Disability Support

Debate between Stephen Lloyd and Jim Shannon

Wednesday 19th December 2018 Commons Chamber

[Jim Shannon (Strangford) (DUP)]

I am pleased to contribute to the debate, and I congratulate the hon. Member for Oldham East and Saddleworth (Debbie Abrahams) on securing it.

Benefits are the biggest issue in my office. I have one member of staff who does nothing else but deal with benefits five days a week; to be honest, she works outside her hours because she is a compassionate lady. The rest of us in the office, including myself, have done DLA appeals, and we still continue to do them. We deal with the benefits system as well, and these are incredibly difficult issues. The Government have indicated that they will review some of the universal credit system, and may I say that that cannot come soon enough?

I want to say something to the Under-Secretary of State for Work and Pensions, the hon. Member for North Swindon (Justin Tomlinson), who is in his place, and to the Minister for Disabled People, Health and Work, who has left but will no doubt be back shortly. I am not saying this to give them a big head, but both Ministers are very affable and engaging, and they do try to address the issues. I know that because I have spoken to them both. They have come to me to say, “Look, if there’s anything at all that you want to speak about, please speak to us about those things”.

Both the Ministers are keen and eager to help—I say that in advance because I do not want them to think I am attacking them, because I am not doing so—but there are things I have to say tonight about universal credit and where it is, and the fact that it is having an impact on my constituents. It would be remiss of me to come to this Chamber and not to say that. I wanted to say that first, because I know the Under-Secretary always responds; he knows that, because I have spoken to him before about it. None the less, we are where we are on these issues.

The Equality and Human Rights Commission has done a very in-depth analysis, which I and others have read; indeed, some right hon. and hon. Members have referred to it. It shows that the bottom two deciles will lose, on average, approximately 10% of their net income, with much smaller losses for those higher up the income distribution. Negative impacts are particularly large for households with more disabled members and for individuals with more severe disabilities, as well as for lone parents and those on low incomes.

For some family types, these losses represent an extremely large percentage of income. For example, for households with at least one disabled adult and a disabled child, average annual cash losses will be just over £6,500—over 13% of average net income. Here is a specific figure, because I have some people from Bangladesh in my constituency: the impact of changes to direct taxes and benefits is to reduce the income of Bangladeshi households by some £4,400 per year on average. These are specific points, and I want to say them in a very constructive way to the Under-Secretary, because I know he responds. I am happy to say these things, because I know he will come back, as he always does.

At an individual level, women will lose on average considerably more from changes to direct taxes and benefits than men. Women will lose some £400 per year on average, and men will lose some £30.

[Stephen Lloyd]

The hon. Gentleman is making a very powerful point. The figures he is talking about are true in my constituency as well. I know one family that is losing just under £500 a month. As we in the Chamber all know, the reality is that these are substantial sums of money for some of our poorest disabled fellow citizens. There is no point arguing about it any more. That is why I think the request from the hon. Member for Oldham East and Saddleworth (Debbie Abrahams) for an independent impact assessment is reasonable and fair, and it needs to be a matter of priority, otherwise there will be many more of the stories the hon. Gentleman is talking about.

[Jim Shannon]

I thank the hon. Gentleman for his intervention, and yes, I totally agree. At the very end, I will make a similar recommendation to what the hon. Gentleman has mentioned.

This does affect low-income families. Some of the figures I have mentioned are for men and women, but the figures conceal very substantial variation within both genders. Lone parents in the bottom quintile—the bottom fifth—of the household income distribution lose some 25% of their net income, or £1 in every £4 on average. The hon. Member for High Peak (Ruth George) referred to this earlier, and mentioned very clearly the income impact on those in the lower income brackets.

On average, disabled lone parents with at least one disabled child fare even worse, losing almost £3 out of every £10 of their net income. In cash terms, their average losses are almost £10,000 per year. That is massive, and we cannot ignore those things. Those things really quite annoy me, and I think they annoy us all. In fairness, I think they probably annoy Ministers as well, but we do need a response from Ministers if we are to deal with them.

Around 1.5 million more children are forecast to be living in households below the relative poverty line. These are massive issues; in Northern Ireland, and in my constituency, children are sliding into poverty as a result of these reforms. I am being completely honest, Madam Deputy Speaker: these things are happening, in my constituency! And they are happening in everybody else’s as well.

We quite recently had the roll-out of universal credit, so we know these things come in almost like a storm breaking over people. The statistics carry on, but this gives a very clear picture to me. We were told that universal credit would be beneficial to households in need. I have to say honestly, I do not see that happening at this moment. To see disabled homeless people being so massively affected is totally unacceptable. For that reason, I support the recommendations of the Equality and Human Rights Commission. It recommends that the UK Government should:

“1. Monitor and publish the impact of welfare reforms on disabled people, including assessment of the cumulative impact of tax and social security changes.”

I think that if we get those facts, they will tell the tale.

“2. Review the levels of benefits to ensure they provide an adequate standard of living.”

It is so important. People are falling into poverty, and children in particular. I always get annoyed when I hear of children living below poverty levels; I think others might as well.

“3. Ensure that work coaches are trained to deliver tailored employment support so that the specific needs of disabled people are being met.”

How important that is.

Lotteries: Limits on Prize Values

Debate between Stephen Lloyd and Jim Shannon

Tuesday 12th December 2017 Westminster Hall

[Jim Shannon (Strangford) (DUP)]

Sir Edward, it is always a pleasure to speak in Westminster Hall and I thank the hon. Member for North West Norfolk (Sir Henry Bellingham) for bringing this issue here for consideration.

A firm train of thought seems to be emerging today—that good cause lotteries can do a lot of good work. None the less, the topic is a very emotive one and at the outset I will say that I firmly believe that gambling can and does destroy lives throughout the United Kingdom. At the same time, I am also a firm believer that although adults have the right to make their own choices, regulation must be in place, so I am very keen on that. It is important that regulation protects individuals and families as much as possible, while at the same time allowing people the freedom to do what they want to do. That is why I support the case that the hon. Gentleman made. It is important that we consider what good cause lotteries can do across the United Kingdom of Great Britain and Northern Ireland.

At the same time, I advocate the lowering of stakes for the fixed-odds betting terminals and will continue to push for that. However, that is not a debate for today. I understand that, but it is an issue that many of us feel very strongly about, and while not many Labour Members are here today, there are those who subscribe to the same point of view that I do—and many in the Conservative party have the same opinion.

I support the central theme and thrust of the hon. Gentleman’s argument—more money for good causes. How can we make that happen? Many of us across the United Kingdom, including in my constituency of Strangford, are well aware of the national lottery, for instance, and the good work that it does, as well as the many organisations that it has benefited. Community groups and their projects have benefited from the national lottery, as have churches. There are many churches in my constituency that have benefited from the national lottery and some of those schemes were massive schemes, which, without that level of investment, would never have taken place.

[Stephen Lloyd (Eastbourne) (LD)]

Does the hon. Gentleman agree that because of the challenging financial envelope that a lot of hospices have had to deal with over the last few years, lotteries have played an ever more important role in those hospices being on top of their cash flow? Under the proposed changes—moving beyond the limit of £10 million—lotteries could become ever more important to those hospices, to ensure that they can serve more and more terminally ill people in the community.

International Freedom of Religion or Belief Day

Debate between Stephen Lloyd and Jim Shannon

Thursday 26th October 2017 Westminster Hall

[Jim Shannon (Strangford) (DUP)]

I beg to move,

That this House has considered International Freedom of Religion or Belief Day.

It is only right to put on the record my thanks to you, Mr Evans, for making it down to fill the gap and chair this debate. That is much appreciated not only by me, but by all the other right hon. and hon. Members who have made it their business to come along and take part today.

I am delighted to have secured this important debate. Members will know that the issue is close to my heart. They will also know that yesterday, at Speaker’s House, we launched the report, “Article 18: From rhetoric to reality”. I am keen that Members who do not have a copy will be in possession of one before the day is out. The report is about moving from talking about the issue to the reality of it. Through the report we have tried to show how this House could best do that through the Foreign and Commonwealth Office and the Department for International Development. We want to mark International Freedom of Religion or Belief Day. It falls annually on 27 October, which is tomorrow, and was mentioned in the House today by the Second Church Estates Commissioner and by Mr Speaker.

The right to freedom of religion or belief is better known as FORB. I am chair of the all-party parliamentary group for international freedom of religion or belief, and have been for the past three years. The APPG is well supported by some 90 MPs and peers and is co-chaired by the hon. Member for Luton South (Mr Shuker) and Baroness Berridge. We thank all of them for their participation and support. One of our officers is the hon. Member for Stafford (Jeremy Lefroy).

FORB is the jargon term used by those of us working on freedom of belief. The right is outlined in article 18 of the universal declaration of human rights, which states:

“Everyone has the right to freedom of thought, conscience and religion; this right includes freedom to change his religion or belief, and freedom, either alone or in community with others and in public or private, to manifest his religion or belief in teaching, practice, worship and observance.”

We stand up for the rights of those of a Christian belief, those of other beliefs and those with no belief. That is a key issue for us in Parliament and in the APPG.

The legally binding version of the right can be found in the international covenant on civil and political rights, which has been signed or ratified by 175 countries. Although some states have made reservations to article 18, stating that they will implement it in line with their interpretation of sharia law, the right can be restricted only in exceptional circumstances. There is a perception that advancing the right strengthens male religious leaders’ ability to control groups, rather than it being seen as a right of individuals, which it truly and legally is. There are no protections under the right for religions or beliefs to be free from adverse comments. As a result, there is no justification or protection for states seeking to criminalise the defamation or insulting of any religion or belief.

Just today in business questions in the House, I raised a point about Nepal, which has brought in a new and very strict law. The law is stricter than the corresponding law in Pakistan, India or any of the other countries close by. It will clearly restrict the rights of those of a Christian belief and other religious minorities. We tried to influence that change in law, so it is hard when we find that it will still go ahead.

I welcome the Minister, and I am pleased to see him in his place. He understands the issue well, and we talked about it before the debate. He has had sight of some of my comments, so we look forward to his response. I thank him for that. I also thank the shadow Minister in advance for her contribution, which I know will be just as good as everyone else’s.

[Stephen Lloyd (Eastbourne) (LD)]

I appreciate the hon. Gentleman securing this important debate. To reiterate what he is saying, if the new domestic legislation in Nepal does not align with international law and international mores, Nepal’s constitution will essentially mean that the state can discriminate—quite viciously, if required—against any person who does not share the state’s religious belief or who does not even have a belief. Is that correct?

[Jim Shannon]

The hon. Gentleman is absolutely on the button; he has totally encapsulated the situation. Those of a Christian or other religious minority in Nepal are clearly second-class citizens. There is a caste system in many of these countries, and those minorities are below the caste system. That gives an idea of where they are. The law directly discriminates against those people. I thank him for his intervention. He has raised exactly one of the issues I want to speak about.

Recognition of FORB can be found throughout history. Over the years there has been greater recognition of the importance of freedom of religious belief. I feel almost like another Member in the Chamber, who waxes back into the centuries of history that he has knowledge of. I might repeat that slightly today. Freedom of religious belief has a history going back to 550 BC, when King Cyrus the Great declared that all subjects were free to worship as they wished. The Prophet Mohammed’s constitution of Medina declared citizens equal and indivisible regardless of religion. FORB is a right that can be rooted and implemented within all religious and cultural contexts.

Just yesterday our APPG published its report, “Article 18: From rhetoric to reality”, which was long in the making. It looks at how best to advance the right in different countries and makes several recommendations to the Government that I hope the Minister has read and taken note of, and will respond to.

Housing and Social Security

Debate between Stephen Lloyd and Jim Shannon

Thursday 22nd June 2017 Commons Chamber

[Jim Shannon (Strangford) (DUP)]

I congratulate the hon. Member for Berwickshire, Roxburgh and Selkirk (John Lamont) on his maiden speech. As an Ulster Scot who has a very strong relationship with those on the mainland, it is always good to have a Scottish cousin in the House. I invite him to come to Strangford—then we will see whether he still thinks he has the most beautiful constituency in the whole United Kingdom. It is a pleasure to have him in the House, and we wish him well in all that he does.

It is no surprise that the Queen’s Speech mainly included issues relating to Brexit. This is the most crucial time in recent British history for good legislation, and it is clear that there must be a focus on getting the best approach to our exit from Europe. This debate is on housing and social security, and when we talk about housing, we should also focus on where that housing is. Where we have housing we need good healthcare, so we need to ensure that there is investment in GP practices nationwide—the hon. Member for Stafford (Jeremy Lefroy), who is not currently in the Chamber, referred to the lack of investment in his area. We need to encourage young students to commit to service as a GP. We need to strengthen the ties between GPs and their local surgeries, and we can give GPs the support they need in the form of initiatives such as treating minor ailments in chemists, thereby using the available professionalism and capability to the fullest.

Returning Members will know about one of my passions in this House, and new Members will hopefully know shortly: I am well known for being the Democratic Unionist party spokesperson for human rights and for my concern about persecution throughout the world. Sadly, this has been exemplified on our shores recently with terrorist attacks against freedom and democracy—attacks on the very core of our communities. The world is changing. As chair of the all-party group on international freedom of religion or belief, I believe that understanding the religious dynamics playing out in different communities must be of the utmost importance when Her Majesty’s Government form any internationally focused policy. I appreciate that the Government are committed to that.

Some 80% of people worldwide live in countries where social hostility and restrictions on religion are high or very high. Freedom of religion or belief is a human right that is often overlooked. In 2016, nearly 90,000 Christians were killed simply because of their religious beliefs. In more than 100 countries around the world, more than 215 million Christians continue to face intimidation, imprisonment, forced conversion or assault.

[Stephen Lloyd]

Does the hon. Gentleman, like me, support Open Doors, an organisation that publicises some of the shocking discrimination and prosecutions against Christians around the world, and that urges Her Majesty’s Government to step up and make it absolutely clear that this is unacceptable, as it would be against any religion?

[Jim Shannon]

I agree with the hon. Gentleman that Open Doors does excellent work, and I am aware of it day to day. There are many organisations in the House, but Open Doors also takes the opportunity to stand up for and talk to people around the world.

So-called Islamic State has nearly succeeded in its attempt to eradicate the Christian communities of Iraq and Syria; the Christian population has plummeted from 1 million to 200,000 in Iraq, and from 1.25 million to 500,000 in Syria. Many Christians remain displaced and face discrimination that prevents them from gaining equal access to food, shelter, education and work. In May, 122 Christians in Eritrea were rounded up from their homes and detained, including disabled people and entire families. That escalation in the crackdown on Christians coincides with the Orthodox archbishop’s 10th year under incommunicado house arrest.

In April we saw the Russian Supreme Court’s decision to declare the Christian sect Jehovah’s Witnesses an extremist organisation, banning their headquarters and all 395 local organisations from operating and ordering their property to be seized by the state. That shows a clear escalation.

In Pakistan, only last week a Shi’ite man, Taimoor Raza, was charged with blasphemy and handed the death sentence, contrary to international law. That underlines the issues there. In Myanmar, since 2012 over 168,000 Rohingya Muslims have fled the country because of attacks by the military, including the burning of homes and the raping of women. Those are vile, evil, wicked deeds, and in some cases they are carried out by its Government.

Advancing freedom of religion or belief between faith communities helps to build tolerant and cohesive communities. I believe that it is a crucial component of Government policy, not only in preventing further violent attacks on people because of their faith, but in preventing violent extremism and achieving the sustainable development goals. There is a role to play for the Department for International Development, the Foreign and Commonwealth Office and, I believe, the Ministry of Defence. I am pleased to see the Minister for Disabled People, Health and Work on the Government Front Bench. This is not her responsibility, but I know that she will take my points on board.

The Government’s recent manifesto declared that they would

“expand our global efforts to combat…violence against people because of their faith”.

The Prime Minister has made a commitment to stand up for the freedom of people of all religions to practise their beliefs openly and in peace and safety. Perhaps the Minister responsible will clarify what those measures will be. For example, will they ensure that displaced communities in Iraq and Syria can return home safely? I offer the Government the APPG’s assistance in taking those measures forward.

As part of its membership of the EU, the UK has routinely asserted its commitment to promoting the right to freedom of religion or belief as part of its global human rights diplomacy. The UK regularly reports on its implementation of the EU guidelines for freedom of religion or belief and has made further commitments within the EU human rights framework. I ask the Minister responsible whether Her Majesty’s Government will retain the commitment to monitor and report their implementation of freedom of religion or belief through their representatives globally. I urge the Government to deepen their work with multilateral organisations such as the Commonwealth and the Organisation for Security and Co-operation in Europe.

I believe that the Government are committed to that in some of their policies, but I am seeking an assurance because it was not mentioned specifically in the Queen’s Speech, and I think it is important that we put down a marker now. There are many things that we would wish to see happen. This matter is very close to my heart, as it is to the hearts of many people across the whole United Kingdom. The fact that people are intimidated because of their religious beliefs, having to live in endangered neighbourhoods, or even killed, indicates how important this issue is.

I want to mention a few other things that also concern me. There are many aspects of Brexit that we wish to support and take forward. I commend the financial guidance and claims Bill. Age UK recently contributed to the Government’s consultation on the future of the Money Advice Service, the Pensions Advisory Service and Pension Wise. I support the proposal to create one agency, which I think would be a step in the right direction, as the Government have recognised. I also welcome the smart meters Bill, which I believe will help older people to manage their energy costs. We should support that initiative. There are many other issues that we also need to work on.

The votes are in and the Government are in place. The agreement between the DUP and the Government is not done just yet, so let us see how that goes, but we look forward to carrying out the business of this House for all our constituents in the years to come.

Disabled Young People (Support)

Debate between Stephen Lloyd and Jim Shannon

Wednesday 7th September 2011 Westminster Hall

[Stephen Lloyd]

I agree. Sometimes the parents split due to the sheer strain—and not just of looking after a severely disabled child, which is a challenge, no matter how much the parents love them. The situation often leads to irrevocable strain between parents, which is one of the saddest things that I have seen. Like all hon. Members, I have seen a lot of desperate cases. Often, the reason why parents split up is because statutory authorities, though they often try to be helpful, are clunky, and lack consideration and co-ordination. That, as I will go on to explain, makes it much worse. It also costs a great deal of money for the family, local authorities and all the agencies. It is therefore imperative, particularly for disabled children going into transition, that we get it right first time. I am sure that the Minister and hon. Members can appreciate how complex and challenging such a scenario must be for both the disabled young adult and the parents.

I have been liaising for the debate with Mencap, which has been very helpful and supportive. It has put together a document that defines what a good transition must look like. In its view, which I share, it is defined by three stages: planning, process and destination. To be a successful transition, each stage must be followed effectively and, most importantly, tailored to the individual, but there are general principles that can be applied to each stage. It is recognised that all young people should be at the centre of their transition planning—that is incredibly obvious. That is important for parents, uncles and aunts, and children without disability, but is doubly important when working with a disabled young adult. For young people with a learning disability, a plan will be achieved only if it is timely, accessible and diverse. To be ready for the start of their transition, young people should be encouraged to think about their options in year 8, so that they are adequately prepared for their review in year 9. In the run-up to and following their review, young people should have access to appropriate information about their rights and their options regarding their future. Ideally, the options presented to young disabled adults should be limitless. For all of us and for all disabled children, transition should be an exciting time for exploration, not a restricted choice of a predefined future.

No particular Governments or Government are at fault here; this has been a challenge for a long time. Even well before I was elected, I had people in my constituency come to see me who were absolutely petrified because their child was getting to the end of teenagedom and going into young adulthood. They knew that the key worker was going and that the services that supposedly, and often do, come automatically with young disabled children would disappear. It is no exaggeration to say that they were petrified.

If choice is to be at the heart of young people’s transition, it is crucial that they be given the opportunity to explore their aspirations with the aim of reaching their potential. For young disabled people to have such aspirations, those around them must be aiming to achieve the highest quality of life for them. None of that is complicated or different—it is exactly the same for non-disabled young adults as for those who are disabled.

Throughout a young person’s transition, the process should be co-ordinated and resourced. Although young disabled adults must be the director of their transition journey, it is crucial that the services supporting them be aware of each other’s role in the process. The position of key worker for a young disabled adult is therefore vital, to keep all the professionals in the loop. Obviously, within that, it is about working very closely with the parents of someone who has a profound learning disability, because as well as the work done with the young disabled adult, the parents are best suited to help and guide the child to decide what is best. Often, profound learning disability is accompanied by communication challenges.

For each service to play its part, adequate resources must be provided, mainly that of time. Each professional involved must be prepared to work alongside the young person regularly, to offer support and advice. The transition process should, however, be as unobtrusive as possible, to allow the young disabled person to enjoy as best as possible an ordinary teenhood.

[Jim Shannon (Strangford) (DUP)]

I am sure that the hon. Gentleman and many others in the House are aware of the good work of some voluntary organisations, such as the Prince’s Trust, which I have visited and where I have spoken to some of the young people. Clearly, organisations out there are giving of their effort, time and commitment to help young people. Does he feel that the work of the Prince’s Trust ought to be recognised and complimented in this Chamber today?

Unscrupulous Builders

Debate between Stephen Lloyd and Jim Shannon

Wednesday 9th February 2011 Westminster Hall

[Stephen Lloyd]

I thank my hon. Friend for his extremely well-made intervention. I have heard about such cases again and again both in my constituency and as an officer of the all-party group for consumer affairs and trading standards. We are in a ludicrous position where criminals are ripping off people, often elderly people, up and down the country. However, because they are clever at using—or abusing—the law, it is almost impossible to pin them down and seek redress. That is an absurdity, and times need to change.

The issue is not simply about providing adequate protection to the public; the trouble caused by such activities is far-reaching and widespread. I know some tremendous local builders in Eastbourne, but the actions of the cowboy builders impede legitimate businesses and create an unfair marketplace for the many—the vast majority of builders, renovation companies and tradespeople who are wholly legitimate. The problem causes particular difficulty for the small firms that we are counting on to help bring us out of recession. Because the unscrupulous individuals who prey on the public operate outside the law, they often do not pay VAT. That gives cowboy builders an illegitimate financial advantage by enabling them to charge much lower prices—20% lower—than responsible legitimate companies, thereby distorting the marketplace and creating unfair competition.

That practice results in a significant loss of tax revenue, because much of the work that would be invoiced is currently paid cash in hand and is off the books, resulting in an enormous revenue loss to the Exchequer. Given the current economic situation, it would be foolish to pass up the opportunity to clamp down on such behaviour. It is deeply unfair to law-abiding citizens who pay their taxes to continue allowing fraudsters and charlatan building companies not to contribute their fair share. Beyond that, a further worry must be addressed. Around 80% of the informal economy—sometimes known as the black economy—is work undertaken by companies that are completely outside the tax system. I have already mentioned VAT, but such evaders are much more likely to avoid other key legal obligations, such as health and safety legislation. That puts their customers not only at a financial, pecuniary risk, but at physical risk.

[Jim Shannon (Strangford) (DUP)]

Everyone has seen the programme, “Cowboy Builders”, that the hon. Gentleman referred to. It illustrates that a small number of people will take advantage of vulnerable people. Does the hon. Gentleman feel that one way of monitoring and keeping an eye on things and regulating the system would be to use local government to oversee work and say whether it should be passed? Perhaps that would be one way of resolving the situation.

[Stephen Lloyd]

That is a good point. It is not the conclusion that I have reached, but it is a strong point. The challenge with local government oversight is that it varies a lot around the country. Some local authorities would make it a high priority, while others would not. It is an option, but the conclusion I have drawn is that the Government must start taking steps to look at a licensing proposal.

I am aware that there are already programmes to help regulate the construction industry and mitigate fears, and I do not wish to undermine the valuable work of organisations such as TrustMark and the National House-Building Council. However, those schemes are taken up mainly by large companies that operate at national or regional level, and they are not the problem. The administration and cost involved in registering with such schemes is a natural deterrent to the individuals and small firms that I, and many of my colleagues, want to help. Because the vast majority of substandard work is carried out by individuals or small gangs of rogue builders, the current measures are inadequate.

According to Local Authority Building Control, TrustMark has insufficient funding to deal with the problem. Therefore, we need serious consideration about how to proceed with more effective methods of regulation. The seriousness of the matter is heightened by the well-known target of the illegitimate traders—older people, who are often the most vulnerable in our society. An ageing population coupled with increased home ownership necessitates a Government response.

Between 1981 and 2001, the proportion of the population over 75 years old increased by more than 30%. The number of pensioners living alone increased by 150,000 between 1991 and 2002, and now accounts for 14.4% of all households. That means that there are now more than 5 million pensioner-only households. Let me be clear: MPs in the House know that unscrupulous builders target vulnerable, often elderly, people. That is a growing market, and unless something is done, those builders will have ever more opportunities to rip people off.

Numerous investigations have shown that unscrupulous builders are taking full advantage of the gaps in our legislation and our rising pensioner population. Crooked salespeople are commonly overbearing, persistent and totally unscrupulous. That is a particular problem for older people, as they often live alone and are trapped by such intrusive door-to-door sales techniques. Once a salesperson is in their home, a vulnerable individual has limited means by which to end the transaction. The option of asking someone to leave is not always available to them because many home owners feel too intimidated in that situation to broach things so directly. That may sound absurd, but our experience as Members of Parliament, dealing with a large amount of casework and listening to constituents, who are often elderly, means that we know that they will be too frightened to ask the cowboy builder to leave.

When hard-sell tactics are used, many individuals feel trapped in their homes and have nowhere to retreat, leading to increased pressure and a desire to rid their home of the unwanted guests as quickly as possible, often—crucially—by accepting the service being offered. In fact, there are even reports of people being driven to their bank immediately to draw out large sums of money when faced with threatening demands.