Cash Acceptance

Debate between Patricia Gibson and Martyn Day

Monday 20th March 2023 Westminster Hall

[Martyn Day]

I agree entirely with my hon. Friend’s good points. It appears to be something that concerns very many people. Research from Which? has shown that 82% of Scottish consumers are likely to keep cash in case electronic payments are down.

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

My hon. Friend is making a powerful case about the importance of having the choice to use cash. Does he agree that access to cash is fundamental to this debate? In order for people to have the choice to use cash, access to it is at the basis of all that we are seeking to do.

[Martyn Day]

Absolutely, and I will come to that later in my speech. I hope the Minister takes cognisance of that well-made point.

There are also those who have valid privacy concerns about electronic payments. In an age of technology, algorithms, digital footprints and cyber-crimes, it is understandable that some—perhaps many—of our constituents would prefer the financial privacy offered by cash transactions. Some constituents wrote to me in recent weeks to make that point. Many stated that they regard barriers to using cash as a violation of their right to privacy. Cash clearly remains an important and valued part of our transactional landscape. As such, the ability to access and use cash must be protected.

In their response to both petitions, the Government state:

“The Government does not intend to mandate cash acceptance.”

They say that they will instead make provisions through the Financial Services and Markets Bill to ensure reasonable access to infrastructure such as withdrawal and deposit facilities. Of course, the availability of such infrastructure is clearly a concern for consumers and businesses. In Scotland, 53% of bank branches have closed since 2015, and since 2018 some 20% of Scotland’s free-to-use ATMs have closed. In many communities, banks have withdrawn completely, often leaving the post offices as the last place in town to do basic banking.

Oral Answers to Questions

Debate between Patricia Gibson and Martyn Day

Wednesday 19th October 2022 Commons Chamber

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

11. What assessment he has made of the potential impact of the cost of living crisis on (a) the devolved budget, (b) Welsh households, and (c) businesses in Wales.

[Martyn Day (Linlithgow and East Falkirk) (SNP)]

15. What assessment he has made of the potential impact of the cost of living crisis on (a) the devolved budget, (b) Welsh households, and (c) businesses in Wales.

Petitions

Debate between Patricia Gibson and Martyn Day

Tuesday 20th July 2021 Commons Chamber

[Martyn Day (Linlithgow and East Falkirk) (SNP) [V]]

Eid Mubarak, Mr Deputy Speaker, to you and everyone.

I rise to present a petition on behalf of my constituents in relation to the experiences that many of them have had with the Financial Conduct Authority and their feeling that it is not entirely fit for purpose.

The petition states:

The petition of residents of the constituency of Linlithgow and East Falkirk,

Declares that the Financial Conduct Authority’s (FCA) efficacy in overseeing the UK’s financial markets has come under scrutiny; further that the FCA has repeatedly failed in its remit to protect financial markets and consumers; further that such failures have adversely affected consumers and the industry; and further that, despite Section 29 of the Financial Services Act 2021 stating that the FCA must carry out a public consultation on whether it should make general rules providing that authorised persons owe a duty of care to consumers, the FCA consultation is entitled “A new Consumer Duty”, which differs from a duty of care—the legal definition of which we believe is not accurately described in that consultation—and would still require consumers to be beholden to the FCA to take action on their behalf.

The petitioners therefore request that the House of Commons urge the Government to ensure the FCA meets the intention of Section 29 of the Financial Services Act 2021, which if enacted in its true spirit, will strengthen consumer protection and the safety of our financial system going forward by creating a right of private action.

And the petitioners remain, etc.

[P002679]

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

I rise to present a petition, which states:

The petition of residents of the constituency of North Ayrshire and Arran,

Declares that the current statistics on voter fraud show that it is incredibly rare and that this is no widespread problem across the UK, thus voter ID requirements are a solution in search of a problem; further that the only type of fraud that photographic voter IDs could prevent is voter impersonation, which is even more rare each year; further that this legislation has been described as draconian, archaic and anti-democratic, as it puts a qualification on the franchise; further that the real consequence of this legislation will be this Government suppressing voting among lower income, ethnic minority, and younger people, all of whom are less likely to vote for the party now in Government; further that, in contrast to this archaic Government, the SNP Government in Holyrood is focused on measures to extend the franchise and encourage turnout; further that the SNP has already introduced votes for 16 and 17-year-olds, refugees, and foreign nationals with leave to remain; and further that voting should be made as easy as possible with no barrier to contributing to democracy.

The petitioners therefore request that the House of Commons urge the Government to dismiss any plans to implement legislation that enforces voter IDs.

And the petitioners remain, etc.

[P002680]

Sale of Puppies

Debate between Patricia Gibson and Martyn Day

Monday 21st May 2018 Westminster Hall

[Martyn Day]

That point is not included in my speech, so I am grateful for the additional clarification.

Lucy’s law calls for an immediate ban on all commercial third-party sales of dogs. Commercial means sales as part of a business—for profit, not rescue. Third-party sellers are dealers; they have not bred the dogs themselves and they operate as middlemen between breeders and the buying public. Currently, the Pet Animals Act 1951 requires third-party sellers to be licensed as a pet shop, irrespective of the type of trading premises they sell from.

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

Does my hon. Friend agree that the problem with third- party sellers is that they create a fog around transparency and accountability? Does he also agree that banning third-party sellers would increase the financial gain for legitimate breeders and reassure dog owners of the legitimate provenance of their pets?

[Martyn Day]

Indeed, it would. What is the problem with third-party sales? The sale of puppies through commercial third-party dealers both sustains and is dependent upon the existence of puppy farms, where puppies are bred for maximum profit and with minimal regard for animal welfare. Currently, around 74 pet shop licences permit the sale of puppies in the UK, although very few high street pet shops sell puppies. But the third-party trade remains significant, with dealers operating from a diverse array of premises including private homes and puppy superstores. It is estimated that some 80,000 puppies may be sold by licensed third-party sellers each year. That legal, licensed puppy trade depends upon a fast transition through the point of sale. The incentives for a rapid turnover encourage purchasers to make impulsive decisions based upon an emotional response.

Puppies are sourced from breeding establishments in the UK and Europe—commonly, Wales, Ireland, Lithuania and Hungary—where output volume is often prioritised over welfare. That has a hugely detrimental impact upon the physical and mental wellbeing of the breeding dogs and their puppies, which are destined to become people’s family pets. The absence of any contract between breeders and the final owner helps to eliminate accountability, results in a dereliction of responsibility and provides no incentive for improvement.

The legitimate market for puppies bred in situations where welfare is a minor consideration contributes to the existence of establishments that fail to meet even the basic needs of abused breeding dogs such as Lucy. Overwhelming scientific research, together with evidence obtained from owners, conclusively demonstrates that this activity seriously harms animal welfare, through the trauma of transportation, the increased risk of exposure to disease, behavioural problems resulting from premature separation from the mother and lack of appropriate socialisation.

Puppies may be born with debilitating inherited diseases that are life limiting or require lifelong medication, and are at a high risk of catching life-threatening canine diseases, such as parvovirus. That often costs buyers hundreds of thousands of pounds in veterinary treatment. It is not uncommon for puppies to die within days or weeks. A sad litany of such examples was highlighted in the personal experiences of those who responded to and commented on Parliament’s digital engagement before this debate.

There are alternatives. My sister purchased her dog 14 years ago through a reputable breeder who had connections with the Kennel Club, and saw the mother in situation. The dog is very happy; it was at the Sunday family dinner last night and is doing well. Everybody needs that kind of family commitment.

Alcohol Harm

Debate between Patricia Gibson and Martyn Day

Thursday 2nd February 2017 Westminster Hall

[Patricia Gibson]

There is indeed a bigger picture. Laws do not necessarily change attitudes, but what they do over time is change a culture. They send out a clear signal. The point was made earlier that when people are out and using a car, they tend not to drink. They are more likely not to drink at all due to the reduction in the drink-driving limit. It has also been a great educator for people who are out drinking and not driving, but who might be driving the following day. They decide, “I had better not drink tonight, because I might still be over the limit tomorrow when I get in my car.” We know that many of the people who have been pulled over, had their blood alcohol level tested and been found to be over the drink-driving limit were simply not aware of it, because it was from the previous evening; they had not considered that they might still be over the limit.

[Martyn Day (Linlithgow and East Falkirk) (SNP)]

On that point, does my hon. Friend agree that the lower drink-driving limit has been particularly effective with younger drivers?

[Patricia Gibson]

Indeed. Our younger drivers are the most likely to be inexperienced. They are therefore not willing to risk it, after all the blood, sweat and tears to pass their test. The limit is helping to reduce the alcohol intake of young people for a whole variety of reasons.

Alcohol is killing too many people in our communities prematurely—I do not think anyone in the Chamber would dispute that. It is splitting up too many families. Its pervasive, insidious influence is the context in which too many of our children grow up. It is costing our NHS billions. It is exacerbating mental health challenges for too many people. It is rendering too many people economically inactive.

Alcoholism is a disease and, as with any disease, we need to find the cure. One silver bullet will not cure the disease. We need minimum unit pricing. We need all our high streets and neighbourhoods to look at how they can support and contribute to good health. There must be a presumption against an over-concentration of outlets selling alcohol, preying on our socially disadvantaged communities. All those things combined can make a difference, because they tackle price, availability and consumption. A serious problem and disease such as alcohol addiction or misuse requires a serious, bold solution. I urge the UK and Welsh Governments to look at the measures and the determination of the SNP Government in Scotland to tackle the issue head-on. It is one of the most serious health challenges of our time.

Oral Answers to Questions

Debate between Patricia Gibson and Martyn Day

Thursday 7th July 2016 Commons Chamber

[Martyn Day (Linlithgow and East Falkirk) (SNP)]

3. What assessment she has made of the potential effect of the UK leaving the EU on rural development programmes.

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

6. What assessment she has made of the potential effect of the UK leaving the EU on rural development programmes.