Christmas Adjournment

Marion Fellows Excerpts

Thursday 20th December 2018 Westminster Hall

[Rachael Maskell]

We have many franchised post offices in York that are successful; but in the instance I am discussing, it is a poor decision.

As to access for Royal Mail, and for moving cash in and out of the post office, it has been suggested that a back alley can be used. There have been health and safety assessments of that process and it has been deemed unsafe, so that is a concern. Many York businesses bank at the post office and many business people say they are not willing to walk through a shop and join a queue to bank there. Therefore the move will pull business away from the post office.

[Marion Fellows (Motherwell and Wishaw) (SNP)]

The hon. Lady and I have both spoken at the all-party parliamentary group on post offices, and we are both aware of the paltry amounts that sub-postmasters are being paid, in particular to deal with banking transactions. Although Post Office Ltd is making huge profits, it is not passing them on to the people in the franchised sub-post offices that rely on that kind of work.

--- Later in debate ---

[Marion Fellows (Motherwell and Wishaw) (SNP)]

It is a real pleasure to serve under your chairmanship, Mr Robertson. I intend to do a quick run round the room and touch on what other hon. Members have spoken about, but I will make it short.

We owe the hon. Member for Gateshead (Ian Mearns), the Chair of the Backbench Business Committee, a debt of gratitude for his work throughout the year. He talked passionately about Gateshead. He even dragged me there—sorry; he arranged a visit to Gateshead for the Education Committee and I had a lovely time. I especially liked the wonderful Gateshead College.

The hon. Member for Southend West (Sir David Amess) had a long list of organisations in his constituency, and I will emulate him in a minute. He hopes to still be an MP at 100, by which time Southend may have reached city status.

The hon. Member for Mitcham and Morden (Siobhain McDonagh) talked about issues that affect all hon. Members present, such as housing, the effect of really expensive rents and the effect of universal credit, which has puts lots of people in our constituencies into debt.

The hon. Member for Beckenham (Bob Stewart) spoke about iso—

[Bob Stewart]

Isotretinoin.

[Marion Fellows]

I thank the hon. Gentleman. He spoke about the dangers that some young people, in particular, are going through as a result of using it. He really wants the drug to be reviewed and perhaps its use halted, to save people from the horrendous symptoms that they can experience.

The hon. Member for Keighley (John Grogan) spoke about rugby league. Yes, I remember it when I was growing up; I remember Eddie Waring and Keighley in their heyday. I know that he spoke about other things, too, but I really have to move on.

The hon. Member for Harrow East (Bob Blackman) gave us a very sobering reflection on religious freedom and how important it is in this country. He talked about Jainism, about Sikhs and about the problem of getting religious information on censuses.

I was quite horrified to hear about the wildcats on “Good Morning Scotland” this morning. As the hon. Member for East Lothian (Martin Whitfield) said, they have been interbreeding with feral cats, which is an animal welfare issue. He also talked about Brexit and universal credit.

The hon. Member for Cleethorpes (Martin Vickers) gave a great summary of the previous speakers; he was probably much better at that than I am. I am grateful to him, in that respect, because I have been able to rush through some of the others. He also spoke very knowledgably about the work of his two local authorities, as well as speaking about Humber ports and direct rail connections.

The hon. Member for York Central (Rachael Maskell) spoke about post offices. As Members will know, I have a personal interest in them, having lost my own post office. The post office in Wishaw was closed for three weeks, because it was not possible to get another person to take over the sub-postmastership, which caused my constituents great suffering. She also spoke about NHS land and what happens to it, which is another real issue, as did the hon. Member for Stafford (Jeremy Lefroy), who also talked about drones. I cannot get an earlier flight from London City airport because what has happened at London Gatwick has had an impact right across the United Kingdom; it is really serious. He also talked about work overseas, especially in Africa, and I am grateful to him for some of the knowledge he gave me that I did not have beforehand.

I seriously hope that I have not missed anyone out. I will move on to the hon. Member for Glasgow North East (Mr Sweeney), who has had a very interesting time since he became an MP. He cut right through a number of things. He is an enthusiastic supporter of the Glasgow School of Art, which is in the constituency of my hon. Friend the Member for Glasgow Central (Alison Thewliss). His own constituency has the famous St Rollox rail works, which I know. My husband took me to Springburn on our honeymoon, to show me where he had been born and lived. However, when we turned the corner, we found that the building he had been born in had been demolished. I make light of it, but there is Springburn Museum for the hon. Gentleman’s delectation and delight, in which there is a picture of my husband on coronation day in 1953, watching his sisters in a race to celebrate the Queen’s coronation. I will not mention where I was then.

With your indulgence, Mr Robertson, I will mention my own constituency of Motherwell and Wishaw, of which I am extremely proud. It is a haven for refugees and has been since 1919. The first group that I can remember are the Lithuanian refugees who came over after the first world war. There have also been Polish refugees and, more recently, Congolese refugees, who were taken to Motherwell, and the Syrian refugees, who have also been placed and welcomed in my constituency. Indeed, when there was a move by some right-wing organisations to demonstrate against refugees being settled in Wishaw, I am very proud to say that many citizens of Wishaw stood at the bottom cross in Wishaw and campaigned for the refugees’ successful integration, which I believe is really happening. In Motherwell and Wishaw, when children of refugees go to school and meet local children, it becomes a real exercise in getting along together.

I will also talk a bit about what I did as an MP when I was first elected in 2015. We saw a need and we set up the Poverty Action Network, because we knew there were lots of local organisations fighting poverty and we wanted to bring them together and facilitate the exchange of ideas. We have the Basics food bank; St Vincent de Paul; Lanarkshire Links; Voluntary Action North Lanarkshire; Scottish Action for Mental Health; Neighbourhood Networks; Made4U in ML2; Citizens Advice; Motherwell Baptist Church; Safeguarding Communities—Reducing Offending, or Sacro; Women’s Aid; Routes to Work; Big Lottery Fund; Christians Against Poverty; The Haven; Lanarkshire Community Food and Health Partnership; North Lanarkshire Disability Forum; Alzheimer Scotland; Getting Better Together; NL Leisure; Motherwell Football Club Community Trust, because Motherwell is now a community-owned football club; Families Against Murder and Suicide; Chris’s House, which helps families who have suffered the suicide of a family member; Lanarkshire Cancer Care Trust, to which I am especially grateful as it transported my late husband to a hospice on a weekly basis; Community Care Scotland; North Lanarkshire Carers Together; Wishaw, Murdostoun and Fortissat Community Forum; South Wishaw Parish Church; Miracle Foundation, which provides parties and support for young children who have lost parents or other close relatives; Lanarkshire Baby Bank; One Parent Families Scotland; the Welfare Rights Team in North Lanarkshire Council; North Lanarkshire Partnership; Scottish Welfare Fund; NHS Lanarkshire; and Police Scotland, especially the police based in Motherwell.

[Mr Sweeney]

I loved hearing about the history of the hon. Lady’s connection with Springburn. Sadly, Springburn Museum has now closed down, but I hope that the wonderful exhibit she referred to can be recovered for the renewed Springburn Museum in the winter gardens, which I mentioned.

I also just wanted to say that I was really impressed by the reference to Motherwell, which I did not realise was a co-operative or a fan-owned club. Perhaps that is a great sign of Scotland’s tradition of the co-operative movement, and perhaps in 2019 we can see a further extension of the wonderful co-operative movement in Scotland and across the UK.

[Marion Fellows]

I thank the hon. Gentleman very much for his intervention. It gives me a chance to say that Motherwell Football Club Community Trust does very good work because it is able to reach groups that other organisations cannot reach, such as men who have not worked or men with drug problems, by bringing them into the stadium. Generally it is men they bring in, although I hope to buy a half-price season ticket in the new year.

I, too, have been doing a lot of work on universal credit. It has been rolled out in North Lanarkshire for about nine months now, and we had the manager who was responsible for its introduction in Lanarkshire at one of our Poverty Action Network meetings. I have to say that some of what she said did not chime with the reality of what has happened, but I do not blame her personally. Nevertheless, there are still real differences and real challenges to be met, because universal credit is causing great hardship, both for those who receive it and for North Lanarkshire Council, whose rent arrears have risen astronomically.

In fact, one of the things that has most made me proud, and most made me upset, is that in the last two weeks I have been to food bank drives—I ran one myself in Motherwell town centre and the local Tesco ran one, too—and when I spoke to the fundraiser in Tesco, she said, “Marion, we don’t even have to tell them what to do. We don’t need to hand out the leaflets. They know what to buy, and they buy it in bulk. And it’s often those who have the least who help the most.” I pay tribute not only to my own constituents, but to constituents all over the UK who make these donations. And may I just say that in the 21st century, it is shameful indeed that we need to do this?

Mr Robertson, I have tested your indulgence, and I want to make sure that both the hon. Member for Bristol South (Karin Smyth)—the Opposition spokesperson —and the Minister get a chance to contribute to this debate, so I will stop there.

World Menopause Day

Marion Fellows Excerpts

Thursday 18th October 2018 Commons Chamber

[Marion Fellows (Motherwell and Wishaw) (SNP)]

I also congratulate the hon. Member for East Lothian (Martin Whitfield) on securing this important debate—it seems to be a day for Scottish accents. I am delighted that he felt able to bring forward such an important matter. It was a real pleasure to follow the hon. Member for Redditch (Rachel Maclean) who courageously outlined some of her own experiences and made a very wide-ranging and powerful speech. She advocated and highlighted so many other women who are doing their very best to give this subject the prominence that it most assuredly deserves.

I am delighted to be speaking about World Menopause Day and about this important subject. My hon. Friend the Member for Glasgow East (David Linden) is, I believe, even more delighted. He is quite young, and I think that he thought that he would be replying to this debate instead of me. My daughter is extremely apprehensive about the content of my speech, as she frequently accuses me of oversharing. She need have no fears today—or at least not too many.

I have been there, I have done that and I have got the T-shirt, and that really does cover my experience of menopause. I started early and it seemed to go on for quite a long time. I remarked earlier to you, Madam Deputy Speaker, that my mother was born in 1919, so how I was raised very much reflected the way that she was raised by a mother who was born in the 19th century, so no one talked about it.

I have some vivid memories. I was teaching in a further education college as I was going through quite a large part of my menopausal experience. Standing in front of 25 bored teenagers, I asked, “Is it hot in here, or is it just me?” I was told, “No, it’s just you”, to which I responded, “Well, I’m opening the windows anyway.” It really was good that I was in charge of that class.

Another story that, in many ways, illustrates how the menopause used to be discussed is through the brilliant comic creations of Les Dawson, Cissie and Ada. They only ever mouthed the words, “The change” when discussing their menopause experiences as well as those of other women. I am very glad that that is no longer the case. World Menopause Day is an important opportunity for women to speak out about their real experiences of the menopause, contributing to breaking the taboo around both the menopause and women’s reproductive health.

As we should all know, the menopause can have a significant psychological and physical impact on women, and it is vital that these effects and symptoms are taken seriously by health professionals and society at large and that women can access the right support. Women’s health issues often do not come under the spotlight owing to ongoing taboos around women’s health, and it is time for women—younger and older—to speak out in support of each other to raise awareness. The days when women are literally put outside the tent or igloo when they are past child-bearing age are long gone, but we still have these taboos. We must work hard to speak about our experiences and contribute to breaking these taboos.

This year’s World Menopause Day is about recognising the impact that the menopause can have on women’s sexual wellbeing. Both during and after the menopause, it is not uncommon for women to experience some sexual dysfunction, which can have a severe impact on their relationships, self-esteem and wider mental health. It is so important that women going through this can access the right support to reassure them that it is totally normal and they are not alone. Sharing experiences with other women is also extremely important, and women speaking to other women about their experience is to be encouraged, but we must engage with the wider world too. As I have said, the menopause can have a significant psychological and physical impact on women, and it is vital that these effects and symptoms are taken seriously by health professionals.

[Rachel Maclean]

I commend the hon. Lady’s bravery in speaking from the heart and from her personal experience. She is talking about the psychological impact of the menopause. Does she agree that women sometimes report that they do not feel like themselves at all—that they experience depression and anxiety, and often feel effects on their memory, making it very difficult to perform in the workplace and often leading to their leaving work early?

[Marion Fellows]

The hon. Lady is absolutely right, and this is a wonderful occasion to highlight such things and to motivate women to speak more frankly, because every woman has a different menopause. We all have to accept that and to share our experiences so that no one feels that they are the only one going through this.

The Scottish National party and the Scottish Government support World Menopause Day. Through the Scottish Primary Care Information Resource, the Scottish Government support general practice to identify patients with conditions such as osteoporosis and cardiovascular disease, which are clearly and directly associated with the menopause. We need to anticipate health needs for women in this situation and ensure the best possible care for them. There are some NHS menopause clinics in Scotland, located in Dumfries and Galloway, Fife, Grampian, Lothian and Tayside. In other areas, health boards provide menopause help through general practice and specialist referral if needed. The British Menopause Society really wants to encourage that, because doctors and other health professionals also need to be trained in how to talk to women and encourage them to talk about their symptoms.

There are also some great initiatives at a local government level. For example, South Lanarkshire Council is today launching its menopause policy, and it is to be very much commended for that. The council worked out that 68% of its workforce are women, who could go through the menopause at any point, and it sees it as its duty to take care of these women and to allow them to talk to managers. In fact, they are training managers properly to help with this issue. It can be very difficult for some women to talk to a younger man, as the hon. Member for East Lothian has mentioned.

South Lanarkshire Council’s plan includes the provision of fans for women to manage hot flushes and the ability to take time out when coping with low moods. There is also a requirement to ensure that women experiencing menopause have easy access to toilet facilities. This is not difficult; it is something that all employers should be doing. Women will have somewhere to rest or to go for a little while if they feel tired due to a lack of sleep caused by things such as hot flushes, and if they are suffering from anxiety at this time, they will also be able to access the employee counselling services. This is a great initiative that I wholly commend, and it should be emulated by other employers right across the country. This is exactly the kind of proactive support that both the public and private sectors should be adopting.

A BBC survey earlier this year found that 70% of respondents do not tell their bosses that they are experiencing symptoms when they are going through the menopause. I certainly did not, but then I am well beyond menopause and have seen quite a large variety of changes in how we speak about women’s issues throughout my lifetime, so I am really happy to be able to speak on the subject today. Employers must take the lead in creating a safe environment for women to speak up if their symptoms are making their work difficult. It is actually better for employers to do that, because if they treat women with consideration at this time in their lives, they will get the best possible work out of them.

[Martin Whitfield]

Is it not the case, though, that a woman should never feel obliged to tell her employer? She should work in an environment that is open and sensitive enough for that to be understood, so that she has the confidence to share that, rather than it being an employment requirement to announce it.

[Marion Fellows]

Yes, I agree; but it does have to be a two-way process. Employers have to create workplaces where people feel confident talking about mental health issues and about the menopause.

Women’s health issues often do not see the spotlight due to ongoing taboos, and it is time for women—younger and older—to speak out. Women are often expected to put up and shut up about the symptoms associated with the menopause or periods, and to feel that talking about it is inappropriate or just moaning, when it is clear that this attitude is just thinly-veiled sexism. The fact is that the menopause and periods, as well as other hormonal conditions such as polycystic ovary syndrome, can have a really debilitating effect on women day to day.

It is great to see fantastic initiatives such as the menopause cafés mentioned by the hon. Member for Redditch that are now up and down the country after they were started by Rachel Weiss in June 2017 in her home city of Perth in Scotland. Weiss was reportedly inspired by “Newsnight” presenter Kirsty Wark’s documentary on the menopause, in which she talked about her own experience. This was a fantastic and brave project that no doubt touched many women across the UK who felt that their experiences were given a voice.

I draw the attention of the House to an article by Mandy Rhodes, the editor of Holyrood Magazine and columnist of the year. She has written, much more eloquently than I could, about some of her experiences, saying:

“One of my funnier moments in life was going to a menopause support group—a bit like an AA for women of a certain age—where one woman confessed she had no menopausal symptoms but was there to make friends. Why would you even do that? The idea that you might want to seek out new friends, from among a group of women who were in the middle of a hormonal-induced”—

expletive deleted—

“storm that had likely helped alienate them from all their own friends and family, smacked of a certain kind of desperation. But that is where this can take you…Over the last 20 years, many barriers have been broken down regarding a whole range of issues that impact on our working lives, including gender, race, physical and mental health. And whilst people feel more comfortable opening up about some of these issues, there are others that remain taboo. The menopause and the symptoms associated with it are, for many women, that last taboo. And it’s something of a paradox that on the journey women have travelled towards equality, that that same generation of women”—

Mandy’s generation, who are younger than me, it has to be said—

“who were at the fore of getting their voices heard in the fight for gender equality, are now, in middle-age, silenced by a uniquely female condition that has done more to disempower them than any male chauvinist could ever do. Many women live a third of their lives post-menopausal, often at the peak of their careers and still with big plans. And so, dealing with it…matters to us all.”

I echo that quotation in its entirety and recommend that hon. Members read that article, which is well written, personal and effective.

Mental Health: Absence from Work

Marion Fellows Excerpts

Wednesday 17th October 2018 Westminster Hall

On resuming—

[Marion Fellows (Motherwell and Wishaw) (SNP)]

It is a real pleasure to serve under your chairmanship, Mr Betts. I congratulate the hon. Member for North Warwickshire (Craig Tracey) on securing this debate and on speaking so passionately and eloquently, and with such knowledge of this subject.

I have been in the position of being off work long term with stress, which is a mental health issue. I was in the fortunate position of being on full pay. A colleague of mine—a fellow college lecturer—was also off long term with stress but she did not want to admit to her employer the real reason why she was off sick long term. It still requires a great deal of courage for someone to admit that they have a mental health issue. As usual, the hon. Member for Strangford (Jim Shannon) gave us a very good picture of what is going on in Northern Ireland, and concentrated on the economic case for dealing well with this issue. Employers have a part to play.

Hon. Members would not expect me to do anything but talk about Scotland—that is my role here, because there is some good work going on in Scotland on this issue. I am sure the Minister knows of some of it, and I would like to draw it to his attention. In the workplace, mental health issues can have a serious impact on the morale of employees: those suffering from the mental health issues, and their colleagues who pick up the additional workload. They can have an impact on an organisation’s productivity and profitability, through overtime costs and recruitment of temporary or permanent cover. Absence from work due to mental health issues is thought to cost the UK economy £35 billion per annum. We can play with those numbers but it is still a huge amount of money. A total of 91 million days are lost each year due to mental health problems. The scale of workplace mental ill health is almost 2.5 times the physical impact of unsafe workplaces and working practices.

In January 2016, the Conservative Prime Minister pledged to

“tackle the stigma around mental health problems.”

I am sure she really meant it. She also pledged an extra £50 million, expected to be used to create places of safety, which, as was mentioned, is about £23,000 per parliamentary constituency—not nearly enough. The House of Commons Public Accounts Committee said in September that it was “sceptical” about the Government’s attempt to improve mental health services without a significant amount of extra cash.

Providing support for employees is very important for the individual concerned. There is a strong business case for getting it right on mental health at work. We must eliminate stigma and discrimination in work. That requires a joined-up approach and a genuine commitment to support staff and to make it okay to talk about mental health. The Scottish Government funds the “See Me in Work” programme, which aims to support organisations to improve the working lives of employees with mental health problems, to encourage an equal and clear recruiting process and to ensure that those returning to work following ill health are fully supported back into the workplace.

The Scottish Government are working with employers on how they can best act to protect and improve mental health, and to support employees experiencing poor mental health. That will help employers to identify and provide appropriate training opportunities. To support workplace mental health and wellbeing makes economic sense for businesses. The Scottish Government are exploring with others innovative ways of connecting mental health, disability and employment support in Scotland. That will allow individuals to more easily navigate the current fragmented and complex landscape of support, allowing them to find a way to support at an early enough stage to make a real difference to their ability to sustain or return quickly to paid work when they encounter problems.

When I had my experience, everyone around me knew that I had a problem; I was in the middle of it and did not know. We need to look after each other when we are in such a situation. People who develop poor mental health should receive support to stay in work, just as they would if they had physical health problems. The Scottish Government endorsed “Good Mental Health For All”, which was published by NHS Health Scotland in 2016.

Issues that can contribute to inequalities that can lead to poor mental health include low pay and working poverty. The Scottish Government believe in promoting fair work and the real living wage. The real living wage as defined by the Scottish Government is £8.75 an hour. The UK promotes a living wage, for over-25s only, of only £7.83. People who are in employment but who are not earning enough to sustain themselves and their families often find themselves with bad mental health, because of the sheer pressure on their daily lives due to low wage employment.

We need to look early at preventive mechanisms, so that subsequent generations will be able to enter and remain in work. As with most systemic problems, the earlier we can get to people to help them, the better for all concerned. Prevention and early intervention are key to minimising both the prevalence and incidence of poor mental health and the severity and lifetime impact of mental disorders and mental illnesses. Prevention and early intervention must be a focus of activity and funding. The Scottish Government are funding an improved provision of services to treat mental health problems among children and adolescents so that, when they grow older, they can cope better with their illnesses in the workplace. Teaching our children resilience from an early age will help with mental health issues over a whole lifetime.

In December 2017, the Scottish Government announced a £95,000 investment in a youth commission on mental health, which will be delivered in partnership with the Scottish Association for Mental Health and Young Scot. It launched formally in April. As reported by the mental welfare commission for Scotland in 2016, there has been an improvement—a lower incidence of young people being admitted to non-specialist wards—and we want to see that continue. Mental health really deserves parity of esteem with physical health.

Mental ill health accounts for the biggest cohort of people unable to work due to sickness, yet that cohort has the poorest outcomes from the Department for Work and Pensions-contracted Work programme. The Department’s own evaluation of the Work programme suggests that it is not leading to the provision of appropriate specialist support. Instead, people with more complex needs are often parked by providers. The activities that people are asked to do are often inappropriate, with their conditions not being taken into account. That leads to a higher turnover of staff and more days off. Both employers and employees are incurring costs from the UK Government’s Work programme, which in many cases is shambolic.

The UK Government should scrap their work capability assessments so that people with mental health problems are better able to enter the workforce in jobs suitable for their needs. The current isolated nature of the WCA means that it functions as an eligibility test for employment and support allowance but not an assessment of what support is needed.

No Government can ignore the financial effect of absence from work due to mental ill health. I look forward to the Minister’s response to some of the issues raised today.

Financial Conduct Authority

Marion Fellows Excerpts

Monday 1st February 2016 Commons Chamber

[Marion Fellows (Motherwell and Wishaw) (SNP)]

My reason for speaking in this debate leads on from my Adjournment debate last Monday on the mis-selling of pensions, in advance of which I came up against the FCA for the first time. As a not very qualified and not very long-standing MP, and as someone who has never really had to deal with any of the regulatory bodies, I went to the Library for some background. I asked what turned out to be a very silly question. I asked for a list, going back to the 1990s, of regulators and what they were responsible for, only to be informed by the relevant expert in the Library that it was a huge piece of work and that he could not get it to me in time for this debate. I now perfectly understand that.

My point in telling everyone that and showing my complete ignorance is that normal, everyday people are in exactly the same boat. They do not always understand where to go to get redress. We are debating the motion today, on the FCA, but that does not mean much to people in the street. They do understand, however, that they do not seem to be getting a very good deal. When I listen to more erudite and learned Members—I do not mean that in the legal sense—I understand even better how my normal, everyday constituents feel. This whole mess of regulation and responsibilities and the attempts to fix it by bringing forward other regulators dealing with yet something else has to stop.

[Daniel Kawczynski]

For some of my constituents—I have mentioned Mr and Mrs Bennett from Dorrington—the litigation costs are absolutely exorbitant, which prevents many constituents from pursuing that line. I echo the hon. Lady’s sentiments that people have nowhere to go and no one to turn to in order to explain the appalling things that have happened to them.

[Marion Fellows]

I thank the hon. Gentleman for that intervention, which absolutely confirms what I think and what I said here last week. People cannot afford to go to litigation. Even when they do go, they do not get the satisfaction that they should get because of the mish-mash of regulators and mish-mash of regulations.

I shall sit down at this stage because I believe I have made my point quite clearly. Something needs to be done to take everything back to the stage where people trust regulators, trust banks and trust financial products.

Financial Ombudsman Service: Strathclyde Mining Group Pensions

Marion Fellows Excerpts

Monday 25th January 2016 Commons Chamber

[Marion Fellows (Motherwell and Wishaw) (SNP)]

I am a girl from Ayr, and on a night like this I cannot help but quote Burns. This is a short extract from a poem for all the Right Honourable and Honourable Scotch Representatives in the House of Commons, and I am taking it to heart.

“Some o’ you nicely ken the laws,

To round the period, an’ pause,

An’ wi’ rhetoric clause on clause

To mak harangues;

Then echo thro’ Saint Stephen’s wa’s

Auld Scotland’s wrangs.”

I applied for this Adjournment debate having been approached by a number of former employees of the Anderson Mining Group who are still seeking justice following a mis-selling of pensions. In 1996, Godwins, the insurance company—now part of the Aon group—persuaded almost 400 employees of the Scottish-based company to transfer their excellent final salary pension scheme to a section 32 personal pension scheme, a move that would never be allowed today.

There was a suggestion at the time that the existing pension scheme was under threat due to a deficit. This proved not to be the case and, interestingly, none of the senior executives of the company transferred their pensions. In fact, the former personnel manager of the group has since written an open letter outlining the concerns that he raised with the senior management at the time. He was instructed by the new owners of the company not to interfere with the process.

In September 1997, Godwins confirmed that the Personal Investment Authority had found errors in its procedures—namely, that it did not confirm the contents of the discussion of the options available to its clients and did not write to confirm the discussion, that it contravened the rules of the regulator and, significantly, that the two members of its staff who provided the advice were no longer authorised to give advice to clients.

Godwins did not advise that it was recalculating the transfer values for retirement to age 60; it had used 65. Despite its assurances that its clients had no cause for concern, almost 50% of the claims to the Financial Ombudsman Service were successful. I understand that at least one claim resulted in compensation of around £200,000. The client checklist or agreement the employees then received with the letter was a three-page document, not the one-page document used at the time of transfer. That is when the employees realised that the independent financial advisers had, at the time of transfer, used only page 3, allowing them to reduce the time spent at each one-to-one interview to less than 10 minutes.

It was not until 2000 that some employees began to realise that the pensions they were to receive fell well short of the final salary scheme from which they had been removed. They formed a committee and started investigating various avenues, including requesting a transfer report from another well-known financial investment company, Jardine Lloyd Thompson, which confirmed that the calculations used by Godwins were wrong and would not yield the amount of pensions they were expecting based on what they had been told.

Jardine Lloyd Thompson told the employees that the ombudsman’s decision on mis-selling cases was usually based on two things: critical yield and the attitude to risk. This committee started examining critical yield—the investment rate of return required to provide the selected level of income. Although each individual’s original transfer report gave their critical yield for age 65, which they now know to be wrong, they were not given the new calculated figure at that time. Had they been, they would have noticed that the new figure was not high enough to return the same investment for a pension that would be paid out five years earlier, with five years less contributions and investment.

The employees calculated that the five-year age difference would require the critical yield to be 2% to 3% higher at a retiring age of 60, making the transfer unsafe, even under the guidelines enforced at the time. These calculations were confirmed by JLT and Scottish Mutual—the original company used by Godwins. The employees also traced four ex-employees who were given transfer reports for age 60 and 65, clearly showing a difference in the critical yields of 2% to 3%. Many employees launched a mis-selling claim to the ombudsman including all that information, believing that their claim was an open and shut case for everyone.

A number of these claims were based on that of my constituent, Mr John Aitken. The initial claims were mostly rejected. Within the rejection letters, claimants then saw, for the first time, their new critical yield calculations, which were well below what they believed to be correct—for example, a difference of only 0.4 of 1% rather than 2% to 3%.

In the meantime, Godwins had been taken over by Aon, which had previously refused individual requests for these figures. In subsequent communications with the ombudsman’s office, the employees learned that Aon had employed another company to do the recalculation of the critical yield—the original company used being Scottish Mutual. The employees contacted Scottish Mutual and asked whether the new critical yield figures could be correct. Its reply was, “Generally speaking, based on the length of time the investments were set up for, I believe that it is highly unlikely that a difference of five years—that is between aged 60 and 65—would only require an increase of yield of 0.3% to 0.4% to achieve the same pension.” That confirmed that Aon’s figures were wrong.

During each claim, the ombudsman requested that the employee complete the ombudsman’s multi-page document on attitude to risk. However, evaluating the claims, the ombudsman rejected that document, finding in favour of the simple answer given to the independent financial adviser’s question at the transfer meeting:

“What is your attitude to risk?”

During the 16 years in which the employees have fought this injustice, almost 200 claims to the ombudsman have been launched. Fortunately, almost 50% have been successful. That fact alone highlights a severe problem, as the average success rate is 3% to 4%. Having heard a summary of this fiasco of financial transfer, which has seriously affected almost 300 people, one can only conclude that the ombudsman’s office did not act with due diligence in dealing with those cases.

To confirm that conclusion, I wish to ask the following questions: why were the independent financial advisers allowed drastically to shorten the transfer interview, omitting much of the company’s checklist? Godwins made a serious error in the transfer report, so why were the employees not given the opportunity to review their transfer decision based on an updated transfer report, as that was a significant change? Having given ample information that the critical deal calculations were wrong, why did the ombudsman not check the figures or use an independent source? Why did the ombudsman not react to Aon’s suspicious decisions, which I have described? Why was the ombudsman’s multi-page attitude to risk analysis ignored in favour of Aon’s?

Although those questions were raised in the claims, none of those points was mentioned in the ombudsman’s rejection letters; they were simply ignored. Why did the almost 50% success rate of the complainants not flag up the fact that something was seriously wrong in the transfer? All those employees transferred on the same day to the same scheme plan, but only half the claims were upheld. My constituents firmly believe that the ombudsman did not act with due diligence in this case, and failed properly to investigate their claims. Employees who have lost out on millions of pounds in total of their hard-earned pensions must be compensated. Not only have they been mis-sold pensions, but they have been mistreated by a Government body that was set up to be fair and impartial.

As the Minister is aware, the Financial Ombudsman Service was set up to resolve individual cases and, indeed, it wrote to my constituent, Mr John Aitken, saying exactly that. It pointed out that if there was a systemic problem it would be a matter for the Financial Services Authority to consider. However, when the FSA was approached by my predecessor, Mr Frank Roy, it responded that it did not have the power to investigate individual disputes between consumers and regulated firms. At what point do individual complaints become a matter for the FSA? A previous complaint to the ombudsman was rejected, because too much time had elapsed, and the documentation was not available. That is not an acceptable response, as all documents that the ombudsman creates are archived, and the employees have sufficient documentation to prove every claim that I have made today.

I provided the Minister with documentation before the debate, and I am happy to provide anything further if necessary. These workers have fought the mis-selling for 16 years, and they will continue to do so until they get justice and compensation. This is a blatant case of mis-selling by an insurance company such that those who transferred their pensions did so in the belief that they would receive a pension comparable to the one they expected under the original scheme.

The Financial Ombudsman Service met Aon, but did not meet the individuals concerned, who were let down badly by the regulatory authorities, who appear to have taken no action against Godwins or Aon.

I could speak at much greater length, as I am sure the Minister is aware, but I have decided not to go into the minute detail because much of it is technical, and much of it I would have to spend some time trying to understand. However, I have set out what I believe is a very just case on behalf of my constituents.