08/02/2018 House of Commons


08/02/2018

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Minister about the matter with which

she has been extraordinarily closely

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involved in. Some latitude. I wish

to make a statement on the

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independent review of local

community health NHS Trust conducted

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for NHS and published today. What

happened to patients of Liverpool

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community is common before anything

else, a terrible personal tragedy

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for all of the families involved.

Report also makes clear the

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devastating impact on many of the

front line staff as well. On behalf

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of the government, I want to

apologise to them and I know the

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whole house would want to extend our

sympathies to everyone. I would like

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to pay tribute, as Mr Speaker has

correctly identified to the

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honourable member for West like. The

people of Merseyside know only too

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well the cost of attempting to

silence the victims and campaigners

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of those seeking justice. As this

report makes clear, their personal

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commitment to get to the truth on

behalf of the victims of the

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Liverpool community trust, her

personal courage and asking

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difficult questions of those in

senior positions in the NHS and the

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persistence and precision of her

search for accountability are all

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vindicated today. We in this house

and across the wider health and

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social care service for her debt of

gratitude. I would like to thank the

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doctor and his team for this

excellent report, as with as

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reported on NHS Foundation Trust, it

is clear, forensic and at times and

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devastating account of failures in

the care of Liverpool community

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trust by its management from its

board and its regulators. The report

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covers the period from the

transformation in November 2010 to

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December 2014 and it describes an

organisation that was, and I quote,

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dysfunctional from the outset was

that the consequences of this for

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patient care were in some cases are

following in the report details a

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number of incidents of patient harm,

including pressure sores, fractured

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hips and five never events. That was

in the dental service, and

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incredibly high number on one

organisation. The failures of the

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organisation were more starkly

apparent in the services provided

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that Liverpool prison. The trust

built to properly risk assessed

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patients for nutrition and hydration

and did not effectively manage

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patients at a high risk of suicide.

The review has in addition identify

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serious failures in medicine

management in Liverpool prison.

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There are many more examples of poor

care and its impact on patients and

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on staff in the report. What

compounds the shock and the lack --

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is the lack of insight displayed at

the time by the organisation into

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these failures. This was the very

opposite of a culture of learning,

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with incidents on or played down,

warning signals ignored and other

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priorities are allowed to take place

-- to take the place of patient

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safety and tear for the vulnerable.

We have seen this sort of moral

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drift before. Most obviously at mid

Staffordshire and Morecambe Bay. As

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with mid Staffordshire and the

management of Liverpool community

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that far too much emphasis on

achieving trust status, the review

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states and I quote, the trust

undertake an aggressive cost

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improvement plan. Targeting the £30

million reduction over five years.

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This represented a cut in resources

of approximately 22%. We were

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surprised that such an ambitious

financial reduction was not

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scrutinised more closely by both

commissioners and regulators. There

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is a direct line from the decisions

made by the trust in this reckless

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manner to the harm experienced by

patients. An early report by

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solicitors in March 2016 reported

that the interim Chief Executive,

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who took over from Burnley Castle,

found in her first week that there

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was an understanding by £3 million

on district nursing. These teams

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were devastated because there

weren't allowed to recruit, some of

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them down 50%. This is a nursing

service whether Doctor says patients

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were experiencing great large

pressure sores, grade three. This

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was accompanied by the hallmark of

an organisation that has lost sight

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of its purpose. As the doctor

states, and I quote, the evidence

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that we had and saw amply confirmed

the existence of a bullying culture

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within the trust. Focus almost

entirely on achieving foundation

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trust status. An adequate staffing

levels, your staff morale, and are

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HR practice went unheeded. This was

the end result of an inexperienced

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leadership that was not capable of

rising to the challenges presented

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by the trust. Following an

Staffordshire report, the doctor

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recognises that steps have been

taken to introduce independent Sunni

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led inspection by the sea QC. The

government has introduced special

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measures regime with an NHS

improvement. Alongside as we have

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put in place a number of measures to

create a wider culture of learning

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and improvement was that the

Secretary of State has offered a

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great deal of personal leadership in

helping to create this culture.

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Including the establishment of an

independent Chief inspector for

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hospitals. I met him yesterday and

spoke again with this morning. The

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recent introduction of measures to

support trusts to learn from deaths

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and improve patient safety. I'm sure

that I'm not alone in finding an

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astonishing that the doctor found

there was a small minority of

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individuals who refused to cooperate

with the review. I wholeheartedly

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agree with his view that it remains

the duty of all NHS staff to assist

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as fully as they are able, with

investigations and reviews that are

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directed towards improving future

services. Mr Speaker, all but one of

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the board of the Liverpool trust

shirked their legal and moral

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responsibility to be candid about

the organisation that the

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government. In large complex

organisations, responsibility and

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accountability are always

distributed to some degree. It is

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the case that the higher up in the

organisation someone is, the greater

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their degree of responsibility. In

this case, those individuals were

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Burnley Castle as Stevie -- Stephen

-- chief executive and France Malloy

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as chair. From reading the report,

the each must take a significant

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share of the responsibility of these

findings. Honourable members will,

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I'm sure, have noted the conclusions

to the clinical governance section

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of the report, which highlights the

responsibility of the former chief

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executive of the trust for the

system of clinical governance and

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its fairness. It would appear that

while the former chief executive is

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now able to see there were failures

in clinical governance, she does not

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have as strong sense of

responsibility as one might expect.

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She is no longer employed in the NHS

but continues to have a role working

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within the NHS in Wales. In response

to this report, the government

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intends to take a number of actions.

First, the government accepts the

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recommendations of the doctor in

school. Whilst this was a report

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commissioned by NHS improvement, I

will write to all the organisations

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named in the recommendations set out

in section six of the report, asking

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them to confirm what steps they will

take to implement the

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recommendations, or set that there

are reasons for not doing so. I will

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ensure copies of that response are

shared with the health Select

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Committee. One recommendation is

specifically for the Department of

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Health and social care, as set out

in paragraph 6.5 page 64. This

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relates to a review of sea QCs fit

and proper person test. Ryan ten to

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discuss the terms of the review with

the member for West Lancashire and

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will appoint somebody to undertake

the review within the coming days. I

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believe that review will need to

address the operation and purpose of

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the fit and proper test. Including

but not limited to when an

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individual moves from the NHS in

England to another part of the

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United Kingdom. Where they believe

that subsequently provide health

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care services to the NHS from

another health care role. Such as

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with a charity or a health care

company differing levels of

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professional regulation such as a

Chief Executive computer one who is

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a non-clinician. The failure to

cooperate with the review with this

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nature and what the consequences of

that should be. Indeed, to review

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the effectiveness of such

investigations themselves when they

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are conducted. I will be pleased to

hear the views of the Honourable

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member for West Lancashire and those

of the health Select Committee on

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these issues. Third, I've asked the

Department to review the

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effectiveness of sanctions were

records go missing in the trust. For

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her records appear to have been

destroyed. Force, I've asked the

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Department for advice on what

disciplinary action can be taken

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against individuals in relation to

the findings of this report.

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Clearly, due process needs to be

followed. It is important we address

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a revolving door culture that has

existed in parts of the NHS, where

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individuals move the other NHS

bodies often facilitated by those

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tasked with regulating them. I will

ask NHS improvement and NHS England

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to clarify the circumstances under

which rules were found facilitated

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for individuals identified in the

report as bearing some

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responsibility for the issues at the

trust. I have spoken with colleagues

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at the Ministry of Justice and

confirmed to the House that they

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intend to investigate the issues

arising from this report in respect

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of HMP Liverpool specifically and

the prisoner state more generally.

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All organisations and individuals

make mistakes. This is an

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opportunity to learn and improve, we

will do all we can to provide

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support. Where however there is any

kind of cover-up or a blinkered

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denial of what has happened, members

of this House and the victims of

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that wrongdoing have a right to

expect accountability. The Member

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for West Lancashire has done the NHS

a great service. I will place a copy

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of the Kirk at review in the House

of Commons library. The government

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is acting in for on the findings. --

enough all.

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Can I start by adding my

appreciation to the tenacity my

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honourable friend the Member for

West Lancashire has shown in

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pursuing this matter of a number of

years? She has led the way in

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tackling this injustice fearlessly

and relentlessly, in that respect

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she is an example to all members in

this place. I agree with the

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Minister that this report is a

vindication of her courage. Isn't it

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shameful this scandal only came to

light because a member of Parliament

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gave a voice to those who are afraid

to speak out. This report lays bare

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a catalogue of failure which caused

harm to patients across Merseyside

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between 2010-14. It is a grim

example of the regulated pressures

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on board management failures from

staff being repeated on and off huge

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concern is that some of these babies

came after the final publication of

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the Francis Report. -- some of these

failures. Patients having the wrong

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tooth fixed by dentists, patients on

care award suffering fools with

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broken bones or pressure ulcers. We

have to make sure the pain

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experienced by so many patients and

their families is properly detailed

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unrecognised. We must make sure the

NHS is able to learn from these

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events and that systems are put in

place to ensure they never happen

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again. Can I put on record our

thanks from the side of the House to

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Doctor Bill Kirk and the work his

team have done in carrying out this

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investigation and helping us to

understand what has gone wrong.

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Today's report says patients

suffered unnecessary harm because

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the senior leadership team was out

of its depth. Let's be clear what

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lies at the heart of this:

unrealistic cost-cutting without

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regards to the consequences which

leads to patients being harmed. The

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report exposes serious problems

around cost-cutting, in the case of

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the local community motivation was

the drive to receive status. The

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trust discipline and suspended staff

who blew the whistle about poor care

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and its controversial plans to save

bash staff in order to save money.

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-- to slash staff. What protections

have been put in place for staff who

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raise concerns about cost-cutting?

Today's report notes the irony of

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staff reductions being agreed at the

same board meeting that an earlier

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considered the invocations of the

Francis Report. This alone should

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have raised alarm bells about the

capacity of board members to

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challenge the trust. The NHS still

faces huge workforce shortages so

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what update can the Minister give us

on how the 10-year workforce

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strategy has been received? What

additional measures for the strategy

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include the guarantee safe levels of

staffing over the country, in

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community as well as acute services?

I'm pleased the Minister recognises

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concerns that managers responsible

can often go into leadership roles

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in other parts of the health service

or indeed Private providers to the

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NHS in another capacity. Can the

Minister advise how many people

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refuse to corporate with this

investigation who are still employed

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in some part of the NHS? Is there

anything in existing terms and

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conditions that can be used to

require cooperation in future? Is

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there any form of address in

existing policies and procedures

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that we can use against these

people? The report also said

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regulators were distracted by higher

profile services like acute care,

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the service general says today

oversight failures were partly

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indubitable to organisational

changes that were taking place

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during the D12 health and social

care act. What is the government

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going to do to ensure national

rarities are not allowed to

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interfere with local oversight? The

report raises serious concerns about

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the quality of health care in

prisons. HMP Liverpool has

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significant challenges and the new

provider of the health service at

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the prison has said it cannot

continue with the contract on the

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level of funding available. Our

Ministry of Justice will investigate

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these matters generally but can the

Minister assure us that prison

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health care is properly supported

and resource to Merseyside and

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elsewhere across the country? In

conclusion, paragraph one of the

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review findings sums up the

devastating impact of these multiple

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failings. It says, staff were

overstretched, demoralised and in

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some instances bullied. That

significant unnecessary harm

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occurred to patients. In the

unprecedented financial squeeze, the

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NHS currently faces, we need

assurances from the Minister that

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patients and staff will come before

finance and that is the last time

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today we hear such a damning message

about what is going on in our NHS.

I

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thank the Shadow Minister for those

questions and the manner in which

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you put them before the House. In

terms of the first key issue he

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raised, which is to what extent are

the measures in place now to address

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this sort of issue, should it arise,

post Francis review, a trust with

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high mortality rate, a new region

has been put in place in terms of

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the Tube expected of hospitals, Ted

Baker, and also the specific regime

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with NHS improvement. This is a

report that was commissioned by NHS

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improvement itself, has a new chair

in Dido Harding, a senior figure

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from the business community. That

regime has put in place 37 hospitals

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into special measures so far. The

methodology used to allow it

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regulators to areas of concern has

also been revised, so far more

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importance is now placed on staff

surveys and patient surveys. Though

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it does still remain to be explained

why a trust could pay as so many

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compromise agreements, could respond

to so many staff disciplinary

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issues, no doubt I recognise the

honourable gentleman will have many

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concerns from the trade unions

locally. In terms of some of the

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earlier reports, to what extent that

tingled concerns that should have

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been addressed. That's why I

signalled my desire in my reports to

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look at these issues and ensure

particularly round the fit and

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proper test we ensure that those

address, though he will be aware the

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fit and proper test only pertains to

board level appointments within the

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NHS as opposed to all roles, so we

must look at the scope,

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effectiveness of the investigation

and particularly as he recognised

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the revolving door element. In terms

of other issues we raised, I think

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we clearly need to ensure due

process is followed and I must

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remind the House of the difficulties

around any enforcement with Goodwin,

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if you look at Sharon Smith, and

child services, and people quite

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rightly deserve to be able to expect

due process and all members of the

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House would ask that. The victims

will rightly ask, how can the chief

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executive with this catalogue of

issues then move within the NHS

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rather than be fired? That is the

sort of question I know the Member

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for West Lancashire has concerns

around an I'm sure many members of

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the House likewise the House

committee. I look forward to working

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with him in the spirit in which he

has raised these issues, I know they

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are issues we share and issues the

House as a whole wants us to get a

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hold of.

Could I start by paying

tribute to my colleague on the

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health Select Committee, the Member

for West Lancashire? She is a

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remarkable parliamentarian and

advocate the patient safety. We all

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on the House Select Committee look

forward to working alongside her to

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examine in full the recommendations

from the report. I welcome the

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Minister 's commitment to taking

forward a review of the fit and

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proper person test. On the wider

issues raised by this report,

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clearly where you continue to cut

staff and funding from community

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services that are terrible

consequences for patient care. Will

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the Minister assure the House that

he will rework and closely alongside

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the Care Quality Commission to

identify other trusts in which these

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kinds of issues are likely to arise?

Because of the workforce and funding

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pressures that are now being faced.

Happy to work with my honourable

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friend with this, she will be aware

from reading the reports that what

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drove this, to be explicit in making

clear the finances were there for

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the existing service, that set out

at the outset of the report what

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drove this was a wholly unrealistic

attempt to seek financial trust

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status with a cost improvement plan

that was simply undeliverable. A

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massive reduction without any

attempt to reconcile that with the

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service levels of staffing

vacancies. When staff raise those

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concerns, they were bullied and

harassed, on occasions was suspended

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without due cause. The culture has

significantly changed and measures

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have been put in place as to how NHS

improvement will address those

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issues. In terms of seeing to what

extent the culture was driving this

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issue, I refer back to the remarks I

made my speech where the new chief

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executive went in and found a

significant underspend of £3 million

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in the district nursing budget.

According to the report. At the same

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time, that had significant vacancies

and patient harm. It was that

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culture that was driving the issue

and is that culture we need to put

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an end to.

I'd like to thank the

Minister for their statement on echo

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his comments now, for the families

and staff involved in this over the

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years. I also paid to be to the

honourable member for West

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Lancashire, her tenacity sums up

what is wrong with the system at

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present. In terms of observations

and recommendations, the Minister

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has acknowledged some individuals

did not cooperate with the

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investigation. Is there a case for

law changed to prevent this in the

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future, or at very least employment

sanctions to apply to such

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personnel? In terms of the fit and

proper person test the government

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has put in place, any new standards

agreed high retrospectively to board

0:23:150:23:21

members currently in place? They

have acknowledge the revolving door

0:23:210:23:25

culture, it's important the fit and

proper test is done properly, and

0:23:250:23:30

will be review executive pay for

chief executives and senior staff.

0:23:300:23:36

What is going to be done to properly

protect whistle-blowers in future to

0:23:360:23:41

allow them to come forward? Clearly

funding and resources are really

0:23:410:23:48

important, and this report lays bare

the objectives of foundation status

0:23:480:23:55

and £30 million saving by 22%

reduction and resources, rather than

0:23:550:24:00

the true goal of clinical quality.

What is going to be done to ensure

0:24:000:24:04

that regulators pick up the search

contrasts in future, and what

0:24:040:24:09

responsibility does the government

take in terms of funding and that

0:24:090:24:13

drive for efficiency savings.

Lastly, does the Minister agree that

0:24:130:24:17

this confirms the failings of the

trust system and that going forward,

0:24:170:24:21

in the privatisation of the NHS,

with profit before care, that cannot

0:24:210:24:25

be allowed by the end of future

free-trade deals?

The honourable

0:24:250:24:33

gentleman raises an important point,

a number of important points, but

0:24:330:24:36

particularly around whistle-blowers

which is one of the warning signals

0:24:360:24:39

that clearly failed here.

Regulations have been changed as he

0:24:390:24:43

will be aware in the past, there was

a culture in which compromise

0:24:430:24:48

agreements were plied with gagging

clauses attached, which prevented

0:24:480:24:53

visibility of those comprise

agreements and that's why one of the

0:24:530:24:55

questions I have asked on receipt of

this report is widely compromise

0:24:550:24:59

agreements that were being paid were

not being escalated to the board and

0:24:590:25:03

indeed what site if any did

regulators have of those compromise

0:25:030:25:09

agreements. Clearly financial

payments will have been made and

0:25:090:25:12

therefore there should be an audit

trail around those payments. He also

0:25:120:25:16

raised the issue in terms of what

changes have been made, and another

0:25:160:25:21

area where my honourable friend the

Secretary of State has placed a huge

0:25:210:25:26

amount of importance given the

leadership is around patient safety

0:25:260:25:30

guardians and ensuring that within

trusts, there are people tasked

0:25:300:25:35

specifically with giving voice to

patients. My predecessor the Member

0:25:350:25:39

for Lindner in one of his many very

sensible areas of advice to me was

0:25:390:25:46

that wherever I go and visit a

trust, to have a one-on-one meeting

0:25:460:25:51

with that individual, in terms of

the status of that individual within

0:25:510:25:54

a trust and also in order to gather

information from them. That's

0:25:540:25:58

something I know he assiduously dead

on all his visits.

0:25:580:26:19

is is this is a report that was back

that goes back to 2010 in terms of

0:26:190:26:24

its timescale but it's important the

NHS learned from the issues that

0:26:240:26:29

were set out. Can I add my tribute

to the member for West Lancashire,

0:26:290:26:35

she is a formidable parliamentarian

and has done very good work on this.

0:26:350:26:40

This report is shocking.

Back in

March 2015 following another

0:26:400:26:46

incident, the public administration

Select Committee produced a report

0:26:460:26:51

investigating clinical incidents in

the NHS.

0:26:510:26:54

It recommended the setting up of the

health services safety investigation

0:26:550:26:59

Branch. The government has published

that draft bill. Could the minister

0:26:590:27:05

said when that bill will go into

pre-legislative scrutiny so we can

0:27:050:27:08

change this culture and have an open

and learning culture that we should

0:27:080:27:13

have in our NHS, very much as we see

in the airline industry.

My right

0:27:130:27:21

honourable friend raises a very

important point in terms of the

0:27:210:27:24

draft bill and consultation and I am

not in position to announce a date

0:27:240:27:28

for that, that will be announced by

Burgess -- business managers in the

0:27:280:27:32

usual way and we have to recognise

the importance of the series of

0:27:320:27:35

measures and she is quite right to

allude to that as one of the

0:27:350:27:41

measures in the review and the

France's report which is all part of

0:27:410:27:44

changing the culture, one I very

much want to signal to the House

0:27:440:27:48

today. The report identifies where

there are clearly remaining issues

0:27:480:27:54

that need to be tackled. That is the

service he has given to us through

0:27:540:27:59

this report we have to focus on

others government.

Thank you Mr

0:27:590:28:09

Speaker. Thank you for your

indulgence, I don't intend to test

0:28:090:28:14

your patience today by dealing with

the detail of these matters. I will

0:28:140:28:19

do that through the Select Committee

and other mechanisms available to

0:28:190:28:25

me. Thank you Mr Speaker. I will

thank the Minister for his kind

0:28:250:28:30

words and his comprehensive

statement in response to the

0:28:300:28:34

excellent work of Dr Kirkup and his

team. I would like to thank Dr

0:28:340:28:42

Kirkup and paid tribute to his

thoroughness and independence and

0:28:420:28:45

thank him most sincerely on behalf

of the staff and the patients in

0:28:450:28:50

Liverpool who suffered really badly

at the hands of this. I want to say

0:28:500:29:00

dictatorship, regime, whatever it

was but it was done in our name,

0:29:000:29:03

done in the name of the NHS and they

deserve justice. After the review,

0:29:030:29:10

the report and now this report, and

another report on the way and

0:29:100:29:18

hearing is due soon, it really is

important that the NHS ensures that

0:29:180:29:22

justice, not only is done, but this

seemed to be done. Governments of

0:29:220:29:26

all parties, the higher echelons of

the NHS have closed ranks to protect

0:29:260:29:35

themselves and this has got to stop.

The senior people were able to

0:29:350:29:41

inflict such harm on staff and

patients and just what into other

0:29:410:29:45

senior NHS jobs with 6-figure

salaries and in this case it be

0:29:450:29:51

arranged by the Northwest regional

of NHS, Lynn Simpson, it is simply

0:29:510:29:59

staggering. I still can't answer the

question as the Minister himself

0:29:590:30:04

posed, why wasn't the Chief

Executive and this board fired? Why

0:30:040:30:08

weren't they sacked? It's

incomprehensible. Nothing has been

0:30:080:30:13

learned over these last four years,

as only a few weeks ago, the NHS are

0:30:130:30:18

presiding over another LCA in the

Wirral Hospital trust. I will

0:30:180:30:24

continue to pursue these matters

with vigour on behalf of the staff

0:30:240:30:28

and patients. I would like to place

on record that I don't see, for

0:30:280:30:35

everybody who is affected, I don't

see this report is the end, far from

0:30:350:30:39

it. I know the Minister has a legal

and forensic background and I would

0:30:390:30:45

ask him, how will he assure this has

that these matters will be dealt

0:30:450:30:50

with properly by the executive and

there will be no more cover-ups.

0:30:500:30:55

Cover-ups and back door deals have

ended once and for all. I know the

0:30:550:30:59

Secretary of State has said on so

many occasions, this will stop and

0:30:590:31:03

we will not keep moving field

executives round and yet it

0:31:030:31:07

continues to happen and I will say,

quite honestly, that I asked the

0:31:070:31:14

question of a minister last year and

he answered me in good faith. He

0:31:140:31:20

said, the NHS I don't participate in

moving staff around, not only remain

0:31:200:31:26

unproven and nearly happened in the

Wirral a few weeks ago, the message

0:31:260:31:30

has got to go out that you do this

kind of stuff, we will make sure you

0:31:300:31:34

don't escape. The NHS has to be

accountable and those in

0:31:340:31:38

responsible.

I think the Honourable

lady for those comments and in reply

0:31:380:31:46

to her questions, as I set out in my

opening remarks, I have asked NHS

0:31:460:31:55

improvement and NHS clarify the

circumstances under which those

0:31:550:31:58

rules were bound and facilitated as

found in the sport for bearing

0:31:580:32:03

responsibilities with the issues

with the trust and that was a

0:32:030:32:06

central question that she pulls on

one in which I await the answer. In

0:32:060:32:14

terms of the sense of cover-up and

things Janey, I would point out that

0:32:140:32:18

the Secretary of State has provided

leadership in terms of the culture

0:32:180:32:22

change around patient safety and the

recognition is across the House

0:32:220:32:27

following the full situation in mid

Staffordshire that changes need to

0:32:270:32:31

be made on patient safety and the

NHS itself as recognise that. NHS

0:32:310:32:38

improvement also has new leadership

and the this report themselves. In

0:32:380:32:43

terms of the changes that have been

in place, I look to the sea QC

0:32:430:32:49

regime and the Chief Inspector and

methodology and speaking to him

0:32:490:32:53

yesterday, every hospital has now

been visited with that new

0:32:530:32:58

methodology and that programme will

now start to accelerate and target

0:32:580:33:05

as following visits have done. The

methodology used for that has

0:33:050:33:08

evolved in terms of the importance

in areas such as staff service.

0:33:080:33:12

There are a number of measures that

have been made and special measures

0:33:120:33:17

regime is also very much at the

heart of that, so a number of steps

0:33:170:33:22

which are taken. Is underpinned by

the fact we need a balance between

0:33:220:33:29

the duty of candour, the ability for

people to learn from mistakes, which

0:33:290:33:33

will happen in an organisation, an

appointment with 5 million people.

0:33:330:33:39

The sense that people are able to

escape responsibility by moving

0:33:390:33:43

within the system. From my

discussions with people within the

0:33:430:33:49

NHS, there is very much a

recognition of that, a recognition

0:33:490:33:53

that has changed significantly but

clearly in the issues that come from

0:33:530:33:57

this report today, the House will

have to see further reassurance. As

0:33:570:34:01

for her question as to how I will

insure and the government will

0:34:010:34:06

ensure that these issues are

implemented and not covered up, I

0:34:060:34:12

don't think anyone doubts the

honourable lady will be using all

0:34:120:34:17

the Parliamentary tools to proceed

with this matter, including as a

0:34:170:34:22

senior Member of the House Select

Committee, I'm aware that other

0:34:220:34:25

Members of the House Select

Committee on Liverpool waiver tree,

0:34:250:34:30

it is a former shadow health

minister, will take a significant

0:34:300:34:34

interest in this issue and I know

the cheer of the House Select

0:34:340:34:37

Committee will do so and I have had

regular discussions and look forward

0:34:370:34:42

and intense and the fit and proper

test and the issues we take forward

0:34:420:34:46

as to how we benefit from the

expertise from her celebrity, it is

0:34:460:34:49

clear there have measures and it is

right that we recognise that much

0:34:490:34:53

work has been done in the NHS to

change this culture to ensure the

0:34:530:34:58

warning signs are there and insurers

and this never happens again. It's

0:34:580:35:04

clear that there are specific issues

in the report that need to be

0:35:040:35:09

answered and I share very much her

desire that is needed.

There is

0:35:090:35:14

another ministerial statement to

follow and that although the debate

0:35:140:35:18

on matters to be raised before the

forthcoming settlement is not now

0:35:180:35:23

going to take place, no fewer than

19 honourable members wish to take

0:35:230:35:28

part in the debate on community

banking. There is a premium upon

0:35:280:35:35

brevity and having had these

important matters call aired,

0:35:350:35:39

affected no appeal to colleagues to

ask single sentence essay questions

0:35:390:35:46

without a great preamble for then we

will progress towards other matters.

0:35:460:35:56

My honourable friend will be aware

that he said that the situation was

0:35:560:35:58

at Liverpool prison with the trust

having no understanding of its

0:35:580:36:03

requirements and the role as health

provider, health care staff and a

0:36:030:36:07

very difficult situation. Does he

feel there is a need for better

0:36:070:36:12

liaison between health and justice?

Over these sorts of facilities in

0:36:120:36:18

prison? Is the CQC in a position to

carry out inspections or do they

0:36:180:36:31

need help? On the first point I

spoke with colleagues in the

0:36:310:36:34

Ministry of Justice yesterday on the

specific issue, I very much agree

0:36:340:36:38

with his position that standards of

care for those in prison should be

0:36:380:36:43

the same as those within the NHS

more widely, he will be aware that

0:36:430:36:48

NHS England have taken over

commissioning for health care

0:36:480:36:52

services 2013. Part of the changes

that have been made but they will

0:36:520:36:57

know that in the report there were

local factors like

0:36:570:37:03

conflict-of-interest referenced by

Dr Kirkup that goes to the heart of

0:37:030:37:09

the service in the local community

trust and in prisons. There were

0:37:090:37:12

local factors but he is right with

the wider issues that we need to

0:37:120:37:15

learn from.

How many members of the

board failed to co-operate with this

0:37:150:37:21

scathing review and can you name

them what might only one member of

0:37:210:37:28

the board cooperated with the review

from which one can the juice that

0:37:280:37:36

the rest did not.

Given I am

relatively new to this department,

0:37:360:37:43

it would be wise as a minister to

clarify to what extent individuals

0:37:430:37:46

should be named but I'm happy to

confirm that the chair of the board

0:37:460:37:51

did not cooperate.

0:37:510:37:57

Will the Minister agree with me that

this report shows that leadership

0:37:590:38:04

really matters in our local NHS and

what further steps can he take to

0:38:040:38:09

ensure that transparency, which is

so important to clinical quality and

0:38:090:38:14

patient safety can really be

understood as important for hospital

0:38:140:38:20

trusts.

The on already is absolutely

correct and that is why we are

0:38:200:38:24

increasing the numbers of doctors by

25% and looking at how we increased

0:38:240:38:29

the number of clinicians in

leadership positions within trusts

0:38:290:38:32

and how we actually insure that

variants within leadership, which is

0:38:320:38:38

one of the key issues, NHS has

billions needed by the variance

0:38:380:38:42

between trusts is far too wide and

those are the issues I'm looking at.

0:38:420:38:47

Given that health is devolved to the

Scottish Government you might wonder

0:38:470:38:52

why I asked what I ask but will the

Minister of State reassure me that

0:38:520:38:57

the report will be shared with the

Scottish NHS and Scottish Government

0:38:570:39:01

and can he reassure me that as and

when senior appointments are made,

0:39:010:39:05

there will be an ongoing

constructive and informed dialogue

0:39:050:39:07

across the border and you will see

why I ask that question.

0:39:070:39:12

Very happy to give him that the

issuance and he raises a very

0:39:120:39:16

important point because it's not

just those moving within the United

0:39:160:39:20

Kingdom that is an issue, its

potential was moving to a charity

0:39:200:39:25

that is providing services to the

NHS, it might be to a private

0:39:250:39:27

company providing health care or

other roles in the health care

0:39:270:39:31

landscape.

Did I press the minister

a little further on his reference to

0:39:310:39:39

work revolving doors and the

worrying statement that this is

0:39:390:39:43

facilitated by those who are tasked

with regulating it. Could I suggest

0:39:430:39:47

that the Minister also looks at

democratic accountability not just

0:39:470:39:52

within the appointments with

officials but also more widely in

0:39:520:39:57

the NHS.

And very happy to look at

the suggestions. He's a member of

0:39:570:40:04

house Select Committee and I alluded

in my remarks, my desire to work

0:40:040:40:09

with members of the committee on

these issues. Mr Speaker, if you

0:40:090:40:11

look at the previous debate we had,

the statement was about culture in

0:40:110:40:15

this house and what was heart of

both my honourable friend's question

0:40:150:40:20

and the issues seen here, is the

issue of culture and the need for

0:40:200:40:26

that culture to change and the

Secretary of State has done a great

0:40:260:40:29

deal on patient safety to do that

and I'm happy to work with the

0:40:290:40:35

honourable member to take that

further.

What lessons can be learned

0:40:350:40:41

by Liverpool community trust and

other underperforming trusts from

0:40:410:40:46

the successful turnaround of some 20

trusts under the government new

0:40:460:40:49

special measures scheme?

0:40:490:40:54

The honourable lady is quite right,

there are 37 trusts that have gone

0:40:540:40:58

into special motions but a number

have moved out not just of special

0:40:580:41:03

measures but from improvement into

good as well. That goes to a much

0:41:030:41:07

wider challenge within the NHS,

whether its procurement or workforce

0:41:070:41:12

planning, whether it's mentoring for

junior doctors. I met with the

0:41:120:41:16

family of a junior doctor last week,

regarding the issues around men

0:41:160:41:21

touring and support particularly in

the first year out of medical

0:41:210:41:24

College. There's a number of issues

which trusts have shown leadership

0:41:240:41:27

on and I think the key issue which

the special measures regime has

0:41:270:41:32

shown is the scope to use that best

practice much more widely across the

0:41:320:41:34

sixth. -- across the system.

I agree

it vital we expose and tackle

0:41:340:41:43

failings in the NHS especially when

they put people at harm. Does the

0:41:430:41:46

Minister agree that this case

highlights that money is not always

0:41:460:41:53

the only answer, also effective and

responsible leadership and

0:41:530:41:56

management.

At the heart of these

findings were what drove the issue

0:41:560:42:00

here is not money, he specifically

set that out in terms of the finance

0:42:000:42:10

services, the desire to seek

foundation trust status that led to

0:42:100:42:14

a wholly unrealistic cost

improvement plan, and link to that

0:42:140:42:17

it was the unwillingness to actually

address where issues arose as a

0:42:170:42:22

consequence of that.

I would like to

thank my constituency neighbour the

0:42:220:42:31

Member for West language for all the

work she has done on this issue. To

0:42:310:42:35

reiterate the point is that have

been made, it's important we have

0:42:350:42:38

the right culture in our NHS but

also that those who compromise

0:42:380:42:43

patient safety should be brought to

task and be punished. And that we

0:42:430:42:46

should know about this on the action

that is taken to them. It will just

0:42:460:42:51

keep happening if not.

My honourable

friend is absolutely right. If I

0:42:510:42:58

draw his attention to the statement

Ted Baker, the chief inspector of

0:42:580:43:01

hospitals has made, where he points

out one of the review findings which

0:43:010:43:06

is that the CTC are now in a better

position to find the challenge an

0:43:060:43:13

unsafe care and poor standards. That

is a finding from the doctor but it

0:43:130:43:17

also reflects the excellent work he

and his doctor had been doing to

0:43:170:43:21

ensure inspections are moving

forward and are much more rigorous.

0:43:210:43:24

In picking up the issues we have

today.

As a member of the Justice

0:43:240:43:31

Select Committee we have taken a

particular interest in Liverpool

0:43:310:43:34

prison. Will he assure me this

review will look at the suicide

0:43:340:43:38

potential business to the system is

right?

My honourable friend is right

0:43:380:43:47

to allude to learning those lessons,

particularly in the case of

0:43:470:43:51

vulnerable people in prison and the

risk accrued as a result. I spoke

0:43:510:43:55

with the Minister for offender

management yesterday, he was

0:43:550:44:00

actually at HMP Liverpool last week.

I know they have taken a great

0:44:000:44:05

interest in this report and I'm sure

will bring forward any further

0:44:050:44:08

actions in the usual way.

Thank you

Mr Speaker. Does my honourable

0:44:080:44:14

friend the -- see an ongoing role

for the doctor in order to keep

0:44:140:44:21

putting things right?

I am happy to

discuss the doctor Kirk moving

0:44:210:44:27

forward any future opportunities

like that. What is clear is this is

0:44:270:44:32

an excellent report and very much

builds on the work that he at

0:44:320:44:36

Morecambe. There is a huge amount

forced to take forward from the

0:44:360:44:41

findings in this report.

Statement,

the Parliamentary Secretary for

0:44:410:44:49

pensions and financial inclusion.

Thank you. With permission, I will

0:44:490:44:57

make a statement following the

Opposition Day debate on state

0:44:570:45:01

pension age, the decision to

equalise the state pension age for

0:45:010:45:05

men and women dates back to 1995 and

addresses a long-standing inequality

0:45:050:45:09

between men and women's state

pension age. This change is part of

0:45:090:45:14

a wider social trend towards gender

equality but was also a decision

0:45:140:45:17

partly as a result of legal cases

relating to pension provisions. In

0:45:170:45:28

the Brown years, a state pension

fixed at 65 was deemed no longer

0:45:280:45:32

affordable sustainable. The pensions

act of 2007 deemed an increased to

0:45:320:45:38

age 60 six, six to seven and 68. The

Coalition government wanted further

0:45:380:45:43

changes under the 2011 pensions act

which accelerated equalisation of

0:45:430:45:47

women's state pension age and

brought forward increase in men and

0:45:470:45:50

women's state pension age to 66 by

20 20. Parliament considered a range

0:45:500:45:59

of alternative options resulting in

a 1.1 billion concession that capped

0:45:590:46:02

the maximum increase any woman would

see in her state pension age at 18

0:46:020:46:07

months, relative to the 1995

timetable. Many members raise the

0:46:070:46:12

issue of communications in the

November debate. Since 1995, the

0:46:120:46:19

government has gone to significant

lengths to communicate these

0:46:190:46:21

changes. He were noted privately but

and an advertising campaign was

0:46:210:46:25

carried out. Individual letters were

posted out. Those affected by the

0:46:250:46:30

1995 act changes were sent letters

informing them of the changes with

0:46:300:46:38

the state pension age, with letters

sent to 1.2 million women. Those

0:46:380:46:43

affected by the 2011 act changes

were sent letters between January

0:46:430:46:47

2012 on November 2013 which involves

sending over 5 million letters on a

0:46:470:46:53

company leaflet. Life expectancy and

state spending what has driven these

0:46:530:46:56

changes. Society has changed in

countless ways since the 1950s and

0:46:560:47:02

life expectancy is no exception. A

girl born in 1951 was expected to

0:47:020:47:06

live to 81. A boy to 77. By 2018,

the latest ONS Coldwater begins show

0:47:060:47:13

an increase by over ten years for

nearly one girls and over 12 years

0:47:130:47:17

for boys. 292 and 89 respectively.

Life expectancy of old ages has also

0:47:170:47:24

gone up during this period and is

projected to continue to increase in

0:47:240:47:27

future years. These welcome

increases in life expectancy of

0:47:270:47:33

course have implications for the

state pension. As people live

0:47:330:47:36

longer, they invariably also spend

longer in retirement. Had we not

0:47:360:47:40

equalise the state pension, women

would be expected to stand over 40%

0:47:400:47:44

of their adult lives in retirement,

a proportion which would only

0:47:440:47:48

continue to increase. The situation

is not sustainable for any

0:47:480:47:52

government and means increasing

taxes for the working population.

0:47:520:47:55

Going as far as some campaigners

have urged and revoking the 1995

0:47:550:47:59

pensions act would represent a loss

of over £70 billion to the public

0:47:590:48:02

purse. The state pension must be

maintained an unaffordable bidding

0:48:020:48:07

for future generations of pensioners

and taxpayers, this necessitated the

0:48:070:48:11

government 's actions to equalise

and then increase the state pension

0:48:110:48:15

age to the pensions act of 1995,

2007, 2011 and 20 14. Any further

0:48:150:48:23

transitional arrangement would, at

great cost, the government has

0:48:230:48:28

considered many options and all of

the proposals will be wrought with

0:48:280:48:30

substantial legal problems as well

as financial ones. Any amendment to

0:48:300:48:35

current legislation which creates a

new inequality between men and women

0:48:350:48:39

would unquestionably be highly

dubious as a matter of law. Causing

0:48:390:48:42

younger people to bear a greater

share of the cost of the pension

0:48:420:48:45

system in this way would be unfair

and undermine the principle of

0:48:450:48:50

intergenerational fairness that is

integral to our state pension

0:48:500:48:52

reforms. Let me turn to some of the

proposals from the debate. In

0:48:520:48:56

relation to the SNP, they seek a

full compensation package of at very

0:48:560:49:02

least the reverse of the 2011 act,

the SNP cost of this at £8 million

0:49:020:49:08

but we suggest this is a vast

underestimate. This will actually

0:49:080:49:12

cost the taxpayer over £30 billion

and potentially more. There is no

0:49:120:49:16

doubt the Scotland Act gives the

Scottish Government the power as it

0:49:160:49:19

needs to address this issue. The

party opposite have made multiple

0:49:190:49:24

suggestions with many seeking the

full compensation packages of 70

0:49:240:49:29

billion, in addition they have

proposed in their manifesto keeping

0:49:290:49:31

the state pension age at 66. This

would cost over 250 billion more

0:49:310:49:37

than the government's preferred

timetable by 2045, 40 six. Payments

0:49:370:49:41

on this scale are an affordable and

cannot be justified. The key choice

0:49:410:49:45

the government faces is to increase

state pension age or pay lower

0:49:450:49:52

pensions, with an inevitable impact

on pensioner poverty. The only

0:49:520:49:55

alternative is to ask the working

generation to pay an even larger

0:49:550:49:59

share of their income to support

pensioners. I believe successive

0:49:590:50:04

governments have made appropriate

the difficult decisions to equalise

0:50:040:50:08

and increase the state pension age.

A significant concession was made in

0:50:080:50:13

the 2011 so no woman would see an

increase to her state pension age of

0:50:130:50:16

more than 18 months relative to the

1995 timetable. To renege on

0:50:160:50:21

decisions and further increase costs

to the public, especially the

0:50:210:50:27

working population, would be unfair

and unaffordable.

I thank the

0:50:270:50:34

Minister for his statement and for

arranging to let me have sight of it

0:50:340:50:38

early this morning. The state

pension for women born in the 1950s

0:50:380:50:42

should be set in the wider context

of the government's I have to say

0:50:420:50:48

uninspiring track record on

pensions. Last July the government

0:50:480:50:50

announced it would be bringing

forward the increase in the state

0:50:500:50:53

pension age to 68 in 2037,

justifying this on the increase in

0:50:530:51:00

the life expectancy, however in the

same week the renowned expert on

0:51:000:51:04

life expectancy, Professor Michael

marmot described how a century long

0:51:040:51:11

rise in life expectancy was in his

words pretty close to having ground

0:51:110:51:15

to a halt. And had, in his words,

outlined since 2010. In part, I have

0:51:150:51:22

to say the consequence of government

policy on posterity. Since then,

0:51:220:51:27

statisticians from the official

office of statistics revealed by

0:51:270:51:34

2041, the life expectancy for men

and women would be a year less than

0:51:340:51:39

had been projected just two years

previously. In addition, the ONS has

0:51:390:51:44

revealed that though women continue

to live longer in good health than

0:51:440:51:48

men, their healthy life expectancy

has decreased since 2009. Yet more

0:51:480:51:54

evidence from Public Health England

shows how deep inequalities in a

0:51:540:51:59

healthy life expectancy remain. On

average, people in the UK are now

0:51:590:52:06

projected to live shorter lives than

previously estimated. Does the

0:52:060:52:09

Minister agree? Yet it is in this

context that the government is

0:52:090:52:17

failing women born in the 1950s.

This statement does nothing to

0:52:170:52:22

address the pensions injustice these

women face. The government has had

0:52:220:52:28

multiple opportunities to act, so

why is the Minister again refusing

0:52:280:52:31

to use the opportunity of a motion

passed by this House to do so to

0:52:310:52:35

take further steps. It is

unacceptable that we are having to

0:52:350:52:41

make the same argument and raise the

same points again, because this

0:52:410:52:45

government continues to refuse to

help these women who are suffering

0:52:450:52:48

and losing out due to the

acceleration of the state pension

0:52:480:52:52

age and lack of proper notice. This

issue is not going to go away. Why

0:52:520:52:59

does the government continued to act

as though it will? This statement is

0:52:590:53:05

sadly but not unsurprisingly yet

another example of the government's

0:53:050:53:10

failure to give women born in the

1950s the dignity and respect they

0:53:100:53:14

deserve. It is a missed opportunity

to take real action. We have all

0:53:140:53:23

heard stories, often heartbreaking,

from many thousands of women

0:53:230:53:27

affected by the changes of how the

situation they face is one of

0:53:270:53:32

desperation and fear of poverty.

Like Christine in my own

0:53:320:53:37

constituency, 62, now having to wait

till 66 to retire, husband had just

0:53:370:53:41

died, father had just died, and in

her words, not the cleaning jobs are

0:53:410:53:46

bad thing but I've never done a

cleaning job in my life, I'm now

0:53:460:53:49

having to do three to make ends meet

until such time until I can retire.

0:53:490:53:56

It is wrong. It is to the government

's shame that it refuses to

0:53:560:53:59

recognise the very real basis for

the fears of women like Christie.

0:53:590:54:04

What immediate measures for the

government take to adjust this

0:54:040:54:08

appalling situation. Does the

Minister understand how difficult it

0:54:080:54:13

is for many women in their 60s to

retrain and access decent work? What

0:54:130:54:18

support will his government offer

these women or will he repeat the

0:54:180:54:22

bizarre proposal made on the other

side of the House that they might

0:54:220:54:27

take up apprenticeships. As we have

repeatedly set out, there are

0:54:270:54:34

several immediate actions that the

government could and should take but

0:54:340:54:38

time and again they have refused.

Can the Minister explain why he

0:54:380:54:42

refuses to offer women a affected by

government changes to the state

0:54:420:54:49

pension age is a cost neutral option

to draw their state pension at age

0:54:490:54:55

64 as we have proposed. This would

allow women who choose it to retire

0:54:550:55:00

up to two years earlier. The pension

age is due to rise due to 66 by the

0:55:000:55:05

end of 2020, we reject the proposal

from the government to increase the

0:55:050:55:12

state pension age even further. We

believe and will act to put in place

0:55:120:55:16

a new review of the pension age

specifically tasked with developing

0:55:160:55:21

a flexible retirement policy to

reflect both the contributions made

0:55:210:55:26

by people, the wide variations in

life expectancy, and the arduous

0:55:260:55:30

conditions of some work. It is also

right to extend pension credit to

0:55:300:55:36

those who were due to retire before

the increase in the pension age.

0:55:360:55:40

Hundreds of thousands of women would

benefit from this offer. Will the

0:55:400:55:45

Minister look again at this

proposal? Can I say in conclusion,

0:55:450:55:50

this statement sadly it does nothing

to help 1950s born women. Action not

0:55:500:55:57

words are needed if the government

is to restore some of the faith and

0:55:570:56:01

dignity that many people feel they

have lost as a result of the

0:56:010:56:04

government 's refusal to act and to

introduce proper transitional

0:56:040:56:08

procedures. These are women, the

women of Britain, who built this

0:56:080:56:13

country. They deserve nothing less.

0:56:130:56:25

Make responses along the lines that

he seeks an independent review of

0:56:250:56:28

state pension age and the government

did that last year.

The review was

0:56:280:56:33

independent of government and major

conclusions exactly as set out in

0:56:330:56:37

the Labour Party manifesto that

review made support to the assertion

0:56:370:56:43

that the government put forward

full. The second issue is that the

0:56:430:56:46

Labour Party used to be credible on

matters of finance, sadly that has

0:56:460:56:50

long gone. The Labour Party under

the previous Prime Minister Tony

0:56:500:56:55

Blair and Gordon Brown as the 2007

act which raised the state pension

0:56:550:57:02

age, we now have the bizarre

situation that the Labour Party

0:57:020:57:05

manifesto says that state pension

age should not go beyond 66. They

0:57:050:57:10

are going back upon their own

decision in 2007. The credibility is

0:57:100:57:17

sadly lacking and further

complicated by the reliance upon the

0:57:170:57:25

Shadow Secretary of State and he

repeated it today. He makes it clear

0:57:250:57:30

and I quote from his report, the

improvement in life expectancy at

0:57:300:57:35

birth, which had been around in one

increase every five years for women

0:57:350:57:39

and every 3.5 for men had slowed

since 2010 to a one-year increase

0:57:390:57:46

every ten years for women and every

six years for men. The point being

0:57:460:57:49

Mr Speaker, the increase is still

going ahead. It may have slowed to a

0:57:490:57:54

degree but is still rising. Life

expectancy continues to rise. The

0:57:540:57:58

Labour Party in 2004 agreed that the

office for National statistics

0:57:580:58:03

figures should be the figures that

are accepted and were then followed

0:58:030:58:06

by the Labour Party thereafter. The

ONS did a report last year in

0:58:060:58:11

December on the life expectancy at

birth and in 50 years' time by 2060

0:58:110:58:17

seeks, I've expectancy is projected

to reach 98 years for females and 96

0:58:170:58:23

for males. Going forward in 2018, we

have women that life expectancy on

0:58:230:58:31

90 to one birth and 89 for men. I

can briefly touch upon in relation

0:58:310:58:37

to the full working life strategy,

something the Labour Party used to

0:58:370:58:41

support and I'm sad to say they

don't seem to support. 1.2 million

0:58:410:58:45

people in employment over the age of

65, something that should be

0:58:450:58:48

celebrated. It is entirely right

that retraining might not be

0:58:480:58:53

suitable for everyone but it's also

right that governments of every kind

0:58:530:58:57

should give opportunities to those

who wish to take those things up.

0:58:570:59:01

The number of apprenticeships starts

with 53,004 people between the ages

0:59:010:59:06

of 45 and 59 and over 60, 3400 and a

nine-month period. That is thousands

0:59:060:59:17

of people taking thousands of

opportunities for retraining and it

0:59:170:59:19

should be supported.

I remind the

House of the substantial business to

0:59:190:59:26

follow which is heavily subscribed,

so there is a premium upon brevity.

0:59:260:59:30

From both back and front benches

alike. Minimum preliminary, survey a

0:59:300:59:37

focus on the question to the

Minister.

I will come the truth,

0:59:370:59:42

what impact assessments have the

carried out to assess the impact on

0:59:420:59:47

women born in the 1950s as a result.

There were multiple impact

0:59:470:59:55

assessments carried out in 1995, in

2007 and 2011 and these matters were

0:59:551:00:03

debated at great length in both

houses of parliament on an ongoing

1:00:031:00:08

basis.

I thank the Minister for the

advance statement but it doesn't say

1:00:081:00:15

very much that's new. The government

seems unable to accept that

1:00:151:00:19

irrespective of their policy of

abstaining opposition days, there's

1:00:191:00:23

a clear majority in this house in

support of the 1950s women. Five

1:00:231:00:26

Conservative backbenchers, six

members voted for the SNP motion on

1:00:261:00:33

the 29th of November, that's the

second biggest rebellion in this

1:00:331:00:37

Parliament. Perhaps rather than just

more bluster and passing the buck,

1:00:371:00:40

the government should be looking at

bringing forward proposals to

1:00:401:00:42

address the motion. Improved

transitional arrangements for women

1:00:421:00:47

born after the 6th of April 1951

that have been affected by the

1:00:471:00:53

acceleration and increasing state

pension age. That is the will of has

1:00:531:00:57

expressed time and again and is not

good enough for the Minister to win

1:00:571:01:00

a red herring at the tender Scottish

parliament can resolve the

1:01:001:01:02

situation. The pension system and

the state pension age is reserved.

1:01:021:01:08

The Scotland Act is clear about

that, the Scottish Parliament cannot

1:01:081:01:12

make benefits by way of old-age.

It's not the job of the Scottish

1:01:121:01:16

Parliament to clean up the mess made

by this UK Government and is not the

1:01:161:01:20

job of the Scottish taxpayer to

effectively paid twice to mitigate

1:01:201:01:24

the impact of Tory cuts was the

government continues to ignore this

1:01:241:01:30

house and the voices of the 1950s

women, they should get ready for

1:01:301:01:33

further debate, questions, petitions

and amendments to legislation

1:01:331:01:36

because nobody is going away. This

week that had been celebrating the

1:01:361:01:40

suffrage campaign and its not by

coincidence that he was the women

1:01:401:01:43

have chosen their colours or their

campaign. That was

1:01:431:01:49

in the government must do them

justice and pay out.

The honourable

1:01:521:01:54

gentleman will know full well that

the Scotland Act gave a variety of

1:01:541:01:59

powers under sections 26, 28 and 24

and crucially it is the case that if

1:01:591:02:04

an individual is of working age then

they can be addressed with

1:02:041:02:11

assistance by the Scottish

Government, not my words, set out in

1:02:111:02:15

coastal clear detail on the 22nd of

June by Jean Freeman, my opposite

1:02:151:02:18

number in Scotland and I remind the

honourable gentleman on the Scottish

1:02:181:02:22

National Party manifesto which

included a commitment to assess the

1:02:221:02:26

impact of these changes and the

options open to the Scottish

1:02:261:02:29

Government to provide support to

these women. The support, I suggest

1:02:291:02:34

is there, I have written to both my

opposite number and the leader of

1:02:341:02:38

the West Minister SNP saying that

you can go ahead, the British

1:02:381:02:41

Government is not objected to it in

any way that he should get on with

1:02:411:02:45

it.

The Minister is aware of my

support for local women in Murray

1:02:451:02:52

and I supported the opposition on

the motion brought forward. Can I

1:02:521:02:57

ask you to update as for the women

looking at the legal challenge taken

1:02:571:03:05

forward by the women affected by

these changes.

The honourable

1:03:051:03:10

gentleman will be aware there is a

legal challenge which has been

1:03:101:03:13

brought forward. I can't comment on

the outcome of it, it will be

1:03:131:03:17

resisted by the government. We do

not believe it has merit but clearly

1:03:171:03:22

that is a matter for the women to

pursue if they want to do but it

1:03:221:03:28

will be definitely be resisted.

I'm

a fit the Minister missed the point,

1:03:281:03:36

never mind the anger of 1950s women.

Today my honourable friend for Stoke

1:03:361:03:42

Central, a citywide pensions road

show is happening. So many women

1:03:421:03:46

affected by this that demand has

outstripped supply and we cannot let

1:03:461:03:48

everybody in. When will these women

see answers and when will they have

1:03:481:03:53

transitional arrangements.

This

matter was debated at great length

1:03:531:04:01

in 1995, 2007 under the Labour

government and was a matter that if

1:04:011:04:04

the Labour government wished to

alter the decision they could have

1:04:041:04:07

done so. That particular stage, they

take the view that they were

1:04:071:04:12

fiscally sensible and in 2011 this

matter was debated by Parliament and

1:04:121:04:18

there was a concession of £1.1

billion after much consideration by

1:04:181:04:21

the size by way of concession.

I can

only assume that the minister really

1:04:211:04:31

doesn't get this. The consequences

and the strength of feeling, not

1:04:311:04:37

just amongst the 1950s women but

amongst colleagues is extremely

1:04:371:04:41

angry. I can offer some help, maybe,

if he was to meet with myself and

1:04:411:04:47

the honourable member for East

Worthing and Shoreham, we could

1:04:471:04:50

share with them the findings of

consultation we recently undertook

1:04:501:04:53

on behalf of the state pension

equality committee. Maybe then we

1:04:531:05:01

could talk him through the problem

and encourage him to do the right

1:05:011:05:04

thing. Acknowledge the problem and

come up with a respectful and serve.

1:05:041:05:11

With respect, this matter has been

debated since 1995, long before I

1:05:111:05:16

arrived in this house and before the

Honourable ready arrived in the size

1:05:161:05:21

and successive governments have

taken a similar view as to the

1:05:211:05:24

appropriateness of the action based

on affordability, work ability and

1:05:241:05:29

the quality of the legislation.

There is a shortage of time for any

1:05:291:05:37

business contacts. All the political

parties are involved in this, the

1:05:371:05:44

Conservative, Labour over 13 years

did little. None of us have a clean

1:05:441:05:49

hand. Secondly, I would urge the

Minister to address freedom possible

1:05:491:05:55

-- the possible options.

Labourers's

cost neutral option, giving some

1:05:551:06:00

indication of transition and would

be Minister accept, the

1:06:001:06:04

Parliamentary ombudsman took some

cases and concluded that

1:06:041:06:09

communication has been absolutely

shocking by all the political

1:06:091:06:12

governments. -- governance.

The

honourable gentleman walked through

1:06:121:06:18

the lobby with myself in 2011 to

pass the 2011 act when a Liberal

1:06:181:06:23

party was a party of financial

discipline. I believe that we took

1:06:231:06:31

the right decision at the particular

time for that the so-called cost

1:06:311:06:35

neutral option, I can sure the

honourable gentleman that it is

1:06:351:06:40

neither workable nor cost neutral

and certainly it is the case that on

1:06:401:06:46

an ongoing basis, the government is

sticking to the position it has put

1:06:461:06:49

forward since 1995, the Labour

government forward for 13 years and

1:06:491:06:52

the coalition government to give in

2011.

The Minister has made a sad

1:06:521:07:00

binary choice between paying a lower

pensions or increasing state pension

1:07:001:07:05

age but tensions within government

spending is only one aspect. This

1:07:051:07:11

government has introduced

Corporation tax which will cost the

1:07:111:07:16

taxpayer £50 billion by the year

2025 other tax cuts will cost £50

1:07:161:07:22

million, so my honourable friend for

Glasgow North, Parliamentary

1:07:221:07:26

arithmetic is in favour of changes.

Will he take control and actually

1:07:261:07:29

make some sensible choices? We will

massively disagree on economic

1:07:291:07:37

theory and taxation because we

believe it is right to cut taxes for

1:07:371:07:42

business because businesses are what

create the payments that pay for the

1:07:421:07:47

public sector that we also support.

The key choice, Mr Speaker, is

1:07:471:07:53

whether government is able to

increase state pension age or pay

1:07:531:07:56

lower pensions, that is about the

honourable gentleman seems unable to

1:07:561:08:00

accept but I do not agree with as

poster taxation. During the

1:08:001:08:07

Minister's rather disappointing and

predictable statement, he said again

1:08:071:08:12

as the Prime Minister has toonie and

an answer last year, that the women

1:08:121:08:17

will make more weight more than 18

months and it isn't true. Some women

1:08:171:08:22

awaiting six years seven months. Can

he explain in very simplistic terms

1:08:221:08:28

how it is these women are wrong and

the government are right because

1:08:281:08:31

these women are waiting and waiting

and they are not getting their

1:08:311:08:34

pensions.

I can refer him to the

point that I made in the speech by

1:08:341:08:40

way of opening on the statement

earlier. The simple point is that

1:08:401:08:44

the 1995 act brought forward state

pension age to 65. The Labour

1:08:441:08:50

government then increase that foot

of the coalition government then

1:08:501:08:53

increased and accelerated the

process early for that reason why it

1:08:531:08:56

is referred as an 18 month

acceleration in 2011 is because that

1:08:561:09:00

is relative to the 1995 act

timetable.

1:09:001:09:04

I recently attended the launch of

the WASPI Women in my constituency

1:09:071:09:11

and one issue that was raised was

the issue of the arbitrary deadline

1:09:111:09:16

of the 31st of March of this year

for those wishing to make a

1:09:161:09:20

complaint. The lack of notice they

received about these proposed

1:09:201:09:25

changes. Can the Minister confirm

that as a deadline on the 31st of

1:09:251:09:29

March and the reason for it?

I can

get a precise answer to that but I

1:09:291:09:36

will write to him on that specific

point but it is the case is the

1:09:361:09:39

maladministration claims being

brought whether it is to the

1:09:391:09:42

Independent Case Examiner or whether

it is through the ombudsman itself.

1:09:421:09:47

I will write to him with the

details.

We now come to the Select

1:09:471:09:52

Committee Statement. The honourable

lady, the member for Wakefield, the

1:09:521:09:57

chair of the environmental audit

committee will speak on the subject

1:09:571:10:03

for up to ten minutes, during which,

I remind the House, no interventions

1:10:031:10:08

will be taken. The conclusion of the

statement, I will call honourable

1:10:081:10:11

members to put questions on the

subject of the statement and call

1:10:111:10:14

the honourable member for Wakefield

to respond to these in turn. Members

1:10:141:10:18

can expect to be called only once.

Interventions should be questions

1:10:181:10:25

and should be brief. The front bench

may take part in questioning.

Thank

1:10:251:10:33

you very much Mr Speaker, I am

grateful to you and the Backbench

1:10:331:10:37

Business community for giving me the

opportunity make this statement on

1:10:371:10:40

behalf of the environmental audit

committee about oversight report of

1:10:401:10:44

this session. I'm delighted to share

with has a religious report. The

1:10:441:10:48

Ministry of Justice and

environmental sustainability, our

1:10:481:10:52

committee's remit includes carrying

and regular sustainability audits of

1:10:521:10:57

government departments and agencies.

1:10:571:11:04

And, working closely with the

National Audit Office, we look at

1:11:041:11:08

whether departments are doing enough

to meet their commitments. In the

1:11:081:11:14

last Parliament, we published

sustainability audit on the Treasury

1:11:141:11:17

and on the Department for Transport

for the stop --. This is... Why did

1:11:171:11:26

we choose the Minister of Justice?

The Government is the largest... The

1:11:261:11:35

Government should be leading from

the front on sustainability. It has

1:11:351:11:38

signed up to the UN's global goals,

and the green and Government

1:11:381:11:43

commitments, which can commit

departments to reduce their impact

1:11:431:11:47

on the environment, and it is

committed to Government buying

1:11:471:11:51

standards on procurement. These

three things, the global goals, the

1:11:511:11:55

commitments, and the buying

standards are all aimed at improving

1:11:551:12:00

sustainability. The Ministry of

Justice has the second-largest

1:12:001:12:04

estate in Government across 1600

sites. It accounts for 20%

1:12:041:12:07

Government's greenhouse gas, waste

and water emissions. It is the

1:12:071:12:14

second largest buyer of goods and

services in Government. It spent

1:12:141:12:18

£4.6 billion through external

suppliers in 2015-2016. The

1:12:181:12:29

committee recognises the financial

pressures that the courts and prison

1:12:291:12:33

services are under, but being green

brings franchise still -- financial

1:12:331:12:38

benefits. By improving the way that

they use energy, waste and water.

1:12:381:12:46

So, the ministry is committed to

putting sustainable development at

1:12:461:12:50

the heart of everything it does, and

we, with the assistance of the NAR

1:12:501:12:54

examined whether this was happening.

First, we were disappointed that the

1:12:541:12:58

sustainable goals were not mentioned

in the ministry's departmental plan,

1:12:581:13:04

despite the Government promising us

that they would appear in every

1:13:041:13:07

departmental plan. This is a

worrying trend across Government.

1:13:071:13:13

Second, how audit and covered

significant weaknesses relating to

1:13:131:13:16

how the ministry manages its sites,

its buildings and refurbishment

1:13:161:13:20

projects, is carbon emissions,

vehicle fleet, and its approach to

1:13:201:13:24

policy-making. On sites, the

ministry's estate is one of the most

1:13:241:13:29

ecological diverse in Government.

Its prison and immigration removal

1:13:291:13:35

Centre and centres to contain ten

sites are specific interest. Only

1:13:351:13:41

two of which are in a favourable

position. We heard about one

1:13:411:13:50

contract who destroyed a national

important protected orchid meadow

1:13:501:13:58

but was not penalised or held to

account through the contract. The

1:13:581:14:01

ministry wants all of its new

buildings to achieve an excellent

1:14:011:14:05

rate under the building research

environmental assessment method, so

1:14:051:14:13

new buildings are excellent. It

wants... We found that the ministry

1:14:131:14:20

has not assessed the environmental

performance for nearly two thirds of

1:14:201:14:25

its new build and refurbishment

projects. Of the 54 that did get the

1:14:251:14:29

significant Amax certificate, 14

rail to meet the required standard.

1:14:291:14:40

But, also, risk the health of

inmates from overheating. When the

1:14:401:14:47

analysis being put forward, it is

predicated on good or at excellent

1:14:471:14:51

standards being achieved, so the

building costs more to one or to

1:14:511:14:55

manage, so that it is not actually

meeting the project case that has

1:14:551:14:59

been set out. We also examined her

Majesty's courts and Tribunal

1:14:591:15:06

services. Since 2010, 103

magistrates and 54 County Court have

1:15:061:15:12

closed, and the ministry is

consulting on plans to close nine

1:15:121:15:15

more courts. There were gaps in

guidance to staff on how to sell off

1:15:151:15:19

court tribunal is, and the oversight

of the contractors also showed gaps.

1:15:191:15:25

For example, people tasked with

selling these buildings were unaware

1:15:251:15:28

of their statutory duty to tell

historic England if the buildings

1:15:281:15:33

were listed, or of particular local

significance, and failed to minimise

1:15:331:15:41

the risk of new owners letting the

buildings fall into disrepair. In my

1:15:411:15:48

own constituency, a building has

been left to fall into ruins after

1:15:481:15:55

being sold, and that leads local

taxpayers to foot the bill. On

1:15:551:15:59

flights, and reducing its carbon

footprint, the ministry did not meet

1:15:591:16:06

its targets. In fact, domestic

flights are increasing. We found

1:16:061:16:10

that people flying between London

and Anglesey 108 flights in one

1:16:101:16:16

year, when there is a perfectly good

train service. 98 flights between

1:16:161:16:21

London and Cardiff. Flight also

between Manchester and... The

1:16:211:16:28

ministry did not provide any

explanation for the increase. On

1:16:281:16:31

vehicles, in the autumn by object,

the Chancellor committed that 25% of

1:16:311:16:37

all cars in central Government

departments should be electric, yet

1:16:371:16:40

only two of the ministry's 1500

vehicle car Ultra low emission

1:16:401:16:46

vehicles. We find that the ministry

does not systematically undertaken

1:16:461:16:51

by mental impact assessments for new

policies, and there is a particular

1:16:511:16:54

example of this: The Government

tried to remove the fix cap... But,

1:16:541:17:01

failed to look at the environmental

impact of this decision, despite

1:17:011:17:06

environmental groups saying that it

would have a chilling effect on

1:17:061:17:10

access to environmental justice.

During our hearing, the ministry

1:17:101:17:13

acknowledged many of its

shortcomings, and has been working

1:17:131:17:17

to improve its oversight, consistent

and performance. This is welcome,

1:17:171:17:21

but we urge it to improve in three

areas: To follow it in guidance when

1:17:211:17:28

making policy. There is a certain

irony about the department tasked

1:17:281:17:33

with upholding the law failing to

meet its own legal requirements in

1:17:331:17:38

certain areas, and providing

guidance to staff and contractors,

1:17:381:17:43

and finally, to improve oversight of

governments were sustainability,

1:17:431:17:46

including governance of its

contractors, particular, for

1:17:461:17:51

example, on buying standards around

prison food. So, our

1:17:511:17:56

recommendations, we want the

ministry to set more ambitious

1:17:561:18:00

targets for 2019 - 2020. We found

that it was setting its targets too

1:18:001:18:06

low. So that then they could say, we

have met them a year or two early.

1:18:061:18:11

That is no good. They need to be

setting on the right side of

1:18:111:18:14

impossible. They need to develop the

sustainability policies and set the

1:18:141:18:20

global goals and set that Howard

will meet existing targets. It is to

1:18:201:18:26

improve it estate management and

systematically collect environmental

1:18:261:18:29

ratings that are bigots for all

refurbishment and new build

1:18:291:18:33

projects. It should survive -- --

rating certificates for all of our

1:18:331:18:40

bushman and new build projects. It

should provide guidance for

1:18:401:18:44

oversight on contractors but how to

manage estate sustainably. This is

1:18:441:18:49

including an specific scientific

interests. This is particularly

1:18:491:18:54

important in the wake of the

collapse of Carillion which was an

1:18:541:19:00

contractor on several prisons that

we look at. They must show

1:19:001:19:05

leadership to the rest of central

Government on sustainability. So, Mr

1:19:051:19:09

Speaker, if the UK is to be the at

least for grant of sustainability,

1:19:091:19:14

the Government must lead by example.

The Ministry of Justice is failing

1:19:141:19:21

to meet this requirement. If the

ministry's responds to our report, I

1:19:211:19:25

expect to see a clear plan X getting

how can sons and addressing our

1:19:251:19:31

goals. I look forward to the

Government to's response, and in

1:19:311:19:38

this overlooked but vital part of

Government activity. I thank you Mr

1:19:381:19:44

Speaker and the House for giving me

the opportunity to raise this today.

1:19:441:19:52

Thank you very much, Mr Speaker. I

would like to thank the honourable

1:19:521:19:56

member for Wakefield for her very

detailed and considered report. And

1:19:561:20:00

the point that she makes today,

these invaluable point that she has

1:20:001:20:06

made and the Ministry of Justice

will respond in due course in the

1:20:061:20:10

usual way.

Except for that grace

less tribute for the minister, such

1:20:101:20:17

has been a force in the incisiveness

as well as the cobwebs of scope of

1:20:171:20:21

the honourable lady's statement.

That she has left the House

1:20:211:20:25

speechless. I trust that the

appropriate extract from the

1:20:251:20:31

official report will be put up on

her wall in one of the rooms in her

1:20:311:20:38

home.

LAUGHTER

1:20:381:20:43

We also now come to the second

select committee statement. The

1:20:431:20:47

committee is the same as the

previous treatment, and I called the

1:20:471:20:51

chair of the work and pensions

select committee.

Mr Speaker I hope

1:20:511:20:58

that I will leave the House silenced

by my report, to them. But, to do so

1:20:581:21:04

in record speed. On the 5th of

December, last year, the House

1:21:041:21:10

passed a motion saying that the you

select committee for Work and

1:21:101:21:15

Pensions Secretary reviewed the five

project assessment reviews on

1:21:151:21:22

Universal Credit. The Government

went beyond that. All of the papers

1:21:221:21:26

were almost unreadable. That, they

are now, thanks to turn from pigs is

1:21:261:21:33

into a silk purse. Owes everything

to our clerk and when members read

1:21:331:21:40

the report, they will understand

precisely our debt to him. My

1:21:401:21:45

request, Mr Speaker is to ask your

help on two fronts. First of all,

1:21:451:21:50

this huge project

1:21:501:21:51

help on two fronts. First of all,

this huge project, huge in

1:21:511:21:56

Government finance, huge in respect

of what it could and might do to our

1:21:561:22:01

constituents, is based on no

business case, at all. I am

1:22:011:22:04

therefore, very pleased, indeed, to

see my friend now in the Treasury,

1:22:041:22:11

sitting there, may I ask through

you, Mr Speaker that he does not

1:22:111:22:19

approve further development of

Universal Credit until the Treasury

1:22:191:22:23

has received the... And secondly,

these reports talk about the

1:22:231:22:31

industrialisation of claims. This is

a roll-out of a benefit which is, to

1:22:311:22:38

put it at its kind list, hit and

miss. -- kindest. The problem is

1:22:381:22:44

that it could bring to our

constituents are beyond imagination.

1:22:441:22:48

The cost to taxpayers could be and

will be enormous. Might I therefore,

1:22:481:22:56

seek your help in getting time to

allow many more members of the House

1:22:561:23:01

of Commons to comment about how

Universal Credit is affecting or not

1:23:011:23:08

affecting their constituents. May I

by thanking you the opportunity of

1:23:081:23:12

presenting this report as a select

committee to the House.

Thank you,

1:23:121:23:22

Mr Speaker. Just very briefly to

thank the right honourable gentleman

1:23:221:23:26

for Birkenhead for the report.

Obviously, I have been before his

1:23:261:23:31

select committee May last few days,

and the number of his points have

1:23:311:23:35

made in the report, he raised as

well in that session that we had to.

1:23:351:23:40

But, of course, consider this, and

my up honourable friend has also

1:23:401:23:45

indicated obviously that we will

work closely together with the

1:23:451:23:48

Treasury in reviewing the contents

of this, thank you.

Thank you, Mr

1:23:481:23:57

Speaker. In paying tribute to the

excellent work by the chavvy select

1:23:571:24:02

committee, and the select committee

as a whole, can I -- by the chair of

1:24:021:24:09

the select committee. Does my right

honourable friend share my concern

1:24:091:24:15

that over seven years after it was

first announced, and repeated resets

1:24:151:24:21

and delays, it is clear that the

Government still cannot provide

1:24:211:24:26

evidence for its key claim that

people claiming Universal Credit

1:24:261:24:30

will be more likely to find

employment, not just the single

1:24:301:24:36

unemployed people without children,

before cuts to work allowances, who

1:24:361:24:40

appear any statistics that the

Government sites, but the few full

1:24:401:24:44

range of people, single parents, the

self-employed, carers, disabled

1:24:441:24:51

people, who are now claiming

Universal Credit, as the full

1:24:511:24:53

service is rolled out?

I am

immensely grateful for that

1:24:531:24:59

question, because the central part

of any business case is based on

1:24:591:25:04

that there would be this movement

from benefit into work. We know that

1:25:041:25:07

the Government has no up to date

data on that yet it is pressing

1:25:071:25:12

ahead. That is why I ask my friend

who is at the Treasury that they do

1:25:121:25:17

not sanction further cash for this

programme until the Department for

1:25:171:25:22

Work and Pensions has produced that

business case.

Thank you, Mr

1:25:221:25:28

Speaker. I want to begin by thanking

the work of the chair of the DWP

1:25:281:25:34

committee for this report. Given

that the key economic assumption,

1:25:341:25:40

and allying Universal Credit will

deliver much improvement employment

1:25:401:25:46

outcomes, and a full business case

for the biggest reform of the

1:25:461:25:49

welfare state in 50 years have not

been made, that he share my concern

1:25:491:25:54

is that claimants have been pushed

into dire financial straits because

1:25:541:26:00

it is not fit for purpose. We know

that the Government says that it is

1:26:001:26:04

confident about the progress of

Universal Credit, but does he agree

1:26:041:26:08

that any say be more openness about

its internal review?

1:26:081:26:15

The internal sharing of information.

My underscore what the honourable

1:26:151:26:23

lady says that there were

constituents are on the rough end of

1:26:231:26:28

this if it all goes wrong.

To use

your terminology, pithy question.

1:26:281:26:36

Does the honourable gentleman feel

that the process so far is one where

1:26:361:26:41

it is IT focused and not person

focused than that of the problem.

1:26:411:26:44

Does he agree.

It is neither that

nor person focused.

We come to the

1:26:441:26:59

backbench motion on community bank

closures. To move the motion I call

1:26:591:27:03

Ruth Sneath.

Can I thank the

Backbench Business committee for

1:27:031:27:11

granting this debate for sponsoring

this timing and incredibly important

1:27:111:27:16

intervention. Can I thank colleagues

for their support of today's debate.

1:27:161:27:22

A vote on a Friday afternoon just

before recess demonstrate how

1:27:221:27:25

important this issue is two hours

and the communities that we

1:27:251:27:29

represent. Madam Deputy Speaker,

like many colleagues, I am angry and

1:27:291:27:36

frustrated, as are my constituents

in the last three months, and the

1:27:361:27:42

towns I am so privilege to represent

have all had bank branch closure

1:27:421:27:47

announcements, ripping the financial

heart out of my towns. What on earth

1:27:471:27:52

is happening? The high street bank

has played a fundamental role in our

1:27:521:27:56

local economy.

And our local

communities for generations. It has

1:27:561:28:01

been a rear constant in the

ever-changing landscape of our

1:28:011:28:05

market towns and city centres. These

bank branches have provided and

1:28:051:28:09

continue to provide a vital function

for the local customers. Whether it

1:28:091:28:15

is the pensioner withdrawing her

money for the week or the young

1:28:151:28:21

family looking to take their first

steps onto the housing ladder. I am

1:28:211:28:27

sure you like I can remember the

intake -- being taken into the bank

1:28:271:28:32

to sign up for your first account. A

big moment. For me it was a NatWest

1:28:321:28:39

account with a ceramic piggy bank.

As you know, Madam Deputy Speaker,

1:28:391:28:44

as I proudly represent the

potteries, how could I not celebrate

1:28:441:28:47

the fact that my piggy bank was a

genuine piggy bank, Woody, made in

1:28:471:28:53

my constituency. These cherished

childhood memories for so many of us

1:28:531:28:58

suddenly may not be may not be

available to the next generation.

1:28:581:29:03

For millions of people up and down

the country the services that local

1:29:031:29:06

rented provide are as necessary as

they have ever been but they are

1:29:061:29:09

disappearing.

Thank you for giving

me and I congratulate her on

1:29:091:29:17

securing the debate, my first bank

was the Midland bank at 11. I have

1:29:171:29:21

been a member of at 424 years much

my shock. In relation to shrinking

1:29:211:29:26

bank services, following NatWest get

the decision to close the banks in

1:29:261:29:36

my constituency, available now on

the B1 banked left and Michael

1:29:361:29:40

constituency, 58,000 people within

the geographical area with one bank.

1:29:401:29:43

Does she agree with me that it is a

shocking failure of the banking

1:29:431:29:47

system and banks are not following

through on the banking schemes they

1:29:471:29:51

are meant to be doing an

communities. I agree with my

1:29:511:29:56

honourable friend and many others

won't agree. There is a genuine

1:29:561:30:07

issue about the responsibilities of

community banking because, Madam

1:30:071:30:11

Deputy Speaker, when I got my first

paying in book, there were 20,585

1:30:111:30:15

branches across the country. By

2012, that figure had dropped to

1:30:151:30:23

just 8837. In the last three years

alone, we have seen a further 1500

1:30:231:30:27

branches closed. That doesn't

include the announcement of further

1:30:271:30:31

closures made in the last three

months the hole that these closures

1:30:311:30:37

the bang goes far beyond an empty

shop front and for the elderly or

1:30:371:30:41

disabled, a three mile journey to

the nearest branch is more than an

1:30:411:30:44

inconvenience. In my constituency,

we are facing the loss of well use

1:30:441:30:52

local bank branches. And the impact

on local residents and local

1:30:521:30:56

businesses will be severe. We are

facing the prospect of losing our

1:30:561:31:02

very last bank branch, a local

Lloyds. Roseland is the mother

1:31:021:31:06

tongue of the potteries, as the

whole house will be aware. It is on

1:31:061:31:11

to the school of art and the

Wellworth Institute report filth of

1:31:111:31:16

October to the outstanding Titanic

Brewery. If these guys go ahead,

1:31:161:31:20

there will no longer be a solitary

single bank. What message does that

1:31:201:31:24

send to a community that are doing

everything it can to support local

1:31:241:31:29

businesses and improve our town

centre. When did community banking

1:31:291:31:32

become a phrase devoid of meaning?

In Kidsgrove on Tunstall, Co-op

1:31:321:31:37

customers are faced with the

prospect of losing their local

1:31:371:31:39

branches. The last remaining Co-op

banks in my constituency. As a

1:31:391:31:45

resident of Tunstall and the

customer myself, I know how popular

1:31:451:31:49

these branches are and the impact of

the disappearance. Walk into any one

1:31:491:31:54

of these branches at virtually any

time of day and you will find people

1:31:541:31:58

queueing. They are used by hundreds

of residents as well as local

1:31:581:32:01

businesses. Petitions against the

closure have already attracted

1:32:011:32:05

thousands of signatures. Residents

have contacted me about what these

1:32:051:32:09

closures mean for them. I must thank

Cazalet Carl Robinson for leading

1:32:091:32:15

the campaign, collecting over 1200

signatures so far and to Tom

1:32:151:32:19

Simpson, Lucy Kelly and the local

traders in Tunstall and Tunstall

1:32:191:32:21

market for their efforts as well as

the wonderful Jim Cartwright for her

1:32:211:32:26

coordination of the campaign. These

closures will have an immediate

1:32:261:32:32

effect and impact on people's lives

for the iPad from elderly

1:32:321:32:37

constituents who use the Tunstall

Co-op branch who will be forced

1:32:371:32:40

instead to travel three miles by

unreliable public transport to a

1:32:401:32:44

city centre with no public

conveniences. People in in their 70s

1:32:441:32:51

and 80s for those with a disability,

this is more than an inconvenience,

1:32:511:32:54

it is a genuine struggle. This was

brought home to me by one story I

1:32:541:32:59

have from a constituent whose

parents have used this band for many

1:32:591:33:01

years. They are not technologically

savvy, a weakness I and I'm sure

1:33:011:33:06

others across the House share and

they find it difficult to use an ATM

1:33:061:33:10

to pay for things in shops using

debit cards. If the House but humour

1:33:101:33:14

me just for a moment, I would like

to quote from my constituent about

1:33:141:33:18

what he has to say about the

closure... My parents are 81 and 83

1:33:181:33:23

years old. They have used the Co-op

bank in Tunstall for many years. The

1:33:231:33:29

staff nor my parents very well. They

are exceptionally helpful,

1:33:291:33:34

supportive, patient and ensure that

the understand everything that they

1:33:341:33:36

need to when they leave. Knowing

that my parents have this kind of

1:33:361:33:41

support when I am unable to be there

every day provides me with a great

1:33:411:33:44

deal of reassurance. I am extremely

grateful for this. I am sure we all

1:33:441:33:50

know people who benefit from this

level of personal service and for

1:33:501:33:56

who the faceless and building world

of online banking simply will not

1:33:561:34:00

work. In fact, in my great city, too

many of my constituents don't even

1:34:001:34:06

have access to the Internet. In the

last three months, the ONS suggests

1:34:061:34:11

that up to 51,000 people, one in

four of over 16 is in Stoke-on-Trent

1:34:111:34:18

haven't accessed the Internet. One

in four. For the record, that's over

1:34:181:34:24

double the national average, which

makes talk of Internet banking of

1:34:241:34:28

the panacea of this crisis absolute

nonsense. For businesses, these

1:34:281:34:35

closures present a genuine challenge

for their business. For those who

1:34:351:34:38

trade primarily in cash, it is

neither safe nor practical to expect

1:34:381:34:43

staff to travel halfway across the

city in order to deposit money. For

1:34:431:34:48

small businesses with a limited

number of employees. The time this

1:34:481:34:52

will take out of their day is a real

hindrance. One of the defence is

1:34:521:34:57

that are often given in advance of

these closures is that nearby ATMs

1:34:571:35:01

will continue to be available. Get

hundreds of these even are at risk

1:35:011:35:05

of being closed down thanks to the

proposed overhaul of the Link

1:35:051:35:10

network what is more common services

provided by external ATMs are

1:35:101:35:14

incredibly limited, even compared

only to the automated services

1:35:141:35:20

available in bank branches. The Post

Office also provides a valuable

1:35:201:35:25

service and in 3000 locations and

soon including my town is the last

1:35:251:35:32

banking retailer in town. The

restructuring process has led to

1:35:321:35:38

branches closing and we don't know

what the future holds. Of course,

1:35:381:35:42

while the Post Office can support

customers looking to withdraw or

1:35:421:35:44

deposit cash, intense provide the

same range of services as a bank can

1:35:441:35:50

-- it cannot provide.

Does she agree

with me that many people actually

1:35:501:35:54

are not necessarily aware of the

services available in Post Office

1:35:541:35:58

and if they are, they don't always

want to do their banking on a local

1:35:581:36:02

shop that may be busy now a lot of

post offices are based.

I couldn't

1:36:021:36:07

agree more with the honourable

member. In fact, one of my concerns

1:36:071:36:11

is that no assessment is done, not

diminished vision of local post

1:36:111:36:16

offices about whether they have the

capacity to with these issues when a

1:36:161:36:19

bank closure occurs in a community.

This leads me onto my next point.

1:36:191:36:24

Britain has often been described as

a nation of shopkeepers. What does

1:36:241:36:27

it say about us if we are unable to

maintain the National banking

1:36:271:36:33

infrastructure that our small

traders need. There is a safety

1:36:331:36:37

aspect to these closures as well.

Should the final Lloyds branch in

1:36:371:36:42

verse and prose the only remaining

ATMs will be inside shops, there

1:36:421:36:47

will be no external ATMs are

available in the town and nowhere to

1:36:471:36:50

withdraw cash after closing time. If

I were to go for a drink in bursa

1:36:501:36:54

and one evening and as the

vice-chair of the all-party group it

1:36:541:36:57

would be impolite not to, there will

be nowhere for me to get cash out.

1:36:571:37:06

To pay for a taxi home, for example.

For many young women, I'm not sure

1:37:061:37:10

if I still fall and that category

are not, on a Friday night... Thank

1:37:101:37:15

you very much an unending witty

speaker! The prospect of walking as

1:37:151:37:21

a petrol station typhoid may leave

them feeling vulnerable and afraid.

1:37:211:37:26

All of this is merely a snapshot of

the human impact that the decline in

1:37:261:37:31

community bank branches is having on

communities like mine. I am deeply

1:37:311:37:34

concerned about what will happen to

other towns should these branches

1:37:341:37:37

disappear. I had hoped that the

banks would share or at least

1:37:371:37:41

understand that concern. Instead,

when I met with representatives from

1:37:411:37:47

the co-operative bank, no longer

associated with the co-operative

1:37:471:37:51

group, my concerns were dismissed

and ignored. When I pointed out that

1:37:511:37:56

the impact assessments were riddled

with obvious inaccuracies, the

1:37:561:38:01

merely shrugged and said it would

make no difference to their

1:38:011:38:04

decision. They treated me and my

constituents with contempt and they

1:38:041:38:07

should be utterly ashamed of

themselves. This is a bank that once

1:38:071:38:12

distinguished itself in its

commitment to ethical finance. So

1:38:121:38:15

tell me what is ethical about

leaving a community without a

1:38:151:38:18

lifeline and ignoring their

objectives. What is responsible

1:38:181:38:22

about providing an incompetently

researched impact assessment which

1:38:221:38:27

sites nearby alternative branches

which closed down a year ago. What

1:38:271:38:31

is caring about hearing the concerns

of 80-year-old men and women, who

1:38:311:38:35

have used the local branch their

whole lives and simply saying to

1:38:351:38:38

those people, the world has moved

on, there is an app for that now.

1:38:381:38:42

Let's be clear, a bank which treats

people this way cannot claim to be a

1:38:421:38:47

community anything and they should

be embarrassed to even try. As the

1:38:471:38:53

statistics demonstrate, this problem

is not limited to North

1:38:531:38:57

Staffordshire, it is a national

problem, certainly, but that does

1:38:571:38:59

not mean that the hardship is evenly

distributed, far from it. In fact,

1:38:591:39:05

research from Nottingham University

found that between 1995 and 2012,

1:39:051:39:10

the areas that suffered the largest

decline in branch numbers are

1:39:101:39:12

characterised by unemployment rates

and levels of renting from the

1:39:121:39:16

public sector that are far above the

national average. They concluded

1:39:161:39:20

that the least affluent South of the

population has borne the brunt of

1:39:201:39:25

two thirds of net closures. People

making those decisions might follow

1:39:251:39:29

the reality of market forces but

Madam Deputy Speaker, I follow

1:39:291:39:34

abandoning people and communities

who need you most. Whatever you

1:39:341:39:38

choose to college, the facts are the

same, the poorest and most

1:39:381:39:41

honourable people in our country,

especially those in rural or

1:39:411:39:46

inner-city areas are frequently

discriminated against in the bank's

1:39:461:39:49

decision-making processes. The

social cost of excluding low-income

1:39:491:39:54

customers from mainstream financial

services can be severe. It can risk

1:39:541:39:59

driving people into less legitimate

but more visible and convenient sing

1:39:591:40:04

methods of finance, including loan

sharks, legal and otherwise. The

1:40:041:40:10

cost of these closures goes beyond

the individual. They have long-term

1:40:101:40:14

repercussions for the whole

community. The campaign for

1:40:141:40:17

community banking services has

argued that bank closures contribute

1:40:171:40:20

to the commercial decline of an

area, as better of consumers change

1:40:201:40:25

the purchasing habits and begin to

shop, bank and even socialise

1:40:251:40:29

further afield. Worse still,

closures are associated with a real

1:40:291:40:34

decline in local bank lending. The

lending declined by 63% in four

1:40:341:40:43

schools that was a bank branch and

it grows to 104% for postcodes that

1:40:431:40:47

lose the last bank in town. The

impact on our high streets and local

1:40:471:40:52

businesses and on future

regeneration can be devastating.

1:40:521:40:58

So, what does that mean where local

people are coming together to lift

1:40:581:41:04

their community up and push against

years of decline? There was a time

1:41:041:41:09

in the local bank was thought of as

the heart of the community, so

1:41:091:41:13

perhaps it still is. So, what

happens to a community when it loses

1:41:131:41:18

its heart? What happens when the

bunch is a collision of a town is

1:41:181:41:22

cut off mid-beat? What happens when

the last financial lifeline

1:41:221:41:25

disappears and leads the elderly and

vulnerable without support? The

1:41:251:41:30

world we live in is not the same as

it was ten years ago. Times change,

1:41:301:41:38

technology is changed and we must

change with them. We also must do

1:41:381:41:41

move to ensure... And we must

recognise that there remains a place

1:41:411:41:50

for community banking, for local

lending and phosphates to phase

1:41:501:41:54

advice. Which means, we need the --

face to face advice. There need to

1:41:541:42:01

be imaginative and consider sector

and can mean wide solutions, not

1:42:011:42:07

pass the buck and playing their

customers. And if they would do it

1:42:071:42:13

voluntarily, Mr Speaker, then we'll

have to force them to? The banking

1:42:131:42:18

sector has options. They could

invest in multifunctional ATMs so

1:42:181:42:26

that customers can pay in money,

they could find more extensively

1:42:261:42:34

community-based financial education,

assisting people with online

1:42:341:42:37

banking. They could even, Madam

Deputy Speaker, find access to

1:42:371:42:41

broadband in some of the harder

reached communities, so that their

1:42:411:42:45

customers could access online

banking. And yet, all we have had

1:42:451:42:49

from the sector is silence. Madam

Deputy Speaker, we need to ensure

1:42:491:42:55

that our banks are working in

everyone's interest, not just their

1:42:551:43:00

own. I move the motion.

The question

is as only order paper, Mr William

1:43:001:43:09

Wragg? Thank you very much, indeed.

It is a pleasure to follow the

1:43:091:43:17

honourable lady, the member for

Stoke north, who gave a splendid

1:43:171:43:21

estimation of the issues that we

face in the country, as well as

1:43:211:43:25

showing the dedication that she has

shown to her constituents in her own

1:43:251:43:29

constituency. A testament to the

numbers here this afternoon. It is

1:43:291:43:32

likely that we all have an interest

in this issue. In the last 25 years,

1:43:321:43:40

in the UK, the closure of nearly

10,000 bank branches, which is over

1:43:401:43:45

half of all of them. This rate has

accelerated more than 600 large

1:43:451:43:51

closures in the past year. It is

right that we should embrace

1:43:511:43:56

technological change, but the rise

of new approaches, including online

1:43:561:43:59

banking means that you are faced

with a decline of traditional

1:43:591:44:02

banking. Many customers have a

preference for in branch banking,

1:44:021:44:08

preferring face to face service, the

chance to talk to people, to get

1:44:081:44:13

financial advice, to access their

money is physically, and having the

1:44:131:44:18

security of receiving a paper record

to prove their banking transactions.

1:44:181:44:23

One of banking's redeeming features

against a backdrop of scandals has

1:44:231:44:28

been the personal relationship that

bank still offer to customers.

1:44:281:44:32

Members of the community often

struggle when a bank closes, and

1:44:321:44:35

this is important for elderly

vulnerable people who may not be

1:44:351:44:39

using online banking. Now, my own

constituency in recent years, which

1:44:391:44:43

suffer from the closure of a number

of local banks, and like other

1:44:431:44:47

members, I am sure, my constituency

has swelled as a result. In May two

1:44:471:44:53

dozen 15, Lloyds bank in marked its

bank would be up for closure. At the

1:44:531:45:00

time, I presented a 583 petition to

this has on the half of local

1:45:001:45:06

residents to call on Lloyds to

reconsider its decision. The bank

1:45:061:45:13

went ahead regardless. This position

made it harder for hundreds of

1:45:131:45:16

customers to access their money and

to get financial advice and face to

1:45:161:45:21

face service. The NatWest has also

recently closed branches in two

1:45:211:45:25

local towns. The last case was

particularly galling. As the

1:45:251:45:31

justification given by NatWest at

the time for its closure, during the

1:45:311:45:39

statue she consultation process, was

considering an act another branch as

1:45:391:45:45

an alternative. But if you mark

after shutting the first branch, the

1:45:451:45:50

branch announced its intention to

close the other branch to. Customers

1:45:501:45:54

who had taken earlier assured about

a back up branch in good faith, felt

1:45:541:45:58

that they had been treated as full

is, and that the behaviour of the

1:45:581:46:02

bag in this instance made a mockery

of the process of consulting on

1:46:021:46:06

closures. Of course, if customers

feel sufficiently overlooked, banks

1:46:061:46:12

may find that they start voting with

their debit card and switch

1:46:121:46:16

accounts. Whilst I accept that

decisions on bank closures are

1:46:161:46:21

ultimately a commercial decision, I

would urge all banks to show more

1:46:211:46:26

consideration of the needs of

customers and how they must best be

1:46:261:46:29

met. They must think carefully

before making a bank closure,

1:46:291:46:36

particularly in rural or semirural

areas. Whilst it may not be a matter

1:46:361:46:40

for the Government to intervene

directly on a decision on a regular

1:46:401:46:48

basis, the Government do have a role

in providing access to banking

1:46:481:46:51

services. Therefore, we should

consider placing a duty on the

1:46:511:46:59

Financial Conduct Authority to

promote financial inclusion as one

1:46:591:47:02

of its core objectives. This could

include a mandate to require

1:47:021:47:09

financial services to meet certain

standards every nation to service.

1:47:091:47:12

This should require the design of

products and services to be more

1:47:121:47:18

inclusive and maintain central

services for people who may not be

1:47:181:47:21

online. During my research for this

debate, I was pleased to learn that

1:47:211:47:24

a lot of the services offered by

banks now that can be done over the

1:47:241:47:29

post office counter. The post Office

continues to offer basic banking

1:47:291:47:33

services to many bank customers, and

99% of banks personal and 95% of its

1:47:331:47:41

business customers are now able to

withdraw cash, make deposits and

1:47:411:47:45

make balance enquiries at the post

office counter. All post offices can

1:47:451:47:51

take cash deposits of up to £2000.

However, this begs two important

1:47:511:47:55

questions: Firstly, what is being

done to ensure that local people are

1:47:551:48:04

aware of the options available

following the closure of their local

1:48:041:48:08

branch? And secondly, and perhaps

crucially, whilst this is good news

1:48:081:48:12

for customers, why is it deemed

acceptable for privately owned

1:48:121:48:16

banks, and indeed publicly owned

bank in some circumstances, to close

1:48:161:48:20

their own branches and rely on the

state owned Post Office to make

1:48:201:48:27

their transactions for them. Are

they making a profit whilst the

1:48:271:48:31

overhead costs are met by the post

office? In conclusion, I would like

1:48:311:48:35

to thank everybody for turning up

today and participating in this

1:48:351:48:39

debate. I look forward to hearing

contributions and the response from

1:48:391:48:42

the Minister.

Madam Deputy Speaker,

I would like to thank you for

1:48:421:48:49

calling me so early in this debate,

because I have a very long way to

1:48:491:48:55

travel, and I like to apologise and

not being there when the winding up

1:48:551:48:59

speeches take place. It is not

intentional. Can I also congratulate

1:48:591:49:02

the honourable member for making a

first-class speech. I believe that

1:49:021:49:09

she covered every single point, and

I'm left with almost nothing to say

1:49:091:49:12

as a result of this, which is rather

distressing for someone like me who

1:49:121:49:16

have a tendency to be verbose, but

there we are. This issue causes me a

1:49:161:49:23

amount of personal pain, because I

have a number of friends who work

1:49:231:49:26

for the Royal Bank at all levels of

that bank, and my comment about the

1:49:261:49:31

Royal Bank of Scotland are not

intended particular at the Royal

1:49:311:49:35

Bank of Scotland, but at the system

in general. In my constituency, we

1:49:351:49:40

are faced with the closure of three

branches. One of which, in the

1:49:401:49:46

north-west, maybe on hold. However,

in the old Royal Borough of Tain and

1:49:461:49:50

wit, the intention is to close them.

I have never seen an issue that is

1:49:501:49:57

causing so much deep unhappiness

amongst my constituents. Call me

1:49:571:50:01

old-fashioned, but the bank manager

was as much a part of the social

1:50:011:50:05

structure of these communities as

was the doctor, the Minister, and

1:50:051:50:10

the schoolteacher. I think,

particularly of what happens... From

1:50:101:50:16

little acorns, mighty oaks grow.

Someone with a business idea could

1:50:161:50:25

go to the branch of their back and

say to the manager I've got this

1:50:251:50:29

idea, will you take a punt? And I

have seen him my hometown, some

1:50:291:50:34

serious the big businesses grow in

my lifetime from absolutely nothing

1:50:341:50:37

to do but -- at all by a brave that

by the bank manager. Do not

1:50:371:50:44

underestimate that. The point about

the post offices: Our main post

1:50:441:50:48

office in the town of Tain closed.

Our post offices now very well

1:50:481:50:54

start, but it is essentially

newsagent. The app between the

1:50:541:50:58

counter where you do your business

and the magazines is only the

1:50:581:51:01

difference between these two

ventures. If you are trying to bank

1:51:011:51:04

large amounts of money at the same

time as Mrs McKenzie is trying to

1:51:041:51:08

buy her copy of the Scots Magazine,

and it all gets muddled. And

1:51:081:51:13

frankly, the staff are getting

hassled, and I do not envy their

1:51:131:51:17

position one little bit. And just a

short anecdote, to reflect on banks.

1:51:171:51:22

My first bank account was opened

when I became a student. My father

1:51:221:51:29

gave me £15. It was with the Royal

Bank of Scotland. In due course I

1:51:291:51:33

spent it all, because I was a young

first-year student and I didn't know

1:51:331:51:37

what I was doing. So, when my grant

cheque came in, I opened another

1:51:371:51:42

account in the Bank of Scotland. And

I spent all that. The trouble came

1:51:421:51:49

when the two bank manager spoke to

each other and they told my dad.

1:51:491:51:54

There was absolutely no end of

trouble over that, but in a way, for

1:51:541:52:00

those of you heart who are experts

on age moll, that conversation,

1:52:001:52:03

perhaps not completely correct

today, headed off a potential

1:52:031:52:09

multiple debt situation, and I was

pulled up and stop where I had to

1:52:091:52:12

be. That was probably to my great

benefits. It is about the human

1:52:121:52:17

face, of course it is, because juice

the something for... And actually

1:52:171:52:26

say, don't worry, the payment will

not be a footie days. That can be

1:52:261:52:30

the difference between peace of mind

or mental torture. It takes -- for a

1:52:301:52:34

feud is. We talk about online

banking, well, I can tell you. If I

1:52:341:52:44

hit the icon here, it says that I

have been logged out, no matter how

1:52:441:52:49

hard I try, I cannot get back in

again. I do not have a clue, just

1:52:491:52:54

like I was 18. So, it is not for

everyone. I think, that the issue

1:52:541:53:00

here, as has been said by the

member, is one for Government.

1:53:001:53:05

Because the only way that we are

going to stop the endless gloomy

1:53:051:53:14

slide of closures, is that the

Government to say, wait, what is the

1:53:141:53:20

public service responsibility, here?

And to come forward with some

1:53:201:53:23

thought and guidance, perhaps as has

been suggested by combining banking

1:53:231:53:29

facilities, getting them to work

together for a one-stop shop. So,

1:53:291:53:35

Madam Deputy Speaker, I would close

by saying I look for something

1:53:351:53:42

coming from the Government to say,

we recognise that this is their

1:53:421:53:45

responsibility, that this is a

danger to society, and that these

1:53:451:53:51

are the proposals that we intend to

bring forward, and I wait, and I am

1:53:511:53:55

at up to Mr, and I hope there will

be something that will sort this one

1:53:551:54:02

and fraud. -- I am an optimist.

Thank you very much. I am grateful

1:54:021:54:08

to the back bench committee for

granting this debate. This is an

1:54:081:54:14

important issue, particularly in

rural constituencies such as my own.

1:54:141:54:18

My constituency of some 250 square

mile in West Sussex consists only of

1:54:181:54:23

small market towns and villages.

Varane large towns, and if one of

1:54:231:54:28

those villages, which have high

streets -- there are no large towns.

1:54:281:54:36

If one of those villages loses its

banking facilities that immediately

1:54:361:54:41

have a knock on effect to the

businesses which are in the village

1:54:411:54:46

or small market town, to the

neighbours, and it is of little use

1:54:461:54:57

to those businesses, and indeed it

is very inconvenient to be told that

1:54:571:55:00

we had to travel to a settlement

which is some miles away. Very

1:55:001:55:05

often, following his closures, there

has not been an alternative retail

1:55:051:55:10

high Street facility in the same

village or small market town. We

1:55:101:55:17

start off with a collective

agreement that it is important that

1:55:171:55:20

we maintain banking Brazil it is in

this area. -- these areas. We are

1:55:201:55:28

not yet in a position where we have

a cashless dam a cashless society.

1:55:281:55:32

Local charities, many of them are

still ready to collect in cash, and

1:55:321:55:37

indeed checks, and they need these

facilities as well. That said, I

1:55:371:55:43

think there are two important point,

here. I think that we have to

1:55:431:55:47

acknowledge the march of technology,

and the huge growth in the numbers

1:55:471:55:49

of customers that are now using

online banking services, and that

1:55:491:55:54

has changed entirely the shape of

retail banking, and the numbers of

1:55:541:55:58

people who are visiting some of the

high Street banks in my constituency

1:55:581:56:02

base closures, Belgian unsustainably

small level. And, it was absolutely

1:56:021:56:11

-- fell to an unsustainably small

level. Police forces confronted with

1:56:111:56:20

the reality and taxi very few people

in deed... Only a handful of people

1:56:201:56:29

were visiting police stations, many

of those actually requiring

1:56:291:56:32

reporting to be made at the police

stations, recognise that it was not

1:56:321:56:37

actually the best way for police to

maintain a footprint of their

1:56:371:56:42

community, by maintaining an

underused building. And, there were

1:56:421:56:45

more innovative ways for the police

to maintain presence in the local

1:56:451:56:49

committees, and that could very

often be through shared communities,

1:56:491:56:52

through setting up pop up shops in

pace were lots of people were, for

1:56:521:56:57

instance in supermarkets, and indeed

developing their online presence.

1:56:571:57:02

And that, actually, represent a

change in the nature of business of

1:57:021:57:08

policing, the shape of policing, and

how it's

1:57:081:57:20

Forces could instantly withdrawn,

there has the presence in

1:57:201:57:23

communities. It may take a different

form but there has to be a presence

1:57:231:57:26

and accessibility. We have the

opportunity of ensuring that local

1:57:261:57:32

banking services can be provided in

these communities on an ongoing

1:57:321:57:35

basis by post offices and we have

heard from my honourable friend,,

1:57:351:57:42

following the new Deal the Post

Office has done with Lloyds, the

1:57:421:57:47

coverage they can provide for basic

banking services is now very high.

1:57:471:57:53

99% for individual private customers

and 95% for businesses. I suspect

1:57:531:58:06

there is relatively low awareness

that post offices can provide the

1:58:061:58:08

services, so I agree with the

honourable member to have set that

1:58:081:58:16

it's quite important there is a

proper campaign of information to

1:58:161:58:20

local businesses were high feedbacks

are lost to explain what services

1:58:201:58:24

can be provided by the local post

offices. It's not good enough to put

1:58:241:58:32

out a newsletter saying the bank is

closing to their customers. The

1:58:321:58:36

banks have a responsibility and they

should exercise it. I think it's

1:58:361:58:40

important that we maintain the post

office network and ensure if these

1:58:401:58:46

post offices are to become local

banking hubs as well as providing

1:58:461:58:51

other services which they do, which

is a great opportunity for the post

1:58:511:58:54

offices, a useful way to maximise

the asset and ensure the investment

1:58:541:58:58

that is made in the post office

network can be realised.

I take on

1:58:581:59:04

board entirely what the honourable

gentleman is saying but surely where

1:59:041:59:07

you have. This using a retail

premises that is entirely

1:59:071:59:12

unsuitable, it must be up to the

post office network to negotiate

1:59:121:59:15

suitable retail premises rather than

unsuitable for the service he is

1:59:151:59:19

talking about. White man we have two

insure the post office premises, if

1:59:191:59:25

they become the only banking

services which are in a village or

1:59:251:59:30

small market town are suitable.

The

post office, in identifying premises

1:59:301:59:36

is to ensure is the case and that

the banking services can be

1:59:361:59:41

provided. In my constituency over

the past few days, the online

1:59:411:59:45

systems have been down. There have

been no banking services as a

1:59:451:59:50

result. There have been problems in

various villages and small market

1:59:501:59:54

towns in my constituency where

suitable post office can be found.

1:59:542:00:01

Suitable premises cannot be found

and we have a suspension of post

2:00:012:00:04

office services for a period of

months, even though the Post Office

2:00:042:00:09

policy is that there will be a Post

Office outlet in those communities.

2:00:092:00:14

It cannot happen if the post office

is become increasingly important

2:00:142:00:19

because they are now providing

banking facilities as well as all

2:00:192:00:23

the other important facilities they

were providing for the local

2:00:232:00:25

community. We need some more

creative thinking in this area and

2:00:252:00:33

we cannot just allow the banks to

step away from their

2:00:332:00:39

responsibilities and take away from

the thinking and responsibility that

2:00:392:00:43

they have to ensure better services

in this regard. I agree with the

2:00:432:00:46

honourable lady with a point she was

making an government has a role to

2:00:462:00:49

play because it's about stepping in

the market isn't working properly.

2:00:492:00:55

It's not working because there is

insufficient demand for banking

2:00:552:00:58

services in these areas in their

traditional form but those services

2:00:582:01:02

are still very important to local

communities whose high streets are

2:01:022:01:07

under great stress. Our high streets

in rural areas have been suffering

2:01:072:01:12

from the impact of globalisation and

competition from our online retail

2:01:122:01:19

services. It's very difficult for

the small businesses to keep their

2:01:192:01:24

heads above water as it is an

banking services are very important

2:01:242:01:27

for them. If the government's

objective helmet in the vibrancy of

2:01:272:01:33

these high streets and it is, some

very active measures to ensure that

2:01:332:01:38

post offices are promoting the best

banking services and they are well

2:01:382:01:44

publicised, the banks are stepping

up to the plate and helping

2:01:442:01:47

contribute to ensure the banking

services can be universal and are

2:01:472:01:51

just as good as the services

provided before. All those things

2:01:512:01:53

can be done. I had a use meeting

with post office senior management

2:01:532:01:59

to discuss this. My honourable

friend didn't predecessor

2:01:592:02:04

acknowledged these points and I know

the government is concerned to

2:02:042:02:08

ensure that banking services are

provided by the must look forward to

2:02:082:02:12

what can be created here using the

network we already have for post

2:02:122:02:18

offices and ensure they are provided

properly and I don't think it helps

2:02:182:02:22

us just to look backwards and think

we can set a retail banking model in

2:02:222:02:27

aspect when it is actually failing

because it will not provide the

2:02:272:02:33

services necessary for the wider

community and supplies are very

2:02:332:02:39

small number of customers. We need

banking services in these areas,

2:02:392:02:42

they could be provided more

creatively and inevitably but it

2:02:422:02:45

needs government help and needs the

bank to play their part as well.

2:02:452:02:54

Before I call the next honourable

member to speak. I ought to point

2:02:542:02:58

out for the sake of clarity that we

are in very unusual circumstances

2:02:582:03:03

today because the timing of this

business has changed and changed and

2:03:032:03:09

changed again and I appreciate that

this is the last before a recess and

2:03:092:03:17

people who have long distances to

travel are in some difficulty. I

2:03:172:03:22

have allowed for more leniency than

is usual, first of all in the timing

2:03:222:03:29

of people arriving for the beginning

of the debate and secondly in the

2:03:292:03:34

timing of their departure, either

before or after the windups. I would

2:03:342:03:40

like to make it absolutely clear to

the House that this does not create

2:03:402:03:45

a precedent, absolutely not. We have

a combination of circumstances today

2:03:452:03:51

which is highly unusual and that is

why I have allowed leniency. Not on

2:03:512:03:58

other occasions.

I'm sure on behalf

of all of us, we seek your words and

2:03:582:04:07

thank you for your consideration

this afternoon. Could I congratulate

2:04:072:04:11

my honourable friend, the member for

Stoke-on-Trent North and the

2:04:112:04:13

honourable member list -- member for

his oral. Listening to the Right

2:04:132:04:19

Honourable member for Arundel and

South Downs, I listen carefully to

2:04:192:04:22

what he said but I'm afraid he

seemed to be talking himself into a

2:04:222:04:27

bank closure by his statements

because it is about banking services

2:04:272:04:32

by Dale we can also focus on a need

to creatively think about the sort

2:04:322:04:39

of sustainable bank community hub

that is necessary, maybe not in our

2:04:392:04:44

cities or even what down the street

and walked past six banks in half a

2:04:442:04:48

kilometre but for our small town

communities and semirural

2:04:482:04:52

communities around the United

Kingdom for whom it is the bank's

2:04:522:04:57

presence in and a new sustainable

form that we are fighting for and

2:04:572:05:00

championing today. In August 2017,

Reuters reported bank branches

2:05:002:05:07

across Britain have closed at a rate

of 300 per year since 1989. The

2:05:072:05:12

Daily Mail reported in December 2017

that over 1000 branches had caused

2:05:122:05:17

in the two years of 2015 and 2016

and a record 802 branches closed in

2:05:172:05:25

2017. The accelerating pace of

closures appears relentless. In my

2:05:252:05:31

dog Valley constituency. The town of

tech Hill lost its last banking

2:05:312:05:37

2015, and 2016 the tone of Thorn

lost its HSBC branch and in November

2:05:372:05:43

2017. RBS served notice that the

tone would also lose its mass --

2:05:432:05:49

NatWest branch and eternal board is

to lose its last bank branch also, a

2:05:492:05:53

NatWest. The previous government's

response to this relentless wave of

2:05:532:05:59

bank orders was to announce an

access to banking protocol in March

2:05:592:06:03

20 15. It is clear now that the

protocol was not what it seems. It

2:06:032:06:09

laid out a timetable for

consultation about the impact and

2:06:092:06:13

the provision of alternative

banking. No mechanism to stop a

2:06:132:06:17

branch closing. The process for

closure has been determined, a

2:06:172:06:23

mechanism to hold a closure is

nonexisting. Communities have no

2:06:232:06:27

more chance of stopping the closure

than they did in 2015. The

2:06:272:06:32

government has done and is doing

nothing to change this, it is a

2:06:322:06:37

private matter, commercial matter.

We have been told on several

2:06:372:06:40

occasions during Prime Minister's

Questions in recent times. It is as

2:06:402:06:44

if closures when an inconvenient

truth that the government declines

2:06:442:06:47

to collect statistics on closures or

how many communities are now without

2:06:472:06:53

any banking services. The banks

would have you believe that it is a

2:06:532:06:59

story of enlightened pensioners

managing their eyes as an direct

2:06:592:07:04

debits on their smartphones, the

truth is harder to get to. This

2:07:042:07:06

house is not nostalgic. All opposed

to telephone or smartphone banking,

2:07:062:07:13

we're not against people managing

payment on their PCs. The selective

2:07:132:07:17

figures provided by RBS NatWest to

justify closure provide a completely

2:07:172:07:23

different -- distorted impression of

the worth of the NatWest branch to

2:07:232:07:27

each of the towns Ndong Valley. RBS

were keen to tell me that 88% of

2:07:272:07:34

customers and 86% of foreign

customers now bank in other ways.

2:07:342:07:40

Just 40 custom zones and 69 and

Thorn attend a branch on a weekly

2:07:402:07:43

basis. The time viewed for this

estimate was not provided to me.

2:07:432:07:46

When a member of my staff went to

NatWest in midweek in mid-January, a

2:07:462:07:52

quiet post-Christmas week, they saw

a queue outside the bank before it

2:07:522:07:56

opened at 10am and at 1045 they

found a queue more than ten deep in

2:07:562:08:01

the bank with several counters in

use. When I asked RBS how many

2:08:012:08:06

transactions take place at this

branch, in the first hour of each

2:08:062:08:11

day since the New Year, the bank

refused to disclose this

2:08:112:08:14

information. It was commercially

sensitive, I was told. Now would RBS

2:08:142:08:21

furnish me with what proportion of

the customers of person he --

2:08:212:08:26

pensioners, how many transactions

took place in each branch in the

2:08:262:08:29

last year by neither branch opened

the weekend on a Saturday morning,

2:08:292:08:33

where footfall could be more

frequent. So much for dialogue and

2:08:332:08:37

consultation. When I say to Ross

McEwan, RBS chief executive. And the

2:08:372:08:45

personal business lending chief

executive, please an opportunity

2:08:452:08:47

with offers to meet a senior

representative when you refuse to

2:08:472:08:51

provide information which may

demonstrate that small businesses,

2:08:512:08:55

pensioners of the community

generally may need the services

2:08:552:08:57

provided under Thorn and other

branches than you care to admit. In

2:08:572:09:04

response to a question about the

possibility of branches sharing

2:09:042:09:07

premises to make them more viable, I

was told by Mr Matheson that

2:09:072:09:12

NatWest's arrangement with the post

office means the post offices are

2:09:122:09:18

now shared premises, on that basis,

why have any branches at all, the

2:09:182:09:21

post office is NatWest. Where is the

genuine attempt to find a model for

2:09:212:09:27

sustainable banking in these

communities? Instead of small

2:09:272:09:30

corners in corner shops, why can't

post offices be located in secure

2:09:302:09:36

bank premises, sharing them with

more than one bank. Why can several

2:09:362:09:39

banks have staff in both places.

Bank sharing overheads in secure

2:09:392:09:46

premises to create a community of

banking hub. That could be a win-win

2:09:462:09:52

situation. Where is the attempt to

bring young people into branches,

2:09:522:09:58

some real outreach to make them see

the bank as more than an app on a

2:09:582:10:02

smartphone. I don't know about

colleagues around the House today

2:10:022:10:07

but I am getting lobbied by banks

about the latest application to

2:10:072:10:12

provide for financial inclusion.

They are always telling me about how

2:10:122:10:16

they want to do more in our schools

and communities to give people the

2:10:162:10:19

skills to not only press a button on

a computer or click on an

2:10:192:10:24

application but to actually

understand what financial literacy

2:10:242:10:29

really means. They are always

lobbying as but I don't see any

2:10:292:10:33

effort to attract young people into

branches to help them with financial

2:10:332:10:37

decisions and let's not stop at

young people. Many of my

2:10:372:10:41

constituents do not have a bank

account at all and have never had

2:10:412:10:44

one. There are plenty of other

people who still don't know quite

2:10:442:10:48

how to go about getting a mortgage

or how to run and I sat for to save

2:10:482:10:53

or pay off debt.

2:10:532:10:54

My honourable friend is making an

excellent point to attract people

2:10:572:11:02

into branches. Many banks have been

dinners over a number of users try

2:11:022:11:05

to drive people out of the branches

by taking essential services away

2:11:052:11:08

from that branch.

2:11:082:11:16

In I absolutely agree. You would

think that they... It is this a self

2:11:162:11:22

fulfilling prophecy that they are

creating. Madam Deputy Speaker,

2:11:222:11:25

Parliament needs to demand more from

Government, and more from the big

2:11:252:11:29

five banks, beginning with support

for local communities. Whilst

2:11:292:11:33

branches cluster in large cities, in

lavish offices, outlying towns and

2:11:332:11:38

villages are being denied branches

that are anchors for local

2:11:382:11:42

businesses. We are told that the

average customer travels just two to

2:11:422:11:49

2.5 miles to the nearest bank

branch. I worry about figures like

2:11:492:11:55

that, because what that really means

is that they estimate all of the

2:11:552:11:59

access across the UK and then divide

it, so of course, that figure is

2:11:592:12:04

going to be distorted by the density

of branches in our cities. I give

2:12:042:12:09

way to my honourable friend.

Thank

you so much for giving wave and for

2:12:092:12:13

making such a passionate speech on

this issue. One of my issues with

2:12:132:12:15

the journey Times quoted, is that I

don't believe any of them have ever

2:12:152:12:22

been done on public transport, and

do not believe any -- include how

2:12:222:12:27

many bus changes may take place. The

numbers don't make sense, do you

2:12:272:12:33

agree?

My honourable friend make

such an important point, here. There

2:12:332:12:37

are so many substance about the way

that people live their lives today

2:12:372:12:40

is that there is no... To our own

experience let alone that of our

2:12:402:12:46

constituents. In my constituency, we

are footie ten or 20 miles to the

2:12:462:12:51

nearest branch. We don't hear about

that ten to 20% of people across the

2:12:512:12:56

UK who are in that situation. As

what my honourable friend says, many

2:12:562:13:03

of those people do not have access

to a car, and actually, to get to

2:13:032:13:08

Doncaster town centre but many of my

constituents, it is at least two

2:13:082:13:11

buses to get into town, and then

they are not necessarily happening

2:13:112:13:15

every five minutes. Likely situation

that many of my friends in London in

2:13:152:13:18

the big cities tend to benefit from,

and sits just not recognised. If the

2:13:182:13:24

Government really wishes to support

our small towns, to regenerate and

2:13:242:13:30

develop, and down hard to say that

in Thorne and bought three, in the

2:13:302:13:36

last ten years, it has been half,

but we are seeing a renaissance in

2:13:362:13:42

this towns. It is fantastic, and at

that tipping point, we are in danger

2:13:422:13:47

of losing our last bank. It just

does not make sense, because if we

2:13:472:13:51

want to hold the growing gap between

city and small-town Britain, we need

2:13:512:13:57

a policy to keep bank branches open

in a more creative and sustainable

2:13:572:14:02

way. It cannot be right, it cannot

be right that towns with a

2:14:022:14:07

population of four of 5000 people in

the population in the immediate

2:14:072:14:12

vicinity, let alone the many towns

even smaller are losing out. That

2:14:122:14:15

they cannot have, not just banking

services, but the presence of a

2:14:152:14:21

face, not just a tale, not just a

machine, not just a counter in a

2:14:212:14:26

convenience store for their

financial needs. So, 4000 people

2:14:262:14:31

soon with no branch in one area.

Stray Van as market town,...

2:14:312:14:43

Hornsey, all these communities soon

to be left with no bank and the

2:14:432:14:48

Government needs to do something

about it. It could begin, and I say

2:14:482:14:53

to the Minister, it could begin, by

collecting and reporting the data on

2:14:532:14:57

writers and the rate of closure,

facing this uncomfortable truth

2:14:572:15:02

about the loss of services in

small-town Britain. The Government

2:15:022:15:06

cannot be neutral on this matter.

This is not about me a -- not about

2:15:062:15:16

neoliberalism. This is about

inclusion and quality. I urge the

2:15:162:15:23

Minister to act before branch

networks are a thing of the past.

2:15:232:15:30

Thank you, Madam Deputy Speaker. I

pay tribute to the honourable

2:15:302:15:33

members. And Trent, north and Hazel

Grove for bringing this highly

2:15:332:15:36

topical issue before the parliament,

today. The announcement in December

2:15:362:15:43

that is 62 branches will be shut

across Scotland, affected my

2:15:432:15:49

constituency more than most. I wish

to concentrate and focus my remarks

2:15:492:15:53

on this announcement. Six branches

are set to close in Berwickshire,

2:15:532:15:59

Roxburgh and Selkirk in what is the

latest in a string of closures for

2:15:592:16:04

the Scottish Borders. Now, we all

acknowledge that banking habits are

2:16:042:16:08

changing, and that branches are less

well use them Easterby, however what

2:16:082:16:14

banks are failing to appreciate is

that for those who do use them, they

2:16:142:16:17

remain more vital than ever. I share

honourable member is concerned that

2:16:172:16:22

these closures will affect

vulnerable customers as well as cash

2:16:222:16:24

handed his listeners, and community

groups -- cash handy businesses and

2:16:242:16:30

community groups. The impact of bank

closures is particularly acute in

2:16:302:16:35

rural areas for a number of reasons.

Firstly, alternative services are

2:16:352:16:39

already stretched. The process in

Howick is already stretched... In

2:16:392:16:53

east Berwickshire, there is some of

the worst Internet speed in the

2:16:532:16:56

whole of the United Kingdom. Where

more than a third of people are

2:16:562:17:01

unable to receive a decent

connection. However, these people, I

2:17:012:17:06

asked, will be expected to rely on

Internet banking as an alternative.

2:17:062:17:10

High Street and their Scottish

Borders are also struggling. Selkirk

2:17:102:17:17

is currently going through a

significant amount of town centre

2:17:172:17:21

regeneration, only for the bank to

announce that they are now going to

2:17:212:17:24

leave. Another issue which affects

one of the branch closures, in the

2:17:242:17:29

Borders is disabled access. The

branches in dance is set to close in

2:17:292:17:36

RBS branch, and although the back of

Scotland remains, it is only open

2:17:362:17:39

three days a week, and both the

branch and the ATM are not

2:17:392:17:43

wheelchair accessible. Many people

in the Borders think these closures

2:17:432:17:48

have been decided by people of

little express of living outside the

2:17:482:17:51

metropolitan areas of the United

Kingdom. Someone has looked at the

2:17:512:17:54

map, without any knowledge of the

local area, and drawn Red crosses

2:17:542:17:58

all over it. There has been a

complete lack of consultation, the

2:17:582:18:03

Royal Bank of Scotland simply

announced these closures and told

2:18:032:18:06

their customers to like it or lump

it. There is a feeling in my area,

2:18:062:18:12

that enough is enough. Opposition to

the latest round of closures is

2:18:122:18:19

unprecedented, and contacted by huge

numbers of constituents. Tomorrow, I

2:18:192:18:23

will be holding three public

meetings on branch closes, spread

2:18:232:18:27

across my constituency, such is the

level of concern around these days.

2:18:272:18:32

-- around this news.

Do you agree

with me that announcements by RBS to

2:18:322:18:39

keep some branches temporarily open,

I think one in my -- one in his

2:18:392:18:45

constituency, none in mind, does not

go far enough, nowhere near enough,

2:18:452:18:48

and leaves the images and more

deprived community is at risk of

2:18:482:18:52

losing their services?

I think the

honourable member makes a very

2:18:522:18:56

important point. I would like to

come onto the bag's announcement

2:18:562:19:00

this week very shortly. I share her

concerns certainly. Now, I accept

2:19:002:19:09

the Government's position that this

is the commercial decision by the

2:19:092:19:13

bank. The public shares are not

managed by the Treasury. They are

2:19:132:19:20

controlled by arms length company UK

FI, whose role is to manage the

2:19:202:19:24

public investment, and not to manage

the bank. It would set a dangerous

2:19:242:19:29

precedent if there was direct

Government interference in a

2:19:292:19:32

decision like this. Having said

that, the arrangement with UK FI

2:19:322:19:37

would not have stopped the

Government I believe from telling

2:19:372:19:40

the bank that they had got this

decision wrong. The announcement

2:19:402:19:44

this week from the Royal Bank of

Scotland, with its mineral

2:19:442:19:48

congestions is simply not good

enough -- minimal concessions is

2:19:482:19:51

simply not good enough. Only Melrose

in the Scottish Borders will be

2:19:512:19:58

given a state of execution, and no

one really expects these banks to

2:19:582:20:03

avoid closure ultimately. I was

therefore, very surprised to leave

2:20:032:20:06

the comments from the honourable

member for Ross, Skye and Lochaber.

2:20:062:20:13

He was praising the bank for these

announcements. I was also surprised

2:20:132:20:16

to read his comments when he seemed

to be taking credit for what he

2:20:162:20:23

anticipated would be good news.

Will

be honourable member agree with me,

2:20:232:20:29

that with the banks that have been

temporarily rebuke of the moment,

2:20:292:20:32

would he agree with me that while

that is not good enough, the UK

2:20:322:20:36

Government should be exerting its

influence as the major shareholder,

2:20:362:20:39

on behalf of the taxpayer, and

should be exerting its much greater

2:20:392:20:43

in fluent in this matter? Allen-mac

and grateful -- influence in this

2:20:432:20:48

matter.

I accept that while the

Government does own the shares, they

2:20:482:20:55

do not have direct control over the

day-to-day running of the company.

2:20:552:20:59

Equally, I believe, and are strongly

argued that the Government should be

2:20:592:21:03

applying moral pressure on the bank

to think again on this

2:21:032:21:06

decision-making process. So, I think

there's announcement from the bank

2:21:062:21:13

is not going far enough. The bank

has made some changes, minimal

2:21:132:21:17

changes, they have not fully

addressed the concerns of my

2:21:172:21:22

constituents have raised. And, I was

surprised I the comments from her

2:21:222:21:29

colleagues, the leader of the

Scottish National Party, here, at

2:21:292:21:33

Westminster, and he seemed to be

trying to take credit for the bank's

2:21:332:21:38

reversal, what he anticipated was

going to be good news from the

2:21:382:21:42

banks. As a prize from that. The

bank made clear that these changes

2:21:422:21:47

were in response to concerns made

from politicians to all committal --

2:21:472:21:53

by politicians from all political

parties.

2:21:532:22:04

Now, the truth is the campaign

against this RBS bank closures has

2:22:122:22:16

been a truly cross-party effort, led

have to say by the affairs

2:22:162:22:20

committee. -- Scottish affairs

committee. I am pleased to see

2:22:202:22:27

members of those committee. I know

that they feel as passionately as I

2:22:272:22:30

do on this issue. All members who

are losing branches in

2:22:302:22:35

constituencies share a desire to

make the bank think again. For the

2:22:352:22:40

SNP, the loss of 52 branches across

Scotland is a price worth paying to

2:22:402:22:44

save ten branches. This is that the

communities in the Borders, it is

2:22:442:22:54

bad rural communities across

Scotland. This is bad for the

2:22:542:22:57

elderly and bad for the vulnerable.

It is a bad deal to avoid further

2:22:572:23:01

public scrutiny.

It is a pleasure to

speak in this debate. Can I

2:23:012:23:13

congratulate the honourable member

for Stoke-on-Trent North. And Hazel

2:23:132:23:16

Grove for securing this debate, and

indeed for the backbench committee

2:23:162:23:20

for awarding the debate. I was

elected in 2010 following the great

2:23:202:23:25

financial crash of 2008. At the

time, MPs were tasked with two great

2:23:252:23:32

challenges. Firstly, to ensure that

the public never have too bailout

2:23:322:23:36

banking again, and secondly to

rebalance the economy

2:23:362:23:38

geographically. Both tasks in my

view require a fundamental rethink

2:23:382:23:44

of how the financial system works.

In reality, we have made little

2:23:442:23:48

progress over the last eight years.

Firstly and very briefly on moral

2:23:482:23:52

hazard. Reforms in my view have been

far too timid. We needed to break up

2:23:522:23:59

the big banks, move away from the

universal model,... That is the only

2:23:592:24:06

way to insure that the public up the

-- are protected. Instead of a

2:24:062:24:19

dominant of a few major banks.

Creating that more equal banking

2:24:192:24:26

system is a key element to rebalance

the economy of the British state on

2:24:262:24:30

a geographic basis. The banks,

having being bailed out, and we are

2:24:302:24:37

talking about is nearly £1.3 billion

in loans, grants and guarantees from

2:24:372:24:43

the public, they have now abandoned

our communities. Over 200 bank

2:24:432:24:46

branches have been closed in Wales

in the last six years. I'm sure the

2:24:462:24:57

same can be said for many rural

areas if England Scotland and

2:24:572:25:01

Northern Ireland. In my own

constituency, all the major towns

2:25:012:25:06

have faced bank closures, sometimes

left without any banking provision,

2:25:062:25:12

at all. Remember, we are talking

about a large chunk of the west of

2:25:122:25:16

my country, here. Since I have been

elected, HSBC have closed their

2:25:162:25:20

branch in front of me, and the

argument at the time was that

2:25:202:25:23

services would be provided

elsewhere. They then close that

2:25:232:25:29

branch, saying that it would be

provided yet elsewhere. Only then

2:25:292:25:32

did they closed the other branch

again. Just before Christmas in last

2:25:322:25:40

year, Lloyd announced its intention

to close in NatWest. Bank closures

2:25:402:25:51

create a four major product loans in

my view for the communities that we

2:25:512:25:54

serve, on top of pounds using their

status as commercial centres. Job

2:25:542:26:04

losses associated with the bank in

question. The loss of vital banking

2:26:042:26:08

services, and this is a huge problem

as has been mentioned in rural areas

2:26:082:26:13

where there is poor digital

infrastructure. That renders

2:26:132:26:16

Internet banking offer redundant. In

particular for people who continue

2:26:162:26:21

to rely on cash and cheques for

financial transactions. Thirdly, the

2:26:212:26:25

loss of banking services free ATMs

in our towns, and a number of the

2:26:252:26:32

speakers referred to the problem is

that can cause. And lastly, the loss

2:26:322:26:38

of banks undermine the financial

underpinning of our local

2:26:382:26:41

communities. This, despite the far

reaching consequences over recent

2:26:412:26:46

years.

2:26:462:26:52

Research indicates a blank closure

damages lending by 62%, a huge

2:26:532:26:57

impact on economic performance with

businesses deprived of access to

2:26:572:27:01

lending which is so important to

help them develop and maintain

2:27:012:27:04

sustainability. This furthers

geographical wealth and

2:27:042:27:10

inequalities, creating challenges in

those communities. What we are

2:27:102:27:15

seeing as mentioned earlier is a

huge market failure with dire

2:27:152:27:22

economic and social consequences,

and policymakers simply must address

2:27:222:27:25

the situation. We can of course look

across the world for new means

2:27:252:27:31

examples of what can be done to deal

with the situation we face. In the

2:27:312:27:34

Republic of Ireland they have

mainstreamed their credit unions to

2:27:342:27:38

make sure they provide banking

services to the citizens of their

2:27:382:27:42

country. In the US, credit unions

also provide mainstream functions

2:27:422:27:47

including critically lending to

businesses in the communities they

2:27:472:27:49

serve. They also have a strong

network of community banks which

2:27:492:27:54

underpin the local economy. In

Germany, their strong economic

2:27:542:28:01

performances underpinned by bank

networks, which essentially publicly

2:28:012:28:04

sponsored community banks. In my

view, we require action on three

2:28:042:28:11

fronts. Firstly, a US style

communities reinvestment act which

2:28:112:28:18

ensures the big banks ensure their

resources geographically and

2:28:182:28:21

equitably in order to ensure

businesses are able to obtain

2:28:212:28:24

finance and that the wealth is

shared evenly. Otherwise banks will

2:28:242:28:29

continue to conjugate on the City of

London in socially useless

2:28:292:28:32

investments which deepen the

geographical wealth inequalities in

2:28:322:28:36

the British economy. Secondly the

protection and enhancement of

2:28:362:28:40

post-office for national services,

operating essentially as

2:28:402:28:45

all-inclusive providers and

community banking hubs. For this to

2:28:452:28:48

bear fruit, we have two ensure that

the obsession of successive British

2:28:482:28:54

governments in rationalising the

network has to be resisted. Thirdly,

2:28:542:28:58

as the British Government owns 73%

of RBS which owns NatWest, surely

2:28:582:29:04

one option would be to change the

business model and use this

2:29:042:29:08

ready-made network. It appears

however that the priority of the UK

2:29:082:29:12

Treasury is to support bank closures

in order to pay RBS for failed to

2:29:122:29:16

city investors, in this would be an

enormous missed opportunity

2:29:162:29:22

considering that we the public

actually on a large share of our

2:29:222:29:24

bank. Another option put forward by

my constituency colleague Adam Pryde

2:29:242:29:34

would be in network under the Welsh

public bank brand. The consequences

2:29:342:29:38

of doing nothing means we will not

deal with the two major challenges

2:29:382:29:43

are set out at the beginning of my

speech. When the next national crash

2:29:432:29:47

comes, the public will have to bail

out failing financial institutions.

2:29:472:29:51

Secondly, there is no hope in

dealing with the grotesque

2:29:512:29:55

geographical wealth inequalities

which exist within Britain.

I

2:29:552:30:02

commend the Member for Hazel Grove

and the Member for Stoke-on-Trent

2:30:022:30:06

North for acquiring this debate

today. My constituency is formed of

2:30:062:30:11

four market towns and a lot of

villages will be no surprise to

2:30:112:30:13

members we have seen a number of

bank closures in the past two years.

2:30:132:30:18

There are no branch is left at all

in Bradford-on-Avon or Corsham.

2:30:182:30:22

Locally, a key part of the problem

has been an imposition transport

2:30:222:30:28

infrastructure to get people into

those towns. -- insufficient

2:30:282:30:31

transport infrastructure. And an

above average ageing population. The

2:30:312:30:39

banking industry estimates bank

visits have been falling roughly a

2:30:392:30:42

third since 2011, and I do

understand and recognise banks are

2:30:422:30:48

businesses and their branch closes

are down to commercial reasons.

2:30:482:30:52

Fundamentally, because of advances

in technology, on loan and mobile

2:30:522:30:57

banking, this has significantly

reduced demand. -- online and mobile

2:30:572:31:01

banking. Checks are still the main

reason why people go to a bank

2:31:012:31:05

branch and a range of Czech usages

have declined severely, by 13% in

2:31:052:31:12

fact between 2014 and 15 alone. I do

correct the House, it was that check

2:31:122:31:18

usage has declined. Things have

changed, and I remember back in the

2:31:182:31:24

day when my mother used to pay in

the supermarket with a cheque-book

2:31:242:31:28

and a cheque guarantee card, now she

uses Apple pay her iPhone. To

2:31:282:31:34

explain the decrease in demand, we

must consider the purpose of banks,

2:31:342:31:38

for some people, as members have

alluded to, the banks are more than

2:31:382:31:45

just normal services. They are

actually a part of their community.

2:31:452:31:49

They offer them a personal

relationship, an opportunity to chat

2:31:492:31:54

and can prevent loneliness. This is

why closures for some is not just an

2:31:542:31:58

inconvenience or a sting but can

actually hurt. I know that has been

2:31:582:32:02

the sentiment in my own

constituency. With a view of banks

2:32:022:32:08

like this is decreasing, especially

with younger generations. Hence need

2:32:082:32:11

to specifically help and consider

the elderly when banks close. I must

2:32:112:32:15

note at this point, there are

provisions available to reduce the

2:32:152:32:21

impact of bank closures already. The

industry's access to banking

2:32:212:32:27

standard, launched in 2017, makes a

commitment to information about

2:32:272:32:29

branch closures along with the

options they have locally. To

2:32:292:32:34

continue to access banking services.

And it also includes specialist

2:32:342:32:38

assistance for customers who need

specific help. Importantly, it

2:32:382:32:42

commits to providing a minimum

three-month notice of branch

2:32:422:32:45

closures. However, I personally

don't think three months is enough.

2:32:452:32:50

It isn't long enough for people to

change their habits or to prepare

2:32:502:32:54

themselves. I call on the Minister

to call on the banks to operate a

2:32:542:33:00

six-month policy which seems fairer

and more adequate. It is vital that

2:33:002:33:05

when banks make decisions on

closures, they do review the public

2:33:052:33:09

transport network and infrastructure

and ensure that provision is

2:33:092:33:12

available so banks are accessible

within the parameters of the area.

2:33:122:33:18

Mobile banking is a perfect example

of a halfway house. It costs only

2:33:182:33:24

19% of a physical branch. RBS group

and Lloyds have built a large

2:33:242:33:28

network of mobile banks across the

country, and HSBC had just started

2:33:282:33:32

to do the same. These help in areas

where it is not accessible to have

2:33:322:33:38

an alternative provision and can be

used as transitional arrangements to

2:33:382:33:41

enable people to adapt and have more

time.

I completely take on board the

2:33:412:33:51

point made about mobile banks, but

there is an issue here about the

2:33:512:33:54

public having to queue outside the

mobile bank in bad weather and

2:33:542:34:00

getting soaking wet, also because

many mobile banks handle paper

2:34:002:34:03

transactions.

I don't believe mobile

banks are the answer, and proposing

2:34:032:34:12

potentially they are part of the

solution. Considering cold weather

2:34:122:34:15

is a valid and worthy point. I have

worked with Lloyds myself locally to

2:34:152:34:20

reduce the impact and manage the

transition of the loss of branch in

2:34:202:34:24

Bradford-on-Avon and caution, and

I'm pleased to say we have a

2:34:242:34:27

provisional agreement to a mobile

banking trial in Corsham. I am sure

2:34:272:34:32

you agree with me, the case is just

as valid in Bradford-on-Avon, and

2:34:322:34:36

I'm sure the Minister also agrees,

being a local member for Wiltshire.

2:34:362:34:42

Turning to the impact of branch bank

closures, the case is different in

2:34:422:34:47

every circumstance. When severe, I

can suggest a lack of investment and

2:34:472:34:53

training and support for old and

vulnerable people alongside the

2:34:532:34:56

closure. That's why I do reiterate

that I think three months is not

2:34:562:35:00

long enough. It also takes time to

build the confidence of some people

2:35:002:35:06

in the security of digital banking.

In fact, I have run three fraud

2:35:062:35:12

workshops alongside Lloyds bank and

Barclays would have been heavily

2:35:122:35:15

attended, particularly by the

elderly community. Support to

2:35:152:35:19

vulnerable residents and the elderly

is crucial. It is important to

2:35:192:35:24

remember that about 4 million people

are not online at all. These are

2:35:242:35:28

mainly the elderly. However, we must

not write off older people as

2:35:282:35:34

incapable of using the Internet, but

support and manage them and give

2:35:342:35:37

them the tools and skills to make

this progress. In fact, already over

2:35:372:35:42

600,000 customers aged over 80 have

online banking. They put me to shame

2:35:422:35:48

as I only just joined last year.

Another stumbling block to digital

2:35:482:35:55

banking can be deprivation. It can

render some people unable to own a

2:35:552:35:59

computer or a smartphone. There are

mobile blackspots and patchy

2:35:592:36:04

Internet services, both common in

the villages in my constituency.

2:36:042:36:08

Banks should ensure an alternative

option is at Festival, such as

2:36:082:36:13

mobile banking or sufficient public

transport to the nearest branch. --

2:36:132:36:19

alternative options are available. I

do not think that post offices are

2:36:192:36:27

the answer, but I do think they are

part of the solution. Post offices

2:36:272:36:31

can play an essential role. Post Our

offices have been struggling for

2:36:312:36:37

years, but incorporating banking

into their services is proving to

2:36:372:36:40

increase football and engage people

in their services once again.

2:36:402:36:44

Currently the post office offers

baking banking services to many

2:36:442:36:50

customers and is expanding to

business customers as well. -- basic

2:36:502:36:54

banking. Awareness is the problem

here and it is also about changing

2:36:542:36:58

consumers habits. I was pleased that

in the autumn budget of 2017, the

2:36:582:37:03

Treasury wrote to the post office

and UK finance and stressed the

2:37:032:37:07

importance of raising public

awareness. I would like to know from

2:37:072:37:11

the Minister what has been the

result of that. In conclusion, I do

2:37:112:37:16

think it is important that we don't

resist technology. That we accept

2:37:162:37:21

and embrace change to enable

progress and grow our economy and

2:37:212:37:24

compete on the international stage.

But I do want to be realistic here,

2:37:242:37:29

I believe it is inevitable that all

branches will eventually close. In

2:37:292:37:33

fact, the supply of them has reduced

by 60% of my own lifetime. What I

2:37:332:37:38

think we should be doing is

encouraging a sustainable hub model

2:37:382:37:42

to emerge, a one-stop shop,

somewhere where post offices can be

2:37:422:37:47

banking facilities can be offered,

debt advice potentially, maybe even

2:37:472:37:52

see a beak, and this will help

safeguard our high streets. The

2:37:522:37:59

transition period is so important

along with the support available at

2:37:592:38:02

the moment. Banks do need to be

leading the way in training and

2:38:022:38:05

supporting people who are currently

unable to support themselves with

2:38:052:38:10

the digital skills. We must also

encourage the roll-out of mobile

2:38:102:38:13

banking. Today, I hope that I have

outlined that the banking world is

2:38:132:38:20

changing, but there is a process

where we can improve the transition

2:38:202:38:24

so that everybody in society can

continue to embrace technology, and

2:38:242:38:31

we must support our community.

I

congratulate my honourable friend

2:38:312:38:43

from Stoke-on-Trent North for

securing the debate as well as my

2:38:432:38:45

honourable friend the MP for Hazel

Grove. I would like to speak to my

2:38:452:38:53

comments, or direct my comments to

Ramsbottom. Ramsbottom is frequently

2:38:532:38:57

in the top ten list of best places

to live and visit. Of the two market

2:38:572:39:05

towns I am proud to represent, it's

Ramsbottom that has been hit first

2:39:052:39:10

and hardest by this bank closure

trend. It is in need of a community

2:39:102:39:17

banking offer, visiting small

businesses in December, small

2:39:172:39:23

businesses, shopkeepers and

charities all spoke of problems they

2:39:232:39:27

faced keeping their heads above

water. Community banks and banks

2:39:272:39:31

generally bring tradespeople to the

town, they increase football and

2:39:312:39:35

help determine a town's future

prospects. Paying in, cashing up,

2:39:352:39:41

small impulse buys, floats, cash

only stalls, depositing, General

2:39:412:39:45

local bank services are all still

part of business life and life and

2:39:452:39:50

living Ramsbottom. But first

Barclays, then that West, closed.

2:39:502:39:59

Now Royal Bank of Scotland. -- then

NatWest. Reducing hours and

2:39:592:40:03

customers producing with it. For any

retail operation or business, a bank

2:40:032:40:07

nearby is likely to determine your

opening hours, as you will need to

2:40:072:40:12

factor in banks closing time with

your own. And that of your staff. It

2:40:122:40:17

will be one of the things you

consider to help you determine where

2:40:172:40:20

you set up in the first place.

Hoping to attract new shops, they

2:40:202:40:29

will quite understandably opt for

another eatery for the night-time

2:40:292:40:32

economy or reach for a high street

name thus risking and diluting the

2:40:322:40:36

independent offer of a town like

ours which is in its first instance

2:40:362:40:41

of the fundamental nature of the

place and why visitors come at all.

2:40:412:40:47

It is all tied into this proud

community which has pulled together

2:40:472:40:51

at a time of morning recently. And

after the Boxing Day floods two

2:40:512:40:56

years ago. There's always something

fun to do and good to see, whether

2:40:562:41:01

that is a festival, competitions,

head for the Hills music Festival,

2:41:012:41:09

civic and town markets, or just a

healthy walk around the shops, but

2:41:092:41:12

of course this isn't all at the door

the banks but they are a

2:41:122:41:17

considerable part of the tutelage of

aspects facing this community,

2:41:172:41:22

including business rates and public

transport links drying up --

2:41:222:41:25

cumulative. It is the independent

nature of them spot and where he

2:41:252:41:32

gets the seal from, these are our

entrepreneurs, and they are rightly

2:41:322:41:46

defending their modern but

traditional offer, the butcher, the

2:41:462:41:51

baker, the dressmaker. The Art

gallery, coffee lounge, craft shops,

2:41:512:41:56

pet shops, chocolate factory and

specialist food stores and family

2:41:562:42:02

run restaurants and the charity

shops, they have all spoken to me

2:42:022:42:05

about the impact for them of this

drying up of available banking at

2:42:052:42:08

our local bank. The increasing risk

of isolation for our older

2:42:082:42:15

communities is also a consideration.

Those for whom it is the nearest

2:42:152:42:20

town, with a bang, they have average

broadband speed -- with a bank. With

2:42:202:42:27

my constituency right 62nd ad of 75

constituencies in the North West on

2:42:272:42:33

this measure, 467 out of 650

constituencies in the UK. Broadband

2:42:332:42:42

is practically nonexistent and we

all know that areas with no history

2:42:422:42:45

of suitable broadband will also

suffer from low skilled internet use

2:42:452:42:50

for the inevitable claim...

Thank

you forgiving the won -- for giving

2:42:502:43:03

way, he makes a very good point

about broadband and I can vouch for

2:43:032:43:07

the fact that in my constituency it

is a nightmare either making mobile

2:43:072:43:14

phone calls or getting onto the

internet, so couldn't the government

2:43:142:43:19

say to the banks, until those areas

have the pleasure fast broadband

2:43:192:43:22

like the cities, dated not be

closing those -- dated not be

2:43:222:43:28

closing those services.

That is an

excellent point, and too often when

2:43:282:43:34

we see the march of progress that

people assume and that the have-nots

2:43:342:43:41

will catch up and it doesn't require

any intervention from government...

2:43:412:43:46

When asking the town for their input

on this debate, the following

2:43:462:43:49

contribution stood out, Stephen

White, pet shop owner, on the high

2:43:492:43:55

street he said we banked with

NatWest in our have to queue at one

2:43:552:44:02

counter at the post office while

others are doing all sorts -- and we

2:44:022:44:04

have. There is now a delay in the

pavement hitting our account and so

2:44:042:44:10

when things are tight as they

sometimes are we can no longer rely

2:44:102:44:14

on getting our days recedes into

help with cash flow. We could move

2:44:142:44:18

banks but there's no confidence that

who we will move to will stay in the

2:44:182:44:21

town or nearby. The woman who runs a

luxury ice cream place says they

2:44:212:44:28

find it increasingly difficult to

bank cash. RBS is now closed two

2:44:282:44:34

days in the week and there is little

consideration given to the elderly

2:44:342:44:39

population who largely prefer

face-to-face banking. Louise from a

2:44:392:44:45

switch up, -- sweet shop, there are

so many less people in the town now,

2:44:452:44:58

and if the bank is now used as a

wine bar, there will be fewer people

2:44:582:45:03

there in the day and they won't be

buying sweets. Offering solution,

2:45:032:45:09

the government should sponsor more

banks to stay in the region and we

2:45:092:45:15

should look at extending and

mandating the role of credit unions.

2:45:152:45:18

Labour Bottom

2:45:182:45:20

we should make sure that community

banking is available. We should

2:45:222:45:31

reward tax with tax incentives,

community operations where the

2:45:312:45:35

balance sheet argument by the

existing bank is that a Danny Briggs

2:45:352:45:38

even. But I fear that the government

will simply say, we are just a

2:45:382:45:44

government, what can we do? There is

a role for government to intervene,

2:45:442:45:48

for the industrial strategy to

incorporate the experiences of these

2:45:482:45:52

hundreds of thousands of businesses.

These are the real employers, the

2:45:522:45:58

wealth creators and the tax

creators, 80% or more of our economy

2:45:582:46:02

is made from these people and

job-creating heroes sweating so the

2:46:022:46:07

government gets its tax receipts. So

don't dismiss Tiago Sousa that this

2:46:072:46:12

is simply a commercial decision for

the big banks. -- so don't dismiss

2:46:122:46:18

the argument that this is simply a

commercial decision. They can stand

2:46:182:46:23

up in central these real employers

and heed these concerns on the

2:46:232:46:26

withdrawal of banks, committing to

new community banking and include

2:46:262:46:31

everyone in our society to benefit.

Thank you very much. I congratulate

2:46:312:46:40

the members for Stoke-on-Trent North

and Hazel Grove for securing this

2:46:402:46:43

debate. This is a matter of interest

to me as early in December at Lloyds

2:46:432:46:48

Bank announced the closure of three

branches in the Waverley Valley

2:46:482:46:53

dairy in Suffolk, in fungi

>>

STUDIO:

-- Waverley Valley area in

2:46:532:47:08

Suffolk, including my constituency

for the shortly after the Lloyd's

2:47:082:47:12

announcement NatWest announced the

closure of their branch also in my

2:47:122:47:19

constituency, and the main issue of

concern with these closures is that

2:47:192:47:21

if Lloyds proceeds with the closure

of their branch there will be no

2:47:212:47:27

bank left in the town, and I believe

that we need to be putting in place

2:47:272:47:31

policies to prevent this happening.

Some might say that I am a Luddite

2:47:312:47:36

in making such suggestions, that one

can't hold back the inevitable march

2:47:362:47:40

of the internet and modernisation,

but my concern is that some banks

2:47:402:47:47

are closing branches in an

indiscriminate non-strategic way

2:47:472:47:51

that will have an adverse negative

impact on the elderly and the

2:47:512:47:55

disabled and those without transport

and small businesses, and those

2:47:552:48:01

economies of those towns and their

hinterlands which are left with no

2:48:012:48:04

banks standing. In the last two

years Bart Bles and -- Bart Bles and

2:48:042:48:13

the Lloyds -- Bart

2:48:132:48:16

this has upset many people who

transferred their accounts to Lloyds

2:48:192:48:28

after the previous closures, and

this will have a real impact on many

2:48:282:48:31

people. There are three concerns I

would like to highlight, firstly if

2:48:312:48:38

Lloyds proceed with their closure

there will be no cashpoint available

2:48:382:48:41

in the town centre with 20 four

sevenths access, and Bungay has

2:48:412:48:50

three street fairs each year which

brings a lot of business into the

2:48:502:48:54

town, an estimated 1500 people came

at Christmas and there were long

2:48:542:48:57

queues at the Lloyds cashpoint, and

many of the traders go to these

2:48:572:49:02

street fairs only handle cash and if

it is not available locally then

2:49:022:49:06

there is a real worry that these

fares which add so much to the

2:49:062:49:10

vibrancy of the town will suffer.

Secondly, it is important to

2:49:102:49:15

emphasise that many businesses both

in the towns and countryside still

2:49:152:49:19

use cash and cheques and the lack of

immediate access to cash and deposit

2:49:192:49:25

points will in the short term at

least cause considerable

2:49:252:49:29

inconvenience and added expense.

From my own experience as a partner

2:49:292:49:33

in a local family farm I would

comment that for several farmers the

2:49:332:49:38

easiest way to handle payments from

the grain merchant is still through

2:49:382:49:43

checks and rents from small

businesses for farm buildings and

2:49:432:49:49

workshops are quite often still paid

by cash. It should also be pointed

2:49:492:49:54

out that the change to internet

banking in rural areas will require

2:49:542:49:58

considerable improvement in

broadband connectivity which is an

2:49:582:50:03

issue we have heard throughout this

debate. The third one, the lack of a

2:50:032:50:10

bank in Bungay were fact the town's

ability to draw in customers on the

2:50:102:50:14

surrounding -- will effect. Lloyds

are redirecting customers and what

2:50:142:50:21

this means is that people who came

to Bungay, say, once a week to go to

2:50:212:50:27

the bank and do their shopping, they

might now do all of this in tackles.

2:50:272:50:35

-- Beccles. I asked Lloyds to

reconsider their decision, and it is

2:50:352:50:41

appointing I have not had a response

from them though hopefully this

2:50:412:50:45

means that they are giving the

matter serious consideration -- it

2:50:452:50:48

is disappointing. With regard to the

closure of NatWest in Beccles I had

2:50:482:50:54

a meeting with them last month and

whilst I'm disappointed with their

2:50:542:50:56

decision they took me through in

some detail as to why they have

2:50:562:51:02

reached the decision to close the

branch and how they are now engaging

2:51:022:51:05

with their customers. By prepared to

work with the local community and as

2:51:052:51:10

well as the mobile bank and working

with the post office they have plans

2:51:102:51:19

for a community banker who would

have set days in the town possibly

2:51:192:51:23

at the library and in the town hall.

I've mentioned the closure of Lloyds

2:51:232:51:27

in Bungay would mean there is no AGM

available and it is necessary to

2:51:272:51:34

make sure there's is a good network

of cashpoint across rural Britain. I

2:51:342:51:44

urge the government to support the

FSP campaign to get the payment

2:51:442:51:49

system regulator to make sure they

are suitable measures in place to

2:51:492:51:56

guarantee the consumers can easily

access their money without charge.

2:51:562:52:00

As I've mentioned, it is important

that the measures are introduced

2:52:002:52:05

that can help avoid a situation

where towns are left without a

2:52:052:52:10

single bank and this could be done

in a variety of ways, in particular

2:52:102:52:15

building on the post office network,

which generally has a better rural

2:52:152:52:20

rich than that of high-street banks,

and the policies put in place first

2:52:202:52:26

by the coalition government and the

current government, have been

2:52:262:52:30

successful in making the post office

network more resilient. In Bungay

2:52:302:52:35

the post office is in the newsagents

and there's a drawback of lack of

2:52:352:52:38

space. In towns which are at risk of

having no bank I would suggest the

2:52:382:52:44

consideration should be given to

providing additional funding to put

2:52:442:52:48

in place a more substantial post

office branch. Ultimately I would

2:52:482:52:52

look for this to be funded by the

banks. Alternative options that

2:52:522:52:56

could be considered our mutual

societies and pop-up banks where the

2:52:562:53:02

high-street banks join together to

sustain a presence in the town. In

2:53:022:53:09

conclusion Bungay was a pioneer of

provincial banking with a precursor

2:53:092:53:14

of Berkeley 's -- Barclays Bank

opening a branch in 1908, and menus

2:53:142:53:23

on it will be a very sad day if the

town no longer has its own bank --

2:53:232:53:28

over a hundred years on. We have to

make sure this does not happen.

2:53:282:53:35

Thank you very much. It is a great

pleasure to follow the member for

2:53:352:53:45

Waverley, and the member for Bury

North and other contributors to this

2:53:452:53:48

debate but I would like to pay

thanks in particular to my friend

2:53:482:53:52

the member for Stoke-on-Trent North,

I was intrigued by the description

2:53:522:53:59

of her first experience of banking,

remembering as I did my wonderful

2:53:592:54:04

cheque-book with a nice colourful

kingfisher on. Thanks as well to the

2:54:042:54:11

member for Hazel Grove who also

secured this debate. I have to say,

2:54:112:54:19

I am completely fed up, my

constituents are fed up and many

2:54:192:54:23

businesses in my constituency are

fed up as well, and the reason we

2:54:232:54:29

are fed up is that we are

considering sea of 240 square miles

2:54:292:54:33

and we have a total of one bank

branch left. -- we are a

2:54:332:54:39

constituency for. I don't know what

happened about the rhetoric of the

2:54:392:54:49

last bank, but that did not happen

in areas like mine and it is not

2:54:492:54:54

happening in great areas of the

country. I welcome the banking

2:54:542:54:58

protocol, and the cross-party group

of members of this house, we went to

2:54:582:55:02

see Professor Grix about that and I

welcomed it and I welcomed many of

2:55:022:55:06

the suggestions in it. I welcomed

the fact that the protocol

2:55:062:55:11

highlighted the need for the

collection of cash from businesses

2:55:112:55:20

and the coordination of that, and I

welcomed many of the things in that

2:55:202:55:23

voluntary code but what strikes me

is that there is not enough that has

2:55:232:55:29

happened since and it certainly has

not halted the closure of bank

2:55:292:55:34

branches. In 2016 the last of the

two banks to close, at that time,

2:55:342:55:47

myself and a staff member took it

upon ourselves to visit 126

2:55:472:55:50

businesses on the high streets.

2:55:502:56:02

Apologies to any constituents we may

have left out. As we went around, we

2:56:022:56:07

discovered the many issues facing

businesses on our high streets.

2:56:072:56:14

Earlier in the debate, some

reference was made to post offices.

2:56:142:56:19

I welcome, as someone who has worked

with local businesses, individuals

2:56:192:56:24

in my constituencies and post

offices, I welcome where

2:56:242:56:28

improvements have been made and I

also welcome the work the Treasury

2:56:282:56:32

has done on the standardisation so

we are not now in that daft position

2:56:322:56:36

we were in which was, it worked with

some bags for and things, it worked

2:56:362:56:43

with others for other things, it is

much more standardised and better.

2:56:432:56:48

There are Post Office branches where

that works magnificently. But there

2:56:482:56:51

are post Office branches where it

simply does not work, and it doesn't

2:56:512:56:57

work because if you are in the

middle of somebody buying a packet

2:56:572:57:00

of crisps and somebody buying a bar

of chocolate, and you have got your

2:57:002:57:06

banking transaction to deal with in

the middle, that is not a

2:57:062:57:09

sustainable solution. If we are

looking at developing the Post

2:57:092:57:14

Office in that way, that may be one

exciting option we can look at round

2:57:142:57:19

the country, and I know for a fact

the post offices are doing all sorts

2:57:192:57:24

of things, for instance, the work

they now do to make access for

2:57:242:57:29

credit union members, to access cash

in that way, I welcome that where it

2:57:292:57:35

works but we must look at what

provision is put in place where bank

2:57:352:57:39

closures happen. One member in this

debate spoke about when a bank

2:57:392:57:47

wishes to close, perhaps the

notification period should be

2:57:472:57:50

longer. I think there's a case by

that, but I also think into many

2:57:502:57:55

cases we know that when a bank

notifies its going to close a

2:57:552:57:58

branch, that is what it's going to

do. We can petition here to our

2:57:582:58:04

hearts content, we can say there can

be 38 degrees petitions, petitions

2:58:042:58:07

in this House, changed all

petitions, in fact we could even

2:58:072:58:12

invent our own website and have some

more petitions, but we know in most

2:58:122:58:16

cases it does not make one jot of

difference.

I thank the Member for

2:58:162:58:24

giving way. As the honourable member

agree with me that more time does

2:58:242:58:28

give people the ability to hone in

on their digital skills and that

2:58:282:58:32

banks have a role for that to make

sure people are prepared for the

2:58:322:58:36

closures, so whilst they may still

close, it does give people time to

2:58:362:58:39

prepare?

Indeed, and I would welcome

that. I think that's a very positive

2:58:392:58:45

point. But I think that when we look

at this issue as well, we have to

2:58:452:58:54

look at what the banks have been

saying to us. My honourable friend

2:58:542:58:59

spoke about some very commercial,

sensitive information she was not

2:58:592:59:05

allowed to have. I had a similar

experience because I also asked for

2:59:052:59:11

sensitive information like how many

people had accounts at the bank,

2:59:112:59:14

that was not something they could

tell me but better than that, I was

2:59:142:59:18

told that I asked how many people on

a typical week went in with queries,

2:59:182:59:22

I was told something

earth-shattering. I was actually

2:59:222:59:27

told that queries might not really

be queries. I asked what this meant.

2:59:272:59:31

I was told that if someone saw

someone going into the bank and

2:59:312:59:38

standing by the Cancer and asking a

question, that may not be a query. I

2:59:382:59:42

made the point that for the person

asking the question it was very much

2:59:422:59:47

a query. I was told of it was not a

formal transaction, it was not a

2:59:472:59:52

query. It is a parallel universe.

What I would say is as we move at

2:59:522:59:58

this juncture, we need to see what

on earth the banks plan to do next.

2:59:583:00:02

It is no longer, one honourable

member made the case about, first of

3:00:023:00:08

all we were fobbed off by being told

one could go to the next village,

3:00:083:00:12

the next town, it was all right, it

was just a walk down the road.

3:00:123:00:17

Something like an old-fashioned

countryside treasure hunt. You go

3:00:173:00:20

onto the next Post Office, then you

off to the next one. After that,

3:00:203:00:25

suddenly you realise you have to go

quite a long way to the next post.

3:00:253:00:31

This cannot be a way of dealing with

this problem. I also think of utmost

3:00:313:00:36

seriousness is what we do about the

issue of cashpoints and ATMs. I

3:00:363:00:41

think there are about 70,000 of them

in the country at the moment, and

3:00:413:00:46

the bulk of them are free to use. I

know at the start of 2016, the then

3:00:463:00:53

chair of the Treasury Select

Committee, Andrew Tyree, made the

3:00:533:00:56

point that it was of great concern

what would happen in terms of

3:00:563:01:00

charging for these cashpoints.

Potential closure and charging for

3:01:003:01:06

these cashpoints, Andrew Tyree made

the point then that if this was not

3:01:063:01:12

something, the ATM companies are

going to deal with, it is something

3:01:123:01:17

that this House needed to look at.

He rightly made the point that it

3:01:173:01:22

was going to affect people in rural

communities and people on low

3:01:223:01:28

incomes the most. That is of serious

concern. As far as I can see at the

3:01:283:01:32

moment, one of the problems with

what's happening with cashpoints and

3:01:323:01:36

ATMs, broadly speaking, the 38 or

however many banks that are part of

3:01:363:01:41

the ATM network are having a little

scrap. As they knock metaphorical

3:01:413:01:47

spots off each other, each deciding

they are all paying too much, it is

3:01:473:01:51

the customer that is losing out.

Thank you for giving way. The

3:01:513:01:58

honourable member may not be aware

that actually the price of an

3:01:583:02:01

average transaction has not gone up

for nine years, it is not costing

3:02:013:02:05

the banks more money, they just

don't want to pay for it any more.

I

3:02:053:02:09

think the average, where there are

charges, I think the average on a

3:02:093:02:15

single transaction is £1.70. That is

seriously concerning, that we are

3:02:153:02:21

not looking more at free access to

cash. I think that is a basic right.

3:02:213:02:28

We do not say this about drinking

water. We do not say this about many

3:02:283:02:33

other things. It is nonsense that we

are in a situation where we are

3:02:333:02:36

prepared to let these banks charge

money for us to basically go to a

3:02:363:02:42

cashpoint, and that undoubtedly will

hit hardest in poorest communities.

3:02:423:02:48

I'd like to pay credit to some

examples in my constituency of where

3:02:483:02:57

people are fighting against that. I

can think of in con when town

3:02:573:03:02

Council, the businesses that, it's a

wonderful town, con win. I do not

3:03:023:03:06

know if members have visited, it's

fantastic. I do not know if you have

3:03:063:03:12

been on the steam train, sorry. It's

a wonderful place for tourism. It

3:03:123:03:19

has wonderful local businesses,

there they want to really develop

3:03:193:03:22

community banking and look at that

in a very real way. People are

3:03:223:03:25

adapting, we are not expecting

Captain Mannering and Sergeant

3:03:253:03:31

Wilson to come back, we are not

expecting to go back to a previous

3:03:313:03:35

Iraq but what we do need is a type

of banking that works for us, a type

3:03:353:03:39

of banking that works for

communities like those in my

3:03:393:03:44

constituency and others across the

country. What we need to do is for

3:03:443:03:47

the government to step in if the

banks or the ATMs are going to start

3:03:473:03:53

this mechanism of charging, of

closing the banks, we need the

3:03:533:03:56

Treasury to be tough on them. We

must stand up to them because at the

3:03:563:04:00

end of the day, the world's local

banks and other local banks, if they

3:04:003:04:05

really mean anything by community

banking, they must mean it

3:04:053:04:08

nationwide.

It's a great honour to

follow the honourable member for

3:04:083:04:17

Clywd South. I would like to

congratulate also the honourable

3:04:173:04:22

member for Stoke-on-Trent North and

Hazel Grove for securing the debate.

3:04:223:04:26

Technology has been used to

modernise the banking sector for

3:04:263:04:30

decades, and as an industry, banking

has seized the opportunity to use

3:04:303:04:34

technology to mostly improve the

customer experience wherever it is

3:04:343:04:37

arisen. In the 90s, I worked as a

technology procurement manager for a

3:04:373:04:42

bank and during this time, we

upgraded the bank infrastructure.

3:04:423:04:47

Thinking back, the introduction of

the ATM network would have been one

3:04:473:04:51

of the first steps away from

personalised face-to-face banking,

3:04:513:04:54

but what would we do without them?

The answer is, we could not do

3:04:543:04:58

without them, so I could not agree

more with the honourable member for

3:04:583:05:02

Clywd South that it is important as

we do face changes in our banking

3:05:023:05:07

industry that the ATM network and

free access to the ATM network is

3:05:073:05:12

preserved. Throughout the country.

The revolution in thin tech has

3:05:123:05:16

forced another change in the banking

model, as banks no longer collect

3:05:163:05:21

the income of merchants and disburse

the cash to individuals. Our

3:05:213:05:26

behavioural patterns have changed

with technology. In 1988, we have

3:05:263:05:29

over 20,000 bank branches in the UK.

25% of adults were paid in cash. In

3:05:293:05:37

many respects, cash has had its

heyday. Now accounting for less than

3:05:373:05:42

50% of transactions, we have seen a

decline of 11% between 2015 and 2016

3:05:423:05:47

alone. Cash may still be king about

its crown is certainly snipping.

3:05:473:05:53

This trend is set to continue.

Already 6% of the population rarely

3:05:533:05:59

use cash, young people in particular

but by digital payment methods such

3:05:593:06:03

as card, online and mobile banking.

The model of branch banking as a

3:06:033:06:10

conduit for cash movements therefore

needs to change to ensure banks

3:06:103:06:13

remain commercially viable. The

speed of change has surprised many

3:06:133:06:18

communities and with the uptake of

digital banking being relatively

3:06:183:06:23

recent, it is important that

adequate notice is given when

3:06:233:06:25

changes are made to local banking

services. In 2012, at least one of

3:06:253:06:32

our major banks had no major mobile

users at all, today there are more

3:06:323:06:37

logins to mobile banking per day

than via the web. Meanwhile the

3:06:373:06:43

average branch bank customer will go

to the bank to three months. Branch

3:06:433:06:49

closes throughout the nation are

largely in response to decline in

3:06:493:06:52

demand. In my constituency, Barclays

Bank in East Woodring closed citing

3:06:523:06:56

a fall in transactions. However they

have identified 80 customers who

3:06:563:07:03

exclusively use the branch services

for their banking needs and these

3:07:033:07:06

people need to have alternative

provisions put in place. It is

3:07:063:07:11

important that closing banks get in

touch with customers and advise them

3:07:113:07:16

about all the other services

available online, via telephones or

3:07:163:07:20

mobile banking. But many banks to go

by on this and offer training and

3:07:203:07:25

support to customers, especially the

elderly and most vulnerable,

3:07:253:07:28

ensuring they are not excluded by

the shift to digital services. Like

3:07:283:07:33

everybody else in this discussion, I

am concerned there is an increased

3:07:333:07:38

risk of financial exclusion due to

either a lack of digital know-how or

3:07:383:07:42

access to technology. For many,

especially older members of society,

3:07:423:07:47

personal banking is something they

greatly value. In many cases, the

3:07:473:07:50

alternatives are not suitable. We

need to make sure these customers

3:07:503:07:55

know that the Post Office offers

branch banking services for all

3:07:553:07:59

major high street banks. They can

facilitate all the things they do in

3:07:593:08:05

a bank, traditional cash and cheques

services, and this is a good

3:08:053:08:10

alternative is over 98% of the

population lives within three miles

3:08:103:08:13

of one of our 11,600 post offices

nationwide and that makes up

3:08:133:08:18

Europe's biggest retail network. The

structure of community services are

3:08:183:08:24

changing, with traditional high

street names consolidating into

3:08:243:08:28

shared services. And becoming a

community hub is important. In

3:08:283:08:33

Chichester, the Post Office has

managed this well, collaborating

3:08:333:08:37

with retailers like me corner shops

and book shops, and this is a

3:08:373:08:43

win-win for sustainability, many

people in this House would have been

3:08:433:08:45

involved in debates about Post

Office closures in the past. We must

3:08:453:08:48

make sure the network of

face-to-face services is secured in

3:08:483:08:54

some way, and I believe the post

offices are a good alternative. It

3:08:543:08:59

is important that these are well

designed as has been mentioned, I

3:08:593:09:04

recently visited the new Chichester

Post Office which is co-located with

3:09:043:09:08

the Sussex stationers and book

shops. Here there are seats

3:09:083:09:11

available for those who can't kulak

or stand for a long time, is laugh

3:09:113:09:15

on hand to assist people using

self-service kiosks, all waiting for

3:09:153:09:20

those who are waiting to use a

cashier, which are similar to the

3:09:203:09:23

old bank branches with privacy that

is provided and needed. I believe

3:09:233:09:29

this is the right model, but these

new post offices must be well

3:09:293:09:35

designed and perhaps more can be

done to promote best practice and

3:09:353:09:38

best practice design. The government

has made significant strides to

3:09:383:09:44

improve both mobile and broadband

coverage with 95% of households now

3:09:443:09:48

able to get superfast broadband.

Alas, in rural areas such as my own

3:09:483:09:53

constituency many still suffer from

areas of poor connectivity with some

3:09:533:09:57

ranking in the worst 10% across the

country. As we rely more and more on

3:09:573:10:03

digital banking services, blanket

connectivity is becoming

3:10:033:10:05

increasingly important and we must

continue our investment in digital

3:10:053:10:09

connectivity to mitigate the impact

of branch closures. And to allow

3:10:093:10:14

people to utilise the technology of

today. It's clear that for some of

3:10:143:10:19

the older generation, the digital

era will already have all but passed

3:10:193:10:24

them by, and expecting them to bank

digitally is simply not realistic.

3:10:243:10:28

In cases such as these, the post

Office must be advertised as the new

3:10:283:10:33

place for local face-to-face

banking. I am concerned that banks

3:10:333:10:37

may be reticent to advertise Post

Office banking as indeed they may

3:10:373:10:40

also compete in some areas. All

businesses must adapt to stay ahead

3:10:403:10:46

of the game. The major banks are

under increasing pressure to

3:10:463:10:50

modernise their services with new

entrants destructing banking models

3:10:503:10:53

for businesses and individuals.

3:10:533:11:01

To keep our major banks, customers

had to move to a more digital model

3:11:013:11:08

of working, and changes in the

banking sector have revolutionised

3:11:083:11:11

the way we do business and the way

we handle our personal finances and

3:11:113:11:15

overall I believe these have been to

the benefit of society. The advent

3:11:153:11:20

of the microchip, internet and

mobile services have altered many of

3:11:203:11:24

our industries and banking is no

different. Banking practices have

3:11:243:11:28

had to change to remain commercially

viable and invest in digital banking

3:11:283:11:32

platforms which has made life easier

for most of us but we must take care

3:11:323:11:37

of those who are not willing or able

to use the services, these

3:11:373:11:41

individuals must be informed of the

other service providers like post

3:11:413:11:45

office it to -- post offices and

banks that are closing have a moral

3:11:453:11:54

obligation to do so for these people

put up.

Congratulations to the

3:11:543:12:05

members who secured this debate, and

by the end of June this year four

3:12:053:12:10

bank branches will have closed in my

constituency of Sedgefield. NatWest

3:12:103:12:13

are closing two branches and

Santander have closed their branch,

3:12:133:12:21

which is across the street from the

NatWest branch which has closed and

3:12:213:12:26

Barclays are closing their branch in

Sedgefield village. This recent

3:12:263:12:32

round of closures will deprive every

community in my constituency of a

3:12:323:12:36

bank branch except one which will

still have a Halifax, Barclays and

3:12:363:12:43

TSB were mainly, that is the biggest

town in the constituency with about

3:12:433:12:46

30,000 people. The local post office

still operates in these communities

3:12:463:12:52

and offers banking facilities but

when you want to discuss issues

3:12:523:12:58

relating to your banks, like

mortgages and loans, such failures

3:12:583:13:01

for a rural constituency and the

surrounding villages and hamlets,

3:13:013:13:10

the bus network is not what it

should be and it is difficult to get

3:13:103:13:13

around if you don't have a car or

other means of transport. Most

3:13:133:13:17

banking is now done online but there

are still those in our communities

3:13:173:13:25

who need to be able to walk into

their local bank branch because they

3:13:253:13:28

are not online and don't have access

to a telephone, especially the

3:13:283:13:32

elderly foot -- elderly

3:13:323:13:38

many banks have acknowledged these

concerns. NatWest will be deploying

3:13:393:13:48

mobile banking services to reach out

to customers, when a branch has

3:13:483:13:50

closed. Other banks have pointed out

that the way people do their banking

3:13:503:13:56

has changed radically over the last

few years and NatWest told me the

3:13:563:13:59

number of people using their bank

branch network has fallen by 40%

3:13:593:14:07

since 2014 and in the same period

mobile transactions have increased

3:14:073:14:12

by 73% and in the first half of 2017

1.1 billion mobile and online

3:14:123:14:21

transactions were carried out by

NatWest customers. In the NatWest

3:14:213:14:25

branches in my constituents 88% of

customers and 89% of their customers

3:14:253:14:35

in the two branches of banking other

ways for the transactions have

3:14:353:14:40

fallen by 33% and 34% in the

branches and in both branches the

3:14:403:14:43

number of customers has fallen to

between 60 and a hundred each week

3:14:433:14:50

but customers who use the branches

always say they are busy and so the

3:14:503:14:55

reality seems to be different from

how the customer sees it to the

3:14:553:15:01

bank. With Santander, they say 91%

of customers use other means of

3:15:013:15:08

banking besides walking into the

local branch and 45% use other

3:15:083:15:14

branches and 45% use online banking

and their mobiles. Barclays in

3:15:143:15:18

Sedgefield village, I used to live

near their and I could remember

3:15:183:15:24

they're always been a Barclays Bank

in Sedgefield. There had been one in

3:15:243:15:30

Sedgefield in that same building for

nearly a hundred years. But now they

3:15:303:15:35

say 74% of their customers use other

forms of banking and 5000 customers,

3:15:353:15:42

22% use the branches gruesomely for

their banking, and Barclays have

3:15:423:15:49

identified 250 people who had they

have considered vulnerable and they

3:15:493:15:53

said they are proactively contacting

them to assist with their future

3:15:533:15:55

banking needs. The number

transactions at the branch has

3:15:553:16:00

fallen by 17% and in the region it

has gone down by 12%. I believe

3:16:003:16:05

banks like Barclays and NatWest and

others who are closing branches

3:16:053:16:11

should report how many of those

vulnerable customers they have been

3:16:113:16:14

able to retain or have gone to other

banking mechanisms and systems, so

3:16:143:16:21

that they haven't ended up

financially excluded. So we can take

3:16:213:16:26

a snapshot of how me people are

becoming financially excluded

3:16:263:16:29

because of the closures. I will give

way.

Thank you. Would he agree with

3:16:293:16:39

me that the number of closures right

across the UK, and some very often

3:16:393:16:46

elderly constituents, those who are

disabled, they are badly affected,

3:16:463:16:50

and soon there will be no banks and

we will be resorting to putting

3:16:503:16:58

money under the bed as we did my

grandmother's day, the humanity has

3:16:583:17:06

gone out of banking.

Yes, you make a

good point, there does have to be a

3:17:063:17:12

social conscience in banking and he

doesn't have to be just -- and it

3:17:123:17:18

doesn't just have to be sorted out

by the public sector, it has got to

3:17:183:17:23

be sorted out by the private sector,

as well. There is a growing trend to

3:17:233:17:26

do banking by mobile phone and

online, and we can't deny that, and

3:17:263:17:33

Barclays have pointed out that on

average their customers use mobile

3:17:333:17:36

banking more than 28 times a month

and visit a branch less than twice a

3:17:363:17:41

month and the bank carries a 12

digital transactions are second and

3:17:413:17:46

says 24 branches are using video

banking, as well, so this phenomenon

3:17:463:17:56

is happening across mainland Europe,

as well. According to data from the

3:17:563:18:00

House of Commons library by the end

of 2016 the number of bank branches

3:18:003:18:04

in Germany have fallen by 32,000, a

reduction of nearly 6%, and in

3:18:043:18:11

France where there had been robust

opposition to bank closures, but

3:18:113:18:21

they have still announced the

closure of 26% of their bank

3:18:213:18:27

network, that is society general,

but the French bank network is still

3:18:273:18:35

extensive with six branches per

10,000 head of population which is

3:18:353:18:39

the highest figure in the EU. Spain,

since 2012, has closed 10,000

3:18:393:18:46

branches between 2012 and 2016, so

banking is changing driven by

3:18:463:18:51

technology which is convenient to

the vast majority of customers. I

3:18:513:18:54

would like to address two areas of

concern, what more can the

3:18:543:19:02

government do and what work will

they undertake with the financial

3:19:023:19:06

sector to encourage banks to look

after their vulnerable customers so

3:19:063:19:09

they are not left behind. There is a

wider question, real areas like

3:19:093:19:15

County Durham are seeing the

destruction of rural bus services

3:19:153:19:18

and there are issues around

broadband provision and customers

3:19:183:19:23

being able to access the internet

and therefore online banking in the

3:19:233:19:27

first place. The closure of bank

branches highlights a key problem

3:19:273:19:32

that is now facing our town centres

and the future of a town centre in

3:19:323:19:41

my constituency has been

controversial for many years. The

3:19:413:19:45

owner of the town centre have

invested in the centre, but the

3:19:453:19:49

closure of two bank branches will

add to the number of already vacant

3:19:493:19:52

shops. This isn't a story reserved

for my constituency but is town

3:19:523:19:59

centres throughout the country and I

would suggest town centres need to

3:19:593:20:02

be more leisure focus with more bars

and restaurants and coffee shops.

3:20:023:20:08

Where people are more likely to shop

online, of course. Many retailers

3:20:083:20:16

are cutting jobs and issuing profit

warnings and I would make this

3:20:163:20:21

request to the banking sector, you

can change or off on the high stick

3:20:213:20:26

at how can you make a physical bank

present more affordable and

3:20:263:20:31

accessible -- you can change your

offer on the high street. You could

3:20:313:20:38

have a bank branch within a cafe,

for example. The closures of banks

3:20:383:20:42

does not happen in isolation and

they affect vulnerable people and

3:20:423:20:47

the town centres and communities and

our ways of life and what the banks

3:20:473:20:53

have got to remember, although there

is a trend of new technology, there

3:20:533:20:59

are people who could be left behind,

and there is a life off-line as well

3:20:593:21:03

as online. I ask that they think

creatively because they also have a

3:21:033:21:10

social obligation to their customers

and not just to their bottom line.

3:21:103:21:17

We have seen a debate this afternoon

of extreme unity between parties and

3:21:173:21:22

regions and countries and it is fair

to say that every MP in this house

3:21:223:21:27

is concerned about the rapid closure

of the banking network and I pay

3:21:273:21:34

salute to the lady from

Stoke-on-Trent North, because it

3:21:343:21:39

really has, it feels like we are

seeing rapid change in high street

3:21:393:21:42

banking at a rate that I'd never

seen before. The reason for that is

3:21:423:21:48

probably us, the consumer, we have

gone down the route that the banks

3:21:483:21:53

have encouraged, to go up the

contact list route, to use mobile

3:21:533:21:58

banking and internet banking and to

make our transactions not by check

3:21:583:22:01

any more, and first or you have got

to find your cheque-book which you

3:22:013:22:07

can't find in the new have to find

an and then a stamp. -- first of

3:22:073:22:11

all. We have all fallen probably

rightly to the ease and speed of

3:22:113:22:17

online banking and as the lady from

Chichester said very clearly, the

3:22:173:22:24

volume of cash transactions in

society is now below 50%, but even

3:22:243:22:31

though we have this advance of the

cashless society and I'm sure is an

3:22:313:22:34

advance that is warmly welcomed by

the Treasury so that most

3:22:343:22:39

transactions can be appropriately

taxed, it is going to be a very long

3:22:393:22:44

while, a matter of decades yet,

until cash is completely out of the

3:22:443:22:49

system. There are a number of cash

businesses and every constituency

3:22:493:22:54

would have them, and my fears are

that when banking facilities are

3:22:543:23:00

further and further away, the volume

and amount of cash might be to be

3:23:003:23:06

held by these businesses and by the

owners of these businesses in their

3:23:063:23:09

homes and perhaps in safes is going

to be a bigger and bigger amount and

3:23:093:23:15

with that there are security risks,

security risks for the staff that

3:23:153:23:19

are responsible for taking that cash

to an ever-increasing further away

3:23:193:23:24

bank. Of course.

One of the issues

that has been raised with my

3:23:243:23:33

constituents is community groups to

fund raised a big festivals, one day

3:23:333:23:38

they generate cash and unlike

businesses who might be able to

3:23:383:23:41

mitigate against some of these

issues, for volunteers, never having

3:23:413:23:46

done before, this is a huge issue

and the post office will only take

3:23:463:23:51

cash to buzzards of £2000 so it

makes it even harder for them. --

3:23:513:23:55

only take cash deposits.

You make a

perfect point, and the member for

3:23:553:24:04

South Downs made that point very

clearly, charities, when you have

3:24:043:24:09

grand County fairs you might have

temporary trade that will not have

3:24:093:24:14

the contact list facilities and it

will be a very cash -based business,

3:24:143:24:20

but also there are clubs and

societies who rely on cash and

3:24:203:24:24

cheques for the small transactions

between themselves

3:24:243:24:30

and it wasn't that long ago that if

I recall, an advert that said we are

3:24:323:24:41

open all the time, we are keeping

our branches, and it said we have

3:24:413:24:47

made our bank into a new trendy wine

bar, nicely many of these across the

3:24:473:24:55

country. By first bank account was

in Lloyds 32 years ago and that

3:24:553:25:00

branch had been there 50 years and

is now a quite nice Cypriot

3:25:003:25:07

restaurant -- my first bank account.

But it highlights the fact that the

3:25:073:25:12

network is disappearing. In

Broadstairs in the last year alone

3:25:123:25:16

we have lost NatWest, and Lloyds. As

the lady said before, I generated a

3:25:163:25:26

petition and very kindly the

regional director from NatWest came

3:25:263:25:33

to my offices and I delivered the

petition and I received the ball was

3:25:333:25:38

that we are consulting, but of

course the app, was determined

3:25:383:25:42

sometime before the petition was

even thought that -- I received the

3:25:423:25:46

warm words that we are consulting

3:25:463:25:49

even thought that -- I received the

warm words that we are consulting.

3:25:493:25:52

In Sandwich, in the last 18 months

and we have lost HSBC and Lloyds and

3:25:523:25:56

NatWest. And in those towns,

Broadstairs and Sandwich, we are

3:25:563:26:01

left with just nationwide. I pay a

particular salute them to staying to

3:26:013:26:07

some of their roots of services to

the community and they have

3:26:073:26:12

maintained their branch network.

3:26:123:26:24

I don't know what members

experiences are but whenever I

3:26:243:26:28

perceive that cheque. Our heart

sinks when they get one in the post

3:26:283:26:34

because we have to wonder to do

something with it and accuse seem as

3:26:343:26:37

long as it ever were. The post

office network is fantastic but it's

3:26:373:26:43

not always there and available.

3:26:433:26:54

3500 people live in Thanet and we

have had the post office closed.

3:26:563:27:08

Canterbury is 60 miles away and

Ramsgate is eight miles away. Why

3:27:083:27:17

don't we get onto mobile apps and

the Internet? That's all very well.

3:27:173:27:22

I do not want the elderly to be

forced into having to accept that

3:27:223:27:27

type of banking. Those who have

difficulties but the managing

3:27:273:27:34

independent living, they need help

with those type of banking

3:27:343:27:36

facilities. Now I think about my

father I don't want them to go on to

3:27:363:27:47

banking under any circumstances. It

is not uncommon that he will say to

3:27:473:27:51

me. I have an e-mail from Santander

and I don't even bank with them.

3:27:513:28:03

Those younger than me will be very

Internet savvy and will recognise

3:28:033:28:07

the banking scam e-mail but for many

of the elderly, they will not

3:28:073:28:12

recognise it and may respond to it

and give up their Internet banking

3:28:123:28:15

details. I don't want to carry on

for too long. It's up to the

3:28:153:28:29

government to do something. The

government should do this and that

3:28:293:28:36

and we see this on the order paper

on a daily basis. This is not for

3:28:363:28:42

the government to do things. It can

help to inform the debate but what

3:28:423:28:47

this debate this afternoon by

members from all parties very loudly

3:28:473:28:53

and clearly to the banks is stop

what you are doing and start

3:28:533:28:56

thinking about the communities. Much

has been said about the opportunity

3:28:563:29:03

for joint banking facilities.

Premises cost a lot of money, has to

3:29:033:29:13

be heated, business rates, staff,

security they could be five major

3:29:133:29:20

banks coming

3:29:203:29:30

together banks, please extend your

availability of your mobile caravan

3:29:353:29:43

time, a regular banking facilities

that can go to our smaller

3:29:433:29:48

communities. I am still a bit of a

cash person, I still even go in the

3:29:483:29:57

bank and sign a cheque for cash. It

wasn't many years ago that the

3:29:573:30:04

cashier would say use the cash

point, I do use cashpoint spot that

3:30:043:30:08

I am passing bank I will often cash

a cheque. If I use a cashback, I'd

3:30:083:30:16

say do not put yourself out of a job

because of more and more of us do

3:30:163:30:20

that, you are signing the death

knell of this branch. We see it in

3:30:203:30:29

the cafes in this house. I am amazed

that some of the younger people who

3:30:293:30:33

work here, they will be using

contactless for a summer jam cup of

3:30:333:30:40

coffee for £1.90. I'm not like that

but I can see that my own level of

3:30:403:30:45

the using a card is diminishing as

years go by. My level at the moment

3:30:453:30:50

is about £20 and over, I will use

the card but I am getting

3:30:503:30:55

increasingly tempted under that £20

limit to go for the contactless

3:30:553:30:58

card. I would recommend that

members, we encourage our

3:30:583:31:06

constituents to get into your banks

that still exist and use those

3:31:063:31:09

counter facilities. The banks will

then not be able to say, we are

3:31:093:31:15

closing because we are not getting

used enough. The clarion call from

3:31:153:31:22

this chamber today, cross-party, has

got to be, banks, please stop, let's

3:31:223:31:25

think again, let's work together,

joint facilities, more mobile

3:31:253:31:32

caravan type banking facilities

going to our communities and we can

3:31:323:31:35

all do our bit by getting into the

banks and actually using them. It's

3:31:353:31:41

a pleasure to follow the honourable

gentleman I pay special attention

3:31:413:31:49

credit to the introducer of the

debate, the honourable lady for

3:31:493:31:54

Stoke-on-Trent North and giving us

an opportunity to make some

3:31:543:32:03

contributions. I have had five banks

close in my area, the latest one

3:32:033:32:07

hasn't closed yet but is going to

close and I want to make some

3:32:073:32:11

comment about that. Also for

Northern Ireland as well and said

3:32:113:32:18

clearly the bank closures aren't

just in one of the United Kingdom,

3:32:183:32:22

they are in all of the regions and

others have said that than others

3:32:223:32:26

will follow will say that. I

represent the most beautiful

3:32:263:32:33

constituency to the best of my

ability. . Everybody knows that

3:32:333:32:40

nobody doubts that.

3:32:403:32:43

I'm blessed to wake up with a

beautiful view. I'm blessed to have

3:32:463:32:56

50 mile journey that takes me to my

constituency office.

3:32:563:33:08

We have rural and town centres. The

bank of Ireland and the first trust

3:33:093:33:18

bank closed on either side of the

peninsula and we have had banks

3:33:183:33:25

close but closed years ago. Trying

to buy the -- try to fight the

3:33:253:33:35

closure. We are meeting with the

Ulster bank officials and, with

3:33:353:33:39

ideas on how we are going to... We

can't stop the closure but some

3:33:393:33:45

ideas as to how we can make it

easier. It seems to be the latest

3:33:453:33:51

banking sad, close the smaller

branches, centralise everything, it

3:33:513:33:55

doesn't matter how much it affects

customers it is how much they can

3:33:553:34:02

make for shareholders. I'm

highlighting the Ulster bank, I want

3:34:023:34:06

to make it clear, when it with the

officials for the Ulster bank about

3:34:063:34:11

an open and frank discussion about

the proposed closure, the bank said

3:34:113:34:16

it was closing and nothing would

change the decision, which was

3:34:163:34:19

disappointing because your purpose

of having meetings is to try to

3:34:193:34:21

change opinion ever mindful there

are others at a different level are

3:34:213:34:27

making decisions. To outline the

need for the branch to remain for

3:34:273:34:31

the needs of the rural community and

those who are really isolated as

3:34:313:34:34

well as a need. Farmers, fishermen,

they banked at the Ulster bank for

3:34:343:34:43

many years and businessmen in the

villages that stroll down to the

3:34:433:34:47

bank and an elderly population who

looked upon the bank is more than

3:34:473:34:50

just a bank because they had a

relationship with the people in the

3:34:503:34:53

bank. Those were lost and we have a

credit union that started up and

3:34:533:34:58

falsely it can fill some of that

vacancy but cannot fill itself of

3:34:583:35:02

the nature of what they do. A real

concern that these decisions have

3:35:023:35:06

been made by big banks look only at

the prophet of the bank and not the

3:35:063:35:10

profit across the province, so when

it comes to making decisions, rural

3:35:103:35:15

proofing has to be part of the

decision-making process and

3:35:153:35:20

hopefully when a minister responds

you can give us some idea in his

3:35:203:35:24

discussions with the bank, has he

been able to raise the issue of

3:35:243:35:29

rural proofing and how it affects

the rural community? The customers

3:35:293:35:32

who pay the same charges should

receive a service similar to the

3:35:323:35:37

customers in Belfast and this is not

the case. Once again, they are

3:35:373:35:43

isolated and a whiff of face-to-face

interaction which is an essential

3:35:433:35:46

part of the banking trade. We all

remember our introductions to

3:35:463:35:52

banking and the first loan at it

from the bank, I will not go into

3:35:523:35:55

detail here, the bank manager was

most accommodating. It was done very

3:35:553:36:06

quickly and his knowledge of knowing

you and knowledge of your parents,

3:36:063:36:11

probably, and solid banking over 40

years previous to that. I put

3:36:113:36:14

forward the case for the fishermen

and farmers, what will be offered to

3:36:143:36:21

help these valued customers. I'm

disappointed and annoyed, I was

3:36:213:36:24

somewhat grateful that is opposed to

walking away which many banks have

3:36:243:36:31

done, and had the too bad, so sad

attitude, this bank has committed to

3:36:313:36:35

leave behind service which will take

the form of one day we'd banking

3:36:353:36:41

caravan. That is an option that

could be used. We have secured a

3:36:413:36:46

bank once a week in the village,

which means the elderly can get down

3:36:463:36:52

and those can have an interaction.

They took the form of a community

3:36:523:37:03

bank. Not just the more well back, a

community bank they had the

3:37:033:37:07

interaction, working from an office

based business to help with

3:37:073:37:10

one-on-one issues. With the mobile

bank and with the community bank,

3:37:103:37:15

two things. They have been allowing

people to bank in the post office

3:37:153:37:23

for basic withdrawals unbalanced

checks. In the six months to the

3:37:233:37:28

closure of the bank there was a

dedicated staff member who help

3:37:283:37:31

people to better understand and use

the online banking system and damage

3:37:313:37:36

listed among the honourable

gentleman said because it happens

3:37:363:37:38

that there are ... The community

officer is available to fishermen

3:37:383:37:45

and farmers over a period of time to

make sure there is confidence in the

3:37:453:37:49

system. When there is confidence in

the new system, we have watched

3:37:493:37:55

people going into bank and explain

how the online service works. As

3:37:553:38:00

soon as I walked into that bank,

they were never going to use it.

3:38:003:38:04

That may soon as they walked into

the bank. They didn't know what the

3:38:043:38:07

purpose of it was and were confused

and there has to be more time spent

3:38:073:38:11

in relation to that. This is not the

outcome I hoped for but it is a

3:38:113:38:16

clear determination that customers

will not be abandoned and I thank

3:38:163:38:20

the bank for the long-term promises.

They made the same commitment to the

3:38:203:38:25

village on the other side of my

constituency and too many banks are

3:38:253:38:28

pulling, leaving customers who are

not confident with online banking

3:38:283:38:33

having no option other than to bank

in this way and that's the problem I

3:38:333:38:36

have, it doesn't suit everybody and

it needs to be some alternative for

3:38:363:38:40

many people. The issue I have with

this is that I've seen on the

3:38:403:38:45

customer services represents the

customer services representative

3:38:453:38:46

toxic customers, it is clear to me

that they are unhappy and unsure how

3:38:463:38:50

it works. The paper Trail of

banking, I like that and I can

3:38:503:38:55

remember, as others have said, when

my mother opened my bank account at

3:38:553:39:05

16 and give me £20 starter, which a

fortune in those days. In five or

3:39:053:39:11

six years I have £46 and I could I

and many car for £45. That will give

3:39:113:39:16

you an idea of how back it goes. We

thought we were rich and I was rich

3:39:163:39:21

because I got my first car and I had

been with the bank ever since. I

3:39:213:39:25

don't bank online and I couldn't

with my computer skills and a double

3:39:253:39:30

leave the bank should be enforcing

those on those who are not Internet

3:39:303:39:33

savvy and leave themselves open to

being victims of fraud as they don't

3:39:333:39:37

know how to protect themselves and

that's another thing we must

3:39:373:39:39

remember. Others have said it but

when somebody phoned up and says I'm

3:39:393:39:44

from whatever bank, can begin your

details, there are so many scams

3:39:443:39:47

going on and the elderly feel

vulnerable. We need to protect them.

3:39:473:39:52

It is something I have concerns

about, especially in my

3:39:523:39:55

constituency. We do not let children

Internet bank as the protect their

3:39:553:40:03

interests but the more computer

savvy than a 65-year-old fishermen

3:40:033:40:08

who we tried to enforce onto this

way. I'm coming to the end, I just

3:40:083:40:13

realised that the clock is marching

on. I recently spoke on the RBS

3:40:133:40:20

debate and look forward to the

response. I will make it clear, this

3:40:203:40:24

is not a witchhunt against the banks

but I have been impressed with the

3:40:243:40:31

Africa when they pull out of the

area and they have done that in some

3:40:313:40:34

of the areas in my constituency,

however a time permitted, I call for

3:40:343:40:43

a return to the old-fashioned cause

of truth, honesty, fairness, common

3:40:433:40:48

decency, integrity and transparency

in the whole of the banking

3:40:483:40:51

industry. A return for the bank

manager, who has an intimate

3:40:513:40:55

knowledge of his branch and the

people in it because he has not have

3:40:553:40:58

a glance of an online profile, stop

pulling managers and get to know the

3:40:583:41:02

people whose money you take.

3:41:023:41:09

Euro I call the compensation for

small businesses and resolution for

3:41:093:41:15

those... I understand banking is a

business and must be run as such but

3:41:153:41:20

when they put their faith into our

hands in this house, this is more

3:41:203:41:24

than simply a hand-out, this is for

something for us to look and see

3:41:243:41:29

what is happening and we must take

our duty very seriously. It is a

3:41:293:41:35

pandemic of rural bank closures and

it must be addressed and we have a

3:41:353:41:38

duty in this place to address it and

I intend to do so. And I know many

3:41:383:41:43

members wish to do the same. Thank

you.

Paul Sweeney.

Thank you for the

3:41:433:41:51

opportunity to contribute. It is

always a pleasure to follow the

3:41:513:42:07

member. I congratulate my friend,

the member for Stoke-on-Trent, for

3:42:073:42:14

securing this debate and speaking so

passionately and knowledgeably about

3:42:143:42:18

the issue, and also the member for

Hazel Grove fall so securing the

3:42:183:42:23

debate. -- for also securing. I have

grown up around community banks

3:42:233:42:32

given my mother's work in retail

banking her whole career and I

3:42:323:42:35

remember as a child being taken into

the vaults of the bank in the Bank

3:42:353:42:39

of Scotland in Charing Cross where

my mum worked and opening my scroll

3:42:393:42:45

saving -- squirrel Saver account. I

speak with great affection but I

3:42:453:42:51

also know how important community

banks are, especially to elderly

3:42:513:42:56

customers and vulnerable people

because they developed a close and

3:42:563:43:01

affectionate relationship with the

staff who know them well and know

3:43:013:43:03

what their needs are and can

accommodate them. It is a personal

3:43:033:43:07

interaction and builds a

affectionate relationship and a

3:43:073:43:11

long-term relationship with banks

which is usually the Bible for banks

3:43:113:43:16

-- hugely valuable for banks. It is

a shame to think that that bank I

3:43:163:43:25

mentioned is now a Starbucks, and so

this is something we really need to

3:43:253:43:31

challenge because this is

approaching a cliff edge in our

3:43:313:43:33

communities. My concern is that the

programme of bank closures in recent

3:43:333:43:39

years, it appears to target the

poorest communities in recent years,

3:43:393:43:44

well over a thousand branches

closing in the last two years alone,

3:43:443:43:47

and my constituency of Glasgow North

East where an employment is twice

3:43:473:43:52

the national average. --

unemployment. We have seen RBS

3:43:523:43:59

closures. And we have also seen the

closure of RBS branches in other

3:43:593:44:09

areas, and that is followed by the

closure of the Clydesdale bank. I

3:44:093:44:14

went down to see the Clydesdale bank

branch next to the shopping centre.

3:44:143:44:27

... It is a rapacious organisation

which basically mis-sells consumer

3:44:273:44:33

goods, outrageous rate of interest

and this is something we should

3:44:333:44:37

challenge. As more people are forced

out of commercial banking, into

3:44:373:44:43

these rapacious lenders, this has

got to be challenged.

Thank you for

3:44:433:44:50

giving way, he's talking about the

poorest communities being left by

3:44:503:44:53

the changes in banking and he is

absolutely right. These are some of

3:44:533:45:02

the wealthiest communities in

Scotland, three of the banks that

3:45:023:45:04

have been saved recently I in the

Scottish Secretary of State's

3:45:043:45:08

constituency and the government is

the majority shareholder in RBS and

3:45:083:45:14

so surely there is a role for them

to step in and have a look at these

3:45:143:45:18

deprived communities.

It is correct,

is one thing we don't see but I have

3:45:183:45:23

tried to piece together the

evidence, it is not nationally

3:45:233:45:26

recorded, but what is the density of

banking operations amongst the

3:45:263:45:30

poorest communities? The data is not

gathered on this issue. I know that

3:45:303:45:35

in parts of Springburn they fall

into multiple deprivation and that

3:45:353:45:42

is the bottom for unemployment and

health and housing indicators and

3:45:423:45:47

that seems to be the case with a lot

of branch closures. Maybe the

3:45:473:45:52

government could oblige banks to

provide the data as a matter of

3:45:523:45:55

national standards. Also, looking at

the contrast with the wealthiest

3:45:553:45:59

parts of the city, every major bank

is represented in that area, the

3:45:593:46:06

wealthiest postcode in Glasgow,

seven interesting contrast, banks

3:46:063:46:10

are withdrawing from the poorest

communities -- so an interesting

3:46:103:46:16

contrast. It paints a dismal

picture. It has been argued that

3:46:163:46:22

this is the reality of technological

change, more people using online

3:46:223:46:27

services but 2 million Scots do not

use online banking and they are

3:46:273:46:31

disproportionately older people who

are not familiar with the technology

3:46:313:46:36

and so we have got to look at the

rate of transition which is

3:46:363:46:39

practical in order to prevent the

harm to people in society. Over a

3:46:393:46:45

third of people using citizens

advice Scotland services have no or

3:46:453:46:50

limited internet access so think

about how they will access finance

3:46:503:46:55

and banking if their local

communities are affected by these

3:46:553:47:00

decisions by the major banks, and it

is not just given by technological

3:47:003:47:04

change. Of course the banking sector

is a huge driver of innovation and

3:47:043:47:11

we have seen huge ten logical

changes. -- technological. In 2016

3:47:113:47:21

it was a Scot James Goodfellow who

was inducted into the Scottish

3:47:213:47:25

engineering Hall of Fame for his

work in patenting the first ATM, and

3:47:253:47:33

that was in response to the major

banks to closing on Saturday

3:47:333:47:36

mornings and so they were trying to

find a means of using technology to

3:47:363:47:43

compensate for the desire banks to

close on Saturday mornings and that

3:47:433:47:46

is why the ATM came into being and

that is why it is so ubiquitous. We

3:47:463:47:49

have got to harness technology for

the public good and not just using

3:47:493:47:55

it as an excuse to ridiculously

disinvest from our communities at an

3:47:553:47:58

inappropriate rate. It is about

adopting the technological change

3:47:583:48:03

for the public good. I think when I

mentioned that the closures are not

3:48:033:48:11

just given by technological change,

we have got to look at the reality

3:48:113:48:14

of the banking sector, five banks

hold 85% of all current accounts in

3:48:143:48:20

the UK and if you combine each of

the commercial banking in this

3:48:203:48:24

country where you combine personal

banking services with commercial,

3:48:243:48:28

that is symptomatic of a difficult

sector to manage which has tightened

3:48:283:48:36

our national prosperity in the last

decade. -- threatened. It is one of

3:48:363:48:42

the most centralised banking sectors

in the world and as Adam Smith

3:48:423:48:45

mentioned it is recognised, the

profit seeking behaviour is contrary

3:48:453:48:50

to the common good and the creation

of national wealth and that is what

3:48:503:48:54

we should remember when we consider

this issue. In Germany there are

3:48:543:48:59

over 400 local savings banks and a

thousand cooperative run banks and

3:48:593:49:03

300 private commercial banks in

contrast to the five huge banks in

3:49:033:49:09

this country. They are providing

patient finance to consumers and

3:49:093:49:16

industry, and look back at the

innovation I mentioned regarding the

3:49:163:49:20

ATM, when James Goodfellow made his

speech after receiving that

3:49:203:49:23

induction to the engineering Hall of

Fame, he said it was a regret that

3:49:233:49:28

ATMs were invented in this country

but by not built and manufactured in

3:49:283:49:33

this country and we have not

benefited from the industrial

3:49:333:49:37

innovation in this country. This is

symptomatic of the banking sector,

3:49:373:49:42

we don't finance industrial growth

because we are seeking high risk and

3:49:423:49:45

high return profits in the city and

we are not looking at investing in

3:49:453:49:49

the real economy and that is the

contrast to the German banking

3:49:493:49:51

system. They have the largest

manufacturing sector in Europe and

3:49:513:49:59

the world, and they have a banking

system which looks at long-term

3:49:593:50:06

economic resilience. We see that in

the productivity where German

3:50:063:50:14

workers are producing in four days

what UK workers produce in five

3:50:143:50:16

days. We have got to grip this at

all levels and that is something we

3:50:163:50:22

need to address the that is why I'm

proud to stand here as one of the 39

3:50:223:50:27

cooperative members of parliament,

the largest group in Parliament ever

3:50:273:50:32

and the third-largest party group in

this house, and they have long

3:50:323:50:35

recognised the structural problems

in society and that is why our party

3:50:353:50:40

propose turning RBS into a mutual

owned by its members and run in a

3:50:403:50:43

not profit way. We also want to

create a legislative mechanism to

3:50:433:50:53

support the development of credit

unions in the UK, perhaps based on

3:50:533:50:57

the American act of 1979. The key

innovation which that act brought in

3:50:573:51:05

in America under the Carter

administration was to combat his

3:51:053:51:08

collation and access to credit for

low and moderate income committees

3:51:083:51:10

will stop -- combat the lack of

access. That is where the United

3:51:103:51:21

States essentially put a red line,

where banks were basically

3:51:213:51:28

blacklisting people, and that is

happening in this country albeit on

3:51:283:51:31

a Opec basis. -- opaque. Legislating

using that community reinvestment

3:51:313:51:41

act, could be similarly inclined. It

would apply a rating to the banks

3:51:413:51:48

based on the density of their

operation in poorer areas and

3:51:483:51:53

includes investment credit unions

meaning the credit union sector is

3:51:533:51:57

worth but billions of dollars and

compete on an equal footing with

3:51:573:52:02

commercial banks got up looking at

Santander, £11 billion five-year

3:52:023:52:08

commitment to support community

benefits in the US, but that does

3:52:083:52:12

not extend its American community

reinvestment activity to the UK

3:52:123:52:18

because there is no regular tea

imperative to do so. -- regulatory.

3:52:183:52:25

So banks are being withdrawn from

our most vulnerable communities. It

3:52:253:52:30

is the duty of the government to not

capitulate to free-market dogma, but

3:52:303:52:34

to control the market in the public

interest.

I'm delighted to

3:52:343:52:40

participate in this debate, although

I wish it were unnecessary, but I

3:52:403:52:46

wish to thank the member for

Stoke-on-Trent North for bringing

3:52:463:52:48

the debate forward and for her

rancid opening speech will stop --

3:52:483:52:54

comprehensive opening speech was the

speeches have shown there are common

3:52:543:52:59

concerns across the UK by the

stampede of the banks out of our

3:52:593:53:02

communities and we are concerned

about that. Of course we have at the

3:53:023:53:06

announcement of yet more bank

closures by RBS with a further 62

3:53:063:53:13

branches closed in Scotland,

although ten have been retrieved

3:53:133:53:16

after negotiations with the SNP

leadership. This does not go far

3:53:163:53:20

enough, it certainly doesn't... In a

moment. It's only doesn't do

3:53:203:53:27

anything for my constituency but I'm

not mean-spirited enough to not

3:53:273:53:31

recognise when progress is made. The

member for Berwickshire, I know he

3:53:313:53:37

would rather cut his head off and

give the SNP any credit for

3:53:373:53:42

anything, but I really do think that

on this case he should be a bit more

3:53:423:53:47

gracious because although he said

that this was as a result of

3:53:473:53:53

concerns expressed by all parties,

the fact is that around the

3:53:533:53:58

negotiating table was the SNP and

RBS and nobody else. So I do think

3:53:583:54:02

that the member might put that in

his pipe and smoke it.

LAUGHTER

3:54:023:54:10

I will not give way. You have put

the boot in and I have put the boot

3:54:103:54:17

back and we will leave it at that. I

would be disturbed if the fact that

3:54:173:54:24

UK Government despite being the

major shareholder in RBS has not

3:54:243:54:29

lifted a finger. He can chant from a

secondary position, given by his

3:54:293:54:37

hatred of the SNP, and his lack of

care for communities who have been

3:54:373:54:41

offered a reprieve, it really is

quite sad. It is concerning that

3:54:413:54:47

government despite being the major

shareholder in the RBS has not

3:54:473:54:51

lifted a single finger to encourage

or to force RBS to pause the closure

3:54:513:54:58

programme and carry out impact

assessments or consultations with

3:54:583:55:02

the communities affected.

Order. The

honourable lady has said she's not

3:55:023:55:12

giving way.

It is disappointing that

the UK Government on half of the

3:55:123:55:17

taxpayer has not lifted a single

finger to do anything to protect

3:55:173:55:22

communities affected by these bank

closures and whilst I'm disturbed

3:55:223:55:27

that UK Government was not consulted

about these closures as the major

3:55:273:55:32

shareholder, that is unfortunate and

raises questions. I'm pleased for

3:55:323:55:38

those communities whose banks have

been reprieved but it does nothing

3:55:383:55:42

for my own constituency who still

face the prospect of losing three

3:55:423:55:50

banks. Of course, closing the last

bank in town is something that this

3:55:503:56:00

bank has tried to disassociate

itself from, and it sounded good at

3:56:003:56:03

the time from the PR companies but

it hasn't bothered... No, I will not

3:56:033:56:08

give way. The member is being

extremely rude, driven not by

3:56:083:56:14

concern about banking communities

but by his hatred of the SNP, which

3:56:143:56:18

really is rather pathetic.

3:56:183:56:23

It sounded good to RBS when they

said that they would not close the

3:56:233:56:29

last bank in town but that has been

long abandoned. As a result, the

3:56:293:56:34

town in my constituency of around

16,000 people now faces the prospect

3:56:343:56:41

of losing its last bank and what we

have seen this week is that RBS is

3:56:413:56:45

not deaf to the uproar these

closures have given rise to. Their

3:56:453:56:51

public image lies in tatters but the

bank has opened the door and inch to

3:56:513:56:57

reprieve some branches and myself an

SNP activists who have been out

3:56:573:57:02

every weekend, Saturdays and Sundays

since after Christmas, collecting

3:57:023:57:07

Parliamentary petition signatures to

save our banks have collected

3:57:073:57:12

thousands of signatures, we now

propose to run at the door that has

3:57:123:57:16

been slightly opened and keep it

open wide to save our branches. We

3:57:163:57:21

will not be giving up in our quest

to save our banks. We've bailed out

3:57:213:57:25

the banks and it is now time they

lived up to their moral obligation

3:57:253:57:31

to our communities. In my own

constituency, if these closures go

3:57:313:57:35

ahead it will bring the number of

towns with no bank to six. And now,

3:57:353:57:45

shortly it seems RBS intent to add

how we need to do list and I don't

3:57:453:57:51

think any other constituency in the

UK has been so adversely, so cruelly

3:57:513:57:56

hit and the banks are stampeding out

of Ayrshire at a staggering rate.

3:57:563:58:01

People today have talked about post

offices picking up the slack, but

3:58:013:58:05

the range of services that banks

provide are not always available in

3:58:053:58:10

post offices and having a corner at

the back of a Spar supermarket is no

3:58:103:58:15

compensation for customers who will

get no prissy and not the same level

3:58:153:58:18

of services. It was only ten short

years ago when it was post offices

3:58:183:58:24

that were under attack and

stampeding out of our towns. I

3:58:243:58:28

cannot overstate the sense of anger,

the sense of betrayal felt by these

3:58:283:58:36

communities and similarly affected

communities across the UK. For a

3:58:363:58:39

bank which has been bowed out by the

taxpayer to secure its very survival

3:58:393:58:44

due to its own incompetence, a

Baghdad is still 73% owned by the

3:58:443:58:49

taxpayer is a bitter pill to swallow

and this pill is made all the more

3:58:493:58:53

bitter to swallow by the fact that

last year, this very bank paid £16

3:58:533:59:02

million in bonuses. The culture of

excess bonuses lives on what the

3:59:023:59:07

customer and the taxpayer continue

to suffer. The UK Government retains

3:59:073:59:11

all legislative and regulated powers

in respect of financial services, so

3:59:113:59:17

the UK Government does indeed have

the authority to call a halt, a post

3:59:173:59:23

to this devastating round of

closures whilst banks stakeholders

3:59:233:59:27

and the UK and Scottish governments

consider how best to take account of

3:59:273:59:31

the obligation to banking customers

and our communities. Whatever the

3:59:313:59:36

banks may say, they do have an

obligation to our communities, a

3:59:363:59:41

service obligation, a financial

obligation and a moral obligation.

3:59:413:59:45

Let's be clear about what these bank

closures mean. They mean that the

3:59:453:59:50

affected communities no longer have

access to data the essential banking

3:59:503:59:54

services. It means my constituents

must undertake a round-trip of 18.8

3:59:544:00:01

miles to access new so-called local

bank, many of them most of them I

4:00:014:00:06

would suggest we live on public

transport to do so. It means RBS

4:00:064:00:12

customers are being directed to the

next RBS which is a round trip or

4:00:124:00:17

12.8 miles away and Cal Winnie

customers are being on to take a

4:00:174:00:22

chip of 16.6 miles to visit their

new local branch and all of this is

4:00:224:00:27

before you get to the impact on

local businesses who are

4:00:274:00:32

increasingly finding themselves

without access tonight saves. If

4:00:324:00:34

they cannot bank their takings at

the end of the day, they must incur

4:00:344:00:40

an extra insurance charge for

keeping the cash overnight with all

4:00:404:00:43

the security applications that that

creates and these small businesses

4:00:434:00:47

are the backbone of our communities

and our local economies. They could

4:00:474:00:52

be a mistake, to leave a town with

their bag is financial and social

4:00:524:00:56

exclusion. I have been told by RBS

that the closures in my constituency

4:00:564:01:03

will be replaced by mobile banks.

That is not what constituents want.

4:01:034:01:07

These are not reliable and are not

disability compliant and Ari Poor

4:01:074:01:11

substitute for the presence of a

bank in our towns. We will continue

4:01:114:01:16

to fight these closures, we will

continue with a Parliamentary

4:01:164:01:21

petition signatures because RBS must

understand that the people of North

4:01:214:01:24

Ayrshire and Arran will not sit

quietly and take the poor treatment

4:01:244:01:30

that's been offered out to them and

I urge the Minister to use all the

4:01:304:01:34

means at his disposal as the

majority shareholder on behalf as

4:01:344:01:38

the taxpayer to sort this out and

ordered the banks to pause, consult

4:01:384:01:43

with communities and do the right

thing. This matter will not go away.

4:01:434:01:54

Can I firstly congratulate my

honourable friend for Stoke-on-Trent

4:01:544:01:59

North for securing the debate. It

has been a excellent debate. There

4:01:594:02:10

has been cross-party acknowledgement

and examples of the devastating

4:02:104:02:15

impact on all our communities of the

closures to branches of a variety of

4:02:154:02:19

banks, the impact on accessibility

has been a point well made. The

4:02:194:02:24

impact on individuals and

communities as the social market

4:02:244:02:29

foundation points out, 11% of the

population rely on using high street

4:02:294:02:35

bank branches and that is typically

the older and poorer parts of our

4:02:354:02:39

communities. This is an example of

where financial exclusion is a very

4:02:394:02:46

real problem up and down the country

and indeed 30% of the over 65

4:02:464:02:55

population, only 30% use online

banking. This is something of

4:02:554:03:02

particular importance in

constituencies like mine which is in

4:03:024:03:04

the top 20 of constituencies for

people over the age of 65 and a very

4:03:044:03:12

real concern and I should come back

later on to some of the examples of

4:03:124:03:17

what has happened in my

constituencies. Individuals and

4:03:174:03:20

businesses need banking services

that suit them, that suit their

4:03:204:03:24

needs. The British banking

Association acknowledges from its

4:03:244:03:28

own survey that 58% of people

surveyed believe that access to a

4:03:284:03:35

branch using a branch is important

to them and that 50% -- 57% say

4:03:354:03:44

face-to-face relationships with

their banks are imported. Those

4:03:444:03:47

figures go up for businesses, the

figures are 66% who find that these

4:03:474:03:56

to face banking is important. The

impact of branch closures is felt by

4:03:564:04:03

individuals in their personal

banking and for business banking as

4:04:034:04:07

wealth, with particular impact on

our high streets, communities and as

4:04:074:04:14

the Federation of small business

warns, it's a great worry for its

4:04:144:04:17

members, the way that many small

businesses now are struggling to do

4:04:174:04:22

their banking that they need. In my

constituency we have seen in the

4:04:224:04:28

last few years, closures of RBS,

TSB, the Co-op of HSBC and alongside

4:04:284:04:37

that, for those members who have

talked about the Post Office network

4:04:374:04:42

and the important role the Post

Office has to play in providing

4:04:424:04:46

banking services, we have seen

significant Post Office closures as

4:04:464:04:49

well and I don't see evidence of a

coordination between the banks and

4:04:494:04:53

the Post Office in ensuring that

post offices are providing services

4:04:534:04:59

in place of banks when their rock

closures. Just looking at one of the

4:04:594:05:04

three towns in my constituency, the

town where I live, we have seen

4:05:044:05:10

significant closures including

Barclays. The RBS there is now down

4:05:104:05:18

to two days, Monday and Friday,

which was pointed out to me by one

4:05:184:05:24

constituent and means for their

business where they have to thank

4:05:244:05:27

the takings every day, it is

hopeless. What do they do Tuesday,

4:05:274:05:34

Wednesday, Thursday? The NatWest

justification which is online and

4:05:344:05:37

anyone can see it for the closure of

its branch included that is only 3.4

4:05:374:05:43

miles to the nearest bank, which

again is hopeless if you cannot get

4:05:434:05:47

there by bus or by car. And for

again the many older people that is

4:05:474:05:53

completely out of the question. They

included in that document that they

4:05:534:05:59

consulted their local MP, said they

truly think that means it's OK

4:05:594:06:04

because they asked me if it was all

right to close the branch. I didn't

4:06:044:06:09

say it was OK. Turning to some of

the speeches we have had. We heard

4:06:094:06:18

from the number from Stoke-on-Trent

North. The vital function of

4:06:184:06:24

businesses depositing the day's

takings and the proposed closure of

4:06:244:06:28

the Link network and the impact that

would have. An intervention from the

4:06:284:06:33

member from Baltimore, he spoke of

NatWest closures and he now has a

4:06:334:06:40

constituency with only one bank in

it. Another made the point of the

4:06:404:06:47

lack of awareness of Post Office

services. My honourable friend from

4:06:474:06:52

Donovan made a very powerful case...

I'm sorry, my right honourable

4:06:524:07:03

friend made the excellent case for

creating sustainable community hubs.

4:07:034:07:12

She is working very hard on this

campaign as well as working hard to

4:07:124:07:17

achieve the recognition in this

place. My honourable friend from

4:07:174:07:23

Midlothian mentioned the bank

closures on all sides. No love was

4:07:234:07:31

forced on a couple of occasions, but

a very important point about the

4:07:314:07:36

very limited response being raised

by RBS to the concerns about those

4:07:364:07:42

closures. My honourable friend from

Bury North pointed out the key one

4:07:424:07:46

of banks impact in footfall and

trade for other local businesses. He

4:07:464:07:53

was right to raise the importance of

Labour's regional banking offer and

4:07:534:07:59

the opportunity it gives for

delivering community banking. My

4:07:594:08:02

honourable friend from clue itself

is another MP with only bank branch

4:08:024:08:08

to serve all of her constituents. My

honourable friend from Sedgefield

4:08:084:08:13

mentioned bus services and the fact

that many constituents of his do not

4:08:134:08:17

have access to the Internet or phone

as well as the impact on his town

4:08:174:08:21

centres. My honourable friend from

Glasgow North East spoke of the way

4:08:214:08:27

that banking closures hit the

poorest communities hardest and he

4:08:274:08:33

was right to quote the success in

Germany and how we might do well to

4:08:334:08:36

emulate and learn from what goes on

there. Because the impact of bank

4:08:364:08:43

branch closures are happening at the

same time as banks are making

4:08:434:08:47

healthy profits, and we have to

wonder who the customers are. And

4:08:474:08:54

whether the banks have lost sight of

the fact that it is the personal and

4:08:544:09:02

business banking customers who are

their customers and I always thought

4:09:024:09:04

that for a business, putting 1's

customers first was the way to

4:09:044:09:11

succeed in the way to operate.

Certainly a lesson island when I ran

4:09:114:09:15

a business and as the time, to put

public good ahead of short-term

4:09:154:09:21

profit. It is something that the

challenge of banks, whether that is

4:09:214:09:26

Metro or the bank of Dave, the

entrepreneurial report approach,

4:09:264:09:32

have demonstrated it is possible to

be successful in having a bank

4:09:324:09:37

branch. Is it time to see banks and

the financial services as a utility,

4:09:374:09:46

and essential public service that

delivers for customers, for high

4:09:464:09:51

streets, communities and small

businesses? Be regulated the

4:09:514:09:56

financial services sector now and if

this Government won't add to that

4:09:564:10:01

regulation by addressing this issue,

I can certainly tell the minister

4:10:014:10:05

that the Labour Party in government

will do so. We will approach it by

4:10:054:10:10

ensuring that no closure can happen

without proper local consultation

4:10:104:10:13

and crucially, without the approval

of the Financial Conduct Authority.

4:10:134:10:24

I couldn't finish that without

mentioning the honourable member who

4:10:244:10:29

mentioned RBS and the systematic

abuse, the intentional and according

4:10:294:10:33

to approach that RBS board

responsibility for small businesses.

4:10:334:10:40

Another reminder that the attitude

and approach of banks is not what is

4:10:404:10:45

needed by the customers. Government

must intervene it so that the banks

4:10:454:10:49

work for us. The banking access

protocol has not delivered as many

4:10:494:10:55

members pointed out. The impact on

communities, travel, the

4:10:554:10:59

environment, economies and

businesses by having fitful of the

4:10:594:11:06

lunar landing that happens in the

places without bank branches, 10% of

4:11:064:11:11

households don't have the Internet

and only 9% of small firms approach

4:11:114:11:15

their banks in 2016 for finance. All

of these add up as examples of why

4:11:154:11:22

and how the banking system is not

delivering. This isn't about

4:11:224:11:26

mastalgia of Captain Mannering, it

is about what is needed today, these

4:11:264:11:36

banking, personal business and

personal customers matter, service

4:11:364:11:40

matters, bank branches matter and

can be alongside the post office.

4:11:404:11:45

But if we put the public good first,

we can be successful. The voluntary

4:11:454:11:52

approach has not worked and the only

organisation that can ensure our

4:11:524:11:55

banking system delivers is

Government. Time to act.

Thank you.

4:11:554:12:02

I would like to firstly commend the

member for Stoke-on-Trent North and

4:12:024:12:09

Hazel Grove on securing this debate

and the bank bench business

4:12:094:12:13

committee for allowing it. We have

had a very lively debate, 16

4:12:134:12:17

contributions from backbench

members. This debate has rightly

4:12:174:12:23

aroused a lot of passion. I would

observe this is the third debate in

4:12:234:12:26

four weeks since I've been in post,

twice in Westminster Hall. I think

4:12:264:12:31

the banks will need to respond to

what they have heard, all over the

4:12:314:12:44

country, we have heard the case made

for banks to remain open. In my own

4:12:444:12:52

constituency, I will be meeting with

Lords bank tomorrow to discuss the

4:12:524:12:55

closure of Wilton bank, which is

scheduled for the 19th of March this

4:12:554:13:01

year. This is a very, very important

issue and I listen very carefully to

4:13:014:13:07

the observations from members across

the House over what Government

4:13:074:13:11

should do. It ranged from the member

for Thanet side who is very reticent

4:13:114:13:16

as he is to see Government get

involved committee member from

4:13:164:13:22

Sefton Central, in a very measured

speech, held out the prospect of

4:13:224:13:26

significant intervention from

Government. But I believe that there

4:13:264:13:32

is a role for Government in dealing

with this issue and in my remarks

4:13:324:13:36

know I want to talk about the

Government was an actions to support

4:13:364:13:40

those who require banking services

and the Government's commitment to

4:13:404:13:45

widespread free access to cash. I

want to address the banking standard

4:13:454:13:51

and I note the right honourable

lady's comments about the inadequacy

4:13:514:13:56

of that. And also be banking

services available at the post

4:13:564:14:00

office in terms of the concerns that

people have raised about the way

4:14:004:14:04

that that works. I will also address

the UK ATM operator links financial

4:14:044:14:11

inclusion programme. Madam Deputy

Speaker, I want financial services

4:14:114:14:16

that deliver for all customers up

and down this country, from

4:14:164:14:21

Salisbury high Street to the

farthest reaches of the Hebrides.

4:14:214:14:25

All honourable member will

appreciate that banking needs to

4:14:254:14:29

respond to the changing customer

behaviour, we have heard that

4:14:294:14:33

depicted very widely in this debate

this afternoon. Change which is

4:14:334:14:38

driven by the unrivalled speed of

innovation in the financial services

4:14:384:14:42

sector is not easy to remedy. How

many of us in this House regularly

4:14:424:14:49

use our local branch? How many of us

manage our finances online or

4:14:494:14:55

through our mobile phones?

Ultimately, what I have repeatedly

4:14:554:14:58

made clear in these four weeks I

have been in this place is that the

4:14:584:15:03

management decisions of banks are

made without intervention from

4:15:034:15:06

Government. I do hear the call from

the honourable lady from North

4:15:064:15:13

Ayrshire and Arran to intervene, I

think it is somewhat at odds when I

4:15:134:15:16

read about the fact that when we

come to look at Prestwick, where the

4:15:164:15:21

Scottish Government owns it

completely, that I am told from the

4:15:214:15:29

Scottish Government spokesman,

ministers have no role in the

4:15:294:15:31

operation of contractual agreements

made by the airport. There is an

4:15:314:15:36

inconsistency there. I think that's

really important that we acknowledge

4:15:364:15:40

that and the Government actually

acts through the regulator, and that

4:15:404:15:45

isn't a static dialogue. I've

already spoken extensively to the

4:15:454:15:51

head of the SCA and work can be

done. The Government believes these

4:15:514:15:57

firms have a responsibility to

minimise the impact of closures on

4:15:574:16:00

communities where ever possible and

that is why I am pleased to address

4:16:004:16:03

this motion today. The Government

already supports a range of measures

4:16:034:16:08

to protect access to banking

services in local communities in the

4:16:084:16:11

UK, but we must acknowledge this

change that has happened. Branch

4:16:114:16:16

footfall is following year on year,

down by a third since 2011. And the

4:16:164:16:23

number of banking at transaction has

risen massively to 932 million

4:16:234:16:30

transactions in 2016, an increase of

57% on the previous year. I don't

4:16:304:16:37

think... Government cannot resist

that, but what can we do? I want to

4:16:374:16:42

come to the banking standard, the

access to banking standard, because

4:16:424:16:47

the standard commits all major high

street branches to a series of

4:16:474:16:50

outcomes when they decide to close a

branch. There are three principal

4:16:504:16:55

obligations, banks will give

customers three months notice of

4:16:554:16:58

closure, I note the call from the

member for Chippenham, they are

4:16:584:17:03

tasked to extend that time period,

they have a responsibility as soon

4:17:034:17:09

as operationally ready, I notice in

RBS's is they give six months

4:17:094:17:12

notice. Banks will work with

customers after the announcement has

4:17:124:17:17

been made to ensure the note how and

where they can continue to bank. The

4:17:174:17:24

third point, vitally important,

banks are required to identify

4:17:244:17:27

vulnerable customers and ensure they

receive all the help they need. This

4:17:274:17:31

could mean helping customers get

online for the first time and to

4:17:314:17:35

demean it showing them the

facilities at the local. There is or

4:17:354:17:40

ensuring they have access to a

mobile branch, a telephone banking

4:17:404:17:43

service or a local free to use ATM.

Every bank will take a different

4:17:434:17:48

approach, but the principle is

standard is that the outcome for

4:17:484:17:52

customers will be the same. In July

2017, the lending standards board is

4:17:524:17:59

now responsible for monitoring and

enforcing the standard. It does have

4:17:594:18:06

the power to cancel or suspend the

registered firms registration and

4:18:064:18:10

give directions on the future

conduct. I will look carefully at

4:18:104:18:14

her remarks and how those matters

can be strengthened and see if there

4:18:144:18:18

is anything further that can be

done. This independent oversight is

4:18:184:18:25

welcome and an important addition to

the way the standard works. I want

4:18:254:18:28

to turn also to the issue of the ATM

network, and the post offices,

4:18:284:18:36

because I acknowledge the Government

has also made great strides in

4:18:364:18:42

bolstering over the counter banking

services available to customers at

4:18:424:18:46

the post office and an extra £370

million was announced in December to

4:18:464:18:50

support at work. UK banks and

building societies have reached a

4:18:504:18:54

new agreement with the post office

which has set the standard for the

4:18:544:18:58

banking services available in eight.

It ensuring a uniform level across

4:18:584:19:02

all the branches. These services can

include the ability to check a

4:19:024:19:09

balance as well as withdraw and

deposit cash using a debit card and

4:19:094:19:13

chip and pin or a preprinted peeing

in slip and deposited checks. There

4:19:134:19:18

is a cash deposit limit of £2000 by

the post office estimates this

4:19:184:19:23

covers 95% of all transactions. We

should not forget the 99.7% of

4:19:234:19:31

people now live within three miles

of the local post office and 93%

4:19:314:19:35

within a mile. At the autumn budget

in 2017, my predecessor wrote to the

4:19:354:19:42

post office and UK finance to ask

them to consider how they could

4:19:424:19:47

fulfil the aim is that they've set

out. Yesterday, I have written again

4:19:474:19:53

to impress on them... I will be

happy to give way.

Would the

4:19:534:20:00

Minister furnish us after this

debate with Will he get the figure

4:20:004:20:06

from 4093%? I don't see how that

there is any relationship to the

4:20:064:20:10

reality of many of our constituents.

I would be very happy to do that. I

4:20:104:20:15

want to make the point I have

written to the post office and UK

4:20:154:20:20

finance to impress on them the

importance of developing detailed

4:20:204:20:25

joint proposals to achieve the

objectives everyone has set out that

4:20:254:20:29

they rightly require. I am clear

these proposals must include a

4:20:294:20:34

shared vision for public awareness

made broking services available.

4:20:344:20:36

This, measurable outcomes that the

party agree they can use in

4:20:364:20:45

delivering that vision, specific

action is the post office and

4:20:454:20:48

parties to the banking framework

agree to achieve the outcomes,

4:20:484:20:53

collectively and or individually.

And a timeline for doing so, and

4:20:534:20:57

arrangements for measuring the

impact of the specific actions on

4:20:574:21:00

public awareness throughout the UK

to ensure the outcomes are achieved.

4:21:004:21:05

This is an issue I know colleagues

across the House feels strongly

4:21:054:21:09

about and I have heard that today,

one on which I am determined to see

4:21:094:21:14

progress on. I have asked for a

response by the end of March. I will

4:21:144:21:18

be happy to update the House.

Several of you have mentioned access

4:21:184:21:25

to cash. The Government continues to

work with the industry to ensure the

4:21:254:21:29

provision of widespread free access

to cash and Link, the organisation

4:21:294:21:34

which runs the ATM network, has

assured us it is committed to

4:21:344:21:39

maintaining an extensive network of

free to use cash machines and the

4:21:394:21:43

present spread of ATMs is

maintained. On the 31st of January,

4:21:434:21:49

the announced plans to bolster its

financial inclusion programme which

4:21:494:21:52

ensures the provision of ATMs clear

demand would not make one viable.

4:21:524:21:59

They have confirmed this will

include addresses in instances where

4:21:594:22:02

there is the closure of the bank.

And they have specifically committed

4:22:024:22:06

to protecting all free to use ATMs

which are a kilometre or more from

4:22:064:22:14

the next free to use ATM. I would

like to thank the members for

4:22:144:22:23

Stoke-on-Trent North and Hazel Grove

and all the members who have spoken

4:22:234:22:26

this afternoon. I hope I've been

able to give some reassurance the

4:22:264:22:30

Government recognises the

frustration and disappointment

4:22:304:22:36

caused by bank branch closers.

Ultimately, the Government cannot

4:22:364:22:42

reverse market movements or

significant changes in customer

4:22:424:22:46

behaviour. I believe it is right the

Government does not intervene in

4:22:464:22:50

commercial decisions would respond

to these changes. I will continue to

4:22:504:22:55

work to ensure everyone can access

the banking services they need for

4:22:554:22:58

everyday lives. This Government has

taken measures to maintain access to

4:22:584:23:06

vital banking services and ensure

banks support community is across

4:23:064:23:09

the UK when the local branches

close. I think the engagement of all

4:23:094:23:16

members across the House in that

process is one that banks will need

4:23:164:23:21

to continue to respect and respond

to. I encourage every member to keep

4:23:214:23:25

the dialogue open with their

constituents on how they can take

4:23:254:23:29

advantage of the many options

already in place.

Thank you, may I

4:23:294:23:38

thank the Minister for his response.

I have a lot of respect for him and

4:23:384:23:42

I wish him more luck with Lloyd's

bank tomorrow than I had. There is

4:23:424:23:48

some issues that we need more

clarification on. I think the

4:23:484:23:52

emphasis should be on the banking

sector to resolve these issues, but

4:23:524:23:55

if they won't act and so far

happened, we are going to have to

4:23:554:24:00

act as the Government and Parliament

to hold to account. They are not

4:24:004:24:05

being imaginative. One of my issues

is the Link access to ATMs. I

4:24:054:24:12

welcome any announcement in terms of

what that might mean, so far

4:24:124:24:16

evidence suggests 3500 ATMs might be

closed. That could be a challenge, I

4:24:164:24:23

would urge you to look more closely

at that as well as the post office.

4:24:234:24:29

We have agreed that face-to-face and

personal contact is vital at the

4:24:294:24:33

role of the post office network,

while helpful, does not fulfil in

4:24:334:24:38

its current function what we need

from it and we need to talk about

4:24:384:24:42

public transport infrastructure so

that people can access alternatives.

4:24:424:24:46

I thank you very much for the debate

and I look forward to working with

4:24:464:24:49

you on this issue going forward.

The

question is asked on the order paper

4:24:494:24:55

as many rows of that opinion it's a

aye. The contrary no. The ayes have

4:24:554:25:02

it, the ayes have it.

The tightening

up of regulations remained private

4:25:024:25:13

landlords, I should have declared...

It was an oversight, I want to take

4:25:134:25:20

this opportunity to correct that.

I

thank the honourable gentleman for

4:25:204:25:24

putting his point on the record.

Thank you.

I beg to move this House

4:25:244:25:33

be now adjourned.

The question is

that that's House due now adjourn.

4:25:334:25:40

Madam Deputy Speaker, I have asked

for this debate to enlist the help

4:25:404:25:43

of the Minister to get North East

Hertfordshire up to speed with

4:25:434:25:49

superfast broadband.

4:25:494:25:53

My constituency contains towns which

already have good broadband speeds,

4:25:534:26:01

but they're also many small rural

hamlets which do not yet superfast

4:26:014:26:05

broadband. North East Hertfordshire

is by far the largest constituency

4:26:054:26:13

geographically in Hertfordshire, yet

we have a far lower total of

4:26:134:26:19

superfast broadband coverage than

other parts of the county and I will

4:26:194:26:23

be asking the Minister to help me to

push the current coverage in my

4:26:234:26:28

constituency up to the Hertfordshire

average of 95% this year, and then

4:26:284:26:33

to complete the job of reaching the

target of close to 99% in 2019. I

4:26:334:26:39

have been pressing hard on this in

the last year according to the House

4:26:394:26:43

of Commons library, the coverage has

gone up from 67% to 77% in my

4:26:434:26:49

constituency, but this is far from

being good enough and we do need

4:26:494:26:53

sustained efforts from ministers,

Openreach under Herts county council

4:26:534:26:59

delivery organisation called

connected counties to push the

4:26:594:27:04

figure higher and quicker. In the

last few months I have discussed

4:27:044:27:08

this personally would be Secretary

of State, with the managing director

4:27:084:27:11

of Openreach and the present and the

previous leaders of Herts county

4:27:114:27:21

council. Long ago it was agreed by

government and in this House that it

4:27:214:27:27

would have to fund the roll-out of

superfast broadband in

4:27:274:27:35

noncommercially viable areas such as

my hamlets. I was one of the MPs who

4:27:354:27:39

persuaded the Government that it had

to be involved and I can remember

4:27:394:27:44

lobbying secretaries of state

including my honourable friend for

4:27:444:27:48

South West Surrey and for

Basingstoke for such funding and

4:27:484:27:51

being pleased at their recognition

in successive phases of the strong

4:27:514:27:56

case that such coverage is essential

if a structure akin to other

4:27:564:28:01

utilities. Money was made available.

Despite my part in securing this

4:28:014:28:06

funding, it has been disappointing

and frustrating to watch the lack of

4:28:064:28:11

progress in connecting up my rural

areas while successive ministers

4:28:114:28:14

have assured me that the county as a

whole has achieved first 92% and

4:28:144:28:21

then 95% coverage, is only recently

been acknowledged that the coverage

4:28:214:28:23

in my area has edged up at a smell's

pays to the current 84% and its

4:28:234:28:31

cooling to my constituents to land

that ultrafast broadband is being

4:28:314:28:36

piloted in Bishops Stortford when

they are languishing with no

4:28:364:28:40

coverage or a few crimes such as 0.8

megabits per second. To give an

4:28:404:28:46

example, the village of Little

Howard which is three miles from

4:28:464:28:50

Bishops Stortford has 61%, receiving

under 10 megabits per second. He

4:28:504:28:57

should not be forgotten this is not

a remote area. Some of the bases

4:28:574:29:02

with the worst coverage, for example

in Hartford raw Southwood, are some

4:29:024:29:07

20 miles from London. Many people

now work from home, something that

4:29:074:29:12

is encouraged for London workers to

take the strain of the transport

4:29:124:29:16

system. My constituents would like

the opportunity to do that,

4:29:164:29:20

particularly those with caring

responsibilities but cannot do it

4:29:204:29:23

without broadband. They arrive high

number of small businesses in these

4:29:234:29:27

areas, many encouraged by the offer

of office space in former farm

4:29:274:29:34

buildings, diversification on farms

is encouraged by our local councils

4:29:344:29:36

and the Government and to give

another example, the villages of

4:29:364:29:42

Western Lycos to Stevenage.

Stevenage has download speeds of

4:29:424:29:46

close to 70 megabits per second but

in Western, 83% are unable even to

4:29:464:29:53

receive 10 megabits per second. I am

grateful to do which organisation

4:29:534:29:59

for pointing out to me that recent

data from Ofcom showed that the

4:29:594:30:03

average download speed in North East

Hertfordshire is 47.8 Mb per second,

4:30:034:30:10

whereas other neighbouring

constituencies are the 60 megabits

4:30:104:30:14

per second mark. However which an

analysis of speed tests found that

4:30:144:30:19

the media download speed in North

East Hertfordshire is only 13.9

4:30:194:30:25

megabits per second and a quarter of

speeds recorded were less than 6.8.

4:30:254:30:29

I would like to offer the Minister

my analysis of the problems in the

4:30:294:30:35

roll-out process. Connected counties

has operated with Openreach

4:30:354:30:39

identifying areas which may not be

commercially viable and connected

4:30:394:30:44

counties then offering Openreach

subsidy to do the works. Where

4:30:444:30:49

take-up turns out after all to be

commercially viable, Openreach

4:30:494:30:54

returns the subsidy to connected

counties and it can be useful as

4:30:544:30:58

commercially viable areas. I am told

this return subsidy has happened in

4:30:584:31:03

about 50% of cases and it seems to

me that this clearly demonstrates

4:31:034:31:09

that the subsidy has been used to do

many areas which are in fact

4:31:094:31:14

commercially viable and meaning

those less viable areas have had

4:31:144:31:17

their roll-out delayed. This

overcautious assessment of

4:31:174:31:21

commercial risk has meant that those

like me who pressed for subsidy for

4:31:214:31:25

areas like North East Hertfordshire

hamlets which are not commercially

4:31:254:31:30

viable have been delayed and

disappointed. I would like to ask

4:31:304:31:34

ministers if they have met the chief

executive of Openreach Clive Selley

4:31:344:31:39

and the chief financial Officer Matt

Davies to discuss this and to

4:31:394:31:45

tighten up assessment proceedings.

Since my latest push on speeding up

4:31:454:31:50

broadband roll-out, further progress

has been made and this has continued

4:31:504:31:54

since the last House of Commons

library information. The leader of

4:31:544:31:58

the county council has told me this

week that the latest assessment puts

4:31:584:32:03

coverage in my constituency now at

84%, but this is all by fibre to the

4:32:034:32:10

cabinet rather fibre to the premises

which is needed in many small

4:32:104:32:12

hamlets. I was staying with friends

this weekend in a very rural

4:32:124:32:19

location in deepest Suffolk and was

very surprised to learn that they

4:32:194:32:22

have fibre to the premises with high

speeds were my constituents 20 miles

4:32:224:32:28

from London have none. I have taken

up with ministers Openreach an

4:32:284:32:33

Hertfordshire County Council the

particular case of Western

4:32:334:32:36

Greensmith Standen whose residents

petitioned the House about their

4:32:364:32:43

situation. In early 2016, many

residents signed up a competitor of

4:32:434:32:51

Openreach for superfast broadband to

be installed by March 20 17. In

4:32:514:32:58

about June 2016, connected counties

including Openreach announced that

4:32:584:33:00

they were going to install superfast

broadband in these hamlets by March

4:33:004:33:05

2017 and the effect of this is that

many residents withdrew who decided

4:33:054:33:12

not to go ahead at that time. Then

in January 2017 to the anger and

4:33:124:33:18

dismay of residence, Openreach

announced the roll-out had to be

4:33:184:33:22

remapped and in June 2017, a

timetable for superfast broadband

4:33:224:33:29

roll-out was given for 2018-19. This

caused understandable outrage. The

4:33:294:33:35

residents had only decided not to

proceed because Openreach had offer

4:33:354:33:44

the same timetable. I have discussed

this unacceptable situation with all

4:33:444:33:48

those involved and was pleased that

Openreach agreed to bring forward

4:33:484:33:52

the start of works in these hamlets

to June 20 18. Other ministers

4:33:524:33:58

should be aware of the great

unhappiness locally with what has

4:33:584:34:02

happened and anything she can do to

encourage Openreach to bring forward

4:34:024:34:07

the works even further would be very

helpful. I recognise that the

4:34:074:34:12

national roll-out is an enormous

undertaking with a limited number of

4:34:124:34:15

providers in the field and

nationally a great deal has been

4:34:154:34:20

achieved, however the subsidy for

which I campaign was designed to

4:34:204:34:25

ensure that areas which were not

commercially viable were connected

4:34:254:34:28

up. In the last year we have seen

coverage in my constituency driven

4:34:284:34:34

up from 67% to the current 84%, up

17%, but I want us to see us hit the

4:34:344:34:42

county average before the end of

2018 and hit the national target as

4:34:424:34:46

soon after that as is possible. In

this day and age, people living near

4:34:464:34:52

London in raw won locations expect

superfast broadband and it is in the

4:34:524:34:57

Government's interest to achieve it.

I hope the Minister will ask

4:34:574:35:02

Openreach, connected counties and

the council to do all they can to

4:35:024:35:05

ensure that north-east Fisher comes

up to speed this year and that the

4:35:054:35:11

unfairness to Westland greens is

addressed now.

I would like to thank

4:35:114:35:21

the member for securing this debate.

And for his extremely well-informed

4:35:214:35:27

speech and I have learned a great

deal from it and I shall be reading

4:35:274:35:31

it again after the debate. He's

clearly been involved in this issue

4:35:314:35:36

for a long time and has the

outstanding knowledge of the

4:35:364:35:40

problem. But it does give me an

opportunity to update the House on

4:35:404:35:47

the Government's plans and progress

towards ensuring universal

4:35:474:35:50

high-speed broadband. It's crucial,

more so in raw won communities

4:35:504:35:58

across the UK and even in our urban

centres and so the Government and

4:35:584:36:03

local partners are investing 1.7

billion in the superfast broadband

4:36:034:36:08

programme. The programme has

provided superfast coverage with

4:36:084:36:12

speeds of more than 24 megabits per

second for over 4.75 million

4:36:124:36:18

premises in areas that would not

otherwise have been covered by

4:36:184:36:22

commercially funded roll-out. 95% of

homes and businesses in the UK can

4:36:224:36:29

now access superfast broadband, up

from 45% in 2010. At least £210

4:36:294:36:37

million of funding will be available

to support further investment as a

4:36:374:36:42

result of efficiency savings in the

initial roll-out. Because of the

4:36:424:36:46

high levels of take-up, we will also

have gained share funding from the

4:36:464:36:50

additional profits from the network

it is predicted to reach at least

4:36:504:36:56

527 million and that means that a

total of 737 million will be

4:36:564:37:02

available to support further

roll-out. I know my honourable

4:37:024:37:05

friend will recognise that

improvement has been achieved in his

4:37:054:37:10

own constituency over the past few

years, he did quote some figures.

4:37:104:37:14

Since the beginning of last year,

superfast coverage in his

4:37:144:37:19

constituency has increased to 84%

while 92% of premises have speeds of

4:37:194:37:26

10 megabits per second or above. The

connected counties project which he

4:37:264:37:34

referred to delivering across both

Hertfordshire and Buckinghamshire

4:37:344:37:39

has to date provided superfast

broadband access to over 71,000

4:37:394:37:44

premises that would have otherwise

been left behind. This equates to

4:37:444:37:51

over 96% superfast coverage across

Hertfordshire. Additionally, 23,000

4:37:514:37:56

further premises are still to be

covered through the projects current

4:37:564:38:00

roll-out plans. Beyond the scope of

the connected counties project,

4:38:004:38:08

Hertfordshire County Council also

progressing the option of a new

4:38:084:38:12

recruitment exercise. I understand

they have undertaken an open market

4:38:124:38:16

review to understand the latest

commercial plants in the county.

4:38:164:38:19

This evidence is the council's

commitment to ensuring areas are not

4:38:194:38:26

left behind. I recognise that

communities, some of which my

4:38:264:38:29

honourable friend referred to in his

speech, which have not yet got this

4:38:294:38:35

coverage, will feel left behind. In

the case of Hertfordshire, the local

4:38:354:38:41

authority has managed the current

delivery contract with BT to

4:38:414:38:45

maximise coverage to as many

premises as possible as quickly as

4:38:454:38:49

they can. This can sometimes leave

gaps on the ground where some areas

4:38:494:38:54

are covered and adjacent areas are

not as he himself outlined in his

4:38:544:39:00

speech. However, the alternative

would have been to prioritise some

4:39:004:39:04

communities over others during the

roll-out, this would have been less

4:39:044:39:09

efficient and involved the local

authority in making choices to

4:39:094:39:14

determine which communities should

get covered first. The approach

4:39:144:39:19

taken by Hertfordshire County

Council in the contacts therefore

4:39:194:39:21

seems reasonable. Broadband delivery

UK have also manage the programme

4:39:214:39:30

effectively. Thereafter yeah major

infrastructure projects which

4:39:304:39:33

achieve their delivery target on

schedule and with so much funding

4:39:334:39:36

being returned. I recognise the need

to ensure that new housing has

4:39:364:39:43

superfast coverage, Openreach have

committed that all new developments

4:39:434:39:48

with at least 30 properties will

have fibre to the premises. This

4:39:484:39:52

will ensure that almost all new

housing has full five access

4:39:524:39:56

provided. We are also continuing to

focus very much on the remaining 5%

4:39:564:40:03

of premises which do not yet have

superfast access. Across the UK as a

4:40:034:40:08

whole, we are confident that at

least half the remaining premises

4:40:084:40:12

will get their superfast coverage to

the continued roll-out. However,

4:40:124:40:16

even with this further delivery,

some premises will still remain

4:40:164:40:22

without the superfast broadband that

they need. We are therefore working

4:40:224:40:27

hard on our commitment to ensure

universal high-speed broadband of at

4:40:274:40:31

least 10 megabits per second by

2020. We will shortly set out the

4:40:314:40:37

design for a legal right to

high-speed broadband in secondary

4:40:374:40:41

legislation alongside our detailed

response to become to attention.

4:40:414:40:47

Ofcom's imprint a chimp is expected

to take two years from way really

4:40:474:40:54

secondary legislation, meeting the

Government 's commitment of giving

4:40:544:40:57

everyone access to high-speed

broadband by 2020.

4:40:574:41:03

The better broadband scheme is

available for any home or business

4:41:034:41:07

with speeds below 2 megabits per

second. This provides a subsidy of

4:41:074:41:12

up to £350 for any eligible premises

for satellite broadband or, if we

4:41:124:41:19

are available, other solutions,

including fixed for GE, fixed

4:41:194:41:24

wireless autoimmunity fibre

projects. This scheme has no

4:41:244:41:28

supported over 13,000 homes and

businesses. Communities which

4:41:284:41:33

currently do not have superfast

broadband can consider the option of

4:41:334:41:38

undertaking their own committee

project. Community projects can

4:41:384:41:41

either be completely self managed

and delivered or involve two

4:41:414:41:46

amenities co-funding with providers

such as BT via their community fibre

4:41:464:41:53

partnership scheme. Ever focus until

now has been on extending the

4:41:534:41:57

superfast broadband coverage, but we

also need to move to ensure a

4:41:574:42:03

transformation in the UK's digital

infrastructure so it is based on a

4:42:034:42:07

fiver to the presence or full five.

Currently, only 3% of premises have

4:42:074:42:13

a fibre-optic connection. We accept

that is not good enough. We have a

4:42:134:42:21

target of 10 million premises which

have the full fibre connection by

4:42:214:42:23

2022. Recent industry announcements

show this is achievable, BT open

4:42:234:42:31

reach, and in answer to my right

honourable friend's question, I have

4:42:314:42:36

met the chief executive, and when I

next to meet him I will raise with

4:42:364:42:41

him the tobacco my right honourable

friend described when residents

4:42:414:42:46

turned down the offer on the basis

that BT open reach were apparently

4:42:464:42:52

going to deliver then it to their

needs in a timely manner, only to be

4:42:524:42:56

let down. I do take that to heart,

the residents must be deeply

4:42:564:43:03

frustrated and upset. I will raise

that with them. Virgin media, hyper

4:43:034:43:13

optic, and others all have plans for

significant new fibre coverage. Last

4:43:134:43:19

week, open reach and aged their plan

to reach 3 million premises by 2020

4:43:194:43:25

and the proposal to get to 10

million by 2025 if the conditions

4:43:254:43:30

are right. I was pleased today to

hear that the talk talk

4:43:304:43:35

announcement, that they were going

to reduce their dividend in order to

4:43:354:43:40

connect 3 million new premises with

full fibre. I congratulate the board

4:43:404:43:46

of talk talk on that decision. The

Government has a number of measures

4:43:464:43:51

to support full fibre roll-out, the

local network programme has six

4:43:514:43:58

we've one projects underway and beds

for a wave to wear received on

4:43:584:44:02

January 26 of this year. We expect

to announce the successful week to

4:44:024:44:06

projects in March, and in line with

our manifesto commitment we will

4:44:064:44:12

make fuller fibre connection

vouchers available for companies

4:44:124:44:16

across the country in 2018. The

digital infrastructure investment

4:44:164:44:22

fund is now in place, to provide 400

million of investment capital is

4:44:224:44:32

alongside private capital for new

expanding providers of five

4:44:324:44:35

broadband. Our barrier busting task

force is also now established and

4:44:354:44:42

tackling the barriers to fibre

roll-out across the UK. We are

4:44:424:44:48

introducing a five-year release from

business rates in England for new

4:44:484:44:51

fibre infrastructure. We are making

progress in providing rural

4:44:514:44:59

broadband coverage, but we recognise

there is much still to do to finish

4:44:594:45:03

the job and it is our intention to

do that fairly. We will be pushing

4:45:034:45:08

hard on a full fibre coverage and I

welcome the continued interest and

4:45:084:45:12

support from members of this House

and the expertise as well,

4:45:124:45:17

particularly that of my right

honourable friend, as I continue to

4:45:174:45:21

drive this work and ensure we

deliver against our goals.

The

4:45:214:45:27

question is that this house do now

adjourned. As many of that opinion

4:45:274:45:33

say aye. The ayes habit. Order,

order.

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