Universal Credit

Vicky Ford Excerpts

Wednesday 17th October 2018 Commons Chamber

[Ms McVey]

I thank the hon. Gentleman for his kindly words and advice but, when the Division comes, we will see what happens. I am convinced that Government Back Benchers know how many millions more people we have got into work. I am convinced that they know that 1 million more disabled people will end up with more money under universal credit. That is what this is about—supporting the most vulnerable claimants.

[Vicky Ford (Chelmsford) (Con)]

Will the Secretary of State give way?

[Ms McVey]

I will.

[Mr Speaker]

It is perfectly reasonable for somebody to ask, and the Secretary of State can answer if she wishes or not if she does not, but there is no breach of order in there not being a declaration of intent on that matter at this stage in the debate. At what point it becomes clear that there will or will not be a Division remains to be seen, but nothing disorderly has occurred. We were about to hear an intervention from Vicky Ford.

[Vicky Ford]

Does my right hon. Friend agree that protecting the most vulnerable is key? Can she reconfirm that over 1 million disabled households will be over £100 a month better off and that it is the Government’s policy to continue to work for improvements, to protect the vulnerable?

[Ms McVey]

I am glad that there was some calm and hush for that question, so that I could hear it and give the response that it deserves. My hon. Friend is right: around 1 million disabled households will receive on average around £110 more per month through universal credit. If we were to follow the advice of the Labour party, those 1 million disabled households would be £110 worse off per month. That is what the Opposition are asking for.

Universal credit pays for 85% of childcare costs, compared with 70% under the legacy benefits. Because it is a simpler benefit, as I hear from Government Back Benchers, 700,000 households will get entitlements that they were not claiming under legacy benefits, worth an average of £285 per month.

We have taken a mature approach to rolling out universal credit. We have said that we will test, learn, adapt and change as we go forward. That has resulted in a series of improvements, and I will read some of those out. We are providing extra universal support with Citizens Advice, an independent and trusted partner. We have brought in the landlord portal. We have brought in alternative payment arrangements, 100% advances and housing running costs. We have removed waiting days and are providing extra support for kinship carers and those receiving the severe disability premium.

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[Vicky Ford (Chelmsford) (Con)]

As I have listened to the debate, it has struck me that it is important to remember that we are talking not just about a system, but about people.

I remember two people who strongly influenced my decision to go into politics. This was back in 2005, when the then Government had just introduced the working tax credit. I had taken some time off work, and was volunteering at the local pre-school. One of those two people worked there. She loved her job, and she was brilliant with the kids. Now she was in tears because her partner had left her, and she could not afford to work any more. She was better off on benefits.

The second person, like the first, was a mum with young kids. She was also in tears. Vast amounts had been overpaid to her under the tax credit system, and now the taxman was asking her to repay thousands of pounds. She was one of those individuals who were caught in that system under Labour, when literally billions of pounds were overpaid to vulnerable people who were then asked to give the money back.

It is right for us to look at the present system again, because it is too complicated. Currently, 700,000 people are not receiving the benefits to which they are entitled. We cannot have the chaos that was caused when Labour introduced its last changes. It is right for us to have a new system that does not trap people on welfare. It is right for us to have a simpler system that is easier to use, and it is right for it to be rolled out step by step to small groups of people at a time, so that there is no repeat of that chaos. It is also absolutely right for us to be honest with people. Benefits affect some of our most vulnerable, and we must not scare people who are about to see changes.

Some of the universal credit system has not been perfect, but changes have been made. The offer of advanced payouts and the scrapping of the seven-day waiting period mean that people can have cash in their pockets, and I am glad to learn that the two-week advance of housing benefit is also helping. Ministers have said repeatedly that they are open to suggestions as to how to make changes as we proceed, and they are about to introduce a swathe of improvements. Before we get to the mass migration, I want us to ensure that those with mental health conditions will be helped, and the Government said yesterday that that would happen.

Let us all stop playing political games. We need a safer system, and we need to make it work.

Universal Credit

Vicky Ford Excerpts

Tuesday 16th October 2018 Commons Chamber

[Alok Sharma]

As I said both earlier and yesterday, the reason why we ensured that people can get 100% of their advance up front and an extra two-week run-on of housing benefit was to help them with their cash flows. The vast majority of people in this country are paid monthly, and the whole point is that we are replicating the world of work.

[Vicky Ford (Chelmsford) (Con)]

On 5 December in my constituency, people on UC live—about 660 people—will transition to full-service UC. As claimants move to full-service UC, will the Minister confirm that they will see no change in their benefits? Will he also confirm that he will meet specialists, such as those from the charity Mind, to ensure that there is support for disabled people before full migration from legacy benefits?

[Alok Sharma]

As I said, I am in the process of meeting stakeholders, and I have indeed met Mind, as have other colleagues. We will of course ensure that we do everything that we can to take care of the vulnerable.

UN Convention on the Rights of Persons with Disabilities

Vicky Ford Excerpts

Wednesday 20th June 2018 Westminster Hall

[Rosie Duffield]

Absolutely. I have heard from my own constituents about the assumption that they have access to a computer, and many people use public libraries for that service.

On top of all of that—as if existing barriers to disabled people maintaining sustainable income and accessing information and help were not already high enough—the Committee on the Rights of Persons with Disabilities rapporteur concluded that UK Government cuts have disproportionately impacted on disabled people, amounting to “grave and systematic violations” of the rights of persons with disabilities.

[Vicky Ford (Chelmsford) (Con)]

Going back to the point that the hon. Lady made about helping disabled people get into work, my experience in my constituency is that a huge number of projects are going on that do help disabled people to get into work. Clearly, every individual is different, and some people need different levels of support, but will she join me in saying, “Well done,” to the 600,000 disabled people who have moved into work in the past four years? Great progress is being made, and we should congratulate them.

[Dame Cheryl Gillan (in the Chair)]

Order. Before the hon. Lady resumes, may I remind people that we like interventions to be short—slightly shorter than that?

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[Rosie Duffield]

I thank the hon. Gentleman for raising that point, but the cap is still quite low and it is difficult for people to get beyond that.

It sounds too simple to say that problems with PIP assessments cause poverty, but it is true. Those statistics bear witness to that fact. The trauma caused by the PIP assessment process and the ramifications of losing welfare provision are even more infuriating, because 69% of decisions made by PIP assessment bodies are overturned by our courts. I hear about this every single week from my constituents. If 69% of decisions are challenged and later found out to be wrong, the original system is not just broken; it is wholly inadequate.

[Vicky Ford]

I agree that for some people the PIP assessment has been severely challenging, but only 4% of cases are now being appealed, because the process has improved. [Interruption.] Does the hon. Lady agree that continual improvement is needed, and that we should work to have PIP assessments recorded, when the claimant wishes, so that the claimant can have greater confidence in the process?

[Rosie Duffield]

I thank the hon. Lady for her point, but as my colleagues are saying, people often give up on the process because it is simply too distressing and stressful. I have not heard any success cases in my surgery. People are really distressed by this.

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[John Howell]

I am sorry, Dame Cheryl, for allowing interventions to run on, but my hon. Friend makes an important point. He is right that we need to cut through the haze and give the figures, so let me repeat one: 600,000 disabled people have been moved back into work in the past four years. That is something that we should be proud of and hang on to.

Like my hon. Friend, the problems that I have found have been with the implementation of PIP, not with PIP itself. It behoves us to work closely with the Department and the Secretary of State to ensure that we get those things right, and I am pleased that I have been able to do that.

[Vicky Ford]

Will my hon. Friend give way?

[John Howell]

Of course—provided my hon. Friend is brief.

[Vicky Ford]

This time last year I got a lot of cases from constituents who had problems with the PIP assessment process, but it appears to have improved. I fundamentally believe that it would be better if it were easier to get those assessments recorded. Does my hon. Friend agree that that would put more trust in the system?

[John Howell]

I do—my hon. Friend has got this right. We can all help with that. I will not claim responsibility for the improvement in PIP, but I think that all of us who have worked with the Department and the Secretary of State to do that can claim some responsibility for the improvement in the process. We need to do more to make that work.

With those remarks, Dame Cheryl, I will sit down and allow the debate to move on before anyone else intervenes at length.

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[Fiona Onasanya]

I agree that the system needs changing. My concern is that if there are recommendations that could make a process better or even more streamlined, why would they not be adopted? I do not have the details of the situation of my hon. Friend’s constituents, but I do not understand why his assessment would be refused for being three minutes late.

We are all in agreement on seeking to help those who need assistance, but why are recommendations that would make the process easier and more streamlined not being taken on board? Why are we not looking at people’s rights? We are all one race—the human race—so why are we not looking at people and saying, “You need assistance.”? It is a bit like a body: if in a big society—to coin a phrase from the Government—something is not functioning correctly, why do we not stop and rectify it? Why do we just say, “Actually, don’t worry about that,” and carry on? That is how it comes across to our constituents.

[Vicky Ford]

Has the hon. Lady ever taken part in a work capability assessment? I had one acted out for me to allow me to understand the process, which was enormously helpful. I would recommend that other Members do that. One can either sit through an assessment or have the process demonstrated. It was really helpful to aid one’s understanding.

[Fiona Onasanya]

Sorry, Dame Cheryl, I realise that time is short, so I will be quick. I have not been to a work capability assessment, but one of the people I work with who was a barrister goes to many assessments to advocate on behalf of disabled people, because the assessments are not very clear and the way in which questions are asked can be quite misleading. That is how I was able to give the analogy about the distance in metres.

Personal Independence Payments

Vicky Ford Excerpts

Monday 4th June 2018 Commons Chamber

[Ms McVey]

I reiterate that under PIP we are supporting more people than before and giving them a higher rate than they ever got before. If the hon. Lady is questioning whether money is being handed out to people who need it now, I ask her to consider how many fewer people were getting that support under DLA, the previous disability benefit. On the mobility component, in respect of which I rightly did not seek leave to appeal, we are supporting an extra 200,000 people—I take it that both sides of the House agree I should be helping an extra 200,000 people. That is what we are doing. That is what we are aiming to do. I think I said earlier that the first payments would be made at the start of the summer; I meant at the end of the summer. As I said, in respect of the specific cases that gave rise to the urgent question, those concerned will get their first payment in the coming days.

[Vicky Ford (Chelmsford) (Con)]

How much money was spent on disability payments in 2010, how much is being spent today, how much will be spent in 2020, and when will the Secretary of State introduce recordings of PIP assessments?

[Ms McVey]

I can tell my hon. Friend that the expenditure has continued to go up and will go up every year until 2022; it has increased from 2010. For PIP, DLA and attendance allowance alone, expenditure is £5.4 billion higher than it was in 2010. There will be future announcements on the continuous improvements for PIP, but I can say now that we want to introduce video recording—that is key—and when we do we will start with pilots to make sure it is right. We want a modern benefit that looks after and reaches out to disabled people and gives them the money they should be getting.

Oral Answers to Questions

Vicky Ford Excerpts

Monday 21st May 2018 Commons Chamber

[Sarah Newton]

From the way the hon. Gentleman has presented that, of course I would unequivocally agree that it was totally unacceptable. The assessors are not given a script, and we expect them to treat everybody with utter respect and dignity.

[Vicky Ford (Chelmsford) (Con)]

On Friday I attended a simulated work capability assessment in Chelmsford and it was very helpful. What progress is my hon. Friend making to ensure that all assessments for employment and support allowance and PIP can be more regularly recorded so that those with mental health and other concerns have greater transparency?

[Sarah Newton]

I am pleased that my hon. Friend took the opportunity to visit her assessment centre; I am always happy to arrange these meetings so that hon. Members can see at first hand what is usually a very professional, very compassionate assessment. But of course we want to go further and make sure that every assessment is a good assessment, and recording is definitely part of our plans for improvement.

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[Sarah Newton]

It is well worth pointing out that the vast majority of people go through the process and get the support they need, and many more people are receiving higher-level support under PIP than under disability living allowance. However, when I hear of cases such as that, something has clearly gone amiss, so I will be happy to meet the hon. Gentleman.

[Vicky Ford (Chelmsford) (Con)]

T10. What action are the Government taking to make sure that parents cannot hide earnings from their child maintenance payment calculations?

[The Parliamentary Under-Secretary of State for Work and Pensions (Kit Malthouse)]

The Child Maintenance Service is working hard to improve its recovery efforts and will be increasing the number of individuals assigned to the financial investigations unit. The Child Maintenance Service is working much more closely with Her Majesty’s Revenue and Customs to make sure that we have as full a picture as possible of people’s earnings and to ensure that people take responsibility for their children.

Oral Answers to Questions

Vicky Ford Excerpts

Monday 5th February 2018 Commons Chamber

[Ms McVey]

The underlying principle of how we get people into work is working right the way across the United Kingdom. It is working in Scotland, and that is correct. Equally, we agree with giving extra powers to devolved Governments, and Scotland has the right to do things in its own way. As we pointed out earlier, however, some of the changes taken on board in Scotland have actually resulted in slower payment to people who need their benefits.

[Vicky Ford (Chelmsford) (Con)]

7. What recent comparative assessment she has made of rates of unemployment in the UK and other European countries.

[The Secretary of State for Work and Pensions (Ms Esther McVey)]

The UK has the joint fifth lowest unemployment rate in the EU—better than France, the Netherlands and Denmark. The UK’s unemployment rate, at 4.3%, is the lowest in 42 years. It is less than half that of the euro area, which is 8.7%, and 3 percentage points below the EU28 average of 7.3%.

[Vicky Ford]

Unemployment in my constituency of Chelmsford is now less than 1.5%, and those who are able to work are finding jobs, but will the Secretary of State reassure my constituents who need our financial support that they will continue to be supported when universal credit is rolled out later this year?

[Ms McVey]

I congratulate my hon. Friend on the work she is doing as a new MP, and her constituents on the work they are doing to find employment, getting on in their careers and moving forward. As I have said, this Government believe in hand-up support and opportunity. The support of universal credit—a benefit that supports people in and out of work—will continue not only for her constituents, but for people right across the country.

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[Guy Opperman]

The hon. Gentleman and I have a meeting in our diaries for, I believe, a week Monday, when I hope to expand on that specific point. He will know that credit union membership has doubled in the past 10 years, and I can assure him that we are discussing these matters with the Treasury, which has ultimate control over credit unions.

[Vicky Ford (Chelmsford) (Con)]

I am a mathematician and a mother, so I am concerned that the head of the UK Statistics Authority had to write to a shadow Minister to point out that statements that they made were not based on real sources or real statistics. Does my right hon. Friend agree that the shadow Minister should apologise?

[Ms McVey]

My hon. Friend puts it so eloquently. It is about time that Opposition Members apologise for their scaremongering.

Financial Guidance and Claims Bill [Lords]

Vicky Ford Excerpts

2nd reading: House of Commons
Monday 22nd January 2018 Commons Chamber

[Ms McVey]

I will briefly give way but I will then continue with my speech.

[Vicky Ford (Chelmsford) (Con)]

I listened very closely to what the Secretary of State said about the breathing space, which is a really welcome period to help individuals —she mentioned individuals—to sort out their debts without getting into more problems. Will she confirm that that also covers households and families so that it helps the whole family, not just the individual?

[Ms McVey]

When people call seeking advice and support, they may be doing so for themselves or for the household—for example, they may need respite for all the family—and if so, they will invariably be looking for help not just for themselves, but for their family in its entirety.

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[Chris Philp]

I notice that my hon. Friend takes a different view from the hon. Member for Airdrie and Shotts (Neil Gray), and no doubt he will elaborate on that point if he speaks later in the debate.

[Vicky Ford]

I thank my hon. Friend for making this powerful speech. In addition to raising the cost of insurance for everybody else and encouraging people to commit fraud, does he agree that cold calling can often cause huge distress to the person on the other end of the phone, who is constantly reminded about an accident that they might wish to forget?

[Chris Philp]

My hon. Friend makes a good point. I consider myself a fairly robust individual, but the constant pestering by those companies was distressing, and if somebody is vulnerable in any way, I can imagine that it would be very distressing indeed.

That leads me to my next point in relation to the cold call ban contemplated under clause 4. I strongly welcome the clause’s inclusion, but its structure invites the new single regulatory authority to make a recommendation to the Secretary of State, who then, by regulation, has power to act. Given the pressing nature of the problem, will the Secretary of State consider a more direct route—that is, the Secretary of State having the power to ban cold calling in this area immediately, without needing to wait for a referral by the new regulatory authority? I see that the Secretary of State is listening to the point. I hope she will consider it, as Members on both sides of the House might welcome such an amendment as consideration of the Bill progresses.

There are other things that we need to do that are probably beyond the scope of the Bill but important none the less. In particular, the Government are consulting on the civil procedure rules and bringing overseas claims—holiday claims—within the scope of the fixed fee schedule. That would be an extremely welcome move, and I encourage the Ministry of Justice to expedite its response to that consultation, which is welcome.

In 2017, I had the pleasure of serving on the Committee that considered the Prisons and Courts Bill—I see the Minister recalls that—whose work was unfortunately interrupted by the general election. I believe that the Government plan to introduce a civil liability Bill in due course. Again, I encourage them to introduce that Bill as quickly as possible, because many important measures could be included in it that would assist in dealing with the problems to which I have referred, not least raising the threshold for the small claims track to £5,000, considering a ban on general damages in relation to low-value injuries and ensuring that the medical evidence standard for these various claims is made a little higher—for example, requiring someone actually to see an independent doctor face to face. The civil liabilities Bill could do a range of things once introduced.

Not wishing to stretch the elastic of your guidelines, Mr Deputy Speaker, I conclude by saying that this is a welcome Bill that will do a great deal to strengthen consumer protections. It is a great pleasure to speak in support of it on Second Reading.

State Pension Age: Women

Vicky Ford Excerpts

Wednesday 29th November 2017 Commons Chamber

[Guy Opperman]

I will not give way any more, because I am conscious that 20 Members wish to speak.

Automatic enrolment was introduced in 2012 on a cross-party basis after a considerable amount of time. The important point is that the overall participation in workplace pensions of eligible female employees in 2012 was 58% but, following the introduction of automatic enrolment, the figure increased to 80% in 2016. For males, the figure increased from 52% to 76% in the same period. The private sector has seen the largest increase in participation in workplace pensions, and there was no gender gap in participation rates in 2016.

In the circumstances, I would respectfully point out that the key choice a Government face when seeking to control state pension spend is whether to increase the state pension age or to pay lower pensions, with an inevitable impact on pensioner poverty. The only alternative is to ask the working generation to pay an even larger share of their income to support pensions.

[Vicky Ford (Chelmsford) (Con)]

Will my hon. Friend give way?

[Guy Opperman]

I am not going to give way again—I am so sorry.

While increasing longevity is something to be celebrated, we must also be realistic about the demographic and fiscal challenges it creates for us as a society. Since the early 2000s, it has been widely recognised that we face big questions as a society about how we ensure economic security for people in retirement, while maintaining fairness between generations.

The Pensions Commission found in 2005 that a state pension age fixed at 65 was no longer sustainable or affordable. Between 2007 and 2014, three separate Acts of Parliament were introduced, each responding to changes in life expectancy by changing the state pension age. At the same time, the state pension has been increased, between 2010 and 2017, by £1,250 a year for an individual who is on a full state pension.

So with increasing financial pressures, as I have described, we cannot change a policy that has been implemented for over 22 years and supported by all three major political parties. The Government have to ensure that the costs of an ageing population are shared out fairly, without placing an unfair financial burden on future generations.

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[Vicky Ford (Chelmsford) (Con)]

It is a great honour to speak in the debate on this important issue on behalf of the many WASPI women of Chelmsford who have been to visit me, especially the lovely Cheryl Lucas, who speaks with great calm and compassion on the issue. I have deep respect for them and for the situation they find themselves in. Many of these women have worked for many years and paid their taxes and national insurance contributions. They have told me how they had made plans based on the expectation that they would retire on a certain date, only for that date to be changed. Some of them genuinely feel that they were not consulted or made aware of the change of date. Others had retired early in anticipation—

[John Woodcock (Barrow and Furness) (Lab/Co-op)]

The hon. Lady is putting her case very well. Is this not why it is such an insult to suggest to older women that things will be fine if they go out and get an apprenticeship?

[Vicky Ford]

Let me carry on with my point, because I would dearly love to help the WASPI women in my constituency who find themselves in this situation.

I look at the statistics, and as a mathematician, I remember looking at life expectancy a few years ago. My mother is 30 years older than I am, and my daughter is 30 years younger than I am. Of my mother’s age group—those born in 1937—6% will live to 100. For my age group, 16% will live to 100. In my daughter’s age group, it is 26%. We are all living longer, and we all therefore need to work longer. That is why successive Labour and Conservative Governments have been right to take measures to change the pension age.

I have thought about what more we could do to help the women who have been affected. If we give them additional financial or tax benefits, what then do I say to women like me who were born in the 1960s? Why should a woman born in 1959 get an additional benefit, but not the woman born in 1960? I have championed equality all my life, so what do I say to the men when the women get an additional benefit? What do I say to my daughter’s generation, who are struggling with student debt and struggling to get on the housing ladder? They can see that they may never have anything like the workplace pensions that we have had.

The jobs that the WASPI women have been doing in the past may often not be jobs that they want to continue doing into their 60s and may not suit them, which is why it is so important that we champion opportunities for some of our older workers—people in their 50s, like myself, and people in their 60s. We should go out and tell employers that these women are fantastic and can really add value. For those who have genuine problems, we must be faster in getting support to them. I was contacted by a WASPI woman just this week who has cancer and needs support, so we need to be quicker. I understand why the Government cannot write a blank cheque, but please let us find some support.

Universal Credit Roll-out

Vicky Ford Excerpts

Thursday 16th November 2017 Commons Chamber

[David Duguid (Banff and Buchan) (Con)]

Thank you, Madam Deputy Speaker—and thanks for pronouncing my name so well!

I congratulate the right hon. Member for Birkenhead (Frank Field) on securing this debate and welcome this opportunity to make my maiden speech. It is quite timely, because in just the past couple of weeks I have started engaging with my local Citizens Advice office and jobcentres on this very subject in preparation for the roll-out of universal credit in my Banff and Buchan constituency in March, in much the same way as my right hon. Friend the Member for Broxtowe (Anna Soubry) described earlier.

I am proud and honoured to have been elected by the people of Banff and Buchan to represent them in this place. I totally agree with my hon. Friends who have spoken before me about the beauty of their Scottish constituencies. However, as I am the last Scottish Conservative to deliver my maiden speech, I can now say definitively that Banff and Buchan is indeed the most beautiful.

I wish to take this opportunity to pay tribute to my predecessor, Dr Eilidh Whiteford. Eilidh represented Banff and Buchan in this House for seven years. She worked hard for her constituents, as well as here in Parliament. Earlier this year, she became the first Scottish National party Member of Parliament to have a private Member’s Bill passed into statute. Her Bill enhanced protection for victims of domestic abuse in line with the Istanbul convention. I am sure that the whole House will join me in thanking Eilidh for her contribution and wishing her well in the future.

The election results in June made it clear to me and my colleagues from the north-east of Scotland that the people there do not want another independence referendum. On top of that, regardless of how they voted in the EU referendum—for Members’ information, my constituency did vote to leave the European Union—the electorate in Banff and Buchan made it clear that they wanted the Government to get on and deliver Brexit. I committed to do all I could to support and influence the Government in getting the best possible Brexit deal for Scotland.

Leaving the EU presents great opportunities for the two main industries that define my constituency: fishing and farming. As we leave the EU, we will leave the common fisheries policy and, as we do so, we will regain complete control over access to our fishing waters out to 200 nautical miles or the median between two countries. In Banff and Buchan, we have two of the largest fishing ports in Europe: Peterhead and Fraserburgh. Peterhead is also a major port supplying the North sea oil and gas industry as well as, more recently, offshore wind projects. Seafood processing is a major industry in my constituency, with our produce exported across the UK, Europe and beyond, including to North America and Australia.

The other key industry in my constituency is of course agriculture. I am bound to say that Banff and Buchan has some of the best grazing land available, and that helps to produce some of the best Scotch beef and lamb. Of course, the topic of food and drink in Scotland cannot pass without a mention of Scotch whisky. Although there are relatively few distilleries in Banff and Buchan, much of the best malting barley is grown there.

Many of my constituents and others across the north-east of Scotland are employed, as I was for the previous 25 years, in the oil and gas industry. Workers from across north-east Scotland commute to Aberdeen or work offshore. Many work in related engineering, manufacturing and service businesses located around the north-east, not just in Aberdeen. Many of those businesses were started by local entrepreneurs, are still family owned and have grown into some of the biggest employers in the area. Indeed, some have won UK awards for their focus on the training and development of young people and apprentices.

I find it incredible that a constituency that is home to so many entrepreneurs and small and medium-sized businesses, and that contributes so greatly to the food and drink and energy sectors, has one of slowest average broadband speeds in the country. The average download speed across Banff and Buchan of 6 megabits per second can only be dreamed of by many of my constituents who are struggling to get speeds of 1 or 2 megabits per second, if they get any at all. That lack of connectivity hampers business growth and discourages people from coming to live in the area, so one of my top priorities is to pressure Governments on both sides of the border to work towards delivering an acceptable minimum broadband performance across rural Banff and Buchan, not just in the towns.

We live in an age when more and more of our services are provided online. However, while those online services increasingly become the norm, including when applying for universal credit, many people still do not have adequate access to broadband internet. That is simply unacceptable. A decent broadband service is rapidly becoming essential for every business, school, hospital and household, wherever they may be located.

Another growth opportunity in Banff and Buchan is tourism. Our coast across the north-east of Scotland is like no other on the British Isles. Rugged cliffs are home to a wealth of birdlife, including Scotland’s only mainland gannet colony at Troup Head.

[Vicky Ford (Chelmsford) (Con)]

We are all coming to visit.

[David Duguid]

You are all most welcome.

Our shoreline is regularly visited by porpoises and dolphins, and even the occasional humpback or killer whale.

In summary, Banff and Buchan is a great place to live in and to visit. However, the standard of some of our public services, particularly education and health, has taken a bit of a hit in recent years under a SNP Government who are obsessed with pursuing independence at any cost.

Our town centres are much in need of regeneration, with many shops and offices lying empty, particularly in coastal areas. For that reason, I decided to locate my constituency office in the old county town of Banff.

In conclusion, like Opposition Members, I welcome the opportunity to have strong voices—Scottish voices—in this House. With that said, I am especially glad to be one of the 12 additional Scottish Conservative voices on the Government Benches.

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[Andrew Bowie (West Aberdeenshire and Kincardine) (Con)]

I pay tribute to my hon. Friend the Member for Banff and Buchan (David Duguid), although I take issue with his claim to have the most beautiful seat in Scotland; indeed, I would take issue with the claim that he had the most beautiful seat in Aberdeenshire. Now that I know that that is where the gannets are coming from, perhaps he could do us all a favour in the southernmost part of the county and keep them up north. I would be very grateful indeed if he could do that.

This is the third time in four weeks that we have debated universal credit in this Chamber. That is not a bad thing. Indeed, this issue affects many of our constituents, and it is arguably the biggest reform to welfare since the Beveridge report in the 1940s, so it is right that we spend our time debating it.

I am incredibly lucky at this stage in my parliamentary career to serve on the Work and Pensions Committee, under the chairmanship of the right hon. Member for Birkenhead (Frank Field), whose skill in chairing it is a lesson in how to drive a debate. I sit alongside some incredibly passionate and learned MPs from all persuasions. What unites us is the desire to get to the nub of some of the biggest problems and issues facing our welfare system, to get answers and to find out how we can make the system better for our constituents, who rely on it. I hope, and I think, that that comes through in the report.

We all, I hope, believe in universal credit, and we all will it to work. The first page of the report states:

“Universal Credit has great merits as an idea. It aims to…simplify an overcomplicated welfare system by combining six different benefits in one…improve incentives for people to start paid work or increase their hours”

and

“ease the move into work, partly by mirroring the world of work in its operation.”

The report goes on to say:

“Implemented properly, Universal Credit has the potential to have a genuinely transformative effect on the labour market and make a valuable contribution to reducing poverty.”

I, for one, believe that universal credit is working and can work.

As I have said before in the House, the “Universal Credit at Work” report found that 71% of people claiming universal credit found work within the first nine months of their claim—a rate 8% higher than that for the comparable jobseeker’s allowance. People claiming universal credit on the live service were three percentage points more likely to be in work after three months than those claiming JSA and four percentage points more likely to be in work six months after starting their claim. These numbers look small, but actually signify many thousands of lives that are dramatically improved by this policy.

Out there and in here, however, there are genuine and serious concerns surrounding elements of the roll-out—specifically the six-week wait for the first payment, and it would be entirely remiss of us, as a Select Committee and as a House, to ignore those. The Committee heard and stated in the report we are debating that the six-week wait has been associated with increases in rent arrears, problem debt and food bank use. It urges the Government to aim—aim—to reduce the standard waiting time for a first universal credit payment to one month.

It would be entirely remiss of us not to acknowledge, however, that the Government have been proactive in trying to find solutions for those of our constituents who need help the most or who cannot wait till the end of the six-week period as it stands now. In October, in his speech to the Conservative party conference, the Secretary of State announced that the DWP would make advance payments of universal credit more readily available to those who needed them. As the report says, we were all impressed on our visit to London Bridge jobcentre by the ease and speed with which an advance payment could be granted.

This debate is not supposed to be about whether we should pause or stop the roll-out of universal credit, as other debates on this issue have been; it is supposed to be on the content of the report presented by the Work and Pensions Committee. I feel that the report is balanced and seeks to give recommendations to the Government, rather than unduly to criticise what we all want to be a successful roll-out of a transformational welfare benefit, and that is right. I believe that the Government are listening and are doing what we all, I think, want them to do—to press ahead cautiously, learning and evolving, testing and refining.

[Vicky Ford]

I thank my hon. Friend for listening on this issue, and I am listening hard because universal credit is soon to come to my constituency. I am pleased to hear him say that the advance payments help with the six-week gap. Has he looked at the repayment period for these advance payments, and is there enough flexibility in their repayment, especially for people who are challenged in getting back to work?

[Andrew Bowie]

I thank my hon. Friend for her intervention. I will be blunt and honest and say that I have not looked at that in great detail, but I will do so and get back to her.

I was saying that the Government are listening and should be doing what we want them to do, which is to press cautiously ahead with the roll-out, learning and evolving, testing and refining the system as it continues to deliver this important benefit to the people of the United Kingdom.

[Melanie Onn (Great Grimsby) (Lab)]

I congratulate the hon. Member for Banff and Buchan (David Duguid) on an excellent maiden speech. I also congratulate my right hon. Friend the Member for Birkenhead (Frank Field) on securing this debate.

At Prime Minister’s questions yesterday, my right hon. Friend the Leader of the Opposition raised the issue of a letting agency in my constituency that has issued all its tenants with a notice of eviction, in anticipation of the universal credit roll-out beginning next month. It is effectively a pre-emptive notice of eviction, as my hon. Friend the Member for Hove (Peter Kyle), who is no longer in his place, mentioned in an intervention. That notice means that any constituent who falls into rent arrears as a result of the delays in their welfare payments can be evicted without notice. The roll-out of universal credit in my constituency is due on 13 December for all new claimants. Because of the issuing date of the notice, the earliest that people could find themselves at risk of eviction is mid-January. Because the notice has already been served, people could be evicted without notice from mid-January to mid-May, at which point the notice expires, and I assume the plan will then be to re-issue it. The constituent who first contacted me about this said she feels “utterly helpless” and “heartsick”. This is an absolutely outrageous way to treat people.

[Vicky Ford]

Will the hon. Lady give way?

[Melanie Onn]

The notice will have left all those who received it stressed and worried for their futures.

[Melanie Onn]

I was really disappointed that the Prime Minister did not condemn that letter in the Chamber yesterday, and I invite the Minister to do that today. Rather than acknowledging the impact this policy is clearly having, she waxed and waned about the fact that she had not seen a copy of the letter. Well, I have the letter here, and I am very happy to hand it over to the Minister once I have finished my speech, so that he has a chance to read it for himself, if he has not done so already. The letter appears to be a blatant attempt to circumvent the laws passed in the Housing Act 1988 and the Deregulation Act 2015, which require two months’ notice to be given to tenants before an eviction can be carried out.

[Vicky Ford]

I thank the hon. Lady for giving way. A number of us on the Conservative Benches would like to join her in condemning that letter, which we believe is illegal, and we would like to have a copy. Has she actually met the housing association to tell them that it is not legal?

[Mr Deputy Speaker (Mr Lindsay Hoyle)]

Order. The letter is becoming quite contentious. I am sure that it can be passed to the Minister.

--- Later in debate ---

[Helen Goodman (Bishop Auckland) (Lab)]

I am pleased to take part in this debate because in my constituency, 10,700 households will be moved on to universal credit. That is 21,000 people, which is almost a quarter of my constituents. On 13 December, those with new claims and changes of circumstance will be moved across to universal credit, and over Christmas many people will face a six-week gap in their income. That is not so much a merry Christmas as a Victorian Christmas that even Scrooge did not think of.

Ministers have banged on about advance payments, but let us look at what that means in practice. Suppose that a single disabled person with a payment of £400 a month takes an advance of £200 to pay their rent. If all goes according to plan they will then have their payments abated, so that their income over the next four and a half months will be £200, £320, £320 and £360. In other words, instead of an income of £1,800 over that period, it will be £1,200. That is not a “wait”; it is a cut, and many will feel that over Christmas it is the cruellest cut.

Seven years ago in my constituency there were no food banks, but after seven years of Tory Government we now have seven food banks. Labour Members have spoken previously about the need to address free school meals, and in my opinion every child in a UC family should receive them. Now, however, to add to the loss of income, during that six-week period children will not receive free school meals either. Ministers talk about preparing people for work, but this is an in-work benefit. In my constituency, 4,500 of the households that are being moved on to universal credit—that is 40%—contain people who are already in work and have jobs.

[Vicky Ford]

My understanding is that if a child received free school meals before, they will continue to receive them. It is only for those who are new to the benefit system that there may be a delay.

[Helen Goodman]

I am sorry to inform the hon. Lady that that is not the case for new claimants and those whose circumstances have changed.

I am alarmed at what is happening to women in low-paid work. Many are trying, with great difficulty, to do their best to balance their need to earn an income with their responsibilities for collecting their children from school and looking after them properly. They might work 20 hours a week to get the right balance, but the Government are now going to employ advisers to harass them to increase their hours. When Labour was in power, we had different rules for single parents from those for other families. It seems to me that the Government are trying not to help lone parents, but to grind them down and grind down their children as well.

[Vicky Ford]

I remember under the Labour Government that single mothers came to me who were unable to continue work because they were better off on benefits. Does the hon. Lady agree that the system of universal credit is to help people move into work, rather than be better off on benefits?

[Helen Goodman]

I am sorry but the hon. Lady is wrong. I took through the statutory instruments on work conditionality myself, and when we left government, people were always £40 a week better off in work than not in work. Those are the facts.

Women fleeing domestic violence are in an even worse situation. When they arrive at the refuge, they have to register their change of address as a change of circumstance, so they will be in the vanguard of those who have a six-week gap in their income. It may even mean that some do not flee violent partners because they are worried about the effect.

In Bishop Auckland, huge preparations are being made for the roll-out of universal credit. The council and housing associations are employing more people—unlike, I am sorry to say, the jobcentres, which should be employing more people. One housing association is increasing its provisions for bad debt fourfold. Money that would have gone to building new homes is now going to deal with this Government-induced crisis in the housing system.

Three months ago I asked to attend one of the digital courses to see how people are supported by jobcentres. That is a major issue in my constituency because we have very bad broadband in the rural areas, and high levels of digital exclusion. Ministers must bear in mind that 5 million people in this country have never sent an email, and those are predominantly people on low incomes—the very people affected by this change to universal credit. We raised that point with Ministers five years ago, and it still has not been sorted out. Some single men who have already made a claim told me that people are timed out after 45 minutes if they cannot complete the claim, but it is difficult to complete in that time because there is no written guidance to tell people what documents they have to produce and scan in.

I am not saying that the problems with this system are only administrative because there are fundamental problems with universal credit, the first of which being that George Osborne took £3.5 billion out of the system. The Government refuse to recognise that people need these payments, and because of that refusal, rates are too low, payment gaps too long, and tapers too high. Let us pause and fix the system.

--- Later in debate ---

[Alex Burghart]

The hon. Lady will recognise that there are lots of people who do manage to do that. [Interruption.] I have had enough of this Opposition.

I am delighted to say that under the universal credit system there is personal budgeting support. No one on the Opposition Benches has referred to it, but it offers money advice to help people with a four-week payment and offers alternative payment arrangements so they can have their money paid direct to their landlord. I am very sorry to hear that the hon. Member for Stretford and Urmston (Kate Green) found that that was not working well in her jobcentre. I have spoken to people in my jobcentre and I was pleased to see that they were completely on top of how the system worked.

Within universal credit, of course, there are a lot of problems, which have been talked about today and on other days, emanating from the long wait people experience when coming into the system. At the start of the process, far too many people have been waiting for far too long. The Select Committee report has drawn on that. Since the first roll-out phase, however, a number of improvements have been made thanks to the test and learn system. The landlord portal was very favourably received by people who gave evidence to the Committee, saying it would greatly help. We have also recently seen the initial evidence interview, the once and done process, which means that more information can be brought into the system straight away. These measures are all making improvements. I say to Opposition Members that we cannot learn unless we test.

[Vicky Ford]

My hon. Friend is a great expert on this subject and I would like to hear more about the areas where he considers improvements have been made.

Universal Credit Roll-out

Vicky Ford Excerpts

Wednesday 18th October 2017 Commons Chamber

[Ms Rimmer]

I agree entirely with my hon. Friend.

These people are stressed, suffering from the effects of poverty and the indignity of debt and borrowing from family and friends. Many are on medication for mental health issues, and much of this is debt related. My constituency of St Helens South and Whiston suffers from income poverty. Many of the jobs created in the last 10 years pay much lower wages. Some people are holding two or three jobs down and many are on zero-hours contracts. My constituency also has one of the highest prescription rates of antidepressants in the country, and many of those on that medication are young people and parents.

The assessment period for universal credit is based on four weeks working. My families do not have savings to live on for four weeks when they have been out of work, and their extended family does not, so they go into debt.

The Government have insisted on the poor paying the price of banker-induced debt, and they have used the global financial crisis to cut public services and stop the improvements that Labour introduced—policies that were responsible for lifting 1 million children out of poverty. Since 2010, the number of children in poverty has been rising. The Child Poverty Action Group has published figures showing that a further 1 million children may be driven into poverty, including 300,000 under the age of five—children hungry, children cold, children not able to go to school because they have not got a change of clothes. The Government are responsible for breaking up many families and children are suffering from stress. No wonder we have increasing numbers of children suffering from mental ill health.

The food bank in my full-service area has a 17% increase in usage—more than double the national average. More than half the users are people in work, and many of them are national health service workers.

[Vicky Ford (Chelmsford) (Con)]

Will the hon. Lady give way?

[Ms Rimmer]

Not at the moment.

A Citizens Advice survey showed that more than 39% of respondents waited more than six weeks for payment, while 11% waited more than 10 weeks and some waited 11 weeks. Where do they get the money from to live and to buy food? Of those on universal credit, 79% are in debt, which puts them at serious risk of eviction. Private landlords are not as understanding as social and charitable landlords. Bailiffs bang on the door, gas and electricity get cut off, and people are even at risk of imprisonment. Of those in rent arrears, 42% went into debt after making their claim for universal credit. Due to long waiting times, many have had notice to quit and been evicted from their family home.

The Government need to stop and open their eyes and ears. They should help, not punish, the poor and disabled. Be fair. Pause and repair this system.

--- Later in debate ---

[Rachel Maclean (Redditch) (Con)]

I welcome the acknowledgement of Opposition Members that they agree with the principles of this much-needed reform, which is changing a broken welfare system.

I am not standing up here pretending that everything is perfect. The system before was not perfect either. We are not blind to the stories of human suffering that we have heard this afternoon; they are profoundly devastating when we hear them. We all see those people in our daily lives and in our constituencies. That is why were are raising these issues with Ministers, and they are listening to us.

In my constituency, we are gearing up for roll-out very soon, and I am meeting those involved so that I can be there on the ground flagging up the support available to people when they most need it. Please let us remember that for every heartbreaking story we hear in this place, there are positive stories of people’s lives being changed by their being able to get back into work and meet their aspirations of taking on more work without being penalised for it. [Interruption.] Opposition Members shake their heads, but I have spoken to such people, as have many other hon. Members. My colleagues and I reject the caricature of us as uncaring robots. It does not help the constructive work we can do when we work together in this place.

[Vicky Ford]

I thank my hon. Friend for reminding us that we all agree that the principles of universal credit will deliver great benefits. Does she share my concern, however, that the Opposition want to delay the roll-out of a programme that has already taken nine years? How much longer do they want?

[Rachel Maclean]

As my hon. Friend says, the programme is being rolled out cautiously. We spend a lot of time in our areas working with constituents to make sure they are not negatively affected. It is our job to ensure they get the help they need. I cannot vote for the motion tonight because it targets the most vulnerable people aspiring to escape the cycle of poverty in which they are trapped by the existing broken system.

--- Later in debate ---

[Laura Pidcock (North West Durham) (Lab)]

Universal credit is clearly designed by people who lack knowledge and experience of poverty and of what it is like to be an unemployed worker, and who have no experience of the full impact that this policy will have on claimants. I am absolutely appalled by the apathy shown by those on the other side of the House towards stories of suffering. Why do they think there is such a level of feeling among advice and support agencies? Do they think those agencies are just making it up? How dare this place test and learn a policy on actual people, on actual citizens? They have tried once again to divide those looking for work and those in work, but the people out there will see through that.

I want to make one substantive point about this policy, and that is on advance payments—or loans, as they actually are. They have always been available. They were supposed to be available only for those at crisis point. Let me tell the House how much that amounts to for a single person under the age of 25: they get about £126 for six weeks, which equates to £21 a week or £3 a day. I challenge anyone in this place to try to survive on £3 a day—

[Vicky Ford]

Will the hon. Lady give way?

[Laura Pidcock]

Absolutely not. I challenge anyone in this place to try to do that and not feel the sense of outrage that we do.

I could talk about in-work conditionality, which punished those on zero-hours contracts, and the wholly inappropriate roll-out of this system in North West Durham on 13 December, which caused misery across the festive period. All the inadequacies and difficulties I have outlined have simple solutions. There is no need for such a protracted assessment period and there should be a clear and flexible payment option. There should be a warmth about the Department for Work and Pensions, a comfort. People should not feel scared or worried in their dealings with the Department. It should offer hope, security and guidance for my constituents. All that is within the power of this Government. Please pause this roll-out.