling the motion, the official Opposition do not seek to acknowledge or accept the damage that they have done to family businesses over the years. [Interruption.] If the official Opposition are patient, they will realise that I will not pull my punches when addressing the Government, but it is an Opposition day debate, so let me continue to outline the litany of mistakes that have occurred over the years.

The Conservatives scrapped the industrial strategy, which was the bedrock of long-term planning. They failed to reform the broken business rates system, which has hammered family businesses on the high street. They starved family businesses of seasonal workforces, which many of them need. Their botched Brexit deal has deprived many family businesses of access to European markets, raising trade barriers for imports and exports, and wrapped them up in reams of red tape. They wreaked havoc with their mini-Budget, making access to finance too expensive for many, and they failed to address the soaring energy costs and broken energy market that has resulted in many small family businesses suffering from extortionate energy contracts and being frozen out of the best deals.

That is why it is disappointing to see that the Labour Government are making some of the same mistakes. The national insurance contributions rise is unnecessary. The Government could have raised that £10 billion through other, fairer means such as taxes on big corporations that have raised billions, using that money to put public services back on their feet.

The business rates proposals will be incredibly damaging for small businesses on our high streets. On a number of occasions in the House, I have invited Ministers to look at House of Commons Library research commissioned by the Liberal Democrats that shows that chains will continue to be subsidised by small independents. Of course, there are also the changes to APR and BPR, which will raise a relatively small amount of money for the Treasury but could be devastating to many small family businesses across the UK.

Family Business UK, which I met this morning, is urging the Government to run an impact assessment. It is conducting its own impact assessment in partnership with the National Farmers Union, where it intends to speak to more than 3,000 family businesses about the potential impact of these measures. May I invite the Minister either to intervene on me now or to say in responding to the debate whether the Government will meet Family Business UK to discuss the findings of its survey once it is complete?

We should not just think of family businesses as units for tax revenue. Family businesses are different. Family farms rightly grab the public’s imagination, but there is more than that. In my constituency of St Albans, I can think of many. Hedges Farm Shop is a much loved, family run, award winning farm shop, and its delicious meat is often on the menu of our award winning restaurants. Waterers tailors is run by two generations of the Masi family, providing bespoke, high quality tailoring and some especially fancy men’s jackets. Burston Garden Centre is a long-established family business with a lovely restaurant and is a fantastic place for a day out. We have beauty companies, building merchants and electric vehicle charger stores, all of which are family businesses. And one of my favourite pubs, too: The Boot, handed down from Will to his son Sean.

On the subject of pubs, what on earth is this absurd idea in the Opposition day motion that the Product Regulation and Metrology Bill will somehow put the British pint at threat? The pint is well and truly safe. [Interruption.] The pint is well and truly safe, something I am sure the entire House wants to hear. The pint is enshrined in law in the Weights and Measures Act 1985, so this scaremongering is just total nonsense. I am tempted to call it a load of old Codswallop, but I would not want to insult the makers of that very fine pale ale. I could instead accuse the Conservatives of scraping the barrel. Let us just say that the Conservatives’ claim that the pint will be abolished is as fanciful as Labour’s claim that punters will see a penny taken off the price of their pint. They won’t. Frankly, if the Opposition think they are standing up for pubs they need to think again. I say this not only as the MP for St Albans, where we have more pubs per square mile than anywhere else in Britain, but also, I am proud to say, as the MP crowned last year as pub parliamentarian of the year. [Interruption.] I was, yes.

The last Conservative Government proved, unfortunately, that they did not know their firkin from their pin. They could not tell a kilderkin from a craft keg. Their defective attempt to introduce a draught beer relief ended up excluding the very small craft brewers they were claiming to help. When a former Conservative Prime Minister had the audacity to have a photo op with the casks that he had mistakenly left out of the draft duty relief support scheme, it was the Liberal Democrats who worked with publicans and small brewers to force that correction.

If the official Opposition want to pretend to stand up for the great British pub, they will need to do their homework. They should get out and speak to the struggling pubs and hospitality businesses that they have ignored. If the Conservatives want to continue with their pint-sized politics, it will be the Liberal Democrats who will continue to have the official Opposition well and truly over a barrel. Jokes aside, there are changes in the Labour Budget that are no laughing matter: the national insurance contribution changes and the reduction in business rates relief will deliver a hammer blow to our pubs. They will have no choice but to put up prices for punters and many more may be pushed to the brink.

[Carla Lockhart]

A joint survey by leading hospitality trade associations in Northern Ireland has revealed that 65% of hospitality businesses will reduce their employment levels, 55% will cancel planned investment, and 22% believe they will have to close their doors. The same can be said of retail because of the extra threat around big business and online sales and the fact that they get away in the smoke around taxation. Does the hon. Lady agree that there will be tumbleweed on our high streets, rather than the thriving high streets that the Minister suggested today?

[Daisy Cooper]

I am grateful to the hon. Member for raising those points. Our high streets are the beating hearts of our communities all over the UK. There is real concern that when the national insurance contribution changes and the reduction in the business rates relief kick in, our high streets will be absolutely hammered and we may indeed see tumbleweed. That matters for two reasons: there will be an impact on our local economies and that could have a knock-on impact on people’s confidence. Many people with busy lives do not always get to follow headlines about growth, inflation, interest rates and all the rest, but they do look to their high streets as the primary signal of whether or not the economy is working for them and whether it is working in their local area.

In hospitality, of course, it is not just the increase in the national insurance contribution rates that will have an impact. The changes will also mean that many part-time workers will not be recruited to work in those businesses. That will impact in particular women, people from ethnic minorities and young people. Young people often work in hospitality as their first job. Often hospitality can give them the chance to work after something adverse has happened in their life. I think all of us in this House can say that we support hospitality, and it is vital that we continue to support it.

Inheritance Tax Relief: Farms

Carla Lockhart Excerpts

Monday 10th February 2025 Westminster Hall

[Robbie Moore]

I will answer this point before giving way. I could not agree more with my right hon. Friend the Member for Beverley and Holderness (Graham Stuart): the electorate were sold false promises in the run-up to the general election. They were specifically told that this Labour Government would not change agricultural property relief, but that is exactly what the Government have done.

How will the Minister communicate with George? What will he tell George, based on the promises that were given in the run-up to the general election? I cannot believe how many times I have asked this, but will the Government commit to recording suicide statistics across the farming sector as we move closer to April 2026? If the Minister is so determined to carry on with his family farming death tax, will he at least look at changing the abruptness of the tax’s implementation, in order to protect the most vulnerable in our farming community? It cannot be right that this Government are forcing people to make those decisions.

Another point that has been made is that the tax also hits our next generation, the very young people we need to power our industry forward. What does the Minister say to Gemma, the granddaughter of a lifelong farmer who has been forced to split up the family’s farm, leaving their future in doubt? What does the Minister say to the thousands of young farmers up and down the country, many of whom are outside this building right now, who are in a similar situation because of this Government’s choices? I spoke to a few of them outside, before coming into this House. The same concerns have been raised by my hon. Friend the Member for Dumfries and Galloway (John Cooper) and my right hon. Friend the Member for East Hampshire (Damian Hinds).

Then there are the tenant farmers. About a third of agricultural land is farmed by tenants. I spoke recently to Tom, a tenant farmer who stands to lose not only his livelihood but his family home, as his landlords scramble to reduce their IHT liability before April 2026. The Tenant Farmers Association is already warning of the mass renegotiation of many agricultural tenancies ahead of the family farm tax kicking in. For the tenant farmers there is no protection, because the Government did not see fit to recognise their unique situation. Will the Minister recognise the injustice to which tenants like Tom are being exposed through this Government’s choices? Will he provide protections for those with tenancies and for the whole agricultural sector?

Many points have been made by Opposition Members, including by my hon. Friend the Member for Chester South and Eddisbury (Aphra Brandreth), who talked about the wider implications on our food sector. Just last week, I was at the Yorkshire agricultural machinery show, where I met a tractor dealer who is also in a family business and struggling to stay afloat. Why? Because confidence is draining from the farming sector, and orders for new tractors, machinery and equipment have reduced significantly.

[Carla Lockhart (Upper Bann) (DUP)]

I commend the hon. Member for his sterling work. He will know that early mornings, late nights, no holidays and low profit margins make up a typical day in the life of British farmers. They do it because they love the land, and they do it to feed our nation and sustain our rural communities. Does the hon. Member agree that this tax grab is a wrecking ball that will decimate our family farms? If Labour proceeds with it, it will have the death of rural Britain and rural Ulster on its hands. We need to stand up, stop this tax grab and ensure that the farmers outside this building today are heard in this place.

UK-China Economic and Financial Dialogue

Carla Lockhart Excerpts

Tuesday 14th January 2025 Commons Chamber

[Rachel Reeves]

One of the reasons for such poor investment—the lowest of all the G7 economies—is that our planning system makes it so hard to get anything done in this country. That is why the planning and infrastructure Bill, which is being brought forward by my right hon. Friend the Deputy Prime Minister, will turn that around, making it easier to invest in transport, in digital, in housing and in so much more. That is the way to get our economy growing after 14 years of failure.

[Carla Lockhart (Upper Bann) (DUP)]

I thank the Chancellor for her statement. She goes to China, New York, Washington, Toronto and Brussels to build economic relationships, yet she will not take the time to speak with the Ulster Farmers Union, the NFU, the Farmers Union of Wales or NFU Scotland to hear at first hand about the devastating impact that her death tax will have on family farms and small businesses. When will she realise that no matter what deals she does around the world—and I welcome them—Rome is burning around her? Agriculture is the backbone of our economy, so will she commit to meet me as a representative of the thousands of farmers whose farms are going to be decimated by her death tax?

[Rachel Reeves]

I have had the opportunity on a couple of occasions to meet the First Minister and Deputy First Minister of Northern Ireland, and I am sure that the Secretary of State for Environment, Food and Rural Affairs, my right hon. Friend the Member for Streatham and Croydon North (Steve Reed), would be happy to meet colleagues from Northern Ireland. The truth is that we inherited a £22 billion black hole in the public finances from the Conservatives, and in order to stabilise our public finances we had to make difficult decisions on taxes. At the moment we hear from the Opposition that they do not like the increases in taxes but they want increases in public spending. Well, they cannot have it both ways.

National Insurance Contributions (Secondary Class 1 Contributions) Bill

Carla Lockhart Excerpts

Committee of the whole House & 3rd reading
Tuesday 17th December 2024 Commons Chamber

[Dave Doogan]

I thank the right hon. Gentleman for his intervention. I refer him to Hansard from the previous Parliament. The comments I have just made are entirely consistent with the comments I made in the last parliamentary term.

With each day that passes, we learn more about the damage Labour’s Budget will inflict on household bills, businesses and charities, yet despite those warnings the Labour Government are determined not to listen and are ploughing ahead with this devastating proposal. The SNP will always stand up and protect Scottish jobs, Scottish services and Scotland’s people. That is reflected in John Swinney’s budget—a balanced budget in the interests of the people of Scotland and the businesses of Scotland. That is the SNP way. We have done it this year and we have done it in every one of the 17 previous years we have been in the Scottish Government.

Do the UK Government understand how commissioned services work? We have heard that quite a lot this afternoon and it is becoming increasingly clear that, at best, they have a sketchy understanding of why vital services are provided by non-statutory service providers. What is going to happen when this measure unwinds into the real economy is that charities, GP surgeries, hospices and other vital elements of healthcare provision will not have reserves. They are already operating at the very margins of financial sustainability, so when the sums do not add up, they will have two choices. They will approach the commissioning authority that has commissioned their services to ask for an uplift in their fees. The answer will be no, because the money is not there. Alternatively, they will withdraw their services or draw down their services. Either way, it will be enormously challenging and extremely damaging for some of the most vulnerable in our society.

[Carla Lockhart (Upper Bann) (DUP)]

The hon. Gentleman is making a powerful speech. The Labour party has said in the main that it is the right choice to increase NICs. Like Scotland, Northern Ireland’s health and social care will be hardest hit. The Northern Ireland children’s hospice estimates that half a million pounds will be needed to cope with the NICs increase. This is a hospice that provides care for the most vulnerable in our society: children with cancer and children with life-limiting conditions. Does he agree that the measure will see the end of these excellent services, which are much needed in our communities?

[Dave Doogan]

I agree entirely with the hon. Member. There is no road back from that. The difficulty that I implore the Government to pay attention to is that when the damage that will be inflicted by this measure is inflicted by this measure, they cannot just say, “Oops, we got that wrong. If you wouldn’t mind all coming back and start delivering these commissioned services, we’ll admit we got it wrong.” When it’s gone, it’s gone. It is not acceptable that the Government are playing fast and loose with the safety net that exists in our communities and our society to catch the most vulnerable people and prevent absolute chaos. That is exactly what the Government are doing.

However, the Government should not take the hon. Lady’s word for it, or mine. We can listen to people who are at the coalface. This is primary evidence from the Scottish Huntington’s Association:

“The entire charity sector is increasingly burdened by climbing costs, funding issues, recruitment and retention challenges and an increased demand for services.

All too many have had to close their doors, with more expected to follow. Additional burdens being imposed by government at this juncture”,

the association says, are deeply unhelpful.

“Coming just weeks after the prime minister announced a ‘new partnership that can harness civil society’s full potential’ this must surely be an unfortunate oversight, and one that simply cannot be allowed to stand given the scale of its implications for the not-for-profit sector and the many thousands of people who depend upon it in the absence of alternative statutory services.”

It is not just the association that takes that view. Turning Point Scotland has advised that this measure alone will add £1.1 million to its costs overnight, and it comes at a time of a pressured environment, when many of its services are already running at a deficit. That is true of the voluntary sector, but also of the nursery and college sectors.

On healthcare, I wonder whether the Government understand the concept of whole-system costs. As I and many Members have said, when charities fold, as many of them will, the services that they were providing will no longer be there. Who will then provide that care? It will be the provider of last resort, secondary care. People will present themselves at hospitals, where there will be no room. It will be chaotic, but in a purely Treasury and fiscal sense, it will be an extremely expensive form of chaos, for which the Government, through the whole-system paradigm, will need to pick up the costs. I am not certain that the Minister has been properly briefed by his Treasury officials on what the risk assessment actually says about the human and financial costs of the change when this heads south. This is what happens when the Chancellor treats the real economy as her own personal political piggy-bank. It will not be possible to fix this once it has been broken.

I have some sympathy for the Minister in one respect. We have heard, and I will not repeat, the headline figure—the gross quantum that the Government expect to generate by lowering the threshold and increasing the rates of employer national insurance. By the time everyone who is in a position to adjust their business and employment characteristics to accommodate it has done so, by the time the Government have compensated elements of the public sector and by the time the economy has contracted to accommodate that, we are already down from £25-something billion to £10 billion-odd. That is a lot of pain to accept to gain £10 billion.

If the Government were to exclude or make provision for hospices, nurseries, the voluntary sector more generally and universities, that £10 billion would be reduced to an embarrassingly small figure, so they are stuck between a rock and a hard place. I nevertheless encourage them to have the courage of their convictions and put the interests of the people of these islands first, rather than the political expediency of careering headlong towards a cliff edge that is as plain as the nose on the end of your face and jumping over it anyway in order to save face—because the Government will not save face. There is no escape from the corner they have painted themselves into. They can either U-turn and incur the political costs, which I would recommend, given that they have just come through the door—they should be at the height of their political powers, but if this is the height of their political powers, goodness me!—or they can carry on regardless, and pick up the pieces of all the chaos that will be wreaked across the sector.

This incompetence, for it is incompetence, did not start when the Government walked through the doors of Nos. 10 and 11 Downing Street. It started back in the election campaign, when they proscribed the use of the single biggest lever in the Treasury’s toolkit to get additional funding. They said that they would not increase income tax on ordinary working people, although with these measures they will take away financial opportunities and, actually, people’s money through payroll changes anyway. It is smoke and mirrors. However, by painting themselves into that corner on income tax, they have created a situation in which they have to make the most damaging tax intervention possible, which is entirely contrary to their stated ambition of generating growth.

Quite a lot of Labour Members have said, “It’s all very well listening to the Opposition, but what would you do?” I will give them two really easy things that the Government could have done. If they had mirrored the income tax thresholds that the Scottish Government have introduced, they would have generated £19 billion. That would not have had a single impediment on the real economy, would not have choked off growth and would not have put primary care on the precipice. They could have done that. Or, if they had thought that they could get by on less than £19 billion—they will have to, because they will raise less than £10 billion from this measure—they could have just reversed the previous Government’s two cuts to employee’s national insurance. Judging by the arithmetic in this place, the Conservatives did not exactly get a brilliant political return on cutting employee’s national insurance twice in two quarters of one financial year. The Government could have reversed those cuts, which would have netted £10 billion—roughly where they are now, on aggregate—but no, they did not want to do that and they refuse to do so.

--- Later in debate ---

[Sammy Wilson]

The mentality is that with these national insurance increases we are imposing more taxes on small businesses and on all the sectors I have spoken about. I would ask the hon. Gentleman what spending decreases could have been looked at—have any productivity impositions been put on the public sector, for example? That should be the answer, rather than asking, “Who should we tax to pay for the black hole?” Instead, we should be asking how we can reduce and reprioritise the things that we do; looking at some of the things the Government do at present that they do not need to do, or that they could do better, or that they could save money on.

I listened with bemusement to the hon. Member for Dartford (Jim Dickson), who was relieved by a survey in The Guardian in which more than 50% of those surveyed were quite happy with this tax. If there are so many Guardian readers happy to pay more taxes, I am sure the Scottish National party would love them all to move to Scotland, because it might solve some of the problems they have. These are the kinds of strained arguments that we have had from Government Members.

They know the impacts the Bill will have. I am sure they are having the same conversations with their constituents as I have had with the people who have spoken to me in my constituency office—the small businesses, those in the hospitality industry, the GPs and those in the care sector and the charitable sector, who have come to me and told me the impact it will have on their organisation. I do not believe we can run away from this, despite what will happen when we vote later today.

I do not share the optimism of the right hon. Member for Beverley and Holderness (Graham Stuart) that somehow little cabals will form on the Government Benches—that they will all start whispering, and maybe 10 of them will go to see the Chief Whip, and then next week it will be 20, and then, by the time there are 50 of them going to see the Chief Whip, this will all change. I do not share that optimism. What I do hope, however, is that the predictions that have been made about the Bill will finally resonate with the Chancellor, and we will see a change in policy.

[Carla Lockhart]

In my constituency and that of my right hon. Friend, agrifood manufacturing is a big business base and a big sector. As he will know, many agrifood businesses are saying that these changes will increase their bill by £50,000, £60,000 or £100,000. On top of the death tax for family farms, that will absolutely decimate our agrifood sector. I urge the Government to pull back from this measure; otherwise, we will see the cornerstone of our economy destroyed.

[Sammy Wilson]

Of course, agrifood is another sector that I had not mentioned, along with hospitality, food processing, all the charitable sectors and some that are supporting the health industry—all are affected by it; they cannot escape it. I believe the impact will be far worse than what the Government are hoping for. Of course, as a result of the side effects of this measure, the revenue that is hoped for might not even be obtained.

Farming and Inheritance Tax

Carla Lockhart Excerpts

Wednesday 4th December 2024 Commons Chamber

[Maya Ellis]

I will come on to opportunities to increase the prosperity of farmers, which should be our mission.

The second opportunity for farmers is around procurement and trade, and using the Government’s own purchasing power to back British produce, so that 50% of food brought into hospitals, Army bases and prisons is locally produced. We can protect farmers from being undercut by low welfare and low standards in trade deals, and we are seeking a new veterinary agreement with the EU to get our exports moving.

I want to touch on devolution and its ability to empower local understanding. Anyone who lives in a rural community knows that part of its strength is a deep generational knowledge of the land and local area. Nowhere is that more evident than in generational farming. Indeed, it is that knowledge, passed down through generations and trained into children from the time they can walk, that ensures some of the efficiencies that keep our farms going. I am a huge advocate for devolution, especially for areas such as Lancashire, where Ribble Valley is located, that include vast rural areas, because it brings democracy and understanding closer to communities. That is a huge issue that the Government are progressing at pace in order to do right by rural communities.

I am grateful to all the farmers who have been having open conversations with me about how past and future policy has and could affect them. Any new Government will take some time to unpick how relationships have worked in the past, and how they might want to change them. I came to Westminster as someone who is passionate about local leadership and devolution, and there is much that this Government can do to help farmers by taking decisions.

[Carla Lockhart (Upper Bann) (DUP)]

The hon. Lady is making an eloquent speech about farming and the importance of farmers to our communities; they undertake roles such as gritting the roads and cutting our hedges, as well as feeding the nation we live in. She talks about devolution. Does she agree that the Department of Agriculture, Environment and Rural Affairs of Northern Ireland has said that one third of farmers will be impacted by the agricultural property tax, with 75% of our dairy farmers being the hardest hit? The policy is not working. Stop the family farm tax grab.

[Maya Ellis]

If the hon. Lady will allow me, I will come to how we can help the farmers who will be affected by the measures.

To finish my point about devolution, as an MP in an area with huge extents of rural economy, it is critical to me that devolution reflects our rural areas as much as our metropolitan ones. I look forward to seeing how the upcoming devolution White Paper addresses that challenge. Town and parish councils really understand our rural communities and can play a bigger role in local democracy.

Winter Fuel Payment

Carla Lockhart Excerpts

Tuesday 10th September 2024 Commons Chamber

[Jim Shannon (Strangford) (DUP)]

I rise to publicly oppose this proposed change. I understand the need to balance the books—we all do, and we know how it works—but to be perfectly frank, and it gives me no joy to say this, I never imagined ever in my life that a Labour Government would seek to balance the books on the backs of pensioners throughout the United Kingdom. I put that on record at the beginning. I say it respectfully, but with great grief.

I fully comprehend that the system could do with an upgrade. Perhaps we should look at a household cap, as we have with the child benefit payment. Perhaps we could look at allocating per household, rather than per person. Perhaps we could look at ensuring that everyone who is still earning more than their pension through employment can have deferred payments until full retirement. Perhaps we could look at an opt-out scheme for pensioners such as me. I do not need the money; I asked not to take the money. I give the money to charity. I am not better than anybody else—never am I better than anybody else—but I realised that I did not need that money, so I gave it away. Others might want to do the same thing.

It should be direct face-to-face applications for pension credit. There should not be a nine-week wait for the application to be processed. My goodness, people need the money now. The threshold should be raised. The Government and the Minister have said about the £440 that is coming next spring, but pensioners need the money this winter and as soon as possible.

In Northern Ireland, 68% of homes rely on oil-fired boilers for heating. There are high levels of fuel poverty, with 22% of the population currently spending more than 10% of their household income on heating their homes. I think about the women who have a tiny workplace pension from the hours they worked while their children were in school. The women of the Women Against State Pension Inequality Campaign have already been disadvantaged and will pay a further price for not being allowed to save for their needs. I am begging this Government on behalf of my constituents in Strangford not to remove the benefit from everyone in one fell swoop.

[Carla Lockhart (Upper Bann) (DUP)]

National Energy Action estimates that close to 45 people die every winter’s day in the UK due to cold homes. This Government, in their wisdom and through this decision, have decided to imperil many more. Does my hon. Friend agree that it is wrong, it will have an impact and it will cause deaths right across the United Kingdom?

[Jim Shannon]

My hon. Friend is absolutely right. We all recognise that this winter will be one where pensioners will feel the gravity of this and the pain of the cold. I stand for all those who are making do with less than £1,000 a month and those pensioners who will be impacted by the winter fuel allowance being taken away from them. For them, this is a lot of money. It is the difference between being warm this winter or simply surviving. It is not an exaggeration; it is life for my constituents and, respectfully, for the constituents of those on the Government Benches.

I will conclude. The clock for speeches has stopped. I will be respectful of the time, as you would expect, Madam Deputy Speaker.

Those who have worked all their lives deserve to be paid for what they paid in. There is a basic standard, along with women and children go first in the lifeboat: protect those who cannot survive the icy cold. So let us slow down the ship—I look to Labour to make that happen—and veer away from the iceberg, which some Members only see the tip of at the moment, which could be the destruction of the Government before their first journey even begins. Let us correct course and get this right. Let us support the Opposition motion, which reflects the mood and opinion on the Opposition Benches. I hope that the Labour party will realise that it is going the wrong way. We are trying to direct them the right way.

--- Later in debate ---

[Carla Lockhart (Upper Bann) (DUP)]

The Prime Minister and Labour Members tried to bring this country together after division and turmoil, and today I have to say they have succeeded. They have united the country. They have united it in opposition to this new Labour Government and their attack on older people—the very people who deserve compassion, dignity and respect after their lifetime of hard work.

I stand unashamedly shoulder to shoulder with pensioners in Upper Bann and across the United Kingdom in their opposition to this reckless decision. Our pensioners are being left out in the cold by a Government who promised to restore hope. Where is the compassionate Labour we were promised? Where is the restored hope? What hope do pensioners have in Upper Bann? What hope do they have that this Government might listen, care for them and stop neglecting them? They now feel like they are the target.

To be fair, this Government have offered pensioners something to keep them busy through the cold winter months by suggesting they take a stab at completing the pension credit application form—a form with 243 questions across 24 pages, with a delay of nine weeks for a decision. They are asking pensioners to navigate a bureaucratic nightmare just to receive a fraction of what they need to survive. I stand here today united with my constituents and united with pensioners across this country in opposition to this baseless decision.

In conclusion, no one is arguing that millionaires should get the winter fuel payment, but over 6 million of the pensioners set to be impacted by this decision are living on the state pension. They are living on just over £11,000 a year. Could anyone in this House live on £11,000 a year?

Royal Bank of Scotland Branch Closures

Carla Lockhart Excerpts

Tuesday 14th May 2024 Westminster Hall

[Bim Afolami]

I appreciate that intervention from the hon. Member. I will say to him, very directly, something that I was going to say later in my speech. In the case of rural constituencies—he mentioned his very rural constituency—I think that the assessment criteria used by Link for banking hubs, working with Cash Access UK and looking at this whole issue of access to cash, need to be amended. I have communicated that to the industry, and I hope that, over the coming weeks and months, that will happen. It is clearly not working, in a relatively small number of instances in rural areas, where the rules do not appear to be flexible enough. I think that would be useful.

[Carla Lockhart (Upper Bann) (DUP)]

Since 2020, 50 banks in Northern Ireland have closed and only one banking hub has opened. Does the Minister agree that that is just not acceptable? The criteria do need changing. We have heard great plans from the Government to help to change it, but when will that happen? When will the criteria change, and when will the Government take this on board?

Oral Answers to Questions

Carla Lockhart Excerpts

Tuesday 7th May 2024 Commons Chamber

[Carla Lockhart (Upper Bann) (DUP)]

T5. The consistently high price of fuel is making drivers dig deep just to go about their daily business. With a rise of 10p reported since the start of the year and the average cost of filling a family car now £82.50, what efforts will the Government make to help those people in my rural constituency and across the United Kingdom who have little or no access to public transport and are dependent on their vehicles for work and family life?

[The Exchequer Secretary to the Treasury (Gareth Davies)]

The hon. Member is entirely right. That is why we froze fuel duty at the last fiscal event: a measure that costs £6.5 billion and will save the average driver £50.

Oral Answers to Questions

Carla Lockhart Excerpts

Tuesday 21st March 2023 Commons Chamber

[John Glen]

I am pleased to confirm that the full business case for the Humber freeport has now been conditionally approved by the Treasury, with full approval subject to the customs site being designated and the freeport signing a memorandum of understanding with the Department for Levelling Up, Housing and Communities. The Humber freeport is already open for business, supporting the regeneration of the region by creating jobs and attracting new business investment. I am sorry that Treasury processes can sometimes appear tortuous.

[Carla Lockhart (Upper Bann) (DUP)]

7. If he will make an assessment with Cabinet colleagues of the potential impact of increasing the tax-free childcare allowance on the ability of parents to work.

[The Chief Secretary to the Treasury (John Glen)]

Tax-free childcare provides financial support for working parents with their childcare costs. In addition to tax-free childcare, the Chancellor announced at the spring Budget that all eligible working parents in England will be able to access 30 hours of free childcare a week for 38 weeks of the year, from when their child is nine months old until they start school.

[Carla Lockhart]

I thank the Minister for his response. When will the Government start to reward the working families of this United Kingdom? We have a Chancellor who is giving tax breaks to the wealthy to top up their pension pots, yet he cannot support working families by increasing the personal allowance or by offering tax-free childcare that supports all families with childcare needs, particularly families with older children. The high-income child benefit charge remains untouched, leaving households that earn much less than others unaffected. Can the Chancellor update us on his plans to reform this deeply unfair practice?

[John Glen]

I do not accept the overall characterisation that the hon. Lady has given. Just in November last year, 428,000 families and 511,000 children benefited from tax-free childcare. The announcements last week will make a significant contribution, and of course that work will start immediately, with the Department for Education consultation. We have a commitment of £204 million for the coming financial year, and £288 million for the following year, to increase supply so that we can deliver this as quickly as possible.