Oral Answers to Questions

Rebecca Smith Excerpts

Wednesday 19th March 2025 Commons Chamber

[Jess Phillips]

Absolutely, gladly. Tamanna and Mckenzie deserve all our praise. It is infectious; the first time we do such a thing often leads to the second. The rising of the women is the rising of us all.

[Rebecca Smith (South West Devon) (Con)]

I am sure we all agree that securing women’s wellbeing is key to tackling violence against women and girls, so can the Minister assure women across my constituency and the country that the Labour Government, having promised to prioritise women’s health, are committed to continuing the Conservative Government’s work by making sure there is a women’s health hub in every integrated care board, to ensure holistic support for women?

[Jess Phillips]

A Minister to my left tells me that these hubs are already in nine out of 10 integrated care boards. I can assure the hon. Lady that I am working very closely with the Department of Health and Social Care on the violence against women and girls strategy, because there are real gaps when it comes to how domestic abuse, sexual violence and other related abuses are dealt with by our health services. That will be absolutely fundamental to both protection and prevention.

Oral Answers to Questions

Rebecca Smith Excerpts

Wednesday 12th March 2025 Commons Chamber

The Secretary of State was asked—

[Rebecca Smith (South West Devon) (Con)]

1. What assessment she has made of the potential impact of the rise in employer national insurance contributions on employment in Wales.

[The Secretary of State for Wales (Jo Stevens)]

I am sure the whole House will wish to join me in sending our deepest sympathy to the family, friends and neighbours of Joanne Penney, who was callously murdered in Talbot Green on Sunday. It is a shocking and horrific crime.

We have protected the smallest businesses and more than doubled the employment allowance to £10,500, meaning that over half of small and micro businesses will pay less or no national insurance contributions at all. In Wales, small and medium-sized companies account for 99.3% of total enterprises.

[Rebecca Smith]

Businesses across Wales, like those across my constituency of South West Devon, are being hit not only by Labour’s job tax but by the increasing minimum wage, rising costs and other business tax increases. Each of those alone would force many to reduce their workforce, but the combination of all three means that businesses are thinking twice about filling job vacancies or creating new posts. What reassurances can the Minister give to businesses across Wales, and to companies such as Serpells in my constituency, that their business has a promising future between now and the next election, when the Labour Budget shows them the complete opposite?

[Jo Stevens]

If the Conservative party cares so much about employment and business in Wales, perhaps the hon. Lady should explain why her colleagues in the Senedd voted last week to block thousands of new apprenticeships and more than £300 million of support for businesses in Wales. Her party voted against that.

Public Authorities (Fraud, Error and Recovery) Bill (Fifth sitting)

Rebecca Smith Excerpts

Committee stage
Tuesday 4th March 2025 Public Bill Committees

[Rebecca Smith (South West Devon) (Con)]

I have some queries about clause 17 and the provisions on recovery from bank accounts. My comments apply to clause 38 as well, but I will speak specifically to clause 17.

Earlier, the Minister mentioned that some of the powers for direct deductions and deductions from earnings are used more widely across the DWP, particularly in the CMS for recouping costs for parents. Have the Government thought more broadly than simply direct deductions and deductions from earnings? My understanding is that the CMS has quite strong powers beyond that and has used them in the past.

Given the nature of fraud against public authorities—these are ultimately quite serious offences—what more has been done to consider whether direct deductions and deductions from earnings are enough and will be all that is required? At some stage, do we need to think about putting in tougher and more stringent powers to claw back the money owed to the Government?

[John Milne (Horsham) (LD)]

As the Minister described, the powers in the Bill are already used by other parts of Government. Can she provide us with any evidence of their success? Are they doing the job they were made for? Have they led to a change in behaviour in the way potential fraudsters set up accounts or attempt to disguise beneficiary interests?

--- Later in debate ---

[Rebecca Smith]

I thank the Minister for that reassurance and for outlining that there are further abilities to recover funds. Particularly in recoveries from organisations, does that include the seizure of assets should that be necessary? A lot of organisations might be asset rich but cash poor. If we seek to retrieve money on behalf of the Government, is the ability to seize assets, if required, within the framework the Minister alluded to?

[Georgia Gould]

Among the powers in the Bill there is only the power to recover debt through the ways that I have set out.

Question put and agreed to.

Clause 17 accordingly ordered to stand part of the Bill.

Clause 18 ordered to stand part of the Bill.

Clause 19

Requirement for banks to provide information

Question proposed, That the clause stand part of the Bill.

Public Authorities (Fraud, Error and Recovery) Bill (Third sitting)

Rebecca Smith Excerpts

Committee stage
Thursday 27th February 2025 Public Bill Committees

[Georgia Gould]

I welcome those probing amendments, because they give me an opportunity to provide some clarity and reassurance on those important points. I will respond to them in a second, but on the question of safeguards, as I said in my introduction, we have thought very deeply about them and we are really mindful of the responsibility of these powers, so a broad range of safeguards has been built into both sides of the Bill.

On the PSFA measures, all the use of powers will be overseen by a separate team that will be accountable to an independent chair who will transparently report their findings annually to Parliament. The use of the wider powers will be overseen and reviewed by His Majesty’s inspectorate of constabulary and fire and rescue services, which has a lot of experience in this. There are various routes of appeal and review built into the powers, as well as times when applications to court are needed, and we will deal with those in some depth as we go through the clauses. Oversight is absolutely critical, and that is why we have put such a robust oversight system in place.

On clause 3, currently any information needed from first parties or connected third parties can be asked for only if they refuse to provide it, and there is no way for the PSFA to compel the information to be produced without having to go through the civil court. The clause enables authorised officers in the PSFA to compel information to be produced that is not excluded, where it is necessary, proportionate and in line with the data protection legislation, from individuals and businesses as part of a civil fraud investigation. As we discussed on Tuesday, those authorised officers will all be highly trained and subject to professional standards and a code of conduct.

In particular, clause 3 extends the Minister’s powers to include taking copies of information and requiring the individuals to provide information in a specified form. The power includes imposing duties on an individual to retain information that they already hold for longer than they would normally be required to. For example, that might apply where the PSFA requests contractual notes as part of an investigation that a person may retain for only three years. Where the request is made just before the end of that period, the information notice would also explain that any failure to supply the specified information might result in a civil penalty being imposed.

The clause details the requirements of the information notice, including the format, the timeline for compliance and the location for submission. A similar approach is used by HMRC. In practice, authorised officers would engage, where possible, on a voluntary basis before issuing an information notice. The clause also ensures that there are restrictions on the information notice from demanding “excluded material” or “special procedure material”, as defined under the Police and Criminal Evidence Act.

I will turn to the amendments, and as I said, I am very grateful for the opportunity to explain how this clause works, which I hope will provide some reassurance. Clause 3(1)(a) and (b) set out a test for issuing an information notice. An authorised officer will have the power to compel information only when it is necessary and proportionate to do so, and only when the information being requested relates to a person whom the authorised officer has reasonable grounds to suspect has committed fraud. On that basis, PSFA authorised officers will request the information only when there are reasonable grounds to do so.

The question that amendment 10 raises is, “What is meant by ‘reasonable grounds’?” It must be objectively reasonable for them to suspect fraud, given the information available to them. An authorised officer must genuinely suspect that the fraud has been carried out by the individual, and that belief will be based on facts, information and/or intelligence. Reasonable grounds cannot be supported on the basis of personal factors such as those listed in the amendment, or a hunch. It is critical to set out that authorised officers will be using those facts and will be bound by the public sector equality duty and the Equality Act.

The reasonable grounds test is a standard, widely accepted test used by various organisations, including the DWP, the Serious Fraud Office and the police. Further to that, to ensure that the reasonableness test is applied properly in practice, the PSFA will have built in place safeguards. For example, authorised officers must consider all the facts of a case known to them at that time when they decide what is reasonable. Authorised officers must ensure that each decision made relating to the use of the powers is documented and available for checking. Management checks will ensure that those procedures are followed correctly. Information holders can also request a review of a decision to issue an information notice if they feel that there were no reasonable grounds.

As I said, there will also be independent oversight of the use of powers by an independent body such as HMICFRS or the new independent chair. I am setting out this detail on the record now, but we will also be transparent about this for those who do not leaf through Hansard. The code of practice envisioned by this legislation for the PSFA elements of the Bill relates to civil penalties. As civil penalties are the mechanism for ensuring compliance with the information gathering powers, we will also set out in the code of practice, and in further published guidance if necessary, how the information gathering powers will be used in practice, as I am doing today. We will also fulfil the commitment that we made on Tuesday to talk about what will be in the codes of practice as we reach the relevant parts of the Bill.

Let me turn to the period of compliance. Our approach in the Bill accommodates the variation in size and type of fraud investigations that the PSFA is likely to take on. As such, the Bill allows information providers a minimum, critically, of 10 working days to comply. However, in practice, the information notices will be tailored on a case-by-case basis, with each being judged on its merits and with the time period applied appropriately. Similar approaches are used in HMRC. That, in turn, protects the information holder from being asked to produce information in an unreasonable timescale.

On Tuesday, we heard from John Smart, who said:

“Some of the smaller organisations might struggle to meet that 10-day requirement”.

That is why we will be tailoring the requirement. But, he also said,

“I still think it is a reasonable starting point. If you do not start with a reasonable starting point, for the larger organisations you end up deferring decision making and action being taken. I think 10 days is reasonable.”––[Official Report, Public Authorities (Fraud, Error and Recovery) Public Bill Committee, 25 February 2025; c. 46, Q81.]

As I said before, that is the minimum.

Again, we will set out the commitment to tailoring to ensure that we are proportionate and reflect the different types of organisations and individuals who might be asked for information in the code of practice or published guidance. Alongside the time period for compliance, an information provider will have the opportunity to request a review, which would include the ability to vary the time period for compliance if it was considered that a longer timeframe was needed. The current drafting outlines a five-layered process for information holders to request a review of an information notice that they have received. I can go through that detail if Committee members want me to, but I hope that that provides some reassurance on hon. Members’ points.

[Rebecca Smith (South West Devon) (Con)]

I thank the Minister for those points, but I seek a bit more clarification. There are references to “the Minister” in clause 3, and I want to be clear about this, because we talked a lot about the code of practice during the evidence session on Tuesday. Is the Minister saying that the code of practice will have reference to the authorised officers? So, for Hansard, where clause 3 refers to “the Minister”, it is actually more likely, through the code of practice, to be referring to the day-to-day operation of those investigators. The Minister also mentioned that the definition of reasonableness is as per other departmental records and is widely available. Just to clarify, will that also be in the code of practice so that it is easily accessible for anybody in the public to look at what that might include? I seek more clarification on those two points.

[Georgia Gould]

Yes, the code of practice will be much more operational guidance that will be targeted at the authorised officers and their day-to-day operational practice. It will include the information that I have set out.

Public Authorities (Fraud, Error and Recovery) Bill (First sitting)

Rebecca Smith Excerpts

Committee stage
Tuesday 25th February 2025 Public Bill Committees

[Michelle Welsh (Sherwood Forest) (Lab)]

Mine is exactly the same: I am a member of Gedling borough council and Nottinghamshire county council, which have responsibility for administering benefits.

[Rebecca Smith (South West Devon) (Con)]

In the same vein, I am a member of Plymouth city council.

[Neil Coyle (Bermondsey and Old Southwark) (Lab)]

I am a trustee/director of Southwark Charities, which provides accommodation for some older people who may be affected by the provisions of the Bill—a cursory reference, really.

Examination of Witnesses

Professor Mark Button, Dr Rasha Kassem and Professor Michael Levi gave evidence.

--- Later in debate ---

[Andrew Western]

Q May I come back in on the specific point of independent oversight as it pertains to the DWP element? Obviously, we intend to put in place an independent person to oversee the eligibility verification measure and then HMICFRS on both search and seizure and information gathering. Are you satisfied with that proposal for independent oversight on the DWP side, or are there things that you would ask us to consider beyond that?

Dr Kassem: Personally, I would recommend a board rather than an individual, because how sustainable could that be, and who is going to audit the individual? You want an unbiased point of view. That happens when you have independent experts discussing the matter and sharing their points of view. You do not want that to be dictated by an individual, who might also take longer to look at the process. The operation is going to be slower. We do not want that from a governance perspective—if you want to oversee things in an effective way, a board would be a much better idea.

Professor Button: The only thing I would add on the DWP is that it is likely to be much more resource-intensive. There are likely to be a lot more cases. Having an appropriate capacity is important for that.

Professor Levi: I agree with that. Historically, in relation to asset forfeiture, say, the problem has been one of excessive caution rather than too much activity. A lot of legal challenges remain. I was on the Cabinet Office Committee that set that up, and there can be too much governance of that, so there is a tension between having a lot of governance in place and saying, “Look, can we get on with it?”

[Rebecca Smith]

Q I will come in briefly, because I am conscious of the time. I was interested in what Professor Button was talking about—encouraging people to commit fraud, and the rise of online videos, TikTok and all that sort of thing—and I wonder whether you think that the Bill does enough to allow for going after people who choose do that. In essence, that is a fraud in itself. Also, is this a good example of where the distinction between fraud and error blurs? If there is no education about what fraud is, and people are watching lots of social media videos on how to defraud things, does that become error or is it fraud? I am interested in whether we are, inadvertently, not tackling the root issues through the Bill, and whether there is anything that we could do to make it tougher.

Professor Button: It is important to tackle those areas. I am not sure whether it is something that needs to go in the Bill. I think it is more an issue of giving the body the capacity to go after those types of individuals and to work with other relevant policing agencies— I suspect that that would need to be the case—to deal with it, rather than saying such things in law. We have the Online Safety Act 2023, which covers a lot of areas. Is that useful enough? Are the Fraud Act 2006 and the historical offence of conspiracy to engage in fraud appropriate, or do we need to create a new, specific offence of, say, promoting social security fraud online? I would not like to comment on that; it is probably something that needs more thought. The key thing is more enforcement, and disrupting forums where that kind of discussion is taking place.

Professor Levi: There is also the issue of signalling to people where the boundaries lie. This is an issue not so much for the Bill, but for enforcement practice across the board. We need some condign activities that communicate to people via social media, as well as in the old media that we may read, what is acceptable, and what is and is not legal. The National Crime Agency has been pretty good about that in the cyber-crime area, in trying to educate people and to divert them away from crime. There are some good lessons across that. It is also a question of resource and how many such things people can deal with.

[Georgia Gould]

Q In your experience of researching fraud, how does this Bill compare to international best practice? Should we be considering anything else that you have seen that particularly works in other places?

Professor Levi: The Americans used to be better at this than may have been the case in the past few weeks. The General Accounting Office and some of the inspectorates general in the US have been pretty active, but the US still had a huge amount of covid-19 fraud. Australia is getting better. Clearly, the head of the Public Sector Fraud Authority is part of this group of people trying to improve things, but I would say we are starting at a pretty modest level, in terms of numbers of people. In terms of the DWP, it is a struggle for everyone. We have to look at it in relation to general welfare. I remember going to a meeting and talking to some French delegates who said to me that it was about—

--- Later in debate ---

[Andrew Western]

Q I will ask one more question about the systems that we have in place. What do you perceive as the principal weaknesses in the DWP’s current powers to detect fraud?

Helena Wood: A really good point was made, and others who follow me in this Committee’s evidence sessions will make it as well: fraudsters rarely simply defraud the public sector or the private sector. It is often the case that those with a propensity towards fraud will look at any channel through which they can gain financial benefits.

This is very much a narrow-facing Bill, but we have to look at it in its broader context. I would question whether DWP could be doing more to share information with the private sector, using existing powers to do so. There are plenty of voluntary information and data-sharing schemes available to which DWP is not plugged in. It would complement this particular power to be able to layer the data picture and the intelligence picture, and not just look at this single piece of information in isolation. There will be a number of data points across the private sector that you could gain through voluntary data-sharing schemes that DWP is currently not engaging with.

[Rebecca Smith]

Q We just heard that serious organised fraud is considered to be only 10% of what is taken from the Department at the moment. Do you think that the measures to give DWP investigators power of entry, search and seizure are the right approach to tackling that 10% of serious organised fraud that exists?

Helena Wood: Absolutely; the point was well made in previous evidence that the police simply do not have the resources to look at fraud against consumers, never mind to support DWP, so I think it is entirely necessary to extend those powers of search and seizure to DWP as well. Again, I keep coming back to the broader context: there are other powers. We should not assume that this Bill is the sole answer. It has taken a very civil lens, quite necessarily, on what is a huge-volume crime, which cannot be dealt with simply through a criminal justice response alone. We have to save that criminal justice response for use in a surgical way, for the really high-end cases, particularly in an organised crime sense. We should not be seeing it as an either/or.

What I would not like to see from this is the replacement of the necessary deterrent of a criminal investigation and prosecution with pure use of civil measures. We need to use that full suite of powers beyond this Bill, including those in existing legislation, such as the Proceeds of Crime Act 2002, and standard issue fraud criminal prosecutions. Something that I would like to see from the independent oversight is that we do not lose that criminal thread. We have to keep prosecuting where necessary, and providing that necessary deterrent through all the available means, not just the ones available in this Bill.

[Georgia Gould]

Q You mentioned that the PSFA powers are used generally, but they have not been available to tackle fraud in the public sector outside of tax and welfare. What is your assessment of bringing those powers into this space? How effective will they be at tackling public sector fraud?

Helena Wood: This is a really necessary approach. However, I would caution that we are holding off from establishing the PSFA as a statutory body for now, and I completely understand the reasons for that: we are in a very tight fiscal environment, the cost of setting up a new agency is substantial, and we need to test the competence of the PSFA in doing so. However, I think in due course we need a more fixed timeline to move the PSFA off into a statutory body, to at least remove any perception—if not actual political interference—in investigations. That is really important—we need a stronger timetable. I know that will happen when the time is right, but I would like to see a stronger timetable towards it. I think there will be at least a perceived risk of Executive overreach if the PSFA does not move in that direction more quickly.

--- Later in debate ---

[Michael Payne]

Q Thank you both for sharing your experience and expertise with us this morning. It is estimated that there was about £5.4 billion-worth of fraud and error in temporary covid-19 schemes that were not run by HMRC. You will know that this is an area of significant public interest. The Public Accounts Committee said:

“It is very unlikely that most of the losses due to fraud and corruption”

during the pandemic

“will ever be recovered.”

How far do you agree with that statement? Do you think the new powers for the Public Sector Fraud Authority change the prospects?

Alex Rothwell: I absolutely do think they change those prospects. I was still in law enforcement when covid-19 was happening, and there was an extensive discussion about the police’s ability to support investigations. Frankly, policing had significant challenges with fraud, and still does, in terms of the volume of attacks against individuals and businesses, which made supporting the public sector almost an impossible ask, so I certainly welcome the ability to strengthen the public sector fraud response.

On whether the money will be recovered, there are significant challenges, as I am sure you are aware. It is right to apply a cost-benefit approach as well; although there is a moral imperative, we increasingly look at things in a commercial sense and at whether there is financial value in recovering funds.

Kristin Jones: It is very difficult to get money back from fraudsters, especially where it is organised, because the money disappears into different accounts in different names, and overseas through lots of corporate bodies, so it will be a big challenge. The important thing about this piece of legislation is whether we are future-proofing it so that, looking forward, we can learn from what has happened in the past and not repeat the mistakes.

[Rebecca Smith]

Q I am particularly interested in the work that the NHS serious fraud team is already doing. What specific challenges do you currently face in investigating fraud and recovering money that the Bill will help? Do you think there are gaps in what is being proposed that could be tweaked or amended?

Alex Rothwell: If we take the view that fraud has already happened—I have spoken about prevention, but once a fraud has happened and we have discovered it—there are increasingly limited opportunities to pursue criminal investigations. Although we maintain a strong investigative capability that deals with more serious types of criminality, we know about the challenges in the criminal justice system—the disclosure burden is high, it is incredibly expensive to run criminal investigations, and often they take eight years or longer to reach fruition—so we are increasingly looking at how else we can deal with fraud when it is presented to us.

In many ways, it is the low-value, high-volume cases that we see that are more challenging, where we are perhaps seeking to recover funds from someone who has taken £5,000, as I mentioned earlier. This is where I have the most interest in the Bill, because I think we would seek to use those powers extensively, and of course every penny that we recover is money that will be well spent in the NHS. I do not necessarily see any gaps in this particular legislation. There are elements of the work that we do in the national health service where we would benefit from some more powers, but the focus here is obviously on the Bill, rather than on our own ability. A lot of that would apply to how we access medical records, for example.

[Georgia Gould]

Q You have talked a little about the kind of police pressures that exist. I would be interested in both of your assessments, given your experience, of the police’s capacity and ability to investigate public sector fraud, and whether that means there is more of a need for civil powers.

Alex Rothwell: If we look across other international jurisdictions, we see that law enforcement agencies often have quite distinctive public sector fraud or crime functions—for example, the FBI has an extensive healthcare fraud capacity. The way policing has evolved over the last 20 or 30 years, particularly with an emphasis on drug supply, knife crime and firearms, has meant there is little capacity in policing to tackle public sector fraud, and of course there is an ever-present terrorism threat, which is changing rapidly. There is also safeguarding, with the National Crime Agency having quoted publicly the figures in terms of people who are a risk to children, for example.

One of the challenges is that even if you invest more in fraud capability, when a crisis happens, whether that is because of public order or some other form of crisis, policing has to flex more than other investigations. Inevitably, crimes like fraud are perhaps easier to put on hold for a time. Certainly since 2018 we have seen a gradual professionalisation and an increasing capability in the public sector, which I endorse. We could invest more in the police, but my concern is that there will continue to be crises that affect policing that will impact the ability of policing to support the public sector in the way that is required.

Kristin Jones: I agree with everything that Alex just said. The same applies to prosecution: if you have specialist prosecutors, where the resource is ringfenced, they do not get dragged away, but if you have them in with other prosecutors, it depends on what the pressure is at any particular time as to what resource is going to be given to fraud prosecutions.

--- Later in debate ---

[The Chair]

For our final session this morning we will hear oral evidence from Anna Hall, corporate director of debt, and Christy McAleese, debt advice strategy and policy lead, both at the Money and Pensions Service.

[Rebecca Smith]

Q If you have been in the room, you will have heard a lot about the code of practice already. The Bill requires the Secretary of State to lay before Parliament a code of practice on the new recovery powers. What would you like to see in that code of conduct?

Anna Hall: A lot of the operational detail of how the powers will work needs to be worked through, and the code of conduct will clearly be extremely important. Already existing in government are the debt management vulnerability toolkit and the public sector economic abuse toolkit, both of which have been set up by the cross-Government and cross-debt advice sector fairness group. We would like to see those existing systems tailored for the Bill and the recovery powers, to make sure that the code is implemented fairly.

There is lots of detail in the debt management vulnerability toolkit. It is about making sure that every individual is treated fairly, no matter how the debt has arisen. Once a debt is owed to Government, we are interested in how someone is able to set up a sustainable repayment plan. How are they able to access free debt advice and get the support they need? Regardless of how the debt has arisen, there is their ongoing expenses, their family, the need to make sure that there are no unintended consequences for wider society and their family, and how that debt is recovered.

Christy McAleese: I agree with Anna. There are possibly also opportunities in the code of conduct to build on some of the good work that the Department for Work and Pensions has already been doing on its ways of working with the debt sector. That includes good and consistent signposting and referrals through to free debt advice if, as seems reasonable, someone who has perhaps been contacted by the Department seeks advice from the sector. There are also some things around the acceptability of the debt sector—the advice worker being able to act on behalf of the person, so third-party forms of authority—and we could look at that. That would streamline the process for the person in debt and make it much easier for the debt sector to work with the Department. There are probably other things in that area.

[Rebecca Smith]

Q Who should be consulted about putting together that code of conduct, or code of practice? Should the detail and the code of practice be included in the Bill?

Anna Hall: We can talk about who should be consulted. Debt advice organisations and consumer groups are important, because they will be the ones that interact with and support individuals in how they set up repayment plans and interact with the debt they owe to Government. At the Money and Pensions Service, we have an adviser panel, whereby we convene the debt advice sector, creditors and everyone who interacts in the ecosystem of debt advice. We can certainly support with that.

We are pleased with how DWP officials have engaged with us so far. They are clearly prioritising the people who are likely to be vulnerable. We work with them on an ongoing basis and expect to continue that through the development of the code of conduct.

Christy McAleese: To add to that briefly, we have a track record of doing consultation exercises in this area, and we have been sharing some of those learnings with colleagues at the DWP. In particular, as Anna mentioned, our debt adviser panel, which is made up of frontline advice workers from right across the sector, has been a valuable forum for us to understand how particular aspects of work that we are doing, and wider Government work, impact on the sector, and particularly on people in debt. Colleagues at DWP have been discussing how they can interact with that panel as part of the process as well, which we would really welcome.

[Rebecca Smith]

Q This question is on a slightly different tack. One of the powers in the Bill would disqualify a debtor from holding a driving licence. Is that likely to be an effective tool in getting people to engage and comply? Also, do you think the amount of time that that is for is long enough? It does not feel very long to me, given that it is supposed to be a deterrent. Do you think it is too long or too short, or should we just not look at this and use something else instead?

Anna Hall: One thing that we know quite a lot about at the Money and Pensions Service is how people in debt behave. They do not always behave in a particularly rational manner, or in the way that you might expect people to behave, as with all people interacting with systems.

It can be incredibly overwhelming to have multiple debts. If you draw an analogy to other types of debts that people might owe—say, mortgage arrears or rent arrears—the fact that you might lose your home if you do not pay it is obviously an effective deterrent. For some people, those kinds of consequences are an effective deterrent. But we see day in, day out in the services we fund that people leave it right to the last minute before they seek help, and some people do not seek help at all. There can be all kinds of reasons for that. It could be something to do with them—they may struggle with literacy; they may have really overwhelming mental health issues; or it could be that they just do not know what to do. It could also be that they do not know where to seek help from. So I am sure it will be a deterrent for some people, but for other people, deterrents are not really the reason that they do not engage with the system.

We think it is really important that the systems that are set up once a debt has arisen are encouraging and supportive and help people to engage with the Department, so that they can set up an affordable and sustainable repayment plan. That will minimise the number of people who get to that point. We have experience of working with the finance sector and with other Government Departments that are trying to recover debt. If you really focus on being supportive, encouraging and creating the environment where frontline staff are people that you would want to disclose information to, set up income and expenditure, get a signpost to debt advice from and those kinds of things—if that is inherent in the system—you will not need the deterrent very often. There are huge numbers of people who are very vulnerable who have multiple debts, and deterrents are not really the thing that will impact on their ability to engage.

[Andrew Western]

Q Anna, on your final point about engagement with customers, could you talk a bit about the partnership that the Department has with you and the MoneyHelper service, and the work that is done there to ensure that we seek to wrap appropriate advice and support around those who are indebted to the Department?

Anna Hall: We work with the Department in a number of ways. One of the most recent initiatives is working with Jobcentre Plus colleagues to embed the Money Adviser Network referral system into that. That means that where people present at Jobcentre Plus for a variety of reasons and are identified as having some kind of debt or money difficulty, they can either be referred to the MoneyHelper website—that is the Money and Pensions Service website—which has a variety of information on money, debt and pensions, or they can get a referral through the Money Adviser Network to one of our funded debt-advice providers. It is as seamless as possible and it really enables someone who presents perhaps not realising that there is help out there. When someone interacts with a system that they have to interact with, it is great if we can offer a real range of support that allows them to get to debt advice as quickly as possible.

I probably would say this, wouldn’t I, but debt advice can be absolutely life-changing for people? Its impact is huge. One thing we know is that people often do not know that debt advice exists. A huge number of people would benefit from debt advice. They do not know where to look or how to find it and think that is maybe is not for them, and they do not know what will happen when they get debt advice. If you have someone reassuring at the jobcentre saying, “This is a really independent, trusted service and it can help you sort out your financial affairs, and here is a seamless transfer through to that debt advice service,” that can be incredibly effective.

We are working with the Department, in Jobcentre Plus and across the board, on where people are particularly vulnerable and where they really need that support before they can even start to think about finding work or engaging with other things. If you are worried about whether you have food, whether you have money coming in and what you are going to do about the bailiff who is coming to knock on your door, you really need to deal with that before you can look at your long-term future.

The Department and all the officials we have been working with have been prioritising that. Being an arm’s length body of the Department for Work and Pensions is really helpful to make those connections, and embedding debt advice into all those systems has been really welcomed by the Department.

Oral Answers to Questions

Rebecca Smith Excerpts

Wednesday 5th February 2025 Commons Chamber

[Bridget Phillipson]

I agree with my hon. Friend about the importance of the issue she identifies. I will ensure that the relevant Minister picks up on the point and ensures that electoral administrators are aware of their responsibilities.

[Rebecca Smith (South West Devon) (Con)]

T6. The Government have a long-standing position that they do not engage with the Muslim Council of Britain, so why did the Minister for Social Security and Disability decide to breach collective responsibility to attend a recent dinner hosted by the MCB?

[Anneliese Dodds]

The Government’s position on relations with the MCB has not changed.

Oral Answers to Questions

Rebecca Smith Excerpts

Wednesday 22nd January 2025 Commons Chamber

[The Prime Minister]

My sympathies go to my hon. Friend’s constituents; far too many are experiencing terrible flooding. I visited Stafford last year, and they talked me through the misery of their experience. We inherited flood defences in their worst condition on record. We are now investing £2.4 million in flood defences to better protect communities, and we have committed £60 million to support farmers impacted by extreme weather.

[Rebecca Smith (South West Devon) (Con)]

Two-year mortgages have hit 5%, borrowing is billions of pounds above forecast and retail sales have slumped. Does the Prime Minister still believe that the Chancellor is doing a good job?

Oral Answers to Questions

Rebecca Smith Excerpts

Wednesday 18th December 2024 Commons Chamber

[The Prime Minister]

I have just set out the factual background and the percentage who knew about the change. The simple fact of the matter is that in the current economic circumstances, the taxpayer cannot bear the burden of tens of billions of pounds in compensation. [Interruption.] Opposition Members are chuntering away, but, in 14 years, they accelerated the changes and never once spoke about compensation.

[Rebecca Smith (South West Devon) (Con)]

Q3. My constituents Caroline and Savannah are just two of thousands across Devon, Cornwall and beyond who are living with postural tachycardia syndrome and have been unable to access adequate treatment since the retirement of the only consultant available to work with them in July. What actions can the Prime Minister take to help me secure the treatment that my constituents need, and will he agree to meet me and them to discuss the treatment of POTS in more detail?

Oral Answers to Questions

Rebecca Smith Excerpts

Thursday 5th December 2024 Commons Chamber

The Minister for the Cabinet Office was asked—

[Rebecca Smith (South West Devon) (Con)]

1. What progress the mission delivery boards have made.

[Andrew Cooper (Mid Cheshire) (Lab)]

4. What steps he is taking with Cabinet colleagues to implement the Government’s five missions.

--- Later in debate ---

[The Chancellor of the Duchy of Lancaster (Pat McFadden)]

The Government’s five missions offer real benefits to people living in every part of the country: higher living standards, more energy security, safer streets, lower waiting lists, and a renewed confidence that the future will be better for our children. We have already made progress, including launching a national wealth fund, providing an additional £22.6 billion for the NHS over the next couple of years, launching a new border security command, providing £1.4 billion more for school rebuilding and removing the de facto ban on onshore wind farms. The Prime Minister will unveil his plan for change later this morning, which sets out how we will deliver further on our missions over the next few years, and I am due to give a statement to the House on that matter later this morning.

[Rebecca Smith]

How will the Prime Minister’s five mission boards learn from the clear lack of join-up between the Treasury and the Department for Environment, Food and Rural Affairs over the family farm tax and the family business tax to ensure that they do not become five mission silos?

G20 and COP29 Summits

Rebecca Smith Excerpts

Thursday 21st November 2024 Commons Chamber

[The Prime Minister]

I agree with my hon. Friend that international affairs are probably more important now than they have been for a number of years, because of the volatility, but they are also a great opportunity, because the next generation of jobs is there. There is a race on for those jobs, particularly in renewables, and I want the UK to be not just in that race, but winning it. That is why, in every international engagement that I have had, I have pressed the case for the UK, and I am very pleased with the investment that is now coming into our country. An example I gave was the investment in Hull, which I announced at COP; but at our investment summit a few weeks ago, £63 billion of investment in this country, which will be measured in good, well-paid jobs, was forthcoming. That is good for our country.

[Rebecca Smith (South West Devon) (Con)]

Given the Prime Minister’s optimism on his return from COP29, can he tell the House how the deals that he signed there will uphold his promise to cut energy bills by £300 for constituents such as mine, and when can they expect to see that promise become a reality?

[The Prime Minister]

Yes. The direct investment in jobs in Hull to build turbines is obviously really important for that constituency and for the country, and I will continue to make the case for those deals to be done, with those jobs to come, so that we can drive forward to clean power. That will have the effect of protecting energy security, but also of lowering energy bills.