Oral Answers to Questions

Debate between Jessica Morden and Bim Afolami

Tuesday 19th December 2023 Commons Chamber

[Jessica Morden (Newport East) (Lab)]

10. What recent discussions he has had with the Financial Conduct Authority on how creditors contact customers in debt.

[The Economic Secretary to the Treasury (Bim Afolami)]

I was pleased to speak at the launch of the Money and Mental Health Policy Institute’s report on this subject last week, alongside the FCA. It is worth saying that I used to be on the advisory board of that institute. The Government and the FCA will continue to work closely to ensure that consumer protections are fit for purpose, including through our upcoming reform of the Consumer Credit Act 1974.

[Jessica Morden]

A constituent who was a victim of domestic abuse and whose ex-husband fraudulently took out a loan in her name was constantly harassed by creditors as she tried to clear the debt, and, according to a recent report by the organisation that the Minister mentioned, that is an experience shared by others. Will Ministers discuss with the FCA imposing legal limits on arrears communications in cases such as this, as other countries have done?

[Bim Afolami]

Let me say two things. First, I pay tribute to the former Financial Secretary, now the Health Secretary—my right hon. Friend the Member for Louth and Horncastle (Victoria Atkins)—who did a great deal of work in relation to economic abuse. I am committed to continuing that work with the Treasury to ensure that we limit the circumstances in which the incidents described by the hon. Lady can occur. As for the broader question of what the regulator does in such cases, we have put a record level of funding, to the tune of some £93 million, into working with regulators on debt advice. I shall be happy to discuss with the hon. Lady the details of how we can help her constituents in the way that she suggested.

Environment Bill (Second sitting)

Debate between Jessica Morden and Bim Afolami

Committee stage & Committee Debate: 2nd sitting: House of Commons
Tuesday 10th March 2020 Public Bill Committees

[Jessica Morden]

Q The Bill loads lots more powers and responsibilities on bodies such as Natural England. Given the big cuts you have faced, how much more do you anticipate you would need to take on the new responsibilities?

Alan Law: Fortunately, there is a spending review coming up. We are looking at refocusing our organisation in a way that aligns closely with the ambitions of the Bill and the 25-year plan to focus on nature recovery. That means looking to operate at a larger landscape scale and to use our statutory powers at a local authority scale, rather than solely focused at the end-of-pipe development control scale.

We welcome the powers and the ambitions set out here. I was being slightly flippant about the spending review, because wherever that money goes it goes, but our ambitions will be to refocus our organisation to use our incentive, convening, statutory advice and regulatory functions in ways that allow us to build larger-scale nature recovery.

A point was made earlier about whether we should focus on existing areas of high value for nature or wider areas. The point I want to emphasise is that we know—basic ecology tells us—that trying to protect small isolated sites over time does not work. Over the last 50 years, we have been exercising a regime that is effectively holding back the tide, stemming species extinctions on these sites. Unless we extend beyond those sites, it is inevitable that we will see losses of further species interest on these sites as the pressures from the environment and people’s activity continue to grow. This is something that we have to do and it is about rebalancing our focus to what the challenges are for the environment right now, rather than what they were 50 or 60 years ago.

Dr Young: I do not want to repeat what Alan just said, but I totally agree. I want to stress how important we feel Natural England’s role is in developing and helping to deliver the local nature recovery network and local strategies. It is able to convene partnerships, it has a wealth of knowledge and we really think it should play a central role.

[Bim Afolami (Hitchin and Harpenden) (Con)]

Q Dr Young, what role could local nature recovery strategies play in targeting funding under the environmental land management scheme? How could those two things interact?

Dr Young: There is a real opportunity to integrate policy delivery where there is a need for action to be geographically targeted. Some of the options that will be developed under environmental land management will be much more effective for the delivery of public goods and for nature if they are targeted in particular places and form a connected network. Local nature recovery strategies have a mapping element that shows opportunity areas, so they can be used to help with targeting and alignment with other policy areas, such as water policy, so that we can see multiple benefits from delivering particular actions and therefore get more value for money.

Alan Law: Your question is absolutely fundamental. It is imperative that local nature recovery strategies provide an effective mechanism for drawing together different funding streams into a coherent delivery pattern on the ground. Whether it is ELM, net gain or potentially water company investments—a whole range of sources—we need to be able to target coherently. To do that, we need a degree of consistency of standard in place around those local strategies, because how could you offer—