Furniture Poverty

Jess Brown-Fuller Excerpts

Wednesday 6th November 2024 Westminster Hall

[Sam Carling]

I thank my hon. Friend for raising that point. He cites the specific statistics in his constituency; I am sure we will hear more in the Minister’s response about the Government’s plans to address that situation.

Starkly, if someone has a disability, they are three times more likely to be in furniture poverty than non-disabled people. The issue is at its worst in the social rented sector. Only 2% of social properties come with any furniture at all, meaning that most people move into an empty box, not a home. That means that more than a quarter of social tenants are in furniture poverty.

Landlords also often throw away any furniture that is left when tenants move. That extends, most absurdly, to flooring. Nearly 760,000 adults in the social rented sector are living without flooring. That means walking around on cement, wood with nails sticking out, or dirty underlay. That is often because it is ripped up by landlords when previous tenants leave, supposedly because the floor might be dirty. In most cases, perfectly good flooring is removed just because it is the quickest and easiest thing to do. That means that tenants have to put in flooring themselves. Data from May this year show that 83% of residents self-funded floor coverings, with only 1% receiving support from their landlord.

Very few charities or local welfare schemes cover flooring, meaning that many just have to make do with nothing. Beyond being a hazard, a lack of carpet or adequate flooring makes a property far colder in winter, increasing heating costs. The Welsh Government recently took the extremely welcome step of requiring social rented homes to provide flooring from the point of let, regardless of whether properties are considered furnished or not. I strongly encourage the Government to follow the lead of our Welsh colleagues by bringing in a similar measure, as we review our own decent homes standard.

In the private rented sector, things are better, with 29% of properties let as furnished, which provides tenants with choice. However, there is ambiguity over that figure. It could include serviced flats for those with higher incomes. There is also no legal definition of a furnished property, meaning that what counts as furnished can vary from landlord to landlord and property to property. Some properties are advertised as furnished, only for tenants to arrive and find they do not have a mattress, cooker, fridge or another essential furniture item.

I have personal experience of that. When I moved into a new flat in August, I arrived to find there was no mattress to sleep on. I had to order one myself at short notice, but I am lucky to have been able to do that. So many people are not able to deal with significant unexpected expenses like that. I firmly believe that we need to define formally what “furnished” means, to empower tenants to challenge landlords who misleadingly advertise properties as furnished.

We have unfair trading regulations that should protect tenants but, when landlords are able to define “furnished” however they please, and with many not providing inventories of properties until a lease agreement has been signed and a tenant has been locked in, tenants cannot use those regulations effectively to challenge misleading practices. Other countries already have a legal definition—France, for example—so it would not be an unusual step. There are ample opportunities for us to do it, either through the decent homes standard, as we review it, or in secondary legislation arising from the Renters’ Rights Bill.

Other problems in the sector can exacerbate furniture poverty, with the sheer levels of rent people pay in the private sector being a major one. Private renters spend on average more than the recommended maximum of 30% of their wages on rent, which can make it difficult to buy or replace costly items. It is also possible that replacement furniture items are required more often in the private sector, due to mould and damp, given that a higher proportion of homes in the sector do not meet the decent homes standard compared with other forms of tenure. I welcome the fact that the Government have already taken steps to address that situation in the Renters’ Rights Bill.

I want to highlight some of the work done by charities and local authorities. End Furniture Poverty, a charity based in Liverpool, is the leader on research in this area and I have drawn on its useful statistics throughout my speech today. End Furniture Poverty has worked with councils up and down the country, including Liverpool city council; in Liverpool more than 50% of social landlords have pledged to start a scheme to tackle furniture poverty. It has also worked with Cambridgeshire county council. Next week at its parliamentary event, I look forward to the presentation of End Furniture Poverty’s work and to hearing how that will affect my constituents in North West Cambridgeshire.

However, although charities do good work, they cannot do it all and they have been impacted by the difficulties in local government finances under the last Government.

[Jess Brown-Fuller (Chichester) (LD)]

I am sure the hon. Member will join me in celebrating Second Chance Chichester, which in my constituency is working with an organisation of crafters to restore furniture, in order to make sure that local families have access to the essential furniture they need. However, because of pressures in local government, it is becoming increasingly hard to get grants for the charitable work that it does. Does he agree that the local government settlement cannot come soon enough?

[Sam Carling]

I have been a councillor myself for a number of years, so I am very much aware of the difficulty that local government is facing and I agree that we need to see improvements in that regard. The situation is extremely difficult for the Government, of course, given the horrendous inheritance that we have had from the previous Government on this issue and on the broader economy in general. However, I certainly look ahead, especially to the multi-year settlements that the new Government have pledged to bring forward, which will be incredibly useful for councils.

In February, three in 10 charities that work with local authorities said that they expected their funding to fall, but even charities that derive no income from local government felt that challenges in local finances would affect them, with 33% of them saying that there would be a knock-on effect for their organisation.

What can be done about furniture poverty? There is a case for some work to be done on local welfare assistance. These schemes are an ideal source of support for people who require one or two essential furniture items. They also provide vital assistance for food and fuel, and many of them offer a wide range of other support. However, budgets for local welfare assistance have dwindled over the past decade, after responsibility for schemes was devolved from central Government to local government and as local authority budgets have been greatly reduced. That is the key point. Devolution is not a bad thing, but it must come with the funding to deal with the new powers.

Right now, 36 local authorities have closed their local welfare scheme, meaning that whether people can get the support that they need has become something of a postcode lottery. That is no huge surprise given the perilous state of local government finances after the last Government’s failures. The new Government’s extension to the household support fund in the Budget is very welcome and will be vital to so many people who need it.

What will be key is effective regulation of the social and private rented sectors. The statistics from the social rented sector are stark. Social landlords need to provide more of their stock as furnished, and I believe that potential legislative routes to achieve that should be considered. In the private rented sector, the Renters’ Rights Bill does much to tackle the overriding issues that exacerbate furniture poverty for renters and shows how important regulation is. I encourage the Government to consider the small, additional regulatory changes that I have outlined in this speech, which could make a real difference to people in furniture poverty.

I appreciate that because this issue is a cross-departmental one, the Minister may not be able to respond to all of my points, in which case I ask her to raise any outstanding points with the relevant Minister and ask them either to write to me or to meet me to discuss them. That would be very helpful.

I will end there and defer to colleagues, who I know have lots of valuable contributions to make.

Carer’s Allowance

Jess Brown-Fuller Excerpts

Wednesday 16th October 2024 Commons Chamber

[Alison McGovern]

Apologies, but I feel that I should keep going.

Means-tested benefits can help where appropriate. Universal credit, for example, pays an extra £2,400 a year to unpaid family carers. I do not underestimate the challenges within the universal credit system, and we want to ensure that carers who need it get that support. As I was saying to the right hon. Member for Kingston and Surbiton a moment ago, we are looking at different aspects of the system, including by reviewing universal credit to ensure that it does the job we all want it to do. We will set out the details in due course.

Pension credit can also be paid to carers at a higher rate than what those without caring responsibilities receive, and over 100,000 carers receive an extra amount of pension credit because of their entitlement to carer’s allowance. However, we think that as many as 760,000 pensioners who are eligible for pension credit are not receiving it, which is why the Government have already taken action to drive up pension credit take-up. Last month, we started a national campaign to encourage eligible pensioners to check their eligibility and apply. We are asking local authorities to support that and, as the House will know, the Secretary of State and the Deputy Prime Minister wrote to them in August.

Following that, we have seen a 152% increase in applications for pension credit since 29 July, with almost 75,000 applications in just eight weeks. In November we will write to around 120,000 pensioners in receipt of housing benefit who may be eligible but are not currently claiming pension credit, and I encourage all family carers to check that they are receiving all the support to which they are entitled. The gov.uk website has lots of information on carer’s allowance, and 90% of people claim online, although traditional paper forms are available for those who want to claim it that way. I know that organisations such as Carers UK and Citizens Advice are also on hand and do a fantastic job of giving advice.

Financial help for carers is really important, but it is only one pillar of a proper support system. All of us need a balance in life, and that is important for carers too. Most carers of working age want to consider working in some form, and not just for financial wellbeing but to enhance their life and the life of the person for whom they care. We want to help family carers combine their caring responsibilities with paid work where they can. We will review the implementation of the Carer’s Leave Act 2023, which gave unemployed carers a right to time off work for the first time, and we will explore the benefits of paid leave while being mindful of the impact of any changes on small employers. Through the Employment Rights Bill, we will ensure that flexible working, which can play such an important role in helping carers to balance their work and caring responsibilities, is available to all workers, except where it is genuinely not feasible.

The Government will carefully consider the findings of Lord Darzi’s independent review of the NHS, which is very clear about the need for a fresh approach to supporting family carers. Caring is a demanding role in which no one can function at their best without ever having a break, and the better care fund includes money that can be used for unpaid carer support, including short breaks and respite services for carers. As I mentioned at the beginning of my contribution, we will ensure that family carers’ voices are heard as we develop plans to create a national care service as part of our reforms to adult social care.

Every day, unpaid family carers step up when loved ones need their support. Without the contribution of family carers, our country would not function. The pressure on social care in this country is already unbearable; without unpaid family carers, it would become completely untenable.

[Jess Brown-Fuller (Chichester) (LD)]

For all the talk of a £22 billion black hole, the value that carers give to the economy is £162 billion. Does the Minister agree that it is an absolute scandal that many carers are struggling financially?

[Alison McGovern]

Our country is in a very serious financial situation indeed. As I said at the beginning of my speech, anyone who thinks that the issue of care ought not to be right at the top of the political agenda is labouring under a serious misapprehension.

This is an important subject, which is why I am proud of the first steps that this Government have already taken to improve support for carers and to address the overpayment of carer’s allowance, which has caused so much distress for thousands of people. This shows our commitment to recognising and valuing the vital role that carers play in our communities. Of course there is much more to do, so it is my hope that, as we deliver the fundamental change that we need, we can work together with carer organisations and with carers themselves with a renewed sense of purpose to ensure that carers get all the support they need to carry out the incredible work of caring and to live full and fulfilled lives.

--- Later in debate ---

[Mel Stride]

No, I would not. I am not ruling out the possibility that it may yet become a mess, but certainly on our watch it was never a mess. In fact, it dispenses about £280 billion-worth of transfer payments both to pensioners and through the benefits system, and by and large it does a remarkable job in doing that efficiently. I want to pay tribute to all the officials and civil servants that work in that Department. They work incredibly hard and, for the vast majority of their time, produce outstanding results. None the less, of course, we can always point to elements of the system where things break down, and we must always strive to get better. That is why I welcome the Government’s review.

The suggestion that the Government should not seek the repayment of overpayments is absurd. We cannot go that far. If someone goes over a threshold, we cannot say, “Do not worry about it.” We might as well not have the threshold in the first place. By all means, change the threshold—that may be a perfectly legitimate thing to do. Otherwise, the threshold should be removed altogether.

Some Members will perfectly legitimately raise failings in the system, but when I was Secretary of State there were examples of fraud. For instance, one individual was working 100 hours a week as a taxi driver while apparently still having the time to spend 35 hours a week looking after a loved one. To my mind, that is clearly fraud, so we cannot write off absolutely everything. The Department does the right thing by looking at this issue on a case-by-case basis.

[Jess Brown-Fuller]

If a carer receives a bonus from their employer for doing a good job and it takes them over the threshold, should they lose their carer’s allowance?

[Mel Stride]

Quite possibly not, which is why the Department operates on a case-by-case basis. That is the correct approach, rather than a blanket approach that says it does not matter if someone goes over the threshold. As I said, if there is never going to be a requirement for repayment, we might as well not have a threshold at all. In some cases, going over the threshold is egregious. The Government know this, and they will have to take it into account.