DWP Estate: Office Closures

Matthew Offord Excerpts

Thursday 17th March 2022 Commons Chamber

[David Rutley]

I assure the House that this does not have an impact on the front end—on the activities that we do to support our claimants and our customers. It is also important to reconfirm that we are not reducing staff numbers; the focus is on retaining as many people as possible. We have great staff and we want to retain them. In many cases, people will relocate to another site in close proximity.

[Dr Matthew Offord (Hendon) (Con)]

On a point of order, Mr Speaker. At last week’s business questions, the Leader of the House announced that there would be a debate this afternoon on protecting and restoring nature at COP15 and beyond. Unfortunately, it seems to have dropped off the Order Paper and no one understands why. I am sure that Government business has changed, but through your offices, may I encourage the Leader of the House and the Chair of the Backbench Business Committee to allow time for that debate, plenty of time before COP15 happens?

[Mr Speaker]

I do not know whether the Leader of the House wishes to give an answer to that. [Interruption.] I am sure that we can get you an answer but I do not have one to hand. I am sure that, as we go to business questions, the Leader of the House may want to point it out.

Pensions Dashboard

Matthew Offord Excerpts

Wednesday 6th February 2019 Westminster Hall

[Dr Matthew Offord (Hendon) (Con)]

I beg to move,

That this House has considered the pensions dashboard.

It is a great pleasure to serve under your chairmanship, Ms Ryan. For many people—particularly younger people—pensions are not a priority. In the early years of anyone’s career, their financial demands usually concern paying off student debt and paying for accommodation, mortgages and travel, no doubt with a bit of socialising thrown in. Only when people gain responsibilities such as a partner, a spouse, a mortgage or children do their minds turn to providing for the future.

Some people are fortunate enough to be provided with a pension through the terms of their employment. That is particularly true for those who work in the public services. Unfortunately, in the past, those who worked for private employers and the self-employed were unable to access the same financial products. There were a variety of reasons for that, including affordability, knowledge of pension products and simple ignorance about how to start a pension. I am pleased that the Government have addressed those problems and that in order to allow employees—our constituents—to understand the level of their pension contributions, the Department for Work and Pensions has proposed the pensions dashboard, which we are speaking about today.

A pensions dashboard is an online service that allows people to see information from multiple pensions all in one place. It is a welcome step towards better financial awareness for everyone.

[Julian Knight (Solihull) (Con)]

I congratulate my hon. Friend on securing the debate. The fact that it is so well attended shows exactly how important the subject is to our constituents. My hon. Friend will probably recognise that when the pensions dashboard was first suggested, it was seen as something that might not happen, but now we are on the cusp of it. Does he agree with me that it would be good to see such data sharing across the whole financial services industry? It benefits consumers and gives them power over their own information.

[Dr Offord]

My hon. Friend is entirely right. I certainly would like to see that across a range of financial instruments. Recently, I was required to find the level of my ISA trust fund. In the past I would receive a statement only every six months, but nowadays I can go online and use my PIN to verify my identity and see my daily amount. I can see the value of my trust fund here today. When I say trust fund, I mean the one I have paid into over the years, rather than one that was provided by my parents.

[Mr Jim Cunningham (Coventry South) (Lab)]

I congratulate the hon. Gentleman on securing the debate. Like me, he has probably had a large number of constituents write to him wanting the dashboard to be as simple and clear as possible, and to contain as much information as it can. Would he agree that the Minister should look at that, so we get a sensible system that people actually understand?

[Dr Offord]

I believe that proposal is a good one, but whether it is looked at by the Minister or the steering group—I will come on to that—is another matter. As the debate unfolds, perhaps some of those questions will be answered. I always say that the dashboard should be made as simple as possible, so that people can engage with their pensions and their future, which is a good thing.

[Nick Thomas-Symonds (Torfaen) (Lab)]

I am grateful to the hon. Gentleman for giving way, and I congratulate him on securing the debate. I entirely agree that it is a very good idea to have all this information in one place, but does he agree that there must be appropriate regulatory compliance concerning the way the data is held?

[Dr Offord]

I do agree, and the hon. Gentleman has anticipated some of my speech. That is a good point, and I will come on to it in proper detail.

[John Howell (Henley) (Con)]

Is it not true that we need to get the governance of the pensions dashboard correct? We have just seen that a hotel booking website has had to end its misleading sales activities. Is there a risk that without the right level of governance, something similar could happen to the dashboard?

[Dr Offord]

Once again, my hon. Friend has anticipated my speech. He is absolutely right; we need to get this right and ensure that people have confidence in the system, so that our constituents are not only keen to invest their money but reassured, after recent financial problems, that their concerns will be addressed. We will do that as part of the process.

[Janet Daby (Lewisham East) (Lab)]

I thank the hon. Gentleman for securing such a significant debate. Does he agree that the Government must lead the implementation of the pensions dashboard, if they are to compel all pension providers to take part and if the dashboard is to be a truly useful tool for many retired people aged 55 and over who do not know the size of their savings?

[Dr Offord]

I hope that the dashboard provides for those people. I was about to come to a statistic that indicates that many people do not know the size of their pension pot. That has repercussions, particularly when people retire and they suddenly realise that they will not have the level of income or the kind of lifestyle that they had expected or previously experienced. Some 25% of people over the age of 55, including those who are retired, say that they do not know the size of their pension pot. The dashboard will address that. It will offer those people and others the ability to access information about their financial contributions from multiple pensions, any time they want to, on their smartphone, iPad or computer. Effectively, it will bring our pensions into the 21st century.

[Stephen Lloyd (Eastbourne) (Ind)]

I thank the hon. Gentleman for giving way and for securing this important debate. I have been supporting and pressing for the pensions dashboard for many years, since the time of the coalition. Does he agree that it is crucial that in the next pensions Act, the Government make it a legal requirement for all pension providers to go into the pensions dashboard and provide all the necessary information, otherwise the dashboard will fail? Does the Minister—or, rather, the hon. Gentleman—agree that at this late stage, that is critical?

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[Dr Offord]

That is a very important point. Unfortunately, I am not a Minister, but the debate provides the opportunity to put that question to the Minister. Perhaps the Minister in summing up will provide the reassurances that the hon. Gentleman seeks.

Once again, the hon. Gentleman seems to have pre-empted my speech, because I was about to name him and thank him for coming along. I was going to say that it is very pleasing that the proposal has cross-party support, and that I welcome his support and attendance, along with that of my hon. Friends the Members for North Warwickshire (Craig Tracey), for Solihull (Julian Knight) and for Henley (John Howell).

[Mr Jim Cunningham]

What about me? [Laughter.]

[Dr Offord]

Of course, if I had had any forward notice I would have thanked the hon. Gentleman as well. I am particularly pleased to see the SNP here, because the hon. Member for Airdrie and Shotts (Neil Gray) signalled his approval for the social security statutory instruments we debated on Monday, so I thank him and the SNP for that.

From the comments I have heard from the Opposition today, I understand that the proposal that we are debating is not only welcome, but something that all parties are agreed on. With that support, the Government have already engaged in a consultation about how the pensions industry can create the dashboards. In the absence of a clear industry lead, it is proposed by my hon. Friend the Minister that a new single financial guidance body should be convened to oversee an industry delivery group to enable successful implementation.

As I see it, there are two issues that some hon. Members or people outside the Chamber may be concerned about. The first is whether the pensions dashboard should be held in public or private ownership. Like some other hon. Members, I have a Merseyside pension scheme from my time of employment in local government, and as a result I would prefer the dashboard to be in private ownership. Merseyside is notoriously difficult to engage with and refuses to discuss its scheme with organisations or the financial advisers that I have had over the years. However, I acknowledge support for the provision of a non-commercial dashboard supported by the Government; some hon. Members may also agree with that.

The Department for Work and Pensions research has built on the recommendation of the pensions dashboard project that a non-commercial service, endorsed by the Government, must be made available. As key stakeholders have commented, multiple dashboards in the private sector would complement a Government-sponsored offer, which should still be available for those who would prefer it, or who may not be targeted by the market.

It was suggested by the pensions dashboard project group—and, earlier last year, by the Work and Pensions Committee—that the single financial guidance body, which launched services to the public last month, would be a sensible place to host such a dashboard. The industry delivery group will need to consider how best to implement commercial dashboards alongside the non-commercial one. Which? magazine and others across the industry have suggested that a gradual expansion, starting with a single, non-commercial dashboard, is likely to reduce the potential for confusion and help to establish consumer trust.

The second issue of contention is that passing the pensions dashboards on to the private sector will mean that there is no guarantee of compliance from all providers, and will centralise huge amounts of financial information for the private sector to access. In answer to that, I say that in developing the infrastructure for pensions dashboards, industry must adhere to the rights of the individual and principles as set out in the Data Protection Act 2018, which reflects the general data protection regulation. That includes the individual’s right to data portability and principles of accuracy, storage, access and security. There would be no aggregation of the user’s information in the storing of the data in any of the components in the dashboard’s ecosystem, other than by the pension scheme or an integrated service provider operating on behalf of the provider. That supports the overarching delivery principles of keeping data secure and putting the individual in control of their data. Access to the data would be available only to the user unless specific consent is given—that goes back to my point about Merseyside. Dashboard operators would not be allowed to access the data for any purpose unless they had the specific consent of the user.

I anticipate that the delivery group, working with the regulators, will seek to agree data standards for pension providers and dashboards. Those data standards will need to support whatever level of functionality is required through different phases of implementation and ongoing development of the dashboard service. The pensions dashboard is so important because of the number of people who have now invested in their own pension pot. In the five years from 2012, the percentage of eligible employees participating in a workplace pension rose from 55% to 84%.

[Kirstene Hair (Angus) (Con)]

I thank my hon. Friend for bringing this important debate to the House. Does he agree that the auto-enrolment programme that the Government introduced has ensured that many low-paid and younger people are also investing in their retirement? As a young person, I would say that is something we would always push into the future. The system must be accessible to young people as much as to older people, and we must ensure that they are educated in the system that is introduced.

[Dr Offord]

I must have left my speech on the photocopier, because once again, I have been anticipated. My hon. Friend is absolutely right; among those aged 22 to 29, participation has increased from 35% to 79% over the same period. That is certainly something we can all be pleased about. Automatic enrolment, which was also launched in 2012, has driven that increase and created millions of new savers, with nearly 10 million eligible employees having been automatically enrolled. Since April 2018, those savers are contributing at least 5% of their eligible income into their private pension pot, inclusive of employer contribution, and next year that will rise to 8%, including employer contributions.

In addition to those young people, it is worth mentioning the number of females who are now enrolled in pension schemes. Compared with the figure for 2012, an additional 3 million women now have a workplace pension thanks to auto-enrolment. As I said before, in the 22 to 29 age group, participation in the private sector has risen from 35% in 2012 to 79% in just five years. In total, the number of people who possess a workplace pension reached a record high of 41.1 million in 2017, up nearly 50% since 2012.

I ask the Minister to tell me in his summing-up speech whether he will provide not only me, but perhaps the House of Commons Library, with the auto-enrolment figures for all constituencies across the United Kingdom. I am particularly keen to see those figures for my Hendon constituents.

In conclusion, I believe pension freedoms have given people greater choice about when and how they use their pension savings. That is truly a transformation of our savings culture. The initiative displays true Conservative values of creating opportunity, nurturing aspiration and assisting people to take responsibility for their own futures. I hope the pensions dashboard is considered by other Ministers and inspires them to take similar actions in their own Departments.

[Joan Ryan (in the Chair)]

I will just say to the Back-Bench speakers that if they take about four or possibly five minutes and manage themselves, the Opposition Front-Bench speakers will have five minutes each and the Minister will have 10, and everybody should be able to get in.

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[Dr Offord]

I thank all hon. Members who attended the debate, even though the House has adjourned.

The hon. Member for Strangford (Jim Shannon) spoke about saving from an early age, which is something I did with my first TSB account; the dashboard will encourage that. My hon. Friend the Member for East Renfrewshire (Paul Masterton) spoke about the £19 billion in lost pensions, which is a sum that could help many people across the country, if it could ever be identified who the money belonged to.

The hon. Member for Blaenau Gwent (Nick Smith) talked about the importance of there being clarity about providers, and the inclusion of the state pension, which is a good idea. My hon. Friend the Member for Clacton (Giles Watling) spoke about individuals being in control and the triple lock, which are both good things.

My hon. Friend the Member for North Warwickshire (Craig Tracey) raised the issue of the mid-life MOT; I would certainly like to see such an MOT for every decade. My hon. Friend the Member for Gloucester (Richard Graham) spoke about the pensions value accrued over his career, and the hon. Member for North Ayrshire and Arran (Patricia Gibson) spoke about the single dashboard provider. The inclusion of state pensions would be interesting, as I said.

The hon. Member for Birmingham, Erdington (Jack Dromey) brings great experience to the debate, particularly as a former trade unionist. He spoke about the achievements. Finally, I thank the Minister for all his work. He has made pensions interesting.

Jobcentre Plus: Closures

Matthew Offord Excerpts

Thursday 6th July 2017 Commons Chamber

[Mr Gauke]

Let us put this in context: 97% of JSA claimants are not sanctioned every month. Given the number of hours we expect people to spend looking for work, I think travelling to a jobcentre, just as people travel to work, is the way life operates for most people. If there are particular circumstances that result in someone being late for an assessment or meeting, they can be taken into account.

[Dr Matthew Offord (Hendon) (Con)]

Does the Minister not realise that jobcentres are always needed under a Labour Government, whereas under this Government, with unemployment falling and 2.9 million more people in work, we should be spending money on getting more people into work and not on empty office space?

[Mr Gauke]

My hon. Friend makes a good point. One could be drawn into a comparison of the records on employment of Governments of different sorts. I am proud of this Government’s record. We have an important role in supporting people in getting into work, staying in work and improving their position. I would prefer to spend the resources we have on doing that as efficiently and effectively as possible, and we would not be doing that if we were wasting £140 million a year on an estate that is no longer fit for purpose.

Oral Answers to Questions

Matthew Offord Excerpts

Monday 13th January 2014 Commons Chamber

[Steve Webb]

My hon. Friend is quite right. Every change that we have made to the administration of automatic enrolment has been designed to reduce the burden on firms. For example, we have raised the wage threshold at which people are automatically enrolled, and we have delayed the staging for the smallest firms so that no one who employs fewer than 50 people will have to stage before April 2015.

[Dr Matthew Offord (Hendon) (Con)]

11. What transitional arrangements his Department will make in respect of the ending of basic state pension inheritance.

[The Minister of State, Department for Work and Pensions (Steve Webb)]

The ability to access or increase a state pension based on the national insurance record of a partner or former partner was introduced in the 1940s, but less than 5% of people reaching pension age after the single tier is introduced will be affected by the removal of this facility. We are putting in place transitional arrangements for certain women who paid the married woman’s stamp, but to go beyond that and make transitional arrangements for a broader group would severely damage the simplicity of the scheme.

[Dr Offord]

Can my hon. Friend confirm that protection will be put in place for those women who have paid the married woman’s stamp, to ensure that they receive a decent state pension?

[Steve Webb]

Yes, I can. Women who paid the married woman’s stamp at any point in the 35 years before the scheme comes in will get the pension that they expected—namely, the 60% for married women and the 100% widow’s pension.

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[Mr Duncan Smith]

Yet again, what we have from the hon. Lady is a moan about a policy that helps people in difficult circumstances. I said earlier that not once has she come to the Dispatch Box and said that she was concerned about those her party left behind living in overcrowded accommodation. Not once has she mentioned the 1 million on the waiting list or apologised for the fact that building levels for social housing fell to their lowest point since the ’20s. Of course we will look after those affected by the policy, but she must make it clear that she supports one of these policies; otherwise, there will be a total cost to the Exchequer. The shambles is on the Opposition’s part.

[Dr Matthew Offord (Hendon) (Con)]

T7. Will the Minister confirm that under the new system, 80% of individuals will be entitled to a full single-tier pension in their own right by 2030?

[Steve Webb]

I am encouraged by the close interest my hon. Friend is taking in the single-tier pension, and I feel he is a kindred spirit. He is right that, as the 35-year qualifying rule includes not just earned contributions but credits for caring and so on, the vast majority of people will qualify for the full single-tier pension.

Jobs and Business

Matthew Offord Excerpts

Friday 10th May 2013 Commons Chamber

[Mark Hendrick]

I totally agree with the hon. Gentleman.

Taking people out of income tax is great, and we want to take people out of income tax, but how many people have lost tax credits? Many people who have been taken out of income tax will find, particularly if they have children, that they are not better off.

In the past few weeks, we have seen the Government prepared to dabble with the welfare and jobs of 3 million people by putting at risk our membership of the European Union. The Conservatives have promised to hold a referendum on renegotiating the terms of British membership. Let me be blunt: many Government Members do not want renegotiation, or the sort of renegotiation that the Prime Minister is likely to achieve—they want out. We will not know the terms of our trading relationship with the EU if we leave. We will have the same lack of benefits as Norway and Switzerland: they have no involvement or control over EU laws and directives, but are obliged to adopt them if they wish to continue to trade with the EU. We will have a referendum on the possibility of the UK leaving the EU without knowing precisely the trading or economic consequences of withdrawal. If we do leave, it will cost hundreds of thousands of jobs.

[Dr Matthew Offord (Hendon) (Con)]

The hon. Gentleman is making his position clear, but I would be grateful if he explained where he found that figure of hundreds of thousands of lost jobs.

[Mark Hendrick]

Hundreds of thousands is a small percentage of the 3 million jobs tied up in our business and trade with the EU. We will not know the exact consequences of leaving, and we cannot negotiate, while we are still a member, what our trading terms with the EU would be if we left. The German and French Governments—any Government worth their salt—would not be willing to negotiate before a referendum to tell us exactly what the terms would be if we voted no.

[Dr Offord]

I am grateful to the hon. Gentleman for giving me a second opportunity to ask him the same question. I am not talking about negotiation. Will he please tell us where the 3 million figure comes from?

[Mark Hendrick]

The 3 million figure comes from the European Commission and many other respected and independent bodies. [Interruption.] The hon. Gentleman, from a sedentary position, wishes to challenge that figure. Can he give me a figure and substantiate it? Voting no in the referendum will have a serious impact. We can argue about whether it will affect hundreds of thousands of jobs or up to 1 million jobs, but it will have a serious impact on employment and our ability to trade.

Many people are saying that due to globalisation we are trading more with countries such as China and India. That is welcome, but is no substitute for the market we have on our doorstep—the EU. Any future trade with the EU, should we choose to leave, will be conducted on terms dictated by the remaining members of the EU, not a British Government. That will have a big impact on jobs and a bigger impact on the prosperity of this country.

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[Dr Matthew Offord (Hendon) (Con)]

I rather enjoyed the contribution of the hon. Member for Preston (Mark Hendrick). At one stage, I think I was the only person in the Chamber listening to him, as there was a gathering around the Chair. [Interruption.] At least one other Member was listening. I found the contribution interesting; I did not agree with everything he said, but I thank him for coming along today and giving us an insight into his ideas.

I want to speak about the Queen’s Speech. The Government have made good progress in the past three years. Yes, we still have problems with our economy, but no one expected it to turn around in the time we have had so far. Nevertheless, we are fixing things, such as our welfare system, to introduce greater fairness.

We are reintroducing different tax regimes, so that fewer people in this country pay tax. We are talking about taking 2 million people across the country out of tax. In my constituency, 49,360 people will be taken out of tax. That is all good, but when we talk about immigration—which I shall come to—we should recognise that there are two stages to it: the accession of people from Europe and the rest, from outside. We have decreased immigration from outside Europe by a third. We have also cut crime by 10%, which is no mean feat either. We should also remind ourselves that we have made significant progress in cutting the Labour party’s deficit, which we inherited.

[Mark Hendrick]

The hon. Gentleman mentions cutting non-EU immigration by 30%. Can he tell me how many of those affected are people who would have been students, contributing to this country’s economy in cities such as Preston, in my constituency, which is dependent on foreign students for the local economy?

[Dr Offord]

I cannot tell the hon. Gentleman about Preston, but I can tell him about Middlesex university in my area, which is also suffering from the kind of problems he describes. I also have the National Institute for Medical Research in my constituency. It, too, has problems getting PhD students. That is why I feel that our focus has been on the wrong kind of immigrants. The problems we have in this country—those that have been raised by political parties such as the UK Independence party—are to do with EU migration. For example, Kiplings, the Indian restaurant in my constituency, has a problem getting a curry chef. The local Chinese restaurant also has a problem, because it cannot get people from outside the EU. That is a problem the Government need to face.

Let me return to the Queen’s Speech. There are some things I am very pleased about. My hon. Friend the Member for South Basildon and East Thurrock (Stephen Metcalfe) spoke eloquently about tackling antisocial behaviour in his constituency. We have a Bill to address that. I look forward to seeing the detail; my concern is that we have had many Bills to deal with antisocial behaviour, since way back when Tony Blair was Prime Minister. My feeling is that we probably need a cultural change in our society rather than more legislation. There seems to be something fundamentally wrong with people’s beliefs about their responsibilities and activities in public and the way they impact on others, from simple things such as spitting in the street to putting their feet on bus seats. These are all problems that contribute to antisocial behaviour and a general sense of unease in society among those whom we live alongside.

I also look forward to the Department for Work and Pensions bringing forward its Bill to address pensions inequality. Pensioners have had a hard time in our country for many years. I look forward to seeing proposals that will make it easier for working people to contribute to their pensions, particularly as other significant changes have been made.

The final issue I am keen to address is immigration. This is a debate about jobs and business—the economy encompasses both jobs and business—and immigration, as we have heard, is a major part of that. One thing I like about the debate on the Queen’s Speech is listening to Members’ experiences in their own constituencies, which we have heard today from my hon. Friend the Member for Tamworth (Christopher Pincher), for example. We have also heard about the experiences of the hon. Member for North Durham (Mr Jones). It is useful—not only for Members such as myself, but for Ministers too—to hear about the problems faced by Back Benchers. We have already heard that the Chancellor is listening—no doubt he was listening to the shadow Business Secretary, and I hope he is listening to me now and can hear about the problems of my constituency.

However, while I was working in my office yesterday, I heard an histrionic speech by an Opposition Member. She was talking about immigration, saying that doctors, nurses and landlords should not be Border Agency guards. There has never been a proposal for that to happen. I believe that the proposal to require landlords to check the veracity and identity of those living in their properties is a good one. I cannot speak for others, but I have rented property to Middlesex university students who were not from the EU or this country. I always made sure that I knew where they came from and that they could pay their rent. That is a sensible thing to do, and most landlords probably do it already.

We have also heard about health tourists coming to this country. We do have people coming here to seek elective or semi-elective surgery—people who might decide that they want their child born here, for instance. It is unacceptable for people to come here in the knowledge that very soon they will have a child, because it has many repercussions for this country.

[Ms Abbott]

The hon. Gentleman will be aware that the Royal College of General Practitioners is quite clear that its members have a primary duty to heal the sick and they are simply not willing to be immigration officers. On the question of landlord checks, what will the hon. Gentleman do when his constituents come to tell him that their children, third generation British nationals, are being asked for their passport before they can rent a room?

[Dr Offord]

I am sure they will welcome the fact that there will be fairness, and everyone is treated the same. That is what they would like. As we have seen across the country—some Members appear to be ignoring what has happened in the country over the past week or two —people want their concerns about immigration to be taken seriously. The hon. Lady talks about doctors and nurses acting as border guards, but what happens when we open a bank account? We are required to show proof of identity in many different ways, including utility bills, to prove where we live. Why do we do that? Because of the Terrorism Act 2000. In some areas, that will have contributed to a decrease in terrorist funding. I have to say that when I go into banks, particularly one I already bank with, they already know that I am a British subject and that I receive an income from this country. Such a mechanism is already in place.

[Ms Abbott]

rose—

[Dr Offord]

I shall not give way yet, as the hon. Lady might like to hear what I have to say. Let us not forget that in 2001, the right hon. Member for Sheffield, Brightside and Hillsborough (Mr Blunkett) introduced his asylum Bill, which ensured that carriers such as lorries received a fine if someone was found stowed in their lorry. It was nothing to do with the driver if someone had decided to stowaway on a lorry coming back from France, but they, not doctors and nurses, were required to be border guards.

[Ms Abbott]

I only hope that residents in Hendon are hearing the hon. Gentleman’s enthusiasm for a kind of pass law for themselves and their children. My specific point about so-called “health tourism” is that doctors take a Hippocratic oath, and all the Royal Colleges have made it clear that they are not willing to breach that oath in order to undertake immigration check duties. If somebody comes to them ill, they have sworn an oath to help them. Is the hon. Gentleman aware, furthermore, of the public health implications of trying to stop people from getting the health care that they may desperately need?

[Dr Offord]

As I said earlier—I think the hon. Lady has deliberately decided not to understand what I said—this involves elective and semi-elective surgery and other cases. Sometimes people come into the country when they are pregnant and decide to have their child here. If that is a possibility, they should be prevented from coming here. Secondly, and most importantly, they should be forced to have their own insurance policy. I cannot say whether the hon. Lady has been abroad, but I know that if I go to India or New York and find myself in an accident requiring medical attention, I will receive a wallet biopsy from the ambulance man, which will determine the type of treatment I get. [Interruption.] All we are seeking is the same for this country; it is about fairness. It is not about denying people medical treatment; it is about fairness. [Interruption.] I am going to move on. [Interruption.]

[Mr Deputy Speaker (Mr Lindsay Hoyle)]

Order. We need the debate to be conducted through the Chair rather than to have cross-channel discussions. I understand that the debate is getting a little tense, but I am sure we can get back to where we need to be on the Queen’s Speech.

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[Dr Offord]

I can assure you that it never gets tense, Mr Deputy Speaker, particularly with the hon. Members for Hackney North and Stoke Newington (Mr Abbott) and for Preston.

[Mr Deputy Speaker]

I think I will be the judge of that from the Chair.

[Dr Offord]

I bow to your superior knowledge, Mr Deputy Speaker.

I want to move on to discuss other aspects of immigration and what I would like to see in the Government’s legislative programme. We heard earlier about people entering this country from the EU and migrant countries and about the problems they have caused. I have a lot of problems with this in my constituency. In Edgware, for example, several people living in garages told me that they could not afford to go home. On a recent ward visit to Watford Way in Hendon, one of my constituents and I went to an old commercial garage in which scores of people were living rough. These were people who beg locally and they were visibly east European. I spoke to some of them who claimed that they did not have the money to get back home. Funds are available, however, and I should like them to make use of them, because their current lifestyle is unacceptable. That is the face of Labour’s immigration policy in the last decade: people sleeping in garages in my constituency.

As recently as this week, we saw members of the Metropolitan police on horseback going to areas around Marble Arch, rounding up people—particularly Bulgarians and Romanians—and checking their identification papers to establish what they are doing, who they are and why they are here. At present, as the House knows, they are not allowed to work, but those restrictions will soon end, and they will have three months in which to demonstrate that they can support themselves. If they cannot do that, the Border Agency will summon them for an interview and ask them what they are doing. If they refuse to turn up, there is nothing that the agency can do. It should be an arrestable offence not to turn up, but it is not, and they can be picked up again in future sweeps. Moreover, they can leave the country and come back again, in which event their three-months time frame will start all over again. The Immigration Bill should address some of those points, and I hope that the Government have heard my plea.

I now want to talk about what will not be in the Bill. The hon. Member for Poplar and Limehouse (Jim Fitzpatrick)—who is not in the Chamber at present, but who has been described as “the popular Member for Limehouse—referred to some of the issues that would not be included, but omitted to mention provision for a referendum on Britain’s membership of the European Union.

Lord Lawson made his position clear at the weekend. Within hours, the Deputy Prime Minister had decided that he knew better than Lord Lawson and, indeed, better than anyone else. He said:

“There are 3 million of our fellow countrymen and women in this country whose jobs rely directly on our participation and role and place in what is after all the largest borderless single market.”

The hon. Member for Preston also gave that figure. I asked him where he had got it, a question that I do not believe he was able to answer.

[Mark Hendrick]

From the European Commission.

[Dr Offord]

That is not correct. I remember the figure being bandied about a decade or so ago, when I was working at the BBC. We used regularly to fact-check such things.

In 2000, research conducted by economists at London South Bank university suggested that about 2.5 million people owed their jobs directly to exports of goods and services to countries in the European Union, and that a further 900,000 jobs had been created indirectly by trade with the continent. If we left the single market, however, Britons would not be simply thrown on the dole, for the simple reason that Britain would still be able to trade with countries in Europe even if it were not a member of the EU. I understand that 20 countries continue to do so. Switzerland and Norway, for instance, have negotiated free trade agreements with the bloc without signing up.

[Mark Hendrick]

The hon. Gentleman will be aware that Switzerland and Norway have to abide by all the EU regulations and directives pertaining to the single market, but have no control over or say in them because they are not EU members. While enjoying some of the benefits of being in the single market, they have none of the decision-making powers that membership of the EU confers. If we leave the EU, we will have to start from scratch, and will probably have to do exactly what Norway, in particular, is doing: accept, wholesale—

[Mr Deputy Speaker (Mr Lindsay Hoyle)]

Order. The hon. Member for Preston (Mark Hendrick) made a 19-minute speech, and has made, I think, five interventions since then. Interventions should not be a way of making another speech. They must be short, because others wish to speak.

[Dr Offord]

Let me respond briefly to the hon. Gentleman’s point by saying that I think there are certain products that parts of the EU cannot do without. For instance, I know that places such as Italy could not do without Lancashire cheese. I have tasted that very cheese in your room on occasion, Mr Deputy Speaker, during some of your receptions.

Was the Deputy Prime Minister claiming, in his “3 million” statement, that Britain would not negotiate a reciprocal deal to avoid tariffs? I should like to know the answer to that, particularly given that we import more from the EU as a whole than we export to it.

According to the National Institute of Economic and Social Research, there is

“no reason to suppose that unemployment would rise significantly if the UK were to withdraw from the EU. Withdrawal could cause disruption”

—I acknowledge that—

“but it is most unlikely that export sales to EU markets would cease completely”.

The hon. Member for Poplar and Limehouse quoted from The Daily Telegraph. One of the quotes cited the Institute of Directors, which in 2000 came to the opposite conclusion to that of South Bank university. It estimated that there was a net cost to the UK from staying out of the EU of about 1.75% of GDP, which was about £15 billion at the time, but all those figures are completely worthless now as so much has changed since then. We were promised no more boom and bust, but we now realise that that is not the case—it has not been the case for the past couple of years.

All the underlying calculations are simply wrong now, and we no longer know what the true situation would be. I therefore ask the Department for Business, Innovation and Skills to commission a cost-benefit analysis on Britain’s continued membership of the EU, to establish what the economic consequences of Britain’s withdrawal would be. I ask it to do that for no other reason than that the Business Secretary said in opening today’s debate that he was interested in dealing with “factoids”, and I would like to see the relevant factoids. I would also like the Deputy Prime Minister to use the correct factoids, instead of scaremongering people into thinking that Britain cannot leave the EU.

There has been some talk about the UK Independence party today, and I, too, will mention it briefly. I believe that in the past couple of weeks UKIP has come to be seen by some as offering a panacea for all the problems of the UK, but I do not believe that is true. I do not think its members and supporters are all fruitcakes, nuts and loops either, and I believe we need to take them on on policy—or, rather, on their lack of policies. I agree with them in some areas, however, and many people voted for UKIP last week not because they want UKIP to be elected, but because they want some of the policies that it raises to be addressed, and they are looking to us to do that. It is wrong for Members on either side of this House to reject UKIP supporters, and it sends out a message that the political class is not listening. Gillian Duffy stated the case well in the 2010 general election, and we ignore it at our peril. I therefore respectfully ask you, Mr Deputy Speaker, to ask Mr Speaker to select the amendment in the name of my hon. Friend the Member for Basildon and Billericay (Mr Baron), to which I have added my name, so that we can have an opportunity to vote on it next week.

Budget Resolutions and Economic Situation

Matthew Offord Excerpts

Friday 22nd March 2013 Commons Chamber

[Mr Kevan Jones (North Durham) (Lab)]

It is clear that plan A is not working—growth is down and borrowing is up by £245 billion. The Chancellor can meet the target set by the Office for Budget Responsibility only by doing the equivalent of hiding behind the curtains when the debt man comes, or saying when answering the door, “No, I can’t pay this week; I’ll pay next week.”

As has been mentioned, the OBR also said that people will be worse off in 2015 than they were in 2010. My hon. Friend the Member for Ilford South (Mike Gapes) has just said that the blame game in the early days was “This is all because of the mess Labour left the economy in.” I am sorry, but the Chancellor cannot get away with that after three years in power. Let us also look at the facts. In 1997, the debt inherited by the Labour Government was 42% of GDP, and the figure was 35% in 2008—the last Labour Government actually paid down debt. Debt then went up because of the economic downturn and the massive effect of the world banking crisis in 2008, as my hon. Friend mentioned.

It is also said that there was profligate spending. In 1997, we inherited a 3.9% deficit of GDP, which was down to 2.1% by 2008. I was in the House at the time, but never heard the then Opposition argue that our spending targets were reckless or that we should reduce spending at all. In fact, in some areas—including defence, which I know about—they were asking for more expenditure.

[Dr Matthew Offord (Hendon) (Con)]

Does the hon. Gentleman acknowledge that the Labour Government who came to power in 1997 followed the Conservatives’ spending plans for their first two years? Those plans were laid by my right hon. and learned Friend the Member for Rushcliffe (Mr Clarke); he achieved the reduction in the deficit that the hon. Gentleman mentions.

[Mr Jones]

Following that logic, the hon. Gentleman cannot argue, as his party has continually done since the last election, that a mess was left by the last Labour Government. The situation was due to the economic downturn.

We are now three years into plan A, and who is to blame now? We have slightly moved away from the Labour party—now it is all Europe’s fault.

--- Later in debate ---

[Dr Offord]

I feel that my hon. Friend is being slightly unfair to the shadow Secretary of State for Work and Pensions. He may have left that note, but in a confidential briefing in 2006, the shadow Chancellor and the former Prime Minister were warned that the efficiency of the public sector needed to improve rapidly, and that unless it did, spending growth would slow. The former Prime Minister disregarded that advice, and embarked on a £90 billion spending programme once he became Prime Minister.

[Michael Ellis]

Exactly. The Labour habit of spending money that the country cannot afford almost brought this country to ruin. The lack of an apology grates, but it is difficult for Labour Front Benchers to offer one, because the team that wrecked the country’s economy and trebled the national debt are still on the Opposition Front Bench.

The Budget has been welcomed by the International Monetary Fund, the OECD, the Bank of England, the CBI, the Institute of Directors and the British Chambers of Commerce—it has been rightly welcomed by everyone who knows what they are talking about as far as the economy of this country is concerned. I say to the Chancellor that he should stick with it. We cannot have a situation in which Labour is allowed to borrow more, or we will end up with a Mili-shambles.

Plan A works. It tackles the appalling structural debt legacy. An IOD official has said:

“Deficit reduction is not an option…it is an absolute necessity”.

The Government started in 2010 with the worst debt to GDP ratio of any country—it was worse than that of Greece. Other countries with better figures than ours in 2010 had been put into special measures by the IMF.

--- Later in debate ---

[Grahame M. Morris (Easington) (Lab)]

rose—

[Dr Offord]

This will be a sensible contribution.

--- Later in debate ---

[Dr Matthew Offord (Hendon) (Con)]

I welcome the Budget, which I recognise has been produced in difficult economic times. I should like the Government to make further tax cuts, but I realise that that may not be acceptable to some of our constituents who are feeling the increases in their cost of living. As a consequence, I am pleased that the Chancellor has decided to abolish the 3p rise in a pint of beer. I am also pleased that he has decided to cut the price of a pint by a further 1p. Only last week the Adam and Eve pub in Mill Hill and the Bodhran bar in Hendon thanked me for lobbying the Chancellor to do just that. Perhaps on Sunday night we will all say “Cheers” to the Chancellor.

Those proposals, alongside the abolition of the fuel duty escalator, are welcome. I certainly feel the pressure every time I put petrol in my car, and I know that many of my constituents feel the same as they have e-mailed me to say so. That measure, in conjunction with the freeze in council tax in the London borough of Barnet, is helping my constituents. Most significantly, raising the amount of money that people can earn before paying tax—the personal allowance—to £10,000 is welcome. In my constituency, 49,360 will benefit from paying £700 less in income tax than they did in 2010, and 4,967 will be taken out of tax altogether, which is a very good thing.

It is interesting that in many contributions from Opposition Members, I have heard repeated mentions of the so-called bedroom tax. The use of the word “tax” just goes to show how out of touch Labour Members are. As many people who work in this country will know, tax is levied on income earned. Housing benefit is paid to those who either do not have an income high enough to pay their appropriate accommodation costs, or do not have an income at all. In both those scenarios, if someone finds that they do not have enough income, they need to change their accommodation circumstances. I must make special mention of an hon. Member who spoke about her 17-year-old constituent who will receive a reduced income for his two-bedroom flat. The most shocking aspect of that to Government Members is that the Government are paying a 17-year-old to live in a two-bedroom flat. I wonder how many of my 17-year-old constituents would like a two-bedroom flat paid for for them.

[Mr Kevan Jones]

Would it not cost the Government a hell of lot more to keep that person in care?

[Dr Offord]

Yes, of course it would, but I think we need to focus on ensuring that families do not break down, rather than putting someone into care. I know that the circumstances the hon. Gentleman is talking about—[Interruption.] Members are chuntering from a sedentary position, but unless they wish to intervene—

[Bridget Phillipson]

We talk about family breakdown, which of course none of us wants to happen, and I do not know the young man’s particular circumstances, but we are dealing with his case now, not what we might like to be the case. Surely it is wrong that vulnerable young men like him will be punished by the bedroom tax—call it what you like.

[Dr Offord]

The young man is 17 years old, and obviously for the past 17 years we have not had a Government who have addressed social issues in our country.

There is no dispute, at least among the serious political parties, that the country has to make difficult financial decisions in order to reduce the deficit. My disappointment is that there are no such proposals coming from Labour Front Benchers. The Labour party’s 2010 election manifesto stated:

“Housing Benefit will be reformed to ensure that we do not subsidise people to live in the private sector on rents that other ordinary working families could not afford.”

However, the shadow Work and Pensions Secretary, who is no longer in his place, was recently forced to concede that the cost of housing benefit, at £20 billion a year, is too high. He has also admitted that the Labour party does not have a solution for that. How can they be a credible Opposition if they cannot tell people where they would make cuts?

The most appealing part of the Budget for my constituents is the proposed help to assist people to get on the housing ladder. My constituency is the victim of its own success. Good schools, green spaces and a comparatively low crime rate for London ensure that many people want to move there. Although I certainly welcome them, they put pressure on the availability of the housing stock. My constituents’ children find it hard to buy a property, or indeed to rent one, when they return from university or go to work. We should not forget that not everyone is given a deed of variation by mummy and daddy that allows them to stay in part of the family’s house in places such as Primrose Hill, ensuring that they never have to go to a job interview or get a proper job in order to put a roof over their heads.

Many of my constituents are forced to move away from their family and friends and the places they grew up in. The Help to Buy scheme will help them, because in my constituency there are huge regeneration schemes in progress. The Beaufort Park and Grahame Park regeneration schemes are transforming the landscape of the social rented sector in Colindale, and the Mill Hill barracks site is also providing homes for people in the area. Only this morning—this explains my absence at the beginning of the debate—I met John Morris and the resident representatives of the West Hendon regeneration scheme. It has been a hugely difficult social sector regeneration scheme that was not progressed by the previous Government. Indeed, I suspect the motives of local Labour politicians who want to keep people in substandard accommodation instead of getting homes built. [Interruption.] From a sedentary position, Mr Morris says that that is disgraceful—

[Mr Deputy Speaker (Mr Lindsay Hoyle)]

Order. The hon. Gentleman must refer to hon. Members by constituency.

[Dr Offord]

I apologise, Mr Deputy Speaker. I can only say to the hon. Member for Easington (Grahame M. Morris) that perhaps he would like to see some of the conditions that my constituents experience, and then he can conclude whether the previous Member of Parliament, or indeed some of the Labour councillors, did anything to assist them.

[Grahame M. Morris]

I did not want to intervene, but I really cannot let that pass. As someone who served on a local housing authority for almost 20 years and came into contact with many elected Labour councillors, I can tell the hon. Gentleman that it was a top priority for us to try to ensure decent housing, and I am sure that that philosophy has also applied in Hendon.

[Dr Offord]

I can assure that hon. Gentleman that in my experience it certainly has not. I certainly would never wish to impugn his reputation, or indeed the work he has done over the past 20 years on the housing authority. I only wish that some of my Labour councillors had the credibility that he has.

[Mr Slaughter]

Will the hon. Gentleman give way?

[Dr Offord]

I can only extend to the hon. Gentleman the same courtesy he extended to my hon. Friend the Member for Northampton North (Michael Ellis) and say, “I think we’ve heard enough from you today, thank you.”

All those schemes in my constituency will allow my constituents to get a home near their family and friends, which can only be a good thing. I urge the Government to agree on those proposals as quickly as possible so that my constituents can start buying their first homes. That is a good thing that we can agree will emerge from the Budget.

The Budget rewards those who aspire to work hard and get on. It is for those who want to own their own home in Hendon, or indeed in Easington. It is for those who want to get their first job, to start a business or to save for their retirement. It is a Budget for people who realise that there are no easy answers to our financial problems but that we are on the right track, so let us get on with it.