(2 years, 2 months ago)
Commons ChamberThe hon. Gentleman is now using the past tense. A moment ago, he claimed that it was under threat. He clearly has no issues with giving false information in this House. The truth is that, if Wakefield wants a better future, as everyone in Wakefield deserves, only one by-election candidate can provide that, and that is Nadeem Ahmed.
We intend to go much further to build a truly 21st-century offer in primary care. That includes Dr Claire Fuller’s independent review, which I found to be extremely valuable, and the changes that will stem from that as well as the many others that we will bring forward shortly. We will work with the population and the profession alike. The hon. Gentleman was right to focus on the importance of the profession, but he did forget to mention, as I referred to earlier, that since March 2019 we have more than 2,380 additional GPs in primary care, record numbers of doctors in training and more than 18,000 additional primary care professionals.
Let me turn briefly to the important steps we are taking in dentistry. Urgent care has been back at pre-pandemic levels since December 2020, and the 700 centres for urgent care that we set up to provide treatment for patients during this difficult period have helped thousands of patients across the country. At the start of this year we put an additional £50 million into NHS dental services, which boosted dental capacity by creating 350,000 extra appointments. Dentists are currently required to deliver 95% of pre-covid activity, and we are planning to return to 100% shortly. I commend all the dentists who are already achieving that.
The Secretary of State referred to an additional £50 million. As he knows, the way in which that was framed made it difficult for dentists to draw down the money. Will he tell the House how much of it has been drawn down and used?
I do not have the exact figures to hand, but I know that millions of pounds were drawn down and used to deliver tens of thousands of appointments across the country. That made a huge difference to a great many people.
(2 years, 9 months ago)
Commons ChamberI know that the hon. Gentleman sees it as his job always to be negative about the Government, although on the vaccination programme he and his colleagues have so far been very co-operative across the House. We should not talk down our world-successful vaccination programme, because we have delivered more than 15 million booster vaccines across the UK to 26% of the population over the age of 12—the most successful booster vaccination programme in the whole of Europe.
(3 years, 1 month ago)
Commons ChamberMy hon. Friend makes an important point. I hope that he noted my comment that, precisely for the reasons he set out, given the high rate of vaccination, we are taking a fresh look at the app. I have asked for advice—and have just started to receive some of it—about how we can take a more proportionate and balanced approach.
It is clearly right to take further steps towards unlocking, but it is not the all-or-nothing choice that the Secretary of State has suggested and vaccines are not the only tool available. The wearing of masks in enclosed spaces reduces infection and therefore hospitalisations and deaths. It is supported by health experts and backed by the public. The reasons why the wearing of masks was made mandatory remain the same as when the Government recommended it all those months ago. With hospitalisations up 34% on a week ago, will the Secretary of State not put public health before the pressure from his more vocal Back Benchers and retain mandatory mask wearing for public transport and other enclosed spaces?
I agree with the hon. Gentleman that it is not all or nothing, which is why the Government have been very clear that as we start opening up other measures will rightfully stay in place—I mentioned earlier the border controls, the test and trace system and the plan for booster vaccines. I hope that he would welcome that.
(3 years, 1 month ago)
Commons ChamberMy right hon. Friend asks an important question and we are still considering what more we can do to give more confidence to the immunosuppressed, and we will be saying more on this shortly.
Until recently, Ministers were saying that decisions would be based on the link between infection and hospitalisation, but although the link has been weakened, it has not been broken. Hospitalisations are up 20% in the last week, and they have doubled in a month. We all want to unlock the economy, but surely we should maintain barriers to infection where we can. The Secretary of State has said that wearing masks would be a good thing, so will he accept that requiring them on public transport, in essential shops and in similar locations would make sense and would reassure people?
(3 years, 2 months ago)
Commons ChamberI absolutely agree with my right hon. Friend. This is a such a crucial point and it is one that I referred to earlier. Of course, cases are not unimportant, but because we now have the vaccine, thankfully, and in this country in particular so many people are getting vaccinated—of course, we want to see more and more people coming forward, but the take-up is excellent, especially compared with other countries—it is the vaccine that is going to break the link between case numbers and hospitalisation. As I said, we are absolutely starting to see that. The indications are very, very positive on this, and I hope that is the kind of news that my right hon. Friend will welcome.
The Home Office recently updated its visa guidance to say that new international students and those returning to the UK must be here by 27 September or lose their post- study work rights. Around one fifth of our international students are from red list countries. Their arrival risks a surge in demand that will overwhelm the hotel quarantine system. Universities UK, the Confederation of British Industry and others have written to Ministers urging flexibility on visa rules to enable blended learning to continue with phased entry to the UK, so will the Secretary of State urgently meet his successor as Home Secretary to seek this change?
I was not aware of this issue. I am glad that the hon. Gentleman has brought it to my attention, and I will certainly raise it with my right hon. Friend the Home Secretary.
(5 years, 6 months ago)
Commons ChamberUrgent Questions are proposed each morning by backbench MPs, and up to two may be selected each day by the Speaker. Chosen Urgent Questions are announced 30 minutes before Parliament sits each day.
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The exceptional payments scheme has started to pay out, and decisions are being made. We will be announcing more details of the compensation scheme shortly.
The Home Secretary will have heard Members expressing their very real concern about the status of those who are due to be deported this week. Will he therefore personally review the documentation and circumstances of each of those individuals before any deportation takes place?
(5 years, 8 months ago)
Commons ChamberThe hon. Lady is right to raise the issue of regional differences. The system will take account of that in various ways. One example specific to Wales is a commitment in the White Paper to look at a shortage occupation list for Wales.
The Home Secretary owes my hon. Friend the Member for Bristol West (Thangam Debbonaire) an apology for the way in which he brushed aside her question. He made no reference to refugees in his statement. I have now had an opportunity to scan the relevant section of the White Paper, and it is peppered with words such as “maintain,” “continue” and “no change.” If my hon. Friend is wrong, will the Home Secretary spell out exactly how this White Paper proposes to improve the way we receive and treat refugees?
The White Paper is a result of the referendum result, which means no to freedom of movement.
If the hon. Gentleman gives me a chance, I will answer his question. The vote to leave means that we will have a new immigration system. The Government commissioned work from the Migration Advisory Committee to consider what the system should look like, by removing freedom of movement, and how we will get the skills we need. It is very focused on skills; it is not focused on the issue of refugees and any changes. Nor do we have to wait for any changes that may or may not be made in terms of refugees. For example, there have been a number of changes in recent months and years on unaccompanied children and other cases, such as the Syrian White Helmets. Such decisions do not have to wait for a new immigration system. We are perfectly capable of making those decisions now under the current system.
(6 years, 2 months ago)
Commons ChamberI welcome the right hon. Gentleman’s support for the Bill. As he will understand, we want to restrict sales of these items in order to prevent them from falling into the wrong hands, but he has made an interesting point about those who may feel that they are under some threat, particularly from the kind of people who would try to buy knives of this type in the first place. If he will allow me, I will go away and think a bit more about what he has said.
Sheffield, like other cities, is deeply affected by a rise in knife crime, and I strongly support the Bill’s objectives in that regard. However, our city is also famous for knife manufacturing, and a number of local companies have expressed concern to me about the blanket prohibition of sales to residential addresses, which they fear could have unintended consequences. As the Bill progresses, will the Home Secretary consider alternative ways of achieving its objectives—for example, an online knife dealers’ scheme that would be mandatory for all distance selling, with age verification standards set by the International Organisation for Standardisation?
I understand the hon. Gentleman’s point, but, as he will know, before we settled on any of these measures—particularly the one dealing with knives—there was an extensive consultation involving many people, including manufacturers from the great city of Sheffield and other parts of the UK. I hope it is of some reassurance to the hon. Gentleman that, while it is true that deliveries to solely residential addresses will be prohibited, deliveries to businesses operating from residences will not. There are some other defences which I think will help with the issue that he has raised. For example, the prohibition will not apply to table knives, knives to be used for sporting purposes, knives to be used for re-enactment purposes, or hand-made knives. I hope that that indicates to the hon. Gentleman that we have thought carefully about the issue, but if he has any other suggestions, he should write to me and I will consider them.
(6 years, 2 months ago)
Commons ChamberFirst, it is worth reminding the House that there is no cap on the number of students who can come into the country. I know that the hon. Gentleman knows that, but it is not well known more widely. I do think that this issue is important, and that is why I have committed to take a look at it in due course.
We are investing record amounts in affordable housing. Since 2010, more than 310,000 units have been created throughout the country. If the hon. Gentleman wants to know what failure on affordable housing looks like, he need only look at the previous Labour Government, who saw a fall of 410,000 units in social housing for rent.
(8 years, 8 months ago)
Commons ChamberIf the Government do decide to change the caps on tuition fees, there will, of course, be a debate in this House.
Does the Secretary of State agree that retrospectively changing the terms of a contract is, in effect, mis-selling? Will he guarantee that in this Parliament there will be no further changes to either thresholds or interest rates?
The changes in question are entirely lawful. That is the advice that I received and it is perfectly consistent with the aims. Hon. Members should remember that the loans that are provided are on significantly better terms than those that are available commercially, and they achieve the objective of allowing all those who wish to go to university and who have the ability to do so.
(10 years, 7 months ago)
Westminster HallWestminster Hall is an alternative Chamber for MPs to hold debates, named after the adjoining Westminster Hall.
Each debate is chaired by an MP from the Panel of Chairs, rather than the Speaker or Deputy Speaker. A Government Minister will give the final speech, and no votes may be called on the debate topic.
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I am a little bit concerned by how the Minister is counterpoising money advice and debt advice. I think that all hon. Members in the Chamber would agree that money advice is important, although there are questions about how MAS delivers it, but that does not overshadow the need for effective debt advice. Given all the contributions that have been made and all the evidence there is, does he agree that the demand for debt advice is growing?
I agree that demand seems to be growing, and evidence on that is emerging. It might help the hon. Gentleman if I move on to how MAS determines its budgets for money advice and debt advice, and how it has to take demand into account.
As my hon. Friend will find out, I am coming on to how MAS determines its budget. As we all would hope and expect, the budget is based on demand. More generally, MAS has a statutory responsibility to consult on its budget for the forthcoming year. Right now, MAS is consulting on its budget for 2014-15. This debate, the Business, Innovation and Skills Committee report and the information from stakeholders, which we have heard about today, are important in providing MAS with the information it needs to develop its budget for the future. That makes a big contribution to how MAS decides the correct allocation of resources for forthcoming years.
MAS’s budget is based on what it needs to achieve its statutory objectives. Although it is right that payday lenders contribute to that funding, it is also right that the funding is based on demand and that it delivers value for money. In the year ahead, MAS’s budget for debt advice will be based on its assessment of demand for such advice. MAS must consult on its plans for providing debt advice each year, which must then be approved by the FCA.
The National Audit Office recently commended MAS for delivering value for money in its debt advice provision. As we have heard, MAS is also carrying out ongoing research to ensure that the debt advice it funds has the best impact on consumers and that it reaches those who need it most. MAS recently conducted an in-depth study of where in the UK debt advice is needed most. The study shows that 21% of over-indebted people do not even recognise that they are in debt and that 44% of people who are in debt are not aware of the solutions available to them. It is important that MAS reaches such people and engages with them successfully to give them the help that they need. MAS will use the report to inform how it funds debt advice, thereby ensuring that it targets those who need it most. It is important to note that more money does not necessarily mean better provision.
I accept that more money does not necessarily mean better provision, but the Minister has acknowledged that there is increased demand and that that increased demand is only the tip of the iceberg. He will also know that many of those delivering services on the ground have been hard pressed because of the reduction in other resources, especially those available through local authority funding. In many parts of the country, citizens advice bureaux are trying very hard to reorganise provision. In my own city of Sheffield, there is a comprehensive reorganisation to deliver value for money and ensure that the challenge can be met. Nevertheless, given the escalating demand for debt advice, which he has acknowledged, would he not also acknowledge that there is now an opportunity, which should be addressed, for that increased demand to be matched with additional resources?
Where there is emerging evidence of increased demand, I would expect MAS to respond. I am looking for the actual numbers, but off the top of my head, in 2012-13, the most recent financial year, MAS planned for 150,000 face-to-face debt advice sessions, but provided 158,000 sessions. The trend increased in the first six months of this financial year.
(10 years, 8 months ago)
Commons ChamberLike my hon. Friend the Member for Makerfield (Yvonne Fovargue), I rise to speak on amendment 155. The Minister has acknowledged that data collection is at the heart of effective regulation. Like many Members on both sides of the House, I welcome the Government’s conversion to capping the total cost of credit, but we need to recognise that it is not a silver bullet.
When I was fortunate enough to have the opportunity, through the private Member’s Bill ballot system, to prepare the High Cost Credit Bill back in July, I brought together Members from both sides of the House—I am pleased to see that one of them, the hon. Member for East Hampshire (Damian Hinds), is in his place—and all the major consumer voice and debt advice organisations, such as Which?, Citizens Advice, StepChange and the Centre for Responsible Credit, to try to develop a holistic approach to the regulation of payday lenders, with appropriate interventions at every stage of the relationship that lenders have with their borrowers from advertising right through to debt collection. At many points in that relationship, the issue of real-time data collection is absolutely vital to tackle multiple lending. We know that multiple lending is the source of many of the problems that people face. Unable to repay one loan, they are forced to resort to taking out additional loans, moving from a single unaffordable debt to multiple loans, creating completely unmanageable debt.
As my hon. Friend the Member for Makerfield has pointed out, the current reporting framework for credit reference agencies of 30 to 60 days simply cannot protect people from the problems that result from multiple lending. Only real-time data collection can effectively do that.
Secondly, we have the impact on the market. As part of the debate on payday lending, many people have argued that we cannot solve the problems by regulation alone and that we need a wider range of more affordable products. That is absolutely right, and real-time data are key to that too, because they will enable lenders to assess risk.
At a recent hearing of the Business, Innovation and Skills Committee, one of the lenders selected by the Consumer Finance Association as a representative of the industry said:
“We do not know in real-time what loans the customer has with other lenders.”
He said that they would
“love to know that information.”
It is impossible for lenders properly to evaluate risk, set interest at manageable levels and develop new products. As other Members have said, the opportunity that real-time data would provide for new entrants to the market is also crucial.
Above all, real-time data are essential to ensuring affordability, which is at the heart of the measures needed to protect people. The industry works in a distorted market. We know that: success is measured by the time it takes to get money into somebody’s bank account, not by the ability to repay. It sounds perverse that many lenders are not primarily concerned about ability to repay. As the OFT has highlighted, up to 50% of payday lending revenue comes from 28% of loans—those that are unaffordable—so providing real-time data is at the core of shifting the business model for payday lending from speed of lending to affordability and is the key to protecting people from spiralling and unaffordable debt.
I mentioned the recent Select Committee inquiry, which will report soon. My hunch is that it will say something along the lines of the report we published two years ago—that real-time data collection is critical to transforming the payday lending industry. We have heard from a number of Members that debt advice agencies are clear that we need real-time data collection and sections of the industry also want it. As the shadow Minister, my hon. Friend the Member for Kilmarnock and Loudoun (Cathy Jamieson), has pointed out, the industry has been slow to respond. It has been considering the issue for two years and has failed to find a solution that all participants will buy into. As the industry has failed to produce an initiative, it is our responsibility to step in and secure real-time data collection.
I would cite in support of that assertion the response of the Financial Services Consumer Panel to the Financial Conduct Authority’s consultation on its proposals on payday lending. As Members will know, the Financial Services Consumer Panel is the statutory body that monitors how far the FCA fulfils its statutory objectives for consumers. It is a critical voice in this debate. The panel has said that
“better creditworthiness assessments must be underpinned by real-time data sharing capabilities.”
On affordability, it has stated:
“In order for this information to be available we believe the establishment of real-time data sharing is vital.”
It has also stated:
“In addition to limiting rollovers, the Panel also feels that real-time data sharing is essential in ensuring people do not end up with excessive numbers of loans at the same time.”
It goes on:
“The speed at which loans are granted is often cited as the reason for”
unaffordability and rollovers, and:
“Real-time data sharing would overcome this and should be something the FCA encourages…There are examples of other jurisdictions, such as Florida…where this has been achieved.”
Indeed, the Minister cited Florida as an example earlier.
The panel comes to the conclusion that it strongly calls for the establishment of real-time data sharing and I hope that the Government will listen to that.
With the leave of the House, Madam Deputy Speaker. I thank all hon. Members for their contributions. It has been a good debate and a number of important issues have been raised, so I want to take a few minutes to respond.
The shadow Minister, the hon. Member for Kilmarnock and Loudoun (Cathy Jamieson), started by making a number of points on the payments system regulator. One issue she raised was whether there could possibly be a gap before the payments system regulator came into full force. That is a reasonable question and of course we will do all we can to minimise that.
It is worth pointing out that although the Payments Council, to which my hon. Friend the Member for Chichester (Mr Tyrie) referred, has not always done a spectacular job as an industry body, particularly on cheques, it has recently put in place some useful innovations under the influence of the Government, such as the current account switching service. It is also developing a mobile phone database. We have been assured that such initiatives will continue and will not slow down because of the plans to set up a payments system regulator.
(11 years, 7 months ago)
Commons ChamberIt is not clear that tax credits are being used to supplement lower wages, but what I can say is that the Government have taken action to bring unsustainable levels of tax credit spending under control. It has already been reduced in respect of eligibility from nine out of 10 families with children to six out of 10. Our reforms are also making work pay. Universal credit will unify the current complex system of welfare and make sure it always pays for people to go into work. The withdrawal rate will aim to smooth that transition into work.
T7. Last Friday, the Bishop of Sheffield, the Bishop of Hallam and other faith community and civic leaders came together to launch a campaign for a fair deal for Sheffield. Will the Chancellor recognise their concern that the combined effect of his austerity programme with unevenly distributed cuts and benefit changes that hit the poorest hardest is having a disproportionate impact on our urban areas and our big cities? Will he listen to those concerns?