The Secretary of State’s Handling of Universal Credit

Richard Graham Excerpts

Wednesday 11th July 2018 Commons Chamber

[Richard Graham (Gloucester) (Con)]

Let me start by welcoming my near neighbour and old friend the Under-Secretary of State for Work and Pensions, my hon. Friend the Member for North Swindon (Justin Tomlinson), back to his place on the Front Bench.

Today there was a fantastic opportunity for the Opposition to hold a debate on one of a range of very topical issues, many of which arise this week: the future of NATO, the way forward for the western Balkans, our security partnership with the United States, or the revised economic growth figures and the potential impact on savers and borrowers.

[Rachel Maclean (Redditch) (Con)]

Or the World cup.

[Richard Graham]

Or, indeed, the World cup. Unfortunately, however, the Opposition chose none of those issues, and have fallen rather than risen to the occasion by tabling a motion containing two censures and a personal attack, in the name of the Leader of the Opposition, in relation to something for which the Secretary of State has already apologised.

I am here today for a straightforward reason: to remind the hon. Member for Wirral West (Margaret Greenwood)—who is not paying a huge amount of attention—that it is a mistake for the Opposition to throw stones from very fragile glass houses. Let me explain why. On 11 October last year, the Leader of the Opposition said, at Parliament’s peak moment, during Prime Minister’s Question Time:

“The last Labour Government lifted a million children out of poverty. Gloucester City Homes has evicted one in eight of all of its tenants because of universal credit. The Prime Minister talks about helping the poorest, but the reality is a very, very different story.”—[Official Report, 11 October 2017; Vol. 629, c. 324.]

Let me remind the House that the reality was indeed a very, very different story. The actual figure was not one in eight—which would have meant 650 out of 5,200 tenants in my constituency—but a total of eight, one of whom had left the property 18 months earlier and another of whom had left the country. That is a very, very different story indeed. It would have been fitting for the Leader of the Opposition to apologise, and to have expressed some form of recognition that he had slandered the city of Gloucester, Gloucester City Homes—which is an excellent housing association—and, indeed, all of us who try to engage in a rational, measured, objective debate on universal credit, which is what we did in the Select Committee when I was on it. My point is that we should avoid these motions of censure, stop criticising people personally, and focus on the facts.

Before I run out of time, let me offer some recommendations to the Secretary of State. First, the trusted partner programme is working very well, and housing associations such as Gloucester City Homes benefit from it. Please may we have more of it for more housing associations? Secondly, the Secretary of State is right to focus on debt, and I should love to know more about why people go on to universal credit with so many debts.

Personal Independence Payments

Richard Graham Excerpts

Monday 4th June 2018 Commons Chamber

[Ms McVey]

We have not saved any money; let me make that point clear now. We spend more money on PIP, and will continue to do so to 2022—more money every year from 2010 than we ever spent on DLA. If I can dispel the myth that anybody is saving any money through moving from DLA to PIP, that will be the best thing I can do today. This Conservative Government will be spending more on disabled people through PIP from 2010 through to 2022.

[Richard Graham (Gloucester) (Con)]

I welcome the Secretary of State’s announcement today because I do not believe that fighting these cases in court is in the long-term benefit of anyone in this country, so I congratulate her on that. Clearly any of these PIP assessments can be incredibly stressful for our constituents and the system must react when mistakes have been made or situations are difficult. But anecdotally what I am hearing, especially from people with degenerative diseases like MS, is that the PIP system is working better than DLA. Many statistics have been bandied around today, but one statistic is that 30% rather than 15% are now getting the top level of benefit, and that is making a real difference to many individual lives. Can my right hon. Friend confirm today whether the number of assessment appeals is going up or down and whether the percentage of those being accepted as against those being rejected is going up or down?

[Ms McVey]

I have already given the numbers, which show that we are getting the vast majority right: 9% are appealing and 4% are being overturned. This brand new benefit is a personal and modern benefit, and we are adjusting it so that it meets the needs of a 21st century benefit. That is what we are seeking to do. So for the first time we are looking at mental health conditions and exploring the extra support we can give there. This Government, across all Departments, are spending £11 billion more on mental health, so under PIP 66% are getting the higher daily living rate, whereas the figure for that under DLA would have been 22%.

Oral Answers to Questions

Richard Graham Excerpts

Monday 26th March 2018 Commons Chamber

[Ms McVey]

The regulator and assessors are now looking into a whole series of issues. Fundamentally, one of them has to be how Carillion’s books went from being a healthy balance-sheet to, a year later, not being a healthy balance-sheet. The auditors and accountants who had signed those books are now being thoroughly examined to establish what happened there before the regulator would have had to look into things, so a lot of investigations are going on.

[Richard Graham (Gloucester) (Con)]

2. What assessment she has made of the efficacy of the roll-out of universal credit.

[The Secretary of State for Work and Pensions (Ms Esther McVey)]

Universal credit is a modern flexible benefit which provides tailored support to claimants. Three separate research studies show that UC is having a positive impact on employer outcomes. The changes announced in the Budget are giving even more support for claimants.

[Richard Graham]

Before Christmas, many on the Opposition Benches predicted disaster as more of our constituents claimed their benefits through universal credit. In fact—and I believe the changes made by the DWP have made a significant difference—the early anecdotal evidence in Gloucestershire, from the Jobcentre Plus and Gloucester City Homes, is that things are moving smoothly ahead. Does my right hon. Friend agree that this is broadly the case across the country, and that the introduction of trusted landlords is making a significant improvement to relationships with housing associations, and will she do more to roll that out?

[Ms McVey]

My hon. Friend is correct. Three independent studies are saying that universal credit is getting people into work quicker, and that they are staying in work longer and also looking for more work. He is exactly right about the trusted partner status. The reason he has started to do extra work with his jobcentre, looking at tenants who might not have a roof over their head, was the false information cited in Prime Minister’s questions by Jeremy Corbyn, who said that one in eight would be evicted. That was not the case, and, as we are seeing, people are now getting into work and their homes are being protected.

Financial Guidance and Claims Bill [Lords]

Richard Graham Excerpts

2nd reading: House of Commons
Monday 22nd January 2018 Commons Chamber

[Richard Graham (Gloucester) (Con)]

It is a pleasure to contribute to the debate. It is also a pleasure to follow the hon. Member for Bristol North West (Darren Jones), who spoke movingly about the importance of respite and the period for the repayment of debts. However, I regret the party-political tone of some elements of his speech. In my constituency in the city of Gloucester, which is not very far from his, 6,000 jobs in business were lost under the last Labour Government. Youth unemployment rose spectacularly, and living standards almost collapsed. The hon. Gentleman talked about a Government who look after the fortunes of the many and not the few. He should come and meet the 8,000 new apprentices in Gloucester, where youth unemployment has fallen by 85% over the last eight years.

The hon. Gentleman also accused my right hon. Friend the Secretary of State of describing people who went to food banks as suffering from ineptitude, and I believe that his remarks were completely out of order. I hope that, when he has had a chance to study the record, he will in due course at the very least withdraw that extremely personal comment, which was alarmingly in tune with something that the shadow Chancellor appeared to give air to when he referred warmly to those on his side of the House who wanted to “lynch” the new Secretary of State. I believe that all those remarks are totally out of keeping with the tone that we expect in the House.

Let me now turn to a matter on which there is cross-party consensus, namely the Bill’s Second Reading. The Bill has two parts, and I shall comment on each in turn. The first is clearly designed to rationalise three separate bodies offering Government-sponsored guidance services into a new single entity, the single financial guidance body—not the snappiest, most memorable name, but it marks an important moment in the consolidation of guidance.

I have direct experience of two of the three bodies that are being merged. The creation of Pension Wise was a very well-intentioned move by the Government, but there is no doubt that take-up has been much too low, and a different approach is therefore required. When I saw a Pension Wise adviser nearly two years ago, I was impressed by the quality of her advice. I do not think that that was a one-off experience, and I believe that those who have had the chance to access Pension Wise would agree.

I have also seen and heard the Pensions Advisory Service in action. The quality of its service and advice is powerful, and its model—like that of Citizens Advice—is one of recruiting volunteers with relevant sector experience. This represents good value for money for the taxpayer as well as giving the volunteers a great sense of purpose in giving something back. That is the secret of so much volunteering. I hope the Minister will reassure us today that that aspect of the Pensions Advisory Service model will be continued in the bigger world of the SFGB and, ideally, expanded.

The financial sector is a popular bogeyman, especially among Opposition Members, but I hope that those on both sides will join me in recognising and appreciating those who have given their time and knowledge voluntarily to the SFGB’s three predecessors, and in wishing the Economic Secretary to the Treasury, my hon. Friend the Member for Salisbury (John Glen), who is in his place, success in working with Her Majesty’s Treasury to set up the new body. The Pensions and Lifetime Savings Association has described this as absolutely integral to the success of pensions freedoms.

The Bill allows for a focus on the weak and vulnerable—something in which I know the Under-Secretary of State for Work and Pensions, my hon. Friend the Member for Hexham (Guy Opperman), strongly believes. I hope that he will say more about his definition of those terms and about how the SFGB will focus on them. Part of that will involve identification; part of it is about access.

I want to sound a note of caution on one aspect of the Bill, and my approach here is slightly different from that of the hon. Member for Bristol North West. I do not believe that we should be too constrictive about the guidance that will be given. Indeed, I differ gently from the otherwise excellent speech of my hon. Friend the Member for East Renfrewshire (Paul Masterton) on this point as well. We are at risk of assuming that people who wish to take money from their pension pots will spend it on things that might not benefit them or their families. At a time when levels of household debt are high, with a total of £1.9 trillion, there is a question mark over how their funds should be used. The levels are not as high as they were under the last Labour Government, when levels of household income indebtedness rose from 93% to 158%, but they are still too high.

The early evidence seen by the previous Work and Pensions Committee suggested that withdrawals were mostly being used to reduce family debts, which for most people makes good financial sense. Perhaps the Minister will update us on whether that trend is still broadly true. It was the reason why the Select Committee took the view in 2016 that we broadly supported the pension reforms, and it is also relevant to the FCA’s review of retirement outcomes, which will happen in the first half of this year, and to the proposed ban on cold calling.

There is another point to make on the savings levels of pensions. Under this Government, following the coalition’s introduction of auto-enrolment, which had cross-party support, the percentage of those working who are now saving for their retirement has risen to 78%. That is a huge step forward, but the Minister will also know that 13% of adults still have no savings. That statistic raises the question of how we can stimulate lower earners—those earning under £10,000 a year—to enter an auto-enrolment scheme, perhaps through enhanced incentives. I recognise that that is not an issue for this Bill; it is a matter for the White Paper that has been promised in the spring. It is, however, an issue relating to debt, pensions and savings and therefore part of the same general concern that we are discussing this evening. It is therefore related to the discussion on part 1 of the Bill, and anything the Minister can say to indicate that it is being closely considered will be welcome.

The second part of the Bill deals with enabling the Government to ban pension cold calling, which we all welcome. I know that the Opposition and the new Select Committee have reservations about the speed of Government action, and I hope that the Minister will reassure us that we will not have to wait until the autumn of 2020 for a decision on the introduction of such a ban. If, after three consultations and the upcoming FCA report, the Government decide that this is the right thing to do, surely we will be able to move faster. Dealing with claims management companies can be an emotional experience for many of our constituents. The proposal is to shift responsibility for them from the Ministry of Justice to the FCA and give the authority the power to impose a cap on the fees that CMCs can charge. I hope that it will vigorously implement that new power, and I suspect that that hope is widely shared.

The latter part of the second part of the Bill has been covered in some detail by several Members. It covers having a repayment plan and a period of respite to deal with accumulated debts. We know from the experience of our constituents that good debt advisers can help with these issues, and that their negotiations with creditors on extending repayment periods have made a huge difference to many people. So why not look at this more institutionally, in just the way that the Bill allows? That will be an excellent step forward, and I look forward to hearing more from the Minister on how that will be taken forward.

The Bill has been widely welcomed by charities and the financial sector, and it has cross-party support. That is a strong position to start from, and I strongly welcome the reforms. I hope that my hon. Friend the Under-Secretary of State for Work and Pensions will be able to shed some light on the questions that I have raised on the role of volunteers in the single financial guidance body; the identification of and approach to the weak and vulnerable; an analysis of what pension withdrawals are being used for; how we might expand the reach of auto-enrolment to increase the savings level in the nation; the introduction of a pensions dashboard, which he mentioned tantalisingly briefly; and an early decision on how and when to ban cold calling. These are all extremely important issues, and I believe that they offer the Government an opportunity to go yet further in helping many of our constituents, through the Bill’s twin aims of reducing scams and improving guidance in order to enable better financial decisions to be made.

--- Later in debate ---

[Laura Smith (Crewe and Nantwich) (Lab)]

It is an honour to follow the hon. Member for Redditch (Rachel Maclean).

Even though my hon. Friend the Member for Bristol North West (Darren Jones) has left the Chamber, I thank him for his very honest speech. I, too, remember the anxiety that filled my childhood home when the Provident came knocking. Both my parents also worked. Perhaps the hon. Member for Gloucester (Richard Graham) could listen and learn from people who have experience of living through hardship, rather than moaning about something that is political being political—after all, I thought we were all politicians.

[Richard Graham]

Will the hon. Lady give way?

[Laura Smith]

No, sorry.

The town of Crewe, in my constituency, has in recent years been identified as one of the most indebted places in our country. The problem has not gone away. Last year, statistics published by the Money Advice Service suggested that average consumer debt per person in Crewe was more than 20% higher than in the rest of the UK, and we know the problem is permeating beyond the most deprived areas. Problem debt is creeping into every corner of our communities, and if the bubble bursts, the effects are likely to be profound and lasting.

That is why I want to talk about one aspect of the Bill: the clauses that enable the Government to introduce a debt respite scheme. With falling wages, the rising cost of living, housing problems, insecure work, childcare costs, welfare cuts and rampant inequality, no single Act of Parliament will fix all the underlying causes of rising household debt. At the same time, the people who voted for us literally cannot afford to wait for the Government to fix our broken economy. That is why I stood on a manifesto that promised to introduce a debt respite or breathing space scheme to help those working families who have been struggling to keep their heads above water. It is the provision to introduce such a scheme that makes the Bill such an important priority for my constituency.

The debt charity StepChange reports that 70% of its clients fell into debt because of an unexpected negative event, such as job loss, reduced income, illness or a relationship breakdown, and 60% of clients told the charity that their financial situation stabilised once creditors agreed to freeze further interest, charges and enforcement action. Without the protection of a statutory breathing space scheme, pressure to repay debts at an unaffordable rate and threats of enforcement can leave households cutting back on everyday essentials, such as food and heating, and falling further behind on bills.

This Bill, in itself, does not provide the solutions, but it does provide an opportunity for the Government to make a massive difference to the lives of many ordinary working people. How the debt respite scheme is set up is crucial. For example, the initial period must be long enough for people to seek debt advice and agree a long-term plan to resolve their debts. On top of that, regulated debt advisers should also be able to extend the period, where that is deemed necessary.

The Government’s proposal of a six-week initial period is nowhere near long enough. According to StepChange the evidence in Scotland, where a comparable scheme already exists, shows that on average it takes four months to activate a plan after the first debt advice session. In any case, the Government should also commit to reviewing the length of the initial period after the scheme is introduced, and to extending it if there is evidence to support doing so.

Statutory repayment plans must also be a feature of the scheme, with the flexibility to ensure that the most effective plan for each family’s circumstances can be put in place. There is no one-size-fits-all solution. A scheme that does not meet those needs will be a huge missed opportunity for the Government and could cost us all dearly in the not-so-distant future.

The link between debt and mental health is well established. Picture the parent who is filled with dread and anxiety every time they answer the phone or open an envelope. The Royal College of Psychiatrists tells us that half of adults with debts suffer with mental health problems, and the Children’s Society tells us that children living in families with problem debt are at greater risk of developing mental health problems later in life. Introducing an effective debt respite scheme not only makes good economic sense, but should feature as part of the Government’s mental health strategy.

I support the Bill as a step in the right direction, but a debt respite scheme is long overdue, so we need the Government to commit to a date and to ensure that the scheme is not a token gesture, but a genuine effort to protect working families from this growing problem in our society.

[Eddie Hughes (Walsall North) (Con)]

I believe protocol dictates that I should say that it is a pleasure to follow the hon. Member for Crewe and Nantwich (Laura Smith), but anyway.

[Richard Graham]

I am grateful to my hon. Friend for giving way as the hon. Member for Crewe and Nantwich (Laura Smith), having accused me of moaning, did not wish to do so. I simply say to her: I do not do moaning.

[Eddie Hughes]

And I have certainly not witnessed any—nothing but good grace from my hon. Friend in the past.

I want to touch briefly on the name of the single financial guidance body, when we get it. The hon. Member for Airdrie and Shotts (Neil Gray) was right to highlight this point, because what we call it is critical. My hon. Friend the Member for Mansfield (Ben Bradley) suggested that we will need a good marketing strategy to go with it because, let us face it, we have to reach out to a broad section of the population, from the very youngest to the very oldest. I want to discuss predominantly the youngest.

We cannot start too soon in engaging young people in financial business. I know that HSBC operates a school bank service where it goes into primary schools for seven to 12-year-olds to introduce them to the concept of banking and explains the different roles of people within the bank. It also explains how someone setting up their own business might go about obtaining a loan and funding that business.

Right from the earliest age, we should engage with young people. Why is that important? The Money Advice Service released a report this month following some qualitative and quantitative analysis during which it engaged with 470 young people. What did it find? It found that 61% of those young people felt that their lives would be better if they had better financial management skills, but 85% felt that they had not been given sufficient financial guidance when they were at school. That puts them in a precarious position because, all of a sudden as young adults, they are exposed to the opportunity of debt. Indeed, one of those taking part suggested that credit cards should be treated in the same way as cigarette and tobacco packets: there should be photos on a credit card that in some way convey the danger associated with them, because young people with access to cheap debt can easily get into difficult financial positions. That is not a question of ineptitude, as referred to by the hon. Member for Bristol North West (Darren Jones); it is just that if people have not had that financial education and training, they can find themselves in a difficult position.

For example, at the weekend I spoke to a young man of 26 in Walsall. He had been down in London and he somehow managed to get on the bus without the fact that he had used his card to pay for the ticket being recorded. When the passengers were checked, he was asked to get off the bus and prove that he had paid for his ticket. He could not do so. He was fined, I believe, £80 and given a short period to pay, otherwise the fine would double. He did not pay as he did not have the money at the time. He did not prioritise that debt, so he did not pay it. The fine increased to £180. By then, it was Christmas and he could not afford to pay, so he procrastinated further until the bailiffs were knocking on his mother’s door at the weekend, seeking £750 because he had not paid a £1.50 bus fare. Sometimes, it is not just that people do not have the money; they do not understand which debts must be prioritised to prevent further hardship down the line.

It is incredibly important that we increase the financial capability of everybody across the UK, from the very youngest, when they set out as young adults with access to credit cards, to the very oldest, who will be drawing down their pensions. They all need our support and this Government are on the side of them all.

Private Sector Pensions

Richard Graham Excerpts

Monday 22nd January 2018 Commons Chamber

[Ms McVey]

I reassure my hon. Friend that that is exactly what we will be doing. We are looking at how we empower the Pensions Regulator and, if need be, how we allow it to levy fines. It has to be a balanced response, not a knee-jerk response, and we have to make sure it works for both pensioners and businesses.

[Richard Graham (Gloucester) (Con)]

When a major UK business collapses it is incredibly important that both existing and future pensioners are given reassurances about their situation. In the case of BHS, this House elected to constitute a joint Select Committee inquiry to consider aspects of both the pensions and the business. Does she agree that a joint Select Committee inquiry looking into both the pensions and business aspects of the collapse of Carillion would be welcome?

Secondly, in the worst-case scenario, existing pensioners will get 100% of what is due to them through the Pension Protection Fund, and future pensioners will get 90%. The PPF, with assets of some £29 billion, is extremely well funded and capable of looking after the worst-case scenario.

[Ms McVey]

My hon. Friend, who has a lot of experience in these matters, is right in saying that the Pension Protection Fund is robust. It has a lot of resources, so people are safe and will be protected. That is what they need to know now. The Government have very clearly, from the moment this happened, set out the support for pensioners, so that they knew that their pensions were safe and they could go to work knowing that they were being looked after. He is quite right: we have to make sure that we are taking the right approach going forward.

Disability Confident Scheme

Richard Graham Excerpts

Wednesday 10th January 2018 Westminster Hall

[Luke Graham]

I realise that the scheme is a start, and later in my speech I will come to a number of areas that I hope the Minister and the Government will seek to develop further.

I was talking about the Glenalmond Timber Company. For people who do not know, Methven is a village in my constituency—it is not a bustling metropolis. There is not a huge amount of infrastructure, nor is there a particularly strong disability lobby that has worked hard on local or national Government. However, a company there is committed to seeing the person and not the disability, and it has reaped the positive results of that. I commend the Glenalmond Timber Company for the work it has done through Disability Confident. I hope the Minister will join me in visiting its site in the near future.

Of course, it is not just local businesses that are involved; national and international businesses have also signed up to the scheme. I thank Sainsbury’s, which has provided information on cases across the United Kingdom. It is a large corporation that has been highly involved in the Disability Confident campaign. One of its employees in the north of England experienced some mental health issues and has only just felt confident enough to talk about his condition at work. Although he requested to remain anonymous, he commented:

“There is still a stigma about mental health, so I was nervous about talking about it. But receiving a firm diagnosis recently made it easier for me to speak up. Everyone I’ve had contact with here has been really supportive and keen to help. I worked with my line manager and HR to come up with adjustments, which have made a massive difference. Flexible rotas, extra preparation time at the start of shifts and the addition of a click and collect shift to my working week have made things less stressful.

I’m now really enjoying my job. There’s great camaraderie and team spirit, and with regular reviews as we go along, there’s no reason I won’t be able to stay in the role long-term…I’d advise colleagues dealing with mental health conditions to take that first step and talk to their managers. Once you’ve said the words, it gets much easier.”

Those words are great to hear and show that the scheme is making a great start, but there is still a lot of work to do.

The 2017 Conservative manifesto committed, as my hon. Friend the Member for Berwickshire, Roxburgh and Selkirk (John Lamont) mentioned, to getting 1 million more disabled people into employment in the next 10 years. The Government therefore released a White Paper entitled “Improving Lives: the future of work, health and disability” in November last year. The strategy is based partly on supporting disabled people to find work but also on providing investment to support them to stay in work, as mentioned by the hon. Member for Strangford (Jim Shannon). The White Paper states that the Government will

“increase the reach and effectiveness of Disability Confident”,

while the Disability Confident business group has been established to provide leadership, peer-to-peer support and the sharing of best practice. Furthermore, the White Paper included the following policies and proposals. First, the roll-out of the personal support package, which includes the recruitment of 200 community partners, 300 disability employment advisers and about 100 small employer advisers. It will also provide support for individuals to help find and keep a job. Secondly, the Government have committed—I am sure that the Minister will elaborate on this—to explore the best options to provide support to those with more complex needs, and those who are furthest from the labour market across the United Kingdom.

[Richard Graham (Gloucester) (Con)]

My hon. Friend is being generous, and it is a huge pleasure to see another member of clan Graham representing Ochil and South Perthshire in the House. Does he agree that there may be a good case for the Government to consider doing what they did so successfully with apprenticeships: to provide small employers with an incentive to hire people with disabilities? If that were in the form of a national insurance break, that might be the catalyst that enables us to move at the pace we want in taking people with disabilities into employment.

[Luke Graham]

Indeed. I will come to that point towards the end of my speech.

The Government’s proposals are all laudable and aspirational, and I am sure they will receive cross-party support in their implementation. I also ask the Minister to ensure that any new provisions are UK-wide and not limited by devolution settlements anywhere in the United Kingdom.

Oral Answers to Questions

Richard Graham Excerpts

Monday 13th November 2017 Commons Chamber

[Caroline Dinenage]

We have to be careful not to scaremonger on this issue. A National Federation of Arm’s Length Management Organisations report says that three quarters of tenants who started to claim universal credit were already in arrears, and research shows that after four months the number of claimants in arrears has fallen by a third.

[Richard Graham (Gloucester) (Con)]

The single biggest problem for some welfare recipients who move into universal credit is their high level of debt. Can my hon. Friend the Minister for Employment tell me what he can do to take forward his idea of an interest-free period to resolve outstanding debt, and to promote the use of credit unions in advising strongly against the use of loan sharks, particularly in the run-up to Christmas?

Supported Housing

Richard Graham Excerpts

Wednesday 25th October 2017 Commons Chamber

[Richard Graham (Gloucester) (Con)]

My hon. Friend the Member for Walsall North (Eddie Hughes) is absolutely right to say that this is a happy day for the House of Commons: the Prime Minister has made an important remark on policy; the Minister has said the Government will respond to the consultation on supported housing by broadly adopting the recommendations in the joint Select Committee report; and Members on both sides of the House, housing associations and charities have welcomed the direction of travel, and we will have the details in a week’s time.

I thank my co-Chair for the joint Select Committee report, the hon. Member for Dulwich and West Norwood (Helen Hayes), and my hon. Friend the Member for Thirsk and Malton (Kevin Hollinrake), who was on the Committee and knows a lot about the sector, other Members, including the hon. Member for Glasgow Central (Alison Thewliss), who was on the Committee as well, and the Chairs of the two Select Committees who commissioned our report. We should also warmly thank Lord Best and the five housing associations—I do not have time to name them all—that road-tested our recommendations and improved the detail. We should also thank my hon. Friend the Member for Waveney (Peter Aldous), who has held two debates on this subject.

Above all, what this shows—and what today’s debate shows—is why Select Committees are important, why working cross-party really does matter, which is not something that all new Members seem to have yet grasped, and why Parliament should be proud that such a report can have a real impact on the Government. It was delivered in May, just before the election and long recess, and the Government will be making the announcement in late October. This, then, is a good day.

It is worth reminding those listening of the key recommendations, which have the backing of the sector and now the Government: a separate supported housing allowance; a limited number of regional variations; tenants eligible for supported housing allowance only if they are in accommodation that is regularly inspected; national standards to monitor the quality of the supported housing allowance accommodation; and a separate funding system—this is important—for women’s refuges, about which I hope the Minister will say something later.

I regret that not all charities in their briefings seemed to have read the recommendations. In its response, Shelter wrote that it had

“responded to the Communities and Local Government Select Committee’s inquiry into the issue”,

but it made no comment on the recommendations. I encourage all charities to look closely at Select Committee reports and endorse them where they find them useful.

Inevitably, success has many fathers, so it is not surprising that the Labour party and the Scottish nationalists—I even heard a reference to Andy Burnham at one point—have wished to add their names to the credits at the end of this film. In my view, it does not matter who tries to take the credit; what matters is that Parliament has had a significant say in shaping Government policy. I hope that the announcement next week will confirm the details, although there are questions that I hope the Government will cover—I know that the Minister will take note of this. We need answers to the questions on funding, the number of regions, the timetable for implementation, the quality assurance and the refuges themselves. I hope that all this in turn will trigger announcements from the housing associations on the go-ahead for the projects that have been put on hold but that will enable us to have more supported housing.

Universal Credit Roll-out

Richard Graham Excerpts

Tuesday 24th October 2017 Commons Chamber

[Michael Tomlinson]

No, I will not.

The Government’s response should be to ensure that universal credit succeeds and has the transformative potential to get people into work and to ensure that they stay in work. The Government should continue to test, to learn and to rectify during the gradual roll-out.

[Richard Graham (Gloucester) (Con)]

Does my hon. Friend agree there are three things that the Government could recommend? First, Jobcentre Plus offices should brief all local councils on what universal credit is about and how it is being rolled out. Secondly, jobcentres should be encouraged to have credit union literature to help people avoid getting into loan sharks and debt problems. Thirdly, the Government should work closely with the largest housing associations, such as Bromford, to establish best practice between housing associations and jobcentres.

[Michael Tomlinson]

I would encompass those questions in one by saying that better communication is needed. Each of us, as a Member of Parliament, bears a responsibility for that communication, too. Having heard the responses, we should pass them on to our constituents in good faith and in good time.

Universal Credit Roll-out

Richard Graham Excerpts

Wednesday 18th October 2017 Commons Chamber

[Mr Gauke]

Let us be clear: if people need support under this system, they do not have to wait for six weeks. [Hon. Members: “They do!”] They do not have to wait for cash in their pocket from the state because they can get an advance, which is normally paid within three days. If someone literally does not have a penny, they can get that money on the day. There is a responsibility on all of us as constituency MPs, when we meet our constituents who face difficulties of this sort, to inform them of the availability of advances, not to scare them with the belief that they have to wait six weeks when they do not.

[Richard Graham (Gloucester) (Con)]

The points being made by Opposition Members are disappointing in one particular way. There is a strong responsibility on all of us as Members of Parliament to help our constituents when they get into problems, rather than trying to weaponise them politically. One way this could be done is to encourage our largest housing associations to have an implant inside the Jobcentre Plus so that at the very moment somebody goes on to universal credit, the housing association is there and able to make sure they get the necessary advance so that they can pay their rent. Does the Secretary of State agree?

[Mr Gauke]

My hon. Friend makes a good point. Co-operation between housing associations and the Department for Work and Pensions is an important part of improving the service. We are seeing improvements in how that operates and I hope it continues to improve further.

--- Later in debate ---

[Richard Graham (Gloucester) (Con)]

We have all known the reason for universal credit for a long time, and the day when no employee needs to offer 16 hours of work to anyone will be the day when universal credit has done its job. The reason for this debate, however, is much less clear. I suspect that the changing nature of the motion reflects two problems. The first is that some Opposition Members do not want to fix universal credit, but to destroy it and go back to an earlier world of throwing more money at welfare. The second is that some of them know they cannot fix it, because their own record on tax credits—their big attempt at welfare reform—was an absolute disaster, for which we are still paying in HMRC’s annual accounts.

We have heard Opposition Members make a series of remarks that are worth repeating: that this is a “disaster about to unfold”; that it shows a “total lack of understanding”; that their constituents have been “driven into destitution”; that it is “a shambles”; and that they are “not making things up”. Let me share with everyone, but especially with Labour Members, exactly who has been making up what. One week ago, the Leader of the Opposition stood up in Prime Minister’s questions and, to bring alive his belief that universal credit is a shambles, said:

“Gloucester City Homes has evicted one in eight of all of its tenants”.—[Official Report, 11 October 2017; Vol. 629, c. 324.]

That would mean that 650 of my constituents had been evicted over the past year. The actual figure is eight, seven of whom had such large debt arrears before they went on to universal credit that they would have been evicted anyway.

Let me also share with Opposition Members that those figures—eight people evicted during the past year—are a quarter of the number that Gloucester City Homes, when it was the city council housing department, used to evict, on average, every year during the 13 years of the Labour Government. That was without any complaint being made in the House by two Labour MPs or the current Leader of the Opposition, who was here for all that time. The hon. Member for Easington (Grahame Morris) said that Government Members do not understand what is happening in our constituencies, but I know what is happening in mine, and I do not need the Leader of the Opposition to tell me; and when it comes to making things up, he should stop scaremongering and get his facts right.

Let me turn to the Government, because this policy is incredibly important. It is our philosophy and our project, and we must get it right, and there are things we could all do to help make that happen. In the time remaining—perhaps someone would like to intervene—let me quickly run through those things.

[Lady Hermon (North Down) (Ind)]

rose—

[Richard Graham]

I am very happy to take an intervention from my friend.

[Lady Hermon]

That is enormously kind, thoughtful and generous of the hon. Gentleman.

[Lady Hermon]

No, it was very generous, indeed. Given that the hon. Gentleman and the hon. Member for North East Derbyshire (Lee Rowley) said that almost everything is hunky-dory with the roll-out of universal credit, would he and his colleagues not be astonished if the Government did not push this to a vote? The tweeting going on suggests that the Government are going to abstain, but would he not like to have an opportunity to vote?

[Richard Graham]

I agree with so much of what the hon. Lady says—I love her constituency—but rather than respond to that point, let me highlight what we can all do to make sure that this is a success.

First, the moment when the landlords portal opens and our housing associations become trusted partners will be absolutely crucial, and we need to know when it is going to happen for which housing associations. Secondly, I believe that if we have a main housing association in our constituency, it needs to have somebody inside the jobcentre and working with it when people move on to universal credit. Thirdly, we need to know how many of our constituents moving on to UC are getting advances. We know the national figure, but we do not know the figure for our constituencies. Fourthly, we need to know when the citizens advice bureau is alerted to a problem by a constituent. I have an escalation protocol with my CAB, and I recommend that to everyone, because it is very important for us to know about such problems as soon as possible. The next thing we need to know—

[Madam Deputy Speaker (Dame Rosie Winterton)]

Order.