Oral Answers to Questions

Margaret Ferrier Excerpts

Tuesday 15th November 2022 Commons Chamber

[Andrew Griffith]

The Government have committed to review business rates, but it would be wrong for me to pre-empt the outcome of that review here today.

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

Following the mini-Budget, the former Chancellor promised to write to me about energy bill support for a small business in my constituency. That response has yet to materialise. Will the Chancellor please look into this and provide a response that I can share with my business, Equi’s Ice Cream?

[Andrew Griffith]

I will ensure that the case the hon. Lady raises is responded to.

Public Sector Pay: Proposed Strike Action

Margaret Ferrier Excerpts

Tuesday 1st November 2022 Westminster Hall

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

Such a low pay offer will inevitably lead to disillusion. We are already seeing the detrimental impact of low pay on the NHS workforce. Essential public sector services will struggle to recruit and retain staff, and workers will be drawn to the private sector in the hope of higher wages. Does the hon. Lady agree that Ministers must urgently undertake a full impact assessment before finalising any decisions on a full pay offer?

[Beth Winter]

I thank the hon. Lady, and I will come to that later.

Let me return to my speech. In education there is an unprecedented situation: two major education unions, the National Education Union and NASUWT, voting together alongside the National Association of Head Teachers. In the fire service, over 30,000 members of the Fire Brigades Union are doing the same.

Why is that? The latest statistics show average regular pay growth of 6.2% for the private sector and 2.2% for the public sector—both below inflation, but one much further below it than the other. We are now talking about a potential 1.5 million public sector workers being balloted on the Tories’ low pay agenda.

The Growth Plan

Margaret Ferrier Excerpts

Friday 23rd September 2022 Commons Chamber

[Kwasi Kwarteng]

The growth plan will mean that, as we grow our economy, we can get more tax revenue to pay for vital public services. That is a key part and a key rationale of the plan.

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

I congratulate the Chancellor on his appointment. Family-owned Equi’s Ice Cream in my constituency has been struggling with soaring energy bills. That century-old company will miss out on Government support, because its energy contract was renewed one day before the arbitrary cut-off following the collapse of its supplier. Will the Chancellor and his colleagues review the cut-off date to support small businesses?

[Kwasi Kwarteng]

Obviously, I will have to look at the specifics of the case, because I have just heard about it today. If the hon. Lady corresponds with my Department, I am sure that we can get back with a timely answer to her question.

Taxes on Motor Fuel

Margaret Ferrier Excerpts

Monday 23rd May 2022 Westminster Hall

[Tonia Antoniazzi (Gower) (Lab)]

I beg to move,

That this House has considered e-petition 599089, relating to taxes on motor fuel.

It is a pleasure to serve under your chairship, Ms Elliott. I thank the petition creator, Michael Bromley, for taking the time to meet me last week to discuss his motivation for creating the petition. With more than 102,000 signatures, it obviously means a lot to a lot of people. I thank all those who signed the petition, especially the 152 people from Gower. I also thank the Petitions Committee for running an online survey of petitioners so that they could explain in more detail exactly why they had signed the petition. The survey had nearly 2,500 responses, and that overwhelming number of responses reflects the strength of feeling on the issue.

The petition calls for a 40% cut to fuel duty for the next two years, in order to go some way to combatting the spiralling cost of motor fuel. It states that

“The price of diesel and petrol is at an 8-year-high”,

and that the Government have

“the ability to sacrifice some revenue to appease the British public.”

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

If the Government are concerned that the fuel duty relief is not being passed down to the pumps, why is that not being addressed, and in the strongest terms? Does the hon. Member not agree that there must be consequences to ensure that the public are not ripped off at the pumps?

[Tonia Antoniazzi]

That is a big concern to people. When there was a fuel duty cut from the Government—of only 5p, but still—we did not even notice it. That is very concerning. I hope the Minister will address that issue.

When I spoke to Michael last week, the issues that he raised, and that were raised in response to the survey, were the same as those that my constituents raise with me week in, week out. Michael explained that as a single parent he could see the cost of filling up starting to mount, and that as a company owner he has had to make economies in the business as well. He is therefore clearly seeing this from two sides. Michael said that reducing the mileage of company cars and ultimately cutting the number of cars in the fleet was a big issue for his automotive business. We also spoke about the environmental angle. He said that he was really supportive of electric cars, but that there were still issues with the initial cost of electric cars and the lack of infrastructure to support a mass roll-out.

The AA has calculated that the cost of filling a typical 55-litre tank has risen during the year from £70.61 to £92.20 for petrol, and from £71.94 to £99.48 for diesel. There has been the most derisory of efforts to help drivers. For me, that is symptomatic of a Government who have no idea about the impact that the cost of living crisis is having on people across the country—rising home energy prices, food prices rocketing and the cost of fuel at a record high.

Oral Answers to Questions

Margaret Ferrier Excerpts

Tuesday 17th May 2022 Commons Chamber

[Lucy Frazer]

It is important that we support local businesses, and that is exactly what the Government have done. The hon. Member will know about the business rates support—amounting to £7 billion of support to businesses—that we provided at the last Budget, including £1.7 billion for the hospitality industry through a 50% rebate on business rates. For small businesses, we also increased the employment allowance by £1,000. That is a package of support for local businesses in his area and others across the country.

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

8. What recent steps he has taken to progress the Government’s access to cash strategy.

[The Economic Secretary to the Treasury (John Glen)]

The Government recognise the importance of access to cash in the daily lives of millions of people across the UK. In the Queen’s Speech, the Government announced that we will legislate to protect access to cash in the financial services and markets Bill, which will be brought forward soon, when parliamentary time allows. We consulted on legislative approaches last year and will publish a summary of responses to the consultation this week.

[Margaret Ferrier]

If we look at the demographic of people who are most likely to be reliant on access to cash, we see that in large part it is those who are vulnerable or on low incomes. If someone is down to their last £10, they cannot afford a withdrawal fee at an ATM. Will the Government look to make all ATMs free to use for the customer by working with banks and ATM providers to reform the interchange fee, so that the system accounts for varying demographics, geography and demand in a way that it currently does not?

[John Glen]

As I said, the Government’s response will be revealed in the legislation. When I visited the hon. Member’s constituency not so long ago, I saw that the use of hubs—banks working together to provide access to cash—is key. There are 72,000 cash access points and 430,000 cashback locations across the UK. A coherent response that addresses the hon. Member’s points will be made in the legislation.

Safe Hands Funeral Plans

Margaret Ferrier Excerpts

Thursday 12th May 2022 Commons Chamber

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

I thank Mr Speaker for granting this important Adjournment debate. I know that my constituents and other hon. Members’ constituents who have been affected will be grateful that the situation has been recognised with due seriousness.

On the first day of the Easter recess, my constituent Patrick Hughes called my office following the collapse of Safe Hands Funeral Plans, which had gone into administration the week before. Quite understandably, he was extremely anxious about what would happen next. Some years ago, Mr Hughes had bought a policy or plan with Safe Hands at an initial cost of about £6,300. It was a significant investment, but it was worth it: he was paying for peace of mind that his family would not have to worry about finding the money for a funeral when the time came.

Funerals do not come cheap, but we all want to be able to give our loved ones the best send-off we can. A key attraction for Mr Hughes and for so many like him was the security that they were being offered. “Nothing can go wrong,” they were assured. “This is a smart investment: your plan is guaranteed and your family will be grateful that they won’t have to worry about it at their time of grieving.”

To date, Mr Hughes has been contacted exactly once since the business went into administration: with the initial letter informing him of the collapse. Like the many thousands of policyholders in the same boat, Mr Hughes tried to make contact with Safe Hands or its administrators to get some answers about what would happen next. His letters went unanswered. The phone lines would not connect, or the phone would just ring out. Panic began to set in.

Customers were told that the company was

“uncertain that the funeral plans will be able to be fulfilled”

and that they should consider their plans

“terminated with immediate effect”.

People were realising that it was becoming very likely that their life savings had been lost. Safe Hands was not regulated by the Financial Conduct Authority. Anecdotally, I understand that it was regarded in the wider funeral industry as a cowboy—a reputation that did not reach its customers in time for them to reconsider their investments.

The thing is that such plans, if provided by reputable companies and regulated properly, could be immensely beneficial. They really could give some peace of mind. That is why, along with the sector and colleagues, I wholeheartedly welcome the Government’s plans to bring funeral planning services under the remit of the Financial Conduct Authority this July. The plans, which include assessments of providers, fund protection measures, stricter advertising rules and bans on cold calling, will hopefully protect future customers from falling victim to the scams of unscrupulous companies such as Safe Hands. I appreciate the letter that the FCA sent me in advance of this debate, setting out how the regulatory reforms will work; I look forward to taking up its offer of a meeting to discuss them in more detail.

[Peter Grant (Glenrothes) (SNP)]

I commend my hon. Friend for securing this debate. As an example of the kind of advertising that the company has been doing, it promised that customers’ money would be kept by an entirely separate and independent company. Is she aware that the trustees set up a company called SHFT Properties Ltd and that every single person who has ever been a director of that company was also a director of Safe Hands Plans Ltd? Does she share my frustration that directors of companies that repeatedly tell such blatant lies to con their customers are allowed to carry on as directors of other companies to this very day despite the chaos left behind in the wreckage, as has happened with Safe Hands Funeral Plans?

[Margaret Ferrier]

I thank my hon. Friend for his intervention—and I shall have more specific thanks to give him a little later in my speech. I completely agree with the points that he has made. I know that the Government intend to introduce legislation relating to economic crime and impropriety during the current Session, and I hope the Minister can confirm that it is something they are seriously considering.

I was particularly happy to note the FCA’s clear focus on consumer protections, and I fully agree with their approach in wishing to ensure that customers pay a fair price, that the plan meets their needs, that the money is looked after responsibly, and that they have all the information they need in order to make an informed decision. Unfortunately, however, that announcement is just too little, too late for many of Safe Hands’ customers.

Let me provide some context by explaining the way in which Safe Hands worked. Customers’ money was put into a trust and then reinvested. These funds are supposed to protect customer investments, and, indeed, that is how the plan was sold to my constituent Mr Hughes. The trust should have been overseen by independent trustees whose job is to make sure that funds are not misappropriated, and are ring-fenced from the funeral provider’s business assets. When Safe Hands suddenly left the market after withdrawing its application to be an approved seller under the upcoming FCA rules, administrators found a significant shortfall between the value of this trust and the cost of the funeral plans that it would need to finance.

Apparently, what the administrators found was that the trust’s assets had been wildly overvalued. What was even more concerning was that most of the assets were actually owned by third parties, as was mentioned by my hon. Friend the Member for Glenrothes (Peter Grant). Reports indicate that over £60 million of the trust’s reported £64 million valued assets were high-risk investments based offshore. If that is true, we are talking about fraudulent misappropriation of the trust’s assets. I will refrain from speculating on who might have benefited from all of this, which can only be described as a scam.

[Andrew Jones (Harrogate and Knaresborough) (Con)]

The hon. Lady has made an important point. The constituents of many of our colleagues will be affected by this I have been contacted by a Mrs Hall of Knaresborough, who has been caught up in it. Does the hon. Lady agree that it is critical for funds that are supposedly secure to be managed in an effective way, and that there should be regulatory consumer protections to ensure that those who are looking for certainty at what will be a very difficult time for their families can have that certainty?

[Margaret Ferrier]

As the hon. Gentleman says, many constituents of Members have been affected, throughout the UK. It is very important for people to have that certainty, because uncertainty is an extra worry for them.

It is likely that a number of similar smaller funeral plan providers will soon exit the market before regulatory measures become effective. They may be unwilling, or even unable, to meet the requirements for regulatory approval, and that has the potential to leave customers of those companies in the same position as the customers who went with Safe Hands, with no plans and no guarantees about retrieving the money that they have put in. I know that the FCA is also looking at this issue pre-emptively, with the aim of minimising risk to people who have already invested in plans with such firms. Hopefully the work that it is already undertaking will mitigate any potential further harm to vulnerable consumers, but for customers of prepaid funeral plan companies that will shortly be exiting the market, the proof of the pudding will be in the eating.

[Nia Griffith (Llanelli) (Lab)]

I congratulate the hon. Member on securing a debate that affects so many of our constituents. As she has said, there were plans in the offing for the FCA to have a role with companies such as Safe Hands. Does she share my concern that more was not done to warn people, given that this had already been flagged up? It seems to me that not enough was done in that interim period, and, as she has said, we could see even more people affected by other companies acting in a similar way.

[Margaret Ferrier]

I entirely agree. As I said earlier, it was a case of too little, too late. More people need to be aware of these plans and what they may mean. I look forward to the FCA’s introducing that regulation at the end of July, which is not too far in the future.

For customers of Safe Hands, there is the potential for some support in the form of Dignity plc, one of the UK’s largest providers of plans. Dignity has put a plan to the administrators which would allow them to step up and cover some of the shortfall left by Safe Hands, providing immediate support where it is needed most urgently, and planning to work with other customers and their families in the longer term to find solutions that will not leave customers with nothing in place. Dignity believes that, because of its business model as a plan provider with a wide network of funeral directors, it is uniquely placed to offer that support. It has already fulfilled in full the funeral plans of all Safe Hands customers in the four weeks following the collapse of the firm.

Dignity is also already preparing for the regulation requirements that will come into effect, but even as of last night, at my last check, the information offered by the administrators through the frequently asked questions page on the Safe Hands website was insufficiently clear or reassuring. They make numerous references to Dignity’s offerings, but reiterate that customers should consider their plans cancelled with no guarantees around how much money customers will see returned, if any at all. There is a lot of “options being explored”, and “updates will be provided”, but a disappointing lack of commitment.

My constituent, Mr Hughes, really only has one immediate plea, and that is for some clarity and some willingness to proactively engage with customers. Maybe it is impossible for administrators to provide reassurances in the true sense of the word—maybe the financial realities of the situation just will not allow for that—but how difficult can it really be to ensure that the victims of this unfortunate situation are kept abreast of updates and to let them know periodically how the work is developing and that they are not being overlooked or forgotten? Mr Hughes has explained that there is so much information, so much speculating and so many customers shouting in the hope of being heard that he struggles to cut through the noise. What he needs is reliable, clear information to enable him to understand what has happened, why it has happened, and what might happen next, not only for him but for his family and his children. He worries about the worst happening while all this remains unresolved, and about the additional distress that this uncertainty will cause.

When people decide to invest in a prepaid funeral plan, it is often on the back of an event in their life that has made them come to terms with their own mortality. Maybe they are just reaching old age, maybe they have had a worrying medical diagnosis or maybe they have recently lost a loved one. That means that they are emotionally vulnerable and that they need to be sure that their investment is protected, particularly when the majority of those that choose a prepaid plan are doing so because their estate might not leave much more for their children or family than the cost of a funeral, and perhaps not even cover that.

We are in a cost of living crisis. At a time when people are struggling with the stress of paying their energy bills, putting food on the table or meeting their general living costs, it is unthinkable that, resulting from the collapse of Safe Hands, some of those people will face the added stress of trying to finance the funeral of someone they care about—a funeral that, as far as they were concerned, was already paid for, either partially or, in many cases, in full. I understand that any business needs to turn a profit. That is the nature of the game, but in this emotionally charged market based on one of the few guarantees we have in life—death—sensitivity is required. To prey on that customer base is absolutely disgusting.

While Safe Hands certainly does not represent the standards of the industry as a whole, we know that, intentionally or not, other firms have put their customers’ money and funeral plans at risk by not seeking approval ahead of the regulations. For reasons I hope Dignity understands, I am cautious about enthusiastically throwing my support behind any company in the currently unregulated pre-paid sector at the moment, but I would like to thank Dignity for proactively reaching out and sharing some information with me ahead of this debate. I would also like to thank the all-party parliamentary group for funerals and bereavement and its chair, the right hon. Member for South Holland and The Deepings (Sir John Hayes). I know that it continues to engage with the Treasury on this matter to try to ensure that dignity is maintained. I also want to thank the hon. Member for Glenrothes (Peter Grant), who organised the cross-party letter to the Secretary of State for Business, Energy and Industrial Strategy last month. This provided a co-ordinated display of the feelings held by constituents.

I hope the Minister will be in a position to provide the assurances that Safe Hands and its administrators have been unable to provide, and I urge him and his colleagues in the Treasury and across Whitehall to find a way to ensure that these people who have lost hard-earned money do not miss out on a dignified goodbye when that time sadly comes, for the sake of Mr Hughes and the 46,000 others like him, their families and friends and the people who love them most in the world.

Financial Statement

Margaret Ferrier Excerpts

Wednesday 23rd March 2022 Commons Chamber

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

Unpaid carers are increasingly worried about how they will afford to pay their bills. I am sure that the Chancellor will agree that they make an essential contribution to the UK. Will he set out whether he is considering any further measures to support unpaid carers?

[Rishi Sunak]

We are grateful to carers everywhere for the fantastic job that they do. I am confident that they and their families will benefit from the policies that we have announced today.

Bank Branch Closures

Margaret Ferrier Excerpts

Wednesday 16th March 2022 Commons Chamber

[Ms Qaisar]

I will make some progress, if my hon. Friend does not mind. [Interruption.] I am trying to be polite, Mr Deputy Speaker.

The concerns I have outlined also apply to charities and trusts, which often heavily rely on cash donations and payments. There is a security risk to volunteers, causing additional pressure, if they have to travel a distance to an alternative branch.

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

I congratulate my hon. Friend on securing this debate.

I am lucky that my constituency has the Cambuslang bank hub, which was part of a pilot scheme involving the Post Office and the high street banks to ensure locals have access to face-to-face banking services. Does my hon. Friend agree it is important that, where there are widespread closures, there is something to replace those services for the community?

[Ms Qaisar]

I agree with my hon. Friend.

I was speaking about the impact on local businesses, charities and trusts. Can the Minister confirm what the Government are doing to ensure the safety of staff and volunteers? This is an important point, because they are often having to travel a distance when their nearest bank branch has closed. Although that is a commercial decision, we cannot have our constituents put in a precarious situation when carrying cash at the end of the day or after a fundraising event.

At the heart of this, banks tell us that the decision to close a branch is driven by customer behaviour and demand, but I would argue that banks are pushing this change. Speaking to branch staff and customers to examine the trends does not necessarily provide the full context of what is happening in a particular area. Does the Minister agree that the UK Government should consider introducing an independent body to conduct independent impact assessments, including of the impact on a local community, before a bank closes a branch? Such a localised assessment could ensure that decisions made in a local area are reflective of the needs of the local community.

Oral Answers to Questions

Margaret Ferrier Excerpts

Tuesday 15th March 2022 Commons Chamber

[Mr Clarke]

The hon. Gentleman makes a very good point about tariffs. Obviously, the Government believe in free trade and it is something that we want to see happen too. As a Member of Parliament who represents a steel-making constituency, I am keenly aware of this as an issue. The Department for International Trade leads on the issue, and I know that the Secretary of State and her predecessor have had long and ongoing conversations with their American counterparts about getting those tariffs lifted.

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

With the scheme failing to attract the numbers that were predicted by over 80,000, will the Minister outline what structure is in place to attract those who have lost out, to ensure that those young people have opportunities to find a life career? Will the new scheme be UK-wide?

[Mr Clarke]

Youth unemployment is lower today than it was pre-pandemic, and the wider success of the scheme has to be judged in the context that the worst-case scenario that we were looking to offset never came to pass because of the interventions that we made. If a scheme does not achieve the headline numbers that were anticipated at the time it was established because the wider economic performance of the country was so much better than anticipated, that is a success, not something to bemoan.

Yazidi Genocide

Margaret Ferrier Excerpts

Tuesday 8th February 2022 Westminster Hall

[Margaret Ferrier (Rutherglen and Hamilton West) (Ind)]

It is a pleasure to serve under your chairmanship, Mr Hollobone. I congratulate the hon. Member for Argyll and Bute (Brendan O'Hara) on securing this important debate, and thank the Backbench Business Committee for agreeing to it. I also thank the hon. Member for Wealden (Ms Ghani) for her moving contribution.

I am glad that hon. Members here recognise the genocide perpetrated against Christians and the Yazidi people by Daesh, but I am disheartened by the fact that the Government have not yet followed suit. Almost two weeks ago, many of us contributed to the Backbench Business debate marking Holocaust Memorial Day, in which we again committed to learning the difficult lessons of the holocaust and of genocides in Cambodia, Rwanda, Bosnia and Darfur. Exactly a week before that, many of us urged the Government to at least assess whether there has been a genocide of the Uyghur people. It is disappointing to be highlighting another instance of the very worst actions of mankind in hopes of Government recognition. It is devastating that such events continue in the modern world at all.

By not acknowledging the plight of the Yazidis as a genocide, the Government are failing the victims. This House voted unanimously to recognise it as such in 2016. This is not an argument of politics or about the technicalities of international law; it is an argument of morals, and of what we are willing to sit by and silently watch continue. In the past year or so, women across the UK have been incensed with rage at the murder of women at the hands of men. The Government voiced their support for those British women, and condemned the violence and abuse suffered every day by thousands across the country. Does the Government’s responsibility to promote and protect women’s equality stop at the UK’s borders? Is women’s equality elsewhere not our problem to worry about or make determinations on?

Where there are wide-reaching campaigns of persecution, such as Daesh’s against Christians and Yazidis, women and girls face the most inconceivable and haunting horrors; we have heard about some of them. We cannot even begin to imagine those horrors, no matter how hard we might try—the trauma of forced sterilisation, rape, sexual mutilation perpetrated against children, lives destroyed before they have even begun, women abused and raped in front of their children, and women sold like cattle from man to man, time and again. There are still 2,763 women and children missing, and they have been missing for seven years. What contribution have this Government made to finding them, rescuing them or even finding out if they are alive? It is not enough simply to condemn these atrocities. The Government will not even use the word that defines them—genocide. Imagine, as a survivor, how that must feel.

There needs to be recognition of what survivors have lived through, and of what many did not survive. We all remember the headlines from those early years of conflict—the frequent news stories of British citizens leaving the UK to join Daesh in the conflict, or of those who joined Daesh but remained here at home. The UK is not entirely removed from these crimes against humanity in ways, we might argue, we are from other conflicts. Have the Government made any assessment of how many British citizens had a hand in these crimes?

No colleague here will need reminding of my final point. Unfortunately, the UK has its own issues that it must address when it comes to religious intolerance. There is a risk, whenever issues such as this come back into the public spotlight, that everyone of the same background becomes tarred with the same brush. Islam is a peaceful religion, as most are, when they are observed as they were intended to be. The word “Islam” means peace and submission. We must not let those who subvert its teachings to justify terror and atrocities stoke fear of religion, or fear of those of the faith. These atrocities are not committed in the name of Islam, but in the name of control. We cannot allow Daesh to retain control of this narrative.