Banking Services: Rural Northumberland

Josh MacAlister Excerpts

Monday 2nd September 2024 Commons Chamber

[Joe Morris]

I completely agree with my hon. Friend. For many businesses and constituents, the post office represents a lifeline, albeit one that unfortunately for many businesses is accessed far too infrequently to operate with security. The decision to close rural branches is taken in head offices, with little or no understanding of the rural economy and the impact that such decisions have on our constituents, their businesses and their daily lives.

[Josh MacAlister (Whitehaven and Workington) (Lab)]

I thank my hon. Friend securing this important Adjournment debate. Whitehaven in my constituency, not dissimilarly from Haltwhistle, is on the brink of becoming a banking desert. Does my hon. Friend agree that we should not have to wait for towns to become banking deserts before banking hubs become an option? A better system would be to change the rules for banking hubs, so that they are a “last plus one”, rather than there having to be a complete banking desert before the option becomes available.

[Joe Morris]

I very much agree with my hon. Friend. We have seen far too many rural towns and rural economies facing a precipice when a bank closes. Businesses are left to deal with uncertainty and a deprivation of banking services, which has an ongoing effect on the economy, before anything else comes in. I hope that we can consider taking any steps necessary to mitigate the impact of those closures, and I agree that a move to a “last but one” system may be a more efficient way of dealing with things. Whitehaven on the Tyne Valley line is a town that shares many of the challenges that I am talking about, and that demonstrates the incredibly important nature of this debate.

In constituencies such as mine and those of my hon. Friends, many residents and businesses already travel out of town for banking. When they are there, they do other shopping. They shop in the major towns or the cities, where they have access to other shops or services. That has a massive impact on the passing trade in Haltwhistle and other towns across the Tyne Valley. Ian Dommett, the chair of the chamber of trade, said:

“For Haltwhistle, this has meant that every shop in the town has lost this trade and everyone of the Chamber of Commerce members who are retailers say they have seen a decline in business as it is now done in towns with functioning banks.”

I would argue that Haltwhistle as a town has been and continues to be let down by the Conservatives. This is a stunning indictment of policy failure. The businesses that want to drive economic growth are being hamstrung. In some cases, shops have stepped up by offering some elements of consumer banking, such as cashback services and having ATMs in store, but they should not need to do so. Businesses should not be deprived of business banking when, ultimately, it is they who are the engines of our rural economy. We need to move away from the significant economic disruption that towns such as Haltwhistle have experienced for 12 months, since August 2023.

I was incredibly proud this summer to be asked to become a patron of the Northumberland Domestic Abuse Services. Speaking with the staff there, I mentioned that I had secured this debate and was told that access to in-person banking services can be a lifeline for victims of domestic abuse. In a rural setting in particular, this can be absolutely vital. I urge the Minister to consider introducing plans for banking hubs in Haltwhistle in my constituency to ensure that residents can access in-person banking services, and to work with organisations to explore the impact that banking deserts can have on acute domestic violence.

I was proud to stand for election on a manifesto prioritising rolling out banking hubs to banking deserts, but banking hubs should not be seen as a replacement for bank branches. They should not be seen as an opportunity for bank branches to be shut down, leaving others to pick up the pieces in our communities. When decisions are made far from the communities that they impact, those decisions are inevitably worse. One of the most meaningful ways that we can support towns to grow economies, and provide opportunities for young people and security for elderly residents, is to make sure that, at the very least, they have a banking hub in place—one that does not just serve one town, but that serves communities across the rural hinterland. I ask the Minister to ensure that the Treasury strongly considers and prioritises Haltwhistle as a location for a future banking hub, to reflect the opportunities and investment that that could bring, and to provide the opportunity for businesses to grow.

Economy, Welfare and Public Services

Josh MacAlister Excerpts

Monday 22nd July 2024 Commons Chamber

[Josh MacAlister (Whitehaven and Workington) (Lab)]

Thank you, Mr Deputy Speaker. I pay tribute to the fantastic maiden speeches that we have heard from across the House this evening, including that of the hon. Member for Didcot and Wantage (Olly Glover); I am sure that the whole House is reassured to know that he is not an alien.

The first and only time I entered this Chamber before being sworn in as a Member of Parliament was as a secondary school citizenship teacher, bringing dozens of teenagers here to see their Parliament. On that occasion, I was required to use my teacher voice a number of times, but that is not something I plan to make a habit of in this House.

I begin by putting on record my thanks to my predecessor for the now abolished Copeland constituency, Trudy Harrison. We may disagree on matters of policy, but she has been unfailingly gracious to me and generous with her time, demonstrating the “country before party” approach that we can all learn so much from.

I may be new to this House, but I am not new to pushing Governments to get things done, as Opposition Members will know only too well, and I have worked with a number of Education Secretaries over the years. I founded and led a national charity to get more people into fulfilling careers on the frontline of children’s social work to ensure that every vulnerable child has a champion fighting their corner. From that, I was asked by the last Government to chair a landmark independent review of the children’s social care system. That review found that the disadvantage faced by the care-experienced community in our country should be the civil rights issue of our time. Evidence of that disadvantage is found in worse education outcomes, worse health outcomes and shorter lives, but that disadvantage is fuelled by something that politicians often find too hard to discuss, and that MPs certainly find too hard to mention in this Chamber: the absence of love. I believe every child has the right to be loved, and we have the ability to build a care system that can provide that for them. I hope this Parliament will take up the challenge of addressing this moral outrage. The problem is huge, but the solutions are known, and with enough will, tens of thousands of lives can be transformed.

It is a great honour and privilege to stand here as the first Member of Parliament for the new Whitehaven and Workington constituency. Whether it is the people of Whitehaven or the good people of Workington who are the jam eaters continues to be a source of fierce debate. Of course, I will remain neutral on that question, as I will on all rugby league-related matters.

Nowhere is more blessed than my constituency, home to the highest peak and the deepest lake in England, with miles of beautiful coastline and the stunning western part of the Lake district, which has inspired millions. Let me here pay special tribute to our amazing mountain rescue volunteers, our Royal National Lifeboat Institution volunteers—just this week, it will be celebrating its 200th anniversary—and all those who give up their time to volunteer in search and rescue services. I have an interest to declare as a serving mountain rescue volunteer, and I will champion volunteer search and rescue services at every opportunity.

Behind the doors of the towns and villages across my constituency, you will find the warmest and friendliest marras in the country, people forged by the drama and confidence of the surrounding landscape and people with humility, respect and determination at their core. These are people such as Gary McKee, who ran a marathon every day for a year to raise over £1 million for cancer support; those in the growing network of Andy’s man clubs in our community, tackling the crisis of male suicide that my area faces; and community leaders, such as Rachel Holliday of Calderwood House, giving people a route out of homelessness.

Our area has also forged those who were not born West Cumbrian, but who made our corner of the world their home, including pioneers and entrepreneurs such as Frank Schon, later Baron Schon of Whitehaven. Frank was an Austrian refugee who fled the Nazis, was bombed out of London and was taken in by a kind Cumbrian farmer. He went on to set up and lead a global chemicals company based in Whitehaven, before later chairing Harold Wilson’s development corporation and going on to serve in the other place. Today, my community is home to dozens of Ukrainian families that could well have the next Frank Schon in them. I hope we can offer those who wish to stay a permanent home here in this country.

Lord Schon is one famous example, but there are thousands of men and women like him—from Whitehaven to Workington, Gosforth to Egremont, Cleator Moor to Seascale and Flimby to Seaton in the north of the constituency—pioneers, entrepreneurs and grafters who have helped west Cumbria to lead the world. It is because of this graft that my constituency is home to the UK New Balance trainer factory—I am not wearing them right now—and the Iggesund paper mill, which has been experimenting with leading carbon capture technology. It is home to Forth Engineering and React Engineering, and hundreds of other businesses represented by Britain’s Energy Coast Business Cluster, from the coal and iron mines to the steelworks.

Of course, there is the world’s first civil nuclear power station at the site now famously known as Sellafield, home to a world-leading decommissioning mission, which is stimulating innovation in robotics and AI. We led the world, and we can again. We have the people, the will, the determination and now, thankfully, the Government to do it. Our nuclear heritage and our skilled workforce mean we have what it takes to be the ideal location for the next generation of nuclear power. The Government are determined to make the most of new jobs in the energy transition, to reform our broken planning system and to decarbonise the grid, and these three things offer the opportunity for the people of Whitehaven and Workington to fly.

A Labour Government with a proper industrial strategy and the right targeted investment could completely transform the economic geography of my community. These are decisions that need to be made to create the growth we have promised and to tackle the climate crisis our planet faces. I am determined to play my part to deliver this Labour Government’s mission and to ensure that west Cumbria feels the maximum possible benefit of the change we want to bring about for our country.