(2 years, 5 months ago)
Westminster HallWestminster Hall is an alternative Chamber for MPs to hold debates, named after the adjoining Westminster Hall.
Each debate is chaired by an MP from the Panel of Chairs, rather than the Speaker or Deputy Speaker. A Government Minister will give the final speech, and no votes may be called on the debate topic.
This information is provided by Parallel Parliament and does not comprise part of the offical record
It is both.
Members have taken so much interest in the debate, and I appreciate the level and depth of information that they have brought to it.
I asked a question about contact with the regional devolved Administrations, in particular the Northern Ireland Assembly, regarding those in privileged positions, to ensure that the protocol and protections that will happen here can filter out to the regional devolved Administrations.
The hon. Gentleman is absolutely right. We must work in close conjunction with the devolved Assemblies on anything that happens in the UK Parliament.
(4 years, 10 months ago)
Commons ChamberIt is my pleasure to try to answer my hon. Friend. They are there for a five-day period, meeting all the experts in the region with three sessions covering the three different areas that they are visiting. They will then do a rapid assessment of the assistance that Australia is asking for, and we are ready to assist in any way we can.
Congratulations on being re-elected, Madam Deputy Speaker; we are very pleased to see you in the Chair.
I thank the Minister for her statement on the Australian wildfires. If the area of land that has been burning was imprinted on the United Kingdom mainland map it would reach from Newcastle straight across and halfway down, as far as London—a vast area. Soil will need to be resown, trees replanted, animals replaced and farms restocked. What help can the United Kingdom Government give Australia, given that the United Kingdom of Great Britain and Northern Ireland has great expertise in abundance?
(5 years, 8 months ago)
Westminster HallWestminster Hall is an alternative Chamber for MPs to hold debates, named after the adjoining Westminster Hall.
Each debate is chaired by an MP from the Panel of Chairs, rather than the Speaker or Deputy Speaker. A Government Minister will give the final speech, and no votes may be called on the debate topic.
This information is provided by Parallel Parliament and does not comprise part of the offical record
It is an absolute pleasure to serve under your chairmanship, Mr Austin. I congratulate my hon. Friend the Member for Faversham and Mid Kent (Helen Whately) on securing this important debate and on her tireless work on rights and protections for holiday caravan owners. Fifteen other Members have made estimable contributions, and I commend them all; they really know their stuff, and it has been a great debate.
Last year, my hon. Friend brought to my attention her concerns about some terrible issues facing holiday caravan owners on a mixed-use caravan site in her constituency. Since then, she and I have had fruitful discussions to better understand the issues. Some of those issues fall within the Department for Business, Energy and Industrial Strategy; I extend my thanks to the Minister for small business, consumers and corporate responsibility—the Under-Secretary of State, my hon. Friend the Member for Rochester and Strood (Kelly Tolhurst)—for her interest in the matter. We have already had discussions and agreed several actions for both our Departments, and we hope to update my hon. Friend the Member for Faversham and Mid Kent on them over the coming weeks.
Several important issues have been raised today about the rights of holiday caravan owners and the challenges that they face. The Government have already introduced significant protections for holiday caravan owners. Planning permission may be granted for part of a site to be used for holiday purposes and other parts for residential purposes; I understand that my hon. Friend’s concerns relate to such mixed-use sites. Sadly, our discussion will not include the information that Sonia McColl was after, because we are talking about holiday sites.
Those who live permanently on the residential part of a mixed-use site are protected under the Mobile Homes Act 1983, but as we have heard, that protection does not extend to holiday caravan owners on the site. The local authority will also issue a site licence once planning permission has been granted, but before I talk about site licensing, let me address my hon. Friend’s queries about the rights of holiday caravan owners.
As my hon. Friend highlighted, some holiday caravan owners end up living permanently on their holiday sites, for complex reasons. Some consumers see holiday caravans as a cheaper option—my hon. Friend the Member for Chichester (Gillian Keegan) mentioned the disgraceful situation facing first-time buyers—and may buy them without seeking legal advice, which obviously should not happen. Some holiday caravan owners can end up living permanently on the holiday site because they have been mis-sold their holiday caravan by a rogue site owner who has presented it as being suitable for residential use. That can put them under huge financial pressure, so I understand the suggestion to tackle the problem by extending the protections of the 1983 Act.
The mobile homes legislation, which sets out the contractual relationship between a site owner and a resident, applies only to those on sites with planning permission for residential use. Applying it to all holiday caravan owners would mean such accommodation no longer being available in the tourism sector. As we have heard from my hon. Friends the Members for Boston and Skegness (Matt Warman) and for Wells (James Heappey), and from my right hon. Friend the Member for New Forest West (Sir Desmond Swayne), it is important that we protect the holiday sector and the many benefits that it provides.
The Government have already introduced significant protections for holiday caravan owners under consumer legislation. What is required is to ensure that prospective purchasers of holiday caravans are aware of the rights and responsibilities available to them under consumer law. The rules, which are designed to protect individual buyers from unfair commercial practices, are set out in the Consumer Protection from Unfair Trading Regulations 2008. Breaches of those rules are a criminal offence. In 2014, they were supplemented to provide a private right of redress for consumers who have fallen victim to misleading commercial practices such as presenting a holiday caravan as a permanent residence, hiding information, or providing information in an unclear, ambiguous or untimely way.
Sometimes purchasers do not know that their property will depreciate massively within a year or two. They need to be told that at an early stage.
As ever, the hon. Gentleman brings luminosity to the problem.
As my hon. Friend the Member for Faversham and Mid Kent knows, enforcement of the legislation is the responsibility of the local authority trading standards service. There are already strong penalties for mis-selling by providing misleading advice or omitting material information: it is a criminal offence punishable by a fine on summary conviction, up to the statutory maximum, or up to two years’ imprisonment, as my hon. Friends the Members for Waveney (Peter Aldous) and for Wells mentioned.
(6 years, 6 months ago)
Commons ChamberCan the Minister confirm that in areas where rental accommodation is extremely expensive, there is help for those who need discretionary payments in order to make the weekly rental payments? Is this something she is able to do?
I do not know whether the hon. Gentleman is specifically referring to Northern Ireland or anywhere else—
In Northern Ireland, we have a discretionary payment that sometimes enables provision to be made where rents are higher. Is the system similar on the UK mainland?
Again, I stress that this Bill is England-only, but there are such opportunities. There is a local housing rate and then there are discretionary housing payments that can be made above that.
I come to amendment 3, the final amendment. I fully understand the motivation behind this amendment, which would extend the Bill to housing association landlords—this was the point made by the hon. Member for Bath (Wera Hobhouse), I believe. However, as I said in Committee, we have some fundamental concerns about this amendment. First and foremost, local authorities and housing associations are very different entities. Housing associations are private, not-for-profit organisations which make a significant contribution to affordable housing supply. I am sure Members will agree that we all want to see more affordable homes built. It is therefore vital that housing associations remain in the private sector, so that they can borrow funding free of public sector spending guidelines, to build the affordable housing we so greatly need. For that reason, we must avoid imposing any unnecessary control that might risk reversing—
(6 years, 7 months ago)
Commons ChamberI am grateful to the right hon. Member for Knowsley (Mr Howarth) for raising the important issue of cable standards and fire safety. He has spoken about the Safer Structures campaign. Ministerial officials met representatives from the campaign last week to discuss issues around cable fire safety, and I hope that dialogue can continue.
Any debate about fire safety is of course overshadowed by the terrible events at Grenfell Tower last June. We must ensure that an event such as that cannot happen again. The public inquiry is looking at the circumstances of the fire, and we have commissioned an independent review of building regulations and fire safety to ensure that we have a regulatory system that is fit for purpose to deliver safe buildings.
When considering the fire safety of cables, there are three main aspects. The first is cables continuing to provide power to life safety systems in the event of fire. This is known as fire resistance of cables. Secondly, is the way in which cables burn, including how much smoke they produce. This is different to fire resistance and is known as reaction to fire. The third aspect is cables collapsing in a fire and preventing people from evacuating the building or hampering emergency services. I will set out how each of these aspects is controlled within the current system.
The right hon. Gentleman referred to European legislation. He was referring to the construction products regulation, which governs how construction products are placed on the European market, including those in the UK. The regulation works by requiring that products covered by a European harmonised standard must have a declaration of performance against key characteristics and must be CE marked. The European standard for cables, EN 50575, came into effect, as he said, in July 2017. This means that all electrical cabling should be tested for their reaction to fire and assigned to a performance class, which should be set out in the declaration of performance. It is up to member states, exactly as the right hon. Gentleman said, to determine whether they wish to set a minimum performance class through, for example, their building regulations. I would like to set out the ways in which our current regulatory system controls the safety of electrical cables in buildings.
The Government set standards for fire safety in buildings through part B of the regulations and approved document B. Approved document B contains guidance for the minimum fire resistance of electrical cables to ensure that life safety systems, such as fire alarms and emergency lighting, can operate during a fire. Also in approved document B are standards that attempt to prevent the spread of fire within a building—for example, in concealed voids where there may be large concentrations of electrical cables. Guidance states that physical barriers should be present to prevent fire and smoke spread within the void and throughout the building.
There are further standards for cables in electrical safety standards. The building regulation part P and the electricity at work regulations set requirements for electrical safety of work in homes and workplaces respectively. In both cases, the approved way to comply is to follow the British standard BS 7671, commonly known as the IET wiring regulations. BS 7671 is a long-standing and well-respected document, which sets a high standard for the electrical safety of installations, as the right hon. Gentleman said. Providing good-quality electrical work, in compliance with BS 7671, is the best way to reduce the risk of electrical fires starting in the first place. An example of BS 7671 improving standards is in requiring fire resistant supports for cables to prevent the cables collapsing in the event of a fire. This has been in the standard since 2015.
The BS 7671 standard also sets requirements for the reaction to fire from cables, equivalent to class E in EN 50575 under the construction products regulation. I am aware that BS 7671 is due to be revised in July 2018 and my officials have been working closely with the technical committees responsible for its contents. It is my understanding that the approach to reaction to fire is not due to change in the new edition, although there will be some further clarification on fire resistance supports for cables and a new reference to the requirements of the construction products regulation. I will be asking my officials to review the 18th edition of BS 7671 when it is published in July, and considering how we might reference the updated standard in our approved documents in future.
I understand that parts of the electrical cable industry think that the standard for fire reaction of cables should be higher. I am aware that there are differences of opinion on this matter within the industry technical committees and between different cable manufacturers in the UK. Some parts of the industry favour setting cable performance in response to the risk, which is how the existing system works, while others are asking the Government to set a blanket standard for all cables. I mentioned earlier that we have commissioned an independent review of building regulations and fire safety, as the right hon. Gentleman said, which is being led by Dame Judith Hackitt. Dame Judith’s interim report was published in December. In it, she identified product testing and quality assurance as one of the key areas she will focus on as she drafts her final report.
How can the Minister encourage electrical contractors to adhere to the new conditions to ensure that cables are sound and homes are safe?
I thank the hon. Gentleman for his second contribution tonight—the usual high standards for Strangford. The important thing is that BS 7671 in its 18th iteration will have that at its heart, because what we all want is safe cabling for the future for all our sakes.
I mentioned the independent review of building regulations. Dame Judith’s interim report was published in December. She is looking at identifying product testing and quality assurance as one of the key areas that she will focus on as she drafts her final report. I believe that that will answer the fifth question—I think—from the right hon. Member for Knowsley.
Dame Judith is due to produce a final report in the spring, after which the Government will consider her recommendations, including any specific recommendations concerning product testing and safety. I am happy to tell the right hon. Gentleman that as part of our consideration of Dame Judith’s recommendations, we will review the evidence of risk associated with electrical cabling to consider how we should respond. If he or other hon. Members have evidence that it would be useful for us to consider, please send it in to the Ministry.
In conclusion, a system of regulation is in place that controls the fire safety of cables. We do this through a number of regulations that work together to consider the fire performance of cables in the context of the building and to manage the risk appropriately. However, we recognise the importance of the issues that were raised by the right hon. Gentleman and the Safer Structures campaign. We await the recommendations of Dame Judith Hackitt’s review.
(14 years, 2 months ago)
Commons ChamberMy hon. Friend must have read my mind. The parliamentary ombudsman’s report describes the Equitable Life situation as a decade of regulatory failure, and her second recommendation is that the Government should set up and fund a compensation scheme with the aim of putting people who have suffered a relative loss back into the position they were in before maladministration occurred.
The issue facing us is the percentage of the value of the Equitable Life schemes. A report commissioned by the previous Government suggested that policyholders lost up to £4.8 billion in this debacle and proposed that they should receive a package of about £400 million. However, there is no guarantee of that figure, which has been bandied about by many. They are not new figures, and I am sure that some here could repeat them in their sleep, especially the Financial Secretary to the Treasury, who has been reminded of them several times in letters from constituents of mine, forwarded through my office, yet they bear repetition so that all here will be under no illusion about the situation.
I remind hon. Members that this is not merely a number-crunching game that we are playing; we are playing with the quality of people’s lives, and it is essential that the Bill be subject to any decision reached. In July, the Financial Secretary said in the House:
“Consistent with the ombudsman's recommendation, Sir John has advised that relative loss for an individual policyholder should be capped at the absolute loss they suffered.”—[Official Report, 22 July 2010; Vol. 514, c. 577.]
Yet I remind the Financial Secretary that when he was a shadow Treasury Minister he wanted to ensure compensation for injustice. I ask that this be done and that we compensate for the injustice that all those people have suffered over years of unnecessary struggle.
I agree wholeheartedly with Chris Wiscarson, chief executive of Equitable Life, when he said:
“Let’s not make Equitable policyholders victims three times over. First, at the hands of the regulators, as so clearly articulated by the parliamentary ombudsman”—
as colleague have indicated—
“second, at the hands of the Labour government who failed to bring closure over a decade; and now third, compensation that will be decimated if Sir John Chadwick's advice, meant for the Labour government and slated by the ombudsman, is used.”
I am aware of the financial position. We all know that we have to make hard decisions over the next few years about how the money will be spent. We are not running away from that. Indeed, I am fighting against reductions in grants that mean that Northern Ireland Housing Executive constituents are living with damp in their homes; that worthy disability living allowance recipients are being stripped of their support; and that roads are ruining cars because there is no money to fix them. I see all of that, and everybody else sees it, but I accept that we must take into account the fact that the money is unavailable. However, to compensate Equitable Life members with 10% of their investments is scandalous and can never be acceptable.
Today, it is my desire, and that of many in the House, that reasonableness be made the basis of any decision.
I wonder whether the hon. Gentleman is in the same position as I am. I have a family of constituents—two generations—affected by this problem, and the desperation of those who write to, e-mail and meet me in my constituency is phenomenal. Has he found that in his constituency too?
Yes, it is replicated, right across the United Kingdom, for families, individuals and others. Indeed, there is sometimes a whole string of people affected, including people with different jobs. It does not matter what their jobs are: they can be fishermen owning their own boats or bin men collecting bins and getting rid of the rubbish. Those are the ups and downs—the highs to the lows, and everywhere in between—so the hon. Lady is absolutely right: everyone is affected.
What really worries me is that those who are affected have reached the golden age of retirement, when their mortgage has been paid off and when they know that they do not need to work any more or slog their guts out—if I can use that terminology in this House—but have time to enjoy the finer things, such as laughter and joy with their families. The terrible, horrendous situation in which they find themselves has stripped too many of our pensioners of their joy and placed on their shoulders both financial worry and a burden that should be long behind them. Today is the day for us to shoulder some of that load and burden, and to help them along life’s road. That is our purpose as MPs in this House. Today is the day for us to step up to the mark and reset the balance for those who have waited for help for some 10 years. Today is the day for action. Let it be the right action.
I finish with a quotation from a letter from one of the many people who wrote to me:
“I, like many others, in fairness expect and deserve compensation, as recommended by the Parliamentary Ombudsman and promised by the coalition Government, and not a figure based on the Chadwick advice, which the ombudsman himself described as an unsafe and unsound basis on which to proceed”.
With that in mind, I would urge hon. Members to support the legislative change and the amendments that will arise from it. In my book, Mr Deputy Speaker, that is worth fighting for.