The Economy
Kirstene Hair Excerpts(4 years, 6 months ago)
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Sajid Javid
Look, first I commend my hon. Friend for all the work that he has done, and continues to do, to support small businesses throughout the country. He has raised an important issue. He knows that work is ongoing to address that, but I would be happy to meet him and discuss it further.
Kirstene Hair (Angus) (Con)
Is it not because of the hard work of this UK Government to balance the economy that we are spending more in the devolved nations, with an extra £1.2 billion for Scotland in the latest spending review? Does he agree that that is in stark contrast to the shadow Chancellor, who would enable a second independence referendum in Scotland on a whim, despite the will of the Scottish people, who do not want that referendum, despite the economic damage that that would cause, and despite the fact that he used to belong to a Unionist party?
Sajid Javid
My hon. Friend is absolutely right. In fact, the SNP’s obsession with another damaging referendum on independence is already hitting growth in Scotland, and that is why Scotland is lagging behind in growth terms compared with any other part of the UK.
Spending Round 2019
Kirstene Hair Excerpts(4 years, 7 months ago)
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Sajid Javid
The hon. Gentleman claimed that I had not mentioned growth figures. There are no new growth figures today because there is no OBR forecast, but I did refer to growth: in fact, I drew attention to the IMF forecast that we would grow faster this year than France, Italy and Japan.
The hon. Gentleman also talked of the risk to the economy. The risk to the economy is the uncertainty of not leaving the EU, and we must leave by 31 October. If he wants to end that uncertainty, he knows what he must do tonight.
Kirstene Hair (Angus) (Con)
I warmly welcome the spending review. I welcome the extra £1.2 billion for Scotland and the extra £160 million for our farmers, and I was delighted to note the increase in Ministry of Defence spending. I urge the SNP Scottish Government to spend that money on education, health, policing, and connectivity in my constituency. Does the Chancellor agree that what we should be doing—what the SNP should be doing—is welcoming this extra investment, which shows the strength of being part of our United Kingdom, and removing the threat of independence, which would unleash the economy in Scotland?
Sajid Javid
I agree wholeheartedly. Let me take this opportunity to thank my hon. Friend for—along with other Conservative colleagues—helping me to focus on the issue of Scottish farmers, which has helped to secure the £160 million. She is also right about the extra £1.2 billion for Scotland. It is a huge amount—a record amount—but, unfortunately, one thing that we can be sure of is that the SNP will waste it.
Devolved Administrations: Borrowing Powers
Kirstene Hair Excerpts(4 years, 9 months ago)
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Luke Graham
That is exactly my point. It is one of the main reasons I wanted to have this debate. Again, it is one thing to criticise on social media, but another to write letters to a paper when it is a one-sided argument. I applied for this debate because I wanted all parties to be here, and to have the opportunity to justify underspending by nearly half a billion pounds and then standing up in the Chamber and criticising the Prime Minister, the Government and often Opposition party leaders for their lack of policy and lack of caring for our constituents. That is inconsistent, it is indefensible economics, and it is unbecoming of MPs and a political party that sits in this Parliament.
Kirstene Hair (Angus) (Con)
I thank my hon. Friend for securing this important debate. Does he agree that it was quite telling that when there was word of the UK Government’s potential direct spending in Scotland, the Scottish National party was running scared? It is the only party I know that would run scared from somebody else wanting to deliver further funding in Scotland. It just shows that this is not about money. Everything the Scottish National party does is down to playing politics with policy and people’s lives; it is not about getting the best for Scotland.
Luke Graham
I could not agree more. The whole point of being an MP is that we put people before politics. I have certainly been critical of my Government on issues of spending—I know my hon. Friend has, too—and Members of the Opposition have certainly been critical about getting funding for Scotland, be it in block grant or city deals. We have made the arguments and posed the difficult questions time and again in this place. As I am sure my hon. Friend the Minister appreciates, we will continue to do so in a future Administration.
Oral Answers to Questions
Kirstene Hair Excerpts(4 years, 10 months ago)
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Elizabeth Truss
The hon. Lady is certainly right that we have seen demand for special educational needs funding rise. We need to look at that as part of the spending review, from both a local government point of view and a Department for Education point of view.
The Economic Secretary to the Treasury (John Glen)
I welcome the benefits that electronic payments are bringing to people and businesses across the UK. However, the Government recognise the importance of cash to many, particularly the most vulnerable members of society. That is why we have committed to safeguarding access to cash for those who need it. In the light of changing payment trends, the Government have created the Joint Authorities Cash Strategy Group. That Treasury-led group will seek to bring together the regulators and the Bank of England to inform and co-ordinate members’ activities related to cash and safeguard access for those who need it.
Kirstene Hair
I recently sent a survey about access to cash to thousands of my constituents. There was an overwhelming response, because they are terrified that we are going far too fast into a cashless society. The next time the Minister meets banks, will he raise with them the impact that rural banking hubs could have on our local communities, just as the pilot business hub has had in Birmingham?
John Glen
I recognise my hon. Friend’s excellent campaigning on this matter, which we have had meetings to discuss. The Government have no direct role in the matter, but we recognise the role that banking hubs have played for businesses across six trial sites. We are looking at that carefully, and I will be very happy to raise it with the banks when I meet them next.
Local Bank Closures
Kirstene Hair Excerpts(4 years, 10 months ago)
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Douglas Ross
I totally agree with my hon. Friend. As he mentioned Coldstream and Hawick, I am sure he will get two press releases out of that intervention—something he always does well in debates such as this. Our high streets are vital to our communities, but we have seen a reduction in the number of shops on them. If that continues, we will really suffer.
I will briefly mention banking hubs. They are an idea that we have to consider, and I want to hear what the Minister has to say about them. The idea is not a new one; I know that it was suggested as far back as 2002. Last year, I wrote to every bank operating in Scotland about the suggestion of looking further at banking hubs—I know it has been made by several politicians from different parties—and I have to say that the response was disappointing. Some of the banks ignored the suggestion, and others said that hubs were not right for them. Nationwide said that it did not believe it was in the interests of its members to enter into a branch-sharing scheme. Such a scheme might not be in the interests of Nationwide’s members, but it might be in the interests of our constituents and its customers.
We have to do far more to get the banks to work together. They may have some concerns, but if we cannot have the four branches that we used to have in Lossiemouth, let us at least have one hub where the banks can work together to ensure there is still a banking presence.
Kirstene Hair (Angus) (Con)
I thank my hon. Friend for giving way and for bringing this important issue to the House. We have seen the starting up of a pilot business hub in Birmingham, whereby four bank branches have come together to help businesses. Does my hon. Friend agree that that shows that there is a mechanism for banks to do this, and that they just need the will to ensure that they help their personal banking customers just as much as their business ones?
Douglas Ross
My hon. Friend makes the point that hubs have been created before and there should be no blockage. However, the banks seem unable or unwilling to move forward on the issue, and perhaps the Minister can use either a carrot or a stick to encourage them to do a little more.
I will end by putting some points to the Minister and asking him some questions, and then I will allow others to contribute to this debate. I was interested to read a report from July 2018 by the Scottish Parliament’s Economy, Jobs and Fair Work Committee, which was chaired by my colleague Gordon Lindhurst. The report contained a number of key points, including that there will be an indefinite ongoing need for cash and universal face-to-face banking provision; that the access to banking standard, with its post-closure-decision consultation, is failing and a binding pre-decision consultation is needed; and that there is a need for the UK Government to research the issue properly and come up with binding statutory and regulatory conclusions.
I know that the Minister listened intently and understood the concerns of Scottish Members when he addressed this issue at the Scottish Affairs Committee this morning. I hope that, with some of the asks from me and other Members, the UK Government can make some progress on this issue.
I hope that the Minister will look at the access to banking standard and toughen it up, because some banks are not part of it. As I said when I read out communications from a constituent and others, there are concerns that banks are not adhering to the standard. I also hope that he will engage with the banks about banking hubs; the banks have too easily written off that suggestion rather than engaging properly on it. Although I accept that there are commercial reasons why banks choose to leave towns, I hope that the Minister will accept that the situation is different when a bank branch is the last to leave a town or village, and that that has a far greater impact than earlier closures.
To conclude, there has already been a devastating reduction in the number of branches across Moray, across Scotland and across the UK. We almost always lose ATMs at the same time, and therefore access to cash as well. We need to reverse that trend. Banks can improve their image—it is not always the most positive—by listening to communities and working with them, and not by simply leaving towns and villages. To date, I do not believe that the Government have done enough. We can also improve our image on this issue by working with communities and ensuring that they retain the banking presence and bank branches that they so greatly need.
Financial Exclusion: Access to Cash
Kirstene Hair Excerpts(4 years, 11 months ago)
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Kirstene Hair (Angus) (Con)
It is a pleasure to serve under your chairmanship, Sir Henry, and I thank the hon. Member for Feltham and Heston (Seema Malhotra) for bringing this important debate to the House. This issue has been debated many times, and I see many familiar faces in the Chamber today.
We are moving towards a cashless society far too fast, and a number of our constituents are simply not ready. As the chair of the Access to Cash Review stated:
“If we sleepwalk into a cashless society, millions will be left behind.”
Between 2015 and 2017, I have lost 12 banks in my constituency. Since I was elected, I have lost the Royal Bank of Scotland, the Bank of Scotland, the Clydesdale Bank and Santander, and my TSB branch has reduced its hours. That acceleration is concerning, and we cannot continue to sit back and let it happen.
In the short amount of time I have, I will raise three issues. First, rural areas are suffering most, because when those areas lose a branch, their communities cannot simply adapt. They have poorer transport links to get them to the next branch; they have poorer connectivity in terms of digital options; they are scared of using phone banking, and sometimes do not have the mobile signal that they require; and they have fewer cash machines. Quite simply, those communities are an easy target for our banks. Like many Members present, I have a higher number of older people—those over 65—living in my constituency, and those people rely heavily on that banking provision. Some 20% of the population lives in rural areas, yet only 12% of bank branches are in those areas. Banks exist to serve all consumers, but what we are seeing is banks serving urban consumers, with rural consumers losing out.
Time and again, the banks say that the solution is digitisation. However, in Angus, only 83% are covered by superfast broadband, so they immediately alienate the other 17%. We have lost a number of post office branches, and—as has already been mentioned—for viability reasons, that is not going to pick up. Quite frankly, the numbers do not stack up. Post offices do not provide the same service: many services are missing, and we do not have privacy in our post offices. As we all know, when we go in to post our letters or a parcel, we are often waiting in queues. It is not particularly private, and often this is taking place in a small shop as well.
There is a whole host of issues; I do not have enough time to cover them all in three minutes, but one obvious issue is access to cash. We cannot continue to suggest that everybody is turning to digital, because we have small shops; my high streets are struggling, and we need to ensure that they have access so that they are not penalised every time somebody makes a card payment. We need that continued access to be able to secure the future of our high streets.
My final point, which I have made to the Minister several times, is that we must look towards banking hubs. We have to look at alternatives to ensure our consumers continue to have choice.
Oral Answers to Questions
Kirstene Hair Excerpts(4 years, 11 months ago)
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Robert Jenrick
I take it from the hon. Gentleman that he supports increasing fuel duty. He asks who has that opinion. Actually, most economists agree that fuel consumption is highly price-inelastic, because working people do not always have the choice to use public transport or cycle. Not everybody lives in a city like Cambridge, with excellent public transport. We support the working men and women of this country, particularly in towns and rural areas, and we have saved them £1,000 a year on their fuel bills.
Kirstene Hair (Angus) (Con)
I declare my role as vice-chair of the all-party group for fair fuel. As the Minister outlines, it is the Conservative party that has frozen fuel for nine consecutive years. Since 2010, my constituents and people across the country have saved £1,000. As he mentions, the Opposition parties suggest that that was an ill-judged decision. Does he agree with me that it is this Government and this party who are on the side of motorists and hard-working people?
Robert Jenrick
Absolutely. This Government will always support working people. We want to raise living standards. We are particularly conscious of those men and women who work in parts of the country, like the area my hon. Friend represents, where it is not easy to get to work. They need that extra money in their pockets to get on, do their jobs and run their businesses.
Oral Answers to Questions
Kirstene Hair Excerpts(5 years ago)
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Mr Speaker
As vice-chair of the all-party parliamentary group on fair fuel for UK motorists and UK hauliers, the voice of Kirstene Hair must be heard.
Kirstene Hair (Angus) (Con)
Thank you, Mr Speaker. Of course, hauliers and motorists warmly welcome the fuel duty freeze, but they are concerned about the disparity in fuel costs across the country and the impact of the cost of oil—they are not seeing that at the pumps. Will the Chancellor, or a member of his ministerial team, meet me to discuss an independent fuel price regulator and to see whether we can sort out these issues?
Mr Hammond
We have a marketplace in fuel in this country, but I understand my hon. Friend’s point. I am sure the Exchequer Secretary would be very happy to meet her to discuss it.
Leaving the EU: Economic Impact of Proposed Deal
Kirstene Hair Excerpts(5 years, 2 months ago)
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Mel Stride
We have made it clear that our ambition is to strike an amended deal with the European Union, so that we put beyond doubt the issue of how permanent or otherwise the backstop arrangements might be. I am not in a position to comment on the specifics of the ongoing negotiations because I am not intimately involved with them.
Kirstene Hair (Angus) (Con)
We know, of course, that the economic impact assessment on the Chequers deal showed that there would be no impact on growth in Scotland. However, does the Minister agree that nationalists have made it very clear that they will accept no deal that is put on the table, and—as I know, the Minister knows, my constituents know and businesses in Scotland know—this is all just to cause the ultimate chaos to pave the way for independence?
Mel Stride
The analysis shows that in all the scenarios being considered, including no deal, a deal based on the 2018 White Paper will give a better result for our economy for every sector, for every region and for every country—including Scotland—of the United Kingdom.
Flybmi
Kirstene Hair Excerpts(5 years, 2 months ago)
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Kirstene Hair (Angus) (Con)
It is welcome news that Loganair is taking on some of Flybmi’s routes, but my constituents want assurances on their new nearest airport in Dundee. We do not want to see the airport taking on other routes and losing the vital routes from Dundee down to London.