(11 years, 5 months ago)
Commons ChamberThat is exactly the point I am trying to convey. We want to improve the scheme and give people that confidence.
I was quite interested today to come across an online headline in the Daily Mail that said: “Record your builder to make sure he sticks to his word”. That was the recommendation from the Under-Secretary of State for Business, Innovation and Skills, the hon. Member for East Dunbartonshire (Jo Swinson). She was suggesting that that would help to resolve disagreements in those situations.
The pilot went ahead in Atos’s Newcastle assessment centre between March and May 2011, and an evaluation report was submitted to the DWP on 4 June 2011. In a Westminster Hall debate on 1 February 2012, the previous Minister, the right hon. Member for Epsom and Ewell (Chris Grayling), set out the Government’s position. He said that owing to a lack of demand, audio recording would not be rolled out for all assessments. Specifically he said:
“We decided not to implement universal recording because, based on the trial experience, people did not want it.”—[Official Report, 1 February 2012; Vol. 539, c. 292WH.]
I am afraid that that assertion is not justified. The Atos pilot concluded that
“68% of customers agreed to the recording when contacted by telephone prior to the appointment.”
Owing to some claimants not turning up for their assessment, or eventually deciding that they did not want a recording, the figure for those whose assessments were recorded dropped to 46%. That figure is still substantial, however, and the demand for audio recordings is reflected in one of Atos’s key conclusions, which stated:
“Our recommendation would be that recording should be become routine as it is in a call centre or, for example, NHS Direct.”
Parliamentary questions and freedom of information requests have yielded another metric to defend the Government’s position—namely, that only 1% of the claimants in the pilot requested a copy of their recording. However, that cannot be regarded as an accurate reflection of demand, for two reasons. First, assessors in the pilot used hand-held devices and the recordings had to be transferred to computers and burnt to CDs after the assessments. That meant that claimants could not pick up their recording on the day but had to go to the added effort of making a request in writing. In effect, that required claimants to opt into the pilot and then opt in again to get their recording. We also do not know what the claimants thought the pilot was about. Often, when we phone helplines, we are told on a recorded message that the call will be recorded for staff training purposes. It is possible that the claimants in the pilot were not clear about its purpose.
Secondly, claimants were told that recordings would be of use to them only in the event of an appeal. Given that the report was completed just days after the pilot concluded, most of those involved would not yet have received a decision on their claim, let alone come to a view on whether they would appeal. Demand for copies might well have been higher had this metric been measured after a longer period. I therefore ask the Minister to accept that the number of claimants in the pilot who requested a copy of their recording is not an accurate reflection of demand, and that the number of people acquiescing to their assessment being recorded is a more appropriate metric to use.
Turning to what has happened in the two years since the pilot, I want to refer back to the statement given by the previous Minister in Westminster Hall on 1 February 2012. In addition to claiming that there had not been much demand for audio recordings, he said that
“we will offer everyone who wants it the opportunity to have their session recorded.”—[Official Report, 1 February 2012; Vol. 539, c. 291WH.]
In practice, however, it is hard for anyone to have an assessment recorded. The option to request recordings is not mentioned in the official DWP communications to claimants. I was reassured to see that the DWP website was updated last week, on 6 June, and that it now states that the Department and Atos are going to amend written communications. It states:
“We are working to introduce more widespread information for all claimants as soon as possible.”
However, it is now two years since the pilot, and the Department is still “working” to have this included in its communications. It does not seem to be too complicated a sentence to include in letters to claimants.
My right hon. Friend the Member for East Ham (Stephen Timms) said in a debate on 4 September that even when requests are made, they are not always met because of a lack of equipment. A freedom of information response from 22 May this year indicated that Atos now has some 50 audio recording machines, but this is inadequate given that over 11,000 assessments are undertaken across the country every week. Another freedom of information request from 23 May suggests that this national roll-out may even be a temporary measure that will end later this year.
Will the Minister confirm when DWP communications will be able to inform claimants that they can have their assessment recorded? To how many audio recording devices does Atos now have access? Will he confirm whether the recordings currently taking place are part of a wider roll-out that is intended to be permanent or merely a further pilot?
The report from Professor Harrington in 2010 prompted the Newcastle pilot, and it is worth looking at what he has had to say on this issue since then. In his December 2012 report, which was his third and final one, he said:
“The pilot of audio recording of assessments has also been subject to much debate…The Review has seen little evidence from the DWP evaluation of the audio recording pilot of 2011 that the universal audio recording of assessments would improve their quality…further monitoring and evaluation work needs to be completed before a decision can be made.”
The Minister might like to interpret Harrington’s reference to “little evidence” as suggesting that audio recordings make no difference, but I would argue that what he was getting at was the inadequacy of the pilot commissioned and accepted by the DWP, which was why he called for more examination of the issue.
What the assessors did in this pilot was to take a small number of reports, review them in light of the recordings and conclude that they tallied with each other—that what the written report said and what the recording said were the same. Subsequently, to justify their policy, the main arguments from the Government have both highlighted and ignored the various metrics of demand mentioned in the report. Neither of those approaches answers the key question: do audio recordings improve the quality of assessments?
Instead, I would contend that the key performance indicator for the work capability assessment should be the proportion of decisions that are subsequently overturned on appeal. A more robust pilot would have involved taking larger samples of both recorded and unrecorded assessments and examining the proportion of successful appeals for both. If they were the same, it would have been fair to conclude the recordings make no difference; but if there were a smaller proportion of successful appeals from those that were recorded, it would be equally fair to conclude that they were worth while.
We need to be clear, too, whether the current roll-out is actually just another pilot still to be evaluated. If it is to be evaluated, it would be useful to know what is going to be evaluated. This has a relevance beyond the employment and support allowance because the DWP now says that it will make a decision about audio recording of personal independence payment assessments after the evaluation of the ESA experience. That is despite the fact that one of the companies tendering for that PIP assessment, Capita, originally offered to audio record all its assessments. Asking the right questions about what the evaluation is for is crucial.
Is it not important to test not only the impact on quality but the impact on the confidence of those assessed?
Indeed. As I think I said earlier, this may well answer some of the issues. If people are anxious about these assessments, their confidence would certainly be improved in this way. If, as some suggest, the assertions made by claimants are exaggerated, that would be established, too, and we would all be happier. We need to know—it is a bit unclear—whether we are going to re-run another pilot, whether what is going on is a pilot and, if so, how it is going to be evaluated.
In conclusion, I want to raise three sets of questions. First, will the Minister accept on the basis of how the pilot was carried out that requests for copies of audio recordings should not be cited as a reflection of demand, and does he accept that the number of people who want to have their assessment recorded is a more appropriate measurement to use? Secondly, will the Minister tell me exactly what steps are being taken, and how quickly, to inform claimants that their assessments can be recorded? If people do not know that that service is available, they will hardly ask for it. Will the Minister also tell me how many audio recording devices Atos now has access to, and whether there will be a wider, permanent roll-out or merely a further pilot? Finally, will the Minister accept Professor Harrington’s call for more work to be done, so that there can be a proper evaluation?
(11 years, 8 months ago)
Commons ChamberLet me say quickly that changes to demographic factors such as age are important in this respect, and 42% of the welfare budget goes on older people and pensions.
(12 years, 9 months ago)
Commons ChamberThe hon. Member for Vale of Glamorgan (Alun Cairns) referred to what he thought was the regrettable negative public opinion towards bankers, but we have to accept that over a considerable period the banking industry has changed so dramatically that perhaps it needs greater regulation.
My mother-in-law remembered that when as a student she went overdrawn, the bank would write to her father, and that when she got home for her summer holidays, she would be in big trouble. In contrast, my children were automatically given a £1,000 overdraft as soon as they presented their new student cards at the bank. Before I could say, “Hang on a minute, perhaps that isn’t terribly wise,” they found themselves unable to refuse this largesse. That demonstrates the change that has taken place over a couple of generations. To that extent, the banking industry has to look to itself, not just to external regulation, and ask where things have gone wrong.
At the beginning of this debate, when things were a bit livelier—they are often livelier at the beginning than near the end—much was made of whose fault it was, who did not regulate, and whether the Opposition would apologise for failing to regulate and for the financial collapse. That is rich coming from a party that, even when the financial crisis was beginning to crash around us, spent so much time saying that there was too much regulation. There are clear quotations to that effect, with the current Prime Minister saying in 2008:
“As a free-marketeer by conviction, it will not surprise you to hear me say that a significant part of Labour’s economic failure has been the excessive bureaucratic interventionism of the past decade…too much tax, too much regulation, too little understanding of what our businesses need to compete in the modern world.”
There are many other quotations like that. It is not just that the then Opposition were not standing up and saying that we needed more regulation; it is that they were going beyond that and saying that there was too much regulation.
We all have to reflect on that. I have no hesitation in saying that I believe the last Government did not sufficiently regulate the financial services industry and should have done more. We have seen many of the difficulties caused by that. The FSA has been roundly criticised by many of the victims of financial collapses. My hon. Friend the Member for Rutherglen and Hamilton West (Tom Greatrex) talked a lot about Arch Cru and how it worked. Many of us in have had people come to us affected by the Equitable Life collapse, which was due to the failings of both the FSA and its predecessors. We know how people’s lives can be affected. It is extremely important that the new regulatory architecture, as it seems to be called, should grapple with the kind of situations that have arisen and how they affect people.
We also need regulation that looks at the most vulnerable, which is particularly important. Citizens Advice, which deals with a lot of people’s problems, has suggested that the FCA be placed under an explicit duty to be proactive in preventing and responding to consumer detriment, and to have particular regard to the needs of low-income and otherwise vulnerable consumers. Earlier we heard about high-cost credit and what it does to people, but Citizens Advice has suggested that the problem goes much further. It includes, for example, the way that cheques have been phased out of the banking system, with little regard for the needs of those with little choice but to use them, and the way that people have perhaps been encouraged to bank online and not otherwise, which could be to the detriment of those who cannot do so. Indeed, it might even include the way that banking itself works. Many of us think it is wonderful to have free credit for having a current account and not to have to pay fees. However, there is a downside to that, in that it is often funded by what those who become overdrawn—not necessarily because they are wholly irresponsible; rather they may simply be hard up and experiencing difficulties—have to pay for that. Those are all things that we should be considering, but if the new body does not have an explicit duty to consider such matters, they might simply not be dealt with properly.
We have heard, too, that some of the things that the Office of Fair Trading does on consumer credit—things that most of us probably feel it has not done very well over the years—will be transferred to the new organisation. Again, we need to know as much about that as possible, and as soon as possible. It is not good enough to say, “That will all come along in due course.” There have been clear failures in the system to look at the issue in enough depth, to act quickly enough and to ensure that people are not faced with poor banking and credit practices. Basic bank accounts is another area. The current Government appear not to want to place an obligation on banks to provide a right to a bank account, for which the previous Government had proposed to legislate. I hope that the Minister might take this opportunity to reconsider the position that he expressed when I had a Westminster Hall debate on this very subject some months ago, and to decide that he will go ahead with such a proposal, because the position on basic bank accounts has deteriorated since that debate.
My hon. Friend is making a clear and powerful case for regulation in appropriate places, and I would be grateful if she continued her exposition.
Although it is widely believed that regulation for the poorest is particularly important, those of us who have witnessed the kind of financial failure that so many people have had to put up with are aware that it is important not just to the poorest, but to a number of those with reasonable incomes. Our Work and Pensions Committee has been discussing pension auto-enrolment. One of the fears expressed was that people would not want to save because they did not trust the financial services industry. If we want people to save properly we must ensure that they feel that trust, and it could be re-created through proper regulation.
(12 years, 11 months ago)
Commons Chamber(14 years ago)
Commons ChamberComing from Scotland and having seen both coalitions and minority Governments in operation, I am very open to various ways of running a Government. I would not for a minute want to suggest that it always has to be an absolute majority, that first past the post is what we need or that we need majorities.
My hon. Friend is making an eloquent and forceful argument, drawing on the arguments that we have heard before. She is saying very well that there is consensus in this House about fixed-term Parliaments, but that constitutional change should be undertaken very carefully to ensure that it creates a settlement that is sustainable and stable. Separating national elections from UK elections is an important part of that, because it makes for a crisper, more certain mandate from the people whom we have a duty to serve. When the people are going to the polls for the Assembly or the parliamentary elections, they should be clear that those are the prime elections to focus on. When there is a UK election, they can focus on that. For that reason, four-yearly terms would be much better at this time.
I thank my hon. Friend for his intervention, with which I wholly agree.
Ordinary electors thought that a hung Parliament would be a good idea, because they genuinely believed that there would be openness and that people would listen to different points of view. That has not happened. The strong views of the elected Governments of Wales, Scotland and Northern Ireland have not been listened to. The bulk of the evidence given to the Select Committee on Political and Constitutional Reform, of which I am a member, was clearly in favour of four-year fixed-term Parliaments. Why should that weight of evidence be ignored? Was that what people expected from a more consensual and open approach? I think that a lot of people thought that coalition meant that we would get the best bits from everyone and that everyone would sit around and have discussions—