Pensions Dashboard

Debate between David Drew and Jim Shannon

Wednesday 6th February 2019 Westminster Hall

[Jim Shannon (Strangford) (DUP)]

It is a pleasure to speak in this debate, and I congratulate the hon. Member for Hendon (Dr Offord) on securing it. I am happy to make a comment within the timescale that you have set out, Mrs Ryan,

Pensions are a thorny issue; many people made their financial plans based on the promise of a pension that has not materialised. There are also those who invested, only to lose their money and get only 30p in the pound of their investment, but that is a debate for another day; in fact, we had a debate on that last Thursday in the main Chamber; it was on Equitable Life, and those who had paid into a pension but did not get their money. It is easy to understand the concerns that some of us have about people’s need for a pension; the hon. Gentleman referred to the need for a pensions dashboard.

I can well recall—although it was not yesterday—my mum taking me down to the Northern Bank, as it was, to open my first account when I was 16. I also remember that when I turned 18, she took me to fill in the policy with the insurance man and said, “Make sure you’re putting money aside every month for that purpose.” That was thriftiness, but it was also really good direction from my mum, as always, because it was important that we knew why we did those things. I am a wee bit older now, and I am glad that I signed up for those things many years ago, because I will benefit from them in the years ahead.

Today’s debate is an attempt to ensure that people are not left in the lurch in the way that women born in the 1950s and the Equitable Life savers have been. It is an issue that it is certainly worth people considering if they are working hard and seeking to invest, so that someday they do not have to work, but can enjoy life without having to miss out on the things that they have while working a nine-to-five job. It is my sincere hope and desire that the work that the Treasury Committee and others are doing to prevent another Equitable Life scandal will be successful, but irrespective of that, a dashboard with real-time information has to be useful for those who are planning their future, as the hon. Gentleman said.

I must say that the key decisions that came from the Government consultation give rise to some concern. One concern relates to data security. The fact that all financials are held and accessible by the industry independently raises concern. I hope the Minister can reassure me on that. My concern is heightened by the breach in Independent Parliamentary Standards Authority data security, which led to the addresses of my staff members being released. That shook our office and caused great concern, given that we hail from a political party in Northern Ireland, and given its history. Such data security breaches underline my concerns. The Government must ensure that there are guidelines in place to reassure people, including my constituents and me.

I also have grave concerns regarding proposals that would result in pension fund members being targeted by those who want their business. Although I agree that multiple dashboards would improve consumer choice, it is essential that alongside those—I think the hon. Gentleman referred to this—there be a non-commercial dashboard, hosted by the single financial guidance body, and offering an impartial service to those who prefer that, or who may not want to be targeted by the market. We must cover all choices and tastes.

Another essential issue for me is that the cost of this dashboard should not hit the pension or the consumers; there should rather be an obligation on the industry to bear the cost. Although the autumn Budget has made available funding for 2019-20 to facilitate the industry’s making dashboards a reality, it is clear that that is to get the dashboard on its feet, as opposed to making it a Government service. That is another consideration.

I am conscious of time, so I will conclude with this point. In principle, I support the idea of people having greater knowledge of their financial status. There are so many people who come into my office with their pension annual statement, not understanding what it means—not only older people, but young career people who have been made to sign up to a pension, but have no idea what the money that they pay, or their employer pays, is used for. It is surprising how many people do not know.

[Dr David Drew (Stroud) (Lab/Co-op)]

That is why we need proper enterprise education in schools. Does the hon. Gentleman agree that that is when it should start, and that it should not end until people enter the workplace?

[Jim Shannon]

I thank the hon. Gentleman; just as the hon. Member for Hendon thought that someone had read his script, my next words are on the very subject to which the hon. Gentleman refers. The subject is not covered in school, but it clearly should be, because these young people literally have no idea what their pension means. He is absolutely right, and his intervention underlines the responsibilities that we have a duty to perform. I sincerely believe that a pension dashboard can help this generation, but the safety and security of financial information is paramount.

I look forward to the Minister’s response; I feel that some of the assurances I have sought in this small contribution are assurances that he can provide, and if he does, he will set a lot of minds at rest.

Private Probation Services

Debate between David Drew and Jim Shannon

Tuesday 27th February 2018 Westminster Hall

[Jim Shannon (Strangford) (DUP)]

It is a pleasure to serve under your chairmanship, Ms McDonagh. I apologise to the hon. Member for Darlington (Jenny Chapman), who I thought would have been called before me. We will hear her comments later on.

We do not have private probation services in Northern Ireland, but I have been sent some information and I want to add constructively to the debate if I can. I will focus on the individuals and how they can be rehabilitated in prison, as well as the family units. It is important that we focus on the effects on all the people.

I thank the hon. Member for Lewisham West and Penge (Ellie Reeves) for securing this debate and for setting the scene so well, as she always does. The issue does not directly affect Northern Ireland, yet there are lessons to be learned for all the regions of the United Kingdom of Great Britain and Northern Ireland. We have a prison system groaning under the weight of the pressures on it. We have a judicial system that is extremely aware that it can imprison only if it is essential, because there is no room. We have a probation system that is still failing to rehabilitate prisoners, to the detriment of every member of society. I am not here to point the finger at the Department or the Minister. That is not my form; but neither is it my form to ignore issues that have been raised. That is why we are all here today, and Members have put forward pertinent points in their contributions and interventions.

There is an issue with the new system that needs to be addressed. I say that not to score political points or to demonstrate that my ideas are better than those of others; we simply have to do the best we can by offenders. We need to put in place structures that support them. Through that, we can help to prevent reoffending. The issues with reoffending are important.

[Dr Drew]

Would the hon. Gentleman accept that one of the fundamental failings is the lack of continuity between what happens in prison, where there is a need for people to be properly rehabilitated and prepared for release, and what happens afterwards? If my area is anything to go by, there is no overlap; things have to start again as soon as people are released. That means that offenders and ex-offenders feel completely let down.

[Jim Shannon]

I thank the hon. Gentleman for his intervention. I will touch on that issue, because it is important that we have that follow on. What happens next after someone gets out of prison is a clear issue.

It is sometimes easy to fall into a mentality of seeing those in prison as lost causes, but that is not something I believe at all. I believe that all people can make mistakes and that they can put right those mistakes and become contributors to their communities again. The hon. Gentleman and others have referred to that. I know a few good men who society washed their hands of during the troubles in Northern Ireland, yet they were given the opportunity by one tender-hearted person and are now upstanding pillars of the community. People can change, and we have a responsibility to enable that change to take place. It may not work for every individual, but it can work for a great many. I know people who have changed. That is the reality. We need to focus on what can be achieved and how we can achieve it. That has to be our goal and purpose.

I was surprised to learn that one in 10 people in England and Wales are released back to their community without a roof over their head. That simply should not be. They should not be released with a metaphorical boot to the backside, without so much as a by-your-leave. In some cases, that seems to be the way it is, and it is hard to understand why. We must ensure that they not only have somewhere to sleep the day they come home, but that they have something meaningful to achieve the next morning. We have a rehabilitation process for people to go through when they are in prison and when they get out. If they are going home to nothing, it is little wonder that it is so easy to get into the same routine. We must ask how we can do things differently. How can we get these men and women involved in our society in a meaningful and helpful way?

Thus far, the private probation services have been unable to make a difference. I do not want to be unduly critical, but that is what the evidential base indicates. Indeed, some reports indicate that incidences of reoccurrence have intensified. If they are intensifying, as was referred to in an intervention, that may be because a phone call does not achieve what a meeting or appointment can. I suggest to the Minister that it should be a meeting or appointment. That is more constructive and face-to-face, and it can make changes. Printing off a housing form does not achieve the results that attending the housing executive—in England, it is the local council—does. We should not mollycoddle these people, but if we believe in the justice system at all, we believe they have paid their debt to society and deserve help to find their way in a different world. We should encourage them to do so.

I also think of the children and families of offenders. It is essential that follow-up services are provided for the sake of those nearest and dearest to them. A report by the Joseph Rowntree Foundation highlighted that prisoners’ families were vulnerable to financial instability, poverty, debt and potential housing disruption following the imprisonment of a family member. It can be easy to forget that these issues affect not just the individual, but the whole family unit. The report found that families subsidised imprisonment by sending prisoners money, clothing and electronic goods. The responsibility to help those in prison financially often falls to a great extent on families. Disadvantage associated with imprisonment includes high rates of depression—sometimes the health spin-offs are not taken on board—physical illness, housing disruption and, for families of foreign national prisoners, permanent separation after deportation. Again, that is perhaps not an issue for this debate, but it is certainly something that the system should address.

The report also highlighted how prisoners’ partners and mothers prioritised the care needs of children above household income, and there is an impact on children at school, where we know that peer pressure can be difficult. Barriers to employment were magnified for those caring for prisoners’ children. The complications are enormous. When someone comes out of prison to a family under such strain and pressure, it is easy to see how they could go back to their old ways, not understanding that breaking the cycle will help to heal the hurt that their family is going through. That should be taken into consideration and should be a priority for the Government when discussing how to rehabilitate prisoners successfully. That should be our goal. I know the Minister wants that, as we all do in this House.

To conclude, I cannot say how the shortfall has come about, but we must all acknowledge—as Members who have contributed so far have indicated—that there is a definite shortfall that we must address for our communities. I hope the Minister, whom we all respect highly, will tell us how he intends to do that, either in the new private system or by taking back the reins, which is what I think the Members here want. Decisions need to be made, and for the sake of our family units we must ensure that changes are made as a matter of urgency.

Local Authority Housing

Debate between David Drew and Jim Shannon

Wednesday 20th December 2017 Commons Chamber

[Dr Drew]

I totally accept that. The point I am making to the Minister is that Stroud has reached the cap. We are trying to do our bit to overcome the immediate housing problems in Stroud, and yet we are unable to build any more houses. The situation is made worse, however, by the fact that 70% of the money goes back to the Government whenever a unit of council accommodation is sold under right to buy. We have bought the stock, and we are trying to do our bit, but we face a borrowing cap that has been totally imposed on us without any consideration of the value of the asset that we have. Then, the Government still reap the benefits from our accommodation when units are sold, so I ask the Minister to consider that. If we are to be part of the solution, how is that an incentive? How is that fair? How is it in any way reasonable?

[Jim Shannon (Strangford) (DUP)]

I thank the hon. Gentleman for securing this debate. The situation is slightly different in my constituency back in Northern Ireland. Some 1,000 people are on the priority list, with some 4,000 on the list overall, so there is a real need for housing. One of the key sources of need in my constituency—I suspect things are the same in the hon. Gentleman’s constituency—comes from young married couples who cannot buy a house because houses are too dear, so they need social housing. Does the hon. Gentleman have the same problem in his area? Other than by building more social housing, which is what he and I want, how could the Government address the issue?

[Dr Drew]

Of course I want to build more social units. The leader of Stroud District Council—Councillor Steve Lydon, who is a good friend of mine—came to see the shadow Housing Minister and has written to the Prime Minister to ask for help with this particular problem. We are pleased to be a pilot area for business rates retention. That helps with the problem of potentially negative revenue support grants, which affected our ability to do some of the things that we would like to do with housing, but this is a different matter. This is about the housing revenue account and about allowing Stroud the freedom to go on and do what the Government want local authorities to do, which is to provide the answer to the immediate housing problems. This is about having the vision to look back and to look forward.

The last time we genuinely met housing targets was in the 1950s, when that well-known socialist Harold Macmillan was able to prove that public authority housing was the best way to deal with a housing crisis. He was convinced of that, and I am convinced that we can play our part.