Access to Cash

Debate between Sara Britcliffe and Alex Davies-Jones

Wednesday 20th October 2021 Westminster Hall

[Alex Davies-Jones]

I completely agree. In my constituency we have Dragonsavers, a vital service for local community groups, and the Welsh Labour Government are looking to set up Banc Cambria, so that we have banks on our high streets. They are looking at where it would be feasible to open branches.

While it is rare for me to have reason to doubly praise the Government, I am pleased to see that the plans outlined by the Treasury earlier this year suggest that people should not have to travel beyond a reasonable distance of around 1 km to withdraw or deposit cash. Such commitments are vital to the survival of cash circulation in this country, but as has been mentioned, only if the local geography of our towns and cities across the UK are taken into account when considering that 1 km radius.

For hon. Members not familiar with the south Wales valleys, my hon. Friend the Member for Ogmore (Chris Elmore) and I can assure them that our hills and beautiful valleys are not for the faint-hearted. These geographical barriers cannot be ignored when factoring in access to cash for community members, both now and in future. I therefore hope to hear from the Minister exactly how the Treasury plans to safeguard those vital services, particularly for those living in rural and semi-rural constituencies such as mine.

There is some hope, though. As hon. Members will be aware, LINK is a not-for-profit with a strong public interest remit that runs the UK’s largest free-to-use cash machine network. Instead of owning and operating those machines, LINK’s job is to ensure that every community has free access to cash by paying commercial incentives to ATM operators to put free machines where they are needed.

Indeed, after representations from a number of residents, I was thrilled to see LINK secure a new ATM at the village store in Efail Isaf in my constituency. The ATM is now secured for a minimum of five years, and it will go a long way to helping those in our area. For two years, LINK has invited communities to request free-to-use ATMs such as this one, and in that time it has installed more than 70 of them in response to local demand, alongside a year-long trial that saw LINK working with partners to develop a new way of accessing cash, by allowing consumers to withdraw cash over the counter from participating retailers.

I am pleased to see innovative steps being taken to secure access to cash for all those who need it. What will be essential, however, is maintaining those fantastic services. I truly believe the Government must act on the recommendations recently produced by Cardtronics and the Federation of Small Businesses, which ask Her Majesty’s Treasury to mandate bank membership of LINK in order to protect its fantastic withdrawing and free-to-use ATM delivery schemes.

In addition to my very real concerns about the impact of a potentially cashless society on certain populations, this conversation must also address the many logistical challenges and concerns around the largely inevitable shift to a cashless world. We need a long-term solution, whereas I fear the Treasury is currently in denial about the fact that we seem to be heading at a record pace for an almost wholly cashless society.

[Sara Britcliffe (Hyndburn) (Con)]

Speaking of the work of Cardtronics, one of the recommendations to the Government on protecting cash is that we should protect cash acceptance in our businesses. Does the hon. Lady agree that that is something the Government needs to consider?

[Alex Davies-Jones]

I completely agree. For many businesses in my seat in Pontypridd—in the market, for example, we have some brilliant stores—it is not feasible to take cards. We are talking about an average transaction of £1 for Welsh cakes from our great Welsh cake shops, for example; it just is not feasible for a business to take card payments when they are charged for those. It would massively reduce their profits and make their business completely unviable.

Steps can now be put in place to ease the shift to a cashless society. We have seen neighbouring countries switch their entire currency; while I am very reluctant to turn this into a debate on the euro, in fear of somehow reigniting the Brexit debate, if other nations have managed such a transition, we should be able to follow suit. With that in mind, I hope the Government’s promised access to cash Bill will include some form of commitment to setting up a regulatory body to ensure a smooth transition. That regulator could work with different interest groups, infrastructure providers and charities such as Age UK to support those most impacted through this transition period.

Of course, this recommendation has been well researched, notably by Natalie Ceeney, who chaired the initial access to cash review. I hope to hear more from the Minister on the issue, along with a timeline on when we can expect the legislation to come forward to the House.

My final point concerns the worrying trend of bank closures that we are seeing up and down the country. While I fully recognise that the Treasury is unable to interfere in decisions made by private corporations to remove their presence from the high street, we must acknowledge the devastating impact that those closures have on the availability of, and people’s access to, cash.

In preparation for this debate, I spoke to a number of people living in my area who have sadly been impacted by decisions made by both Lloyds TSB and HSBC to withdraw three branches from my constituency. While not all banking services relate to the process of depositing or withdrawing cash, it is undeniably those basic services that are the most missed when a bank chooses to leave the high street. With the role of the post office ever changing, it has been quite a confusing time for many residents in my area, who have felt forced to shift their ordinary banking practices as a consequence of these closures. With this in mind, I am particularly interested to know what plans the Government have to improve the availability of deposit-taking facilities across the county; I hope the Minister will refer to this in his remarks.

Ultimately, we need to see this promised access to cash Bill sooner rather than later; the big changes are happening in our communities right now. People across the country are already being negatively impacted, and I fear many more will be excluded unless action is rapidly taken. The Government have made a start, and I commend them on their commitment to preserving access to cash, but they need to follow through with specific action to protect those constituents of ours who fall into potentially vulnerable categories. I look forward to hearing from the Minster, and hearing what hon. Members have to say on this important issue. Diolch.

Domestic Abuse Bill

Debate between Sara Britcliffe and Alex Davies-Jones

Report stage & 3rd reading & Report stage: House of Commons
Monday 6th July 2020 Commons Chamber

[Alex Davies-Jones (Pontypridd) (Lab)]

Diolch, Madam Deputy Speaker. It is an honour to follow the hon. Member for Totnes (Anthony Mangnall), who spoke so passionately. I echo and support his calls.

It is an honour to speak on the Bill, which I know has the potential to change the lives of so many domestic abuse victims across the UK. Colleagues may be aware that I sat on the Bill Committee. We heard compelling evidence from a wide range of charities and campaign groups, including Women’s Aid, Welsh Women’s Aid and the Latin American Women’s Rights Service. I pay tribute to them for the fantastic work they do every day, although it is of course frustrating that their services are required and relied upon by so many victims in the first place.

I also pay tribute to my fantastic colleague, my hon. Friend the Member for Canterbury (Rosie Duffield). I know that her bravery in speaking up about her personal experiences has formed the inspiration for many of our speeches today. I thank her and admire her for her courage. I hope that by speaking up I can do my bit to ensure that the experiences of domestic abuse victims remain at the forefront.

It is clear that coronavirus has confirmed and exposed what I already knew to be true, based on experiences with domestic abuse victims in my own constituency: there is simply not enough protection and support for domestic abuse victims. Since December, my team and I have dealt with more cases of domestic abuse than I ever imagined possible. It feels as though domestic abuse is seen by many people as a hidden offence, something that happens in the newspapers, behind closed doors or somewhere else, but not to people on our doorsteps. The harsh reality is that domestic abuse is a very present threat to so many individuals in so many households. It is happening right now, right this minute.

Ultimately, 10 years of Tory austerity has impacted the ability of local authorities to fund the specialist services that support survivors of domestic abuse. I welcome the Bill, but it must go further to provide equal protection for all victims of domestic abuse: men, women and children. A one-size-fits-all approach to tackling domestic abuse will prolong the suffering of victims, so it is vital that we use this opportunity to ensure that the Bill commits to a co-ordinated cross-Government response to domestic abuse. The Bill must deliver the changes that survivors urgently need in all areas of their lives, from housing to healthcare, from immigration access to justice and to welfare reform.

The changes simply must apply to migrant women, who we know face a unique set of acute barriers when seeking support, coupled with the Home Office hostile environment. Migrant women face the unique threat of having their immigration status used as a form of coercive control, which may prevent them from seeking support. I find it hugely concerning that more than half the police forces in England and Wales confirmed, in response to freedom of information requests, that they share victims’ details with the Home Office for immigration control purposes. Surely, it is our duty to protect victims. They should be prioritised ahead of and above immigration action.

I would also like to take this opportunity to pay tribute to the fantastic work of Laura Richards and others for all their hard work in relation to new clause 33. Colleagues may be aware that domestic abuse currently costs society at least £66 billion a year, yet that estimate does not include stalking or the psychological impact of stalking. Therefore, the cost is likely to be much, much higher. It is clear that we could save the lives of many, if only the violent histories of domestic abuse perpetrators were actively joined-up. It is vital that our police, prison and probation services are able to identify, assess and manage serial and serious domestic violence perpetrators and stalkers ahead of them committing an offence. The Bill presents a real opportunity to better protect victims, intervene and prevent further abuse, but it does fall short of committing to a multi-agency problem-solving approach by statutory agencies.

To conclude, public protection must be at the forefront. Our current incident-led approach to patterned offences such as domestic abuse and stalking is costly with people’s lives, especially for victims.

[Sara Britcliffe (Hyndburn) (Con)]

After giving my maiden speech on the Second Reading of this landmark Bill, I would like to acknowledge the cross-party work since then in Committee that will rightly protect so many. I recognise the courage it will have taken for Members across this House to speak of their own experiences and for every victim who has come forward, including my constituents. They have shaped the Bill.