Business of the House

Patricia Gibson Excerpts

Thursday 27th January 2022 Commons Chamber

[Mr Rees-Mogg]

The hon. Lady knows how the parliamentary system works extremely well. It seems to me that she is doing exactly the right thing in terms of raising this issue. She has raised it directly with the Secretary of State and she has now raised it with me. I have a feeling that she might be bobbing at Prime Minister’s questions in the not-too-distant future. There are also Adjournment debates, urgent questions and the Backbench Business Committee. I encourage her in that, because one of the real glories of our democracy is that, through using this Chamber, we can get policy changed. I know my role is to defend Government policy whatever it happens to be, but that vibrant democracy that gets things done, because MPs are standing up seeking redress of grievance for their constituents, is, I think, the life blood of how our constitution works.

[Patricia Gibson (North Ayrshire and Arran) (SNP)]

Research from consumer champion Which? shows that an estimated 2.5 million households missed or defaulted on at least one mortgage, rent, loan or credit card bill this month, marking a significant increase from last year, with missed payments highest among those on lower incomes. Will the Leader of the House make a statement on what his Government will do to make sure that there is sufficient support for those in financial distress, and will he set out what urgent measures he will put in place to help prevent spiralling household debt?

[Mr Rees-Mogg]

The hon. Lady raises something of great and widespread importance, as she so often does. There are two things to say. One is about the general approach of the Government to try to improve people’s standard of living, and some of those that I have mentioned before, such as raising the national living wage and cutting the universal credit taper, so that people have more money in their pockets to better afford their bills. Having a record level of payroll employment is also a crucial part of it. So, there is the broad economic argument, but then there are the individuals who face a bill that they cannot pay. They probably need support immediately and urgently. There are a number of people who give that support in each of our constituencies. Sometimes it is simply about getting that support to reschedule payments to avoid massive interest payments that ratchet up and up. Therefore, it is the broad, top-down economic policymaking, which the Government are doing, and then there is the support that we, as individual MPs with the services available in our constituencies, can give to individuals when they have specific problems.