Leaseholders and Cladding
Debate between Hilary Benn and David Lammy(4 years, 10 months ago)
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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.
Mr David Lammy (Tottenham) (Lab)
I have a building in the Tottenham Hale village with 432 people who cannot get a mortgage or remortgage. Is it the view of my right hon. Friend that that is entirely unacceptable, because fire and building regulations are rightly the Government’s responsibility? The Government should step in to support those individuals.
Hilary Benn
That is absolutely my view. My right hon. Friend anticipates what I will come on to say.