Financial Guidance and Claims Bill [HL]

Baroness Coussins Excerpts

2nd reading (Hansard): House of Lords
Wednesday 5th July 2017 Lords Chamber

[Baroness Coussins (CB)]

My Lords, I am grateful for the opportunity to speak on this important Bill and begin by declaring my interest as president of the Money Advice Trust, a charity which is one of the UK’s major providers of free debt advice—and I believe that it is advice, in the very best sense of the word, and is absolutely people-focused. As other noble Lords may be aware, the trust runs the National Debtline and Business Debtline, which provide vital free advice and support to individuals and small business owners struggling with unmanageable debt. Last year, the trust helped almost 200,000 people by phone and webchat, and had more than 1.3 million visits to its websites. Some of that work is funded by the Money Advice Service, including through an important partnership with Citizens Advice.

I strongly support the creation of a single financial guidance body, bringing together provision of debt advice, money guidance and pensions guidance, and welcome the inclusion in the Bill of a standards-setting function in all three areas. The role of the Department for Work and Pensions as the lead department for the SFGB is also welcome, especially given the creation last month of a dedicated ministerial brief for financial inclusion in that department. But I would like briefly to raise three issues relating to Part 1 of the Bill, and I hope the Minister will be able to offer assurances on these when she comes to reply.

The first issue is the need to ensure sufficient supply of free debt advice, at a time when a large number of households are not receiving the free advice they need, and when debt charities are seeing an increasing demand for their services. The combination of rising inflation, slow wage growth and a significant surge in household borrowing means that demand is likely to continue to increase, so there is clearly a need for increased funding for debt advice. Funding currently comes from a levy on financial services. I encourage the Government to explore widening that funding base, particularly as debt advice services are increasingly dealing with debts and arrears relating to utility bills, and also from the public sector itself. I would welcome a commitment from the Minister that the Government intend to address the gap between supply and demand for debt advice as a key priority.

The second issue relates to the ring-fencing of levy funding for debt advice in the new arrangements. As I understand it, there has been the suggestion that the SFGB will enjoy greater flexibility in the use of levy funding than is currently the case with the Money Advice Service. I hope that the Minister can understand that there is considerable concern about this in the advice sector, given the increasing demand that I have outlined. I would be grateful if she could offer an assurance that there will be an appropriate ring-fence around debt advice funding in the new arrangements, including in the case of the devolved Administrations.

The third issue is the nature of the debt advice that the SFGB will provide through its delivery partners. The continuation of the current commissioning approach for debt advice is welcome but, in my view, it is important that it is restricted to free-to-client, not-for-profit advice agencies only. The noble Lord, Lord Sharkey, touched on that issue. I believe strongly that no one in financial difficulty should have to pay for debt advice, and no financial gain should be made from people seeking government-backed help, whether that gain is direct or indirect. The commissioning of commercial providers by the new body, even where the activity being commissioned may be free to the client, risks undermining this principle. Clause 5 provides a mechanism through which this restriction could be implemented, through the Secretary of State’s power to issue guidance and directions to the SFGB on the exercise of its functions. I would welcome the Minister’s view on whether the Secretary of State would consider this approach.

On these three issues, there is much that the Government can do to offer reassurances that the SFGB will take the right approach for people in debt. I hope that the Minister will take this opportunity to do so this evening.

Violence Against Women

Baroness Coussins Excerpts

Monday 9th December 2013 Grand Committee

[Baroness Coussins (CB)]

My Lords, I am grateful for the opportunity to contribute to this debate, and will focus my remarks on Colombia and Peru. I declare my interests as president of the Peru Support Group and as a volunteer with VSO’s parliamentary volunteering programme in Peru two years ago, where I worked with various NGOs concerned with sexual violence and held meetings with members of the then new Government, as well as the police, judiciary and British companies operating in Peru. I am also associated with the ABColombia Group in the UK and a few days ago chaired its conference on Women, Conflict-Related Violence and the Peace Process in Colombia, which was attended by the representatives of the Foreign and Commonwealth Office, the acting Colombian ambassador and some brave victims of sexual violence, who flew over especially, and about 100 activists, academics and others.

It is important to understand the social and cultural context of sexual violence in conflict zones. Women face historical, ingrained attitudes of gender discrimination and economic, social and political marginalisation, as we have already heard. This creates a permissive context for violence against women, which is exacerbated by conflict. We see this today in Colombia, and it was a major issue in the Peruvian conflict between 1980 and 2000. Both conflicts have made widespread and systematic use of women’s bodies as a weapon of war, particularly affecting poor, indigenous and Afro-descendent women.

In Colombia, sexual violence is perpetrated by all armed actors in the conflict, both state and non-state forces. The Constitutional Court of Colombia and the International Criminal Court have expressed grave concerns about the high levels of conflict-related sexual violence, describing it as,

“habitual, extensive, systematic and invisible”.

There is almost total impunity for this type of violence. One survey covering a nine-year period from 2000 estimated that nearly 13,000 women were victims of conflict rape; more than 1,500 were forced into prostitution; and there were more than 4,000 forced pregnancies and nearly 2,000 forced abortions. Yet only 18% of Colombian women actually report this crime, and there is very little hope of that improving, given the dangers that they face, the social stigma and the involvement of the security forces.

As we know, UN Security Council Resolution 1325 states that conflict-related sexual violence should be on the peace process agenda from day one; yet it is still not on the Colombian agenda, despite peace talks having started there in November 2012. In Peru, we have also seen the systematic nature of sexual violence committed by both state forces and Shining Path rebels during the internal conflict. The perpetrators could have been tried for crimes against humanity, but instead the judicial system has chosen to treat it as a common crime. Although the Truth and Reconciliation Commission concluded that military commanders were responsible for the majority of conflict-related sexual violence, these crimes remain unpunished.

None of the 538 cases documented by the Truth and Reconciliation Commission has reached trial. The military refuses to release information that could be used as evidence, while the police and judiciary are inefficient and underresourced. Impunity for conflict crimes contributes to the sustained high levels of violence against women today. Most of the victims were members of marginalised indigenous communities, indicating the links between violence, poverty and racial discrimination. These same groups were also the main victims of a mass programme of sterilisation without consent during the 1990s. As yet, there has been no redress for that to the estimated 200,000 victims.

At least one case awaits trial at the Inter-American Court of Human Rights concerning the arbitrary arrest, rape and torture by state agents of Gladys Carol Espinoza in 1993. This case was referred after the Inter-American Commission on Human Rights ruled that the Peruvian state had failed to meet its obligations to prevent and punish torture. Would it be possible for Her Majesty’s Government to do more to press Peru to comply with the rulings of the Inter-American court?

I welcome the Government's PSVI programme, but ask that a special effort be made not to overlook Colombia and Peru and elsewhere in Latin America. I was disappointed that Colombia was not designated as a priority country when the PSVI was first announced. I would appreciate it if the Minister could say something about how the UK could support the survivors of conflict-related sexual violence in these countries, including support for the human rights defenders who try to help them on the ground but who themselves are so often also in jeopardy.

At the conference here last week, we were pleased to hear the Foreign Office representatives announce a government conference for next June on this whole subject. I congratulate the Government on that initiative, but could they commit to ensuring that there will be speakers from civil society women’s organisations and guarantee that Colombia and Peru will be explicitly covered on the agenda?

I want to make a brief point about how the issue of sexual violence relates to the recent free trade agreement between the EU, Colombia and Peru, which was debated in this Room only last week. In the light of today’s debate, would the Minister undertake to press for a gender perspective to be adopted in the monitoring and implementation of the human rights and labour standards elements of the trade agreement, given the levels of discrimination arising from sexual violence in these countries?