Wales: Additional Financial Resources
Lord Touhig Excerpts(1 year, 3 months ago)
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Baroness Penn (Con)
As the noble Baroness will know, the Welsh Government do not receive Barnett on HS2 spending because rail infrastructure in Wales is a reserved matter and the UK Government continue to invest in rail infrastructure in both England and Wales.
Lord Touhig (Lab)
My Lords, perhaps I can help the Minister. She might care to suggest to her right honourable friend the Secretary of State for Wales that he has a word with my noble friend Lord Murphy of Torfaen, who, when Secretary of State for Wales, working with the then Chancellor Gordon Brown, invented something called “Barnett-plus”. In truth, with a little imagination you can put as much money in as you want with Barnett.
Baroness Penn (Con)
My Lords, I believe that the fiscal framework agreed in 2016 does that, and I am sure the noble Lord will welcome the fact that the latest spending review set the largest annual block grant in real terms of any spending review since the devolution Act of 1998.
Alcohol Duty Bands
Lord Touhig Excerpts(1 year, 3 months ago)
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Baroness Penn (Con)
The noble Lord is right to point to the fact that, under these reforms, lower-alcohol products—regardless of the type of alcohol product they are—will have a lower duty. That is a significant incentive to people. I am not sure about the other drivers of the higher prices that he referred to; that would have to be looked at more carefully.
Lord Touhig (Lab)
My Lords, alcohol misuse is one of the prime causes of domestic violence of men against women. Surely increasing the duty should be part of the overall package of trying to reduce that kind of action; making alcohol more expensive might contribute to that reduction.
Baroness Penn (Con)
Through making higher-strength drinks subject to higher duty, we are making alcohol more expensive in that way.
Financial Conduct Authority
Lord Touhig Excerpts(10 years, 6 months ago)
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Lord Touhig (Lab)
My Lords, the case of a man who defaulted on a payday loan of £120 and ended up owing £1,800 was raised by Chris Evans MP, my successor in the other place. The payday loan company in question made 330 attempts to take money from his bank account and charged him £5 on each occasion. They further demanded £178 in interest charges. Some of the tactics employed by the payday loan companies would shame the mafia. Is it not time that we treated them like the mafia, as criminals?
Lord Newby
My Lords, last week the Financial Conduct Authority published its first attempt to deal with the problem that the noble Lord raises. It is proposing that it should be possible only to roll over a loan twice and that if a consumer has a CPA with a loan shark—sorry, if it is a loan shark, it probably does not have any CPA—or an entirely reputable company, the number of payments that will be able to be taken under such an authority will be reduced to two. This will therefore deal pretty comprehensively with the specific type of issue raised by the noble Lord.
Welfare Benefits Up-rating Bill
Lord Touhig Excerpts(11 years, 2 months ago)
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Lord Touhig
My Lords, I am very pleased to follow the noble Lord, Lord Brooke of Sutton Mandeville. Some years ago he contested the parliamentary constituency of Bedwellty in the Conservative cause. It later became the constituency of Islwyn, which I had the privilege of representing for 15 years. I am sure that from his experiences in the Welsh valleys and the fact that his mother was Welsh, he will certainly know where I am coming from in this debate.
Although we all recognise the difficult economic climate in which decisions around benefits are being made, we must ensure that families are never left unable to afford the essential costs of daily living. Our priority must always be to ensure that those who face financial difficulty due to illness, disability, low pay or unemployment are still able to pay their rent, heat their homes, and feed their children; basic necessities which everyone in this Chamber takes for granted.
The Westminster Catholic Children's Society works with some of the poorest families in London. Its chief executive, Rosemary Keenan, recently said:
“It is hard for many of us to imagine what it is like for a mother to only have £1 left and know she still has to feed her children”.
Yet this is the case for an ever-growing number of parents. They are being forced to choose between turning on the heating or putting food on the table. Over the past year, we have witnessed a 44% rise in the number of families relying on emergency bed-and-breakfast accommodation after losing their homes, and a staggering 79% increase in the number of people visiting food banks.
By capping the up-rating of key benefits at less than half the rate of inflation, this mean-spirited Bill stands to further exacerbate the problems faced by some of the poorest people in our country. In short, it will widen the gap between family income and the price increases of basic commodities such food and fuel, further undermining people's ability to achieve decent living standards.
Kevin Flanagan, the director of St. Antony's Centre in Manchester, warns,
“We are already seeing increasing levels of family poverty and homelessness; any further real-term reduction of benefits will only worsen this situation”.
One particular concern widely held among the organisations working to support struggling families is the breakneck speed at which changes are being made. This Bill cannot and should not be considered in isolation; it comes as yet another blow to the poorest people, in a long line of already devastating cuts. Perhaps most worryingly, it comes at a stage when many key provisions of the Welfare Reform Act have yet to be implemented, including the capping of household benefits; cuts to council tax benefit; and new penalties for those deemed to be under-occupying social housing. The cumulative effect of these measures, which are being simultaneously thrust upon families this year, will create significant reductions to household incomes that are already under immense strain for many families. With such a widespread change under way, it is important that time is allowed for proper assessment and appropriate adjustments to be made.
However, the Government are already committed to further real-terms benefit cuts both for the immediate future and the next three years. It is irresponsible to legislate for a fixed annual increase of 1% when there can be no guarantee of how the rate of inflation will change between now and 2015. It is very possible that we will see families eventually facing an even bigger gap between incomes and prices in the years to come.
This rush to make short-term savings is not only unjust but economically unwise. It will inevitably increase homelessness, cause mental health problems for many and create higher personal debt. As a consequence, the cost of more family poverty will ultimately fall back on the taxpayer. This is not some Dickensian tale. In Britain in the 21st century, some 200,000 children will be pushed into poverty, growing up in unheated households or going to school hungry. They will face real risks to their education and health, which apart from the devastating human cost will almost certainly require expensive interventions by the state further down the line.
One particularly unpalatable aspect of the debate surrounding this legislation has been the rhetoric contributing to the isolation and stigmatisation of the vulnerable in our society. A number of noble Lords have spoken about this. Seeking to differentiate those in poverty as “deserving” or “undeserving” serves only to scapegoat those who are the victims of Britain’s stagnant economy. They are blamed. The implication is that if we did not have the people labelled “benefit scroungers”, everybody would be in work and the economy would be all right. This sort of rhetoric harms the vulnerable and clouds the fact that the majority of people who stand to be affected by the Bill are in fact hard-working men and women in low-paid jobs.
There are currently 6 million British workers in poverty. They rely on benefits to bridge the gap between a lower-than-living wage and rapidly rising living costs. These people will bear the brunt of the Bill when they are hit by real-terms cuts to their essential working tax credits and child tax credits. Furthermore, a below-inflation rise in benefits risks creating work disincentives, especially when working people face above-inflation rises in food and transport costs. For a worker receiving the minimum wage and facing a 4.2% rise in the cost of their commute, the Bill simply means that work will pay less than ever before. There are also more than 1 million disabled people who will be directly affected, adding to the pressures they already face from changes including the overhaul of the disability living allowance and the time-limiting of employment and support allowance.
The Government have consistently said that disability benefits are exempt from the 1% cap on benefit rises, yet the cap applies to employment and support allowance, which helps people who have barriers to work because of their disability. People with conditions like autism who are struggling to find work but who want to contribute will miss out under this legislation. Just 15% of adults with autism are in full-time work, yet research by the National Autistic Society shows that the vast majority want to work. Benefits for them are a necessity, not a luxury. The Government need to change their rhetoric to acknowledge the fundamental necessity of benefits to thousands of disabled people and their families up and down the country.
John Coleby, the director of St Joseph’s Pastoral Centre, which serves the Catholic Archdiocese of Westminster and provides specialist support to adults with learning difficulties, echoed the warning of many disability charities when he said that,
“the Bill should not be seen in isolation”,
from other cuts that were,
“creating a climate of uncertainty and fear”,
among disabled people for their future living standards and their independence, both of which are coming under increasing threat.
This debate has frequently and mistakenly been framed around the fairness of benefits rising faster than wages. It fails to acknowledge the fundamental issue at stake: namely, whether individuals and families are able to maintain their basic well-being. A comparison with wage increases is ultimately a false one to draw because in pounds and pence terms, families are struggling to make ends meet on a daily basis. The average weekly take-home pay in Britain is £395. That is five and a half times the jobseeker’s allowance of £71 and seven times the under-25s jobseeker’s allowance of £56.25. Faced with those differences, is anyone seriously suggesting that people labelled “benefit scroungers” would rather stay at home than be in work?
The average weekly shopping bill has risen by £5.66 in the past year alone, and is set to continue rising annually by at least 4%. Energy bills, too, have risen well above the rate of inflation, with the largest companies putting up prices by 7.6%. It is unthinkable that a mere 71 pence a week in jobseeker’s allowance, or a 99 pence a week rise in employment and support allowance, will come anywhere near bridging that gap. This is what a 1% rise means—71 pence and 99 pence—for people in these difficult circumstances.
Rather than focusing on misleading comparisons between benefits and wages, we should ensure that those who need support will still be able to afford the soaring costs of food, heating and accommodation. Overall, the impact of the Bill on vulnerable people and their families will be overwhelming. The decision to cap benefit increases so far below rising prices comes rapidly on the heels of a programme of widespread welfare cuts, the combined effect of which will further erode the ability of the lowest-income families to meet their daily living costs.
It is unjustifiable that parents and children will go hungry and that their homes will be put under threat through the misfortune of being ill, unemployed, disabled or simply working in low-paid jobs. The rush to make short-term savings will cause irreparable damage to those who are most in need of protection, and risks transforming our current economic challenges in this country into a very real poverty crisis.
Queen’s Speech
Lord Touhig Excerpts(11 years, 11 months ago)
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Lord Touhig
My Lords, soon after I was elected to the other place I was successful in the ballot to introduce a Private Member’s Bill and I promoted whistleblower protection. Unfortunately, my attempt to enact into law a Bill to protect whistleblowers was unsuccessful in 1996, but I was glad that the Bill was later taken up by Richard Shepherd, MP, and in 1998 the Public Interest Disclosure Act became law.
The Act gave protection to individuals who make certain disclosures of information in the public interest and it allowed such individuals to bring action in respect of victimisation. At that time, this country was the first to offer whistleblower protection to workers in all sectors, but over the years a number of legal loopholes have come to the fore and now the Act is ripe for review. I understand that the Government, rather than do this, intend to bring forward legislation this Session to remove just one of the loopholes by which workers complaining about their private employment rights can be protected.
While I support the premise of such an amendment, I worry that it will fail to address the underlying problem. I fear that it will be viewed as an obstacle to genuine and honest whistleblowers who will have to show that their concern is in the public interest. More than that, the amendment does not address the issue of private employment rights and will instead result in a field day for lawyers. In my view, the proposed amendment should form the basis of a wider consultation of business groups, trades unions and others to make sure that this law is fit for purpose.
That leads me to my main concern: that this is a missed opportunity to consult more widely on whether the Public Interest Disclosure Act 1998 is achieving its aim of protecting workers who raise concerns in the public interest. It will also deny us the chance to look more closely at workplace cultures that we might wish to promote in the future. Robert Francis, in his first report of the Mid Staffordshire NHS Foundation inquiry, highlighted the real difficulties that whistleblowers face when he said:
“It must not be forgotten what pressures can be applied to deter staff from coming forward, and how little it can take to dissuade nervous individuals from pursuing matters”.
A report by the Select Committee on Culture, Media and Sport in the other place into News International and phone hacking highlights the need to make sure that whistleblower protection in the UK is effective. If there is a poor corporate culture, real and effective protection needs to be offered to workers so that the alarm can be raised and the issued addressed before there is a public outcry.
I would like to draw attention to the areas within the legislation that could do with a closer look and a thorough public consultation. The first is that of vicarious liability. Two years ago, three nurses from a walk-in clinic raised concerns about a fellow nurse lying about their qualifications. However, the nurses were subject to bullying and harassment from co-workers. One of the nurses received a telephone call threatening to harm her daughter and to burn down her home. The case proceeded as far as the Court of Appeal, which found that vicarious liability does not exist in the Public Interest Disclosure Act, as it specifically does in discrimination law.
From the experience on the whistleblowing advice line run by Public Concern at Work, harassment and bullying by co-workers is not uncommon, and for protection to be lacking in this area is extremely problematic, as it means that whistleblowers could think that they are protected when they are not. One way of overcoming this would be to examine the framework of the Equality Act 2010.
The second issue relates to the scope of protection offered. Loopholes have been allowed to develop whereby student nurses, doctors, healthcare professionals and student social workers are not protected by the Public Interest Disclosure Act. These loopholes have meant that those who are new to the workplace will not speak up without being safe in the knowledge that they will be protected for raising their concerns. Instead they risk damaging their careers, and as a result we risk creating a culture of silence among the workers of tomorrow. I argue that the list of those covered needs to be revised to include non-executive directors, including public appointments, volunteers and job applicants.
Thirdly, there is the issue of gagging clauses found in compromise agreements and contracts. These prevent individuals from speaking up about wrongdoing. There are stories of increasing secrecy in particular sectors and heavy-handed lawyers giving the impression that individuals have signed a confidentiality agreement that prevents them speaking up about wrongdoing. This in itself is wrong in law, and the Government need to review how they might address this conundrum.
One high-profile example is the case of Dr Kim Holt, a doctor at Great Ormond Street, who was victimised after she and three other doctors wrote to management warning that staff shortages and poor record-keeping would lead to a tragedy. Six months later, her worst fears became reality when an inexperienced doctor who had replaced her at the clinic failed to spot that Baby Peter was the victim of serious physical abuse.
More needs to be done to promote the principles behind the Public Interest Disclosure Act and to prevent our public bodies giving the impression that those who leave their employment are never meant to raise these issues again. The Act needs a great deal more discussion and there needs to be more consultation on it. It is unsatisfactory if the Government wish to change the law without allowing for the widest possible consultation.
If we are to foster strong cultures of corporate accountability in the United Kingdom, it is only right that we ensure that we protect workers who raise concerns in the public interest and promote this protection so that raising concerns effectively becomes second nature for all those who work in Britain.
Working Tax Credits
Lord Touhig Excerpts(11 years, 11 months ago)
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Lord Touhig
To ask Her Majesty’s Government whether they will reconsider the changes to working tax credits.
The Commercial Secretary to the Treasury (Lord Sassoon)
My Lords, the changes to the working tax credit are necessary in order to tackle the record peacetime deficit which this Government inherited. Tax credit spending increased to around £27 billion in 2010-11 and extended to those high up in the income distribution. This was unsustainable. The package of changes to tax credits introduced in April will save £4 billion in 2016-17 while ensuring that the most vulnerable are protected. For that reason, they will not be reconsidered.
Lord Touhig
My Lords, this year, more than 200,000 low income families who work less than 24 hours a week will lose thousands of pounds as a result of the withdrawal of the working tax credit. In the present economic situation, a great many employers are not able to offer these people extra hours. Does the Minister agree that the phrase “making work pay” must seem pretty hollow to these impoverished families? I plead with the Government to take an interest in the poorest in our society and do something about this group who desperately need our help.
Lord Sassoon
My Lords, what underlines this change and the need for it, as well as the unsustainability of the huge cost of working tax credits, is some of the unfairness and behavioural incentives in the system. This Government firmly believe that working people on low earnings should gain through money that they earn rather than from government subsidies. The switch from reducing reliance on benefits to increasing personal allowances is part of a significant change to getting more families to gain more from working than has been the case to date and for incentivising second earners into work. There was also a basic unfairness in the system as it was in that a single parent had to work 16 hours but a couple had to work only 16 hours between them. Therefore, underlying what the Government have announced are a fairness and an incentivisation and behavioural change that are very important.
Devolved Administrations: Financial Flexibility
Lord Touhig Excerpts(12 years, 5 months ago)
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Lord Sassoon
My Lords, as I have already explained, the Government inherited an extremely difficult deficit position. We took decisions that affected the whole of the United Kingdom and this one was consequential on decisions that needed to be taken to bring the deficit position under some sort of control so that departments were not completely without controls on their expenditure. After that, there were detailed discussions led by my right honourable friend the Chief Secretary, which led to the proposals which are the subject of this Question.
Lord Touhig
My Lords, the £400 million, to which the noble Lord, Lord Wigley, referred, could certainly help to sustain public services in Wales and boost the economy. Parliament has voted that money for the Welsh Assembly. Does the Minister not think that it is arrogance on the part of the Government to ignore the will of Parliament?
Lord Sassoon
My Lords, a lot of factors have to be taken into account in setting expenditure for the devolved Administrations, not least our favourite Barnett formula, but the fact remains that expenditure on a head-count basis in Wales will, in the present period, be some 12 per cent higher than the per head expenditure in the United Kingdom.
Banking: Government Shares
Lord Touhig Excerpts(12 years, 10 months ago)
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Lord Sassoon
My Lords, I will wait with interest to see what the final report of the independent commission led by Sir John Vickers says on that point but, as indicated in its interim report, it is at the heart of its deliberations. The Government await with interest its final report.
Lord Touhig
Is the Government’s holding in the banks listed in the National Asset Register, and, if not, why not? If it is listed, can the Minister tell us where it is, because I cannot find it?
Lord Sassoon
My Lords, I shall have a look at the National Asset Register myself when I get back to the Treasury and, if it is not there, I shall write to the noble Lord to explain why.
Credit Unions
Lord Touhig Excerpts(13 years, 1 month ago)
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Lord Sassoon
My Lords, it is very much at the forefront of the Government’s thinking in this area to make sure that all appropriate steps and options are available so that those at the more deprived end of the economic and social spectrum are not ripped off by loan sharks or whoever. The credit unions that we are talking about have a central role to play in that.
Lord Touhig
My Lords, when the Government end the social fund maternity grant for the birth of the second child in April, many poorer families will be tempted to turn to loan sharks to borrow money. Will the Government help these families by promoting credit unions as a better way to save and borrow? In asking that question I declare an interest as a member and president of the Islwyn Community Credit Union.
Lord Sassoon
My Lords, that is exactly what we are doing by bringing forward the various reforms that I have described, which will help to modernise and drive forward the credit union movement—a movement that now numbers some 760,000 members in Great Britain. In Northern Ireland, where the movement has a different history, it has some 400,000 members. We wish to see the total in the United Kingdom growing, which is why the measures that we are bringing forward will promote this area of financial activity.
Budget Responsibility and National Audit Bill [HL]
Lord Touhig Excerpts(13 years, 2 months ago)
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Lord Touhig
Lord Touhig
My Lords, I do not intend to detain your Lordships for very long because this is exactly the same amendment that we debated in Grand Committee on 9 December. I did not press the amendment or the argument at that time because I was greatly encouraged by the debate, and in particular by the response of the Minister who certainly seemed to be in listening mode on that occasion.
I was a little disappointed to receive a letter from the Minister dated 21 December, listing the amendment that he has tabled this afternoon. I refer to the Government’s Amendment 15. This says that the Public Accounts Commission will have a role in specifying who should be consulted by former Comptrollers and Auditors-General on possible future appointments that they might wish to take up. My amendment says that this advice should be given by the Advisory Committee on Business Appointments.
As I said, I do not wish to detain your Lordships, but I point out that the amendment is based on the 15th report of the Public Accounts Commission. My noble friend Lord McFall was a member of that commission when it reported in March 2008. It referred to the subsequent employment of former Comptrollers and Auditors-General and said that a,
“C&AG should be required under the terms of his or her contract to consult the Advisory Committee on Public Appointments”—
it should have been “on Business Appointments”—
“(currently chaired by Lord Mayhew) before accepting any employment whatever after leaving the post of C&AG and to abide by the decisions of that Committee”.
The advisory committee is now chaired by the noble Lord, Lord Lang of Monkton, and its remit is simple:
“The Advisory Committee on Business Appointments is an independent body which provides advice to the Prime Minister, the Foreign Secretary, or other Ministers if requested, on applications from the most senior Crown servants who wish to take up outside appointments within 2 years of leaving Crown service”.
That body has the experience and background to provide the proper advice for any senior civil servant who wishes to take up an appointment after leaving public service. It would in my view be the appropriate body to give advice to former Comptrollers and Auditors-General. For the life of me, I cannot understand why the Government have not accepted this. Perhaps the Minister might say why it is that the Government now want to involve the Public Accounts Commission—another layer in between the time when a former Comptroller and Auditor-General would have to consult before he can consider taking up some other appointment. It may well be that the Public Accounts Commission will say to that former Comptroller and Auditor-General, “You must seek advice from the Advisory Committee on Business Appointments”. I do not know why we do not go straight to that point in the first place. I had hoped that the Minister would have put that in his amendment. He has not done so and I should be grateful to hear his response.
Lord Sassoon
My Lords, I see the Chamber filling up. This amendment is clearly attracting a lot of interest but, just in case noble Lords have come for some other business, let me deal briefly at this stage with Amendment 15, together with Amendment 14 tabled by the noble Lord, Lord Touhig. Having reflected on the points made on this issue in Grand Committee, I agree that clarification is indeed merited on this question of the C&AG taking up future offices or appointments. That is why the Government’s Amendment 15 makes it clear that the Public Accounts Commission would specify the person or body, such as the Advisory Committee on Business Appointments, that a former Comptroller and Auditor-General should consult before he or she takes up another office or position having left the office of C&AG. We have come forward with that important clarification.
Amendment 14, tabled by the noble Lord, Lord Touhig, seeks to name the Advisory Committee on Business Appointments as the body that former C&AGs must consult. However, there is a difficulty in naming a particular body in legislation because names and responsibilities may change over time. The fact that the body recommended in the original report from the Public Accounts Commission is different from that in the amendment makes that very point. While we need to have a degree of clarification which was not in the original Bill, writing in a particular body that exists now but may not exist in time—and was not that recommended only a short time ago by the Public Accounts Commission—means that we need to have the balance of flexibility but the certainty that the Public Accounts Commission will nominate a body up front.
The Treasury has carried out a search to see whether we could find any similar requirement elsewhere in legislation. The only mention at all of the Advisory Committee on Business Appointments is in relation to the obligation placed on it under the Freedom of Information Act, so there is no equivalent hard-wiring in legislation of its other responsibilities to deal, for example, with appointments for former Ministers. We absolutely share the noble Lord’s desire that former C&AGs should not just listen to but take to heart the advice of the nominated adviser, just as Ministers and civil servants do. Perhaps it is relevant to say that my understanding of the position of the serving C&AG is that he would be willing to consult any independent authority that the commission nominates about any employment that he proposed to take up after leaving office. This was written into the letter of appointment that he signed before taking up office. What was not written into the letter was a requirement for the C&AG to abide by the decision of the independent authority. It was expected that the decision of that authority would be made public and that that would be sufficient to ensure compliance.
In respect of future C&AGs, I think it is fair that they should know which person they needed to consult at the start, before they take on the office. It is expected that the person to be consulted should be specified in the appointment letters of all future C&AGs, which would parallel the arrangements for Ministers and senior civil servants. The terms of the C&AG’s appointment are agreed between the chair of the Public Accounts Committee and the Treasury, on behalf of the Prime Minister, and would have to be signed off by the prospective C&AG before he or she takes up office. I believe that with the government amendment we are bringing forward, along with how I have described that it will work in reality, we have sufficiently covered all the bases intended by the noble Lord’s amendment without getting into a position where we might nominate a body that could be inappropriate in a number of years’ time. On the basis of that explanation, I ask the noble Lord to consider withdrawing his amendment.
Lord Touhig
I am grateful to the Minister because he is a man of his word: he has sought to clarify the matters that we discussed in Committee. He made a fair point in saying that, if we specify a body in legislation, that body could disappear or change with future legislation. The Public Accounts Commission referred to the Advisory Committee on Public Appointments, but I do not think that it even existed. I think that the commission was mistaken and that it should have referred to the Advisory Committee on Business Appointments. I suspect that ultimately we will reach the point that I have been arguing for and that it will in fact be the Advisory Committee on Business Appointments, although the Minister is going to take us on a bit of a route, going through the Public Accounts Commission, to get there. It is a bit like me travelling to Wales via Scotland but I am sure that we will get there in the end. I beg leave to withdraw the amendment.