Rural Upper-tier Local Authorities

Debate between Rachel Gilmour and Caroline Voaden

Wednesday 2nd September 2026 Westminster Hall

[Caroline Voaden]

I absolutely agree. It makes no sense to any of us in Devon. I have spent the entire summer listening to constituents who are deeply distressed about what has happened, which leaves them in a rump rural local authority with no option for economic growth or regeneration.

[Rachel Gilmour (Tiverton and Minehead) (LD)]

As a part-Devon Member of Parliament—the other part of my constituency is in Somerset—I entirely agree with what my hon. Friend is saying. The part of my constituency in Devon is 800 square miles and will form just part of an enormous rural authority. Does she agree that that authority does not have the fiscal power to sustain itself?

Face-to-Face Banking: Rural Areas

Debate between Rachel Gilmour and Caroline Voaden

Tuesday 1st September 2026 Westminster Hall

[Caroline Voaden]

I will come on to the legislation passed by the previous Conservative Government in just a minute.

In rural areas, poor internet, non-existent public transport and a higher proportion of elderly residents who are less likely to manage their money online mean that losing the local bank can have a huge impact. The wipe-out in rural areas is mind boggling. A staggering 86% of people in rural areas have seen their closest bank branch—which 10 years ago was within a mile—close. For them, there is no alternative bank to switch to. As banks have closed, the impact of losing access to banking services has been disproportionately felt by those in rural areas, who simply cannot go to another bank in town. Instead, they are left navigating sporadic or non-existent public transport, having to set aside half a day for the outing just to visit the bank. It can be a major mission in a community that is poorly serviced.

[Rachel Gilmour (Tiverton and Minehead) (LD)]

Like my hon. Friend’s constituency, mine is large at 1,250 square miles and the population is elderly. The No. 25 bus runs every two and half hours. If a constituent needs to bank in Taunton, it takes five hours to get there and back. Does she agree that increasing face-to-face banking services, particularly in enormous constituencies such as mine, is crucial?

[Caroline Voaden]

I could not agree more. We are facing a perfect storm of decimated public transport; appalling digital connectivity that must be addressed, as we repeatedly say in this place; and closure of banking services. Those three make a toxic combination.

Consumers and small businesses are frustrated with the service they are left with, as is the case in Totnes in my constituency. In September last year, Lloyds announced it was closing the final bank in town, leaving residents without access to banking services beyond a couple of free ATMs and the post office. It seemed obvious to me that, when Lloyds closed its doors, the remaining banking services in the town would be insufficient and that it would get a banking hub. We have a thriving market once a week, where many people use cash. We have 120 independent high street businesses, an older than average population, very poor digital connectivity and poor public transport to other towns. Not only does the town have 13,500 residents, but thousands more people in surrounding villages use it for banking.

The cash access request that I submitted to Link was turned down. I appealed but, to my huge disappointment, Link upheld its original decision, despite my meeting officials from the Treasury and raising the matter with the Prime Minister.