Flood Preparedness: Carlisle

Matt Rodda Excerpts
Thursday 24th April 2025

(2 days, 6 hours ago)

Commons Chamber
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Julie Minns Portrait Ms Julie Minns (Carlisle) (Lab)
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I am pleased to have secured an Adjournment debate on a topic that is so important to my constituency of Carlisle. In the last two decades, Carlisle has suffered two devastating floods, which have left local people fearful whenever there is a forecast of heavy rain.

In the flood of January 2005, which was the worst flood since 1822, three local people—Margaret Threlkeld, Margaret Porter and Michael Scott—tragically lost their life. Thousands were forced from their homes as 1,800 properties were overcome by water from the three rivers that converge in the centre of Carlisle. Power and telephone lines were disrupted. Road and rail networks were closed. All the city’s buses were damaged. The civic centre, designated as the emergency control centre, along with the police station, the fire station, the main electricity substation, the telephone exchange and the sewage treatment works, were all severely flooded.

It was record rainfall that caused the flood of 2005, but just 10 years later that record was shattered, and Carlisle was flooded again. This time, 2,200 properties were breached with floodwater. Given that the floods were in 2005 and 2015, I think the Minister will understand why many of my residents are concerned that 2025, another year ending in a “5”, might bring further devastation to our city. That fear is heightened, because the defences promised by the previous Government following the 2015 flood were never completed.

It is a fear I can personally relate to. In 1985, my family’s home in the Denton Holme area of Carlisle—one of the areas still at risk because of those incomplete flood defences—was flooded when the River Caldew burst its banks. I can personally testify to the terror and helplessness that people feel when their home is invaded by water. We waded through what was once our living room, surveying possessions and furniture destroyed beyond repair. It is a horrible, crushing feeling, and even after the water subsides, the smell of damp and sewage remains. Returning to any sort of normality can take months, even years. My parents had spent the best part of two decades creating a home in Denton Holme that they loved, and my mam—who, incidentally, will turn 91 on Saturday—still talks of it. After the flood, she said she could never shake the sense or smell of damp, and within 18 months we had moved house.

In response to the 2005 flood, the then Labour Government commissioned and completed new flood defences, and over the next five years, £38 million was spent on the design and construction of flood defences at the Eden, Petteril and Caldew rivers. These were designed to protect Carlisle from a storm with a one in 200 chance of happening, and they did make a major difference. In 2012 and 2013, the defences were estimated to have prevented in excess of £180 million-worth of flood damage to the city. But on 5 December 2015, Storm Desmond hit Carlisle. It was a storm with a one in 333 chance of occurring. The rainfall triggered the highest level of flow ever recorded on the River Eden. In some locations, flood levels were approximately 600 mm higher than those experienced in 2005. Such was the extent of the flood that the crossbar posts at Brunton Park, Carlisle United’s famous stadium, were submerged under water. Fortunately, no one lost their life in 2015, and while the recently constructed defences were effective at reducing damage and delaying flooding in some locations, it was clear that more needed to be done.

Progress has been made in subsequent years, and I commend the Environment Agency for that. Since the catastrophic floods of 2015, some 1,650 homes are better protected, thanks to over 6 km of new or raised flood defences. There have also been improvements to two culverts and their associated inlet or outlet structures. The Carlisle phase 1 and 1a schemes, completed in 2021, have increased protections for homes and businesses around the Warwick Road and Botcherby areas of Carlisle. The Carlisle phase 2 scheme, also completed in 2021, raised the flood defences along the River Eden, providing further protection to the Hardwicke Circus and Castle Way areas. The Rickerby and Low Crosby schemes have also reduced the flood risk to local communities. It is particularly excellent that the latter took an award-winning, innovative, low-carbon approach; it removed historical embankments to increase the effectiveness of natural floodplains.

Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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My hon. Friend is making an excellent and powerful speech about this awful problem that affects so many people, particularly in her part of England. Can wider lessons be learned from the techniques she is describing—for example, lessons about the use of natural materials, and about changes in land use, particularly in a range of river catchments? In my area in the Thames valley, both the Thames and the Kennet have flooded; as a result of climate change, they pose much greater risk than they did. Many residents have concerns about a range of issues, and I wonder if my hon. Friend thinks there is a wider national lesson to be learned.

Julie Minns Portrait Ms Minns
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I do think there are lessons to be learned, not least because Carlisle has been so badly affected by flooding and it is so devastating. Lessons could be shared from the schemes that have been introduced in the city, particularly in relation to maximising the use of the floodplains. In a short while, I will discuss more generally some of the natural flood defence work that has happened on the outskirts of the city.

There have been a number of schemes to the north of Carlisle. In the town of Brampton, natural solutions like tree planting and the creation of wetlands have been used to mitigate the risk of flooding from the Brampton beck, all while providing wider environmental benefits to the community. A new natural flood management scheme is currently being delivered at Brampton Fell farm, offering further protection to the town. There has also been the return of the “wiggling river” at Howgill beck, which was straightened more than 200 years ago. Thanks to the work of RSPB Geltsdale warden Jen Selvidge, a 1.8 km stretch of the beck has been returned to its natural wiggly state. During heavy periods of rainfall the river can now spill out on to the natural surrounding floodplain meadows, helping to reduce the chance of flooding downstream towards Carlisle, as well as having the added bonus of creating vital pools and damp patches for wading birds to feed on.

I am delighted that earlier this month the restoration project won the prestigious UK river prize project-scale award for 2025. Natural flood management schemes like these have an important role to play, and I urge the Minister to look closely at how a redesigned sustainable farming incentive can best encourage and compensate farmers who do the right thing by their local community for the loss of the income that they might otherwise have earned from the farmland that they have given over to natural flood management schemes.

One of the groups that particularly deserves praise in keeping Carlisle’s flood preparedness under the spotlight is the Carlisle Flood Action Group. Since its founding in January 2016 in the wake of the December flooding, it has done an excellent job of campaigning for the defences that our city needs. Indeed, it is one of many examples that show Carlisle at its very best. Our community is one that pulls together, and nothing encapsulates that better than it taking just 49 days from the 2015 floods to get the aforementioned Brunton Park back up and running and ready for matches once again. Some might say that, given our form this season, we could use a little bit of a delay to the end of it, but I will not dwell on that point.

Let me be clear: more needs to be done. In January last year river levels threatened to overwhelm the city again. Last May, rainfall equivalent to a one-in-300-year storm led to the flooding of 100 properties in the village of Scotby, just outside Carlisle. Our changing climate only makes these sorts of storms more common. Indeed, the Environment Agency believes that the impact of climate change in the River Eden catchment, which covers near the majority of my constituency, will be more severe than in the vast majority of river catchments in England.

At the very top of the list of what must be done is the Caldew flood risk management scheme, which many people in my constituency will know as the long-promised Carlisle phase 3 scheme—the one that was not delivered by the last Government. The scheme’s objective is to reduce flood risk to over 1,700 properties in the Denton Holme, Caldewgate and Willowholme areas of the city. I was grateful to Carol Holt, the Environment Agency area director for Cumbria and Lancashire, for accompanying me on a tour across the area in February this year, but despite assurances dating back years, residents have become frustrated by a lack of communication from the EA since the project was first paused in 2021 due to viability concerns.

We are not the only community waiting for defences or even trying to get maintenance done to existing defences. After 14 years of Conservative dither and delay, some 3,000 Environment Agency high-consequence assets were below the required condition. That is one of the reasons that I am glad we now have a Labour Government, and an especially responsive Minister for Water and Flooding. I welcome the planned investment of a record £2.65 billion in the next two years to build and repair over 1,000 flood defences, better protecting 52,000 properties across the country.

Last month, over £1 million was pledged towards a number of schemes in north-west Cumbria, including road surface work at Etterby Terrace and Wigton Road in Carlisle, and a property flood resilience scheme at Warwick Bridge, just outside the city, which I have been pushing the EA to deliver since I entered this place and which is planned to be finished by winter 2025. Some £300,000 was secured for the long-mooted Caldew scheme; I have been told that feasibility studies are due by the end of the summer, and although I look forward to their conclusions, I am concerned that even if a path is identified, it may be five to 10 years until the scheme can be delivered.

Tackling the risk from the Caldew cannot just be about creating ever higher and more expensive and imposing flood defences. Instead, we need a range of measures, both in Carlisle and outside it, to help slow and hold the water away from the city, buying precious time for the river levels to ease. I understand that the Caldew scheme will be one of the largest schemes that the Environment Agency has ever undertaken, but it is vital to the lives of over 100,000 residents in Carlisle and to the prosperity of a place that has been the centre of trading in north-west England since before Roman times. I recognise that delivering the scheme will not be quick and I urge the Minister to ensure that a suite of measures is employed in the interim to mitigate the immediate threat from the River Caldew. Those measures could include a plan to remove aggregate and vegetation build-up that slows the flow of the river through the city.

I wish to address one other aspect of flood preparedness: emergency planning. I am glad that further expansions of the flood warning provision have taken place in Carlisle, including two new flood warning areas at Warwick Bridge and Parham beck, covering a combined 330 properties. I am also grateful for the flooding text alerts that I receive on a regular basis, but one issue that has been pointed out to me, particularly by the Carlisle Flood Action Group, is the need for more information to be made available to the public ahead of an incident, so that people can see where their nearest emergency shelter is planned to be in the event of a flood. I understand that such information is not currently available, so the first time the public hear of those locations would be when a flood occurs.

Matt Rodda Portrait Matt Rodda
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My hon. Friend makes a very good point. In my own experience and that of local residents, alerts sometimes happen in the middle of the night, so it is extremely worrying and difficult for residents to respond quickly. She is right that there needs to be a proactive element, but does she also believe that there needs to be better co-ordination between private landowners, local authorities and the EA to tackle this issue? Particular concerns about private landowners have been raised with me. Will she comment on that point?

Julie Minns Portrait Ms Minns
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I am aware, certainly in the Denton Holme area, that a number of different landowners have responsibility for the maintenance of the river banks. As my hon. Friend identifies, that patchwork of responsibilities gives rise to a number of issues. It would be desirable for more information about flood alerts to be available in advance, so that people could plan for such an eventuality, but I recognise that those plans need to be dynamic; as I highlighted, in 2005 people could not get to the emergency centre because it had been cut off by the flood water. I recognise that providing that information in advance will not be absolutely perfect, but it would be beneficial for it to be made available.

If emergency locations were known, residents would have a better understanding of where to move to in the event of an emergency and would begin to do so, as my hon. Friend the Member for Reading Central (Matt Rodda) indicates, when that all-important flood alert came through. I would be grateful if the Minister could consider that point in her response.

In summary, I urge haste. I have already said that we are in another year ending in a “5”, and that does present concerns for my constituency. We passed the 20-year anniversary of the tragic 2005 floods in January and we approach the 10-year anniversary of the 2015 floods in December, so it is vital that we get on with delivering the schemes needed to keep our great border city safe and secure for many years to come.

Emma Hardy Portrait The Parliamentary Under-Secretary of State for Environment, Food and Rural Affairs (Emma Hardy)
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I thank my hon. Friend the Member for Carlisle (Ms Minns) for securing this debate. I wish a happy birthday to her mam, who I believe has her birthday at the weekend. I am really delighted to have the opportunity to hear about and discuss the steps being taken to prepare for flooding in Carlisle and across England. On a personal level, I have to say that my hon. Friend’s constituents made an excellent choice in making her their Member of Parliament, because she always lobbies me so nicely. That is always nice, but it also makes it very difficult for me ever to say no. I spoke with the Environment Agency earlier, and its representatives also told me how engaged my hon. Friend has been on flood risk reduction in Carlisle and were very complimentary about her persistent and kind lobbying.

Protecting communities, homes, businesses and farmland is our priority, and that is more important than ever as climate change brings more extreme weather to the nation. I have met my hon. Friend twice in the last year formally, and many times informally, to speak about some of the challenges that her constituency faces. I understand the awful experience of flooding, and I know full well that flooding of any kind is devastating for those affected. My hon. Friend has spoken in this House on the issue of flooding 20 years after the terrible 2005 floods, which are considered the worst in Carlisle since 1822 and, as she said, tragically claimed the lives of three people. In 2015, Carlisle saw further devastation from Storm Desmond. I know that she raised that issue last December, asking the Prime Minister what assurances could be given on delivering flood defences that might prevent a repeat. Only last year, Carlisle was badly affected again, so I understand my hon. Friend’s urgency.

Unlike the last Government, who left our defences in a state of disrepair, I am pleased to share that the investment for this year between April ’25 and March ’26 includes more than £1 million across nine schemes in my hon. Friend’s constituency alone. Her constituency is receiving £1,015,000 this financial year, of which £660,000 is allocated to the city of Carlisle itself. I know that she has expressed particular concern about the delays to the Caldew flood risk management scheme, which I am delighted to confirm has an investment of £300,000 this year for further development. I hope that reassures her that efforts to reduce flood risk to more than 1,700 properties in the Denton Holme, Caldewgate and Willowholme areas of the city are firmly in motion.

My hon. Friend mentioned the Caldew flood risk management scheme, which in ’25-26 will receive an investment of £300,000, in relation to feasibility studies. In 2021, Environment Agency consultants carried out a feasibility study on further flood risk management options for the city of Carlisle, the outcome of which was that that option was not viable. However, another feasibility study is live on other potential options for flood risk management schemes, including, as my hon. Friend mentioned, work upstream of the city. The EA expects that study to conclude this summer.

Great progress has been made in Carlisle in recent years. Parts of the area have some of the highest standards of river and flood protection anywhere in the country, with new flooding schemes designed with a 0.5% annual probability of flooding. My hon. Friend highlighted the work of Jen Selvidge, the RSPB Geltsdale reserve warden, in helping to return 1.8 km of Howgill beck to its natural state of wiggliness, and the work of the Carlisle Flood Action Group to keep Carlisle’s flood preparedness in the spotlight. Local flood action groups play such an important role across this country. Led by the communities themselves, those groups give a voice to local areas and allow communities to work in partnership with local authorities and the Environment Agency. I pay tribute to all of them up and down the country.

Turning to the use of emergency shelters in a flooding event, it is of course local authorities that are responsible for setting up and managing rest centres during evacuations, providing temporary shelter and support for those who have been evacuated. Typically, those locations are not published in advance, as the locations in use will depend on availability, the location of the emergency, and the number of people who may need to use them. The concern is that publishing in advance could risk people attending an inactive location, or one affected by the emergency itself—my hon. Friend mentioned one of the emergency centres itself being flooded, and therefore unable to be used. We will, however, work with the local authority to ensure that a list of potential shelters is published, which can provide residents with notice of where their nearest shelters may be set up.

During a flood emergency, local authorities and the Environment Agency work closely with other emergency partners to co-ordinate messaging—including the possible use of emergency alerts—to affected communities and local flood groups, to ensure that residents have timely and consistent guidance during an emergency. I spoke to the Environment Agency this morning, which informed me that it would contact my hon. Friend the Member for Carlisle to discuss the location of emergency shelters in Carlisle and how to make people aware of where they could be, while taking into account that in an emergency, some of them might not be able to be used. We do not want people going to the wrong place, so there is a balance to be struck, but the Environment Agency is happy to talk to my hon. Friend in more detail.

Carlisle is one of the many areas in England that will be receiving investment this year. I am therefore proud to share that in delivering on the Government’s plan for change, we are investing a record £2.65 billion over two years in the construction of new flood schemes and the repair and maintenance of existing ones. With that funding, 1,000 flood schemes have been supported or will continue to be supported, helping to protect 52,000 more homes and businesses. Maintenance of existing flood defences is also being prioritised, ensuring that a further 14,500 properties will have their expected level of protection maintained or restored. In total, 66,500 properties will benefit from that funding, helping to secure jobs, deliver growth and protect against economic damage.

We recognise that many flood defence projects have stalled over time, due partly to an outdated formula for allocating money. We have therefore made available £140 million from the £2.65 billion investment programme, which has been prioritised for 29 projects that are ready for delivery, ensuring that nearby communities are protected as soon as possible. The full list of schemes to receive funding in 2025-26 was announced on 31 March and can be found online, and we will of course continue to invest in new defences.

Because we have inherited flood assets that are in the poorest condition on record following years of under-investment, 3,000 of the Environment Agency’s 38,000 high-consequence assets have been left below the required condition. In a November 2023 report, the National Audit Office recognised that increasing investment in operating and maintaining existing flood defences was critical to reducing the frequency and impact of flooding. As such, we are taking decisive action to fix the foundations, giving communities confidence that flood defences will protect them. To support that action, we are re-prioritising £108 million of investment in repairing and restoring critical assets: £36 million in 2024-25 to target repairs towards assets damaged in storms last winter and ongoing flood events; and a further £72 million this year to continue repairs and ensure that assets are as resilient and reliable as possible, and that they operate as expected in flood events.

In addition, the environmental land management schemes present a valuable opportunity to support flooding and coastal erosion risk management aims through direct funding of actions, providing a revenue stream to support landowners working with EA capital schemes, and indirect actions, which will lead to reduced watercourse maintenance requirements and increase the lifespan of our assets. I would like to reassure my hon. Friend the Member for Carlisle that the EA actively monitors aggregate and vegetation throughout the year for critical locations that are trigger points, and when those trigger levels are met, gravel and vegetation is removed when timing allows. If she has any concerns about those levels —if she believes they have already been met—that can be another conversation to continue with the Environment Agency.

Protecting communities around the country from flooding is one of the Secretary of State’s five core priorities, which is why we set up the flood resilience taskforce to provide oversight of national and local flood resilience and preparedness. That taskforce brings together Ministers from DEFRA, the Ministry of Housing, Communities and Local Government, the Cabinet Office and the Department for Transport—the fact that we have so many Ministers in the same room to discuss flood resilience demonstrates the priority given to that issue across Government. It marks a new approach to preparing for flooding by bringing together representatives from national, regional and local government, the devolved Administrations, the emergency services, charities and environmental interest groups. I was pleased to chair the taskforce when it met on 5 February to look at learning from flooding since last September and longer-term funding and investment reform. The discussions from that meeting are now being taken forward through collaborative action groups of taskforce members, and we are looking at flood warnings, flood recovery and flood insurance. The next taskforce meeting will take place in May 2025, where the action groups will report back on their work to improve flood resilience and better protect and support vulnerable communities, because flood warnings are frequently mentioned as a concern after flooding events.

We are also providing vital funding to support greater resilience for farmers and rural communities. The Government announced last month an additional £16 million boost to the internal drainage board fund, which has been bolstered to a total of £91 million from the previously allocated £75 million. It will enable investment in modernising and upgrading IDB assets and waterways to ensure they are fit for the future. More than 400,000 hectares of agricultural land and around 91,000 homes and businesses across England are expected to benefit from the IDB fund.

Turning to the sustainable farming initiative, more than half of all farmed land is now being managed in environmental land management schemes. That includes more than 37,000 live SFI agreements undertaking a range of actions, including to strengthen natural flood defences. We announced on 11 March that the current SFI budget had been fully allocated, and we will continue to support farmers to transition to more sustainable farming models, including through the thousands of existing SFI agreements over the coming years, and a reformed SFI offer.

Now is the right time for a reset of SFI, supporting farmers, delivering for nature and targeting public funds fairly and effectively towards priorities for food, farming and nature. The Government will work with the farming sector to prioritise funding for future years, so that we can target those who will benefit most before reopening to new applicants. There will be a new and improved SFI offer, with details to follow in summer after the spending review. The improved SFI scheme will be another step in this Government’s new deal for farmers to support growth and farm profitability. If my hon. Friend would like, I can share details highlighting her interest in providing views to the officials responsible.

Looking ahead, I have set out plans to consult on a new strategic vision for floods investment. I am pleased to say that a consultation on reforms to the funding formula will be launching shortly this spring. We will ensure that the challenges facing businesses and rural and coastal communities are adequately taken into account when delivering flood protection. Flood schemes proceeding in 2026, 2027 and beyond will continue to be subject to the annual regional flood and coastal committees consenting process, with local elected representation, and to decisions from the upcoming spending review.

Matt Rodda Portrait Matt Rodda
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I appreciate the work that the Minister is doing in this area. She is proving herself to be an excellent Minister who is willing to listen to those of us with concerns about flooding. As part of the review, is it possible to investigate the role of locks and weirs in river catchments and how they are maintained and operated when rivers are at a high level? Concerns have been raised with me by local residents that some weirs or locks—this is an issue within the community, which I have not yet been able to fully check out—may have been opened at times of high flow, when perhaps it might have been better for the water to have been managed in a different way. Is it possible to have further consultation on that?

I understand that in some catchments there are different ways of locks and weirs being managed, and it may be that there is no national standard. On the Thames, there are often lock-keepers who are paid employees, but with some tributaries, it is not as organised as that, and it may be individual landowners who are responsible. In our area, the way that the Kennet—it is a large tributary, but still only a tributary—is managed is different from and less professionalised than the Thames, and concerns have been expressed about that.

Emma Hardy Portrait Emma Hardy
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I thank my hon. Friend for his thoughtful contribution as always and for his interest in this area. The management of locks and weirs probably does not come into the scope of the flooding formula review, but I have heard the point he is making, and I will talk to officials about whether the management of locks is taken into account with flood plans and how that is managed consistently around the country. I will write back to him on that, if that would be useful.

The Government’s record two-year investment in our flood defences will better protect communities across the country from flooding. It will also boost economic growth in local communities by protecting businesses, delivering new jobs and supporting a stable economy in the face of the increasing risk of flooding as a result of climate change.

Through our plan for change, this Government will deliver a decade of national renewal and economic growth, and we are committed to ensuring that communities are better protected from flooding in the first place. We will continue to deliver and repair flood defences, improve drainage systems and develop natural flood management schemes. As ever, the emergency services, the Environment Agency, local authorities, voluntary organisations and Government Departments stand ready to support affected people in any future flooding event, and I pay tribute to them all. It is a personal priority and a privilege to be the Minister responsible for flooding, and I will continue working to ensure that this country is more resilient to floods.

Sewage

Matt Rodda Excerpts
Wednesday 23rd April 2025

(3 days, 6 hours ago)

Commons Chamber
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Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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First, I should declare an interest: I have close relatives working in the water sector, although in science rather than in the water industry. I rise to speak in favour of the amendment in the name of the Prime Minister, the Secretary of State and other Ministers. Our rivers have suffered from serious sewage pollution over many years and I am pleased the Government are now taking action to address this terrible problem. I want to discuss the nature of the action and to raise some important constituency matters.

As we have heard this afternoon, for far too long water companies have ignored residents’ concerns and continued to pump sewage into our rivers, lakes and seas. Reading is particularly badly affected because it is downstream of many of the pumping outlet stations further up the Thames, as colleagues from the Thames valley area have hinted at.

I strongly support the measures taken in the Government’s Water (Special Measures) Act, which tackles the issue. The legislation received Royal Assent on 24 February, and introduces tough new penalties, including imprisonment for water company executives when companies fail to co-operate or when they obstruct investigations. Notably, it also bans bonuses for CEOs and senior leaders within such companies unless high environmental standards are met, consumers are protected and the company is financially resilient. The Act ensures that each emergency sewage overflow outlet is independently monitored, which is an important step forward. That will make it quicker and easier for regulators to investigate and punish wrongdoing. The measures will increase transparency by requiring water companies to publish real-time data for all emergency overflows in England—again, a clear and important step forward.

We heard earlier—my hon. Friend the Member for Truro and Falmouth (Jayne Kirkham) from the Select Committee mentioned further details—that the Government have commissioned the Cunliffe review, which is another important step forward in tackling these problems. It will look in much greater detail at how companies are held to account for non-compliance and at a number of other matters.

I am conscious of time, but I would like to raise some local examples of sewage pollution and other matters related to waterways in the Reading area. I have seen—as I spoke about during the debate on the water Bill—some appalling incidents of sewage pollution in my area, including seeing a tributary of the Thames turn a lurid green after a sewage incident in Hampshire, which fed into Foudry brook, which is a tributary of the Kennet, which ultimately flows into the Thames.

Tom Hayes Portrait Tom Hayes (Bournemouth East) (Lab)
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On Friday, I will be testing the water quality in Christchurch harbour because we need a conservation policy there, as suggested by the Christchurch Harbour and Marine Society. I am also concerned about the River Stour in my constituency. Does my hon. Friend agree that the Environment Agency could set higher standards for water quality and, in so doing, help to establish the data that shows where areas are falling short? I am particularly concerned about the River Stour, but I know he too will have rivers that he is concerned about.

--- Later in debate ---
Matt Rodda Portrait Matt Rodda
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I would of course like to see further work carried out by all agencies. My hon. Friend makes a good point about the river in his constituency. In my own constituency, there are a number of rivers, including the Thames and the Kennet. Many flow through heavily populated areas and places where people enjoy walks by the river, and—as the hon. Member for Beaconsfield (Joy Morrissey) mentioned—rowing, swimming, sailing and many other activities.

I have also seen the way that sewage pollution can interfere with wildlife. In one case, I saw the stark and appalling contrast of visible pollution in the river—foam from sewage and other nitrate pollution—next to a kingfisher. It is sad to see the way that these beautiful rivers are polluted by appalling outflows.

Sean Woodcock Portrait Sean Woodcock
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Like me, my hon. Friend will receive hundreds of emails and bits of correspondence on the performance of Thames Water. Does he agree that that company in particular should take the Act as if they were being put on notice and that further action may follow if necessary to improve standards?

Matt Rodda Portrait Matt Rodda
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My hon. Friend is right on cue and entices me to the next area I want to talk about, which is the general problems with Thames Water. Those of us who represent constituencies in the Thames Water area know that it is an appalling company. I do not want to criticise individual members of staff—the head office is in my constituency and many local people work hard there—but, in my experience, the company is poorly managed.

I was going to mention a number of other incidents, including two where water was cut off to large parts of Reading’s suburbs and where residents are still waiting for compensation. I have had to write to Ofwat to ask it to investigate. I have had other incidents, including the creation of a sinkhole due to a water leak, which has caused severe distress to residents; I appreciate that that is not sewage, but it is part of the wider water provision network, so I hope that it is in the scope. In this case, residents are having to wait for concrete to be pumped into the chalk in order for the road next to their homes to be stabilised. I have seen a series of wider problems with flooding and other concerns about watercourses not being maintained.

Tom Hayes Portrait Tom Hayes
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Will my hon. Friend give way?

Matt Rodda Portrait Matt Rodda
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Of course.

Caroline Nokes Portrait Madam Deputy Speaker (Caroline Nokes)
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Order. The time limit has been reached. The hon. Member for Reading Central (Matt Rodda) ought to have concluded his remarks rather than taken another intervention from the hon. Member for Bournemouth East (Tom Hayes).

Water (Special Measures) Bill [Lords]

Matt Rodda Excerpts
Emma Hardy Portrait Emma Hardy
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As I have mentioned, I am a huge fan of our chalk streams. The hon. Member is right to point out that the much-lauded water restoration fund that some Members are so keen to talk about was established in November 2022, yet 18 months later the grand total of the number of projects supported by it was zero.

A number of hon. Members have also put forward suggestions to improve information and data sharing more broadly. The hon. Member for Beaconsfield (Joy Morrissey) has put her name to some of these amendments. Although the Government do not think it necessary to bring forward legislation in this space, we are actively considering ways of making data more accessible to the public through non-legislative means. This includes information on water companies’ performance and data on local sewer networks in map form, which must be made available free of charge under the Water Industry Act 1991.

Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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Will the Minister give way?

Emma Hardy Portrait Emma Hardy
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This is going to be my last one.

Matt Rodda Portrait Matt Rodda
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I am grateful to the Minister for giving way. Her comments on this point will be welcomed by many of our local residents. Will she provide further information about the greater powers for Ofwat?

Emma Hardy Portrait Emma Hardy
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This Bill will, of course, empower Ofwat to take necessary action where it finds wrongdoing, including through changes to remuneration under clause 1. I know my hon. Friend cares a lot about this.

Public Services: Rural Areas

Matt Rodda Excerpts
Wednesday 22nd January 2025

(3 months ago)

Commons Chamber
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Sean Woodcock Portrait Sean Woodcock (Banbury) (Lab)
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I am grateful to my hon. Friend the Member for North Northumberland (David Smith) for securing this debate. He gave a really long speech of considerable depth. I am not going to repeat that, purely because I do not want to repeat any of the things he has said in such detail.

I am grateful for the debate because it offers an important chance to reset the narrative that has gone around over recent months about our rural areas. It has been suggested that our rural areas are suddenly in crisis because of things that have happened in recent months. Let us be clear: our rural areas are in crisis because of 14 years of under-investment and the betrayal of the post-Brexit deals that undercut our famers, making their lives much more difficult than they were previously. That needs to be put on the record.

In many ways, our rural areas are suffering because they are too robust, too resourceful, as my hon. Friend the Member for North Northumberland said, and too innovative, so they have not been seen to suffer as much as other parts of the country may have done. I have a couple of examples of that from my constituency.

House prices are an issue in my area, as they are across much of the rest of the country. In one village, Hook Norton, people working in local shops and even artists—people valued by the community—have had to leave because they could not afford to stay. Not content to allow that to continue, people in the village set up a community land trust and invested capital in purchasing land to build properties. Last year, the trust opened 12 affordable homes in the village, catering to local communities. The scheme has its own power generation and the homes are covered in solar panels. It is a brilliant example of innovation and looking after the community in the face of challenges from elsewhere.

In the village of Middle Barton, in my constituency, bus services had been cut by the previous Conservative county council, because of decisions made by the Conservative Government in Westminster. Local people took it upon themselves to set up their own bus company, although, granted, it was manned by volunteers. Last year, not long after I was elected, I had the privilege to open the new bus scheme and see the two brand-new buses serving the community, ensuring that people there are not stranded. Those buses are electric, so they are thoroughly in keeping with our climate agenda.

Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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My hon. Friend is making an excellent point about rural bus services in Oxfordshire. My seat of Reading Central has a boundary with Oxfordshire, and we have noticed in our area that the complete withdrawal of services by Oxfordshire county council was a terrible mistake. Luckily, Reading Buses, a council-run company, serves some of the neighbouring parts of Oxfordshire, near Reading, including villages like Sonning Common, but I have enormous sympathy for his residents in the northern part of the county. I offer my support to those local companies that are obviously doing a very good job.

Sean Woodcock Portrait Sean Woodcock
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I am grateful to my hon. Friend for his intervention.

A further example is the village of Charlbury, where there is an installation called South Hill solar farm, a community-owned solar farm providing energy to 1,200 residents. It is an incredibly popular and well-run scheme. It is in an area of outstanding natural beauty, but absolutely everybody there loves it. I mention it because this Government’s ambitions are not contrary to the ambitions of those in rural areas. This Government’s ambitions rely on delivering in rural areas, whether on housing justice, improving public health or, above all, delivering growth, which is our main focus.

However, people are being held back, as my hon. Friend the Member for North Northumberland said. They face a double whammy of poor connectivity in relation to transport—we have already touched on buses—and to access to broadband and decent communication services. My plea to the Minister, in my final remarks, is that he makes it clear to his Cabinet colleagues that people in rural areas do not want anything different to what is wanted by those in the urban seats, which may previously have been seen as the Labour heartland. People in rural areas want exactly the same as those in urban areas: access to good health services, education, jobs and affordable housing, and the same opportunities as everybody else.

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Daniel Zeichner Portrait Daniel Zeichner
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I thank my hon. Friend for his intervention. Let us speak outside this debate about that particular case; I am not qualified to comment on it at the moment.

Rising energy costs also pose a challenge to rural communities and businesses, and I am all too aware that fuel poverty rates are higher in rural communities. We also have many homes that are off grid. My party’s manifesto was clear: we are determined to lower bills, boost energy security and protect our environment by setting up Great British Energy. GB Energy will also support local and combined authorities and community energy groups to roll out small and medium-scale renewable energy projects, with the goal of increasing local generation across the whole country by up to 8 GW of capacity by 2030.

Matt Rodda Portrait Matt Rodda
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In my constituency, there is an excellent small renewable scheme, and I wish to raise that with the Minister and perhaps point out the need for further similar schemes elsewhere. It is a low-head hydro scheme on the River Thames in the village of Caversham, where several hundred users benefit from cheaper electricity. However, there were significant obstacles to setting up the scheme. May I meet my hon. Friend to explain those issues? There are many other weirs along the River Thames. Most of them are not used for such schemes, yet almost all of them are potentially suitable sites for this type of wonderful renewable energy, which offers residents in rural areas a cheaper form of energy.

Environmental Protection

Matt Rodda Excerpts
Tuesday 21st January 2025

(3 months ago)

Commons Chamber
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Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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It is always a great pleasure to follow the hon. Member for Strangford (Jim Shannon). I wholeheartedly support the Minister and the Government on this important matter. I want to highlight a few brief points in the time I have available, and underline the points made by many other Members about the importance of tackling litter, tidying up, making communities seem loved and helping local residents, as well as the important complementary point about protecting wildlife. Bottles and other packaging are a menace to small mammals, fish and other wildlife, and an eyesore in rivers and on the coast. That needs to be tackled, so I wholeheartedly welcome the measures.

I will cover three points: I will discuss an aspect of the difficult work under way to tackle the problem of litter, highlight the growing scale of the challenge of litter, and underline the importance of behaviour change, which is rightly at the heart of the Government’s policy. May I, like other Members, say a few words of thanks to the wonderful volunteers and organisations in my area that carry out admirable work to deal with litter? Much of that work is completely unpaid and unrewarded in any financial way, but it gives people a huge sense of wellbeing, and they have the support and understanding of their communities for tackling litter.

Keep Caversham Tidy is a local group set up by a group of friends during the pandemic. Since then, it has flourished, and I had the pleasure of going out to help the group. Its work illustrates the practical problems that local authorities and voluntary groups face. When we were clearing up in Christchurch Meadows in Caversham, near the River Thames in Reading, we could see a lot of deeply embedded waste, including drinks cans and bottles, buried behind park benches and logs in the large park. That litter could have caused damage to wildlife, and it was an eyesore and a menace to residents using the park. There was also a risk of it getting into the River Thames, and once waste is in a river, it can travel out to sea and cause untold damage there.

Good work is undertaken by many local groups in the Reading area, particularly by Katesgrove Community Association, which has dealt with two fly-tipped piles of rubbish in the last couple of days, despite the cold weather. The work of those volunteers supports the enormous amount of work undertaken by landowners and local authorities. That work is unrelenting. Our council takes the issue extremely seriously. It has driven up the recycling rate to well over 50% and introduced food waste recycling, along with other measures. It will shortly introduce doorstep glass recycling, although some glass will not be covered by the scheme. However, the council struggles enormously because of a whole series of practical problems; I will come to that later. It even has a lorry that drives round Reading constantly picking up fly-tipped waste that is reported. That is the scale of the problem that it is trying to tackle.

To give an illustration, I was recently talking to residents in Waldeck Street, near Whitley Street council estate in Reading, and we could see piles of fly-tipped rubbish, including household waste, bottles and other forms of packaging. There is a link, as was highlighted earlier, between fly-tipping and drinks cartons and containers. The Minister is on the right path in giving people an incentive to recycle, so that waste does not get into the illegal waste stream, including through fly-tipping. The evidence from around the world is really clear. I remember the tail end of the scheme that the hon. Member for Strangford describes; there was an incentive in the UK to return bottles as recently as the 1980s or ’90s. Let us go back to that.

Farmland Flooding

Matt Rodda Excerpts
Wednesday 15th January 2025

(3 months, 1 week ago)

Westminster Hall
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Jerome Mayhew Portrait Jerome Mayhew (Broadland and Fakenham) (Con)
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I beg to move,

That this House has considered nature-based solutions for farmland flooding.

It is great to see you in your place, Dr Murrison. Before I start, I will draw your attention to my declaration in the Register of Members’ Financial Interests: I am a director of a farming company. I do not claim to be a farmer—look at my hands—but I am directly involved in farming and I could benefit from some of the measures that I am proposing.

There are two areas that I want to discuss. The first is the impact of flooded fields on farms and what should be done to help them. The second is the impact of agricultural flooding on other areas of flood risk, and what should be done to incentivise farmers to help ameliorate flooding elsewhere by accepting flooding in some areas of their farms.

Before I go into that, it is necessary to look at the background, and I will give some stats to help paint the picture. Seventy four per cent of the total floodplain in the United Kingdom is agricultural land. That is perhaps no surprise, because centuries of flooding and recession have formed some of our richest agricultural land. In fact, 60% of our best and most versatile land is on the floodplain. As a result, the argument about what should happen with floodplains—whether they should be allowed to flood, be rewilded or be retained for agricultural use—is central to the significant and increasingly political debate about food security.

The incidences of flooding are increasing. We can argue about the reasons behind that, although we do not need to do so today. Last winter, there were more than 1,000 flood warnings for farmland, which was a record high. As any farmer will say, particularly in the east of England, last spring the land was inundated with water. It was impossible for farmers to get on the fields until much later than normal, which had a knock-on impact on sowing and a consequential impact on yield for this year. More recently, we had the new year’s flooding right across the country.

We can see from that pattern, and from a much longer one, which we do not need to go into, that there is now a norm. If we look at the new and updated forecast of the change in our weather patterns that we should experience through global warming, although it is true that it will be warmer and drier in the summers, the expectation, which so far seems to be borne out by reality, is that the winters will be wetter with greater incidences of intense rain, which is the kind of rain that leads to flooding. We need action to fix the changing situation.

The first argument I will make about flooding on farms is that watercourses need to be cleared. Not every drainage needs to be slowed down to prevent flooding elsewhere. Although that is very fashionable—I fear that some of that fashion has found its way into the Environment Agency—it is crucial that drainage that is intended to remove water from productive farmland is cleared regularly, either by the Environment Agency or by it getting out of the way and allowing local farmers to do that on its behalf. Farmland is not free flooding for the Environment Agency. That is a crucial distinction between what the Environment Agency may have planned for flood defences lower down the watercourse and the necessary requirement that the best and most versatile land continues to be used effectively for food production.

We need to identify potential flood relief, including areas where the quality of the land is less good and where, in negotiation with landowners and farmers, we can identify historical floodplains and, perhaps, flood meadows. One of the few traditional flood meadows that still exists is in my constituency at Sculthorpe meadow, and there is another one on the Wensum. That is part of only 1,100 hectares of traditional flood meadow that still exist in the country. There can be agreements there with the Environment Agency, to take advantage of the funding that is available from central Government, which I will come to in a minute. There is a potential for farmers to benefit from allowing areas of lower-quality land to accept flooding for the benefit of others.

Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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I thank the hon. Member for securing this debate, which is important not only to rural communities and farmers, but to people living downstream in larger towns. Does he agree that the sort of discussions that he describes need to be held with landowners quite far up the catchment area, towards the top of a large river catchment? For example, for our area in the Thames valley, the ideal position would be that farmers in the Cotswolds or in the northern part of Oxfordshire are consulted about this, rather than farmers further downstream in the central part of Berkshire.

Jerome Mayhew Portrait Jerome Mayhew
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The hon. Gentleman is entirely right. One of the beauties of the environmental land management scheme brought in by the last Government is that it has three stages. There is the in-field sustainable farming incentive, countryside stewardship, which has the in-farm elements, and the landscape recovery tier, which anticipates exactly that—I would describe them as in-valley projects. It is right that we should look right across a watercourse in those discussions, but it needs to be done in consultation with farmers, who should not have this imposed on them by a lack of drainage on the part of the Environment Agency.

Where there is flooding of productive farmland, it is necessary for the Government to build on the farming recovery fund, which was instigated by the last Conservative Government. That provides up to £25,000 a farm for an uninsured loss event. I welcome the Government’s announcement that they will provide an additional £10 million to that fund, but that is the start, not the end, of what needs to be done, so that farmers who suffer uninsurable loss to their farmland—their productive livelihood—are compensated.

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Matt Rodda Portrait Matt Rodda
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rose—

Emma Hardy Portrait Emma Hardy
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I will give way to my hon. Friend the Member for Reading Central (Matt Rodda) and then to the hon. Member for Glastonbury and Somerton (Sarah Dyke), but I have only six minutes.

Matt Rodda Portrait Matt Rodda
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The Minister makes an excellent point. In my area, a major flood prevention scheme in Caversham, which is part of the Greater Reading area, has unfortunately been deferred. However, there is some good news regarding the point that she and the hon. Member for Broadland and Fakenham (Jerome Mayhew) made about landowners working together. I visited Kennet meadows and Fobney meadows, and saw three different landowners working together to rewild a flood meadow to enhance the land’s ability to soak up water. Much can be done if central Government and local government play a leading role in co-ordinating work with landowners, and build a team approach at a local level.

Emma Hardy Portrait Emma Hardy
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That sounds like an excellent example. I note that the hon. Member for Glastonbury and Somerton intervened earlier on the hon. Member for Broadland and Fakenham so, if she does not mind, I will use the last five minutes of the debate to respond to some of the comments made earlier.

We are looking at reviewing the flood funding formula, which was brought up by farmers during many of the visits that I made when I was in a shadow ministerial position. I want to work with all the various stakeholders on that, and I recognise that, in my opinion, at the moment the flood funding formula disincentivises investment in rural areas. I want to have a serious look at that.

I hate to see an outbreak of, almost, unity—although that is nice to have sometimes—but there is much love among Labour Members for natural flood management, so I welcome the comments made by the hon. Member for Broadland and Fakenham. The Government champion and support natural flood management, and I am keen to explore how we can encourage more of it, throughout England. I have therefore convened a roundtable on Monday to explore opportunities and challenges in the delivery of natural flood management. It will include experts and those directly involved in the projects, and will help inform our delivery of natural flood management. I look forward to hearing from farming representatives as part of that discussion, and have invited the National Farmers Union, the Nature Friendly Farming Network and the Country Land and Business Association. I am keen to hear how their views can feed into Government work.

As has been mentioned, various natural flood management methods can be used to protect flooded farmland, such as planting winter cover crops, soil management, matching grazing density to the capability of the land, avoiding growing certain crops on steep slopes, and blocking drainage ditches to slow down run-off and create wetland habitats. There will be measures that benefit flood mitigation in all three of the environmental land management schemes: the sustainable farming incentive, countryside stewardship and landscape recovery.

Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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It is a pleasure to speak in tonight’s debate, and I start by making my own declaration of interests, in that I have family members who work in hydrology and in environmental science, which is closely related to the water industry.

In support of the Bill, I want to make three points about the real experience of my constituents with water pollution, with water supply issues—which are very serious—and on the need for serious action to tackle those issues. I am lucky to represent Reading. It is a wonderful town at the confluence of two major rivers: the River Thames, one of the country’s biggest rivers, and the Kennet, a beautiful tributary of the Thames. It is a chalk stream that starts in the north Berkshire downs and flows into the River Thames at Reading.

Olivia Bailey Portrait Olivia Bailey (Reading West and Mid Berkshire) (Lab)
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My hon. Friend’s constituency neighbours my constituency of Reading West and Mid Berkshire. In addition to the beautiful chalk stream, the Kennet, I also have the beautiful River Pang, which has unfortunately been decimated by the sewage outflows under the previous Government, with children walking to school through raw sewage in the streets—an absolute disgrace. Does he agree that the measures in this Bill will get tough on failing water companies such as Thames Water?

Matt Rodda Portrait Matt Rodda
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I wholeheartedly agree with my hon. Friend. That is exactly the problem, and I want to help Members to picture its seriousness.

In 2023, Foudry brook, which flows into the Kennet, was badly polluted. Next to well-established willow trees on the banks of that small river, which flows through local fields and past people’s terraced houses into Reading, I saw with my own eyes putrid green water—the stench was unbelievable—caused by a sewage outfall in Hampshire that flowed into Foudry brook and ultimately into the Kennet, then into the main River Thames. That is the sort of disgusting pollution that we are concerned about, which is why I am so pleased with the Government’s action on this important matter. It is also important to local residents who live next to rivers, who walk near rivers, who use canoes or boats in rivers, or who fish in rivers. Thousands of local residents in my area, across our county and in other similar parts of England, as well as those living near lakes and seas, are affected by this issue.

I have seen other appalling instances of pollution. In another case, I was walking with my wife next to the Thames in the middle of winter. It was a beautiful scene and, looking across the river, we could see trees, fields and hillsides in the distance. There was a heron on the water. Sadly, this view was blighted by the sight of dark brown-cream foam frothing on the river and gathering next to an island—the foam was caused by nitrate pollution from sewage.

This was in the River Thames, in a beautiful area just outside Reading, and it is the sort of disgusting pollution that we and our constituents are all having to face. That is why this Bill is so important, and I hope we can all agree to support it because such appalling pollution simply should not be taking place in England, or in any part of the United Kingdom.

I realise that time is pressing, but the measures in this Bill will also tackle some very serious issues with water supply. I have residents who had their water cut off for two days, nearly a year ago, and still have not been compensated. This affected hundreds of people living in east Reading, in the Newtown area near Reading University and the Royal Berkshire hospital. They were unable to shower or cook, and they had multiple other problems caused by the lack of water supply. I endorse the Government’s measures to toughen up the response to such failures of service.

We recently had another incident where residents were expected to drive 9 miles to Henley-on-Thames to collect water, which is simply unacceptable. Residents, including vulnerable residents, had to drive for a 45 or 50-minute round trip to collect bottled water from a Tesco supermarket on the outskirts of Henley, yet there were multiple sites in the north part of Reading from where emergency water supplies could have been delivered.

Both examples show why this important legislation is needed. I am grateful for the opportunity to speak tonight, and I look forward to hearing more from my hon. Friends.

Nusrat Ghani Portrait Madam Deputy Speaker
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I call the Liberal Democrat spokesperson.

Financial Inclusion: Rural Areas

Matt Rodda Excerpts
Wednesday 11th December 2024

(4 months, 2 weeks ago)

Westminster Hall
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Anna Sabine Portrait Anna Sabine
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I totally agree. I had not considered that for my speech, but I will take away unregulated moneylending as a point to note.

Since the Financial Conduct Authority changed its regulations, Link has been able to do some valuable work to provide cash access to local areas. However, I urge the Government to look at how to make the regulations for Link more flexible to allow it to work on a case-by-case basis, as the current criteria do not take into account certain geographical and other barriers that affect rural areas. We know that 93% of people live within 1 mile of an ATM, which on paper sounds good, but it does not take into account issues that might come up in rural areas. For example, if someone lives in a village or hamlet, that 1-mile walk might have no safe walking routes and no bus connection. That is why we want to see the legislation expanded to include specific geographical, physical and societal barriers, so that they are taken into consideration.

Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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The hon. Lady is making an excellent speech about both the accessibility of banks and other financial services and the challenges faced by residents in rural areas. In my Reading Central constituency, we face similar challenges with the large village of Caversham, which is now part of Reading. Many Caversham residents struggle because they have to go into Reading town centre. Although it is pedestrianised, it can be quite an intimidating journey for someone who is disabled, and perhaps involves a bus journey for someone with limited mobility. Does the hon. Lady agree that there is a valid point about the location of banking services in terms of how close they are to parking and residents homes, and that short journeys are much better for disabled and vulnerable residents?

Anna Sabine Portrait Anna Sabine
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I totally agree with the hon. Member; that is exactly the point that we are trying to make. I believe Link wants the flexibility to make more subtle judgments, rather than working on a flat assessment structure.

With the closure of bank branches, banking hubs are becoming a lifeline for many towns, reinvigorating high streets and increasing football—footfall, even. They probably increase football as well. Frome residents are excited to have their banking hub open soon.

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Emma Hardy Portrait Emma Hardy
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Absolutely. Link is covered by the Financial Conduct Authority, which has a duty to promote growth. The criteria on which it bases its decision include whether there is a bank branch remaining, the population size, the number of shops on the high street, the distance to the nearest bank branch, the public transport links and the vulnerability of the population. I urge Members to appeal if they find themselves unsuccessful the first time around.

Alongside access to cash, I know that constituents are concerned about challenges in accessing in-person banking. As has been highlighted in this debate, that is particularly an issue for individuals living in rural areas, where in-person services are less easily accessed than in urban areas.

Matt Rodda Portrait Matt Rodda
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Does the Minister agree that an important point is that disabled and vulnerable people want to speak to another person? Getting advice and guidance from a qualified person who represents the bank and can help them with their banking is something that particularly concerns my constituents. It can also apply to small businesses, many of which want the ability to engage with bank staff to discuss their own financial matters.

Emma Hardy Portrait Emma Hardy
- Hansard - - - Excerpts

I absolutely agree that that is important. On the issue of vulnerability, sometimes in-person services are a way in which financial coercion can be identified, which is always a huge concern. That is why the banking hubs are so important and the Government are committed to rolling them out. It is completely in character for my hon. Friend to highlight the need to support vulnerable people in his constituency.

My hon. Friend the Economic Secretary to the Treasury is working closely with the industry to roll out 350 banking hubs across the UK, which will provide individuals who need face-to-face support with critical banking services. As I say, I am personally hugely supportive of the banking hubs.

We are taking further steps to ensure that individuals can access the financial services and products that they need. Last week—I was very excited about this—the Government announced a financial inclusion strategy to further tackle the problems of financial inclusion. The strategy will be supported by a committee that the Economic Secretary convened for the first time last week. The committee brings together consumer groups and the financial sector to consider a range of barriers to inclusion for excluded groups, focusing on key policy areas such as access to banking, insurance and affordable credit, another huge problem for vulnerable people.

It is clear that there are significant challenges that need addressing. A quarter of adults have less than £100 in savings. Over a million adults are unbanked. There is a reported £2 billion of unmet need for credit, and over 8 million people are struggling with financial debt. Under the financial inclusion strategy, the committee will be working with consumer groups and industry to develop a strategy, considering a range of barriers.

To tackle the long-term issues effectively, we need to listen to the voice of experts. That is why we have convened this group, which will be tasked with drawing on relevant expertise across the sector and on lived experience. We will also be listening to people on the ground, because this will require a joined-up approach across Government, the financial services sector and frontline organisations. We will be engaging widely on this agenda to ensure that the strategy considers a wide range of frontline perspectives.

The strategy will be published next year, following extensive work by the Financial Inclusion Committee to consider the barriers to access and solutions to address them. It is important that we take the time to get this right and seek input from those who are most affected by the issue of financial exclusion. That is why the Government have made clear our commitment to going further in tackling it. While that work is in its early stages, I know that the Economic Secretary recognises its importance to our constituents and will keep the House updated as it progresses.

I thank the hon. Member for Frome and East Somerset again. It has been a pleasure to participate in her first Westminster Hall debate, and I thank all hon. Members for participating. There is a lot of support in this room for banking services, and a recognition of the importance of face-to-face services and access to cash. It is crucial for everybody in our society to have access to the financial services they need, regardless of where they live.

Question put and agreed to.

Storm Bert

Matt Rodda Excerpts
Monday 25th November 2024

(5 months ago)

Commons Chamber
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Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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My thoughts are with all those affected over the weekend. I also thank everyone who has been protecting the public at this very difficult time. The levels on the River Kennet, which is a tributary of the Thames—and indeed the Thames itself—have been rising to dangerous levels in recent hours. Could the Secretary of State provide an update on specific matters in the Thames valley region, in particular the flood defence schemes in the Reading area and the vital work that he is preparing to do upstream to plant more trees and to rewild to avoid flooding?

Steve Reed Portrait Steve Reed
- View Speech - Hansard - - - Excerpts

I am sure that my hon. Friend will welcome our proposals to review the formula so that we can look at nature-based flood management in the way that he described. I will ask the Environment Agency to contact him with an update on what is going on in his constituency, and what further action is being taken as the river continues to rise to ensure that his constituents are kept safe.

Rural Affairs

Matt Rodda Excerpts
Monday 11th November 2024

(5 months, 2 weeks ago)

Commons Chamber
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Matt Rodda Portrait Matt Rodda (Reading Central) (Lab)
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I commend the Secretary of State’s broad approach. In my constituency there is a serious issue with precious flood plains being speculatively bought by developers, which is causing a huge amount of concern to local residents. It is also an issue in terms of the potential threat to wildlife habitats and of the impact on flooding. Will the Secretary of State consider meeting me and local residents to discuss this important matter?

Steve Reed Portrait Steve Reed
- Hansard - - - Excerpts

My hon. Friend is a great champion for his community. I am of course more than happy to meet him and people from his community to discuss those important issues.

The measures in the Budget will enable us to build a stronger, more sustainable future for British agriculture and put in place our new deal for farmers, which includes making the supply chain fairer so that producers are no longer forced to sell their food below the price of production; speeding up planning decisions to help farmers to diversify into new forms of income; seeking a new veterinary agreement—