Navendu Mishra
Main Page: Navendu Mishra (Labour - Stockport)Department Debates - View all Navendu Mishra's debates with the HM Treasury
(3 years, 1 month ago)
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Navendu Mishra (Stockport) (Lab)
It is a pleasure to serve under your chairship, Mrs Miller. I congratulate my hon. Friend the Member for Pontypridd (Alex Davies-Jones) on securing this important debate at a time when access to cash is becoming increasingly limited. I thank many organisations who have campaigned on the issue, including Disability Stockport, the GMB union and Cardtronics for their informative briefings. The hon. Member for Motherwell and Wishaw (Marion Fellows) tabled an early-day motion in July this year on this matter and I was pleased to add my name to it.
We are experiencing a long-term decline in cash usage in our country. While those with the right technology see many benefits, vulnerable consumers such as older adults, those on low incomes and the digitally excluded often depend on cash to help with budgeting, and they are experiencing an access-to-cash crisis. In the past three years my constituency of Stockport has seen a 24% drop in free-to-use ATMs as a result of a reduction in the fees that banks pay to ATM providers, making an increasing number of machines unviable. That has led to many of my constituents facing an acute cash problem, including those with physical impairments.
That is why the chief executive of Disability Stockport, Mr McMahon, wrote to me recently to set out how the issue has an impact on so many people. He informed me that, although disabled people readily recognise the need to introduce new ideas and embrace the benefits that modern technology may bring, they are also understandably wary as previous changes have resulted in greater exclusion from services, with many describing them as
“inaccessible or just plain impossible”.
For example, Disability Stockport cites an example from earlier this month of a couple in their 80s who asked the charity for help with downloading ID and other information just to apply to the council for their path to be altered. The charity also notes the challenge caused by the speed of change, which often happens at a pace faster than elderly or disabled people’s ability to adjust. That inevitably results in a situation whereby, when alternative options are unavailable, a large number of people end up being disenfranchised. I urge the Minister to consider all those with physical impairments or limited access before introducing any changes. In addition, considerations must be made of vulnerable individuals whose specific disability may make them more susceptible to fraud or financial abuse.
Simply put, the systems that dispense cash should be retained for as long as people require them—however small a minority they become. I urge the Government to protect access to cash and review forthcoming legislation, which is likely to focus on protecting a bare minimum level of access as opposed to maintaining standards at a level that all consumers want.