Pensions: Expatriates

Debate between David Chadwick and Rachel Gilmour

Tuesday 20th May 2025 Westminster Hall

[David Chadwick (Brecon, Radnor and Cwm Tawe) (LD)]

I am grateful for the opportunity to speak in this debate, Mr Dowd. I refer hon. Members to my entry in the Register of Members’ Financial Interests. I thank the hon. Member for Farnham and Bordon (Gregory Stafford) for securing this important debate.

Nearly half a million UK pensioners living overseas are being penalised, not because they did not pay into the system but because of where they now live. They are our citizens—our veterans, carers, former teachers and nurses. They worked all their lives, paid into the national insurance system and are now denied the annual uprating of their state pension. Their pensions have been frozen, sometimes for decades, based purely on whether the UK happens to have a reciprocal agreement with their country of residence. As we have heard, it cannot be fair that a pensioner in the US sees their pension rise each year, while a pensioner in Australia does not.

The Liberal Democrats have long campaigned for an end to that injustice. We have already heard about Lord German’s sterling work, and I would like to highlight the policy research by Liberal Democrats Overseas, which has proposed a fair and affordable five-year plan to restore full uprating, starting with those who have lost out the most. Campaigners acknowledge the cost of their demands, and are even willing to accept partial uprating as a first step. However, as we have heard, previous Governments have refused to act and, worse, have turned down repeated offers from countries such as Australia and Canada to negotiate new agreements. This Government can take a fairer approach.

It is interesting that the Welsh Affairs Committee is looking into how we can engage the Welsh diaspora in promoting brand Wales overseas. A new settlement for British pensioners living overseas strikes me as a good way to engage with the British diaspora, particularly as we strike new agreements with countries all over the world. We Liberal Democrats call on the Government to stop hiding behind outdated excuses and to start treating all UK pensioners with fairness and dignity.

[Rachel Gilmour (Tiverton and Minehead) (LD)]

People who receive a pension income have worked throughout their careers for that money, and they deserve to be able to access it fairly and with the proper information, lest we see a repeat of the WASPI scandal. Does my hon. Friend therefore agree that, for people receiving a UK pension, uprating should not be a lottery of land borders, and that His Majesty’s Government should redouble their efforts to find reciprocal arrangements with countries currently without an agreement with the UK?

[David Chadwick]

David Lloyd George created the social contract on which our pension scheme still runs, and I am sure he would be proud to hear my hon. Friend calling for that social contract to be adhered to.

Several hon. Members have drawn attention to the fact that we now have many constituents living abroad who have the right to vote. To better represent their needs and make more progress, the Government might wish to consider the idea of overseas constituencies. That would give one or two hon. Members the opportunity to represent the needs of people living abroad who certainly warrant their full pensions.

Groceries Code Adjudicator

Debate between David Chadwick and Rachel Gilmour

Tuesday 25th February 2025 Westminster Hall

[David Chadwick (Brecon, Radnor and Cwm Tawe) (LD)]

I beg to move,

That this House has considered the Groceries Code Adjudicator.

It is a pleasure to serve under your chairmanship, Mr Twigg.

There is a deep unfairness at the heart of our food system. That unfairness stems from the power imbalance between producers and retailers. At one end, the retailers we buy our food from are making huge profits. Last year, the big four supermarkets saw a 97% increase in their profits: Tesco made £2.3 billion, Asda made £1.1 billion and Sainsbury’s made £701 million. That is enough to convince anyone that there is enough money in the till to go around.

As we know, food prices have soared since 2022, yet Welsh farming incomes are actually falling. That is a sign of a food system that generates huge profits for the supermarkets and the big retailers, while the producers at the other end suffer what they must. Farmers and growers carry the risks of food production but do not receive a fair share of the rewards. The people who grow our food deserve to earn a decent living. That is why the Liberal Democrats will keep campaigning to level the metaphorical playing field for farmers.

[Rachel Gilmour (Tiverton and Minehead) (LD)]

The Groceries Code Adjudicator was established by my party, the Liberal Democrats, during that sad time in Government. It was an extremely important achievement designed to protect the interests of farmers and food producers. Some hon. Members will know of my background as a director of the National Farmers Union, and my constituency of Tiverton and Minehead is home to some 1,600 farmers. In recognising that farmers are the lifeblood of the rural economy, would my hon. Friend agree that the GCA’s resources and scope must be expended to ensure it can exercise its investigative powers and correct the imbalance between our farmers and the big supermarket chains?

[David Chadwick]

I thank my hon. Friend for highlighting the achievements of the Liberal Democrats in power, particularly the fact that we have a long record of standing up for rural communities. The physical hills that Welsh farmers have to climb are getting steeper. Energy and fertiliser costs are rising, subsidy schemes are changing and farm incomes are falling. To make matters worse, the Government’s family farm tax threatens to further strain their livelihoods. Those are just a few of the battles that farmers face. Their industry deserves a fair market, and it is for that reason that the Liberal Democrats introduced the Groceries Code Adjudicator during the coalition years.