Pension Schemes Bill [Lords]

Debate between Natascha Engel and Ian Blackford

2nd reading: House of Commons
Monday 30th January 2017 Commons Chamber

[Madam Deputy Speaker]

I also appreciate that he is not going to be speaking in tonight’s debate, but I just want to say that it is a very narrow Bill about something very specific and this is not the forum for discussing all that. People might be very disappointed that we are not debating transport policy, but we are not; we are debating master trusts, so I ask the hon. Member for Ross, Skye and Lochaber (Ian Blackford) to keep just to that. I know he is trying to skim over things, but if he could skim away from other issues and get back to the main point, we would all be very grateful to him.

[Ian Blackford]

I will endeavour to skim away, Madam Deputy Speaker. You made the point that this is a narrow Bill, which is exactly why it would have been impossible to amend it to take account of the WASPI case. The right hon. Gentleman should know that an attempt to kill the Bill would have done exactly that, and we do not solve the problem faced by WASPI women by defeating this Bill, which is so necessary to protect pension savers. Frankly, he should be thoroughly ashamed of himself; he does no justice for the WASPI women with his campaign and the remarks he is making.

Let me conclude the remarks I was making. The sheer fact that the Cridland review is currently looking at the state pension age, without looking at the existing problems, limits the ability to learn and develop a more progressive outlook, which could safeguard dignity in retirement for pensioners. Generally, the threat of pensions scams and transfers from pensions to high-risk schemes needs to be urgently addressed. [Interruption.] I have got to the bits I am not allowed to say any more. [Laughter.]

We reiterate our call for the establishment of an independent pension and savings commission to look holistically at pension reform, focusing on existing inequalities and paving the way for a fair, universal pensions system. The entire pensions landscape is in need of fundamental reform, particularly with a pressing need now to review and enhance auto-enrolment. The Government are set to review auto-enrolment this year, but reports seem to suggest there may not be substantial changes from the review, and with many missing out on auto-enrolment we need to ensure that this policy is moved forward. Although 7 million workers have been auto-enrolled, a further 6 million workers have missed out. The Pensions Policy Institute revealed that 3.3 million of the people excluded from auto-enrolment had been excluded because they earned less than £10,000 a year. It also found that three quarters of the employees earning less than the auto-enrolment trigger were women.

We believe that lowering or removing the auto-enrolment trigger would significantly increase the number of people saving through auto-enrolment and in master trusts. It would also go some way to alleviating some of the historical inequalities women face, whereby their occupational pension savings are already well below those of men. There are clear disadvantages here, particularly for part-time and the low-paid workers. For example, somebody earning £10,000 per annum will not benefit from the 8% contribution; they will benefit by only 3.4% because over half the earnings are excluded. Although self-employed workers are growing vastly in number, they have fewer incentives to save. If the Government were to review auto-enrolment sufficiently, they could consider moving to a flat rate of pension tax relief and allowing self-employed people to deduct pension contributions from profits to end the disparity.

Looking at the age at which auto-enrolment is triggered could also be more progressive. Just on 26 January, Zurich Insurance called on the Government to take

“a steady approach to increasing minimum auto-enrolment contributions above 8%”.

While there is an acceptance that the levels need to rise, it must be done in a way whereby workers do not opt out.

In conclusion, I welcome this Bill. It contains much we can support and we will work constructively with the Government to enhance it further. I hope that when the Minister winds up he will join with us in that spirit of consensus.

Parliamentary Constituencies (Amendment) Bill

Debate between Natascha Engel and Ian Blackford

2nd reading: House of Commons
Friday 18th November 2016 Commons Chamber

[Ian Blackford]

On a point of order, Madam Deputy Speaker. We were informed by Mr Speaker earlier that the right hon. Member for Forest of Dean (Mr Harper) was called early because he apparently had a cold. May I suggest that if he is suffering—I am sure that he has the good will of the House if that is the case—it might benefit the rest of us if he went away and took his medication? If he does not genuinely have a cold, has he brought this House into disrepute by duping Mr Speaker?

[Madam Deputy Speaker (Natascha Engel)]

That was obviously not a point of order, but I, too, heard Mr Speaker say to the right hon. Member for Forest of Dean (Mr Harper) that he hoped the right hon. Gentleman would come to the end of his speech quite rapidly. A great many other Members wish to speak. I appreciate how learned the right hon. Gentleman is and how personally involved in this issue he was, but I think that everyone would be very grateful if he brought his remarks to a conclusion.

Transitional State Pension Arrangements for Women

Debate between Natascha Engel and Ian Blackford

Wednesday 24th February 2016 Commons Chamber

[Madam Deputy Speaker (Natascha Engel)]

The hon. Gentleman has been in and out of the Chamber. He was here at the beginning of the debate. May I use this opportunity to calm things a little bit, so we can move on? A very large number of Members want to speak. If Members make interventions, please keep them short. May I also remind Members that they are speaking through the Chair? When they say “you” they are addressing the Chair, not hon. Members.

[Ian Blackford]

Thank you, Madam Deputy Speaker. I very much agree with the hon. Member for Norwich South (Clive Lewis), who makes very good points. It is all about unfairness to women who are really struggling, women with ill health and women who cannot work; and it is about the Government accepting their responsibilities.

--- Later in debate ---

[Ian Blackford]

To defend what the Government are doing is to defend the indefensible. It is wrong; it is mean-spirited. Conservative Members should not just troop through the Lobbies without reflecting on the situation of women who in some cases are losing tens of thousands of pounds of their entitlement.

I have talked so far about women born up to 1954. A woman born in 1955 will not retire until 10 February 2021, aged 66 years. That cannot be right. It is far too steep an increase over a short period, and the Government must put mitigation in place. You Government Members should examine your consciences. You will have women from the WASPI campaign coming to see you—

[Madam Deputy Speaker (Natascha Engel)]

Order. The hon. Gentleman is speaking through the Chair. When he says “you”, he is speaking to me, but I am not directly participating in the debate. I would be grateful if he would address his comments in the third person.

[Ian Blackford]

I apologise most sincerely for my oversight, Madam Deputy Speaker, and I will make sure it does not happen again.

Conservative Members will have women from the WASPI campaign coming to their surgeries. Let us look at what some of the woman affected have said about their real- life experiences of these changes. Here is one example:

“My husband and I got married in 1974, he is 12 years older than me. I like to think we planned life in the right way. The pension law has put all our plans out the window. I had been planning all my available options, when my husband retired, and in 2011, I requested my state pension forecast. It stated that if I deferred till 2020 I should receive a £14,621 lump sum. I thought this may allow me the option to work two days and still enjoy my family, but thanks to the changes I will no longer receive this. Also, I hadn’t anticipated that my age might make me a prime candidate for redundancy. Losing my job in 2014, was a massive blow. The government may have changed the law, but it turns out many industries don’t want 60+ women. They are effectively retiring us, and forcing us to use our lifetime savings on daily living costs, as no one wants to hire us!”

There are so many points to dwell on there, but most importantly, it speaks of the crushing of so many hopes and dreams.

It is also the case that many women are being forced to work on beyond their expected retirement date, and this brings its own challenges in terms of the availability of suitable employment, and many are sadly experiencing ill health. What has been the response of the Government? It is that other benefits are available. What a response! You have worked hard, paid your dues to society, met your side of the bargain in paying national insurance and expected to receive a pension, yet this callous, heartless Government are ripping that contract up and telling folk to claim benefits. Is that really the answer? You can get means-tested benefits, which will cost the Exchequer, but you are being denied what is rightfully yours. Welcome to “Osborne’s Britain”—callous, cold and undignified.

Emergency Tug Vessels (West Coast of Scotland)

Debate between Natascha Engel and Ian Blackford

Monday 22nd February 2016 Commons Chamber

[Madam Deputy Speaker (Natascha Engel)]

Order. Before the hon. Member for Ross, Skye and Lochaber (Ian Blackford) continues, I remind Members that they should speak through the Chair. At the moment, Members are addressing one another directly, and I should be grateful if they addressed their comments through the Chair.

[Ian Blackford]

Thank you, Madam Deputy Speaker. I agree with the point made by my hon. Friend the Member for Caithness, Sutherland and Easter Ross (Dr Monaghan). I would argue that there is a wider point, because if we had responsibility for our marine environment in Scotland we would make sure that we had ships in place to protect our coastal community. Moreover, the unbelievable threat that we face from nuclear waste being moved by sea down the west coast of Scotland would certainly not be tolerated by an independent Scottish Government.

Let us think about the risks that we face on the west and north coasts of Scotland: extreme weather, treacherous coastlines and changing tidal patterns throughout the year. In those treacherous waters are general cargo boats and tankers, and there is even the threat of nuclear waste, as has been said. The thought of nuclear waste being transported down the west coast leaves me cold. The possibility of no emergency towing vessels being available horrifies me.

The need for such vessels was demonstrated clearly when two days after the announcement of the withdrawal of the vessels in 2011, the ship-towing vessel based at Stornoway was sent to the aid of a nuclear submarine, HMS Astute, which had run aground off Skye. We do not know whether Astute was carrying nuclear weapons—it is a moot point—but a nuclear sub colliding with the Isle of Skye was quite an incident. Who is to say such an event could not happen again? We need the security of an emergency towing vessel. I might add that the towing vessel would provide some security for us; a useless Trident nuclear submarine presents no security to the people of Scotland.

Where is the Government’s responsibility to my constituents—what will happen if there is another Braer, heaven forbid? We have learned that ETVs are not a statutory responsibility of the MCA and are not a budget priority. Even so, the MCA admits there is an increased risk if ETVs are not available. One almost could not make this up: there is acceptance of risk, but here is the rub, those of us in these far-off communities, well, we can take the risk—we are expendable. That is the message from this Government. Why should the Minister care? As a local MP, I care for my communities—I will fight for my communities—and I want the Government to take responsibility. What is the point of the MCA if such provision is not a statutory responsibility? Why will the Minister not make it a statutory responsibility?

Let me deal with the issue of vessels in the constituency of Ross, Skye and Lochaber. This wanton disregard for marine safety takes place at a time when the MCA is considering an application for ship-to-ship oil transfers in the Cromarty Firth. Here again, the Government seem to be coming up short in discharging their responsibilities to consult effectively and take environmental considerations seriously. It is environmental concerns that demonstrate the need for our marine safety to be taken seriously, and our communities need the comfort of knowing that emergency towing vessels are there as part of the Government’s responsibility.

The Scottish Government are responsible for marine safety yet, incredible as it sounds, we do not know whether Marine Scotland was consulted as part of the process. The application for the ship-to-ship transfer dated 5 November states that the MCA confirmed that the main consultees would be the local government authority, the Scottish Environment Protection Agency and Scottish Natural Heritage, with the appropriate wildlife non-governmental organisations. There was no mention of Marine Scotland. Why not?

That is why I tabled a question to the Minister dated 9 February, which was answered on 15 February, stating that Marine Scotland was consulted. I have not been able to clarify whether this was the case or not. Perhaps the Minister can do so this evening. Why was Marine Scotland not listed in the consultation document? Was it consulted? In the interests of transparency, will he publish any related correspondence?

I return to the clear need for ETVs both on the west coast of Scotland and in the north. I mentioned the Donaldson report from 1994. We also had the Belton report in 1995, which stated:

“Once a ship has irreparably broken down and is drifting towards the shore tugs represent the first and only line of defence.”

Well, that is pretty clear. We also need to examine the scale of the risk. The Minister has an issue with costs.

Off-patent Drugs Bill

Debate between Natascha Engel and Ian Blackford

Friday 6th November 2015 Commons Chamber

[Ian Blackford]

On a point of order, Madam Deputy Speaker. Will you give us some guidance? Given the feelings being expressed throughout the Chamber, what can we do to move a closure motion so that the views of the House can be expressed properly in this debate?

[Madam Deputy Speaker (Natascha Engel)]

The hon. Gentleman is perfectly entitled to move a closure motion, and it is for the Chair to decide whether or not to accept that motion.