(1 year, 3 months ago)
Commons ChamberI welcome my right hon. and learned Friend to his role as Lord Chancellor. I have been listening very carefully to what he has said in relation to suggestions made in all quarters of this House. My hon. Friend the Member for Bolsover (Mark Fletcher) recently proposed an excellent ten-minute rule Bill calling for tougher rules on the ability of sex offenders to change their names. Does my right hon. and learned Friend agree that the Victims and Prisoners Bill is a perfect opportunity to bring in tougher rules, and that they should apply not only to changes of name but to changes of legal sex?
There is real and clear merit in what my right hon. Friend says. Plainly, we cannot have a situation in which people can, at the stroke of a pen, evade liability for their abhorrent crimes. I look forward to discussing that important matter with him and my hon. Friend the Member for Bolsover (Mark Fletcher) in due course.
(5 years, 5 months ago)
Commons ChamberI take this opportunity to pay tribute to those staff—the people who maintain the courts and the people who provide the security—who do a very important job. We are absolutely clear that this is a Government policy across the board and that everybody, regardless of whether they are in the private sector or the public sector, is obliged to pay the national living wage.
Although our real-terms spending on the prison estate has increased, we continue to drive efficiencies through to make sure that we can put as much money as possible into keeping our prisons safe, decent and secure. The best way of driving down costs is through technology, particularly video conferencing, which reduces the costs involved in moving people to and from courts; facial recognition technology, which has begun to deal with queues in visitor areas; and kiosks, which are overcoming some of the challenges around logistics supply.
I thank the Minister for that considered answer, but may I ask him to assure me and the House that, in his efforts to reduce the cost of the estate on the taxpayer, he will not scrap short sentences, given that 4,300 knife-wielding criminals last year would have remained on our streets?
First, I make it absolutely clear that no decision on sentencing policy will be driven by anything other than public protection. That is the key in any sentencing decision. Secondly, I make it absolutely clear that we are fully behind the Home Secretary and the work that is being done on knife crime and we want to make sure that judges have the full powers at their disposal to deal with people who are wielding knives.
(5 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.
This information is provided by Parallel Parliament and does not comprise part of the offical record
I beg to move,
That this House has considered bailiff regulatory reform.
As ever, Mr Evans, it is a pleasure to serve under your chairmanship, and I wish all hon. Members a happy new year. As we embark on a year that will be dominated by Brexit—as we saw in the Chamber just a minute ago—it is good to focus on another concern of our constituents. I called for this debate on reforming the regulation of bailiffs because a shocking case of aggressive behaviour by bailiffs in my own constituency was presented to me at an advice surgery, and I have heard countless other examples from hon. Members and from the charities involved. I thank my local paper, which published an article on the topic over the Christmas period, and members of the public who got in touch with me.
My main message to the Minister is that we simply cannot let bailiffs become a law unto themselves. The Government need to take urgent action against bailiffs who break the rules, behave aggressively and act with apparent impunity. According to the evidence presented by Citizens Advice, StepChange and other organisations, this is not just a few bad apples, but a widespread problem. Although I welcome the call for evidence that the Government announced last year, I stress to the Minister that we are not discussing a minority of bailiffs, and I urge her and her Department to recognise that. After all, we have to face up to the scale of the challenge if we are to find the right solutions.
Some 2.2 million people in England and Wales have been contacted by a bailiff in the past two years. The regulations that the Government introduced in 2014 are welcome, but there are huge problems with the lack of enforcement. Since the introduction of those reforms, Citizens Advice has recorded a 24% increase in problems with bailiffs. One person in three who has experience of bailiffs has seen them breaking the rules, and 40% have suffered intimidation. Unfortunately, the fee structure has created a perverse incentive for bailiffs to make visits and reject repayment offers, which we have seen time and again, as they can charge fees of £235 for every debt they collect in person.
I first became aware of the severity of this problem last year, when a disabled constituent came to see me at an advice surgery. Let us imagine for a moment being in her shoes: you and your partner are just getting up. You hear a knock at the door. Your partner goes to answer it. You hear loud voices, then feet on the stairs. A total stranger strides into your bedroom. You are absolutely terrified. The first thing he does is pick up your purse and take out all the cash. You think you are being burgled, but you are not: you are being visited by bailiffs. My constituent’s experience, unfortunately, is not an isolated case. Another man told me that bailiffs used humiliation in front of his neighbours to gain entry to his home. He said:
“They tried to push their way into my house saying they have a right to. When I asked to see the court papers the bailiff said—you have already had them and he would only discuss the case in the house. He then started shouting so that other people”
including his neighbours
“could hear him—this was obviously to embarrass us”
and to intimidate the man.
I congratulate the hon. Lady on securing this important debate on an issue that is faced by people across the country. Regarding the point she has just raised, does she agree that the current regulations give perfectly innocent people no opportunity whatsoever to prevent a visit by bailiffs or verify the authenticity of visiting bailiffs when they are not the debtor concerned? One of my constituents faced that situation—a traumatic ordeal along the lines that the hon. Lady has outlined.
From all the cases that I have heard about, those experiences are traumatic and have a lasting effect on the people involved. In many cases, they are not necessarily the debtor—they are not the person who owes the money—but they are still treated in an appalling manner. That is not to say that the debtor should be treated appallingly either, but bailiffs do not seem to have regard to the rules, which is that they can seize possessions that belong only to the debtor.
That brings me to another example—a person from the constituency of the hon. Member for Harborough (Neil O'Brien), whose son was in debt and who bravely spoke out on the radio today about his experience. He said:
“We invited these men into our home so that we could understand what was going on and in the belief that we could then work with them to resolve the problem. All they did once inside our home was to threaten us with public humiliation. At no time did they advise us of any of our rights. We were told that although we were in our own home that the only way we could prevent them seizing our property”,
including this gentleman’s car,
“was if we could produce receipts.”
I do not know about other Members, but I would not have a receipt for my car at hand if someone were to knock on my door. I know that the hon. Member for Harborough will speak in more detail about his constituent, whom I thank for coming forward.
In another case, a woman told me:
“I went to close the door and the bailiff put his foot in to my hall to prevent me from shutting the door. I got through to the police, explained the situation, was told he had no right to demand to come into my house. The bailiff had gone by then and did not return but I felt very intimidated and for a while found myself checking through the window before opening the front door.”
How awful that a person should not feel safe in their own home.
I congratulate the hon. Member for Wolverhampton North East (Emma Reynolds) on securing this important debate; she spoke incredibly well. She referred to the treatment that my constituents received at the hands of bailiffs. Let me add a little about their experience by quoting from a letter they wrote:
“My wife & I (both retired) were woken up by loud banging on our front door at 7.22am. When I answered the door I was confronted by two men who announced that they were bailiffs… The first we knew of the matter was when they…turned up at our door… We were…in shock…at the threat of a tow truck arriving at our door to remove our car and that we were to be humiliated by our possessions being publicly removed from our house… Later that day my wife and I sought advice from our local Citizens’ Advice Bureau... The CAB advisor informed us that we could have refused the officers entry…and that we could have signed a Statutory Declaration of ownership covering goods not belonging to our son which should have prevented our property being taken in lieu for my son’s debt. At no time did the officers inform us about this… My wife and I have never broken the law. Both my wife and I used to work for the prison service. We have both since we retired, been active as local volunteers… I…find it reprehensible that two pensioners should be coerced, albeit politely, into having to hand over their pension savings for something that they are not in any way culpable for. Nor can we believe that British law supports the kind of action we have experienced.”
They are absolutely right. It is clear that the law needs to change and that we need to go beyond the 2014 reforms, and I am glad that the Government have announced the call for evidence. I praise the campaigning work of Citizens Advice and the debt charity StepChange. I think six main things need to change.
First, we need an independent regulator, and I welcome that being raised explicitly in the current review. When I took up my constituents’ case, I was astonished to find that there was no independent regulator, given that there are industries such as the parking industry in which far less serious things happen but in which there is a clear independent regulator. Debt collectors who are not bailiffs and do not have bailiffs’ powers have a regulator, so this is a historical anomaly that needs to be fixed.
Secondly, once the regulator is set up, it needs to improve the process. Part of that is about communication —if my constituents had been informed about the debts at an earlier stage, they could have nipped the whole problem in the bud—but part of it should also be about the offer of an affordable payment plan, as several hon. Members have said. Affordable payment plans have become the norm in most types of debt collection and for most utilities, because we know that vulnerable people are much more likely to pay if they are offered a structured plan rather than getting a big demand all at once. As it happens, my constituents are bright, articulate, hard-working people, but even they felt totally humiliated by the process. Imagine how those who are more vulnerable feel.
Does my hon. Friend agree that it is only right that homeowners should be notified of the fact that a bailiff is about to attend? Of course, we should recognise data protection concerns as well.
Absolutely. That point brings me on to the third thing that needs to change: people need to be told what their rights are. My constituents never were. If someone is arrested, they are told their rights; the same thing should happen if a bailiff visits.
Fourthly, there must be a clear and simple complaints procedure through the new independent regulator, backed up with swift fines for bailiffs who break the rules. Fifthly, there must be controls on fees. My constituents’ son’s original debt was increased by half again, and we have heard about the tragic case of Jerome Rogers, which is incredibly moving. I was shocked that a publicly funded institution had initiated the debt collection against my constituents. As hon. Members have said, the incentives in the industry are to seize as much as possible in order to do as much business as possible, and there is no link between fees and ability to pay. Finally, the new regulator should improve training standards for bailiffs, as some have only a few hours of training. That is truly shocking.
A great injustice was done to my constituents, who are hard-working, law-abiding, public-spirited people. We are lucky to have a very able Minister guiding the Government’s response to the call for evidence. Every single day in this country, vulnerable people are being maltreated purely as a result of a historical anomaly. I know that she will want to put that right as soon as possible.
It is a pleasure to serve under your chairmanship, Mr Evans. I congratulate the hon. Member for Wolverhampton North East (Emma Reynolds) on securing the debate on a matter that I know has affected her constituents greatly, as she spoke to me about it a few weeks ago.
I pay tribute to all hon. Members for the quality and passion of the contributions today. As my hon. Friend the Member for Henley (John Howell) said, this is a timely debate because on 25 November the Government launched a call for evidence to inform their second review of the 2014 reforms that regulate enforcement agents, in order to ensure that that important area operates well. We have framed that call for evidence against the points that have been raised with us about how the system is not operating as it should. We have heard much today that will help us reflect on that call for evidence.
It is interesting that three colleagues—my hon. Friends the Members for North East Hampshire (Mr Jayawardena), for Harborough (Neil O'Brien) and for Hendon (Dr Offord)—all raised examples of bailiffs taking action against people who were not even the debtors.
I welcome the fact that the Government have agreed to review the matter. Does the Minister agree that it is important to stop innocent homeowners being caught up in the collection of debts that they have nothing to do with, including where those debts have been incurred through fraudulent credit card applications, as in the case of my constituent?
That is a very interesting point, which I just highlighted—three of my hon. Friends raised the issue of whom the action is taken against. I know my hon. Friend feels strongly about this, and it is something he has talked to me about before.
Before I turn to the review in more detail, I want to set out a bit more about the subject of debt enforcement more broadly. Enforcement agent action has been, and is likely to remain, a highly divisive subject. People who experience debt problems represent a broad spectrum of society, including some who are extremely vulnerable and others who deliberately refuse to pay for products and services.
It is important to note the two points that were made in this debate by a number of Members. The hon. Member for North Antrim (Ian Paisley) and my hon. Friend the Member for Thirsk and Malton (Kevin Hollinrake) highlighted the need for people who owe money to pay their debts, because the recovery of debts is important to the economy and the justice system. My hon. Friend the Member for Redditch (Rachel Maclean) highlighted the good practice of a company in her constituency. The Government are committed to ensuring that all enforcement agents treat debtors fairly and operate responsibly and proportionately. Our role as a Government is to strike the right balance between ensuring that debts can be collected effectively while protecting debtors from enforcement agents’ aggressive behaviour.
With those principles in mind, and after an extensive period of research and engagement, the Government imposed significant extra regulation on the enforcement process and the behaviour of enforcement agents in April 2014. I am pleased that the hon. Member for Wolverhampton North East welcomes those reforms, which included a comprehensive code governing when and how enforcement agents can enter somebody’s premises; the safeguards to prevent the use of force against debtors; which goods agents can and cannot seize and, if necessary, sell; and what fees they can charge.
The reforms stopped enforcement agents entering homes when only children are present and introduced important safeguards for vulnerable debtors. They aimed to make all parties more aware of their rights and responsibilities and introduced a new certification process for enforcement agents to ensure that they are the right people for the job. They introduced mandatory training to ensure that enforcement agents have the skills required to perform the role. The Government undertook to review the implementation of the reforms after one, three and, if necessary, five years in order to check that they are working as intended. The review, which was published in 2018, found that the reforms had many positive benefits, such as better awareness of debtors’ rights and how to complain, as well as more clarity for debtors about the fees that can be charged, the processes that should be followed and where to go for advice. However, it also reported that debt advisers and debtors still perceive some enforcement agents to be acting aggressively and, in some cases, not acting within the regulations.
The Government take those concerns very seriously. While many enforcement agents work within the law, we will not tolerate any who pursue aggressive tactics and bad practice, who make people’s lives a misery and ruin the industry’s reputation. For that reason, we launched the call for evidence to shine a spotlight on the behaviour of enforcement agents. Many of the points that have been raised today are the subject of that call for evidence. The hon. Members for St Helens South and Whiston (Ms Rimmer) and for Wolverhampton North East highlighted the problem of threatening behaviour, which is part of the call for evidence. My hon. Friend the Member for Henley and the hon. Member for Wolverhampton North East raised the issue of complaints, which is also a subject for the call for evidence. The hon. Member for Coventry South (Mr Cunningham) and my hon. Friend the Member for Harborough raised issues about training—again, that is a matter for the call for evidence.
The independent regulator, which is part of our consultation, was raised by my hon. Friends the Members for Henley and for Harborough, and by the hon. Members for Coventry South, for Wolverhampton North East, for Leeds West (Rachel Reeves), for Croydon Central (Sarah Jones), for Ellesmere Port and Neston (Justin Madders) and for Makerfield (Yvonne Fovargue). The treatment of vulnerable people was raised by the hon. Member for Lewisham West and Penge (Ellie Reeves), and that is also covered in the call for evidence, which is running for 12 weeks until 17 February 2019. As part of that, we are meeting representatives from the advice sector to get a better understanding of the research they have conducted and their concerns, and we will also be talking to enforcement agents and creditors. However, the call for evidence is not just about collecting data; we are very keen to hear from people about their individual experiences. A number of hon. Members have shared the experiences of their constituents, whom I encourage to respond to our call for evidence.
I was very pleased to have had the opportunity to meet the hon. Member for Croydon Central and her constituents the Rogers family, who sadly lost Jerome following visits to their home by enforcement agents. Like others, I am pleased to see them here today. I thank them for their contribution to this important issue and for their continuing efforts to highlight this matter.
A number of hon. Members have suggested that the Government’s reforms should go further by introducing an independent regulator, and that there should be a simpler, free and independent complaints procedure. As set out in the call for evidence, we are considering these suggestions. The call for evidence asks whether independent regulation is needed and, if so, what form that should take and how it should be funded. We would welcome any input on all those questions. It also asks about the complaints procedure, as I have said.
In addition to reviewing the behaviour of enforcement agents, the Government are working more widely to help people who fall into problem debt by providing them with protection and ensuring that creditors are acting responsibly. For example, the Government are increasing funding for free debt advice via the Money Advice Service, which will spend £56 million this year to help more than half a million people. After consultation, and via regulations to be laid this year, the Government will implement their 2017 manifesto commitment to introduce a breathing space in order to give people in serious debt the right to legal protections from their creditors for up to six weeks. We will also introduce a statutory debt repayment plan to enable those with unmanageable debts to enter into an agreement to pay their debts in a realistic timeframe. The Ministry of Justice is a member of the Government’s Fairness Group, which works with the advice sector to look at the issue of fairness in Government debt management and in enforcement practices.
I would like to end by commenting on the cross-party support to address this important issue. It has been invaluable to me, and I am sure to others, to hear not only people’s tragic personal stories, but articulate and thoughtful arguments about the principle behind these issues.
(8 years, 2 months ago)
Commons ChamberI thank the hon. and learned Lady for that, but I do not think that any of the factual assertions she has made are right. There is absolutely no plan such as that she suggests, and I do not support abolishing paternity rights; in fact, when I was a Back Bencher under the last Government and this point was raised, I was fully in favour of transferable parental leave. She is mistaken in what she says, but what is most striking is that the message she is sending to her constituents and the wider citizens of this country is that they should have no faith in her ability and that of the Scottish National party in this House to protect their rights.
The convention was agreed in the 1950s, Britain joined the EU in the ’70s and the Human Rights Act was agreed in the ’90s. Twenty years on, does the Minister agree that it is important that we revisit all these papers, because rights were not invented by pieces of paper? Instead we should have a British Bill of Rights.
My hon. Friend is right and makes an important point about the future direction of human rights laws in this country. We are party to the European convention on human rights, and that is a different and separate issue from the EU. Our regime is based around our membership of the European convention, and considerable legal uncertainty is created if the Luxembourg Court starts to interfere and create risks and wider uncertainty about which rules apply and how.
(8 years, 7 months ago)
Commons ChamberThank you, Mr Speaker, for the opportunity to speak in this debate. I know that others wish to make their contribution so I shall be brief.
It is incumbent on us all to protect the society in which we live. Rehabilitation, as my hon. Friend the Member for Mid Dorset and North Poole (Michael Tomlinson) says, is an integral part of that, but rehabilitation is not new. Those of us who worship from the Book of Common Prayer will recognise the words that God
“desires not the death of sinners, but rather that they may turn from their wickedness and live”.
That has been with this country for many centuries. It is important that the Lord Chancellor outlined today, as he has done previously, the increasing focus on rehabilitation, but I would like to temper that enthusiasm and that positivity with a note of caution.
We must be mindful of those who do not wish to change, those who show no remorse, those who should be punished so that if they are locked up, they are not a risk to the good people of our country. But to be positive and to return to the agenda that the Government have outlined, it is right that we give those who want to change the opportunity to do that. They should not be written off by society, but should be seen as individuals and given the tools to make a contribution to our country.
A troubling issue at the moment is the number of individuals returning from fighting with so-called Islamic State—the satanic state, as I call it, because those people are not followers of Islam. The number of such individuals continues to rise, so it is inevitable that our prisons will soon be housing unprecedented numbers of extremists. We must address the unfortunate truth that British prisons have in some cases been incubators of extremism. I urge Ministers to ensure that we develop an ever-more successful de-radicalisation programme; one that can both punish and rehabilitate, and transform extremists into more tolerant individuals while they serve their time and repay their debt to society. That is a huge task, but it is a vital one. If properly carried out, not only will it tackle the problem of radicalisation in British prisons, but, if we can show that these abhorrent ideologies can be defeated, it will do much to challenge extremist groups in Britain and across the world.
Since 2010, those who break the law have been more likely to go to prison, and for longer, than they would have been in the past. I cannot support the motion because I do not believe that that is wrong in all cases. I do not believe that rehabilitation is right in all cases, as I have outlined. I believe that prison can give us the opportunity, as a country, to change those who wish to change for the better.
(8 years, 11 months ago)
Commons ChamberI thank the hon. Gentleman for his question. As he knows, there are many different ways in which we can implement the ECHR in domestic law. There are 47 states party to the European convention, and they all do it slightly differently. We want to see greater authority for the Supreme Court—the Labour Government set up the Supreme Court and we do not think that it should be subordinated—and a greater respect for the legislative role of hon. Members in this place.
Does my hon. Friend agree that it is totally wrong for criminals and those who wish to do our country harm to be able to use the Human Rights Act against us? Therefore, does he agree that it is important that the new British Bill of Rights balances the rights of citizens that were not invented in 1998—with the responsibilities of the citizens that existed then and indeed that exist today?
My hon. Friend is absolutely right. We want to protect fundamental rights, but we do not want to see them distorted by judicial legislation or abused by serious and serial criminals. Above all, we do not want to see human rights become dirty words in the minds of the public. That is what the Human Rights Act led to; our Bill of Rights will restore some balance.