Breathing Space Scheme: Consultation Response

Debate between Lord Young of Cookham and Lord Bishop of Leeds

Wednesday 19th June 2019 Lords Chamber

[The Lord Bishop of Leeds]

My Lords, I welcome this Statement, and thank the Minister for repeating it. I also want to note the work that the Church of England and the Children’s Society have done promoting these matters. I am particularly pleased that public and utilities debt is to be included in this, but—taking advice from Donald Tusk, who said “Don’t waste the extension”—can the Minister say who will ensure that plans are put in place for sustainable debt resolution? It was said that debtors will have to seek professional advice. How will that be ensured, so that we do not simply prolong the problem of debt where it will be exacerbated? Secondly—and I am sorry if I missed this in the Statement—when might we expect the new regulations to be published?

[Lord Young of Cookham]

On the latter point, the first regulations will be laid towards the end of this year. I will write to the right reverend Prelate about the timetable for the sustainable development plans. Can I pay tribute to the work that the Church has done in this area? There is the Just Finance Foundation, founded by the most reverend Primate the Archbishop of Canterbury, the Lifesavers financial education programme, very active in primary schools, and Christians Against Poverty, a registered debt advice agency. I pay tribute to the work that they do.

The idea is that those who enter into a breathing space will, after a dialogue with the debt advice agency, then have a sustainable debt plan which takes into account the resources that are available and arrives at something which enables them to meet their debts—but over a period ideally not more than seven years. It is designed to ensure that they have enough to meet their obligations, including their ongoing debts. There may be some cases where the income simply is not available to enter a sustainable debt plan, in which case they may be advised for bankruptcy or IVA. The idea is to give a breathing space of 60 days in which a person can come to terms with their financial circumstances and have professional advice about the best way through, enabling them to get their life back on an even keel.

European Parliament Elections

Debate between Lord Young of Cookham and Lord Bishop of Leeds

Wednesday 24th April 2019 Lords Chamber

[Lord Young of Cookham]

I agree entirely with the noble Baroness. It is important that EU citizens in this country and UK citizens in European countries are fully enfranchised and can take part in the European elections—if they take place. I would like to pursue with the Electoral Commission some of her ideas about raising the profile of these elections, because in some European countries people may have assumed that they will not take place. I will certainly see whether further action can be taken to raise the profile of these elections. Information is of course available on the European Parliament website for those who want further details on how to vote.

[The Lord Bishop of Leeds]

My Lords, whether the election goes ahead or not, is it not clear that the Government need to have some vision that goes beyond the EU for the future of Europe, of which the UK remains a part in a post-Brexit world? If so, is this vision being developed so that it can be articulated?

[Lord Young of Cookham]

I agree entirely. To some extent, that goes beyond the withdrawal agreement to the political agreement which is set out. I very much hope that we will continue to have a good and close relationship with our neighbours in Europe, and that any deal minimises turbulence for the economy and for employment. I agree that, once we have overcome the hurdle of the withdrawal agreement, we should raise our sights and work towards a harmonious future with our European friends and neighbours.