(4 years, 4 months ago)
Commons ChamberI wholeheartedly support the Labour motion and I am glad that the Government now recognise the strength of our case. It is important at this time that children who need help will be fed over the summer.
Let me illustrate my point by referring to a crisis that my sisters and I experienced when we were young. We were children in a single-parent home in the south Wales valleys. We benefited from free school meals and clothing grants through our early years. At those times, those meals were a godsend. When I was 14, our mum had a terrible mental health episode. She moved away and left me and my two younger sisters to fend for ourselves for a few weeks, then my dad came back from being a seafarer to look after us. Mum did leave us with a £10 note, which was a big help, but she was in a terrible state. It was the start of ongoing very poor health for her, and she was to die at 42 years of age.
I vividly remember the day after my mum left. I worked as a paper boy and there was a muesli promotion in one of the women’s magazines, so we had packets of muesli for breakfast for the next few days. Over those few weeks alone, we three kids pulled together, relatives stepped in and we managed until my dad came back. At school, we had free school meals. Those meals kept us going. Of course, it was a very unusual situation, but so is a global pandemic: people are having to feed their families while earning 80% of their normal wages; and people on sick pay are having to survive on £95 a week. This summer, too many families will find themselves in poverty and some will have to deal with a crisis. They may need that school-meal lifeline.
My message is simple. The Government told us at the start of the pandemic that no one would be left behind. We should stand up for children who, through no fault of their own, need our support. I am glad that the Labour motion will now receive all-party support tonight. And finally, I say well done to Marcus Rashford.
(6 years, 4 months ago)
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I will move on to talk about teachers and their role, including the things they have noticed and how we might help them. It is such an important point. I am particularly interested in those voice coaching projects.
I mentioned the detrimental effect that poor communication skills can have on children. Affected children do less well at school. From the get-go, they make less academic progress in the early years foundation stage than their contemporaries, and when they leave primary school their attainment in reading, writing and mathematics is much lower than those without SLCN. The report states that only 15% of those identified reached the expected standards. Unsurprisingly, those children are also affected at GCSE level; only 20.3% of SLCN children gain a grade 4 or C or above in English and maths at GCSE, compared with an expected 63.9% of all pupils. The pattern is clear: poor SLCN attainment will directly affect their academic progress.
On top of that, unfortunately, there is a high chance that those children will develop mental health issues. In fact, young people referred to mental health services are three times more likely to have SLCN. There is also a strong correlation between emotional and behavioural disorders and language difficulties.
I thank the hon. Lady for her leadership on this subject, and it is great that she has secured the debate. The report’s recommendations on youth justice are really important, and it is clear that speech and language therapists can play a big part in reducing the risk of reoffending. Does she agree that it is important that those services are provided as early as possible to young people in the youth justice system?
I know that the hon. Gentleman is particularly interested in this area. He makes a valid point, which I will move on to, because it all links up.
Everything I have mentioned so far affects children’s life chances. As the hon. Gentleman just said, that is borne out by the fact that 60% of young offenders have unidentified speech, language and communication problems, so the link between the two is stark. Children with poor vocabulary skills are twice as likely to be unemployed in later life. Young offenders are often put on courses, such as anger management and drug rehabilitation, to try to help them, but if they do not have good reading, writing and communication skills, it is difficult for them to take advantage of those courses. I am sure that you will agree, Ms Dorries, that none of those things is desirable in a 21st-century society.
There is even more to these findings, because many of these children come from areas of social disadvantage. There is a very high prevalence of SLCN among vulnerable children, particularly looked-after children. Again, looked-after children are highly represented in the criminal justice system—the 60% figure emerges again. Unsurprisingly, many excluded children are also found to have SLCN, particularly boys—one study found that 100% of excluded boys had some sort of communication or behavioural disorder.
Unsurprisingly, the children of mothers who sadly have mental health issues, that develop just before or after birth, are often found to display SLCN, probably because as babies they did not receive the crucial stimulation they needed, which is so important from the absolute outset. Such children do not develop the essential language skills. Again, that highlights how important it is to pick up mental health issues in mums as early as possible, because they can have a knock-on effect on the babies.
Parenting is really important, so I will talk about that for a moment—it is not a digression, because it is all directly related. This issue affects not only people from disadvantaged areas, but all of us, wherever we come from. It was motherhood that prompted my interest in the importance of early communication. My sister is a speech, language and communication therapist specialising in early years children—I may have to register an interest. She made me aware of how I ought to engage with my babies from the word go. I do not think I had even held a baby before I had my own children, so I was pretty ignorant about children. I am not saying that my children are model success stories, but I have to say that the tips I was given really helped.
They were just simple things. For example, from birth to three months, parents should get very close to their baby, so that it has eye contact and starts to recognise the mouth, and learns that that is where sounds come from. If children are just sat down in front of a television or a laptop, they will not start to realise that. At six months, a baby starts to become very aware of its environment, so parents should start to talk about the things they are looking at. Obviously, they are not speaking at that point, but they are looking, so parents should start naming the object they think their baby is looking at, whether it is a dog, a cat, a mug or a cup. Then, from nine to 12 months, parents can start to expand on that. Their baby might be in a high chair and pointing at a cup, so the parent should say the word, and they should say it many times, because repetition is how our children learn. Many people think that children do not really communicate until they start talking, but of course they are; they are picking up all those vital signals that will help them to start forming words. It is an utterly fascinating subject.
I am told that dummies really are a no-no. Nursery staff I have spoken to have borne that out. If a dummy is put in a child’s mouth too often, it can affect the way the mouth develops. I discussed that only recently with a specialist facial consultant at Musgrove Park Hospital, and she agreed that we do not want to influence what happens in a baby’s mouth, because that has to grow and develop as well.
I will turn now to an area that I know is close to your heart, Ms Dorries: reading stories, poems and even songs. We can never do enough of that with our children, starting from the word go. I recently read an article by the author Philip Pullman, in which he bemoaned the fact that, sadly, not enough children are read to anymore and that the bedtime story is disappearing. Indeed, staff at a nursery in Taunton that I visited recently told me that many parents are ditching the bedtime story. The bedtime story is a crucial way for children to learn how to communicate, and again it is not to do with how wealthy someone is, or how smart they are. It is a cheap activity—almost free—that can help our children so much.
Some very interesting research on teaching effective vocabulary produced by A. Biemiller has shown that at age seven relatively high-performing children have an average of 7,100 words in their repertoire and that they can learn, on average, three words a day. However, relatively poor-performing children have an average of 3,000 words in their repertoire and learn, on average, one word a day. That is an enormous gap to fill if those relatively poor-performing children are to catch up when they get to school—I am told on good authority that it is almost impossible for them to catch up. Vocabulary at age five is the best predictor of a child’s outcomes at GCSE level.
(7 years, 11 months ago)
Commons ChamberWe certainly do not want the right hon. Gentleman to go to the cellars and stay there until 2022; we would miss him greatly.
On timetabling, can the Deputy Leader of the House say what progress has been made in government in securing a money resolution for the Parliamentary Constituencies (Amendment) Bill, which was passed by a majority of 216 on Second Reading four weeks ago?
That has nothing to do with sitting in September 2017. The House is in a very curious mood today; questions are very interesting, but they suffer from the disadvantage of bearing little or absolutely no relation to the matter on the Order Paper. But the Deputy Leader of the House is a barrister, so if he cannot respond, nobody can.
(9 years, 4 months ago)
Commons ChamberI welcome my hon. Friend to her place and thank her for her question. She provides examples of exactly the sort of regulation that we are seeking to look at and, indeed, to remove if necessary. That is why I will shortly announce a new Twitter account, @CutRedTapeUK, which no doubt—[Interruption.] It is all right. I am familiar with Twitter—oh, yes—and hashtags. I am trying to make the very serious point, which may be lost on Opposition Members, that we want to hear from businesses, and indeed from anybody, about the red tape, regulation and the burden it imposes, notably on small businesses, so that we can cut it.
20. The summer sporting and music calendar is in full swing, but fans are being let down by shady ticket sellers. This week, Taylor Swift fans are disappointed after the company from which they have bought tickets online disappeared without trace. When can we have better regulation of the secondary ticket market so that fans are not ripped off? [Interruption.]
I have heard of Taylor Swift, too. We are doing a review of that because we recognise that there is a problem. [Interruption.] The hon. Gentleman is straining to hear above all the chuntering on the Benches in front of him. I think my hon. Friend the Minister for Skills has responsibility for that—we are aware of the problem and we are doing a review—but I am more than happy to meet him to talk about it.
(9 years, 9 months ago)
Commons ChamberMy hon. Friend rightly points to the principle I laid out at the beginning of my speech: we have to treat all voters equally when it comes to the electoral register.
We all know that under the old system the register was inflated. Tenants and students moved on, but the register did not. People were registered at multiple addresses without their knowledge.
In Blaenau Gwent over the past year, more than 2,000 people have dropped off the register. Does the Minister accept that being on the register is important in obtaining credit and getting a mortgage? What are the Government going to do to help the 8.5 million people who have fallen off the register to get a mortgage and to borrow money?
The number of people on the register is increasing all the time. If we look at the register for December or for any month, we see that it provides a partial snapshot of a two-year transition process. We also know that the old system was susceptible to fraud. In one case, someone managed to register their dog to vote.
I am somewhat disappointed by the motion, because it over-eggs the pudding to some degree. It does not recognise that this process was started by the previous Government but has been picked up and progressed by this Government. Labour Members began the whole process—I welcome that and have congratulated them on it many times—and we are now successfully delivering on it. That is a good thing.
There is still a lot of work to do before the 2015 election and before IER is fully introduced. The motion calls for more to be done to tackle under-registration, without any recognition of how much effort and money has been put into doing that. It is curmudgeonly not to recognise that that effort has been made. The conspiracy theory that this is all about removing poor people from the register is not compatible with that huge effort and with the funding that has been made available to ensure that they are given the opportunity to be put on the register.
Does the hon. Gentleman accept that the Government are missing important sources of voter data? For example, if they used information from credit reference agencies such as Experian, they could boost registration considerably. Does he accept that that would be a worthwhile thing to do?
The pilots have identified the best ways of getting the most people registered, although the system can always be refined and made better. There seems to be an assumption that the previous registers were perfect, but in areas of high fraud that was simply not the case.
Eighty-seven per cent. of people have successfully been moved on to the electoral register. Yes, plenty still needs to be done, and that is why I agree with many parts of the motion. We need to tackle registration for the hard-to-reach groups and to make sure that EROs are doing the very best they can to ensure that as many people are on the register as possible. The reduction in the voting age that I hope will happen in future means that we need to do many of the things suggested in relation to schools and colleges. That work is being done through the all-party group on voter registration.
Part of the reason for implementing the new IER procedure was to increase the accuracy of the register. Those who represent an area like mine will know just how necessary that was, particularly in helping to deal with voter fraud. In many cases, not even the new system will bring about changes to the voter fraud that takes place as a result of certain behaviour and the failure of political parties to impose strong discipline on their own activists. In Bradford, 88% of people are automatically registered under the data-matching system, yet we are still likely to have problems with postal vote fraud in particular. The problem we have experienced is not that people are not legitimately registered to vote in a household, but that postal votes are collected and filled out on behalf of constituents or that unacceptable pressure is put on individuals to vote in a particular way, as court cases have identified.
As well as ensuring the accuracy of the register, we need to ensure that the police take seriously and investigate cases of fraud that are reported to them. Too often, the thought in the mind the police has been, “Well, they’re all at it,” and it has not been taken as seriously as it should be. In Bradford in the past, candidates of all parties have been required to sign a pledge stating that they will not take part in voter fraud. That is how serious the situation is in places like Bradford.
Between now and the election, work needs to go on. Bite the Ballot has been mentioned and I will be on a bus—which we are paying for, not the Government—going around the constituency tomorrow for national voter registration day. Last summer, we took the bus out and registered 250 young people in our constituency. That is where the effort should be going. That is the effective way of ensuring that we get people on a register that we can be satisfied with and that is more accurate.
I think that Members on both sides of the House would like the Electoral Commission to achieve much more than that, and of course that is why the Government have set out £14 million of spending, which I am going to come to, to boost registration.
We have taken a number of vital and novel steps to transform electoral registration in this country. Online registration, which has been welcomed by everyone, was introduced for the first time last year and makes registering to vote easier than ever. Of course young people in particular, who spend a significant percentage of their time online and are very familiar with using systems online, will be able to use that very easily. It is easier, too, for people to encourage others to register, simply by sharing a link to the gov.uk website.
My hon. Friend the Member for Bishop Auckland (Helen Goodman) showed how difficult it is for young people to know their national insurance number. What action are the Government going to take to ensure that 16 to 18-year-olds know their NI number so that they can register to vote, and thereby deal with this problem?
First, as the hon. Gentleman may know, EROs can advise on alternative sources of that information, and I am sure that best practice in helping young people in that respect will be disseminated. I should also say that given that the Labour party supports, as I do, the idea of young people being able to vote at 16, I am a little worried that Labour Members seem to think that young people are completely incapable of keeping any records themselves.
Last month the Government announced a further package of funding of up to £10 million to support activities to maximise registration.
(9 years, 10 months ago)
Commons ChamberI agree with the hon. Gentleman and thank him for that valuable contribution. He is not only a creator of music—he remains one to this day—but a huge supporter of the music industry.
Other signatories to the letter included probably the world’s most pre-eminent promoter, Harvey Goldsmith CBE; the operators of west end and regional theatres; a host of individual music managers who look after some the country’s leading performers, including Iron Maiden, Muse, Arctic Monkeys and even One Direction; and most other industry umbrella bodies, which represent countless businesses contributing to the vitality of our creative sector, such as the Association of Independent Festivals and the Event Services Association.
All those bodies, and more, joined together to call on the Government to make one simple change. Would the Government rather listen to that collective call from the live event sector: the people whose hard work, talents and investment create the demand that the touts exploit? Alternatively, would they rather listen to the four companies that have been lobbying so intensely—I have with me reams of letters they have been sending out lately—against opening themselves and their relationships with big-time touts up to scrutiny?
May I also praise my hon. Friend’s leadership? She has done a cracking job raising this important point. Does she agree that we need to get at the touts? Those internet spivs are ripping off fans across the country, rigging the market and preventing real fans from going to gigs by exploiting them through the hugely overpriced tickets that they have harvested.
My hon. Friend makes an excellent point. If the Minister does not want to listen to him, me, Members from both Houses or the creative industry, she should at the very least listen to the police.
The “Ticket Crime: Problem Profile” report by Operation Podium has, of course, been quoted in this place before—several times by me, in fact—but it bears repeating. This was, after all, the unit that was set up to tackle organised crime affecting the Olympic games, and it spent about seven years looking at the workings of the ticket market. In particular, it looked at the major ticket touts—the very people my hon. Friend the Member for Blaenau Gwent (Nick Smith) spoke about—because of the links that many of them have to serious and organised crime and money laundering, and because it was likely that the same people would try to tout Olympic tickets.
After spending so much time looking at the ecosystem that exists behind the veneer of legitimacy provided by the secondary platforms, the Metropolitan police’s Operation Podium unit produced a final report on ticket crime in February 2013. It found that:
“Due to the surreptitious way that large numbers of ‘primary’ tickets are diverted straight onto secondary ticket websites, members of the public have little choice but to try to source tickets on the secondary ticket market.”
It concluded that:
“The lack of legislation outlawing the unauthorised resale of tickets and the absence of regulation of the primary and secondary ticket market encourages unscrupulous practices, a lack of transparency and fraud.”
It made the following recommendations:
“Consideration must be given to introducing legislation to govern the unauthorised sale of event tickets. The lack of legislation in this area enables fraud and places the public at risk of economic crime.
The primary and secondary ticket market require regulation to ensure transparency, allowing consumers to understand who they are buying from and affording them better protection from ticket crime.”
Will the Government listen to the police, who have nothing to gain either way, or to those who have gained and continue to gain from the lack of the regulation that the police say is needed?
One public agency that might have something to gain from the change is Her Majesty’s Revenue and Customs. One effect of the new clause proposed in Lords amendment 12 is that it would be possible to see which individuals were reselling tickets as a commercial enterprise, and therefore who should be paying tax on the sales made through the websites.
At the moment, when somebody buys a ticket on such platforms, they are led to believe that they are buying from another fan, and the only VAT that they see on the final statement is the VAT on the service charge levied by the platform. If they are, in fact, buying from a third party business—or even from the event organiser, or, as in some cases, the performers themselves—VAT should be paid on the ticket price, as well as, obviously, on its profits as a company. That point was raised last weekend with the Secretary of State for Culture, Media and Sport in an e-mail from a live music agent that I was copied into. They made the point that PRS for Music, which collects royalties to distribute to artists and music publishers, is also being deprived of its lawful entitlement.
I wrote to HMRC following the “Dispatches” documentary, “The Great Ticket Scandal”, in 2012; I have also referred to that in the House countless times. That programme clearly showed how tickets were being bought up and resold in huge quantities—indeed, channelled directly but surreptitiously to the secondary market by promoters and managers. The response that I received from HMRC was that no investigation could be made unless there were specific questions about specific individuals or businesses. Of course, we did not have those then and we do not have them now, precisely because we cannot see which individuals or businesses are selling the tickets and in what quantities. If that transparency is brought into the market through the proposed new clause, perhaps the Treasury’s coffers will see a much bigger slice of a market that is estimated to be worth between £1 billion and £1.5 billion a year—that is the secondary market alone and does not include the primary market.
The same principle could be applied to the problem of botnets, which GET ME IN! has been saying is the biggest problem and should be the focus of any legislation. There is certainly a case for keeping the law on the misuse of computers under review. The hon. Member for Hove and I have met the Under-Secretary of State for the Home Department, the hon. Member for Staffordshire Moorlands (Karen Bradley), who has responsibility for organised crime, to discuss this matter.
It is welcome that primary ticketing companies, such as GET ME IN!’s parent company Ticketmaster, invest in their own software to try to stop people scooping up large quantities of tickets automatically. However, let us be clear that touts use botnets only because they know that they can shift all the tickets they manage to buy from the primary market through the secondary market with the benefit of complete anonymity, with no questions asked by the platforms about how they got them. The secondary platforms are best placed to detect ticket crime at the moment, but they do nothing, because that is to their benefit. If we make the market transparent, it will be clear for everyone to see who has an abnormally large number of tickets, and I bet that the use of botnets would drop off sharply as a result.
This entire debate boils down to a simple divide: it is about whose side we are on as legislators. Are we here to pass laws to protect and enhance the rights of ordinary consumers, or are we here to block laws that might make individuals and companies more open and accountable to those consumers? It is about whose interests we are here to serve. Are we here to serve those who elect us, or are we here to be spin doctors for those exploiting them and apologists for those who know full well that they are lucky to be getting away with what they are doing? It is about whose opinions we value most highly. Do we listen to our constituents, the police and those in the live events sector, who all tell us that there is a problem and a gap in the law that needs to be closed, or do we listen to the few who benefit from that gap in the law? I know whose side I would rather be on, whose interests I am here to serve and whose opinions I value most.
Nobody operating honestly in the secondary market has anything to fear from transparency, and no consumer will be left out of pocket. If anything, the secondary platforms should be embracing the opportunity to build confidence in their sector and limit their exposure to criminal activity. I hope that Members of all parties will think on those points when they go through the Division Lobby later tonight; I am minded that the amendment will have to be pressed to a Division. Let us finally do the right thing and put fans first.
I thank the hon. Lady for her intervention. I appreciate that her intention might not be to force people to use their names, but unfortunately that is what the Lords amendment says. Many organisations would wish to cancel tickets if they knew exactly which tickets were being resold, and that would not be in consumers’ interests.
The amendment could result in the cancelling of tickets and potential ID theft, which would have the common impact of incentivising the movement of sales to other, less secure websites, perhaps overseas, or to the street touts of whom people already have experience. Having more safety in online marketplaces that behave more responsibly has to be better than pushing things on to foreign, unregulated websites or insecure websites. We want to make sure that consumers are protected. The touts we see outside venues do not offer that protection—not even close to it.
The Minister says that the amendment is too prescriptive. Does she not recognise that the internet spivs who use these botnets are rigging the market and putting up prices for consumers? What is she going to do about these internet spivs who are harvesting tickets against the interests of consumers?
I will come to enforcement, because I accept that there are issues that need to be looked at, but I want to complete my explanation of the difficulties with amendment 12.
There is a real risk that introducing these additional, more stringent information requirements would go beyond the provisions set out in the consumer rights directive, which EU law does not allow us to do. Compliance with EU law might be further harmed in relation to the technical standards and regulations directive. To comply with that directive, the amendment would have to be notified to the Commission at least three months before the Bill was due to finish its passage through Parliament, meaning that it remained in draft form during that standstill period. We have clearly run out of time for such steps to be taken now. The consequence, which I know the proposers of the amendment would not want, is that amendment 12 could end up being unenforceable if it were passed in its current form.
(10 years ago)
Commons ChamberT4. Tickets for the 2015 rugby world cup are going for eye-watering amounts on the secondary market. The official top price for England-Wales tickets is £315, but viagogo is selling them today at £1,136. What actions are the Government taking to stop fans being ripped off on the secondary market for the rugby world cup?
I am aware of those concerns, but I am very confident, having met Ticketmaster and seen its 10-point plan, that the tickets will get into the hands of rugby fans. I am sure that the event will be a great success and I ask the hon. Gentleman to take note of the fact that successive Governments and Select Committees have said that regulation should be a last resort.
(10 years, 4 months ago)
Commons ChamberYes, I give my hon. Friend that assurance and tell him that we hope before the summer recess to agree a growth deal with the Lancashire local enterprise partnership, centring on the arc of prosperity it has identified alongside Lancashire’s huge strengths in energy, manufacturing and engineering.
On support for regional growth, when will the financing be agreed for the electrification of the south Wales valleys train lines?
I shall certainly raise that with my colleagues in the Department for Transport. I do not have the date to hand, but I hope that the hon. Gentleman will welcome that investment.
We wrote to the Low Pay Commission on its remit for next year. One of the things we have asked it to look at is the apprenticeship rate for the national minimum wage. We are aware that there are a lot of concerns, particularly about non-compliance in paying the national minimum wage for apprentices. The system is quite complex and often employers find it difficult to navigate. We have asked the Low Pay Commission to work out how the system could be simplified to ensure better compliance by employers.
A recent Which? investigation found that ticketing companies can add up to 37% to the face value of a ticket for music and theatre events in booking and delivery fees. Given that the market is dominated by a handful of big players, is the Minister confident that consumers are getting a good deal?
We have done a lot of work on ticketing. As I am sure the hon. Gentleman is aware, we discussed this issue a number of times during the passage of the Consumer Rights Bill. The Department has been working with the Department for Culture, Media and Sport to look at the issue and a number of things are being done to try to tackle ticket touting, while trying to ensure that we still have a vibrant market so that individuals who buy tickets and want to resell them because they cannot attend an event are able to do so fairly and openly.
(11 years, 3 months ago)
Commons ChamberFirst, I should explain that the Minister for Universities and Science, my right hon. Friend the Member for Havant (Mr Willetts), who might have answered this question, is currently at Chequers for a Cabinet away day. My hon. Friend the Member for Colchester (Sir Bob Russell) is an assiduous defender of his constituents, their companies and their jobs. He has discussed this matter with me, and I have pursued it. It is not the case that Britain is more difficult than the United States when it comes to clearing export licences, but I have none the less established that we should dispense with some procedures relating to quarterly reporting, and we will do so. We will also work with the company in question to try to establish whether an open general licence can operate in this case.
A survey by the Federation of Small Businesses has found that only one in five of its members uses UKTI services. What steps will the Secretary of State take to encourage UKTI to work more closely with small businesses?
(11 years, 7 months ago)
Commons ChamberMy hon. and learned Friend is absolutely right. We believe that the employment allowance measure, on its own, will ensure that more than 400,000 SMEs no longer have to pay employers’ national insurance contributions, which is the boost they need.
19. Which measures in the Government’s growth plan his Department has not yet implemented; and if he will make a statement.
Yesterday, the Government published a progress report on implementation of the plan for growth and the autumn statement 2011. All measures are being implemented and almost two thirds of the measures are now complete—up from a quarter at Budget last year. We are on track for delivery.
The Government have announced the electrification of the Ebbw Vale to Cardiff line, but in advance of that we need to redouble the line to improve train frequency. Will the Government work with the Welsh Government to ensure that the finance for this shovel-ready project is delivered before the next election?
I am delighted to hear an acknowledgement that after many decades of decline in the railway system we now have a major investment in railways and a rail revolution taking place. The hon. Gentleman raises a specific point that I am happy to follow up with the Welsh Government.
I welcome my hon. Friend’s welcome for the important new review that Andrew Witty will be carrying out and, yes, of course I look forward to visiting the university of Worcester. I have not visited it for several years, but I believe that I shall be there in June, and I look forward to that.
T5. May I press the Minister on payday lenders? Will the Government really get those companies to make it much easier for consumers to understand the cost of those awful payday loans?
The short answer is yes. The hon. Gentleman is quite right to say that consumer awareness is vital. Some of the people who take out such loans would be much better off with an entirely different financial product. That is why advertising is such an important element in tackling the issue. The Government are working with the Advertising Standards Authority and we will also work with the Financial Conduct Authority, which will take over those powers from next year, to ensure that we clamp down on advertising that misleads people and lures them into taking out products that are not right for them.