Student Loans

Vikki Slade Excerpts

Wednesday 18th March 2026 Commons Chamber

[Joe Robertson]

Let me ask the hon. Member a question, because his party is in government, he has power and he can change things. Does he think the system is fair? No, he does not, because he has already told this House that it is not. Is he not bitterly disappointed that his own Government have not got a plan to change it? If he does not like the system that existed before July 2024, why are his Government not changing it?

The Opposition have brought forward a plan, which we are debating today. It would mean that those on plan 2 student loans will not end up paying more and more above RPI, so the Government will not be making money out of them having a loan. That is a meaningful change. The Government can go further because they are in power. I hope that our party, by the time of the next election, will be able to offer more, but we have already announced that we would abolish stamp duty, helping young people. We have already announced that we would scrap bad courses that offer no real additional employment prospects for people who do them, other than leaving them saddled with debt.

It would seem that most Labour Members have history degrees, given the amount of time they have spent speaking about the last decade, but we are talking about the system that exists now. When I went to university, I accepted the principle that young people who went to university did not contribute enough to the education that they received. Under the Blair Government, undergraduates were asked to contribute more. Clearly there is a benefit for society in having an educated and graduate workforce to take up jobs as teachers and doctors, for instance, but there is also a great benefit for those who take up those jobs, because of the higher earnings involved. That is a principle I supported. It is a principle most people supported, and I still support it. However, we have plainly reached a tipping point for too many students. The personal debt is so high that they have no real prospect of ever paying it back. Some have degrees that give them no real opportunity ever to earn more than they would have earned had they been in a good apprenticeship—a good apprenticeship that the last Government gave them the opportunity to enter into.

[Vikki Slade (Mid Dorset and North Poole) (LD)]

My son is studying for a degree in musical theatre performance, and is due to graduate in a few weeks’ time. That may be something that the hon. Member thinks has no value. My son will probably spend a certain amount of time working tables and trying to make a living while he progresses in his career. He would not be able to be of use to people as a future teacher, a future councillor, a future communications officer or, perhaps, a future politician without that degree. Is the hon. Member suggesting that his degree has no value?

[Joe Robertson]

I am sure that the hon. Lady’s son’s degree is an excellent degree and that, hopefully, he will gain an excellent job, but that is not the case for every student. Too many students in this country are saddled with tens of thousands of pounds of debt. They do not know their repayment terms because they change, and some of them have degrees that will give them no additional prospect of a job to allow them to repay their debt. I hope that most of us can agree on that principle. It is therefore perfectly legitimate to ask this question: should we be putting an end to some of these institutions and courses when they are doing nothing for the young people involved?

This is not a deregulated market. In order to be able to offer a degree, an institution has to be licensed. There is no groundbreaking idea behind saying that certain courses are not of degree quality, and that the public should not be subsidising those courses. Governments already make decisions about that. It is the Conservative party that is proposing—for some reason the Labour Government do not want to do it—that young people who are sold a future that simply does not exist should not be saddled with debt, and the taxpayer should not subsidise them.

Child Maintenance Service

Vikki Slade Excerpts

Tuesday 17th March 2026 Westminster Hall

[Vikki Slade (Mid Dorset and North Poole) (LD)]

I congratulate the hon. Member for Bolton North East (Kirith Entwistle) on securing the debate, and I thank her and the Minister for allowing me time to speak. I will cut to the chase to make sure that the cases I want to reference are heard. I have raised this issue so many times in this House, and it is disappointing that we have only 30 minutes when so many Members wish to speak.

Mark was abused by a partner, but was not believed until she attacked another man. He paid for his child, but was banned from seeing them for six years. It is only now that the court has redressed that injustice. Sarah was forced to undergo the indignity of DNA testing, despite years of her ex-partner seeking custody of their children. He now pays one penny a month in arrears. Nicola’s ex has taken to working abroad to avoid payments. His arrears are going to take 471 years to clear.

After I spoke about this issue in the Chamber last month, 1.2 million people viewed my video and 5,000 people contacted me—mums and dads from across the country with harrowing stories. While most were women who recognised my constituent’s experience, hundreds of men also wrote to me about being denied access, losing money directly from their accounts and being pushed to breaking point. Some told me about men who had taken their lives after being overwhelmed by the CMS process.

The House of Lords has concluded that parts of the CMS are no longer fit for purpose, and it is really time to make this change. We must make sure that people are not hiding income. It is not fair that resident parents are still having to pay their bills to their landlords and Tesco, but non-resident parents can deduct everything else before their child maintenance. That simply does not work.

I know that colleagues across Parliament, from every party and every region, have called for this debate, but debate is not enough. We need to have a full consultation, to learn lessons from other countries that manage child support better, and, ultimately, to have a White Paper so we can create a positive legacy for separated families. I am holding a roundtable on Friday, not just with my own constituents but with all of these people who have asked me for help. We must change this system.

Oral Answers to Questions

Vikki Slade Excerpts

Monday 9th March 2026 Commons Chamber

[Pat McFadden]

The hon. Gentleman will find that graduate unemployment is an international issue. If we want more non-higher education skills, he should support our plans to stop the decline that we saw in youth apprenticeship starts when his party was in power and to direct more money to youth apprenticeship starts. That is precisely what we will do.

[Vikki Slade (Mid Dorset and North Poole) (LD)]

MYTIME Young Carers in Dorset works to identify and support young people with caring responsibilities, as without information on their whereabouts, it is hard to target them for initiatives. In a recent national youth voice survey, one in three young carers aged 16 to 18 reported that they were not in education, employment or training. That is eight times the rate of the rest of their peers. What steps is the Department taking to level the playing field for young carers alongside their peers, so that they can fulfil their potential?

[Pat McFadden]

The hon. Lady makes a good point. When we look at the total number of NEETs, within that is what we might regard as standard unemployment cases, a lot of health, sickness and disability cases and a significant number of young carers. One of the things we are doing is expanding childcare support through free breakfast clubs and extending the number of free hours so that we can support young parents to get into work after they have had a child.

Oral Answers to Questions

Vikki Slade Excerpts

Monday 26th January 2026 Commons Chamber

[Andrew Western]

I confess that my hon. Friend has had more conversations with the Department for Education on this subject than I have, because he met the Secretary of State recently to discuss this. He will be pleased, I am sure, to know that the Department for Work and Pensions, working with UKHospitality, piloted skills passports in the hospitality sector last year, and that the role of my noble Friend the Skills Minister sits directly between the Department for Education and the Department for Work and Pensions specifically so that the sort of joined-up work to which he refers can take place.

[Vikki Slade (Mid Dorset and North Poole) (LD)]

Samee is a charity working in Dorset to support disabled young adults into self-employment. It has celebrated 10 years and supported 2,700 people, and it has what it tells me is the world’s only supported self-employed internship. Young people who have learning disabilities have great skills for self-employment. However, they cannot access the work because they cannot get a unique tax reference because they take more than 12 months to get to the relevant earnings levels. What is the Minister doing to help young people into self-employment so that they can fulfil their destiny?

[Andrew Western]

The hon. Member raises an important point. Can I begin by commending that charity in her constituency? There is an acknowledgment among the ministerial team that we need to look particularly at the support available for people looking to move into self-employment, and I would be happy to meet her to discuss the work of the charity further.

Oral Answers to Questions

Vikki Slade Excerpts

Monday 8th December 2025 Commons Chamber

[Sir Stephen Timms]

There is a great deal of work to be done: the disability employment gap has been stuck at around 30 percentage points ever since 2010. We have talked already today about Motability, which is key for enabling many disabled people to get to work. After the changes next July, there will still be a wide range of vehicles available in exchange solely for mobility benefit. Access to Work is also extremely important. We consulted earlier in the year through our Green Paper on reform to Access to Work, so that we can help and support more people, and we will be bringing forward proposals along those lines in the new year.

[Vikki Slade (Mid Dorset and North Poole) (LD)]

I have been assisting several constituents who are deaf and need the support of British Sign Language interpreters and face-to-face appointments. There are only five BSL interpreters available to cover the whole of Dorset, and as a result people are waiting extremely long periods not only to get appointments but to get access to help them get to work. Can the Minister explain what is being done to provide more such services?

[Sir Stephen Timms]

I am sure that the hon. Lady will be interested in the recent report published by the BSL Advisory Board, which works with the Government specifically on BSL. I met members of the board last week. They produced a report recently on access to health and care support, specifically highlighting some of these issues. For example, how do BSL users make GP appointments? The other steps that I have outlined today will also be important for deaf and disabled people, and we will continue to work closely with BSL Advisory Board on these issues.

Pension Schemes Bill

Vikki Slade Excerpts

Report stage
Wednesday 3rd December 2025 Commons Chamber

To conclude, I really support the Bill and its aims. The Cornwall pension fund benefited from its initial consolidation into the pool by being able to invest in local infrastructure, and we made responsible investment one of our top priorities; I believe that has continued since I stepped down as chair. There are issues to do with consolidation and growth that I would like the Minister to look at, and I look forward to hearing his response.

[Vikki Slade (Mid Dorset and North Poole) (LD)]

I welcome the overall thrust of the Bill. Measures such as the pension pot consolidations are long overdue and will make a real difference to savers, particularly small savers. Every new year, I try to tidy up the numerous tiny pensions from jobs I had in my 20s and 30s, but the pots are so small that the cost of a financial planner and the exit fees would wipe them out, so this reform is great news for consumers who have been on low incomes and have moved from job to job. I urge the Government to go further by lifting the threshold. After all, a pension pot of £10,000 will generate a payback of only around £50 a month, which is barely enough to cover a basic weekly shop. The Bill goes in the right direction, but it does not go far enough or move fast enough. I am concerned that it leaves groups of pensioners who did the right thing by saving for the future considerably out of pocket.

Like others in the Chamber, I welcome the long-overdue decision to provide some indexation for pre-1997 pensions in the PPF and FAS, but let us be clear: this is not full justice. These pensioners have endured decades without inflation protection, and a CPI increase capped at 2.5% starting in two years’ time, at a time when the cost of living has soared, is still going to leave people struggling. They expected fairness and parity with post-1997 benefits, but what they have received is a compromise that falls short of restoring their full dignity and security in retirement. I call on Ministers to support the calls of many people, including the hon. Member for Llanelli (Dame Nia Griffith), to ensure that pensioners outside the PPF and the FAS are fully supported.

The case of AEA Technology pensioners is a long-running injustice that I have been dealing with since my first days in this place. Employees, who were often nuclear scientists and safety engineers, were promised pensions “no less favourable” than the civil service scheme, and many worked at the Winfrith atomic energy establishment, just outside my constituency in Dorset. I have met and talked to a number of them, including Peter, Phil, Sally and Michael, as well as Jonathan, who wrote to me saying that

“nearly 20% of AEAT pensioners have died since the campaign started in 2012, including my colleague and campaigner Derek Whitmell. This has echoes of the Post Office and infected blood scandals. Delay by the Government is simply unacceptable…this is now in sharp focus for me with Derek’s passing”.

Those pensioners trusted the promise that the Government gave them at the time, yet after AEAT collapsed, their pensions were cut by almost half, with inflation protection stripped away. Today, the fund holds far in excess of what is needed to restore their pensions in full, yet thousands of them remain short-changed.

I recognise the changes in the pre-1997 pensions announced last week, but they are woefully inadequate. That is not just unfair; it is a breach of trust. New clause 1, tabled by my hon. Friend the Member for Didcot and Wantage (Olly Glover), calls for an independent review so that we can finally deliver justice for those pensioners, just as the Government have started to deliver justice on many other historical scandals, which I welcome. This is one of those scandals.

I turn to another. While the Government’s intention to allow surplus sharing of defined benefit schemes is welcome, the Bill as drafted leaves pensioners exposed. UK DB schemes hold an estimated £222 billion in surplus, yet 88% of those funds have failed to use those surpluses to restore pensions eroded by inflation. Companies such as BP transfer the assets to insurers in bulk annuity deals worth £50 billion annually, while pensioners see their living standards fall.

My amendments 17, 18 and 19 seek to put fairness at the heart of the process. Amendment 17 would ensure that surplus sharing principles applied even when schemes were wound up. Amendment 18 would require consultation with members before the surplus was extracted, and amendment 19 would reinstate trustee consent and oblige trustees to consider whether pensions had kept pace with inflation and past requests for discretionary increases.

[Mr Alistair Carmichael (Orkney and Shetland) (LD)]

I have several BP pensioners, with BP obviously having operated the Sullom Voe terminal in Shetland for many years. The injustice they suffered, which left them with a pension worth about 11% less than it should have been because of the decisions of the trustee in 2021 and 2022, showed the inadequacy of the control and independence of the trustee in relation to the company. Does my hon. Friend agree that that requires urgent attention?

[Vikki Slade]

I thank my right hon. Friend for his intervention—he has stolen my next line.

John, who works at the BP depot at Wytch Farm, which is the largest onshore oil site in England in Poole harbour, told me that his pension has been eroded by 11%—he probably got the same letter as my right hon. Friend’s constituents. Even modest requests for discretionary increases made by the trustees have been refused by the parent company. Those discretionary increases were affordable; they would not have required any additional funds from the company. Another of my constituents, Suzie, who sits on the steering group, told me that the issue affects 56,000 pensioners from BP alone, but the change—a small one—would support pensioners from many other companies.

I will end by talking to new clause 3, tabled by my hon. Friend the Member for Stratford-on-Avon (Manuela Perteghella). I do so in memory of my mum Lin Foster, who died before she could access her pensions, and in support of my constituent Judith, who came to see me about her sister Alison, who died after receiving a terminal brain tumour diagnosis. Alison found that the paperwork required to access her lump sum meant that she would have to articulate and confront her impending death—something that she simply could not do on top of everything else. It meant that, as a result, she missed out on funds that could have made her last few months more bearable, as well as on potentially accessing treatments that might have given her a bit more time with her family. This simple clause would have allowed her medical team to make that declaration on her behalf via an SR1 and to reduce the administration for all concerned.

The Bill goes a long way in improving the lives of pensioners, but for the pensioners who are missing out, small changes could make a huge difference. I urge Ministers to think about the impact they could have on lives by little tweaks that will not cost the Government anything, or very much, at all.

[Peter Swallow]

Can I say at the outset how much I have enjoyed the debate? I particularly want to highlight the contributions of my hon. Friend the Member for Llanelli (Dame Nia Griffith), who powerfully raised some of the issues that I will go on to address, and—purely because I enjoyed the fiscal geekery—the contribution from the hon. Member for Aberdeen North (Kirsty Blackman), who rivals the Minister himself in her enthusiasm for financial issues. What a delight it was to experience that.

I welcome the opportunity to speak on this Bill, which touches on several issues close to my constituents in Bracknell Forest. It is also worth acknowledging the strong action that the Chancellor took in the Budget to support all pensioners by raising the state pension by up to £550. That is possible only thanks to Labour’s steadfast commitment to the triple lock on pensions. That is real action on pensioner poverty, at a time when the Conservatives and Reform have flirted with scrapping the triple lock.

Similarly, the Bill delivers real benefits to private pension savers across the country by simplifying and streamlining the system. The measures will increase their returns—around 3,300,000 workers on defined contribution schemes in the south-east alone stand to benefit by about £29,000 more for their retirement—while helping to unlock around £50 billion of investment in the UK economy. Hon. Members need only follow the Minister on Twitter to see why it is so important that we increase investment in the UK economy after many years of under-investment by the previous Government.

I thank the Minister for the work to get the Bill to this stage. I welcome in particular the measures providing for action on an issue close to the hearts of many in Bracknell Forest: the slow erosion of pre-1997 defined benefit pensions. It is for that reason that I will focus on new clause 22, which calls for the indexation of pre-1997 pensions. I sympathise deeply with the spirit of the new clause. The erosion of those pensions is an injustice—one that urgently needs addressing. It is important to say that not all pre-1997 schemes are in surplus. Although I agree that that is not the fault of their members, legislating to index would put entire schemes at risk, and I believe that that is not a risk that any sensible Government would take. However, it is vital that the Bill marks the beginning of further action to bring justice to those with pre-1997 defined benefit pensions whose schemes are now in generous surplus.

I was delighted when the Chancellor announced at the Budget statement that members of the Pension Protection Fund will have their accruals protected from inflation, ending years of degradation. That has been carried through in amendments before us. I welcome the recognition in principle that those with pre-1997 pensions are indeed facing an injustice, and that action must be taken to rectify it. I have met many constituents who were formerly employed by HP and later HPE, which used to be based in Bracknell. They are now members of the HPE pension scheme, and have seen their returns decimated. I have spoken with other pensioners in other schemes, too—many of which have been mentioned by others Members across the House. It is not right that people who have worked hard and paid into their pensions now face ever-diminishing life savings through no fault of their own, despite many schemes, including HPE, having significant reserves.

One of my constituents, Ed, began drawing from his pension nine years ago. In that time, his pension has increased only three times, by three separate percentage increments: 3%, 1%, and 1%. He says that, had his pension risen in line with inflation, he would have seen his pension increase by around 38% over the years to 2025. As a result—this is the real-life impact—he has seen a dramatic fall in his living standards. Ed is not alone. Constituents in Bracknell and across the country should not have to fight any more to make themselves heard and achieve justice.

This is an opportune moment to do what we can to put that right. In the Bill, the Government are reforming the use of surpluses, rightly strengthening the hands of trustees to act, as the Government themselves have done for the PPF scheme, for which they effectively act as the trustee—they are leading by example. I thank the Chancellor and the Pensions Minister for meeting me to discuss that before the Budget. The Minister has been clear on his expectations of trustees following the passage of the Bill, including in his contribution today, and I thank him for his comments, specifically on strengthening guidance for trustees.

Today must be the beginning, not the end, of the story. I have written to the trustees of the HPE scheme urging them to use the powers in this Bill to right the wrong.

I wanted to take this opportunity to call once more on the trustees of the HPE scheme, and other schemes similarly in surplus, to do everything in their power to ensure that pre-1997 pensions are protected from inflation, and I wanted to do so on the Floor of this House because I think it important that we are as clear as possible that trustees will be given the powers they need to act and should follow through with concrete action to protect pensions. That is the right thing to do, and with the powers the Government are granting in the Bill, it is now in their hands to do it.

Neurodivergent People: Employment

Vikki Slade Excerpts

Tuesday 9th September 2025 Westminster Hall

[Vikki Slade (Mid Dorset and North Poole) (LD)]

It is a pleasure to serve with you in the Chair, Ms McVey. I thank my hon. Friend the Member for Ely and East Cambridgeshire (Charlotte Cane) for securing this important debate.

It remains deeply concerning that standard teacher training includes only half a day of autism-specific education. According to a survey by the National Autistic Society, just 14% of secondary school teachers have received more than that minimal exposure. Schools and academies are required to provide five days of professional development every year, so it strikes me as bordering on negligent if at least one of those days is not dedicated to the needs of children and staff who have some form of neurodiversity.

This debate focuses on supporting neurodivergent people into employment, but we have to acknowledge that the journey begins in school. Without adequate support in education, we are setting up neurodivergent people to fail. Society must recognise that people with a range of neurodivergent traits often make exceptional employees. Their unique strengths, sometimes referred to as superpowers, can make them ideal candidates for many roles, including, as in the case of the hon. Member for Hertford and Stortford (Josh Dean), as MPs.

I speak from some personal experience. My son George was diagnosed with autism, ADHD and other neurodivergent conditions at the age of 15. His educational journey was fraught with challenges. Although his nursery, Hoppers, had recognised that he learned differently from other children, subsequent schools failed him until a dedicated special educational needs co-ordinator intervened and helped us reset, and now Philly, his brilliant teacher at Linwood school, is putting him back on the right track. Our experience shows that young people with additional needs often take a winding path, fighting for every step. But as George approaches his 18th birthday, I can confidently say that any employer would be fortunate to have him, just as his current part-time employers, Jackie’s café, and Fab and Nikki at Custom House, already know. His journey is not unique. My inbox is full of pleas from parents to create a system where their children thrive.

Let me be clear: neurodiversity is not a disease; it is a natural and valuable part of the human condition. But our education system, curriculum and the fast pace of modern life often make it harder for neurodivergent individuals to thrive in work and in life. Simple adjustments, such as using coloured paper, changing the lighting or modifying furniture layouts, can make a world of difference in the workplace, the classroom, the supermarket, the cinema and across our world. Such changes not only support people with ADHD or dyslexia, but benefit people for whom English is not a first language, those with physical or learning disabilities and those with anxiety.

Failure to diagnose children early leads to adults feeling isolated, lacking confidence and facing unnecessary barriers. As others have said, only around a third of autistic employees are open about their diagnosis, which is a missed opportunity. With the right support, neurodivergent people thrive in the workplace, but they need the Access to Work scheme to function effectively. The current delays are leaving people without vital adjustments, jeopardising their ability to work. Changes must be made in consultation with neurodivergent and disabled people.

I encourage Members to vote for new clause 2 to the Bus Services (No. 2) Bill tomorrow to allow people with disabilities to access work at any time of the day or night, and not just after 9.30 in the morning. Disabled people need to get to work if they are going to be successful. As the leader of Bournemouth, Christchurch and Poole council I was proud to attend graduation ceremonies for interns in supported internships—young people who had never been given a chance to work. Witnessing their pride and their parents’ joy at their success was truly heartwarming.

Finally, I want to make a point about the future. Historically, autism was a barrier to military service, but that is changing. Even our military is recognising that autistic individuals bring valuable skills such as analytical thinking, attention to detail and technical aptitude. If the military can embrace people with neurodivergence, any business can do so. And we must remember that it is not about accommodating people who are neurodivergent, but making sure they understand that their way of seeing the world is as valid as anyone else’s.

Oral Answers to Questions

Vikki Slade Excerpts

Monday 23rd June 2025 Commons Chamber

[The Parliamentary Under-Secretary of State for Work and Pensions (Andrew Western)]

I understand the point that my hon. Friend makes. The treatment of maternity allowance in universal credit was subject to a judicial review, which upheld the policy of treating it as unearned income when calculating universal credit and of treating SMP paid by employers as earnings, in common with other statutory payments made by employers. My hon. Friend may be interested to know that, depending on individual circumstances, additional financial support—for example, child benefit and the Sure Start maternity grant—may be available to parents.

[Vikki Slade (Mid Dorset and North Poole) (LD)]

My constituent Tirath is currently being pursued by the Child Maintenance Service for £20,000, despite having successfully appealed the claim in 2022. He is now at risk of losing his professional status as a pharmacist because of this process. Will the Minister encourage the CMS to investigate that case urgently or to meet with me to discuss it?

[Andrew Western]

I am very sorry to hear about the plight of the hon. Member’s constituent. If she would like a meeting with me, I am very happy to give her that, and I am also happy to look into the matter, as she suggests.

Winter Fuel Payment

Vikki Slade Excerpts

Monday 9th June 2025 Commons Chamber

[Torsten Bell]

My hon. Friend always does a good job of not only representing Harlow, but remembering the economic progress that is being made. If anyone did not hear what he just said, he talked about rising growth, rising wages, interest rates falling and a country back on the path to success.

[Vikki Slade (Mid Dorset and North Poole) (LD)]

Almost £85,000 was paid out by Dorset Community Foundation through its “Surviving Winter” campaign, including to many in my constituency. The foundation has noticed that many more people are relying on oil and liquefied gas, especially those in park homes and rural areas. What is the Minister doing with Cabinet colleagues to push down the price of power for those who do not have a choice?

[Torsten Bell]

The hon. Lady’s question gives me the opportunity to praise the work done by all kinds of charities—in some cases through supporting pension credit uptake and, in the case of better funded foundations, providing direct support to pensioners. That is all very welcome. She is right to raise the wider question about sources of energy, but of course the winter fuel payment is a cash benefit that can be used for all kinds of energy.

Oral Answers to Questions

Vikki Slade Excerpts

Monday 12th May 2025 Commons Chamber

[Liz Kendall]

My hon. Friend will know, as we have been very clear with the House, that those figures do not take into consideration the number of disabled people who we believe will find work through our biggest ever investment in employment support, Pathways to Work. Neither do they take into consideration the huge strides we will make with our forthcoming child poverty strategy. We have been more open and transparent than any previous Government, publishing all the poverty impact and other detailed assessments, because we are very happy to have this debate in the House and to put forward our case. Our mission is to get as many people as we can into work and on in their careers, with more income and better choices and chances: that is what a Labour Government are for.

[Vikki Slade (Mid Dorset and North Poole) (LD)]

My consistent, Louisa, wrote to me about her PIP assessment. She suffers from a number of debilitating fluctuating conditions. Her assessment took over two hours and the assessor ignored her explanations, did not ask how she felt afterwards and threatened to end the call when her words were misinterpreted, which goes against DWP guidance. Will the Secretary of State undertake to review how fluctuating and invisible conditions are handled in the assessment process?

[Liz Kendall]

Yes, and I would really like the hon. Lady to send in that information and we will go through it with a fine-toothed comb.