Services for Young People

Debate between Tessa Munt and Neil Carmichael

Thursday 22nd March 2012 Westminster Hall

[Neil Carmichael]

I am grateful. I am not entirely sure whether I can describe that as a compliment to my position, but there is much more evidence out there that we should be mindful of. That is what I shall talk about. I referred to the E-bac report not because I wanted to ram home yet again the fact that the Government are absolutely right to introduce the E-bac—they know that, and most people are beginning to realise it—but because there is more to our thinking on youth services than is contained in our report.

My other more general point is that it is absolutely right that 80% or 90% of young people’s time is spent in activities other than schooling, but we must get our education system right. That must be the top priority, and public money must be allocated on the basis of priorities. I want to make it absolutely clear right now that my priority is to ensure that our children receive an education that will equip them to deal with the challenges facing them and the opportunities and lifestyles that they wish to pursue. That is a cornerstone of my contributions to the Education Committee.

A key theme of the evidence that the Committee received in our various meetings showed that the picture is extraordinarily mixed, and it was difficult to analyse outcomes, and to elicit clear messages. In broad terms, the range of providers, the complexity of provision, and the different priorities that many providers had, made it extraordinarily difficult to make a judgment about outcomes and processes. That must be properly understood in the context of expenditure levels and the way in which the Government have reacted to the challenge of the pressures on public expenditure.

My constituency has a huge number of youth providers, and not all of them would be recognised in the context of the Committee’s report. We must acknowledge and salute those organisations that provide a huge amount of good value for our young people, and which would not normally come within the remit of our discussion today. For example, the Door project in Stroud provides fantastic support for young people who have been let down by everyone, including in most cases their own parents. The project is supported powerfully by the local community, delivers outstanding outcomes, and is a strong and useful part of our community. It is a good example of the sort of things we need.

Nailsworth has a community workshop, which I visited not long ago, where young people can learn about crafts, and to be craftspeople. It is fantastic, and is growing up from our local community. Not far away in Nailsworth is a youth centre that is very well supported by the town mayor and many others. It has been the victim of cuts by Gloucestershire county council, but nevertheless continues to deliver fantastic services that are really worth having.

In Dursley, another key town in my constituency, the Lower King’s Hill management co-operative provides great opportunities for young people to do all sorts of things, including gardening and so on. It is also where I hold some of my surgeries, so I am connected with its work, and its aims and objectives. It is yet another example of the sort of structure that we should be supporting, but which might not be covered by our report.

With that degree of diversity, we have some great structures, and I have not even started talking about some of the others, such as Outreach, which provides support for young people in very difficult circumstances. The staff’s dedication to young people, and the opportunities that they gain because of the support, framework, comfort and succour that they receive is fantastic. I applaud that.

All the organisations that I have mentioned are well supported by local people in their local communities, because they recognise local needs and work extraordinarily hard to produce outcomes that are surprisingly easy to measure. As a Member of Parliament, I visit them all, and I see the outcomes and am impressed. What often worries me is the number of people who need those services, rather than the outcomes. We must not ignore the fact that many good things are happening in our constituencies. Mine is a good example, but I think all hon. Members can say the same.

[Tessa Munt (Wells) (LD)]

I agree broadly with my hon. Friend, but in my constituency in rural Somerset, one difficulty is acute travel problems. The complete lack of transport services after 6 o’clock in the evening means that only children with parents who have access to a car can access youth services. Not every village has a youth service. I have 172 communities in my constituency, and there are probably youth services in nine or 10. I accept what my hon. Friend says, but it is almost intolerably difficult for young people to access services in rural communities if other services are not in place, and my county council is cutting everything.

[Neil Carmichael]

I thank my hon. Friend for that comment. She is absolutely right that people must be able to get to facilities. In constituencies such as hers and mine, where there are many villages, transport is a factor. My son is a member of Rodborough Eagles, a football team that does extraordinarily well. He is a much better footballer than I ever could have been because he is not flat-footed and is a really good defender. The key point is that he visits many different parts of my constituency, and I join him as often as I can. That football club is a youth service, and an option for him and his friends to enjoy, and is part of youth service provision. A variety of different services can be tapped into.

Independent Financial Advisers (Regulation)

Debate between Tessa Munt and Neil Carmichael

Monday 29th November 2010 Commons Chamber

[Neil Carmichael (Stroud) (Con)]

Will my hon. Friend give way?

[Tessa Munt]

I want to be brief.

We should consider what an IFA’s clients are seeking to buy when they look at financial products, look at what they do not like about the present procedures and consider whether the RDR will change anything. A constituent of mine has stated that when his clients buy their financial service products, they are seeking a similar experience to that when they buy other goods. First, they want the buying process to be a simple and pleasant experience. If the Government wish the public to buy more financial products and take responsibility for their future, they should not forget that fundamental point. That is not easy to achieve in the current environment. For a start, most clients do not like to be issued with mountains of complex paperwork. They find it quite intimidating.

Secondly, a lot of people visit an IFA with a specific purpose in mind—to invest some spare funds, to discuss their pension, and so on. They wish to restrict the conversation to those points that they believe are relevant and, having listened to what the IFA has to say about the matter, will wish to make up their own minds about whether the product under discussion is suitable for their needs. However, once in discussions, people often have to go through the IFA’s “advice process”, and are no longer responsible for their own decisions. The IFA has to be sure that the product is right for them, so these people find themselves undergoing a time-consuming and irritating process, having to answer personal questions that they often consider an invasion of their privacy.

Thirdly, clients quite rightly seek value for money. Unfortunately, the whole regulatory procedure is so cumbersome that it is no longer cost-effective for those with limited funds to seek an IFA’s advice. The cost of many financial products has risen dramatically. For example, 30 years ago the annual management charge on a unit trust was usually 0.25% or sometimes 0.375% per annum, but now it is usually 1.5% per annum. Much of the increase has arisen purely as a result of regulatory costs. A significant part of the cost increase is driven by regulation, so everyone suffers.

Will the RDR change any of the above? Not in my opinion: there is little evidence that any of those fundamental issues will change as a result of the RDR. We are all in favour of raising standards, but further examination passes will not address any of those issues.