Leaseholders and Cladding
Debate between Geraint Davies and Hilary Benn(4 years, 8 months ago)
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Geraint Davies (in the Chair)
Before I call Hilary Benn, may I simply say that 13 Back Benchers wish to contribute? In the event that Mr Benn speaks for 20 minutes, everyone will have three minutes; in the event that he speaks for 10, everyone will have four. He is free to take as much time as he likes, and I will divide the remaining time equally between Back Benchers. Obviously, interventions will take time, but they will not result in more time for Back Benchers. I call Hilary Benn to move the motion.
Hilary Benn (Leeds Central) (Lab)
I beg to move,
That this House has considered leaseholders and cladding.
May I say what a great pleasure it is to serve under your chairship, Mr Davies? I am grateful to all colleagues present. I know that a number will wish to intervene, but the more interventions there are, the longer I will take to complete my argument, which I am keen that the Minister should hear. I think the turnout shows her the strength of feeling on this issue.
It is not difficult to understand why there are strong feelings. Imagine that someone has saved up all their money and bought their first flat. It is the home of their dreams. They move in, the future beckons, and then one day a letter drops on the mat. It is from their managing agent, and it tells them: “Your home is in a building that has now been judged a fire risk because of unsafe cladding, and as a leaseholder you must immediately—this day—start paying for a waking watch. Otherwise, all of you will have to move out of your homes.” In one case in Leeds, such a waking watch is costing each flat-owner £670 a month plus VAT, on top of mortgage payments and the service charge.
The leaseholder is probably then asked to meet the cost of putting in a fire alarm system, which may or may not reduce the cost of the waking watch. Then, to their absolute horror, they are asked to pay for the cost of replacing the dangerous cladding to make their building—their home—safe. The problem is pretty obvious to us all: they simply do not have that kind of money. Their home has been rendered completely worthless, therefore they cannot remortgage. Their insurance premium is, in all likelihood, going up, and they worry about possibly being made bankrupt because of all the costs. That could result, depending on what job they do, in the loss of their job as well as their home. Yet none of that is in any way the fault, responsibility or doing of the leaseholders.