Northern Ireland (Executive Formation etc) Act 2019

Debate between Stella Creasy and Jim Shannon

Monday 28th October 2019 Commons Chamber

[Jim Shannon]

I thank my hon. Friend and colleague for raising that. He is absolutely right. The request was made and the Under-Secretary of State said that he would respond, but unfortunately that has not yet happened. That would have been immensely helpful for this debate tonight.

Even in England prior to 1967, back-street abortions were always illegal. Rather than acknowledging the point, however, the Northern Ireland Office has sought rather disingenuously to point to the Northern Ireland guidance as if it offered protection to pregnant women comparable to that of the law. The guidance, however, has no legal weight unless it is referring directly to statute, and for the most part it is merely saying what the NHS, which is under Government control, will do and making suggestions about what everyone else should do.

The suggestion that there is an appropriate substitute for the law is clearly not true and completely inappropriate, given the important matter at hand: women’s safety. While the Northern Ireland Office can encourage people to act in a particular way through guidance, it cannot require people to act.

[Stella Creasy (Walthamstow) (Lab/Co-op)]

I thank the hon. Gentleman for giving way because he has raised this issue before. Let me try to be helpful to the Secretary of State by referring to the guidance that he has issued about this very point. It is simply not the case that there are no regulations. In particular, abortion pills are a prescription-only medicine, the sale and supply of which are unlawful without a prescription, and that is not affected by any of the changes that came into law last week.

The suggestion that somehow there is no regulation of access to abortion medication is misplaced. I understand that the hon. Gentleman has that concern, but if he reads the regulations and looks at the existing medical regulations about abortifacients, he will find that regulation is in place. I hope that the Secretary of State, who probably has not got round to writing the letter to the hon. Gentleman, will find that a helpful intervention.

[Jim Shannon]

I am very capable of reading the information. The information that I have is contrary to what the hon. Lady has just said.

Northern Ireland (Executive Formation etc) Act 2019 Section 3(5)

Debate between Stella Creasy and Jim Shannon

Wednesday 16th October 2019 Commons Chamber

[Jim Shannon]

I thank my hon. Friend for her intervention. She has made the case clearly, and I agree with her.

[Stella Creasy]

Will the hon. Gentleman give way?

[Jim Shannon]

The hon. Lady has had her chance.

It would have been one thing for this House to vote to impose abortion on Northern Ireland in the face of every Member of Parliament representing Northern Ireland voting against the measure, in the knowledge that the most recent abortion vote of any UK legislature on primary legislation was in the Northern Ireland Assembly in February 2016, when the people who should be making the decision voted not to change our law in any way. A national opinion poll last week showed that the majority of people in Northern Ireland do not want to see the liberalisation of abortion planned by Members of this House.

When I think about what will be imposed on my part of the United Kingdom from Tuesday, I am left utterly speechless. Between 22 October 2019 and 31 March 2020, the only law on this that will be in place in Northern Ireland will be the Criminal Justice Act (Northern Ireland) 1945, which is not engaged until the point at which a child is capable of being born alive. That effectively means that we would have a legal void in protections for the unborn until at least 21 weeks of gestation, and potentially up to 28 weeks’ gestation. It means that from Tuesday some unborn animals subject to research will have more statutory protection in Northern Ireland, thanks to the Animals (Scientific Procedures) Act 1986, than some unborn human beings. It is absolutely unbelievable that anyone would do this, and the Members responsible need to look at themselves very seriously. It is deeply troubling.

It also means that from Tuesday, quite unlike any other part of the United Kingdom, we will effectively have unregulated abortions, with all the attendant risks for women. The Government say in this report that they intend that the NHS will not significantly change the way it provides abortions until 31 March, but I find the emphasis that they place on this deeply disturbing. The Minister knows that; I spoke to him this afternoon about it.

Abortions need not come from the NHS. From Tuesday, it will be legal for private clinics to provide abortions in Northern Ireland. The Independent Health Care Regulations (Northern Ireland) 2005 place a statutory duty on the Regulation and Quality Improvement Authority to register and inspect independent hospitals and clinics that meet the stated requirement for registration, but those regulations are wholly inadequate. We must have legislation in place that protects people.

Currently, there are two conditions that would require an independent clinic to be registered with the RQIA: the first is that an independent clinic intends to carry out a prescribed technique or make use of prescribed technology; and the second that a medical practitioner working in the clinic is not otherwise engaged in providing services to health and social care in Northern Ireland. Abortion provision is not a prescribed technique or technology under the regulations, which means that only independent clinics that do not employ any doctors who also work for the NHS will be subject to this regulation. Again, a minefield of regulation.

Moreover, and this is of huge concern, this regulation will be quite unlike that pertaining to abortion clinics in England, where the activity of providing abortions is subject to abortion-specific regulation and the premises are subject to abortion-specific regulation and a series of abortion-specific required operating standard procedures. It is about the technical parts of the procedure. The Minister knows this; we talked about it this afternoon. None of those abortion-specific regulations will apply in Northern Ireland on Tuesday for at least five months.

Another important safeguard that currently applies in England but will not apply in Northern Ireland on Tuesday is regulation 20 of the Care Quality Commission (Registration) Regulations 2009, which deals with requirements relating to the termination of pregnancies. What is most shocking, however, is that the change in law means that from Tuesday there will be nothing to prevent someone without any medical qualifications at all from offering abortion services. With respect, I say that Government will thus cross a line that has never been crossed before: Government will potentially make backstreet abortions legal. This should not be about going back to the pre-1967 days, but it will be on Tuesday unless the Assembly returns by Monday. That recall is in process and hopefully can be achieved; if it can, this can be stopped, and the responsibility will lie with the Northern Ireland Assembly’s elected representatives, as it should.

Regardless of what one thinks about abortion, we cannot countenance this outrageous legislative framework for a day, let alone five months. In that context, I have a simple question for the Government and those in the Northern Ireland Office specifically: what were Government thinking when they agreed to the text of section 9 of the 2019 Act in the other place? They could have stood up for the women of Northern Ireland, as I am doing tonight, for the unborn and for babies alive in the womb, and pointed out that the safety implications of what section 9 proposed were just as inappropriate for the women of Northern Ireland as they would be for the women of England. They did not. This has to count as one of the most serious failures of governance that I have ever encountered. I say this honestly and respectfully to the Minister and to Government.

Reproductive Rights

Debate between Stella Creasy and Jim Shannon

Wednesday 16th May 2018 Westminster Hall

[Stella Creasy (Walthamstow) (Lab/Co-op)]

I beg to move,

That this House has considered access to reproductive rights around the world.

It is a pleasure to serve under your chairmanship, Mr Hosie, in a debate that should concern everybody in the country who is committed to equality. Abortion lies at the heart of equality for women, and men and women can never truly be equal until they have equal control over their own bodies. Abortion is the most common procedure that women of reproductive age undergo, and one in three women in Britain under the age of 45 have an abortion in their lifetime. In truth, those of us committed to equality and to ensuring that women are able to make choices about their own bodies can never be too vigilant, or think that the law in this country, let alone around the world, brings us equality and human rights. That is because there are continued attacks on that basic freedom for women, and that is what the debate is about.

I have seen and read the Minister’s words, and he knows that I am a fan of his persuasive abilities. However, I want to test whether the Government will learn the lesson of the suffragette movement, which is that it is deeds not words that matter, especially when it comes to equality. The Government must not simply say that they are committed to ensuring that women have the right to decide their own sexual and reproductive health; it matters that they act, including in response to any threats to that right.

There is a big variation around the world in access to abortion. Although 98% of countries permit abortion to save the life of a woman, only 62% allow it to preserve a woman’s mental health, and 63% to preserve a woman’s physical health. Only 27% of countries provide abortion on request. There has been some progress. For example, in recent years there has been a heated national debate in Bolivia when it was discovered that women were being turned in by their healthcare providers. A 16-year-old girl who arrived at hospital haemorrhaging was later apprehended and accused by hospital staff of having had an abortion. New legislation in Bolivia now allows abortion in the first eight weeks of pregnancy for a broad range of circumstances.

Canada decriminalised abortion in 1988. As a result, not only is Canada’s abortion rate lower than in the United Kingdom, but it enjoys the world’s lowest rate of maternal mortality from abortion. Abortion is legal in many parts of South Asia, including India, Nepal and Bangladesh, although it is not always accessible. In some African countries, for example, South Africa and Ethiopia, abortion is permissible and reasonably accessible.

[Jim Shannon (Strangford) (DUP)]

Does the hon. Lady agree that sensitivity to African culture must be foremost when dealing in and with African nations, and that we must always take into account their belief systems regarding sexual health and reproduction?

[Stella Creasy]

First and foremost, we should listen to African women, and they are consistently clear that they would like control over their own bodies. Being forced to continue an unwanted pregnancy is no freedom or liberation at all.

For every country where there is progress, we also see the tightening grip of the anti-choice movement. Let us not call it “pro-life”; there is nothing pro-life about forcing a woman to continue an unwanted pregnancy. In Europe—our own continent—Poland now has some of the strictest rules on abortion in the world, and abortion is allowed only if the pregnancy is the result of rape or incest, if the woman’s life is in danger, or in cases of severe or fatal foetal abnormality. Consequently, 80,000 Polish women a year go abroad or seek illegal abortions at home.

America now has a President who says that women should be “punished” if they have an abortion, and a Vice-President who believes that women who have a miscarriage should report it and hold a funeral. One Governor signed a law that states that it is illegal to have an abortion once a foetal heartbeat has been detected. Given that heartbeats can be detected as early as six weeks into a pregnancy—sometimes before a women even realises she is pregnant—that is no freedom or liberation at all.

In El Salvador, abortion is illegal with no exceptions, and that horrendous ban violates the basic human rights of women in that country. At least 23 women and girls remain in prison as a result of the abortion ban, and one woman, Teodora del Carmen Vasquez, walked out of prison a few weeks ago after more than a decade of imprisonment. She was marked as a criminal because she began bleeding and suffered a stillbirth. She was sentenced to 30 years for aggravated homicide, and released only after the Supreme Court ruled that there was not enough evidence to show that she had killed her baby. Abortion may be permitted in Rwanda, but Rwandan police unjustly arrest and imprison hundreds of women on abortion-related charges—such women make up 25% of the female prison population.

The number of maternal deaths resulting from illegal abortions represents the truth: banning abortion does not stop abortion; it simply makes it unsafe. In Africa, a quarter of all those who have an unsafe abortion are adolescent girls. Indeed, about half of the 20,000 Nigerian women who die from unsafe abortions each year are adolescents. It is insulting to suggest that African women do not deserve the rights that we would fight for in our country and around the world. Africa shows us how vital international aid is, as is the job that the Minister is intended to do. Abortion is relatively legal in Zambia, but only 16% of women have access to abortion facilities—in Zambia’s Central Province, there is just one medical doctor for more than 110,000 patients.

Closer to home we see the impact of restrictions on access to healthcare services for women. In the Republic of Ireland, the Protection of Life during Pregnancy Act 2013 imposed an almost total criminalisation of abortion. Ireland is one of a few countries in Europe with such highly restrictive abortion laws. The Irish constitution currently affords equal rights to the life of a foetus and to the life of a woman. However, the 18,000 women from Ireland who have travelled to the UK since 2012 reflect the fact that stopping access to abortion does not stop abortion, it just puts people at risk, including—increasingly—at risk from taking pills they have bought online. At the end of this week the Irish will go to the polls. I plead for dignity, for compassion in a crisis, and to ensure that every Irish person can care for their own at home, that there will be a yes vote.

But who are we to lecture? We should not forget how we treat women in our own backyard, particularly in Northern Ireland, which has some of the harshest laws and punishments in Europe for women who undergo an abortion. A woman with an unwanted pregnancy in Northern Ireland must either travel to the mainland or procure abortion pills online. Since the Government agreed to fund those abortions on the NHS, more than 700 women have travelled to England or Scotland from Northern Ireland. However, those are the women who are able to travel and get away from family commitments, who are not in a coercive relationship, and who have their travel documents. Little wonder that the United Nations condemned the United Kingdom for its treatment of Northern Irish women, which it called cruel, degrading and inhuman.

The Minister might say that each of those examples is due to separate policy decisions in those countries, but I want to sound the alarm and call attention to the fact that that might not be the case. Increasingly, around the world, far-right organisations and extreme religious groups are co-ordinating and funding anti-abortion and anti-choice campaigns. We in this House are used to debating the impact of foreign countries interfering in our democracy—perhaps in referendums—and we should be alive to the fact that those foreign organisations and countries are interfering in a woman’s basic right to choose. The real “The Handmaid’s Tale” is now unfolding.

In 2013, American and European campaigners met in this capital city to plan their campaign. It is called Restoring the Natural Order: an Agenda for Europe, and it seeks to overturn basic laws on human rights related to sexuality and reproduction. Since that meeting, we have seen the impact of those organisations, and the funding they have provided. We have seen how they produced results in Poland with the ban on abortion, and with bans on equal marriage in several central European countries and action on LGBT rights. We have seen how they have targeted international aid in the UK, Europe and America.

In 2013-14 the European Citizens Initiative, One of Us, called on the European Commission to propose legislation that would ensure that EU funds could not be used to fund abortion. It garnered 1.7 million signatures, and although the EU rejected that petition, given the impact it would have on women’s healthcare, that was by no means a one-off. Such rhetoric is coming back.

Credit Cards: Cost Regulation

Debate between Stella Creasy and Jim Shannon

Wednesday 7th February 2018 Westminster Hall

[Stella Creasy (Walthamstow) (Lab/Co-op)]

I beg to move,

That this House has considered regulation of the cost of credit cards.

It is a pleasure to serve under your chairmanship, Mr McCabe. I hope that by the end of the debate we will actually have done more than consider the cost of credit cards. This is a familiar place for me to come to raise concerns with Ministers about personal debt in this country. However, I hope that I get a better hearing today than I did several years ago, when I came here repeatedly to warn the Government about the dangers of payday lending, because I believe that we are again on the cusp of another massive personal debt crisis in this country. There are proactive things that we can do to tackle that, one of which is dealing with credit cards.

We have to be honest: this is a nation in debt up to its eyeballs. Individuals actually owe more than the Government, with total household debt standing at £1.23 trillion. Most of that total is mortgage debt, but £117 billion of it is from credit cards and loans—a 15% increase in the last couple of years alone. The average UK household now has £14,000-worth of debt, and that is expected to rise to £19,000 of unsecured personal debt by the end of this Parliament. It is little wonder that the number of people going bankrupt in this country is soaring. Indeed, the number of people taking out individual voluntary arrangements is also soaring.

[Jim Shannon (Strangford) (DUP)]

I thank the hon. Lady for securing this pertinent and important debate. Does she agree that credit card companies must play their part in ensuring that small retailers are still able to use card machines as a payment option? It must be the credit card companies, not the small businesses, that pay the bill.

[Stella Creasy]

I appreciate that the hon. Gentleman has a particular concern. I hope I can convince him that the regulation of credit cards that I am interested in is about their cost to the consumer in the first instance.

I do not think the reason we have such a personal debt crisis in this country is rocket science. There is simply too much month at the end of the money for too many people. We now know that economic insecurity is the new normal, with at least 70% of Britain’s working population defined as “chronically broke”. Some 32% of UK workers have less than £500 in savings, and 41% less than £1,000. Almost 30% are desperately concerned about their debt, because it is not just about everyday living costs; it is about the financial shock that might come because someone loses their job or their relationship breaks down. Too many people live on that edge now.

It is worrying that, unlike in previous years when insolvency rates have increased so much, unemployment rates are still dropping. That tells us that people are in full-time work, but are still unable to pay the basic costs of living, such as utility bills and rent. Combine that with inflation increasing at about 3% a year and stagnating wages, and it is not hard to see why personal debt is booming in this country.

--- Later in debate ---

[Stella Creasy]

I completely agree with my hon. Friend. The idea is that this is just a problem for a few hundred thousand people, but debt, worrying about debt and the causes of debt are mainstream concerns in this country. Debt management, debt advice and the work of Citizens Advice is very important, but I also believe that, when we see these problems growing again, there is a role for us to step in before they get any worse. I made a call to action several years ago about payday lenders. We did not listen then until it was too late. I hope the Government will listen now.

We know that not everybody is struggling, and that Britain is a nation of contrasts, where some people have seen their wealth balloon because of property and pension rights. However, we also know that there are too many for whom debt is just everyday life. It is debt on basic payments—on food, rent and travelling to work costs. We know that 25% of the UK population now struggles with debt. Not everybody is in trouble, but enough are, and the reason is the nature of the products they use to deal with their debt, particularly credit cards.

I hope the Minister will understand why we need to act, because credit cards are the acceptable face of modern debt for people. All of us have one; I am sure if Members were to open up their wallets and purses, they would have, if not one, then maybe two or three with them. There are 30 million cardholders in the United Kingdom. Indeed, the Financial Conduct Authority has been investigating the credit card market.

[Jim Shannon]

The hon. Lady has been very gracious in giving way. I appreciate that very much. Does she appreciate, as I and many others in the House do, the good work of Christians Against Poverty, church groups, Citizens Advice and those who step into the gap to give advice and help people to manage their affairs when they get into debt?

[Stella Creasy]

I happily join the hon. Gentleman in supporting Christians Against Poverty, which very kindly came and ran a workshop for activists in my local community not a few weeks ago, to help residents to understand what they should say to somebody who is struggling with debt.

People often do not see credit cards as debt because they are just a fact of life. We know that the Financial Conduct Authority will tell the Minister that the market is working well for most, and that people shop around when getting a credit card, are able to compare rates and understand what they are buying. However, the problem comes when we look deeper and see the connection between those who struggle with debt and the nature of the credit cards they have.

Credit card debt is £263 billion—about 15% of total household debt—but it accounts for half of all interest payments made each year. That is the first signal that we need to look more closely at the interest rates on these cards. A whopping £28 billion is repaid each year, which accounts for 41% of all consumer debt, up from 33% in 2008. The average balance of those making just minimum repayments—the zombie debtors, who are paying off the interest but not the capital—is about £5,000; that is what they owe. However, 15% of zombie debtors owe more than £10,000. Crucially, when the FCA looked into this, it found that 20% of the people who ended up paying interest on their credit card did not expect to do so when they took it out. The reason is that life does not always go the way we expect it to. Jobs disappear. Relationships break up. The cost of living gets higher and higher.

Little wonder that there are 5 million accounts that, with people making just minimum repayments, it is estimated it will take 10 years to pay off the balance. It is no wonder that four in 10 British adults are worried about their credit card debt. They understand that what seemed like the best way to manage their finances has quickly got them into a situation that they cannot get out of. Forty per cent of adults in this country say that they struggle to make it to payday and, of those, 30% say that credit card repayments are causing them the problem. The FCA has identified that; it has identified those people whom it would say are in difficulty because of their credit card debt. It considers more than half those people to be “potentially vulnerable” because they have few resources to fall back on, even if they are managing to make some repayments.

The FCA has also identified that one third of people do not really understand the interest rates that they are paying on their credit cards. Again, it is the point about interest rates and what it will actually cost people to use these cards, even if they are flipping between zero-rate-interest cards. It identified that people who switch are switching because they think that they are getting a better balance offer—crucially, they are not getting out of debt.

The point of today’s debate and raising this issue with the Minister is to ask him not to wait until the situation gets worse, because we know the consequences of waiting until it gets worse. Let us learn the lesson from those legal loan sharks, the payday lenders—the people who were lending £100 to people who were ending up paying an average of £260 back. They were using payday loans when they were unregulated to pay for their basic living; 53% of them were using them just as people are using credit cards—to pay for groceries and utility bills. They were paying for things that they could not go without. Three in five borrowers on a payday loan said that they could not go without the item for which they had taken out the loan.

Let me tell the Minister that when we do act—when we recognise the consequences of leaving a situation to fester, as we did with payday loans—it makes a massive difference. Bringing in a cap on the cost of credit saw a 45% reduction in the numbers of people going to the citizens advice bureau in difficulties with payday loans; indeed, there has been an 86% reduction since 2016.

These credit card companies are truly loan sharks pretending to be the good guys. We know that what matters is in the small print. Many of us may have looked at our own credit card interest rates and seen that they vary from between 0.8% and 2% a month, but we also know that those basic interest rates on credit cards have been rising over the past 11 years, from an average of 15% to 23% now. As the hon. Member for South Antrim (Paul Girvan) pointed out, the zero balance transfer deals have been lengthening, but what is happening is that the credit card companies are making up for competing to get people to switch, by increasing the interest rates. And that is before we get on to the credit cards for people who are in bad credit—the new Wongas: the Vanquises, the aquas and the Capital Ones, which offer interest rates of 30% to 60%.

The Minister will point me to the research by the Financial Conduct Authority that shows that about 45% of people borrowing on cards for those with bad credit have found them useful for building up a credit history, but let us think about the other 55%—those who, as the FCA has identified, are in severe or serious arrears as a result of getting these cards. I see Vanquis in my town centre in Walthamstow, preying on people.