Oral Answers to Questions

Debate between David Linden and Simon Hart

Wednesday 15th September 2021 Commons Chamber

[Simon Hart]

I can go a little further than that, having spoken to the Busines Secretary on this topic only yesterday evening. My hon. Friend the Member for Montgomeryshire (Craig Williams) raises a very important point, especially around where the devolution settlement and reserved responsibilities sit. It is absolutely right to raise that but it is also fair to say that an issue of that significance will require a UK-wide approach and, of course, the views and responsibilities of the Welsh Government will be taken very seriously in those discussions.

[David Linden (Glasgow East) (SNP)]

If the devolution settlement is to work, the UK Government have to match their rhetoric on the respect agenda. Given that all devolved Governments in the UK have asked the UK Government to cancel the cut to universal credit, can the Secretary of State say that he made that representation to his Cabinet colleagues, or is the post of Secretary of State entirely redundant? [Interruption.]

[Simon Hart]

I barely caught a single word of that, but on the basis that I have heard the hon. Gentleman’s views on this subject before, I will simply repeat my views and observations. Over the past 18 months during the covid pandemic, there has been a very analytical look at what works and what does not work in the devolution settlement by businesses, employers, wealth creators, investors, universities, churches and members of the public. I have to say that this fixation with the niceties of the devolution settlement is not reflected by businesses in Wales at the moment. [Interruption.] If by any chance I have missed the hon. Gentleman’s question, which, by the shake of his head, I suspect I have, we can have a conversation in the Tea Room later.

Oral Answers to Questions

Debate between David Linden and Simon Hart

Wednesday 14th October 2020 Commons Chamber

[David Linden (Glasgow East) (SNP)]

What recent discussions he has had with the devolved Administrations on UK trade negotiations with the EU.

[The Secretary of State for Wales (Simon Hart)]

I have regular discussions with Welsh Ministers on a range of issues, including EU negotiations. The Joint Ministerial Committee on EU negotiations meets regularly. My Cabinet and ministerial colleagues frequently meet Ministers from the devolved Administrations.

[David Linden]

Tomorrow is the day the Prime Minister has set as the deadline for a trade deal with the EU. So far, the devolved Administrations have been left out of the loop or deliberately kept in the dark on some details. Does the Secretary of State believe that withholding key information and detail at such a stage as this shows respect or disrespect to the devolved Administrations?

[Simon Hart]

I do not recognise the hon. Gentleman’s accusation. Given the number of meetings I have personally been in with Ministers from the devolved nations, let alone other colleagues, it would be a difficult charge to land to suggest that they have not been closely involved with the process right from the beginning. I suspect his comments are based on the fact that he does not like the reality of what is going on, rather than being a legitimate comment.

Oral Answers to Questions

Debate between David Linden and Simon Hart

Wednesday 3rd June 2020 Commons Chamber

[Simon Hart]

The hon. Lady will be aware that, if the shared prosperity fund was an important future issue for the economic prosperity of Wales before, it is even more so now. I think that we all acknowledge that. There are regular discussions with Jeremy Miles in the Welsh Government and relevant Ministers in the UK Government to prepare for that. As she knows, Government policy is very clear on this. The project is on time and on schedule, and more details will be shared with her colleagues in Cardiff as and when the relevant decisions are made. At the moment, though, there is no change to Government policy in this regard.

[David Linden (Glasgow East) (SNP)]

5. What assessment he has made of the effectiveness of intergovernmental relations between the Government and (a) the Welsh Government and (b) other devolved Administrations in responding to the covid-19 outbreak.

Santander Closures and Local Communities

Debate between David Linden and Simon Hart

Thursday 14th February 2019 Westminster Hall

[David Linden]

Herein lies the issue that hon. Members on both sides of the House want to raise today. The Government’s line so far has been, “Oh, well, it’s fine—we’ll just shunt this issue on to the Post Office.” I am grateful that a number of hon. Members are homing in on the question of the Post Office, because that is the key weakness in Santander’s argument. First, there is a capacity issue because, given the rate at which banks are closing, we are expecting post offices to adapt to a significantly higher number of counter transactions within the same constraints as previously.

[Simon Hart (Carmarthen West and South Pembrokeshire) (Con)]

I am sorry to interrupt the hon. Gentleman yet again. I completely understand why the focus of this debate is on Santander, but from the point of view of the Government’s response, is Santander not taking the hit for a whole range of other brands that have been gradually leaving the high street over the past few years? Santander is almost the last man standing, so it is getting more adverse attention than it perhaps deserves. The blame the hon. Gentleman rightly attributes should be spread across all major banking brands and not just attached to this one.

[David Linden]

The hon. Gentleman is right that other banks have been complicit in abandoning our local communities. I do not know whether he is due to lose a branch in his constituency, but the vast majority of hon. Members here are. As constituency MPs we have the right to come here to challenge not only the UK Government but Santander, which is planning to abandon our communities. I think we are spot on to be tackling Santander.

--- Later in debate ---

[David Linden]

That is a powerful point. I suspect that if we broke those figures down, we would see a different situation in Kensington and Chelsea from that in Hornsey and Wood Green. That point was well made.

Research published this week by the consumer champion Which? found that 339 Scottish bank branches have closed their doors since 2015. However, we need to remember that this is not only about branches closing. When banks leave, they all too often take cash machines with them, and at this stage I pay tribute to the hon. Member for Rutherglen and Hamilton West (Ged Killen), who I know has done a lot of work on the situation around ATMs.

The rate of loss of cash machines across the UK should alarm us all, with LINK reporting that the UK lost more than 2,500 free-to-use cash machines last year. Financial exclusion is soaring and is fuelled by the transition from cash, hitting certain sections of society harder than others. For example, I regularly make home visits to constituents with physical disabilities, who tell me they rely on taxis for their freedom. I do not know what it is like elsewhere in the UK, but few taxi companies in Glasgow accept card payments. I also still encounter many constituents who have had a struggle even to open a bank account in the first place, so we really cannot assume that everyone has a debit card. Some of these people will quite simply lose quite a big element of their freedom if they lose easy access to their cash. Others might even be driven to high-interest credit cards or pre-pay debit cards that charge people a fee simply for accessing their own money.

Mental health is also all too often overlooked. The Money and Mental Health Policy Institute report “Seeing through the fog” contains startling testimonies from people with mental health problems. One says:

“I find doing things face to face much easier and better for me. I hate doing things over the phone and can get quite anxious when doing so…I don’t trust online banking and will avoid this for as long as I can.”

Another says:

“I can’t handle the internet, I need human contact.”

Another respondent says:

“I need to see a person. I can’t cope with all this online banking stuff.”

It is little wonder that the institute’s evidence to the ongoing Treasury Committee inquiry into access to financial services concluded:

“Bank branch closures may particularly disadvantage people with mental health problems who struggle with remote methods of communication and rely on face-to-face support from firms to manage their finances.”

We cannot ignore people like this as society moves away from cash, and we certainly cannot treat them as collateral damage in the march of progress.

We have heard time and again that the UK is sleepwalking into becoming a cashless society, but that is no longer the case, because the evidence is there. We are here to discuss the issue today, and Ministers should listen and react, because we cannot afford to sleepwalk.

[Simon Hart]

The closure in my community of one high street bank, and the removal of its cash machine, had a profound effect on the profitability of other businesses within just a couple of hundred metres, which rely on cash circulating. They noticed within a day the negative impact of that development.

[David Linden]

The hon. Gentleman is spot on and really hits the nail on the head. That point was made to me by the Federation of Small Businesses. The reality is that someone going out to buy a couple of rolls and a newspaper will probably not want to tap their debit card to pay; they will want to use cash. If millions of people are left behind in the move away from cash, I am afraid that the blame will lie squarely at the feet of the Government.

That brings me to my final point, which is a direct appeal to the Minister. I do not think that the Government and Ministers can sit back and say that this is a commercial decision for the bank. Put simply, allowing banks to bail on our communities has a detrimental impact on the economy, which should concern the Government. When the Minister gets to his feet later, I want him to address some of the fundamental concerns I have raised, and which others will doubtless also raise, about how these planned closures will have such a detrimental impact on our economy.