Oral Answers to Questions

Debate between Richard Graham and Guy Opperman

Monday 18th March 2019 Commons Chamber

[Guy Opperman]

It is a pleasure to answer this question, because both the hon. Gentleman, who is a friend of mine, and I have suffered from the disabling effects of brain tumour. The House will be aware that this is Brain Tumour Awareness Month and that it is Wear A Hat Day on Friday. I will ensure that the points he raises are addressed. He will be aware of the help to claim service, which is already in existence, and of the work that we are doing with Citizens Advice, which will come up to speed in April. A great deal of effort is also going into home visits for vulnerable claimants. However, he raises a legitimate point that we will most definitely look into.

[Richard Graham (Gloucester) (Con)]

The Employment Minister will recall the case of my constituent Ben Seaman, who received a payment following underpayment of ESA; his parent was concerned that as a result, he would be unable to receive ESA in future. I am very grateful for the letter that the Secretary of State has written to me, which arrived today. Will the Minister confirm that those transferring from ESA to universal credit, who have to log this collection of underpayment within a month, will be told in advance of transferring?

[Guy Opperman]

I am delighted to hear about the very welcome development that has been communicated by the Secretary of State today. I can confirm what the Employment Minister has set out today, and I am delighted that this progress has been made.

High-cost Credit

Debate between Richard Graham and Guy Opperman

Thursday 5th September 2013 Commons Chamber

[Guy Opperman (Hexham) (Con)]

The question that this debate is making patently clear is whether it is the responsibility of the state to look after those who cannot look after themselves. It has also been made patently clear in the brilliant opening speech of the hon. Member for Islwyn (Chris Evans) and in other contributions that there are many different practical and relatively immediate measures that could be introduced to address the problem of high-cost credit. They include restricting advertising budgets, implementing a greater degree of financial education, doing more work on shared data, addressing the question of interest rates and improving debt advice. I endorse the comments of the Public Accounts Committee and urge the Financial Conduct Authority to do more, as requested.

I believe that everyone agrees that the Archbishop of Canterbury was right when, in July, he championed the cause of credit unions and criticised the payday loan companies. He was right to say that we needed to “compete” the payday lenders out of the market. I welcome his comments, but I would argue that this debate has shown that although we all support credit unions, they are not necessarily the mechanism by which we will succeed in competing the payday lenders out of the market.

There is cross-party agreement on specific measures that can be taken to address the problem of high-cost credit, but I suggest that the mechanism by which people ought ultimately to borrow on a long-term basis is local community banks. They have all the flexibility, the clout and the borrowing power of a bank, as well as all the sympathetic community approach of a credit union, and the amalgamation of all those qualities will produce the best way forward.

[Richard Graham]

My hon. Friend will be aware of the resurrection of TSB as a brand in a market in which it previously had a good reputation for providing small loans and deposits to people in local communities. Does he see this as offering opportunities in that space?

[Guy Opperman]

Indeed I do.

I held a conference in Gateshead only a few months ago. It was attended by 170 delegates who were trying to set up local community organisations to address the lack of lending in their communities. They wanted to enable such lending by local, trusted providers, rather than by nameless, faceless, computer-led organisations based in London, Frankfurt or wherever. The smaller providers such as the TSB, the Hampshire bank and the Cambridge and Counties bank that are beginning to be set up are clearly the way forward.

No one should dispute that the expansion of credit unions is an extremely good thing. I welcome the changes in the way in which they are to be run; the Government should take credit for that. All Members of Parliament should become greatly involved in their credit union; I certainly support the Hexham credit union, which was set up with the help of the Churches in Northumberland. However, I question whether the credit unions alone will be able to address the problems of high-cost credit. In regard to interest rates, credit unions have clearly adopted a fantastically successful approach—their lending rates are so much better—but their deficiencies might mean that it is difficult for them to go forward. None the less, debates such as these on Wonga or on the private Member’s Bill introduced by the hon. Member for Sheffield Central (Paul Blomfield) have substantially raised public awareness of credit unions in the House and in our local communities.

I want briefly to talk about local community banks. For far too long, under successive Governments, we have been dominated by the big six or seven banks. I welcome the idea of a Church bank put forward by my hon. Friend the Member for Banbury (Sir Tony Baldry), but the kind of long-term community banking that he referred to has disappeared from our high streets and rural communities. That has had a detrimental effect on the ability to lend and to get credit.

The Government have rightly addressed that problem. It used to be incredibly difficult to set up a bank. It took in excess of £50 million and the process was highly regulated, even though the smaller banks in question were in no way comparable to a Barclays-style bank. The Financial Services Act 2012 changed the approach taken by the then Financial Services Authority and its successor organisations involved in regulation, and I strongly support those changes.

Reference has been made to the platforms required to set up a credit union or a community bank. Those requirements are now changing dramatically, to enable much greater interchangeability between pre-existing accounts held with the big seven banks and those held with credit unions or community banks. The mechanisms by which we can set up those organisations are improving, and many groups now wish to get involved. They include not only local communities but local authorities and individual businessmen with a philanthropic approach to their local community. Some universities, and even the Army, are considering getting involved. There are tremendous opportunities in our local areas to set up and expand these organisations.

Over the coming winter, we will all be faced with the issue of the energy costs that our constituents will face. In my community in the north-east, we have 24% fuel poverty, and a large swathe of the community is totally reliant on either oil or liquefied petroleum gas. That is an unregulated market, with all the problems that that entails. We have now formed more than 14 separate oil-buying clubs to try to address the cost of the oil. However, the requirement to buy 500 litres involves a very large financial outlay, often when oil is at its most expensive, and we are looking at ways to address that. The credit unions are certainly being encouraged to be the providers in those circumstances.

I hope that we will all try to expand our credit unions, using the plethora of good advice on regulatory changes, and to support our constituents who need assistance on this issue.

Mobile Homes Bill

Debate between Richard Graham and Guy Opperman

Friday 19th October 2012 Commons Chamber

[Guy Opperman (Hexham) (Con)]

It is a humbling and special moment rising to follow such distinguished speakers. If we are here to do anything, it is surely to protect those less able to protect themselves. People in park homes have found themselves in that situation through a variety of means and statutes that have been passed down the years. I should record at the outset that, of course, some very good park owners provide a perfectly good service and are in no way to blame for the problems caused by the miscreants, who have created the disasters that we have all heard about, either as constituency MPs or as lawyers—the joyous profession of my hon. Friend the Member for South Swindon (Mr Buckland). When the two of us were at the Bar we had to represent individuals who owned park homes and were attempting to litigate, with diminished funds and diminished ability, at an age when no person should be in a court. I do not refer to my hon. Friend there; I refer to the individuals whom I had to look after and guide through a litigious process that no 70, 75, 80 or 85-year-old should have to undertake. Their being in that position is manifestly wrong.

I am humbled to follow such distinguished speakers. I confess that I have never spoken in a private Member’s Bill debate before. The reason I am speaking almost last in this debate is that I speak far too often in the House. [Hon. Members: “No.”] You have not heard all of my speech yet! I follow the coastal king of Waveney, my hon. Friend the Member for Waveney (Peter Aldous), who has ploughed forth his ship from Waveney down to Westminster to create a new law that will, for the first time, protect park home residents—and that is not the only wonderful thing. What is also wonderful about today is that the House has had the chance to be united. It was a pleasure to hear the speech made by the hon. Member for North East Derbyshire (Natascha Engel). Normally we all go to the Backbench Business Committee to prostrate ourselves at her feet with a view to obtaining the opportunity to debate matters in the House. So it was good to see her on her feet making the case eloquently on behalf of not only her constituents, but her predecessor, who so ably served the cause of park home residents in her area.

I do not, in any way, diminish the contributions that we heard from my hon. Friends the Members for Winchester (Steve Brine) and for Gloucester (Richard Graham). I also wish particularly to pray in aid the hon. Member for Mid Dorset and North Poole (Annette Brooke), who, long before the good residents of Hexham decided in 2010 that they would like me to represent them—to my surprise and, I suspect, to theirs—was ploughing a strong furrow on behalf of this cause, and she must be given due credit.

It is worth bearing in mind the number of people we are talking about, because the context is fascinating. Individual constituents would come to us with particular problems and we would raise them, and Governments would often step in and change the law to help individuals on a large scale. The paucity of the numbers has been part of the problem here, and it has stopped Governments necessarily getting involved. In reality, however, we are talking about approximately two parliamentary constituencies—there are about 85,000 park homes involving between 100,000 and 150,000 people.

[Richard Graham]

Another way of looking at those living in park homes is to say that they are equivalent to the entire Regular and Territorial Army.

[Guy Opperman]

Interestingly, we spend so much of our time looking after the Army and attempting to champion its cause, whereas park homes have, to a certain extent, been a less strong element in this House’s consideration. Individual champions have changed that and have brought the matter to people’s attention and to the attention of the House. I give due credit to all the individual local champions, both those who have been cited by hon. Members today and those who have gone to their MP in other circumstances. They should all be welcomed and supported. The point is that a small section of a society of well over 60 million people is particularly disadvantaged by the current legislation, and that is manifestly wrong. So today is a historic day, as the Bill introduced by my hon. Friend the Member for Waveney will come to fruition.

I urge hon. Members not to judge a book by its cover: park homes are superficially very attractive and we can see why so many people would wish to enjoy the benefits of one, but I must add the sad reality of a conveyance into that context. It is madness that so little legal advice is given to park home residents when they purchase their property. I assure the House, before I am said to be trying to cite the benefit of employing lawyers, that I do not practise as a lawyer in any way and have not done so since May 2010. In addition, I must say that I would not be any use when it comes to a conveyance. Conveyances are specialised and specific things. My hon. Friend the Member for South Swindon, the Lloyd George of Llanelli, would be wonderful at many aspects of the law, but would be utterly useless on conveyances. We are not pitching for work. I am urging that individual park home residents should not purchase a property without spending £500 on legal advice to get their conveyance right. Failing to do so is manifestly wrong. One would not make an investment of £50,000 or £100,000 without taking a modicum of advice, as to do so is short-sighted in the extreme and patently wrong. If people from park home residents associations read the Hansard record of this debate, I urge them to take that point and give it as advice on every occasion.

That point is also relevant for site owners. Individual site owners do not start with the predisposition, “I want to cause problems. I want to have disputes with my residents.” There may be isolated examples of site owners who do take that approach, just as isolated individuals set out to commit crime, but most of the time these situations develop. They arise because of a breakdown in relations or because they cannot keep the agreements going on. It is surely in the site owners’ interests for legal advice to be given and taken. I urge the site owners, who have just as much to gain as the individual purchasers, to consider that.

It ill behoves me to cite the various problems, as I have been in the Chamber for nearly an hour and a half and listened to repeated examples of problems in yesteryear. I am grateful to my constituent Mr John Stafford, who lives at 5 Pinewood Grove in Yont the Cleugh in Coanwood, for describing the difficulties that his park home has suffered down the years. He cites the usual litany of problems with the water and electricity supplies, street lighting, field drainage, road surfaces and power cuts—and, of course, a problem that particularly concerns us in the north-east, which is liquefied petroleum gas.

The provision of LPG for park homes is an utter scandal. LPG is effectively the only power provision in this country that is unregulated; all other power providers, including those in oil and gas, are regulated. The House has debated heating oil on many occasions and those who have heard me speak about fuel poverty will know that I consider the heating oil market manifestly to be broken and there is a particular problem with LPG. Individual canisters of LPG are available only from certain providers and in Northumberland, we have only two providers for the whole area, so the competition is limited at best. In the more rural areas of Northumberland, there is a single provider, which does the best job it can. We must bear it in mind, however, that the LPG canister is sold by that single provider, which has not a whit of competition, to the site owner, who can charge property owners whatever he or she wishes.

Countrywide—I stress that this is not the case in the two Northumberland properties that I represent—there are plenty of examples of the provision of LPG being an utter scandal. Mark-ups are unbelievably large—well over 100%—and unless they are paid, the elderly residents, who are struggling pensioners, are deprived of all power and heating. That is manifestly wrong. When the Bill is in Committee, I urge my hon. Friend the Member for Waveney to consider LPG and how it is provided and to see whether he can address the problem in any way. I urge him to take on board the points made by my hon. Friend the Member for Suffolk Coastal (Dr Coffey), who is from Suffolk, not from Norfolk, as was cruelly suggested earlier. I thought that she was having mild palpitations until she realised that it was an error, and that her constituency had not morphed into Norfolk in the boundary review. Lord knows, I blame—no, I will not go there.

Park home residents will be in a better state as we go forward. The journey has been long for the individuals with difficulties, but there is great potential. I go to the park at Blenkinsopp, where a wonderful 14th century castle is set high on the hill overlooking the River Tyne between Haltwhistle and Hexham. It was set up by that famous Frenchman Bryan de Blenkinsopp, whose family came over in the Norman invasion. If hon. Members will indulge me, I will give them a little history tour. It was Bryan de Blenkinsopp who set up the latest castle in the 14th century and at a feast, he was teased about his marriage plans but replied, “Never, never shall I marry, until I meet with a lady possessed with a chest of gold heavier than 10 of my strongest men can carry.” Sure enough, a lady returned with 12 strong men carrying a very large chest of gold. It has never been found and the park homes still reside on that site today. Bryan obviously passed away long ago and is no longer with us. It is still an idyllic spot and when I take individuals around there, they say, “This is where we want to live.” The site has a very good owner, but there is no legislation to provide the protection that those individuals would like.

Let me sum up the Bill, if I can. My hon. Friend the Member for Waveney is doing something amazing that reforms the licensing system, prevents residents’ sales from being blocked, clarifies the law on harassment, makes pitch fees more transparent and introduces a proper and fit registration scheme. This is a special day and we are privileged and lucky to be in the Chamber to demonstrate our support for the long campaign that many have fought.

School Funding

Debate between Richard Graham and Guy Opperman

Tuesday 24th April 2012 Westminster Hall

[Richard Graham]

The hon. Gentleman is implying that my argument is to beggar my neighbour, to give pupils in Gloucester a better chance. He is right in saying that a charge to the lowest common denominator to achieve equality is not necessarily what we are looking for, and that is not what I intend to propose. However, perhaps we will come on to the specifics of that in a moment.

Broadly, we have already established a degree of consensus in the debate—and I suspect across the House—that the principle of equal funding for every child in the country is one that we would all happily sign up to. The Secretary of State for Education has made it clear that that is his principle as well. Of course, the Government have, in a sense, made deprivation much easier to deal with by introducing the pupil premium, which hugely helps those children who come from very deprived backgrounds and who therefore deserve additional money being spent on them to give them the same opportunities as those children from more stable family backgrounds. We all agree on the principle, but what can be done about it? Given the length of time that the issue has been with us—some 20 years or more—and, I regret to say, the previous Government’s complete failure to tackle the problem, it falls upon the coalition Government to deal with it.

During the various debates that have already taken place in the House since the Government came to power, my right hon. Friend the Secretary of State for Education has perfectly summarised the issue. He has said:

“The current system is not only ludicrously bureaucratic, it is also unfair as schools in different parts of the country are not funded on a rational basis. Moreover, the sheer complexity of the system gives schools less incentive to respond to the needs of local parents by expanding or establishing new provision.”

With the exception of not alluding to the Schleswig-Holstein issue, he could not have put it better, and I do not suppose that any hon. Member here today would disagree with him. How do the Government therefore propose to create a fairer system that will enable those authorities in which our constituencies lie to be reassured that the Government can right the wrong that has been with us for more than 20 years?

Of course, I should say that the Government first launched a consultation. At the announcement of the consultation, Lord Hill determined that it would address the disparities and inequalities within our school system. The consultation was the first step towards ensuring fair funding. None the less, the Department for Education has been unable to find the additional money that would have provided the top-up to all those areas in the F40 group. That would have provided us with the simple one-stop solution of equal funding for all pupils across the land. In times of extremely constrained finance, it is not surprising—no one in our constituencies could conceivably blame the Government for this—that the additional significant amount of money needed to solve the problem in one go has not been found.

However, there has been good news in terms of a significant reduction in the factors that local authorities can consider when constructing school formula. The number of factors that need to be considered have dropped from 37 to 10, which will slightly reduce the complexity of the education funding formula, to which I alluded earlier, and make it easier for schools to understand the rationale behind their budgets. The consultation also arrived at a much greater delegation of funding to schools and will ensure that local authorities can no longer top-slice school budgets. Above all, given that 75% of the secondary schools in Gloucestershire are now academies, the consultation provided for academies to be funded using exactly the same formula as maintained schools, because there had been a year’s lag under the system inherited from the previous Government. That single change will make a significant difference to the academies in my constituency of Gloucester and elsewhere.

[Guy Opperman (Hexham) (Con)]

It is a bit like watching Martin Luther King in his prime. Is it not right that my hon. Friend has a dream, not only for all schools to be equal, but for the Schools Minister to give us the first step, the first indication and the first rung on the ladder to an equal and fair funding for all the schools we represent?

[Richard Graham]

Yes, apart from an alarming analogy with Martin Luther. [Hon. Members: “King.”] Martin Luther King—even more puzzling. Martin Luther was of course responsible for the great saying, “Who loves not wine, women and song remains a fool his whole life long,” but I do not think that that was the object of my hon. Friend’s attempt to introduce him into the debate. However, my hon. Friend’s fundamental point—that we are looking for an early gesture from the Government to reassure our constituents that they do not just have warm sounds, but an initial step towards resolving the funding problem—is absolutely right, and one that I think all hon. Members endorse.

There are budgetary challenges to finding a solution, but the F40 group has submitted various suggestions for interim funding proposals that would improve the situation considerably. It has put forward four options to make steps towards equality, not all of which are hugely expensive. It is not for me to ask for a specific amount of money or a specific formula for the Government to start the ball rolling, but I urge the Government to look closely at the F40 group’s proposals in the hope that one of them is attractive and affordable, and, above all, can be introduced for the academic year 2014-15—before the funding settlement of the next Government.

My main wish is for the Minister to take from the debate the thought that not only are the Government able to agree with the principle and the direction of travel, but they can make the first steps to implement financial change to show that this long, 20-year inequality will finally be tackled.

--- Later in debate ---

[Guy Opperman (Hexham) (Con)]

It is a great pleasure and privilege to speak in this debate that was so ably secured by my hon. Friend the Member for Gloucester (Richard Graham). We know that this is a debate about schools because everybody has started quoting famous names. By my account, we have had Shakespeare, Mark Twain, Martin Luther, Martin Luther King, and Reagan snuck in at the end. I prefer to take the Minister back to the ancient Chinese proverb of Lao Tzu who—as our eminent Education Minister will know—was the founder of Taoism and said that the longest journey begins with a single step. Is not the essence of this debate that we are all seeking that first step? It is not a large step; it could be a short step.

[Richard Graham]

Since my hon. Friend introduced Lao Tzu, he will no doubt also be aware of the more recent Chinese philosopher and statesman Deng Xiaoping’s great remark, “Yi bu yi bu”—one step at a time. Does my hon. Friend think that that is appropriate for the way in which we might resolve the issue of fair funding for schools?

[Guy Opperman]

I do, and I will reply with words from Sun Tzu who, when he talked about the art of war, said, “Know your enemy.” That is interesting given that there is no enemy present today, but does not the absence of Opposition Members—save for the shadow Minister, the hon. Member for Westminster North (Ms Buck), who will no doubt act robustly in defending the 13 years during which we all endured a funding gap—speak volumes?

I will move on from the happy badinage in which I and my hon. Friend have been engaged to say that like other hon. Members, I represent schools in Northumberland that look enviously at counties and cities that have a greater degree of funding. To put it simply, no change is not an option. As has happened to my hon. Friend the Member for Warrington South (David Mowat), school governors and head teachers have drawn me to one side and whispered surreptitiously in my ear, “Do you really understand how badly off we are compared with X, Y or Z?” To be frank, they are correct in that analysis of the deficiencies in the present funding system, and significant issues need to be addressed.

We all accept the fair point raised earlier about the fact that there is a financial deficit and restrictions apply, meaning that progress is slow. However, when I go to areas of social deprivation in my constituency—of which there are a significant number—I see schools that survive only because of head teachers and governors who go so far beyond the extra mile that I shake my head in wonder.

I remember going to Prudhoe Castle first school where the head explained how she bought things out of her own pocket because the budget would not cover many of the basics, including essentials such as pencils. I was taken round that school by the head girl who said, “We really would like the lighting to be improved, because at times we cannot see the blackboard.” On a day when I welcome St Joseph’s school to the House of Commons, it is significant that everybody—quite rightly—has made the strong and eloquent point that we are gravely indebted, particularly in schools where there is less funding, to the unbelievable work and unstinting commitment of our head teachers, governors, teachers and staff who work in those schools. I pay tribute to the many members of staff whom I have had the opportunity to meet, but with more than 40 schools in my constituency I have not been able to meet every one of them thus far.

I will conclude my remarks because it is important that we hear from the shadow Minister and the Minister. However, I echo everything that has been said and believe that we should be spending the money more equally. I endorse the great support for the pupil premium, and eagerly await the Minister indicating how far the first step will be.