Exiting the European Union: Financial Services and Markets

Jim Shannon Excerpts

Tuesday 16th June 2020 Commons Chamber

[Jim Shannon (Strangford) (DUP)]

Before we start, may I say that, on the fourth anniversary of the death of Jo Cox, I associate my party with what has been said and convey to all her family and friends our sincerest thoughts at this present time. She certainly was a wonderful and marvellous voice in this House. Everyone can honestly say from the bottom of their heart that they miss her contributions. Even four years later, that soreness and that sense of missing are still there.

May I say that it is good to see the Minister in his place? There would not be a banking debate where he and I were not involved in some way. I am pleased to see the new shadow Minister, the right hon. Member for Wolverhampton South East (Mr McFadden), in his place, and I wish him all the best in the future as well.

I thank the Minister for bringing this issue forward. Although this measure merely ensures that the protection established under current legislation continues, it gives me the opportunity to highlight the work that must be done for consumers in the financial industry—the Minister will know of that. We are pleased with some of the progress that has been made, but we look for more. He will have listened to me numerous times on the failings of banks, and sometimes on the need for the auditing sector and the financial sector as a whole to do the right thing for the little man. From Lloyds to HBOS, with many in between, it has long been my aim in this House to see the introduction of effective mechanisms to protect those who are not on the level playing field.

The issue of over-the-counter derivates is another area that needs special consideration, and I hope the Minister will respond on it, as we need enhanced protection. An OTC derivative is a financial contract arranged between two counterparties with minimal intermediation or indeed regulation. OTC derivatives do not have standardised terms and they are not listed on asset exchange, so an inherent aspect of them is the lack of formal regulation. Although the regulation offers lip service to that, as with so many other banking aspects it is my belief that more is needed, and many right hon. and hon. Members agree with that view. Hon, Members already know that some derivative products in the past were the basis of a number of problems during the financial crisis in 2008-09, and we now find ourselves in another crisis, perhaps something equal to that time. As the Minister knows, I have recently written to him about the 200 to 300 legacy cases for the Business Banking Resolution Service. I would like him to respond on that or to indicate when I can expect a response on the way forward. If that is possible, I would appreciate it.

This debate is about our position post-Brexit, and therefore Westminster will have control. It is our responsibility, as elected representatives, and the responsibility of the Government and legislators, to ensure that the FCA and other regulatory bodies have the appropriate regulatory powers in the future for consumer protection. I look forward to the Minister’s reply on the BBRS. The legislation is great to continue, but I believe we need more. It is not enough, but it is a giant step in the right direction.

Economic Outlook and Furlough Scheme Changes

Jim Shannon Excerpts

Tuesday 16th June 2020 Commons Chamber

[Jesse Norman]

As my hon. Friend points out, we are working very hard to protect people in employment. That is what the latest numbers recognise, with the employment number as opposed to the unemployment number. But we must be realistic about this. We are in the middle of a pandemic crisis and there will be further losses; we have to understand that. The key thing is to make sure that we are as robust, energetic and inclusive as we possibly can be in supporting people in employment and supporting them back into employment when they come out of the jobs market.

[Jim Shannon (Strangford) (DUP)]

First, I thank the Financial Secretary very much for his help on many issues that we have brought to his attention. Will he further outline what steps have been taken to mitigate the scale of redundancies in manufacturing, with special reference to Bombardier and the aerospace industry? Will he agree to meet the working group to discuss this viable industry made up of many local businesses and suppliers, such as Bombardier in my own constituency of Strangford, to save thousands of jobs in the UK in the long term?

Future Relationship with the EU

Jim Shannon Excerpts

Tuesday 9th June 2020 Commons Chamber

[Penny Mordaunt]

My right hon. Friend makes a very good point, which I agree with wholeheartedly. He is also right to put the focus on rest-of-world trade. Clearly, many decisions that will be taken in the negotiations and the workstreams going into implementing the withdrawal agreement are linked to our ambitions with rest-of-world trade. We must always remember that while the EU side of things is clearly a priority for many in this House, we ought also to be talking about the opportunities that exist with other nations around the world.

[Jim Shannon (Strangford) (DUP)]

I congratulate the Minister on her stance and her determination to deliver Brexit. Will she outline whether there have been further discussions regarding our agrifood and fishing sectors in the United Kingdom, and in Northern Ireland in particular, with special reference to the protection needed to secure our dairy, beef, pork, poultry and fish markets? What have the latest discussions brought about to ensure that that happens?

[Penny Mordaunt]

The last round of negotiations touched on all the workstreams. There was in-depth discussion across all areas, and it was very constructive on both parts, but as I outlined in my opening statement, there are some very tough areas. One of them is fishing and we are asking for our rights, as enshrined in international law, to be upheld. We are not wavering from that point, and the EU needs to recognise that.

Social Security

Jim Shannon Excerpts

Tuesday 5th May 2020 Commons Chamber

[Jim Shannon (Strangford) (DUP) [V]]

I very much welcome the Minister’s announcement today and the Government’s commitment to it. I thank you, Madam Deputy Speaker, for giving me the opportunity to speak.

Initially, the employment allowance was set at £2,000 but was increased to £3,000 from April 2016. From April 2020, the allowance may only be claimed by employers with employers’ national insurance contributions of below £100,000 in the previous tax year, a change announced in 2018. HMRC estimates that the annual cost of the allowance is around £2.2 billion.

I absolutely understand the reason for the inclusion of this measure in the Conservative party manifesto and the Minister’s announcement today, but I am a wee bit concerned that we need to be doing more to help the small and medium-sized businesses that continue to employ large numbers of people across my constituency and the whole United Kingdom of Great Britain and Northern Ireland. In my constituency and across Northern Ireland, we probably have a higher per capita percentage of small and medium-sized businesses than the rest of the United Kingdom. I welcome this measure, but we need to ensure that these small and medium-sized businesses are able to return to the position they were in, so that they can give the opportunity of employment and wages and give the economy a bit of a kick-start.

I want to say an incredibly large thank you to Frances and her staff at my local social security office, who have helped many people and given advice during this crisis. It is important that their hands are not tied by a system that understands the rules but has no discretion to understand individual circumstances.

I welcome the help that will be coming for the many charities that we and many others contribute to. I think of the National Society for the Prevention of Cruelty to Children, Cancer Care, Marie Curie, St John Ambulance and the Cancer Fund for Children here in Northern Ireland. All those charities have no or little fund raising at the moment. The moneys coming into them are direct donations. There may be other moneys coming in, but there is no fund raising taking place. The help that the Government have offered charities is very welcome, but it will never bridge the gap for the incredibly large amounts of money that they are losing.

I was very happy with the Chancellor’s decision to allow workers to be furloughed, although there will be no payment until June for the self-employed. I think also of self-employed directors—I asked the Secretary of State for Work and Pensions a question about this yesterday, and I raise it again now—who put their profits back into the business, so do not have much in the way of savings. Unfortunately, they do not get the real benefits here that they could.

I put on record my thanks to the Government and to Ministers for all that they have done. They have reached out to many people. As elected representatives, we are made aware with each passing day of others who perhaps do not tick the box—who do not fit into a certain category—and I am thinking of them. We therefore bring those people to the attention of Ministers whenever the opportunity arises.

Many of us will be in receipt of a paper from Ian Geary of the Salvation Army referring to the report that has already been mentioned, entitled “Understanding Benefits and Mental Health”. We cannot let this go by without reflecting—in a small way for this debate but in a big way for the individuals themselves—on the barriers that vulnerable groups experience, and on some of the multiple mental health challenges that they are facing. That paper emphasised that the aforementioned findings were collated before the current crisis, but it has highlighted the lack of resilience experienced by many people who need help at this moment.

Again, I welcome the provisions that we have today, which benefit the many who fall within the criteria, but there are others who perhaps fall just outside the criteria or outside the box-ticking exercise that Departments sometimes do. We need to identify and support vulnerable claimants. We need to help those with mental health issues. We need to support businesses and those self-employed people who cannot create the opportunity—

[Madam Deputy Speaker (Dame Rosie Winterton)]

Order. I thank the hon. Gentleman for his speech but we now have to move on to the Minister.

The Economy

Jim Shannon Excerpts

Monday 27th April 2020 Commons Chamber

[Mr Speaker]

Who would have thought? I call a virtual Jim Shannon.

[Jim Shannon (Strangford) (DUP) [V]]

Thank you very much, Mr Speaker. I am here virtually, but at a distance.

I thank the Chancellor for all he has done, is doing and will do in the future. Some in the hospitality sector, in particular private bus companies, do not have premises and fall just outside the present small business support scheme. Will the Chancellor agree to extend the scheme? Similarly, the coronavirus bank loan scheme has had 36,000 applications, but only 16,000 have been approved. Will the Chancellor ramp up underwriting cover from 80% to 100%, as other countries have been doing?

[Rishi Sunak]

What I would say to the hon. Member is that the new bounce-back loan scheme announced today does come with a 100% guarantee for loans of 25% of turnover up to £50,000. Given the structure of the Northern Irish economy that he knows so well, which is full of microbusinesses, I believe that that in particular will be a very significant intervention that will help the Northern Ireland economy.

Oral Answers to Questions

Jim Shannon Excerpts

Tuesday 24th March 2020 Commons Chamber

[Jim Shannon (Strangford) (DUP)]

I thank the Minister and the Department for all they are doing for businesses at this time; it is much appreciated. Will the Minister further outline whether he has managed to close the loophole that enables massive companies such as Amazon to operate out of the UK yet pay little tax here? If not, what has been done to ensure that no one is exempt from paying appropriate tax in the UK if they trade in the UK?

[Jesse Norman]

I thank the hon. Gentleman for that question. He will be aware that, in the Budget, we left in place our digital services tax, which is specifically designed to look at online marketplaces and other areas online that have user-generated content that needs to be appropriately taxed. We continue to pursue that tax.

--- Later in debate ---

[Rishi Sunak]

I am happy to look at specific suggestions. I pay tribute not only to my hon. Friend’s council but to all councils for the sterling work they are doing in delivering our grant schemes to many of their small local businesses. We are in dialogue already with the Ministry of Housing, Communities and Local Government, to ensure that councils’ cash-flow needs are adequately met. There are things we are doing actively in terms of the timing of the various grant payments we make, to ease some of the near-term cash-flow pressures.

[Jim Shannon (Strangford) (DUP)]

Can the Chancellor clarify whether the emergency cash grant scheme is intended to help per shop for businesses with more than one premise in different towns, or is it just for the business as a whole?

[Rishi Sunak]

The detailed eligibility criteria are online and will be provided by local authorities. The grants of £10,000 are done on a per premise basis for businesses that are in receipt of small business rate relief and rural rate relief. There are larger grants for those in the retail, leisure and hospitality sector of up to £25,000. The Business Secretary has written already to local authorities, which are, as we speak, writing to businesses that are eligible for those grants to seek their bank details and start making cash payments as soon as is practically possible.

Self-employed Persons: Financial Support

Jim Shannon Excerpts

Tuesday 24th March 2020 Commons Chamber

[Steve Barclay]

Again, that is quite right in terms of the self-employed, which includes many hairdressers, but my right hon. Friend will also be aware of measures we have already taken—they will support many hairdressing businesses—such as the business rate relief and the grants. The £10,000 grants targeted at the 700,000 smaller businesses are, again, part of the package of measures to apply to some of that population. However, it is clear from many of the questions that populations are not tightly set, and that there is a degree of overlap and underlap, which is what we are working through.

[Jim Shannon (Strangford) (DUP)]

Many farmers are self-employed, often on family farms, with a husband and wife team, or a son or daughter. The Minister and others in the House will know that lambing is taking place now, and the first lambs will be sold in July, but the prices for lambs and beef cattle are the lowest they have ever been. What help will the Minister and Government give to farmers who face financial ruin at this time?

[Steve Barclay]

As I see from the farmers in my own constituency, there is considerable demand from for UK-produced food. I am very happy to continue to work with the hon. Gentleman, and we have often had conversations about farming issues in the past. I am happy to continue those conversations, alongside those with the Secretary of State for Environment, Food and Rural Affairs, about how we support our farmers, but I think their products will be in great demand moving forward.

Contingencies Fund Bill

Jim Shannon Excerpts

Committee stage & 2nd reading & 2nd reading: House of Commons & Committee: 1st sitting & Committee: 1st sitting: House of Commons
Tuesday 24th March 2020 Commons Chamber

[Kevin Hollinrake (Thirsk and Malton) (Con)]

I am delighted to speak in this debate and to follow the hon. Member for Gordon (Richard Thomson), who made some salient points. I endorse his tribute to the NHS and to all our public sector workers. I do not know if anybody has seen the news recently, but a terrible tragedy has happened in Spain, where elderly people in care homes were abandoned and left to die in their care homes by the staff. I cannot believe that would ever happen in the UK, and I think it shows how brave many of the people working in our public sector are when faced with these terrible crises.

I should first draw the House’s attention to my entry in the Register of Members’ Financial Interests, as I always do on these occasions. As well as being a Member of Parliament trying to stand up for the interests of my constituents—many businesses have contacted me over the last few days and weeks—I look at these matters from a business perspective. I have been involved in that business for 30 years, and when we had a board meeting on Friday, the first conversation we had—I guess like many businesses—was not about cuts to the number of people we employ, but about how much we could cut our salaries as board directors by. I think most board directors have an appropriately sensible approach to this. We all know this is going to be a very difficult crisis for many businesses. I pay tribute to the Treasury, the Chancellor and the Financial Secretary for putting together a package of support that is unheralded—not just in its size, but in its comprehensive nature and the speed with which it has been delivered.

The job retention scheme in particular was a massive relief to many business people. Back in 2008, we were faced with taking our workforce down from 200 people to 65 within 12 months, as the bottom fell out of our business and out of the market. The most destructive aspect of that—aside from the terrible human cost of sitting down with people with whom one had worked in some cases for decades and telling them that the business could no longer afford to employ them—was that it cost a huge amount of money to make them redundant. That puts the business in a critical condition, which means that more people have to be made redundant. I do not begrudge anybody the redundancy payments that were due, but for a private business that is a very difficult thing to have to do.

The job retention scheme insulates many businesses from that, because instead of having to lay people off or make them redundant, the business can say to them, “You can stay at home at the moment. You’ll continue to be paid a fair amount to get you through this short-term crisis, then we’ll bring you back into the fold.” That eases the financial pressure on the business in an important way. It is a really excellent scheme. There are of course some missing details, which I know we will get in good time, in particular whether earnings will include things such as commission and whether the Government payment will include things such as national insurance. Many businesses have questions that I am sure will be answered in good time.

The other element of the package is the business rate grant scheme, which many businesses have welcomed. Of course, many self-employed people, including sole traders and freelancers, are outside the scheme—a point that I will touch on in a second.

I want to raise one or two points about the business interruption loan scheme. Obviously we want as many businesses as possible to take advantage of the scheme, but one big concern is about security. The scheme is based on the enterprise finance guarantee scheme, which included personal guarantees. I understand that the new scheme will not include them—I have been told that from the Dispatch Box today on an urgent question—but it would be helpful if the British Business Bank website said clearly that that is the case. It does not say that at the moment, which could deter some people from applying in the first place. All it says is that security can be taken

“At the discretion of the lender”.

I have had personal guarantees for most of my business life, and I think most people would expect a business person to have some skin in the game, but this is a different situation. It is very difficult to quantify the impact of this crisis on a business. The Government have rightly stated that there will be no personal guarantees, which I assume means that people’s family homes should not be put up for security either. That being the case, it would be helpful to clarify that point, because that would increase demand.

The other point is that at the moment the banks eligible for that scheme number about 40, but there are many outside it. Those not eligible for the previous British Business Bank scheme, the EFG, will not qualify for access to the current scheme. Therefore, customers of OakNorth, Aldermore or one of the many alternative providers in the marketplace today cannot access the scheme. The normal process for applying for that scheme is somewhere between six and 18 months, which is clearly far too long. I think that the Treasury has committed to try to accelerate that process—or the British Business Bank has—but it will still take a matter of weeks, and businesses cannot wait weeks for this money. They need it in a matter of days.

It is absolutely essential that we get that support to businesses now, so I politely ask the Minister whether he will look at that and perhaps get the Bank of England to set up a new scheme directly with some of those lenders, many of which are very bona fide lenders. Of course, the right checks and balances have to be in place, but these are authorised, regulated banks, so it would be good to ensure that all lenders can get finance to all customers.

The other thing about how business will view this crisis is how long it is likely to last. Businesses are much more likely to take a loan, from anywhere, if they think they can get through this and quantify the losses or how long their revenue will be affected. I worry about the current situation, because we are telling people that they can go to work as long as they cannot work from home and as long as they socially distance themselves when they get there. I think that was one reason for the confusion and why Filey in my constituency and many other beautiful market towns were packed out with visitors, who felt they could go to those beautiful places and socially distance themselves while they were there, which clearly they cannot if there are too many people there. It is the same in a workplace environment. I can see that, because of the uncertainty about who can actually go to work—we have not restricted it to key workers or essential workers, to my understanding—lots of people are building houses on construction sites and whatever else they are doing. They are going to work because they cannot work from home and they feel they can socially distance.

From a business point of view, I would personally prefer to have a complete lockdown for 30 days. We know that, in China, after a full lockdown for 14 days, cases peaked, and after 30 days, cases stopped, and all the coffee shops, Starbucks, Apple and the car dealerships opened again. That gives us hope that we can tackle and defeat this virus within 30 days, if we do the right thing. If we are equivocal about it and it is confusing, people will continue to go to work and continue to spread the virus.

From my business perspective, a short, sharp shock is much more appealing. I would know that, if I applied for a business loan from the new scheme, I could quantify how much I would need, if I had the confidence that the timescale would be limited in that way.

I have a couple of other points that I think would be useful. Ideally, the Government should not have to step in to support businesses at any point in time. The markets should deliver that themselves, with finance coming from banks or investors through to businesses. Venture capital trusts have limits on how much they can put into businesses—up to £5 million on an annual basis and £12 million as a lifetime limit into a particular business. Because of the unprecedented nature of this crisis, it would be useful to double those limits so that venture capital trusts, which invest in many good businesses, can see those businesses through a tough time. Otherwise they will not be able to get the extra money into those businesses that they need. It could be a temporary change, and it would potentially save many businesses.

On the self-employed, we have understandably heard lots of calls for more help for the sole trader. Many different people in my constituency have contacted me. They desperately need some help, and I do understand that. Within that cohort are some very vulnerable people, including mortgage prisoners. I have corresponded with many mortgage prisoners, as have other hon. Members, and many are self-employed. They are in a particular situation in that their earnings are being very badly damaged now, and they have been paying huge mortgage rates for too long. Many of the mortgage prisoners’ loans have been sold to non-UK lenders—inactive lenders—and the regulatory oversight of those lenders is much reduced compared with UK lenders. In my view, it is an absolute disgrace that we allow UK mortgage customers’ loans to be sold to a foreign entity, over which we do not have the same oversight, so we cannot properly control the activities of those lenders. We need to bring all those lenders within the same regulatory scope. Some of those mortgage prisoners are on very high standard variable rates of around 5%, and even up to 6%. It is simply unfair . A year or two ago, we brought in a standard variable rate cap in the energy sector. I wonder whether the Minister could look to do the same thing in this sector to ensure that those people are treated fairly.

I do a lot of work with the all-party group on fair business banking. Most bankers do the right thing—the vast majority of banks and bankers I meet and have banked with over more than 30 years in business have looked after my business fairly. Clearly, that does not always happen, given the 2008 scandal in small business banking. It is time now for the banks to do the right thing and to work with the Government on the business interruption scheme.

Another issue is that the rates that banks charge on personal loans and overdrafts are not coming down, despite the reduction in base rate—in fact, quite the opposite. The Financial Conduct Authority, in its wisdom, decided that everyone who had an overdraft should pay the same whether it was an authorised overdraft or an unauthorised overdraft. It told the banks that they could not penalise people for unauthorised overdrafts, so everyone has to pay the same. The rate for authorised overdrafts used to be somewhere between 3% and 15%, and unauthorised overdrafts used to have a fixed daily charge and a much higher rate. So the banks made them all the same, and here are the rates being charged today for authorised and unauthorised loans: First Direct, 39.9%; HSBC, 39.9%; Lloyds Banking Group, 39.9%; Nationwide, 39.9%; and NatWest, 39.5%. It is simply disgraceful. Everybody is paying the higher rate. It smacks of a cartel, as well as profiteering and overcharging.

[Jim Shannon (Strangford) (DUP)]

Last Friday, four or five businesses in my constituency came to see me, looking for help because of the coronavirus. The first constituent told me that he had asked for his loans to be reduced, but the bank—I will not say which one it was—said, “No, what we’ll do is charge you £100 for each amount of money that you’ve borrowed, and then we’ll charge you interest at 6% on top of that.” Does the hon. Gentleman agree that, in these difficult times, that is totally outrageous? The banks should be there to help, not to take advantage.

[Kevin Hollinrake]

I thank the hon. Gentleman for that contribution, and indeed for all the work he does on the all-party parliamentary group on fair business banking and for the many speeches he has made on the matter. I absolutely agree. The two best things that I have heard the Treasury say over the past two weeks—and there have been many—are, “We will do whatever it takes” and, “We are all in this together.” The banks should take that approach as well. I and many other Members of the House will be watching to make sure that this time the banks do the right thing and restore their reputation.

Coronavirus Bill

Jim Shannon Excerpts

Committee stage & 3rd reading & 3rd reading: House of Commons & Committee: 1st sitting & Committee: 1st sitting: House of Commons
Monday 23rd March 2020 Commons Chamber

[Munira Wilson (Twickenham) (LD)]

I rise to speak in support of the amendment and new clauses that my Liberal Democrat colleagues and I have tabled. We are not seeking to divide the House, but we are keen to put our concerns on the record. In the interests of time, I want to focus on two areas—social care and the self-employed.

There is unanimity in the Chamber about the fact that exceptional times call for exceptional measures. It is strange to find myself in violent agreement with the hon. Member for Wycombe (Mr Baker) and, indeed, the right hon. Member for Haltemprice and Howden (Mr Davis). In these difficult, challenging times, the measures must be proportionate, strictly time-limited and with appropriate safeguards in place. I therefore welcome the Government’s concession that the Bill will be reviewed every six months, although our amendment seeks a review every three months, with a full review by both Houses. I note the concerns about whether we can amend or discard parts of the Bill in each review, and I hope that that will be taken on board by Ministers.

The Bill gives the Government sweeping powers over our civil liberties, and impacts on how we look after the most vulnerable in our society, which is dealt with in our amendment 14 and new clause 14. Social care provision is inextricably linked to NHS provision—they are two sides of the same coin. Fast and safe discharge into the community is essential to free up hospital capacity for those who are critically ill.

The system is already stretched to breaking point, and many people think that care standards are on the border line. The Bill seeks potentially to lower standards, which could be dangerously reduced, putting many elderly and disabled people of all ages at risk. Although the Secretary of State told me that the provisions seek to do the opposite by enabling local authorities to prioritise, I fear that the only safeguard is the European convention on human rights, resulting in many vulnerable people being harmed. They must not be cast by the wayside in this crisis.

The Bill has been introduced to tackle a serious threat, but it potentially raises another threat for the most vulnerable people in society. The Chancellor made it clear that he would give the NHS whatever resource it needed to deal with coronavirus. The same commitment must be given to social care, as the sister service to the NHS. Amendment 14 seeks to address that very point.

I turn to new clause 13, on statutory self-employment pay. The Chancellor has rightly stepped in with a far-reaching set of economic measures to support the millions of people across the country whose livelihoods and incomes have been decimated by the pandemic. As many Members from all parts of the House have said, the 5 million self-employed and freelancers feel that they have been completely overlooked. With over 11,000 self-employed people in my constituency I, like many others, have been inundated with hundreds of emails, from childminders to event organisers, to tradesmen and women, to musicians and those who work in the TV industry, begging for action. Many have seen their incomes dry up overnight, with no prospect of knowing when they might be able to work again.

New clause 13 seeks to provide for the self-employed on the same terms as the wage guarantee scheme for employees. I fully understand that the mechanism for delivering such a provision is not straightforward for Government, but let us not let the best be the enemy of the good. The situation is urgent for millions of people across the country who are struggling to put food on the table for their families and keep a roof over their heads right now.

In 2008, the Government stepped in to bail out the banks. Now it is time to do the same for everyone whose livelihood is under threat, whether employed or self-employed. At this time of national crisis, of course we support the Bill with an extremely heavy heart, but I implore Ministers to take on board our grave concerns, particularly on care of the vulnerable and providing for the self-employed. Let us make sure that not one single provision in the Bill is in place for a minute longer than it has to be.

[Jim Shannon (Strangford) (DUP)]

First, let me thank the Government for their contribution and highlight the plight of the NHS staff who do not have enough protection gear. Will the Minister ascertain whether any factories can be used to assist in the interim? I have also been approached by someone about whether, in relation to new clauses 3 and 4, those with an HGV licence could step in to drive supplies—due to a DVLA technicality, they are precluded from doing so. Can we lift that restriction legally, as it is only a technicality, and allow him and others to step in?

The shadow Minister referred to the 80% of wages being available by 1 April, but may I implore her to make that money available from March?

On new clause 4 and factories producing the food and medication we need, I am thinking of TG Eakin in Comber, producing colostomy bags. They cannot go home; what help is in place for them?

On new clauses 9 and 11, what about the self-employed? I have electricians with no premises because their jobs consist of fixing electrics in homes and businesses; can they access the business grant? I have self-employed café owners who have been asked to close their businesses—their staff are getting a wage, but they are not. What is being done to help them? What about a constituent who has a shop stocking cleaning products and basic groceries who is delivering cleaning products, potatoes, milk and other things free of charge? What help is there for him and his staff in new clauses 9 and 11? The business grant will only pay his rent for a few months, so how does he feed his five children?

Lastly, self-employed people should get a basic wage when we are telling them to close and when they cannot reasonably stay open. Again, I would ask what has been done for those who are self-employed. New clause 8 is about education: what about self-employed coaches who are essential in day-to-day life to the mental health and physical wellbeing of our children? What about agency staff working in colleges and the civil service? Do they qualify for the 80% wages that they should under new clauses 9 and 11?

[Helen Hayes]

Time is very limited this evening, but I want briefly to return to an issue that I did not have time properly to probe on Second Reading: the question of people with learning disabilities and autistic people whose rights are at risk as a consequence of the Bill. As someone who has campaigned on the “Transforming Care” agenda and the Government’s failure to implement it over many years, I know that there are people the autism community and among those who support people with learning disabilities who are very worried that the Bill could result in further unnecessary admissions to hospital. This could happen both indirectly, through the withdrawal of support for autistic people and people with learning disabilities, resulting in a higher incidence of crisis, and directly, through provisions in the Bill that make it easier for people to be detained.

Any institutional setting where large numbers of people live together has increased risk of covid-19 spreading. Families who have battled for years to get their loved ones out of hospital are very frightened that the Bill could mean that their loved ones end up being detained once again, and that if this happens they might also fall victim to covid-19. Once again, I want to seek assurance from the Secretary of State for those families that their loved ones will not end up once again in settings that have been traumatising in the past and where abuse has taken place, as a consequence of the Bill.

Coronavirus: Employment Support

Jim Shannon Excerpts

Thursday 19th March 2020 Commons Chamber

[Mr Speaker]

Last, but certainly never least, I call Jim Shannon.

[Jim Shannon (Strangford) (DUP)]

The first coronavirus death has been confirmed in Northern Ireland, and I wish, through the House, to convey our commiserations to the family.

I have been contacted by a school bus driver on a zero-hours contract who normally works 45 hours a week but has now been told that there is no work for him until further notice. Does his employer not have an obligation to pay his wages, and the wages of others in the same boat? What is the Minister’s message to help this employee?

[John Glen]

I am very happy to look at that individual’s circumstance. We have made interventions to provide advances of ESA and to remove the minimum income floor. It is clear that we will need to do more to support employees who have been specifically affected by the tough decisions we have taken. I am very sorry to hear of the first death in Northern Ireland.