Access to Banking: Devon
Debate between Simon Jupp and Jim Shannon(7 months ago)
Commons ChamberRead Full debate Read Hansard Text Read Debate Ministerial Extracts
Simon Jupp (East Devon) (Con)
I am delighted to have secured this important Adjournment debate on access to banking services and banking hubs in Devon. I welcome the Minister and colleagues to the debate.
Take a quick stroll down your nearest high street, Mr Deputy Speaker, and you will notice that there are fewer bank branches than there were in years gone by—far fewer. In 1992 there were 19,000 bank and building society branches in the UK. In 2022 the number of bank and building society branches had fallen from 19,000 to 8,000. That decline has not happened more quickly on any particular Government’s watch: the fall has been consistent and steady over the past 30 years. However, we have reached a tipping point; bank branches are getting scarce.
We notice when bank branches are gone altogether from our high streets. People cannot deposit cash or pay in cheques; businesses and charities cannot pop to the branch to refill their tills or bank their takings at the end of the day; and we no longer have friendly faces to talk to for financial advice. When bank branches are gone, people have to travel miles to apply for a loan or to arrange third-party access to start bereavement proceedings, for example. People tell me that when those branches are gone, managing their money becomes more difficult, if not impossible. People in my constituency travel to cities and towns such as Exeter or Honiton for their nearest branch. Every time a bank decides to shut its high street branch, my postbag fills up. I share those people’s frustration—I get it.
Jim Shannon (Strangford) (DUP)
I commend the hon. Member for securing the debate on this massive issue. Does he agree that banks’ abdication of their responsibilities to rural communities, which often have the worst transport, infrastructure and broadband connections, cannot be paved over with a users’ guide to online banking? At the very least, a hub that is accessible throughout the day and in the evening must be the minimum standard of service that any national bank must be required to provide for its customers.
Simon Jupp
The hon. Gentleman is absolutely right. I personally would benefit from a “how to bank online” guide, because it can be quite confusing, even for someone who is relatively technical. I thank him for his point.
It is not enough to say that bank branch closures are commercial decisions. Yes, the Government cannot intervene, and nor can I as an MP stop bank branches from closing, as much as I try. But we have reached a tipping point where enough is enough. Banks must provide core services to loyal customers on our high streets and stop washing their hands of their customers’ needs.
The banks claim that their branches on our high streets are increasingly outdated: they say that more customers are moving online and going cashless. That is broadly true, but it is not an excuse simply to pull up sticks and disappear. In fact, I believe that bank branch closures across the UK are forcing people to change their habits, but people still need access to cash and face-to-face banking services—the demand is definitely still there. To give a couple of statistics, 27% of over-65s and 58% of over-85s rely on face-to-face banking. Some among the older generation are not technophobes. In fact, they may have valid reasons for not wanting to do online banking. According to research by Age UK, fear of being defrauded and a lack of IT skills are common reasons why many people prefer face-to-face banking.
If the need for face-to-face banking is still there, what is the solution? That brings me to the second part of my speech.
Hospice Funding: Devon
Debate between Simon Jupp and Jim Shannon(10 months, 1 week ago)
Commons ChamberRead Full debate Read Hansard Text Read Debate Ministerial Extracts
Simon Jupp (East Devon) (Con)
I am delighted to have secured today’s important Adjournment debate on hospice funding in Devon. I welcome the Minister and colleagues to the debate.
A few years ago, at a dinner hosted by the Rotary Club of Exeter, I was sat between the Bishop of Exeter and Dr John Searle, the founder of Hospiscare, a brilliant local independent charity providing specialist care to people across our county. I must confess that it was a surreal experience for this 30-something-year-old from Devon who is more comfortable in a pub than at black tie dinners. They both spoke to me about local hospice services and the good work they do in Devon. Dr John Searle sadly passed away last year, and I pay tribute to his work, his compassion and his determination. Our society would be so much better off if we had more people like John, and I will always treasure the conversation we enjoyed.
Hospice services in Devon provide incredible support and comfort to those suffering from a terminal or long-term, life-limiting condition. Patients often have multiple conditions and complex needs, and often require a high level of support. As the Member for East Devon, I am acutely aware of the work and impact of hospices locally. Several charities provide hospice services across East Devon, and I want to pay tribute to the ones based in my constituency, Sidmouth Hospice at Home and Hospiscare. Sidmouth Hospice at Home has a day centre in Sidford, with a 24/7 specialist nursing team working with local NHS dementia services teams who benefit from the use of their building. I live in Sidmouth—they do us proud.
Jim Shannon (Strangford) (DUP)
On that point, will the hon. Gentleman give way?