Social Security

Debate between Pete Wishart and Wendy Chamberlain

Tuesday 10th September 2024 Commons Chamber

[Wendy Chamberlain]

Obviously, difficult decisions were made during the coalition. The Government are saying today that one of the things they are doing is continuing the triple lock. One reason why the Liberal Democrats supported and brought that move in during the coalition Government, and one reason why we continue to support it, is that still not enough has been done to best support our vulnerable pensioners.

[Pete Wishart (Perth and Kinross-shire) (SNP)]

I am sure the hon. Lady will acknowledge that Scotland has the coldest climate in the whole United Kingdom. We will be disproportionately hit. It is absurd that that will happen in energy-rich Scotland. Will she appeal to all Scottish Members to ensure their support tonight? Constituents right across Scotland will be watching carefully how Scottish Members of Parliament vote tonight, so will she encourage them to vote with us this evening?

[Wendy Chamberlain]

We all know that geographical disparities exist. There are differences in how cold parts of the country are. Different communities face differing energy costs and rates and have different means of fuel. We will be supporting the official Opposition’s motion tonight and I hope other MPs across the House do so.

Age UK has drawn attention to low take-up rates for pension credit. Around 1 million pensioners would be eligible for pension credit but do not claim it, often due to a lack of awareness. Since the Chancellor’s announcement, we have seen lots from the Government about how they are going to increase the uptake. Reports do suggest an increase in applications, but also that the wait times for that are increasing. If people are applying for pension credit and get it confirmed only after the date on which the winter fuel payment is made, will those people be caught up with?

An awareness drive is all well and good. The DWP has stated that its calculations assume an increase in the uptake of pension credit. That will still leave more than 700,000 eligible pensioners not getting pension credit, and therefore not getting winter fuel payments. Those of us in the last Parliament will remember numerous drop-ins and “dear colleagues” to outline the steps that the then Government were taking to encourage the uptake of pension credit, and what MPs could do. I remember writing regularly in my local newspaper column to outline how people could apply, but in reality the number of people taking up pension credit is stubbornly stuck at a ceiling of 70%. I would be interested to know what the Government are going to do that will be radically different in order to increase that figure.

The Government’s rationale is that an estimated £1.4 billion will be saved by means-testing the winter fuel payment, but have they made an assessment of what that saving would be if they fulfil that other stated aim of ensuring that all those eligible for pension credit claim it? Is there not a fundamental contradiction at the heart of this measure? How can the Government aim to boost pension credit on the one hand, while aiming to maximise the fiscal savings they are making through this cut? What will it cost to increase the take-up rate, and can the Secretary of State give an assurance that the Treasury will give its full support to any measures aimed at boosting the uptake of pension credit?

A separate but related issue is that of the cliff edge. Analysis by Policy in Practice shows that around 130,000 elderly people miss out on pension credit, as they are just £500 over the income threshold to claim the benefit. We know that those vulnerable elderly people will now be cut off from winter fuel payments with just a few months’ notice. That leaves me feeling that there is cruelty at the heart of this cut. Those vulnerable pensioners, who have spent years struggling under a Conservative cost of living crisis, are now faced with a double hit: an increase in the energy price cap from 1 October, alongside being stripped of those winter fuel payments.

It is important that we do not forget that energy costs are much increased from a few years ago, so arguably a winter fuel payment is needed more than ever. This House has an opportunity today to do the right thing and protect those vulnerable members of our society. The Liberal Democrats will support the official Opposition motion and oppose the move to strip pensioners of that support. I hope other Members will do the same.

Access to Cash in Scotland

Debate between Pete Wishart and Wendy Chamberlain

Thursday 14th July 2022 Westminster Hall

[Pete Wishart]

I am grateful to the right hon. Gentleman. He and I are the “Faithers of the Hoose”, given that we were both elected in 2001. [Interruption.] I know that he signed in before me, but I still claim that I was elected before him—we will fight that one out at some point in the future.

The right hon. Gentleman is absolutely right. I think we are all concerned about the intervening period and what happens now to the legislation being introduced. There are several things that I believe the Government could do. A “cease and desist” instruction could be enacted to tell banks very clearly that there is an expectation that no branches should be closed in the period between now and the legislation being introduced. The Government could make it retrospective and say that the clear intention of the legislation is that there should be no branches closed until the Bill has been considered. Again, this is something that could be done in advance of the legislation being introduced. It is really a matter for the Government, but I think the Minister is hearing very clearly.

Looking around the Chamber, most of us represent rural or semi-rural constituencies, and we have this very clear problem. We remain greatly concerned about what happens now. The right hon. Gentleman is right to say that there now seems to be a rush to close branches ahead of the legislation coming in. It is almost perverse that the banks would choose to do so, knowing that we are coming to some sort of solution about how this matter could be taken forward. I really hope that something can be done in the intervening weeks and months.

[Wendy Chamberlain (North East Fife) (LD)]

It is a pleasure to serve on the Scottish Affairs Committee with the Chair and the hon. Member for Moray (Douglas Ross). I too have had a number of bank branch closures in my constituency. What came through very strongly when we were hearing about the Post Office is that the banks often offload their responsibilities on to post offices, but we are seeing closures of them across our constituencies as well. I have certainly seen that in North East Fife. Although I welcome the hubs, does the Chair agree with me that there is a risk that banks’ overreliance on the Post Office to deliver access-to-cash services prevents it from delivering the wider services that it provides to our communities?

[Pete Wishart]

I am grateful to the hon. Lady, who is an assiduous member of the Scottish Affairs Committee and who makes very valuable contributions to our reports and inquiries. She is right to suggest that the banks may look at the Post Office as a convenient get-out clause from their responsibilities, and there is no doubt whatsoever that the Post Office has offered a substantial and significant resource when it comes to banking services.

The hon. Lady mentions hubs. I should have said to the right hon. Member for Orkney and Shetland (Mr Carmichael) that the Committee found that banking hubs are the way forward. We saw a couple of the experiments that have been carried out in the past few years—particularly Cambuslang bank hub, which people are finding useful. What we are looking at is an arrangement where there are joint services—

Oral Answers to Questions

Debate between Pete Wishart and Wendy Chamberlain

Thursday 19th March 2020 Commons Chamber

[Pete Wishart]

I thoroughly agree with the hon. Lady. I think that all Members of the House will now know the value of being able to keep in contact with constituents through video conferencing and other remote methods. All I can say is that the PDS digital support desk will continue to offer a 24-hour-a-day service. Undoubtedly there will be delays due to the volume of calls from people working remotely, but the team will make a real effort to deal with all calls as soon as they possibly can. As I said in my original answer, the PDS team want to ensure that as much facility and resource as possible is given to hon. Members, and I am sure that they will be working to secure and achieve that.

[Wendy Chamberlain (North East Fife) (LD)]

I meet a variety of organisations at Westminster, and would now like to do this remotely. However, the Skype system to which the Commissioner has referred only supports connections to those with parliamentary accounts. This helps me to link with my team, but will the Parliamentary Digital Service consider making Skype accessible to those outwith the parliamentary network? As a new MP, I also have new staff joining my team. What are the learning and development team doing to offer critical training for new starters—for example, on the Department for Work and Pensions, and so on? Will there be opportunities for those training sessions to be available remotely, as opposed to face-to-face as they have been up to now?

[Pete Wishart]

Every effort will be made to ensure that people are connected, and all facilities will be used to keep Members of Parliament in contact with their constituents. The PDS support desk is looking at the very issues mentioned by the hon. Lady, and hopefully progress will be made on all that. I think that the lesson here—this seems to be required from all Members—is ensuring that we can work remotely, that all our staff are as connected as possible, and that we continue to provide a level of service that we feel is commensurate with our roles as Members of Parliament. I am pretty certain that all Members will be providing that service in the weeks to come.