Access to Cash in Scotland

Debate between Douglas Ross and Pete Wishart

Thursday 14th July 2022 Westminster Hall

[Pete Wishart]

We put those questions to the Minister when he appeared before the Committee. He made it clear, very legitimately, that the Government cannot get involved in commercial decisions on closures of branch operations, but that does not mean that they cannot do anything. The Access to Cash Action Group recommended several things that the Government could do so that banks were able to proceed, particularly around consultation with local communities, which is available now.

Data is indeed important ahead of legislation. The Government have an opportunity to find out how much cash usage there is across the UK, how many retailers refuse to accept cash at salepoints, and exact data on bank closures, which does not exist in any tangible or useful form. As the Government head towards the legislation, they have an opportunity to look at that and, hopefully, enable Members of Parliament on both sides of the House to be better informed when they are contributing to discussions about the legislation and to know exactly the state of play when it comes to bank closures and the use of cash.

[Douglas Ross (Moray) (Con)]

It is fair to say that the Chair and I do not always agree in the Scottish Affairs Committee—indeed, outwith the Committee, we almost never agree—but I pay tribute to the way that he has led this inquiry to the conclusion where we unanimously agreed the content of the report with no changes. That is also credit to our Clerks and it is right to thank them for their work in evidence gathering and report writing.

Does the Chair of the Select Committee agree that it was clear from a number of the evidence sessions that many of the banks are frankly morally bankrupt in the way that they treat their loyal and dedicated customers with contempt? In Forres, we have seen all four of the bank branches close in recent years. Just this week, the final bank—the Bank of Scotland—closed its branch. I held a meeting with my right hon. Friend the Minister and senior managers to discuss the issue, but they refused to come to Forres and speak directly to the customers they were leaving. Does the hon. Gentleman agree that there should be far more engagement between the banks and their customers? Does he also agree that there is an opportunity to have banking hubs? If individual banks do not believe that they have the customers to keep a branch open, they should work together so that a town the size of Forres can still have a banking footprint.

[Pete Wishart]

I thank the hon. Gentleman for his kind remarks—I am sure we will be back to business as normal on Monday, when the Committee meets again.

The hon. Gentleman’s substantive points were very useful. I agree that banks need to properly explain to local communities the reasons behind closures. I remember a protest in Aberfeldy. It takes a lot to get people protesting in Aberfeldy, but they protested in large numbers about the closure of the Royal Bank of Scotland branch there. Communities get very upset about this issue, and they look for reasons and answers. They want to understand why banks in the heart of the community have been closed, and more could be done to explain that.

There is, of course, a code of conduct that the banks are expected to fall in line with, but I think most people find that insufficient. Again, there may be a role for the Government to intervene and to make sure that we have proper thresholds and guidelines for where banks are to be closed. The previous Government had legislation about the last branch in town, but that seems to have gone and is no longer a feature of the Government’s thinking about this issue. The Minister is listening, and that may be something that he might want to think about as we look forward to the Bill being introduced.

Covid-19: Future UK-EU Relationship

Debate between Douglas Ross and Pete Wishart

Wednesday 15th July 2020 Commons Chamber

[Pete Wishart]

The hon. Gentleman has been speaking for 25 minutes.

[Douglas Ross]

I have been speaking for 25 minutes—the right hon. Member for Ross, Skye and Lochaber spoke for 35 minutes.

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[Douglas Ross]

Will the hon. Gentleman give way?

[Pete Wishart]

I am not giving way to the hon. Gentleman as he took half an hour, sorry.

This is where we are in Scotland, and I thank Conservative Members from the bottom of my heart for helping me in my ambition and quest to deliver independence for Scotland.

It is so unnecessary. There are a couple of ways that we could do these things. We could have a separation of the ways peacefully and amicably, respecting each other, or Conservative Members could do the thing of shouting us down, disparaging us and trying to take the powers of the Scottish Parliament. I suggest this to the hon. Gentleman and hon. Ladies on the Conservative Benches: why don’t we do it the friendly way? I will tell them something. They won their Brexit; have it. Please have it. If that is what England wants, please have it. I will be the first person to applaud them, cheer them and wish them all the best. We do not want it. We don’t want it—that is the simple thing. Why can we not both have what we both want? Why can’t they have their Brexit, have their splendid isolation and have their fantastic trade deals that they have in the bag? What we will do is reflect on what the Scottish people want, which is to be an independent nation within the European Union.

I am here to sum up today’s proceedings, so let us see if I can make a little bit of a job just about that. There have been some fantastic contributions. Looking around, even the Tories, with their disparaging remarks about Scotland, have been pretty interesting. [Interruption.] They have been great. They have been fantastic for us and we are so looking forward to putting a compendium together.

The opening speech by my right hon. Friend the Member for Ross, Skye and Lochaber (Ian Blackford) was a trademark tour de force accurately summarising the situation in and condition of Scotland: talking about the power grab, the threat to the Scottish Parliament in terms of the devolution settlement, talking about where the Scottish people are in relation to Brexit, and saying why it is necessary to have an extension to Brexit. That is what he laid down so very effectively in his speech today.

We then had some fantastic speeches from my hon. Friends the Members for Argyll and Bute (Brendan O'Hara), for Inverness, Nairn, Badenoch and Strathspey (Drew Hendry), for Stirling (Alyn Smith), for Kilmarnock and Loudoun (Alan Brown), for Paisley and Renfrewshire North (Gavin Newlands) and for North Ayrshire and Arran (Patricia Gibson). From Glasgow to Aberdeenshire to Lothian, there were fantastic speeches from my hon. Friends. “They do not speak for Scotland.” I do not know which one of the disparaging remarks that was from. But my hon. Friends speak on behalf of nearly every single community in Scotland. We have 80% of the Members representing Scotland in this House. From Ayrshire to Argyll to Aberdeenshire to everywhere, we have SNP Members who will put the views of their constituents. On no issue do they speak on behalf of those people more than on Brexit. Scotland voted overwhelmingly to reject Brexit. Every single constituency in Scotland voted to remain in the EU. What my hon. Friends did here today was to stand up for their community, represent their views, and make sure that they were properly represented and that their voice was heard. They did a fantastic job of that today.

Then, of course, there were the Conservative speeches. I am not going to say any more about them, because that was just great. But there is something I have observed—[Hon. Members: “More!”] Okay. They are saying, “More.” How about this, then? I have been in this House for 20 years and I have never observed a Conservative party quite like it: the new model Conservatives, the red wall Tories, the Commons commandos—how about that one? That is the way to describe them, or Boris’s Brexit bombardiers! How about that one? I cannot tell them apart. They are all the same. They are nearly all male and they are all standing there. They all beat the Labour party and they are all really thrilled about that. Well done. Gosh, we tanked the Labour party 10 years ago! It is not a big deal or a big feat.

The poor hon. Gentleman, the hon. Member for Sheffield Central (Paul Blomfield), sitting there having to take all this. I actually feel sorry for him. The Labour party could not even be bothered to turn up. It was just appalling. For goodness’ sake, they must have something to say about Brexit. Even if they turned up and just asked to open the window or something, at least they would have been on the record, but they could not be bothered to even do that. Does he want to say something? I’ll give way to him.

Oral Answers to Questions

Debate between Douglas Ross and Pete Wishart

Wednesday 12th February 2020 Commons Chamber

[Douglas Ross]

Absolutely. The future of Scotland’s economy and the UK economy will be buoyant, and as we leave the European Union we want to ensure that all our sectors continue to thrive. I assure my hon. Friend that we in the Scotland Office will do everything possible to facilitate those discussions.

[Pete Wishart (Perth and North Perthshire) (SNP)]

The response we have heard from the Government Front Bench today might explain why the Minister has lost half of his Scottish colleagues, why the SNP is at 51% in the polls and why the majority of the Scottish people now want independence. In the real world, the Chancellor of the Duchy of Lancaster says that border checks are now inevitable for almost everybody because of the Government’s disastrous Brexit. How will this help Scottish business?

[Douglas Ross]

The hon. Gentleman mentions the real world, so let us look at the real world in Scotland where the SNP is in power: we have bridges that people cannot get across; we have hospitals that it cannot open; and we have an education system that is failing. That is the record that the Scottish Government and the SNP will have to go to the people in a little over 15 months’ time. I look forward to that election, when what the Scottish Government and the SNP have done to Scotland since 2007 will have an impact on the result.

Strengthening the Union

Debate between Douglas Ross and Pete Wishart

Monday 23rd July 2018 Commons Chamber

[Douglas Ross]

I am grateful to the hon. Gentleman for giving way on this point, because it is important. He is criticising the UK Government for having a debate about strengthening the Union. The Scottish National party has had two debates in this term. Its last one was on the claim of right. Why did his party not choose European topics to discuss when it had the opportunity?

[Pete Wishart]

I will tell the hon. Gentleman what we will do: we will try to help him out with the issue about strengthening the Union. You know me, Madam Deputy Speaker; I try as much as possible to be helpful in these debates.

Let us see how helpful it might be to the hon. Gentleman to look at a whole range of issues just now and see whether he would put them into the “Strengthening the Union” column or the “Diminishing and weakening the Union” column. Let us start with Brexit. How will we get on with that one? [Interruption.] The hon. Gentleman is chuntering away. It is what they do. I say to him that the Scottish people are watching this debate, and they see him chuntering, heckling and shouting away. They are not impressed with him behaving in such a way.

[Douglas Ross]

On a point of order, Madam Deputy Speaker. The hon. Gentleman is criticising me for apparently chuntering, but the point is I asked him a question two minutes ago that he has not answered. It would be respectful to this Parliament to answer the point, rather than chuntering away through his speech.

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[Pete Wishart]

I have never said anything about no powers coming back to the UK. The point is that the powers that should rightly reside in the right hon. Gentleman’s Parliament and in my Parliament have been grabbed by the UK Government, and they will now be resting in Westminster, not in our devolved Assemblies. This is really important because our Parliaments—the right hon. Gentleman’s and the one in my nation—depend on the reserved powers model, and if that is broken, devolution is broken.

The Conservatives have started to muck about with the founding principles of our Parliament, and the Scottish people are watching: they are looking at what the Conservatives are doing, and they are not impressed. It is in line with what they are doing with the Sewel convention in relation to taking legitimate decisions of the Scottish Parliament to the Supreme Court to be challenged and possibly overturned. People may say that this all helps to strengthen the Union and that it is a very clever and cunning ruse by the Conservatives to get us back on board with the Union. However, I suggest that, once again, it is undermining their Union, and the power grab was very much to the weakening of the Union cause.

[Douglas Ross]

Will the hon. Gentleman give way?

Treasury Spending: Grants to Devolved Institutions

Debate between Douglas Ross and Pete Wishart

Tuesday 3rd July 2018 Commons Chamber

[Douglas Ross]

That is amazing from a Member of the party that brought about the collapse in the financial markets, which is why we have had to have good governance of our finances in this country—to deal with the mess left behind by Labour.

[Pete Wishart (Perth and North Perthshire) (SNP)]

rose—

Scottish Affairs Committee

Debate between Douglas Ross and Pete Wishart

Thursday 7th June 2018 Commons Chamber

[Pete Wishart]

I will offer no opinion on the longevity of other hon. Members in this House, but I very much agree with my hon. Friend about what seems to be a loss of town centre and village amenity and fixed assets. The response to the bank closure programme that we saw not only in my constituency but in that of the hon. Member for Ochil and South Perthshire (Luke Graham) and in some urban centres—indeed, in constituencies right across Scotland—demonstrates how much value communities place on these assets. The jobcentre closures will probably have more impact on urban centres than on constituencies such as mine, but this is certainly an issue for the Government. As part of their reflections on our report, perhaps they could take a look at what is generally happening in our high streets, towns and villages across Scotland.

[Douglas Ross (Moray) (Con)]

I congratulate the hon. Gentleman and his Committee on this report, which I fully endorse. Moray has had no branch closures in this round of cuts, but we have suffered a reduction in mobile banking provision, particularly in Lossiemouth, which has lost one of its visits each week to allow the mobile bank to provide a service to other areas that have lost their branches. I notice that it was referenced in paragraph 75 of the report that the quality and availability of mobile banking was a concern. What more can we do to encourage RBS to improve its mobile banking service, given that it is currently letting people down in Lossiemouth and in other areas of Moray?

[Pete Wishart]

I am grateful to the hon. Gentleman for his diligent recollection of section 75 of the report. We had an extended conversation with RBS about the availability of its mobile banking system. Our constituents are already beginning to detect real issues because the mobile banks are now expected to serve areas impacted by branch closures. RBS was determined to assure us that effective and efficient timetables would be drawn up, but the evidence thus far is that it has not been able to produce them. Again, as part of our rolling brief to keep this under review, we will keep a clear eye on what is happening. Mobile banks provide a real point of contact where customers can access banking services, and they are an important feature of the new delivery of services.

Private Members’ Bills: Money Resolutions

Debate between Douglas Ross and Pete Wishart

Monday 21st May 2018 Commons Chamber

[Douglas Ross (Moray) (Con)]

The hon. Gentleman says that we have to show that we in this House are listening to our constituents. Can he tell me how many people in Perth and North Perthshire have spoken to him specifically about the money resolution for the Bill promoted by the hon. Member for Manchester, Gorton?

[Pete Wishart]

I have to tell the hon. Gentleman that I was very impressed with his skills in the Scottish cup final the other day. His recovery technique was absolutely superb. It was the highlight of the game for me. I can also tell him that my mailbag is absolutely full of all types of suggestions for private Members’ Bills that people find favour with, and I am pretty certain that the hon. Gentleman will have had the same experience.

I have another solution to the Government’s approach: if they do not like a Bill, they should come to the House and explain why they do not like it. They should not hide behind process and procedure. They should not try to block these Bills simply because they have the means and the capability to do so. They should argue their case on the Floor of the House. I happen to think that the Government have a case when it comes to the Bill promoted by the hon. Member for Manchester, Gorton. They tell us that a boundary review is under way, and yes, of course it is. The House seemed to back it, but the Government did not get a majority in the last election. I think that the Leader of the House has got that one wrong. But let the Government bring their argument for not progressing the Bill to the House where we can debate it. If they have their way, and majority is in favour, that is what the Government will do. However, if they do not get their way, and if this House clearly tells them that it wants to pursue a different approach, the Government should listen to that and respect that decision. Democracy starts with respecting the wishes of this House, and we are getting into dangerous territory when that is so casually overlooked. Let us get back to making sure that when this House speaks, the Government respond and act on that clear decision.

I want to say a bit more about the Bill promoted by the hon. Member for Manchester, Gorton. It is an important Bill that I personally support. I spoke in the debate on the previous Bill that Pat Glass was trying to take through Parliament. The critical feature of this Bill is to defend the number of Members of Parliament in this House. Is it not something else when, over the weekend, extra unelected Members of the House of Lords were created? Is it not something when this Government want to cut the number of directly elected Members of Parliament while increasing the number in that absurd circus down the corridor? Apparently, this is all because they are embarrassed by the successive defeats that they have suffered at the hands of the House of Lords. Apparently, they are not the right type of legislators, so the Government are going to appoint the right type of legislators. Is that not utterly absurd?

Restoration and Renewal (Report of the Joint Committee)

Debate between Douglas Ross and Pete Wishart

Wednesday 31st January 2018 Commons Chamber

[Pete Wishart]

A number of solutions have been designed in Parliaments around the world. In some Parliaments, that solution may include desks. What I am suggesting is a technological solution, whereby we would come to the Chamber and press a button to vote. We could vote on anybody’s proposal and time would not be wasted.

[Douglas Ross (Moray) (Con)]

I have served in the Scottish Parliament, which uses electronic voting. Does the hon. Gentleman agree that there is an issue—I saw this a number of times—with SNP MSPs who incorrectly press the wrong button?

[Pete Wishart]

Let me use the hon. Gentleman as an example. Sometimes he is not even there to vote on these issues because he is away refereeing football games, earning thousands of pounds, so it is really good to see him in his place today, prepared to vote.

Government Policy on the Proceedings of the House

Debate between Douglas Ross and Pete Wishart

Tuesday 10th October 2017 Commons Chamber

[Pete Wishart (Perth and North Perthshire) (SNP)]

Here we go again: another return to Parliament and another attempt by the Government to play fast and loose with the democratic arrangements of the House. This is clearly becoming a pattern, and the nation is starting to get really concerned and anxious about their casual disregard of many parliamentary conventions and scrutiny.

First, we had the horror of the grotesque Henry VIII powers in the repeal Bill. Then we had the Government fixing the Standing Committees of the House so that they could have a majority in each and every single one of them. Now we have all this nonsense about Opposition day debates and what the Government will or will not do in response to them. I think that I have identified the problem with this particular Government: they cannot accept their status as a minority Government. That is the basis of what we have here. They seem to be doing everything possible to try to deny that new reality, but the harder that they do that, the worse it gets for our democratic proceedings and parliamentary structures.

The Government have 317 Members out of a total of 650 Members—48.7% of the membership of the House. They are clearly a minority Government. Instead of fighting that reality, why do they not simply embrace it and accept it, then we can all get on with our business normally, with a minority Government trying to govern in this country?

[Douglas Ross (Moray) (Con)]

I thank the hon. Gentleman for giving way, particularly as he is speaking about minority Governments which his party now is in Scotland. When the Scottish National party had a majority Government in Scotland, it passed the Offensive Behaviour at Football and Threatening Communications (Scotland) Act 2012. More than a year ago, when it was in a minority Government, it was defeated by all the opposition parties in a vote and called on to repeal the Act. Can he tell me the status of that? Has his party repealed the Act, or is it failing to respect the Scottish Parliament vote?

[Pete Wishart]

I am really grateful to the hon. Gentleman for mentioning that point. I was going to come on to that, because it is really important to understand how minority Governments respond to defeats in Parliament. The right thing to do is what the Scottish Government do, which is to review, reflect and consult. Let me cite one issue as an example. We were defeated on fracking. What did we do? We did not attempt to ignore that vote. We consulted, reviewed and came back to Parliament with a ban on fracking. That is the responsible behaviour of a minority Government. I will take no lecture from the hon. Gentleman whose party’s commitment to democratic decisions extends to the hon. Member for Angus (Kirstene Hair) not even voting in the European Union referendum.

There are certain things that a party has to learn when it is in a minority situation in Parliament. The first lesson is that, sometimes, Governments get beat. They get beat here and they get beat in the Scottish Parliament. That is a feature of minority Government and it is alright—it happens. It happens normally in Parliaments right across Europe. This Government should not overly fret about it. They paid £1.25 billion to the Democratic Unionist party to ensure that they had a majority in the event of a threat to their existence. This House must also recognise how we can represent and reflect the democratic will of the people of this country. Sometimes I enjoy being lectured by Conservative Back Benchers about parliamentary sovereignty.

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[Douglas Ross]

I am a Scottish Conservative Member representing a Scottish constituency, so if the hon. Gentleman bears with me, I will speak about Scottish issues in the House of Commons. I will also speak about Governments being defeated when this Government are defeated. They have not been defeated in this House, but the party of the hon. Member for Perth and North Perthshire has been defeated. I want to come on to the point that I tried to make when I intervened on his speech. Hansard will show that I asked clearly about the Offensive Behaviour at Football and Threatening Communications (Scotland) Act 2012, but that the hon. Gentleman never once mentioned that piece of legislation in response.

[Pete Wishart]

Will the hon. Gentleman give way?

[Douglas Ross]

Yes, if the hon. Gentleman is now going to tell me what has happened to that piece of legislation that needed to be repealed.

[Pete Wishart]

It is interesting that all that Theresa’s Scottish Tories ever do is to get on their feet and talk about the Scottish Parliament. In case it has evaded the hon. Gentleman’s attention, he was elected to serve in this House. As for the 2012 Act, a review is under way to examine hate crime legislation in response to the vote in the Scottish Parliament. That is how a minority Government should respond to a defeat in a Parliament.

[Douglas Ross]

I am sorry, but as the hon. Gentleman has totally misunderstood what is happening in Scotland with this piece of legislation, it is important that I provide a potted history of what happened. It was introduced by a majority SNP Government in 2011 with no support from the Opposition parties. Legal experts told them that it was wrong, a senior judge went on to say that the legislation was “mince”, and then a Labour MSP’s consultation on repealing the legislation attracted 3,000 responses, 70% of which said that the Act should be repealed. What is happening now? I will tell you. In November last year—