(5 years, 11 months ago)
Commons ChamberI thank my hon. Friend for his question. He is absolutely right: the intrusion into a person’s home in a domestic burglary can completely undermine their feeling of safety at home. That is why we continue to ensure that the police have the resources that they need to cut crime and keep our communities safe, and of course make sure that police and crime commissioners—for example, in London—set the policing priorities for their area.
(7 years, 4 months ago)
Commons ChamberIt will surprise no one that there is a close link between poor mental health and problem debt—it will probably surprise no one that I wish to talk about it either. Three times as many adults with mental health problems report debt or arrears than those without mental health problems. The debt charity StepChange recently asked its clients how debt affected them. Over half said they had been treated by their GP or a hospital for debt-related physical or mental health problems. Whatever the root cause, that combination can have devastating consequences for people’s lives, resulting in a vicious downward spiral of worsening debt and worsening mental health.
One thing that the Government could have done in the Queen’s Speech was to introduce a statutory breathing space for those in problem debt—a period of protection against further interest, charges, collection and enforcement action for up to one year while people seek help with their debts, hopefully from a free debt advice agency. That would help them to stabilise their financial situation. It is not a controversial proposal—it was in our manifesto and the Conservative manifesto—so it is really disappointing and quite puzzling that it did not appear in the Queen’s Speech. I hope it will appear in some form later on.
A breathing space would be a win-win for everyone. Creditors would get a greater proportion of their debt repaid. For the state, a breathing space would help to mitigate some of the £8.3 billion cost of problem debt to the public purse, which includes £1 billion in health costs, by reducing demand for debt-related health services. For the individual, the chances of recovering from financial difficulty would be greatly improved, through delivery of the right support for people when they need it most. Household debt is high by historical standards and consumer borrowing is heading towards levels not previously seen. I hope that the new Government will address this seriously. A breathing space would be a really good place to start.
I would also like to mention something that came up before and during the election when I visited schools in my constituency. Under the funding formula, 89% of my primary schools are losing money, as is every secondary school. I spoke to one young pupil, aged 11, who said, “What’s going to happen to our nurture unit?” This is where pupils who are stressed or having a bad time at home can go to take time out and be supported. That is one of the first things that could be cut by the loss of £116,000 to that school. The demand on NHS services will surely go up if such units are forced to close in my constituency. The pupils are aware of these units: that young man called it the heart of his school. To take the heart out of that school would indeed be wrong.
There is another notable lack: the WASPI women. Women working in the caring professions who expected to be able to retire are carrying on beyond their expected retirement age rather than enjoying the happy and healthy retirement that they anticipated.
Good health involves more than just NHS services. Access to advice and information, the ability to live debt-free, support from schools for children who need it, and the possibility of timely and affordable retirement all reduce pressures on the health service, and on other services. I hope that the Government will take that into account when considering their legislative programme.
(10 years, 11 months ago)
Commons Chamber2. What assessment she has made of the effect on women of changes in the cost of living.
5. What assessment she has made of the effect on women of changes in the cost of living.
We recognise that these are tough times when both women and men need help with the cost of living. As last week’s autumn statement shows, the Government are providing that help—on income tax, fuel bills and council tax bills—to ensure that hard-working people can make ends meet. Critically, we are also taking the necessary steps to rebuild our economy following the financial crisis.
I absolutely accept that people up and down the country are facing significant challenges with the cost of living, which is why the Government are taking action to help them. While we are talking about accepting things, I think that the hon. Gentleman needs to start to accept that one reason why families up and down the country are facing such challenges is the financial mess that his party got our country into.
According to analysis from the House of Commons Library and the Institute for Fiscal Studies, the married couples tax break of less than £4 a week announced by the Chancellor in the autumn statement will be paid to men in five out of six cases. Does the Minister believe that is the best way to support women facing a cost of living crisis?
The hon. Lady and others will be well aware of the differences within the coalition over that policy, as set out in the coalition agreement in 2010. What the Government are doing that will help women hugely is cutting income tax bills for 25 million people—six out of 10 of whom will be women—up and down the country, putting £700 back in their pockets.
(14 years, 3 months ago)
Commons ChamberThe whole point of the structure that we are proposing is that, after May 2012, there will be directly elected police and crime commissioners who will set the budget and the strategic plan for the police, and ensure that the decisions being taken are in line with the interests of the people and with fighting crime.
Given the amount of sensitive information to which the elected commissioners will have access, will they undergo security clearance before standing for election? What would happen after the election if they were elected without the appropriate level of clearance?