partytracker.uk — a sourced record of what Britain's political parties say and do, party by party, with every entry linked to a primary source

What Britain's parties say and do in public, recorded from the source.

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12,868 spoken contributions under 12 words (interjections such as “Will the hon. Member give way?”) are hidden. Show them

  1. ParliamentLib DemMr Joshua Reynolds

    Magistrate Numbers

    Magistrates are a humongous volunteer force, which the Magistrates’ Association says are close to breaking point. With the Government aiming to increase the number of magistrates to almost 21,000, what will the Secretary of State do to attract more young people and working-age people in full-time roles to that challenging volunteer role, for which they might have to give up some of their paid employment?

    Hansard source
  2. ParliamentLib DemMr Joshua Reynolds

    Steel Tariffs: Northern Ireland

    Businesses across Northern Ireland and the rest of the United Kingdom are concerned that from tomorrow they may face tariffs on the steel that they are importing even if that steel is not manufactured in the United Kingdom in the quantities or grades they need. The Under-Secretary has requested that we write to him with specific examples, and I did so on 19 June on behalf of Hewland Engineering in my constituency, but it is concerned that it has not heard back yet and 1 July is coming quickly. The Minister mentioned in his response to the urgent question that he was working hard to ensure a single market in this area between us and the European Union. The Liberal Democrats are really grateful to hear that, because we have long argued that this friction is an inevitable result of our leaving the European Union and the single market. Will he help support the Liberal Democrats’ campaign to ditch the Government’s red lines and have a new, bespoke UK-EU customs union, along with joining the single market for our new growth and defence partnership with the EU, to help protect British companies and help get Britain growing again?

    Hansard source
  3. ParliamentLib DemMr Angus MacDonald

    Nationally Significant Energy Infrastructure Projects

    The Minister knows that in the highlands we have had three massive pump storage sites move to the next level of development. Cumulatively, they will store 4 GW in an area that has the highest fuel poverty in Britain, at a cost of £5 billion. At the moment, the pumps will do very little for the highland economy, as there will be almost no local jobs, no legacy housing and no community benefit. It is a sorry state; it is all downside and no upside for the people of the highlands. I would love to see that addressed.

    Hansard source
  4. ParliamentLib DemMike Martin

    Defence Investment Plan

    This is a tale of two DIPs. The first DIP is covered by the period in the current spending review, up to about 2030, and the second DIP is the bit beyond that, from 2030 to 2035. The first has detailed spending commitments, and the latter has quite vague spending commitments. The former has small investments and the latter has big investments. I will give two examples: air has £28 billion versus £70 billion, and land has £19 billion versus £36 billion. On behalf of the Government, whoever might be in it by that point, can the Secretary of State confirm to the House that the Treasury has guaranteed that those figures will be in the next spending review—that is, that the Defence section of the next spending review has already been written?

    Hansard source
  5. ParliamentLib DemMax Wilkinson

    Family Justice System

    8. What steps he is taking to reform the family justice system.

    Hansard source
  6. ParliamentLib DemMax Wilkinson

    Family Justice System

    When family courts decide that care is to be split between parents 50:50, we might expect that fair financial arrangements follow. However, when courts make that ruling, and the Child Maintenance Service makes decisions based on which parent is the recipient of child benefit, one parent often finds they are significantly worse off than the other. Will Ministers have a word with their colleagues in the Department for Work and Pensions to ensure that the justice system and the CMS work more closely to achieve financial fairness for both parents in cases where courts rule for 50:50 care splits?

    Hansard source
  7. ParliamentLib DemLiz Jarvis

    National Maternity and Neonatal Investigation

    Recommendation 3 of the report calls for improvements to how the system responds when something goes wrong, including providing a sincere apology. Will the Secretary of State apologise now to my constituents Charlotte and James, who lost their baby Norah at Winchester hospital, and to the thousands of families who have suffered the loss of a baby due to systemic failures in NHS maternity care?

    Hansard source
  8. ParliamentLib DemLisa Smart

    Antisemitism: University Campuses

    It is a pleasure to see you in the Chair, Sir John. I warmly congratulate the hon. Member for Leeds South West and Morley (Mark Sewards) on securing this debate and setting us up very strongly with his excellent opening remarks. Antisemitism has no place in our society. That should be a simple statement, and it should be agreed by all in this House. The Liberal Democrats have continued to be clear that we must be committed to tackling hatred in all its forms. My constituents care about this issue and they raise it with me. They are worried about the rise of antisemitism in our country. I am grateful to my constituent Caroline from Marple, who came to my advice surgery just this Saturday to share her thoughts about the worrying rise she sees across our country. Even though most believe that antisemitism has no place in the UK, there is evidence that for far too many Jewish students, the university campuses where they should feel free to learn and build friendships have instead become places of fear. The “Time for Change” report from the National Union of Students shows that almost a quarter of Jewish students have witnessed behaviour that targets them for their religion or ethnicity.

    Hansard source
  9. ParliamentLib DemLisa Smart

    Antisemitism: University Campuses

    I am grateful to the hon. Member for raising that incident. He will not be surprised to hear that I strongly agree that it is wholly unacceptable and entirely abhorrent. It is a well-trodden path that those who seek to divide us and sow hatred in our community use graffiti, which is a cowardly way to convey a message of hatred and divisiveness. When I was in Bournemouth last year, I felt honoured to be invited to visit the synagogue and its rabbi who had been the subject of an antisemitic graffiti attack on his home. The impact that had on him and the whole community was profound, and I am grateful that he took the time to explain it to me. I can only imagine the fear that must have been felt by those who were targeted. The hon. Member is entirely right that it is wholly unacceptable. The report I mentioned earlier showed that one in five students would be reluctant to, or would never, house-share with a Jewish student—others have mentioned that. In the report, Jewish students described physical and verbal abuse, social exclusion and antisemitic attitudes that have become disturbingly ordinary on the very campuses that are meant to welcome them. Additionally, almost half of students have heard slogans or chants glorifying Hamas, Hezbollah or other proscribed groups. I am grateful to the colleagues who have brought the voices of students into Westminster Hall. The hon. Members for Northampton South (Mike Reader) and for Strangford (Jim Shannon) spoke about the experience of Jewish students on campus, while the hon. Member for Beaconsfield (Joy Morrissey) powerfully reminded us of why we should care about what is happening on university campuses. We have seen, throughout history, what this looks like. The hon. Member for Beaconsfield mentioned the experience on German university campuses. My grandmother, who was Jewish, came here from Germany in the 1930s at the age of 18—not as a student, but as a domestic worker—because of the climate in which fear and hatred were being sown. As the hon. Member rightly said, it often starts on university campuses. The Liberal Democrats will always defend free speech. Universities should be home to rigorous and well-informed debate, because the freedom to question and explore difficult ideas sits at the heart of academic life. Criticising the actions of any Government, including the Government of Israel, is legitimate and must remain so, but there is a world of difference between vigorous debate and the harassment, intimidation and abuse documented in the report that I mentioned. It is possible, of course—I will say it again—to fairly and rightly criticise the actions of the Government of Israel, but let us be clear: the dangerous antisemitic trope that suggests that British Jewish people are somehow puppets for a foreign state, or that there is a secret conspiracy to exercise undue control over the Government, must be actively called out. We should robustly and unequivocally reject any such antisemitic conspiracy theories. No one should use concerns, whether about foreign interference or otherwise, to stir up hate or to smear and stigmatise the Jewish community on university campuses or elsewhere. I am grateful to the hon. Member for Dewsbury and Batley (Iqbal Mohamed) for reminding us of our role in positions of political leadership. Some of our colleagues would do well to remember that their inflammatory statements have an impact. Under the previous Government, the Liberal Democrats did not support the Higher Education (Freedom of Speech) Act 2023. We did not believe that it was evidence- based or proportionate, and many universities and student groups, including Jewish student groups, warned that it risked compelling universities to give a platform to speakers with known extremist views. From September, the Office for Students will operate a new complaints scheme that will allow university staff, external speakers and non-student members to make free-speech complaints. The OfS will then investigate claims, and has the power to issue fines. The scheme should not be a mechanism for the back-door legitimisation of hate. More than that, we believe that the Government should bring forward an urgent comprehensive action plan to tackle antisemitism at its root and ensure adequate high-visibility police protection for synagogues, schools and Jewish community centres nationwide. The “Time for Change” report sets out a sensible path and enforceable standards for universities to investigate and punish hate crime, with mandatory reporting to the Office for Students and real sanctions for those who fall short; proper co-ordination between universities, the police and the Government; and sector-wide best practice on Jewish inclusion, including antisemitism awareness training. Other colleagues have mentioned the excellent work of the Antisemitism Policy Trust. I have been lucky enough to benefit from some of its training, which was very strong. We should also welcome initiatives that celebrate Jewish life, not merely defend it. I welcome the contribution of my hon. Friend the Member for Westmorland and Lonsdale (Tim Farron), who reminded us of the story of the Windermere children. He spoke about how the country could use education to build on our history and foundations, and about how we should push for a hatred of hatred—I warmly welcome that. Universities exist so that students from every background can come together without fear. Right now, that promise is being broken for too many Jewish students. The Liberal Democrats will keep using our voice in this House to speak out against antisemitism in every form. I ask the Government and the Minister to match their words with action and a timeline, to offer Jewish students not just warm assurances but the safety, protection and respect that they are owed.

    Hansard source
  10. ParliamentLib DemLayla Moran

    National Maternity and Neonatal Investigation

    I, too, thank Baroness Amos, her team and, most especially, the families who so bravely gave the evidence that has formed this report. Further to the conversation about accountability, the Secretary of State will have noticed that some families are concerned that the commissioner is just one person, and that there is too much for them to do. Can he make clear that the buck stops with him and, indeed, the PM, and that he will not let go of this? The commissioner will report every six months to the Health and Social Care Committee—we welcome that—and once a year to Parliament. Further to that, will he personally commit that the Secretary of State will seek permission from Mr Speaker to make a statement to the House once a year, so that they can be held personally accountable for the progress made too?

    Hansard source
  11. ParliamentLib DemLayla Moran

    Department of Health and Social Care

    I thank the Backbench Business Committee for granting this debate on the NHS estimates and, in particular, the impact of the UK-US pharmaceutical deal. Let me start by briefly talking about the estimates themselves. I am sure that every Member has a copy of them; I have one every year. Given that we spend £211 billion on the NHS, it is rather extraordinary that £201 billion of that is simply two lines in this document. Last year, I made a request of the Department of Health and Social Care, in the light of the deal, that we get not just a better breakdown of the costs of the deal, but, more importantly, the ability to scrutinise the estimates. The Treasury’s own guidance says that the information in the estimates should be “informative” to readers. We can all read it, but—goodness me!—it tells us absolutely nothing. My request of the Department again, and much more publicly, is to sort this issue out. Other Departments do this much better, so there is no reason why we cannot. The information exists; it is a question of putting it correctly in a spreadsheet. Today, I hope that we will discuss the pharmaceutical deal. I have to admit that I had seen stuff about the deal, but it was not until a whistleblower came to my surgery that I really began to understand the implications of it. They said: “I am a doctor, a public health specialist, and a NICE employee. I am deeply concerned by the plan to change the NICE cost-effectiveness threshold. I continue to believe that the NHS would be better off if ministers decide to scrap their original plan to spend more on new, less good value medicines, and used the money instead to provide basic things that we already know are good value, but don’t manage to provide adequately.” Let us start by explaining what this deal does. It is worth mentioning that it is not a free trade agreement. That is quite important, because we will not get the normal mechanisms of scrutiny. This is one of the only ways that we can scrutinise it. We certainly do not get a proper vote on it. Different Committees of this House have raised that as a key point, so I am delighted that we are able to discuss it. The deal agrees with the USA that there will be no tariffs on UK pharma exports until January 2029, and we have agreed a series of measures in return. The most important of those, which was raised by my whistleblower, is the changes to the National Institute for Health and Care Excellence thresholds. We must remember that NICE was set up as an independent body of Government to make health economics assessments for treatment and medicines, to maximise value for money. I do not need to remind the Minister that providing value for money for the taxpayer is in the NHS constitution. The Government gave themselves powers to direct NICE on cost-effectiveness thresholds, raising them from £20,000 to £30,000 up to £25,000 to £35,000 for each quality-adjusted life year. In plain speech, that is basically the amount of money that we would spend on a medicine to increase people’s good life expectancy by one year. Historically, the NHS has had a very good deal on medicines. That is in part because of where the QALY is set; in fact, research has been done that suggests that we could have put the figure even lower. It is not a budget, and does not have to increase with inflation. Some have made that case, and I will come back to that point in a moment. The second part of my speech relates to changes to the rebate mechanism. There is a voluntary agreement between the British pharmaceutical industry companies, and the NHS caps the amount that it spends on branded medicines. If the NHS spends more, it claws back some of the money from those companies. Under the deal, the UK Government are limiting that to 15%, which is down from 22.9%. Let us put those two things together: we have the NHS paying more for medicines, and receiving less back through rebates. There is an agreement in the deal that the UK will increase support for life sciences and spending on new medicines from 0.3% of GDP to 0.6% of GDP by 2036. That is an increase of spending on medicines, particularly, from 10% to 12% of the NHS budget.

    Hansard source
  12. ParliamentLib DemLayla Moran

    Department of Health and Social Care

    I believe that by the end of my speech, the hon. Gentleman and I will be in violent agreement, if we are not already. There is one more aspect of this, incidentally: the supply chains deal, which I understand is being crafted. We do not have time to go into that.

    Hansard source
  13. ParliamentLib DemLayla Moran

    Department of Health and Social Care

    That is a really good point. I will come back to generics, which make up nine in 10 of the medicines that the NHS uses. There is also an issue of devolution here, which I am sure other Members will cover. At the moment it is very complex, and it is not at all clear how the deal will apply in Scotland and Northern Ireland in particular. We cannot divorce this deal from the geopolitics. It is only happening because Trump decided that he wanted to slap tariffs on every country in the world and on a number of different sectors. The reason why the US came after the NHS is that historically, we get an incredibly good deal, but we have to admit—this is why this debate is so important—that we are using the NHS and NICE in geopolitical negotiations to appease the current President of the United States. Although Trump probably wants to be President for much longer than he will be, his term will come to an end, but the effects of this deal will last much longer than the period of time he might be in office, and the amounts of money involved are eye-watering. I wish we had more information in the estimates, but everyone knows the pressure the NHS is under.

    Hansard source
  14. ParliamentLib DemLayla Moran

    Department of Health and Social Care

    The hon. Gentleman is absolutely right, and that lack of transparency is the nub of my speech today. There are some potential positives in the deal. At the 10 February sitting of the Business and Trade Committee, a representative of the Association of the British Pharmaceutical Industry said that zero tariffs and commitments to the pharmaceutical market in the UK were “welcome” and had been “sought for some time”. The Government’s press release points out that patients will get access to innovative new medicines—who does not want that? Of course we all want that, especially those who have incurable cancers and so on, but there is a trade-off. We all want to bolster innovation in the UK. I have an interest—I am the MP for Oxford West and Abingdon. We are the other side of the Oxford-Cambridge growth arc. Biomedical sciences are going to drive my local economy, so I absolutely want that to happen, but there are also some important criticisms of this deal. First, Medicines UK, which represents a large number of pharmaceutical companies based here in the UK, has real concerns. The life sciences sector plan has stalled, and Medicines UK points out that even though the companies it represents supply nine out of 10 medicines to the NHS, those companies are basically not recipients of what is good in this deal. Mark Samuels, its chief executive officer, has also pointed out that while there may be new investment in this country, particularly in R&D, if we want to create jobs and strengthen the economy, we must also address the inadequate support for the production of goods in the UK. That is where long-term value is created, and it is where the UK misses out compared with other countries. I point colleagues to Denmark, for example, which has had extraordinary success in its economy because it not only invests in R&D, but ensures that a proportion of the manufacturing happens in Denmark. That is what drives economic growth. I now turn to the key point, which is the money. We do not know how much this deal is going to cost. There are two suggested amounts: the Institute for Fiscal Studies puts the cost at £9 billion, but the House of Commons Library briefing points out that the 0.6% of GDP in the Office for Budget Responsibility forecast actually amounts to £14 billion. As has been mentioned, that is an eye-watering amount of money, in the same period that we need to be spending money on dentists, GPs, capital investment, attendance at A&E, prevention, the shift to community and the 10-year plan. When we should be seeing money delivered to the frontline, instead we are seeing money diverted to a small number of very large American-based pharmaceutical companies with no transparency, little debate and absolutely no vote in this House. It is the lack of scrutiny that I take issue with, and there are economists who point out that we could have an extra 330,000 excess deaths by 2036. The Minister is looking quizzically at me, but she has information that I do not. It could be that those economists are being alarmist, but maybe they are not. We simply do not know, because the Government refuse to publish the impact assessment owing to commercial sensitivities. Normally at this stage, I have a series of questions, but today—and this not just in the interests of time—I have only one: where is the impact assessment, and if the Government will not release it, what are they hiding?

    Hansard source
  15. ParliamentLib DemLayla Moran

    Department of Health and Social Care

    I am grateful to the hon. Gentleman for his speech, because he is showing how important this debate is. A lot of this has not been flushed out. Medicines UK, which is responsible for a lot of the generics that he talks about, disagrees with him, but that is a conversation for another time. My question is specific: does he agree that the lack of transparency behind this deal, and the lack of an impact assessment, is a material issue and that we should ask the Government to release such information?

    Hansard source
  16. ParliamentLib DemLayla Moran

    Department of Health and Social Care

    I am frustrated, because everything the Minister is saying is in the press release. Can she please answer the question? Will the Government release the impact assessment? If they will not, will they at least allow a Select Committee to see it confidentially?

    Hansard source
  17. ParliamentLib DemJosh Babarinde

    Support for Victims of Abuse

    Disgracefully, there are some in this House who believe that it is for the England football team to prevent domestic abuse, whereas we all know that it is for perpetrators to stop their abuse. As for those making more positive and valuable contributions in this space, will the Minister join me in celebrating the amazing work of Eastbourne Survivors, who support folks on an entirely voluntary basis to recover from the abuse they have experienced throughout their lives?

    Hansard source
  18. ParliamentLib DemJohn Milne

    Child Savings Accounts (Mental Capacity and Disability)

    I beg to move, That leave be given to bring in a Bill to make provision about access to matured child savings accounts in the name of a young person who lacks capacity; to require the Secretary of State to review savings provision for children and young people with disabilities including those who lack capacity; and for connected purposes. Madam Deputy Speaker, I want to tell you about a family. When Mikey Turner was born, his parents did what so many parents do. They saved for him—not much; a little here, a little there—because they loved their son and they wanted to give him the best chance in life. They put money into a child trust fund, the Government savings account that existed for children born between 2002 and 2011, topped up with £500 of public money as a foundation for every child’s future. However, what they did not know at the time was that Mikey would grow up to have profound disabilities. He lacks the mental capacity to manage money independently. When his child trust fund matured on his 18th birthday, something absurd happened: the money that his family had saved for him, because of him and out of love for him, was, in effect, locked away. His parents, who have cared for Mikey every single day of his life, who are recognised by the Department for Work and Pensions as his appointees, who manage his benefits and who make decisions on his behalf, were told that they could not practically access their own child’s savings account. Instead, they were pointed towards the Court of Protection. The Court of Protection exists for good reasons, but we are talking about a process that can take over a year, cost hundreds of pounds in fees, require lengthy medical assessments, and demand a level of legal navigation and sophistication that would daunt even the most confident of us. This is a family seeking access to a few thousand pounds saved in their own child’s account. For a family already stretched by the daily demands of caring for a severely disabled child, this is, frankly, an injustice. Mikey’s father, Andrew Turner, is my constituent. It is six years since Mikey’s 18th birthday, and for all that time, Andrew has campaigned on this issue, both for himself and for all the other affected families. In that time, he has had to make his case 10 different times to 10 different Justice Ministers, seven Conservative and three Labour—with perhaps another coming soon, although I hope not. Such is the churn in ministerial positions. OneFamily and Contact have supported him throughout, and I want to thank Una Summerson and Maria Scholey at Contact for everything that they have contributed. Together, Andrew, the industry and campaigners have brought this Bill to the House, and the strength of support for it from across Parliament speaks for itself. Andrew’s is far from being the only such case. An estimated 80,000 disabled young people face, or will face, this same barrier, and that number can only grow, because junior individual savings accounts, the successor to child trust funds, will begin to mature before the end of the decade. Junior ISAs have the same fatal flaw, and some children with junior ISAs will also, sadly, grow up to be unable to manage their affairs. If we take no action, we will see the injustice repeat itself, but on an even greater scale. There is an extra twist. Many families have been told that while the money remains inaccessible to them, its existence can disqualify their child from any entitlement to benefits. Heads you lose, tails you lose. This is a scandal that must not be allowed to continue. These are not families trying to access large estates, or complex financial portfolios. They are parents who have saved a few hundred or a few thousand pounds because they believed in their child’s future—and I stress that this is not a demand for Government compensation; it is families’ own money. What makes this so frustrating is that a solution already exists. A number of financial institutions—OneFamily, Nationwide, Santander and Foresters Financial—already operate their own processes, using evidence of Department for Work and Pensions appointeeship and appropriate safeguards, to release these funds to families. They have helped thousands of families to access millions of pounds. However, they need a proper legal framework; without one, not every financial institution is willing to act. I acknowledge that Ministers and officials are engaging seriously with this issue. A meeting has been convened for 8 July. It will bring together the Government, the finance industry, charities and campaigners to work towards a solution, and that is very welcome. I want to particularly recognise the hon. and learned Member for Finchley and Golders Green (Sarah Sackman), who was a real champion for Andrew and families like his during her time on this brief. I am glad that the noble Minister who now holds the brief has continued that work and understands that this issue will not go away, but engagement is not legislation. Warm words, however sincerely meant, will not unlock a savings account. This Bill asks for something straightforward: it asks the Government to establish a clear, proportionate and statutory route, so that a parent in Horsham gets the same answer from their bank as a parent in Harrogate. It asks that protection does not become prevention, and it asks for a review of wider savings provision for disabled children, because the principle at stake—that disabled young people should be able to save on equal terms as the rest of us—matters, and goes beyond this one scheme. Andrew Turner has fought for six years for his son Mikey, and he is far from the only one. Claire Stockton waited more than a year and navigated a complex court process, all for the sake of a modest £1,000 in savings belonging to her disabled child. Another parent, Michele Creed, was able to access the savings, but has been obliged to take on the responsibility and bureaucracy of ongoing financial deputyship. This is crazy. The child trust fund is her daughter’s only asset. Only the most skilful and determined families will ever find their way through this legal quagmire. I respect the high amount of protection for trust funds. I understand that senior lawyers are reluctant to make an exception, even in a case like Mikey’s, and that this reluctance has frustrated 10 successive Ministers so far, but I repeat that this is not the Government’s money; it is the Turners’ money. When Andrew first approached a lawyer for help, he was told that all he could do was wait for Mikey to die, and then he could access the fund. That is absolutely unacceptable. These families had already cared for a disabled child, at great personal sacrifice, for 18 years by the time they realised that they could not access the fund. The mere suggestion that parents might abuse their position and spend the money on themselves is appalling, yet that is the implied position of the law. Thousands of families are waiting. The solutions are before us. The industry is ready. The cross-party support is here. What is needed now is for the Government to act—not to review further, or to consult again. If they need legislation, let this Bill be it. I know that the chances of a ten-minute rule Bill making it into law are vanishingly slim, but the Government can make it happen, if they wish. Families have waited long enough. I commend this Bill to the House. Question put and agreed to. Ordered, That John Milne and Ed Davey present the Bill. John Milne accordingly presented the Bill. Bill read the First time; to be read a Second time on Friday 29 January 2027, and to be printed (Bill 106).

    Hansard source
  19. ParliamentLib DemJohn Milne

    Department for Work and Pensions

    Right now, it is hard to get through a day without someone, somewhere, saying that welfare spending is ballooning out of control. For example, the Conservatives’ alternative King’s Speech tells us: “For the first time ever, the total welfare bill is now higher than total receipts from income tax.” Western civilisation is at an end, it seems—until we realise that it is not the first time at all. It has been that way for 13 years, most of them under the Conservatives. Then we discover that the ratio is about to go into reverse: for the next few years, welfare is forecast to be lower than income tax receipts—panic over, then. Remarkably, as a percentage of GDP, the amount we spend on welfare today is roughly the same as it was under Maggie Thatcher 40 years ago. Today’s welfare bill is simply not the cause of our economic problems, and neither can it be the sole solution. Although moral panic is an overreaction, we should not relax. Cost control is always crucial, so long as we understand that today’s budget pressure is less to do with welfare and more to do with NHS demand and a general weakness in the economy. “New benefit claimants are suffering from mild anxiety,” we are told, “The need isn’t real. Why don’t they just man up?” The neat thing about this angle is that we can be mean to people in need but still feel good about ourselves. But this is a misreading of the data. Most claimants have more than one condition. If a claimant who cannot walk also has mild anxiety, they are counted only in the mild anxiety column. It is a false characterisation of a scrounger culture, and that itself is part of the reason we never fix things. Most attempts to cut the benefits bill fail. They hardly ever save as much money as they were supposed to and they can even end up costing more than they save. I fully recognise the need to control costs and that a healthy economy is the root of a healthy benefit system, but basing national policy around the minority of claimants who do not want to help themselves is the surest way never to fix our benefit system.

    Hansard source
  20. ParliamentLib DemJess Brown-Fuller

    Court Transcripts

    Charlotte Meijer will never have access to her transcript, because her case was heard in a magistrates court where no recording was made. The Government are seeking to address that, but Charlotte has continued to campaign for all victims of crime so that they can gain access to free transcripts, given that some are still being quoted costs of thousands of pounds. Her campaign, Open Justice for All, is calling on the Government to go further and faster to make the justice system fair, transparent and open. This is a cross-party issue, and I know that many Back Benchers in the Minister’s party feel passionate about it. Will she assure the House that the job is not done, and recognise the desire for all court transcripts eventually to be made free and accessible for all victims?

    Hansard source
  21. ParliamentLib DemJess Brown-Fuller

    Topical Questions

    The Guardian reported last week on the case of a US air force officer accused of drugging, strangling and raping a British woman in his apartment. Although the incident took place off duty, off base and on English soil, the case was removed from the jurisdiction of the English courts and was instead tried by US court martial at RAF Lakenheath, with an all-male panel who were all from his base. Does the Secretary of State agree that victims of crimes on English soil should see justice served in our justice system?

    Hansard source
  22. ParliamentLib DemJames MacCleary

    Defence Investment Plan

    I thank the Secretary of State for advance sight of his statement, albeit 14 months late and one Defence Secretary later. The Liberal Democrats welcome investment in the technologies reshaping warfare in Ukraine and beyond. Our armed forces must be more agile and better equipped to deal with the threats we face. However, let us be clear: this defence investment plan is too little, too late. After years of Conservative neglect, Britain needed a Government willing to match the scale of the challenge. Instead, we have had months of delay, and we now have a plan that still appears to have a significant gap between the ambition and the resources required. In particular, it is hugely concerning to see how little is allocated to air defence. It is hundreds of millions short of what was recommended in the strategic defence review, and inadequate to protect our islands and, indeed, our allies. The Prime Minister himself has warned that Russia could pose a direct threat to NATO by 2030, yet the architects of the strategic defence review, General Sir Richard Barrons and former Labour Defence Secretary and NATO Secretary-General Lord Robertson, have both made it clear that the current funding is not enough. Just weeks ago, the Defence Secretary resigned because he believed the funding settlement on offer was not sufficient to keep Britain safe. The new settlement does not bridge that gap, yet the new Defence Secretary claims it is enough. Were both the experts and the former Defence Secretary wrong about this, or does the Defence Secretary truly believe this is enough funding to keep Britain safe? The Liberal Democrats have welcomed plans to sort out the sorry state of forces housing, so it is concerning to hear reports that funding is being found by raiding existing defence budgets, including for military housing. If that is true, what message does the Secretary of State have for serving personnel and their families still living in mouldy homes? Is this genuinely new investment or simply moving money from one overstretched budget to another? The last thing our armed forces and defence industry need is more uncertainty. Between delays to the DIP, a change of Defence Ministers and now a new Prime Minister incoming, they have already dealt with a lot. It is reported that the right hon. Member for Makerfield (Andy Burnham), who looks certain to become Prime Minister in the coming weeks, is sympathetic to the Liberal Democrat plan for defence bonds. Despite the Prime Minister appearing to rule it out in his speech today, can the Secretary of State confirm whether defence bonds are at least under consideration to provide the injection of funding our armed forces so desperately need?

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  23. ParliamentLib DemIan Roome

    Defence Investment Plan

    The defence investment plan includes an additional £100 million transformation of the Royal Marines commando forces, with a special focus on our allies in Scandinavia and the High North. As the Royal Marines Commando Logistic Regiment is based at RM Chivenor in my constituency, will the Secretary of State tell us what form that transformation will take?

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  24. ParliamentLib DemHelen Morgan

    Health Bill (Eighth sitting)

    I will raise some similar concerns about the abolition of integrated care partnerships and integrated care strategies, which clause 23 brings about. Before I do, I should declare my interest as a vice-president of the Local Government Association. The removal of integrated care partnerships, as well as the extension of ICBs to cover multiple local authorities, raises unanswered questions about the future of social care planning, which is very important to the Liberal Democrats, as the Minister knows. We feel that it removes the voice of charities and others in the voluntary sector who are crucial to meeting the range of needs in health and social care. Throughout the Bill there is a theme of separating social care and the NHS, at a time when greater integration and closer working are clearly needed. We heard Sir Andrew Dilnot say in evidence that we cannot deal with some of the challenges that arise in the NHS—particularly around flow through hospitals and long waits in corridor care in accident and emergency—without improving the discharge of patients into social care. Separating the organisations that deliver those things is clearly problematic. If we think about it, as the shadow Minister just outlined, we have lost the local authority representative on ICBs. The Bill also changes the way the better care fund is administered. With those changes, we are really concerned about the separation of these two responsibilities. I want to draw the Minister’s attention to an example in Shropshire. Shropshire council spends almost 80% of its budget on social care. It is an extremely challenged council because of those funding pressures. Shropshire, Telford and Wrekin ICB has also been one of the most financially challenged ICBs. That is partly because of its small scale and its merging with Staffordshire—which, for the record, is unlikely to be the combined mayoral authority that Shropshire ends up in, as is my current understanding, although we are a long way off resolving that problem.

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  25. ParliamentLib DemHelen Morgan

    Health Bill (Eighth sitting)

    We cannot see the resources allocated, so we cannot confirm that, but it is clearly a concern. We are not yet discussing the part of the Bill that deals with Healthwatch, so I should keep my powder dry, but we know that local authorities will get some additional funding to deal with their elements of Healthwatch, while ICBs will not. There is a concern that that streamlining is, in fact, slimming down.

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  26. ParliamentLib DemHelen Morgan

    Health Bill (Eighth sitting)

    The hon. Member will be aware that the new clause is a probing amendment. It is designed to push the Minister to describe how we will ensure that this range of expertise is taken into account when the plans are put together. We will not press the new clause to a vote, but we want to use it as a discussion point to probe how the range of expertise in the health service will be fully utilised, so that the plans are the best they can be.

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  27. ParliamentLib DemHelen Morgan

    Health Bill (Eighth sitting)

    I wish to speak to amendment 36 and new clause 59, which are different ways of seeking to do the same thing. They are aimed at ensuring that “civil servants are responsible for the decision making and appointment processes for trust and ICB leaders, rather than Ministers or Special Advisers.” In earlier sessions, we spoke about the risk of political capture; the amendment and new clause intend to deal with that. The Government’s intention is to give providers more freedom to design services around local needs, but we are worried that giving the Secretary of State the powers to appoint trust chairs and non-executive directors will undermine that local flexibility and agency. It risks creating a bottleneck in the Department for Health and Social Care, leaving foundation trusts waiting for approval to make their arrangements. In theory, the Secretary of State will be responsible for the appointment of 143 foundation trust chairs and roughly 1,000 foundation trust non-executives, who themselves will appoint the executive directors. Clearly, there is the potential for a bottleneck there. We also think that in the hands of the wrong Secretary of State—I cast no aspersions about the current one—there is potential for mass manipulation of the make-up of future NHS leadership. I think everybody here would agree that NHS leaders should be the best possible people for the job, not those who best fit the political agenda of the Secretary of State of the day. We are worried that future Secretary of States could abuse their power, intervening unnecessarily and for non-clinical reasons in hiring and firing decisions. Their political views could heavily influence the make-up of trust and ICB non-executives across the country—who are themselves responsible for appointing the chief executive— and lead to the firing and hiring of those who suit their personal vision of what a leader should look like. From speaking to chief executives and other senior NHS leaders, I know that many already feel that chief executives are subject to the political whims of the day and are too easily scapegoated for wider failures. Holding poorly performing leaders to account is extremely important when there are failures, but sometimes those concerns and the blame culture that can exist in those organisations stops capable, impressive NHS leaders from taking the next step up the ladder to becoming a chief executive. We think a safeguard is necessary there. We recognise that someone has to hold that power and appoint those people now that NHS England has gone. That is why amendment 36 proposes that in order to ensure there is not political capture of those decisions, they are taken by impartial civil servants who are given a set criteria of what a good leader looks like, rather than by Ministers or their special advisers. As I mentioned, new clause 59 broadly seeks to do the same thing, but uses a different mechanism for getting that into the Bill.

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  28. ParliamentLib DemHelen Morgan

    Health Bill (Eighth sitting)

    I had finished speaking, but I will give way and think of something else to say.

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  29. ParliamentLib DemHelen Morgan

    Health Bill (Eighth sitting)

    As I mentioned in my previous remarks, one imagines that a Secretary of State would set out criteria to ensure that the best people for the job are appointed. We are in a situation where a current Parliament cannot bind a future one, but we do need to set a precedent that political capture of these important leadership roles is not an unintentional consequence of this legislation. I accept that it is unintentional; I think the Secretary of State and the Minister have drafted this legislation with the best of intentions, but this is something we should guard against.

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  30. ParliamentLib DemHelen Morgan

    National Maternity and Neonatal Investigation

    May I also add my thanks to the Secretary of State, to Baroness Amos and her team, and to the families that have relived the pain of their experiences to bring about this report? But the Amos report tells us little that we did not already know—indeed, it confirms our worst fears. Maternity services in England are fundamentally broken with the cost of political neglect being paid in trauma, injury and lost lives. Figures revealed by the Liberal Democrats in the last week show that the first quarter of 2026 saw the worst rate ever recorded for maternity injuries. In fact, while the number of reviews into NHS maternity services has steadily ticked up, we have also seen rising maternal mortality rates. Four years ago, I spoke in this Chamber in response to the findings of the Shrewsbury and Telford review, which were devastating for my community. Last week, I stood here really distressed, actually, as we heard further traumatic reports from the Nottingham review. But anger is not enough. The Government must meet this moment now and implement Baroness Amos’s recommendations in full and without delay, or the families simply will not forgive them. To do this, we need genuine accountability through the NHS and the Department of Health and Social Care, accompanied with the investment needed to make Britain the safest country in the world to have a baby. I welcome the Government’s commitment to a national maternity commissioner—a long-standing Liberal Democrat campaign—and the other urgent and immediate actions that the Secretary of State has outlined in the last week. They are all urgent and are signs that this is being taken seriously. But we need to recognise that a commissioner alone cannot fix the broken system. I urge the Secretary of State to work with us and look at our maternity rescue package for inspiration for his action plan—it has a great degree of overlap with Baroness Amos’s recommendations. Our package would ensure one-to-one midwifery care for every woman in labour, additional senior midwives, an obstetrician on every ward, and mandatory updated annual training. Will the Government commit here and now to implementing all those recommendations and working with us to deliver the change we need?

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  31. ParliamentLib DemHelen Maguire

    High Street Regeneration and Unlawful Storefronts

    I have many residents who are really concerned about the high number of illegal vape and barber shops. Epsom and Ewell police force is taking action: it has targeted shops selling illicit vapes, with four busts so far, which is fantastic. Does my hon. Friend agree that we need to do more to support local community policing and give local authorities more powers?

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  32. ParliamentLib DemHelen Maguire

    Department of Health and Social Care

    Today we are being asked to approve a motion on the main estimates for the Department of Health and Social Care for 2026-27, in which pharmaceutical spending is not separately identified, in either the estimate or its accompanying memorandum. We are being asked to approve spending without clear visibility of exactly how much is budgeted for medicines. That is against the principle of estimates day, which is to scrutinise spending before it is authorised. This is yet another example of the lack of transparency around the murky UK-US pharmaceutical deal. It was drawn up in secret and the Government are refusing to publish the impact assessment. The Government must be clear on how much is budgeted for medicines, how much they expect the deal to cost and the risks to the frontline associated with diverting money from elsewhere in the NHS. The UK-US pharmaceutical deal should never have been allowed to go ahead. The deal will see the NHS paying out at least £1.5 billion more in higher medicine costs by 2028, rising to over £9 billion by 2036. The Government have made it clear that there will be no additional money to fund that over the next spending period. That means frontline NHS services will be plundered at the behest of a foreign Government, while patients suffer in crammed hospital corridors and cannot get a GP appointment. We must support the British life sciences sector. We can find ways to achieve that, but it must be a domestic matter for the UK Government to solve holistically through negotiations with the sector. It should not be dictated from Washington. The Government refused to publish an assessment of the impact of the deal. What are they trying to hide? The bottom line is that medicine procurement should be based on sovereign health needs. This is not a matter of being pro or anti the pharmaceutical industry. We need to find a solution that works for patients, the NHS and the life sciences sector. Rather than defund vital NHS services in a knee-jerk deal, the Liberal Democrats would take real action to strengthen our life sciences sector by: developing a long-term plan with the sector to ensure certainty on issues such as VPAG—the Voluntary Scheme for Branded Medicines Pricing and Access—and rapid licensing by ensuring that the needs of our society are reflected in the approach of NICE and other regulatory bodies; promoting investment into upscaling UK life sciences manufacturing; encouraging investment in vaccine, medicine and antibiotic medicine manufacturing plants; reviewing the relationship between research and development tax credits and manufacturing; and establishing a fellowship programme for scientists working on health conditions, such as cancer, so they can continue the research Trump has defunded in the US. We would also cut the cost of visas for researchers, as well as boost R&D funding to 3.5% through a decade-long programme of public investment. Rather than spending billions to pay off a bully in the White House, the Liberal Democrats would oppose the deal, develop a plan for our life sciences that reflects our national interest and invest money in vital frontline services that are in dire need of funding. The Institute for Fiscal Studies has indicated that the deal could cost as much as £9 billion by 2036. That money would be transformative for so much of the NHS: it would end corridor care, hire thousands more staff, buy countless radiotherapy machines, or deliver high-quality care and help for elderly and disabled people. Any choices over money spent in our NHS must be made by the British people, not Trump. It is unacceptable that Trump thinks he can meddle in our NHS, and, worse still, that the Prime Minister lets him. That is why the Liberal Democrats wrote to the Prime Minister in December, demanding that the deal was put before Parliament for a vote. If the Prime Minister cares as much about the NHS as he claims, I encourage him to set the record straight, show his true feelings on the deal and, at the very least, bring it before the House for approval. This House, and the voters who elected us, decide matters of national importance, not the White House. That is why the Liberal Democrats tabled new clause 76 to the Health Bill, which would bring the deal before the House for a vote. Any deal that diverts billions of pounds away from NHS frontline services must be subject to democratic process and parliamentary scrutiny.

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  33. ParliamentLib DemGideon Amos

    High Street Regeneration and Unlawful Storefronts

    It is a pleasure to serve with you in the Chair, Ms Vaz. I congratulate the hon. Member for Bromsgrove (Bradley Thomas) on introducing this important debate, on the constructive spirit in which he introduced the subject and on his generosity in taking interventions. My hon. Friend the Member for Mid Dunbartonshire (Susan Murray) rightly highlighted the issue of business rates; they need to be abolished and replaced with an entirely different system, which I will come back to. High streets are at the heart of our communities. In Taunton and Wellington we have a great range of independent traders, shopkeepers and hospitality businesses. Footfall in Taunton is up by 4.6%, which is way above the national average, in large part due to their efforts and work to promote the independent quarter and other parts of our town. However, they are struggling against the backdrop of energy costs, the difficult financial environment and those dishonest traders who do not play by the same rules as the rest of us. We cannot allow our high streets to become sites of decline. In Taunton, thanks to the team of councillors, trading standards officers and local police, a number of shops have rightly been shut down—a crackdown that I called for and supported when it happened. Although I am encouraged by the Government’s measures on closures, they must go further on this issue. I reiterate the call I made on behalf of the Liberal Democrats in this Chamber a few weeks ago: there need to be greater powers for police officers to issue closure orders more swiftly and permanently close down repeat offenders and, as other hon. Members raised, measures need to be taken against dodgy landlords who knowingly and repeatedly let their premises to illegal traders. All those changes must come alongside investment in proper community policing to curb not only that kind of activity, but antisocial behaviour and shoplifting, which drive customers away. The Liberal Democrats would call on the National Crime Agency to establish a dedicated unit to tackle organised shoplifting gangs and give small businesses the tools they need to protect themselves. Several hon. Members rightly raised planning controls. Someone walking down many of our high streets will find units that are technically occupied and trading but with shop windows deliberately blacked out with various coverings. It is a simple point, but a shop usually has a shop window and a display, not an opaque screen hiding the internal activities from view. The window on to the street provides natural surveillance into and out from the premises. It is an invitation to the customer, and what makes the high street feel alive—it is part of its aesthetic appeal. Although it is difficult to quantify, that is incredibly valuable to the vitality that makes our town centres places where people want to go. Planning enforcement could be used to enforce that principle. If a business converts its shopfront into a blank wall or an entirely blacked-out façade, it is no longer operating as a retail unit in the traditional sense of the word. Planning use classes A and E define what a shop is, and both those classes include several mentions of a display. With an amendment to the guidance to clarify that one feature of a shop is a display of some sort or a shop window, enforcement action could be taken, and a stop notice could be issued under the Planning Act 2008, requiring unauthorised use to end. I urge the Government to include that measure in their review of powers, as well as addressing the issue of illuminated signs, which was raised by several hon. Members. We should all recognise that antisocial behaviour can be deeply traumatising; as well as bringing back proper community policing, the Liberal Democrats want more use of directly employed community safety wardens, and mobile CCTV to enforce localised issues such as fly-tipping and harassment. However, enforcement alone will not regenerate a high street. In Taunton and Wellington, I often speak to local traders who offer brilliant products and services, but they are under massive pressure to make ends meet, given the cost pressures and tax increases that have been levied. The Government increases in employers national insurance are a jobs tax, and they hit businesses hardest. That is why the Liberal Democrats oppose them at every opportunity. I call on the Minister to lobby the Treasury to reverse those increases and take more costs off our small businesses, which are the backbone of the UK economy and its single biggest sector. In some cases, business rates now exceed rents and squeeze out the independent businesses that give high streets their character. Our long-standing position is clear: replace business rates with a system of commercial landowner levy, based on land value rather than capital value, thereby shifting the burden from tenants to landowners and prioritising high streets in the process, stimulating the investment that we need. It is no matter how nice our high streets are if people cannot visit them, so we have called for bus fares to be cut to £1 for all. A family of four making a trip into Taunton from a nearby village have spent a significant sum at £3 each before they have spent a penny in a local shop. Homes above shops also have a transformative role, putting more people on to our high streets day and evening, weekday and weekend. The current policy framework allows for that, but shop owners often have neither the time, expertise or resources to navigate the system. We need more support for them to covert those spaces into residential use. In conclusion, the Liberal Democrat asks are clear: swifter, stronger closure orders; penalties for landlords who turn a blind eye; planning enforcement against opaque store fronts; the reversal of employer national insurance rises; bus fares cut to £1; and more help to unlock homes above shops. Our great traders and small businesses deserve that support, and they will repay it in bucket loads if we give it to them.

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  34. ParliamentLib DemGideon Amos

    Draft Town and Country Planning (Discharge of Local Planning Authority Functions) (England) Regulations 2026

    It is a pleasure to serve with you in the Chair, Sir Desmond. The only certainty that consigning applications to officers will bring is a greater certainty of refusal. Officers refuse a greater proportion of planning applications than planning committees, which is not an argument in favour of the draft regulations.

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  35. ParliamentLib DemGideon Amos

    Draft Town and Country Planning (Discharge of Local Planning Authority Functions) (England) Regulations 2026

    I will give two examples that have a bearing on the hon. Gentleman’s point momentarily. The Liberal Democrats have supported elements of the Government’s reforms. We supported the housing measures in the Renters’ Rights Act 2025, and we support the principle of strategic planning. We also have no objection to a standard scheme of delegation or an upper limit on the size of planning committees. However, we do not accept that decisions must—the word “must” is used several times in the draft regulations—be taken away from elected councillors such that councils will approve decisions in cases where every single councillor disagrees, and the council’s name will still be on that decision. How can that be just? How can that be right? The delivery of new homes is important. In particular, our target for social homes is higher than the Government’s, as we would aspire to deliver 150,000 per year, and we would allocate funding in that direction. Many of the measures that the Government are bringing forward seem to be directed at increasing planning permissions, largely for private sector housing, which many people in my constituency cannot and will not be able to afford. There is also little evidence that increasing planning permissions will reduce house prices—in fact, that has never happened, and it never will. Of course, house builders work on a commercial model in which they need to sustain their price to make their profit, which is an entirely reasonably approach. Recent other changes also seem to be bearing in this direction. Councillors have already been removed from making a free decision on developments for over 150 homes; they cannot refuse them unless they first go cap in hand to the Minister and ask whether that is okay. Under that recently introduced direction, they lost their ability to decide on applications over 150 homes, and under the draft regulations, they will also lose their ability to decide on smaller applications. Guidance on the draft regulations would be a good thing, but this is not about guidance—the key word is “must”. The Minister referred to democratic oversight, but that will be removed unless the draft regulations are defeated. There is absolutely no question of any democratic oversight in any of these decisions. Two examples came to my mind. One does not have to spend a lot of time as a member of a planning committee to come across applications where officers recommend a cautious refusal, but members of the committee then overturn that decision. I dealt with one in Wiltshire many years ago where an owner wanted to divide a large house into two by blocking up two doorways. The planning officer and the senior planning officer were adamant that this would create a new dwelling in the open countryside and so must be refused, and they would listen to no other representations. With the support of local councillors, it was taken to the planning committee and the planning committee unanimously approved the application to create an additional dwelling and increase the housing supply. When I spoke to the chair of my local planning committee in Somerset recently, I heard about a similar example just outside my constituency where officers were recommending a refusal, but members overturned that decision and the housing was granted. That will not be possible under the draft regulations, and applicants will have nowhere to go. Whether they are local residents or local builders, they will not be able to do anything. They will be allowed to contact their councillors, but their councillors will turn around and say, “Even though I’ve been elected as a councillor, I cannot have any say or effect over this council decision. It has been taken away from me by the regulations.”

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  36. ParliamentLib DemGideon Amos

    Draft Town and Country Planning (Discharge of Local Planning Authority Functions) (England) Regulations 2026

    The hon. Gentleman makes a good point about the importance of close working between councillors and officers, and I do not deny it, but the planning committees and the national scheme of delegation consultation outcome document is crystal clear, and I am grateful to him for allowing me the opportunity to quote it. It says in paragraph 17: “Nominated officers and nominated members should make every effort to reach agreement on which cases should be referred to committee.” Of course, that is only in schedule 2 applications; in schedule 1 applications, there is no opportunity for councillors to have a word with the officers and have the application referred to committee, but in schedule 2 applications there would be. The consultation outcome document goes on to state: “However, where agreement is not possible, the case must be delegated to officers under regulation 5(3).” The questions raised by the Opposition spokesperson, the hon. Member for Orpington, about whether officers will be required to prepare the same registers of interest and to be subject to the same degree of openness and accountability that councillors have to have are well put. In our view, the draft regulations dangerously undermine democratic accountability—in fact, they remove it altogether—and leave the way open for those who will say, “It doesn’t matter how you vote or what you think—it has no effect.” The regulations will extend that principle to councillors and their powers: it does not matter what they think or what they say; they will not be allowed to affect decisions that are taken in their name and the name of their council. We will be pressing the regulations to a Division if the Opposition do not. Every councillor will regret these changes.

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  37. ParliamentLib DemGideon Amos

    Draft Town and Country Planning (Discharge of Local Planning Authority Functions) (England) Regulations 2026

    The Minister is being generous in giving way. As he knows, we fundamentally disagree with these proposals. He has just illustrated the point that councillors will be reduced to the same role as members of the public: they may make representations, but that is it.

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  38. ParliamentLib DemEdward Morello

    Financial Inclusion: Young People

    It is a honour to serve under your chairship, Sir John. My first job was on the deli counter of my local supermarket. I congratulate the hon. Member for Hertford and Stortford (Josh Dean) on securing this important debate. In the middle of a cost of living crisis, whether a young person knows how to manage their money, can afford to stay in education, can access affordable financial services and advice they can trust, can avoid problem debt and can build a secure future has never mattered more. Young people are facing challenges that previous generations did not. Money has changed. For previous generations, it was coins in a pocket or cash in a wallet. Today it is numbers on a screen—online banking, apps, digital wallets, “buy now, pay later” schemes, cryptocurrency and social media influencers offering financial advice that often benefits themselves rather than the young people following them. We assume that because young people are comfortable with technology they are financially literate, but those are not the same things. The Milburn review laid out the importance of financial inclusion for young people. Between January and March of this year, 1.01 million people between the ages of 16 and 24 were not in education, employment or training. The number of young adults regularly relying on borrowing has increased by 45% in just one year. Many are using unsecured loans and buy now, pay later products to cover everyday essentials, while one in five were employed on zero-hours contracts, making it almost impossible to budget or save. This is not just about people on the lowest incomes; it is increasingly affecting younger people who are working hard but cannot get ahead. The challenges are even greater in rural constituencies such as West Dorset. Financial inclusion depends on being able to access financial services, yet facilities that make this possible—bank branches, cash machines and post offices—are disappearing fastest from rural communities because they are considered commercially unviable. Meanwhile, our communities are expected to embrace digital banking despite persistent mobile phone and broadband blackspots in villages such as Drimpton, Burton Bradstock and Stoke Abbott. Across the country, 1 million people have cancelled internet packages because of the cost of living crisis. Digital banking cannot be the answer if people cannot get online. True financial inclusion should be about giving people the confidence and knowledge to make informed decisions throughout their lives, yet less than half of children receive meaningful financial education either at home or in school. Nearly one quarter of young adults have low financial capability. Most children say that they would ask their parents’ financial advice, yet only about half of parents feel confident having those conversations. Financial education should become a core life skill, taught from primary school onwards. Every young person should leave school with an understanding of budgeting, saving, borrowing, mortgages, pensions, taxation, credit scores, fraud and the long-term consequences of debt. Those are skills that will benefit them throughout their lives. Financial education should not stop when the school day ends. Family hubs, community hubs and banking hubs could and should become centres of financial guidance, not just financial services. Parents and carers should receive greater support because they remain the single biggest influence on their children’s financial behaviour. We must also recognise the growing risk facing financially excluded households. An estimated 2 million people are now borrowing from illegal moneylenders—an increase of about half a million since 2022. More people are turning to payday loans simply to pay their rent or mortgage. That is not sustainable and we must do better. We must ensure that everyone has access to appropriate and affordable financial services, regardless of where they live, and can access affordable credit and independent debt advice before they reach crisis point. For constituencies such as West Dorset, financial inclusion is also about opportunity. It determines whether a young person can take up an apprenticeship, manage their first wage, avoid exploitative lending and build financial independence. When we fail to equip young people with the skills and services they need to manage their money, we do not simply leave them financially excluded; we rob them of opportunity itself.

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  39. ParliamentLib DemDr Danny Chambers

    Health Bill (Eighth sitting)

    It is an honour to serve under your chairship, Sir Jeremy. I have been itching to speak on this new clause, tabled in the name of my hon. Friend the Member for Epsom and Ewell (Helen Maguire)—I am not sure how to pronounce that, but I am sure it is a very beautiful place; I have never been. It would ensure that a certain range of primary care providers were consulted by integrated care boards in the development of the healthcare plans. The recent King’s Fund report, as well as many others, showed that over 90% of NHS contact with patients is in primary care in all its forms. New clause 70 relates to new clause 60, also tabled by my hon. Friend, which is about having GP representation on integrated care boards. This is an extension of that, so that dentists, pharmacy contractors and providers of ophthalmic services can all feed into integrated care boards’ healthcare plans. That is how most people come into contact with the NHS, which means that those providers have a close and deep understanding of the healthcare issues facing the demographics in their communities.

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  40. ParliamentLib DemDr Danny Chambers

    Health Bill (Eighth sitting)

    The hon. Lady makes a good point. The purpose is to ensure that those who are deeply embedded in community care are consulted by the ICBs, so that they do not miss obvious localised issues in their demographics when developing care plans. Just to give a brief example from a surgery I held recently, Joanne Cook is an occupational therapist who is campaigning for occupational therapists who have received specific training to be able to prescribe, and crucially de-prescribe, medications, in the same way that trained paramedics can. Often, occupational therapists see patients on a daily basis. They give them intimate and regular care, and are even better placed than GPs to notice small changes and adjust medications to keep people out of hospital. If integrated care boards are not drawing on the experience, knowledge and data from primary care providers in all their forms, any healthcare plans they come up with will not be relevant to those demographics. We will not be keeping people out of hospital or treating them as effectively in the community, and the whole system will not be as efficient or as targeted as it could be. I would appreciate it if the Minister considered accepting the new clause.

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