Financial Inclusion: Rural Areas

Steff Aquarone Excerpts

Wednesday 11th December 2024 Westminster Hall

[Anna Sabine]

I am sorry to hear about what is happening in Ilminster; it sounds very frustrating. I will talk a little more about banking hubs and why they are a good thing that we need more of.

Prosper Frome, an organisation in my constituency that focuses on improving financial accessibility, had been advocating for a banking hub for over a year before it was announced by Link and Cash Access UK in September. That was a great relief to residents, who were about to see their final bank close, but Jean and Sam at Prosper Frome believe that the scope for banking hubs is too narrow, and have been lobbying hard to get a banking hub included as part of a much wider community project, enabling the hub to be multi-purpose. Making banking hubs more diverse widens their appeal and can make banking and financial inclusion the anchor of the kinds of community third spaces that many towns currently lack.

[Steff Aquarone (North Norfolk) (LD)]

I congratulate my hon. Friend on securing this important debate. She is right to say that banking hubs are about more than just access to cash. In the market towns of North Norfolk, our small businesses need access to banking services, which full banking hubs can provide. Does my hon. Friend understand why residents of North Walsham are so frustrated that the outcome of their recent cash review was simply to give them a cash and deposit machine located in the local fried chicken shop?

[Anna Sabine]

That sounds very frustrating; I am sorry to hear it. I will talk about the importance of face-to-face contact in banking.

Shutting branches and opening banking hubs is currently financially efficient for banks, but there is a real risk that those banking hubs could close after a few years once the banks stop saving money and see the hubs as a drain on their profits instead of a benefit. We need reassurance about the long-term provision of banking hubs and a requirement on banks to keep funding them on an ongoing basis.

Waste and Recycling

Steff Aquarone Excerpts

Monday 9th December 2024 Commons Chamber

[Mary Creagh]

I share the hon. Gentleman’s impatience. I am old enough to remember, as Chair of the Environmental Audit Committee in 2017, hearing several predecessors of the right hon. Member for North East Cambridgeshire promising that we would have a DRS scheme. The hon. Member for Dewsbury and Batley (Iqbal Mohamed) is also right to say that there is no point in recycling if there is no end market. I welcomed the plastic packaging tax that was introduced under the prime ministership of Theresa May, which mandates a 30% recycled content. The question, where fossil fuels are very cheap, is how we drive business’s behaviour change, and that is under active consideration to ensure that there is an end market for the recyclates that are placed on the market.

On the hon. Gentleman’s question about the timescale, we laid the regulations for England and Northern Ireland before Parliament on 25 November and we plan for the regulations to come into force in late January, parliamentary time permitting. The Scottish Government will then make the necessary amendments to legislation in Scotland. After that, the three Governments will appoint the Deposit Management Organisation in April 2025, for which applications opened on Monday 2 December, so this is all hot off the press, and this is a timely debate. The aim is for the DRS to come into force on 1 October 2027.

However, there is much more to do. On Friday, I was delighted to visit Suez’s Malpass Farm facility in Rugby. Working in partnership with Cemex, Suez has provided 1 million tonnes of climafuel from non-recyclable waste, diverting it from landfill and reducing coal consumption in the neighbouring Cemex plant by 75,000 tonnes, thus enabling big industrial decarbonisation. Earlier today, I made a quick trip up to Newark to visit the Curry’s site, which is home to one of its unique repair centres. I saw how Curry’s, a great and proud British company, is using its resources and its market position to repair and refurbish broken phones, laptops and tablets, and I recommend its refurbishment website to anyone looking for a last-minute gift from Santa.

Such industrial partnerships, working together to maximise the value of resources, demonstrate the role that the resources and waste sector can play in supporting net zero and supporting economic growth. A high-performing resources and waste sector is key to driving a circular economy. However, waste crime threatens this by taking resources away from that circular economy and from the good businesses that want to do the right thing and make those green investments. I know that my hon. Friend the Member for Newcastle-under-Lyme (Adam Jogee) is interested in this, and I am glad to see him in his traditional place. Waste crime costs the country £1 billion a year, and we know that 18% of waste may be handled illegally at some point in the waste supply chain. That is around 34 million tonnes of waste every year. We are committed to tackling this scourge.

[Steff Aquarone (North Norfolk) (LD)]

The Minister has spoken about many different types of rubbish, but not where it often goes, which is to household waste recycling centres. Not content with the Tory tip tax, cash-strapped Norfolk county council has gone further in trying to encourage fly-tipping by creating a mad booking system for residents who want to use household waste recycling centres. Will the Minister extend the same guidance to household waste recycling centres that she has talked about extending to kerbside recycling schemes?

[Mary Creagh]

I am very happy to look at that, but I gently tell the hon. Gentleman that after more than a decade of austerity, providing more services with less money is a challenge, and many local councils have not been able to square that circle. Rather than indulging in thinking about what could be done in a perfect world, we have to look at the world we are in and ask, “What can we do?” It is clear that this three-legged stool of reforms will put some much-needed fresh cash into the system, so that the various municipal collections can be ready for the go-live dates, and there may be opportunities in that.

We have had several debates about fly-tipping, and there were more than 1 million fly-tipping incidents in 2022-23, which is 10% more than we had three years ago. As the hon. Member for Stockton West said, Stockton-on-Tees alone has had 1,700 fly-tipping incidents. We cannot allow these incidents to continue, and I pay tribute to the many local litter groups he has met. I will have the enjoyment of meeting the Aylesbury Wombles in Parliament this Wednesday, and there are little groups everywhere.

We want fly-tippers and vandals to clean up the mess they have created, and we must take back our country from these criminals who blight our communities and undermine legitimate businesses. I look forward to providing details on that.

Flood Preparedness: Norfolk

Steff Aquarone Excerpts

Wednesday 20th November 2024 Westminster Hall

[Steff Aquarone (North Norfolk) (LD)]

I beg to move,

That this House has considered flood preparedness in Norfolk.

It is a pleasure to serve under your chairmanship, Sir Christopher. I am delighted to have secured this important debate on flood preparedness in Norfolk, and I am pleased to see colleagues from across the county and across the parties. The hon. Member for Mid Norfolk (George Freeman) has long championed the issue, and I am pleased to join him in the fight. The challenges that we face are so significant and have such an impact that we have to come together to tackle them. I am pleased to be able to facilitate that today.

Norfolk’s seas and waterways are one of our country’s greatest treasures. Our rivers are enjoyed by many for swimming, paddling, kayaking and canoeing. The Norfolk broads are a much-loved national park: a unique waterway that nurtures flora and fauna, and keeps alive a great tradition of sailing and navigation. Our coastline and seas are precious for local residents and drive our tourism economy. They even brought a visit from the Liberal Democrat leader, my right hon. Friend the Member for Kingston and Surbiton (Ed Davey), who enjoyed a dip in the sea in Sheringham with me during the election campaign.

Norfolk’s landscapes are also low-lying and flat, filled with farmland and floodplains. While that combination of waterways and low-lying land contributes to Norfolk’s being the most beautiful county in the country, it presents a perfect storm for flooding problems. Hundreds of years ago, the Norfolk broads were simply a huge estuary. Work over the centuries has tamed the waterways into what they are today, but without continued work, nature will simply return our area to the North sea. In the words of my local water management director, we have to “make maintenance sexy!” The Romans began the work, and it would be a tragedy if this were the generation that finally gave up. Not on my watch.

There are very few areas of Norfolk that are not afflicted by flooding concerns. I hear worries from residents all over my constituency, from councillors and colleagues around the county, and from the agencies that work so hard to alleviate such problems.

[Calum Miller (Bicester and Woodstock) (LD)]

My constituency is a long way from my hon. Friend’s, but it is criss-crossed by rivers. Last month my residents suffered an inundation, when we had a month’s rainfall in one day. Does he agree that one of the challenges is the lack of co-ordination between the multitude of agencies that have responsibility for this area? Does he also agree that the legacy of the last Conservative Government was the underfunding of the Department for Environment, Food and Rural Affairs and of local planning authorities, which affected their flood prevention activities?

[Steff Aquarone]

I agree with both of my hon. Friend’s points, and I will speak about them in a moment. My hope is that by solving the issue of joined-up working in Norfolk, we can transport that model to his constituency and elsewhere.

A key motivation of mine in securing a debate on this issue at this time was the important public meeting I chaired recently in Hickling. Nine different agencies sent their representatives to share the work they are undertaking to prevent flooding in the area. They also told us of their personal fears and frustrations. They spoke of the challenges with the funding system and our changing climate, and of the regulations and responsibilities that are stymying their ability to make change.

[Jerome Mayhew (Broadland and Fakenham) (Con)]

I congratulate the hon. Member on securing this important debate. He is right that there are a multitude of agencies that have partial responsibility, creating a network of overlapping duties and responsibilities. We are lucky in Norfolk that we have the Norfolk Strategic Flooding Alliance, under the capable directorship of Henry Cator, a constituent of mine. Will the hon. Member take this opportunity to congratulate the alliance and Mr Cator, and will he focus on the absolute importance of strategic dredging, particularly in the Norfolk broads?

[Steff Aquarone]

I thank the hon. Member for his work on flood prevention, and I absolutely echo his sentiments. I will be quoting Henry Cator in just a moment. He was on the panel I mentioned, and I pledged to him and others that I would support them in tackling all of this. That meeting allowed the agencies to hear directly from local residents about their experience and knowledge of the area, developed over decades, and to factor it into their plans and ensure that the community and relevant agencies work in lockstep as they bring forward a more flood-resilient future for the affected broads villages.

Residents of North Norfolk have endless stories of how flooding has impacted them and their community. I heard from a business owner in the boating industry who has spent £40,000 fixing the impact of flooding on the marina that she manages. Another local business estimates that it lost out on £140,000 of revenue during a period when it could not operate because of flood damage. Even the most basic things are made harder: one resident apologised to me that their response to my invitation to the meeting I mentioned was delayed because their driveway was flooded and impassable for the postman.

In the short term, we must look at the fundamental issues across all levels of government that have allowed the situation to get as bad as it has. The agencies I met with are working incredibly hard, but they can only work with what they have. A major issue that many of them face is that their funding settlements are rarely delivered more than one year ahead.

[Sarah Dyke (Glastonbury and Somerton) (LD)]

I congratulate my hon. Friend on securing this important debate. I also live far away from Norfolk, but Somerset obviously has a record of flooding—in fact, it is named Somerset because it was the county where people lived in summer. Environment Agency data shows that 2,692 properties in my constituency are at risk of flooding, and unless basic maintenance is conducted on drainage and flood-defence systems, the figure will continue to rise. Does my hon. Friend agree that it is wrong for the Environment Agency to have a £34 million deficit in its maintenance budget?

[Steff Aquarone]

I totally agree. Lots of money is already there, not to mention the stuff that is missing, but we have to use it in a more joined-up and strategic way. I could go on, but I will return to my speech.

The projects that need to be undertaken to make a real difference will take time, but they will have a huge payoff. Being forced into short-term thinking means that the responsible agencies cannot make secure plans to take the strategic actions they need to. I hope that the Minister will consider changing the arrangement to give the responsible agencies the ability to set longer-term budgets. That would be a huge boost to their medium and long-term planning, and could get off the ground so many vital flood-alleviation projects that are being stalled by the current funding set-up. As the chair of the Norfolk Strategic Flooding Alliance succinctly put it to me:

“Prevention is a lot less expensive than flooding.”

In fact, every pound spent on prevention prevents a further £14 of damage. I hope that the Minister will seriously reflect on that, particularly in the light of the comments of my hon. Friend the Member for Glastonbury and Somerton (Sarah Dyke).

Frustratingly, in many cases, it is not just the money that is lacking, but the necessary power to make change. The responsibilities and powers are broken up and siloed across councils, agencies and statutory bodies; all of them have expertise and experience, but it cannot be easily shared between them. I ask simply but kindly: why does it take nine months and two public meetings to decide what to do and how to spend the money we already have? I would love to tour my constituency bringing the kind of meeting I mentioned to every community, but that is simply not the most effective way of delivering the action that residents are crying out for.

The Netherlands has a Ministry of Infrastructure and Water Management: a clearly responsible Department with the power to tackle an issue that is fundamental to that nation. We must accept that Britain floods—it always has done. A joined-up approach, with a clearly responsible body, is the only way we can ensure that powers are collected sensibly to allow for funding and direction decisions to be made in the best interests of communities.

Let us take a look at how flood prevention actually functions in the area that I and my Norfolk colleagues represent—I refer Members to my entry in the Register of Members’ Financial Interests, as I am a Norfolk county councillor. Norfolk county council is the lead flood authority, but it does not have the money to tackle the issues that it reports on. The council’s scrutiny committee considered that just yesterday, and concluded that there needs to be a focus on legislation to make it fit for purpose. After every serious event, it writes useful, sensible and impactful flood prevention reports, which outline how to prevent flooding from happening again, but once it finishes its reports, it has nowhere near the necessary money to implement any of its own recommendations.

That set-up would be utterly farcical if it were not so serious. It seems that my residents need all the stars to align to make anything happen, and that will not cut the mustard as water pours into their front rooms and destroys their belongings.

[David Chadwick (Brecon, Radnor and Cwm Tawe) (LD)]

I thank my hon. Friend for giving some excellent examples, particularly from the Netherlands, which is wonderful at water management. Like him, many across my constituency have to deal with the impact of flooding year after year. Does he agree that to tackle flooding, we must improve the management of land upstream, including the restoration of peatlands, heathlands and native woodlands, and that our farmers are great allies in this quest?

[Steff Aquarone]

I thank my hon. Friend for his intervention. In my experience as a county councillor over the past seven years, I have seen changing attitudes in the farming community, with farmers having moved from wanting to get the water off their land and into the river system as soon as possible, to wanting to build attenuation methods upstream and upland to help prevent flooding further downland, but they face planning barriers and all sorts of other hurdles that make that practically unviable.

I want to touch on the issues faced by our farmers in North Norfolk. As well as talking to me yesterday about inheritance tax changes, many farmers raised concerns about how flooding impacts their land. Access to the farming recovery fund seems, to my farmers and me, to be scattergun and confusing; the restrictive criteria mean that some are receiving payouts for land that has hardly been touched by flooding, while not receiving anything for land that has spent months underwater, simply because they are either lucky or unlucky with DEFRA criteria and algorithms.

William, a farmer in my constituency, told me yesterday that he had 30 acres of potato crop waterlogged for months on end, and totally unharvestable. He lost £100,000-worth of potatoes, but received no payout because he was told his land was not eligible. We know that our farmers operate on the slimmest profit margins to feed our country, and flooding is yet another challenge hammering them and their businesses. Norfolk’s farmers feel that they are being punished by the quirks of the system, and are in the dark about how to get the help that they need.

The Minister has heard me raise a lot of problems so far, but I want to reassure her that the Government can achieve some quick wins. There are some things with simple solutions. First, we need to ensure that the insurance landscape for flooding is viable. I am appreciative of the Flood Re scheme, but we must ensure that it will achieve its mission to create a risk-reflective pricing model by the time it exits the market in 2039, and that it covers all types of flood risk, including coastal erosion, which rapidly eats away at the North Norfolk coast.

I also feel that we need to place a greater duty on our insurers to carry out the actions in flood prevention reports after incidents occur. Insurers currently put properties back to the state they were in before the flooding, rather than being required to support residents to ensure that the flooding cannot happen again. For example, why are insurers replacing ankle-height sockets in properties they know could flood again, when logic would dictate that they need to be moved higher up to protect them in the future? My residents have been left in a scenario where they know what needs to happen to prevent future flooding, but the actions are not forthcoming. It is totally unacceptable, and I hope the Minister will indicate that she is open to reviewing this area of law, if that is the reform we need to fix these issues.

There is a very real human impact of the failings of this set-up. I have spoken with one of my constituents who has been flooded twice, forced to move out of her home for months, and still struggles to secure the changes she needs to avoid yet more flooding. Anglian Water is responsible for increasing the drainage capacity, the highways department is responsible for trying to redirect the water flow off the road away from her property, and her insurers have to help her piece her life back together again. All those agencies and organisations have been unable to secure funding or have been limited in their powers. She will want to hear from the Minister today an assurance that she will not carry on falling through the cracks and being a repeat victim of predictable problems, and will finally receive the long-lasting solution she needs and deserves.

Whenever we discuss damaging floods, which are becoming all the more regular, we must address the elephant in the room that is man-made climate change. It is no coincidence that we see more extreme weather events, storms and flooding when our climate is being so drastically damaged. If we do not deviate from the course of climate crisis, resilience measures will become obsolete as the emergency worsens. The current modelling on what we need to prevent and alleviate flooding looks backwards at data and trends from the past, but climate change is bringing extreme weather and flooding that we have never seen before. If we cannot handle what has gone before, we do not stand a chance of tackling what has yet to come. We have to incorporate the climate emergency into our thinking on this issue far more realistically.

Norfolk is proudly at the cutting edge of the green energy transformation that we need to fight climate change. We are proud to be playing our part in saving the planet, but if the homes of those working on these projects, and the businesses and suppliers for them, are flooding, and the infrastructure itself is at risk of flooding, we cannot help. We want to play our part and we need the support to do so.

I hope the Government can think holistically when tackling the challenges of flooding. It is not just an environment issue; it impacts our local economy, our emergency services and our health systems. I fear the cost of failure here simply is not understood, but I can assure the Government that they cannot afford it. While we are talking about Norfolk today, improving flood preparedness across the country will positively impact so much more than just the people whose homes and businesses are flooding today.

This challenge is immediate. The time for waiting around and delay has long passed and we are staring down the barrel of a tough—and possibly disastrous—winter. This is not about just protecting the highest possible number of chimney pots, but preserving a beautiful, historic natural landscape and a way of life that has served Norfolk for generations. I hope that as the Government listen to the contributions in this debate and consider their future actions as a result, in the forefront of their minds are the affected residents and business owners, villages such as Hickling and Potter Heigham, and the communities begging us not to carry on with the status quo.

Rural Affairs

Steff Aquarone Excerpts

Monday 11th November 2024 Commons Chamber

[Steff Aquarone (North Norfolk) (LD)]

I and residents and visitors alike love North Norfolk. However, we have to be honest about the challenges that rural areas like mine face, and about the changes and support that we need to tackle them.

Ten days ago, I had the pleasure of chairing a public meeting in the village of Hickling about the flooding issues facing the area. We brought together key stakeholders from no fewer than nine agencies to discuss with villages how we can prevent the cycle of flooding that has plagued the area for years on end. I was delighted to hear those agencies’ clear desire to work together in a more joined-up way, but they were all resolved on the need for longer-term planning. Giving budgets only one year at a time is not good enough for forward planning, let alone for investing in partnerships, strategies and skills.

The same goes for coastal erosion. We are part of the fastest-eroding coastline in north-west Europe. That erosion has a very real human impact: sadly, Bryony is soon to join the list of Happisburgh residents who have been forced to leave their forever home as the coastline erodes. She is passionate about making sure that more residents do not find themselves in the heartbreaking situation of losing the home they love to the North sea. Local campaign groups and councils are doing what they can to mitigate the effects, but they cannot keep to-ing and fro-ing between project funding. We need a joined-up strategy along the entire coastline to protect our beautiful environment, our heritage and our way of life, not just the highest possible number of chimney pots.

Buses in our villages and market towns are the only way many people can make it to work, education, medical appointments or shops and meet their friends and family. We need to radically rethink the delivery of public transport in rural areas like mine and create a network that really works for the communities it serves. I welcome the Government’s steps forward on bus franchising measures, but Norfolk needs greater powers to deliver change. I really hope that as the Government return to the drawing board—not their fault—on a devolution deal for our area, they will reflect on how giving greater powers to our community to design and deliver services could unlock Norfolk’s potential.

I must mention the deep concern across North Norfolk about the family farm tax included in the Budget. The Secretary of State made a good impression on farmers in Norfolk. “He gets it,” they said, and I think he does, so this must be really hard and uncomfortable for him and his team. Farmers have been the backbone of North Norfolk for generations—everybody knows a farming family or is in one—but they are really worried about their future. Others are worried about the impact on our area. I fear that the Government are just not in tune with what is happening to family farms in small areas like mine. They must tune into the realities. I am proud to speak up for farmers and farming today, and I will keep doing it at every opportunity. I love living in my rural area, and it is a pleasure to raise my children there, but we cannot accept half measures on the challenges we face. We need a better rural deal from Government, and dedicated, long-term strategies to protect our rural and coastal places.

Future of Fishing

Steff Aquarone Excerpts

Tuesday 5th November 2024 Westminster Hall

[Caroline Voaden]

I absolutely agree that we need collaboration between science and the fishing industry to make sure that we have sustainable fishing stocks and a productive fishing industry that can survive.

The hon. Lady predicted the next part of my speech: the new Labour Government must increase funding for marine research and work with fishers to implement sustainable fishing measures. We need more selective gear, better bycatch policies and fair quotas based on scientific evidence. In the long term, we should aim for gold-plated sustainable fishing practices across the UK that reflect our commitment to environmental sustainability and our understanding that healthy fish stocks are the bedrock of the industry.

[Steff Aquarone (North Norfolk) (LD)]

My hon. Friend mentioned bedrocks. As she may know, the North Norfolk coast is a perfect place for oyster beds. We have a number of flourishing businesses in the sector. I am sure she is also aware that oysters are excellent at sequestering carbon from the atmosphere and can play their own special part in tackling the climate emergency. Does she agree that innovative solutions like this can be beneficial to the future of fishing and to the future of our planet?

[Caroline Voaden]

I completely agree. There are oyster farmers in my constituency who are currently doing battle with the Duchy of Cornwall, which wants to get rid of them. We are trying to ensure that they are allowed to stay. We must also invest in growth for the UK seafood sector. That means investing in modernised port facilities and processing plants to maximise the value of each catch. In Brixham, we have seen tremendous success in recent years, but the industry needs further investment across the UK. That will support ailing coastal communities as well as the fishing industry.

Lastly, we must consider marine spatial squeeze. Fishing grounds, marine protected areas and now renewable offshore energy installations are all competing for the same space, yet the fishing industry is asked merely to consult on plans for new renewables. Why is the industry not consulted at the outset to find suitable locations for offshore wind? Giving them just a few weeks to respond to plans that have already been laid out is insulting and inadequate.

To conclude, as we approach the renegotiations for 2026, we have a unique opportunity to redefine the fishing industry’s future—a future in which ports like Brixham can not only survive but thrive, where fishers are the respected custodians of our seas, and where our coastal communities can prosper as they rightly deserve. I look forward to us working together across the House for the benefit of all our fishing communities.

Independent Water Commission

Steff Aquarone Excerpts

Wednesday 23rd October 2024 Commons Chamber

[Steve Reed]

Diolch yn fawr i chi. I would be very happy to visit Monmouthshire. It is important that we look at the situation with water across catchments, particularly where it is crossing borders between England and Wales. The fact that this commission is jointly commissioned by both Governments and will report to both Governments will ensure that is what happens.

[Steff Aquarone (North Norfolk) (LD)]

I am pleased to see action coming forward from the Government on this, but we know that they need to go further and faster on this issue. In North Norfolk, much of the infrastructure dates from the 1970s and 1980s. Then, a just-about-managing approach was taken to construction and clearly it is no longer managing the situation. Can the Minister confirm that this commission will look specifically at directing investment from water companies to infrastructure upgrades as and where they are needed?

[Steve Reed]

We certainly need fast action after 14 years of absolutely nothing. The commission will point the way to resetting the sector for the future, and will seek to establish a system that will do exactly what the hon. Gentleman talks about.