(8 months ago)
Commons ChamberUrgent Questions are proposed each morning by backbench MPs, and up to two may be selected each day by the Speaker. Chosen Urgent Questions are announced 30 minutes before Parliament sits each day.
Each Urgent Question requires a Government Minister to give a response on the debate topic.
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I have reached out to prominent charities, organisations and support groups to share the progress that has been made—I had to respect the fact that we needed to do that through the parliamentary process last Wednesday—and to seek their views, but not to replicate the considerable trauma that they went through giving evidence in an incredibly painful fashion through Sir Brian Langstaff’s inquiry. I am meeting those charities, organisations and support groups. I obviously cannot meet every single individual, but I am trying to use those meetings to inform the response of the Government and to make representations to my colleagues about what needs to be done so that we can land this in the most effective place as soon as we can from 20 May.
Does the Minister recognise that many people feel that the state, with all its delays in delivering justice to the victims of this scandal and their families, has utterly failed to recognise adequately the egregious harm that has been inflicted and continues to be inflicted on those impacted, leaving tens of thousands of victims and their families in great suffering as they continue to wait for compensation?
Yes, I recognise that all delays are painful and frustrating and cause distress. That is why I am doing everything I can to move this forward as quickly as I can. I am sorry that that is repetitious, but it is the truth. I think I have updated the House meaningfully today on the legislation. I know what we need to do, which is to get to 20 May and, as soon as possible, come up with a comprehensive response on behalf of all those who have lost their lives and the families who have been ruined by this absolute scandal that has happened over 50 years.
(1 year ago)
Commons ChamberI thank my hon. Friend for his questions. I could not agree with him more about the level of urgency that is attached to the Government’s response. He is right about the publication dates; I think the whole House is aware of that. In the past five weeks, I have taken concrete steps, building on the work of my predecessor, to take the actions necessary to make those decisions as quickly as possible along the timescale I have set out. I cannot reiterate enough the Government’s commitment to dealing with the issue as quickly as possible, and I am doing all I can to gain consensus across Government to move things forward as quickly as possible.
Most of what we have heard today is not new. All we are hearing from this Government are the same old delays, while those affected continue to feel let down and failed. The Government have been working at a snail’s pace on the issue and were shamed when they voted against a new compensation body for those impacted by the scandal. Those affected and the bereaved will not forgive them for that callous act and the ongoing delays, and today they will have those feelings all over again at this non-statement.
On 5 April, Sir Brian Langstaff published his final recommendations relating to compensation. Crucially, he recommended that interim payments be made to bereaved parents and children in respect of deaths as yet unrecognised. To date, the Government have not responded in practical terms to any of those recommendations. The Government’s position continues to be to wait for the full report expected next spring before considering whether to extend the compensation. That heaps insult upon injury to those affected and their families, as every four days another victim of this scandal dies. Time is of the essence for those affected. To delay this full compensation is to stand against justice and all that is morally and ethically right. To delay compensation to those who are literally running out of time is cruel and unnecessary. This Government need to rethink and listen to the will of this House, as expressed on 4 December in the face of shameful opposition from those on the Government Benches, and deliver justice and full compensation.
Where is the urgency? The Minister has used the words “urgency” and “urgent” several times today, but it does not feel to those who are affected that there is any urgency from the Government to address the great wrongs and losses that they have suffered.
Today, given the expressed will of this House, we were hoping for a timeline from the Government for when a full compensation body would be established and operational. Again, sadly, all we have is delay and obfuscation. Does the Minister feel no shame in coming here today to give a statement that says nothing?
I do not accept that characterisation of what I have said today, as I have made a number of specific announcements on the progress that is being made. Neither do I accept the characterisation of the Government’s position as a callous act. This Government launched a public inquiry, and last year we made interim payments. I accept that a substantive response cannot happen soon enough, but I am doing everything I can, working with colleagues across Government, to look at the best way of delivering as quickly as possible, and I will continue to do so.
(2 years, 6 months ago)
Commons ChamberThe hon. Gentleman will also know that the Government invested in a seasonal workers scheme for 30,000 across agriculture, which has made a significant impact. We will continue to work with industry to see what further interventions can be made and need to be made.
Cuts to VAT on fuel duty are now beyond urgent. Some £46 of tax is paid on the average fuel tank, as fuel prices rocket to new highs. As households and businesses struggle, the Treasury is raking in additional billions in VAT on fuel, which is driving inflation across the whole economy. Finally, can we at last have a temporary 10% reduction in VAT on fuel to assist households, businesses and consumers and to help get inflation back under some kind of control, which will help everyone?
The hon. Lady will know that just two weeks ago, the Chancellor came to this Dispatch Box and made a series of targeted interventions, in a greater way than many were calling for, to give assistance to the most vulnerable in our society—to pensioners, to those on means-tested benefits and to the disabled—with more support for pensioners on top of that. She will also know that as we approach the fiscal event, we will look at the state of the economy and the best possible interventions to assist not only that growth narrative, but the most vulnerable.
(3 years, 7 months ago)
Commons ChamberYes, I agree with my hon. Friend. On modern slavery, the landmark provision in section 54 of the Modern Slavery Act 2015 includes institutional investors that fall within the scope of the requirement and meet the criteria requiring them to publish an annual statement.
(4 years, 9 months ago)
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I echo the thanks to my hon. Friend the Member for Midlothian (Owen Thompson) for securing this important debate. I feel as if I have spent quite a lot of time in the five years since I was elected bemoaning the stampeding of banks out of our communities without so much as a backward glance.
My constituency has several towns where there is no bank at all, and other Members have talked of similar issues. Ardrossan, Stevenston, Kilwinning—a town of 21,000 people—West Kilbride, Dalry and Beith are all without a bank, and Kilbirnie’s last bank has reduced its opening hours. That is the only bank left in the entire Garnock valley, which is three distinct towns with a collective population of more than 19,000 people. Losing the last bank in our towns is a severe blow to our communities. It undermines their commercial stability and has a significant social impact, which we have heard much about today.
My constituency, like that of every Member who has spoken, has been hit particularly hard, and I share all the concerns expressed by my hon. Friend the Member for Midlothian (Owen Thompson). In Scotland, according to research, we have lost more than one third of our bank branches since 2015. The consumer organisation Which? found that banks shut 396 Scottish branches between January 2015 and August 2019, reducing their number by 38%—an alarming rate of closure, by any measure. My hon. Friends the Members for Midlothian, for East Renfrewshire (Kirsten Oswald), and for Kilmarnock and Loudoun (Alan Brown) and the hon. Member for Strangford (Jim Shannon) have all said similar things.
As we have heard from my hon. Friend the Member for East Renfrewshire, it is clear that any consultations are simply window dressing. They are tick-box exercises so that the banks can reassure themselves and the Minister—“Oh yes, Minister, we have undertaken consultation”—when we know that is not true in reality. I remember the same thing happening in 2007 and 2008, when there were mass post office closures in my constituency. That was long before I was elected to this place, and perhaps innocently—perhaps even naively—I, along with other Scottish National party activists, set up street stalls. We went door to door with petitions. We did everything we could to get the post office to reverse those closures, but of course nothing changed, because the consultations were not at all meaningful. We have memories of these consultations from other times, and I say to the Minister that this has to stop.
The Treasury Committee concluded that
“there are still large sections of society who rely on bank branches to carry out their banking needs. A bank branch network, or at the least, a face-to-face banking solution, is still a vital component of the financial services sector, and must be preserved.”
I know that the Minister probably will not agree—I have said this to him before, during one of the countless debates on this topic I have participated in—but I genuinely believe that because there was no UK Government intervention when RBS announced its radical, eye-watering programme of closures, although we as taxpayers owned a significant stake in RBS, the fact that nothing was done emboldened the other banks that have no element of public ownership. If a publicly owned bank can do it, why can a private bank not do the same without any kickback or repercussions from those in the corridors of power?
If the Government are as willing as they have demonstrated to accept closures of bank branches—banks that they owned, in the case of RBS—that is extremely disappointing. Throughout RBS’s entire closure programme, I listened very hard, but I could not hear anybody in Government condemning those closures. All I heard was a distancing from any sense of responsibility, which is really disappointing for our constituents. It seems that other banks felt they could employ the same tactics and close down wherever they felt it was no longer convenient to have a branch, without any consequences or official condemnation from Government. As a result, the people who pay the price are those in our communities who are suffering for want of a bank, and will continue to suffer. We have heard a lot about that today.
Of course, we have these mobile banks, but they really do not answer the question of what we do without a bank. They are not disability compliant, their reliability is questionable at best, and they simply do not fit the bill or take the place of a bank. We also know that the gaps left by banks cannot be properly filled by post offices. That is no reflection on post offices, which work hard to provide a good service to our communities, but they are not banks and they cannot fill the gap. As the Minister will know, the Treasury Committee concluded that post offices
“should not be seen as a replacement for a branch network, but a complementary proposition”.
Other Members have talked about the fact that post offices simply cannot fill that gap.
Along with branch closures we are witnessing the demise of free cash machines, as we have heard. About 10 free-to-use ATMs a week have been shut down in the past year. As far as I can make out—although I hope the Minister will contradict me—the Treasury seems to have been deaf to all pleas for Government intervention to protect free cash. I hope that the Minister is able to offer some comfort today.
I look forward to hearing from the Minister, who is speaking from a sedentary position.
The ATM Industry Association has warned that one fifth of Scotland’s free ATMs will start to charge consumers in the next year. That can be seen only as a cynical move to force us to become a cashless society. Picking up what has been touched on by my hon. Friends the Members for Kilmarnock and Loudoun, for East Renfrewshire, and for Midlothian, and the hon. Member for Strangford, bank closures have, as we now know—the game is up—been a tool to force people to bank online. As banks have quietly cut the fees that they are willing to pay machine operators to provide bank customers with access to cash, they are forcing us to go cashless and online. Banks are attempting to put pressure on customers who do not act in a way that they—the banks—find convenient. What happened to the customer being king?
Going cashless and banking online may, as we have heard, be the preferred option for some—and good luck to them—but some of us do not want to go down that route, and increasingly aggressive efforts are being made for it to happen, at breakneck speed. I and those of my constituents who do not favour those options will not be forced to bank online. We will not be bullied into doing so or into going cashless. It is a rum do when the service provider is bullying the customer—because that is how it feels. In any case, even among customers who may be interested in banking online there are some who simply are not able to, for a variety of reasons that the Minister will understand, and of which the hon. Member for Strangford reminded us.
I have corresponded with the Treasury about online banking in the past, and it accepted that broadband access is not yet good enough for everyone to rely on digital banking. The Government and the access to banking standard must ensure that banks have a social responsibility to provide banking facilities to all our towns. Such services could be provided relatively easily through the wide rolling-out of banking hubs. Indeed, I met the Minister in his constituency to discuss that very issue last year. I am hoping—I am quite excited about it—that he will be able to update me on progress with that. I am sure that the Minister will correct me if I am wrong but I cannot see any discernible obstacle to the option except for perhaps a lack of political will and, indeed, the arrogance and intransigence of the banking industry.
Our communities and constituents deserve better than they have had up to this point. Banks have to face up to their social responsibilities, get their heads together and create banking hubs in our towns, across the board. There is no real impediment to that, and I urge the Minister to use his good offices to bang some banking heads together and ensure that customers’ voices are heard. The Government have a role to play when the last bank in town is closed. They have said repeatedly that those are commercial decisions, but it is not just a commercial matter. It is about social responsibility and financial inclusion. I urge the Minister to reflect further on the strong feelings and concerns that have been expressed today. Will he finally bring forward legislative proposals to ensure that banks live up to their responsibilities to our communities?