Mortgage Prisoners

Debate between Chris Stephens and Martin Docherty-Hughes

Wednesday 28th June 2023 Westminster Hall

[Chris Stephens (Glasgow South West) (SNP)]

It is a pleasure to see you in the Chair, Mr Robertson. I congratulate my good friend and comrade, my hon. Friend the Member for West Dunbartonshire (Martin Docherty-Hughes), on securing the debate and on giving an excellent outline of the position of so many people who are caught up in this scandal. I compliment the hon. Members for North Norfolk (Duncan Baker) and for Feltham and Heston (Seema Malhotra) on their excellent speeches, too.

As others have said, mortgage prisoners are people who cannot switch mortgages to a better deal, even if they are up to date with their payments. It is estimated that up to 40,000 people in Scotland are currently in the category of mortgage prisoners. Most mortgage prisoners have a mortgage in a closed book of an inactive firm, which means that the mortgage is held with a lender that can no longer make mortgage contracts because they are not authorised to do so. At the same time, regulators and lenders are imposing more stringent criteria on borrowing to help to prevent another financial crash, and many people are unable to meet the new conditions. As a result, they are unable to move to other deals, even if they would pay less by doing so.

Stakeholders including Martin Lewis and the UK Mortgage Prisoners action group have consistently criticised the Government for not taking action to help mortgage prisoners. Earlier this year, a report produced by the London School of Economics and funded by Martin Lewis said that the UK Government had made a surplus of £2.4 billion from the sale of mortgage books. It offered costed proposals that it argued would meet Government criteria for helping to solve the problem.

As we know, there have been previous parliamentary debates on the issue. In 2021, the Lords agreed an amendment to the Financial Services and Markets Bill that the Commons voted against during ping-pong. The Government argued that it would be an unacceptable and unfair intervention in the mortgage market; as a result, the Lords agreed to remove the amendment. The chief executive of the FCA told the Treasury Committee in May 2021 that further reforms to help to resolve the situation were up to Parliament. In March 2023, Lord Sharkey introduced an amendment to the Financial Services and Markets Bill that was identical to the one passed in 2021, but he agreed to withdraw it when the Government promised to meet stakeholders to discuss the proposals in the LSE report. I hope the Minister will update the House on where those discussions are.

It is abhorrent that people are at risk of losing their homes as a result of being mis-sold their mortgages prior to the financial crash. Homeowners across the UK are being hit by soaring mortgage rates, but mortgage prisoners are being hit even harder.

[Martin Docherty-Hughes]

My opening speech explained why we got here. Does my hon. Friend agree that an addiction to a neo-liberal economic model is to blame for the treatment of mortgage prisoners?

[Chris Stephens]

I agree. There is also a poverty premium that we need to discuss, which I will come to shortly.

As Rachel Neale from the UK Mortgage Prisoners campaign group has noted, their interest rates have gone from 4.5% all the way up to 9%, 9.5%, 10% and above. A number of these homeowners have been trapped—

Scottish Independence and the Scottish Economy

Debate between Chris Stephens and Martin Docherty-Hughes

Wednesday 2nd November 2022 Commons Chamber

[Chris Stephens (Glasgow South West) (SNP)]

It is a pleasure to follow my hon. Friend the Member for Edinburgh East (Tommy Sheppard); I will, of course, touch on similar themes in my contribution.

Saturday 29 October would have been the 100th birthday of my grandmother, who was an SNP voter and independence supporter. I am proud to be a third-generation SNP voter and to represent a constituency that had the second highest number of individual yes voters in Scotland, topped only by Dundee West. Let me assure the House that the competition will be on next time.

[Martin Docherty-Hughes]

We’ll beat you!

[Chris Stephens]

If West Dunbartonshire wants to rise to the challenge, we would more than welcome that.

It is important that this point is recognised: listening to some of the contributions today, we might think that not one constituency in Scotland had voted for Scottish independence, but of course many constituencies did vote for that proposition. What has been fascinating in this debate is that not one speaker arguing against independence or a referendum has told us what conditions they believe would apply for there to be a referendum. I find that deeply fascinating: they say that in their view there is not enough support, but will not tell us what would be required for there to be a referendum. Deeply fascinating indeed. I must say that a number of contributions have been strange. I thought that the hon. Member for Aberconwy (Robin Millar) had left the Chamber, but I can see that he is sitting behind the deputy governor general—I use that particular title as a term of endearment—the Under-Secretary of State for Scotland, the hon. Member for Berwickshire, Roxburgh and Selkirk (John Lamont). The hon. Member for Aberconwy talked about the ships that are hosting Ukrainian refugees. I have been on one ship, and it had really good conditions. I can tell him that I have had zero complaints about the conditions on that ship, but every single week I get complaints about the conditions and the overcrowding of Home Office accommodation for asylum seekers. Why is that the case? It is because the Home Office has argued that it does not need to comply with Scottish housing standards, that it does not need to comply with local authority standards. It is quite curious that the hon. Member mentioned that example, when the reality is that it is the conditions that the Home Office applies that cause real deep resentment for those seeking sanctuary in this country.

I was also fascinated by the Secretary of State’s contribution about our Union dividend. What has been the largest growing area of the economy over the past 12 years? It is the number of food banks in this country. That is not a Union dividend. We need to reflect on the fact that far too many citizens across these islands are having to depend on food aid, including working people. We have just advertised for a larder project in Cardonald, and we know that many of the users will be working people, which is why we will be opening them in the evenings so that people can utilise their services. The number of food banks in this country is no Union dividend at all.

Let me explain why those of us who have been trying to prosecute the case for Scottish independence are still doing so. Days after the referendum, David Cameron stood up and talked about English votes for English laws and basically said that Scotland had had its fun. That was very much resented by a number of people. It was the nasty campaign, the negative campaign, and, yes, the fearful campaign against Scottish independence that ensured we would still be debating this issue. There was never a positive case put forward during that campaign by those who wished Scotland to remain in the United Kingdom.

I want to spend the minutes I have left to touch on the issue of workers’ rights, which my good and hon. Friend the Member for Edinburgh East (Tommy Sheppard) addressed in his speech. It is a key part of the Scottish Government’s paper, which, curiously, no one has criticised. We really need to get away from this obsession that the current Government have of always being on the side of the bosses, and always being on the side of making sure that their view of insecure work should be the model going forward. I want to see an independent Scotland saying that there will be no zero-hour contracts in our country. I want to see trade unions have the ability to go on strike without fear of being taken to court on cheap charges. I want to see trade unions being given the right to use online and secure workplace balloting. If it was good enough for the Conservative party to use workplace voting and online voting to select a Prime Minister who crashed the economy then surely it is good enough for trade unions.

We need to change the world at work and to bring dignity and fairness to the workplace. Unfortunately, this place will never articulate a way of doing so, which is why I will continue to argue for Scottish independence and for votes for the Scottish National party.

Jagtar Singh Johal

Debate between Chris Stephens and Martin Docherty-Hughes

Tuesday 27th November 2018 Commons Chamber

[Martin Docherty-Hughes]

I am glad of the hon. Gentleman’s intervention and grateful for his tenacious support over the past year, as I am for the support of so many Members from all parties. Many of them cannot be here today since the business has finished so early, because—would you believe it, Madam Deputy Speaker? —we seemingly have nothing to debate during Government time. What an incredible moment in the history of this place to be here when the House’s business falls at 4 o’clock in the afternoon. Nevertheless, it does give me the opportunity to talk for quite some time about my constituent’s case.

[Chris Stephens (Glasgow South West) (SNP)]

I thank my honourable comrade for giving way. He is making a fantastic speech, and he has been a tenacious campaigner. Will he give due credit not just to Members of this House, but to the hundreds of my constituents who have written to me about the issue? I am sure that I am not the only Member who has had hundreds of constituents writing in, expressing real concern about the lack of Government action.

[Martin Docherty-Hughes]

I am grateful for that intervention. There are citizens from all across these islands—not just members of our communities who happen to be Sikh—looking to support Jagtar Singh Johal. Of course, the Sikh communities across these islands are profoundly disturbed by the situation, but citizens across the whole of the UK and abroad—in Canada, Australia and other nations—are communicating with me on a regular basis to extend their support for the family’s wish for due process.

Backbench Business

Debate between Chris Stephens and Martin Docherty-Hughes

Thursday 16th March 2017 Westminster Hall

[Chris Stephens]

Is my hon. Friend aware that, although the Department publicly suggests that 0845 numbers are no longer in operation, claimants can phone an 0845 number, which costs 55p a minute?

[Martin Docherty-Hughes]

It is an outrage. My hon. Friend highlights something that makes a mockery of the suggestion that this will save money.

Those who do not have an internet connection because their area has not yet had substantial investment in broadband connectivity—in my area we need investment in the copper wiring, never mind new fibre—cannot access the services online as easily as the Department presumes. Many urban, suburban and rural citizens simply cannot afford to sign up to an internet provider. That also holds true in relation to phone and mobile operators.

Reducing the number of jobcentres and moving those services to a central location—in my constituency, down to Dumbarton—will make it more difficult for citizens to access those so-called local services in person. It will result in longer journeys at a greater cost to those who are already struggling to pay the bills, and it may exacerbate health conditions. In certain parts of my consistency in the winter, it is not an easy journey, especially for people coming from the national park end. To suggest that those individuals can claim back any cost incurred through the longer journey misses the bigger point. They are already struggling financially, and the lack of awareness from the Government and specifically the Department is quite unnerving.

To ensure the best service for citizens, all interested parties must be involved. I welcome West Dunbartonshire Council’s proactive cross-party approach to tackling these issues in the best way for our constituents. I urge the Minister in the strongest possible terms to engage constructively with the local authority to retain those local services. In the light of that, I ask him to draw its attention to the policy, because there are different policy frameworks across the UK. For Scotland, I urge the Department to read the report by the Christie commission on the future delivery of public services, which shows how that delivery might be achieved with community planning partners. The clue is in the name: it is about partners and partnership.

Unfortunately, my hon. Friend the Member for Paisley and Renfrewshire South (Mhairi Black) cannot be here today for personal reasons, and she asked me to raise a few points on her behalf. The Department announced that it was relocating 300 jobs out of her constituency into the city of Glasgow, with no consideration of the impact on the local economy. In addition, no consideration has been given to how existing staff will be affected and how the travel time will impact on their lives. That could be a major factor that may force some existing staff to consider taking redundancy, as any move may be impractical. Why is the DWP abandoning a purpose-built office to take on a new lease?

To sum up, I hope that the Minister and his civil servants will take on board the valid concerns expressed by all Members and be proactive in responding, in particular by recognising the opportunities for co-location and partnership working for local services in local communities. I am sure I speak on behalf of all Members in praising the staff and those from the PCS union. I have been meeting them to ensure that this is kept to the fore as a major issue for us to debate.

National Shipbuilding Strategy

Debate between Chris Stephens and Martin Docherty-Hughes

Wednesday 8th February 2017 Westminster Hall

[Chris Stephens (Glasgow South West) (SNP)]

It is a pleasure to follow the hon. Member for North Durham (Mr Jones) and to have listened to his technical expertise in this area. I very much appreciated his speech and particularly his support for the Clyde shipyards. I congratulate my hon. Friend the Member for Dunfermline and West Fife (Douglas Chapman) on securing the debate, and it is always a pleasure to see you in the Chair, Mr Evans.

I shall start, as the hon. Member for North Durham did, with the extraordinary process regarding the strategy. He is not the only one who thought that Sir John Parker’s report would be the national shipbuilding strategy; I and other hon. Members of the House did too, as did trade unions and the defence industry.

[Martin Docherty-Hughes]

The Minister said that a signed copy would be sent to my hon. Friend the Member for Argyll and Bute (Brendan O'Hara), but we are still waiting for it. Clearly that means that the actual statement has not been produced.

[Chris Stephens]

I remember that exchange, and there was clearly confusion about the report. I also find it extraordinary that although Sir John Parker’s report was sent to the Ministry of Defence on 3 November 2016, this is the first opportunity that hon. Members have had to discuss it in detail. In November or December, there should have been a debate, or a series of debates, on the report, so that hon. Members could give their views on it and feed into the process. I shall come to that later.

I was very concerned when it was pointed out to me that on 2 January in The Daily Telegraph—not necessarily a newspaper that I subscribe to—MOD sources were not only saying that there is no budget for the Type 31, but that it will not happen and the plan will not be realised. We need to go back to the former Prime Minister’s announcement on the Clyde in my constituency in 2014, when he promised that 13 Type 26 frigates would be built on the Clyde. We were then told that there would be eight Type 26 frigates and five general-purpose frigates. As the hon. Member for North Durham outlined, we do not know exactly what that capability is, but we were told, “It’s okay; relax, because eight plus five equals 13.” We are still awaiting the final sign-off, not only for the eight Type 26 frigates but for the five general-purpose frigates. I hope that the Minister will tell us, if there is indeed a budget for Type 31 frigates, what it is and what the procurement timetable is for Type 26 and Type 31 frigates.

[Chris Stephens]

I would be very concerned about that, and I will come to the effects of that later. Sir John Parker’s report is an honest attempt to end the “feast and famine” procurement processes by the Ministry of Defence that have often plagued the shipbuilding industry. If any other public services carried out procurement processes in the way that the Ministry of Defence does, there would be uproar in the streets—imagine if it was equipment for the health service or education, and so on.

I am pleased that Sir John Parker’s report also recognises the capability and skills of shipyard workers on the Clyde—in my constituency, in the Govan shipyard, and in Scotstoun, in the constituency of my hon. Friend the Member for Glasgow North West (Carol Monaghan)—working on digital technology adapted from the automotive sector and with new working practices that have increased productivity. It is an honour and a privilege to represent them in this Parliament. The shipyard workers are also supported by trade unions and are represented at shop-floor level by representatives who have campaigned tenaciously over the years to ensure that future work is secured. Any announcements that come from the Government are a victory for them more than anyone else. However, as someone who had family members in Yarrows who were made redundant under a Tory Government, I always view such commitments from this Government with suspicion when it comes to shipbuilding.

Sir John Parker’s report also recognises that the Royal Fleet Auxiliary ships should be assembled in the UK. It really is a nonsense that that work has been farmed out elsewhere. I would hope that Rosyth, to cite one example, would have that opportunity. Failure to ensure that Royal Fleet Auxiliary ships are built in the UK will make the report fall at the first hurdle. An award to a UK yard for Royal Fleet Auxiliary ships would demonstrate that the Government are serious about ensuring that an export model can be achieved and that investment in technology can be kept.

[Martin Docherty-Hughes]

My hon. Friend is talking about Type 31s, but given the fact that the Secretary of State and also the leader of the Conservative party in the Scottish Parliament have said that there will be work on the 13 Type 26s, where is that guarantee from the Government?

[Chris Stephens]

I hope we will get that today. I hope the Minister will give us that commitment.

There is one fatal flaw, however, in Sir John Parker’s report, which needs to be tackled. His assumption that there is no precedent for building different first-class naval ships concurrently is wrong. In the 1990s, Yarrow shipyards were building and constructing Royal Navy ships as well as exporting ships to Malaysia. This precedent was envisaged by the Clyde shipyard taskforce in 2002, chaired by the then Scottish Executive Minister, Wendy Alexander, and the former Scottish Office Minister, Brian Wilson, which ensured that the Govan shipyard was responsible for the steelworks and that Scotstoun was to become the centre for excellence.

There is therefore reason to argue that Govan could construct the Type 26 frigates and Scotstoun could develop the new Type 31 frigate, using the specialist design capability to ensure that it could be exported to other countries. Such technical expertise to carry out the work is already there on the Clyde, but it will require investment. MOD pressure not to invest in the frigate factory—promises that led to the demolition of the covered berth and module hall at Scotstoun—has meant that we still have a constrained capacity and that the full potential for shipbuilding on the Clyde has not yet been realised. I want to hear from the Government about progressive plans with respect to shipyard reconstruction to unlock significant long-term advances and savings for the industry so that it can win more orders, not only here but from overseas.

Sacrifices have been made by shipyard workers on the Clyde. Let us not forget that to get to where we are now, workers on the Clyde took redundancy to ensure that the rest would be kept and that they would be match-fit to build the 13 Type 26 frigates. I hope that today the Minister will confirm procurement processes for the Type 26 and Type 31 frigates. The trade unions have said that failure to ensure that the Clyde leads on the general-purpose frigates would be a betrayal.

Trade Union Bill

Debate between Chris Stephens and Martin Docherty-Hughes

Monday 14th September 2015 Commons Chamber

[Chris Stephens]

I agree, because what has happened to collective bargaining is tragic. In 1979, for example, 81% of workers in Scotland had their pay determined by collective bargaining, but that figure is now 23%. Collective bargaining should be encouraged across the board, because it leads to higher wages.

The Government should be going in the opposite direction. We need stronger trade union rights and stronger employment rights in this country. It cannot be right that an employer can issue a 45-day redundancy notice to a worker. That was one of the big mistakes of the previous Administration. We believe that trade unions have the right to bargain collectively. We believe that this Bill seeks to undermine the great work of the trade union movement. It is a 19th-century solution in a 21st-century world.

[Martin John Docherty (West Dunbartonshire) (SNP)]

Does my hon. Friend agree that this Bill by the British Government is a real threat to the positive working relationships between the Scottish Government and the Scottish Trades Union Congress? The secretary-general of the STUC has said:

“The Westminster Government is essentially arguing, on the basis of an apparent desire to save ‘taxpayers money’ that the Scottish Government”—

a devolved Government in this United Kingdom—

“should not be allowed . . . to promote positive working relationships”.

Should not this Bill just be thrown out, because if we are “better together” it doesn’t bloody well feel like it?

--- Later in debate ---

[Martin John Docherty]

I will rephrase it, Madam Deputy Speaker. It feels like murder. [Interruption.]

[Chris Stephens]

Murderopolis, indeed.

My hon. Friend is absolutely right. The TUC, the STUC and the TUC in Wales are having these discussions. The STUC and the Scottish Government oppose the Bill, and the TUC in Wales and the Welsh Government oppose it. Local authorities oppose it. Health boards oppose it. It has no support whatsoever across the public services.