Publication of Claimant Data in County Court Judgments
Debate between Mike Freer and Janet Daby(1 year, 5 months ago)
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Janet Daby
I thank the hon. Member, and I absolutely agree with him.
The regulations were created in 2005. They allow for the sharing of specific civil court information with the registrar. However, that information does not include the name of the claimant in a judgment. That means that a defendant can obtain every other piece of information they might need, but not the name of the claimant who took the judgment out against them. That is a problem for several reasons.
Our justice system is world renowned. One of its key principles is that individuals should know who is taking them to court. That is a fundamental principle of natural justice—one that I am proud to champion, and one that I hope the Minister is, too—so it is ludicrous to discover that defendants in these cases do not know who is taking them to court. Indeed, it seems unreasonable and unjust that the claimant’s name is not published in county court judgments, and it creates something of an unbalanced system. It goes against the fundamental principles of natural justice that underpin our justice system. Again, I hope the Minister shares that concern.
To look at this on a more practical level, the omission of claimant data can have negative consequences for some of the most financially vulnerable in our society—for example, those wishing to settle and repay debts, or to come to an agreement with their creditor, who are unable to obtain the information they need about who is pursuing a claim. Instead, they must embark on the lengthy and convoluted process of seeking the judgment case number, via TrustOnline, and then making phone calls or writing letters to the courts to access claimant information.
The average waiting time for income inquiries to the courts often peaks at approximately one hour. That makes it likely that individuals will have to make repeated attempts to reach the courts, which further swells an already bursting administrative system. These delays in getting their calls or correspondence answered put individuals at risk of passing the 30-day window that they are given to settle their debt. If they miss the 30-day deadline, the judgment can be left to sit on their credit file for up to six years, at which point people will no longer be eligible for mortgages and may have further rent applications rejected, and insurance policies may lapse. That creates many problems.
Publishing claimant data would eliminate that. It supports both the claimant and defendant by making it easier to settle their debt, and it gets rid of an unnecessary layer of bureaucracy, which stacks the system against those who fall into debt. It seems archaic, ineffective and inefficient that individuals have to make endless calls or continually write to the courts to find out such a small but important piece of information. Neither side of this House would disagree with the assessment that our court system is currently beset with severe backlogs, and the Minister, alongside his departmental colleagues, has said repeatedly in the House and elsewhere that the Department is committed to cutting those backlogs. Therefore, it is in everyone’s interests that they succeed.
Today I offer the Government an easy win. Every week, it is estimated that the courts field 2,000 inquiries related to claimant information, which adds up to 100,000 inquiries a year—a colossal and unnecessary figure. Imagine what court capacity might be freed up if our courts were handling 100,000 fewer inquiries every year. Publishing claimant data will do just that: free up capacity and help to cut the court backlogs. I remind the Minister that that is without additional Government spending and without the need for primary legislation.
If I have not yet been persuasive enough, let me share with the Minister some of the other potential benefits of making this change—I think I probably have, as I can see some nodding in the Chamber.
Janet Daby
I will share a bit more anyway. Policymakers would be better able to understand what is driving problem debt and so would be able to develop better policy solutions. Regulators such as the Financial Conduct Authority or Ofwat would be better able to identify which firms are treating customers fairly by proactively supporting those who fall into difficulty. The Government would also be able to better target funding for debt advice services exactly where it is most needed.
Analysis by the Registry Trust, an organisation that I will talk about in more detail as I bring my speech to a close, found that 25% of all claimants in county court judgments are utility companies or parking companies. Unfortunately, in recent months Members of this House have become all too familiar with some of the poor practices deployed by energy companies in relation to the forced installation of prepayment meters. I know that is something that the Minister has engaged on with various Select Committees. Rightly, the actions of those energy companies have been condemned on both sides of the House.
Nevertheless, the fact that claimant data is not ordinarily published means that those energy companies can remain anonymous. Meanwhile, the people who the companies have registered a claim against are left blindfolded in terms of knowing who has taken out a judgment against them. That is wrong and a clear imbalance of justice, whereby our society’s most financially vulnerable people come second to energy giants who rush warrants through the courts, break into people’s homes and force-fit prepayment meters without proper regard for their customers’ welfare. Surely the Minister is not satisfied with this situation and wishes to rectify this inequality.
Let me reassure the Minister that I am not here to point the finger; I am here to help him put a solution in place that will actually work out in practice. The register of judgments, orders and fines has been run by the Registry Trust on behalf of the Ministry of Justice since 1985. The data managed by the trust supports millions of lending and credit decisions across the UK and Ireland every year. The Registry Trust provides services to Government bodies, regulators, credit reference agencies and many other organisations. On average, it processes over 130,000 records each month—vital work that helps our economy to keep moving. Before this debate, I shared with the Minister the news that I have been liaising with the Registry Trust for some time on this matter. The Registry Trust could not be clearer: it has the capacity to manage the addition of claimant data to the register.
If the Minister takes on board the arguments that I have laid out, goes back to his Department after this debate and drafts a statutory instrument so that it can be laid before Parliament at the first opportunity, I can assure him that he would not face opposition from the Registry Trust. Quite the opposite—the Registry Trust is leading the campaign for the publication of claimant data. If the Minister wants reassurance from the trust, I know that it would be only too happy to meet him and put their case forward.
Let me conclude by saying to the Minister: please do not look a gift horse in the mouth. This proposal requires no primary legislation, as I have already said. It does not add to Government spending. It promotes fairness and efficiency in our justice system. It is even being asked for by the organisation responsible for administering it. I therefore hope that the Minister will confirm the Government’s intention to update the 2005 regulations and publish claimant data.