123 Philip Hollobone debates involving HM Treasury

Oral Answers to Questions

Philip Hollobone Excerpts
Tuesday 7th June 2016

(7 years, 11 months ago)

Commons Chamber
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Damian Hinds Portrait Damian Hinds
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The businesses that I speak to say overwhelmingly that they feel they would get a better deal with the increased economic clout—five times the economic weight—that comes from being a member of the EU as opposed to Britain being on its own. All these trade deals take a long time, but when all the current EU negotiations are completed, the EU will have more trade deals with the rest of the world—so we will, too—than the United States and Canada combined.

Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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The living wage is a very attractive economic policy, especially in eastern Europe. Given the extensive financial modelling that my hon. Friend has conducted, can he tell the House his official estimate of the number of unskilled migrants coming to this country from eastern Europe in the first five years after a vote to remain?

Damian Hinds Portrait Damian Hinds
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The national living wage makes sure that British workers who are low paid cannot be undercut by people coming from other countries. It will be of great benefit to our economy. It is also the case that as our legal minimum pay increases, we will still be within the middle range internationally.

Oral Answers to Questions

Philip Hollobone Excerpts
Tuesday 19th April 2016

(8 years ago)

Commons Chamber
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David Gauke Portrait Mr Gauke
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I will certainly take that representation on board. Of course, the north-east of England has the very large Nissan plant, which provides a significant number of jobs. The argument in the Treasury analysis is that we benefit from an open economy. If we leave the single market, we become a less open economy, which will have a cost to the British people in their living standards.

Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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The disgracefully dodgy document published by the Treasury yesterday is, frankly, worthy of the children’s programme “Jackanory”. The immigration figures suggest that there will be 3 million more immigrants in this country by 2030, placing my hon. Friend in clear breach of the Conservative manifesto commitment to reduce immigration to tens of thousands a year. What is his response to that accusation?

David Gauke Portrait Mr Gauke
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The numbers are based on the ONS projection that was used at the last Budget. No account is taken of the achievements of the renegotiation secured by the Prime Minister. On the Treasury analysis, a large number of independent economic commentators have argued that it is broadly in the right direction. My hon. Friends who advocate that we should leave the EU should come forward with their own analysis, setting out exactly what model they would follow and what the economic consequences would be.

Overseas Voters Bill

Philip Hollobone Excerpts
Friday 26th February 2016

(8 years, 2 months ago)

Commons Chamber
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Christopher Chope Portrait Mr Christopher Chope (Christchurch) (Con)
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I beg to move, That the Bill be now read a Second time.

It gives me great pleasure to move the Second Reading of the Overseas Voters Bill. The Bill was brought forward in the last Session of the last Parliament, in the run-up to the general election. At that stage, I had a very helpful response from the hon. Member for East Surrey (Mr Gyimah) who was then Parliamentary Secretary at the Cabinet Office, who said that the Bill’s key element would be incorporated in the Conservative party manifesto and implemented after the general election. As a result, we had in our manifesto a commitment to take action on this issue.

I brought the Bill forward because too many British citizens living abroad are not entitled to vote in general elections in this country. Although the Electoral Commission made a big effort towards the end of the last Parliament, in the run-up to the general election, to register overseas electors, an answer given to me on 5 February by my hon. Friend the Minister—he is on the Front Bench today—showed that only 105,845 overseas electors were registered to vote in May 2015. He said it was not possible to say how many of those who were registered actually voted. I know that a number did not vote because they did not receive their ballot papers in time; indeed, I have had complaints about that from erstwhile constituents who now live abroad.

Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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I congratulate my hon. Friend on bringing this Bill to the House’s attention. I am listening to his very good speech with huge interest. He said that 105,000 overseas electors are registered. What is the total number who could be registered were they all identified, as his Bill suggests they should be?

Christopher Chope Portrait Mr Chope
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As with a lot of these things, there is no precise answer to my hon. Friend’s very good question, but the estimate is probably that 5 million and upwards would be eligible, and I see my hon. Friend the Minister nodding.

Christopher Chope Portrait Mr Chope
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I am grateful to my hon. Friend for that intervention. What he is saying is that, of the 2 million who are eligible at the moment, we registered only 100,000, and many fewer than that actually voted. There is potentially a pool of a lot more who could be registered if the Bill went through and we were able to allow all British citizens living overseas to participate in our democracy.

That, of course, is what happens in a lot of other countries. Some of those countries organise—indeed, facilitate—voting by their overseas citizens at embassies, consulates and other such places. In the recent Turkish elections, the President of Turkey, in a neutral capacity, spent a lot of time visiting other countries in Europe—mainly countries with a significant number of Turkish expatriates—to speak directly to them to encourage them to participate in the election.

So what would be the benefit of this? Apart from the benefit to democracy, it would assist in campaigns such as one that I very strongly support, which is the campaign for an end to the discrimination against British pensioners living overseas. It would mean that those who are campaigning to ensure that there is equal treatment between British pensioners living overseas and those living in the United Kingdom would have more clout. At the moment, there are a handful of these people in each constituency able to vote, and they cannot really make a difference in the general election, but if more of them were eligible to vote, and did vote, they would be able to lobby much more effectively and we might find that the Government were more responsive to their concerns than they seem to be at the moment.

Philip Hollobone Portrait Mr Hollobone
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The campaigns that my hon. Friend is mounting for electoral justice and pensioner justice are legendary. I am glad that he managed to persuade the Government to include in the manifesto a commitment on electoral justice. With regard to British pensioners living overseas, presumably Her Majesty’s Government know who these people are and where they live, and they are in receipt of at least some element of their pension. Therefore, given the terms of this Bill, it should not be too difficult for the Electoral Commission to put them on the list and get them registered.

Christopher Chope Portrait Mr Chope
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My hon. Friend makes a really good point; as he says, it should not be too difficult. In the run-up to the previous election, I encouraged the Foreign Office to try to get people registered. I also tried to get information out of the Department for Work and Pensions about enabling it to communicate directly with pensioners. The 15-year rule makes it more difficult to run these registration campaigns, because the DWP does not know whether an overseas pensioner has been living overseas for more than 15 years, and removing the rule would make it much easier for it to campaign effectively. When I was at a meeting discussing these issues with a member of our embassy staff in Berlin, he told me of the efforts being made to try to get expats living there to participate in voting, and I am sure that such efforts were made. However, as is apparent from the figures, there is an enormously long way to go. When my hon. Friend the Minister responds, I am sure he will say that this Bill is premature, as most of my Bills are, but I hope he will also say what the Government are going to do about implementing their manifesto commitment.

It is currently a cause of a great deal of frustration for British overseas residents that they are going to find it very difficult to participate in the European referendum. Some cynics have said that it would be better if we did not allow large numbers from overseas to participate in that referendum, but I think it would be desirable for the maximum number of British citizens to be able to do so. After all, we are going to allow Commonwealth citizens and Irish citizens living in this country to participate, so why were the Government unable to bring forward the Bill to facilitate the extension of the 15-year rule sooner in this Session so that it could have had a part to play in the referendum eligibility campaign?

Philip Hollobone Portrait Mr Hollobone
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Surely the whole point about electoral registration is that we register people who we believe have the right to cast their ballot. We never register people on the basis of which way we think they might vote in a particular election or referendum.

Christopher Chope Portrait Mr Chope
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My hon. Friend is absolutely right. Too often, we allow cynics outside to misrepresent our policy positions. I think that all democrats would say that the maximum number of British citizens should be entitled to vote and encouraged to participate in our democracy, and that, in essence, is what this Bill is about.

Clause 3 deals with internet voting. This is a controversial subject, but I think that if we are ever to go down the road of internet voting, the starting point should be people living overseas.

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Christopher Chope Portrait Mr Chope
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I have to admit to not being an expert in this area at all. If my children were here, they would say to me, “When did you last Skype?”, and the answer would be, “Never.” I know that there is such a thing as Skyping, that other members of my family participate in it, and that it is a very inexpensive way of communicating with friends and family overseas. I imagine that it would fall within the term “internet voting”. However, I do not have the expertise to be able to answer my hon. Friend’s question about whether it would be possible to secure a system of Skyping that would be proof against fraud or misrepresentations. I leave that to the Minister and his officials.

In clause 3 I do not try to set out a prescriptive arrangement for internet voting. That is because this is a really good example of where regulations should be brought forward by the Government using their expertise rather than relying on albeit gifted amateurs to do the job for them. The clause says that the Government “shall bring forward regulations”, and, in subsection (2), that they

“shall include provisions to prevent identity fraud and to ensure that only those eligible to vote can vote.”

Philip Hollobone Portrait Mr Hollobone
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I anticipate that clause 3 might cause most difficulty when the Bill goes into Committee. Is it not the case that it has never been easier to register an individual to vote and that increasingly that is being done over the internet? That will be of great encouragement to overseas voters, because they should be easily able to register themselves in this country.

Christopher Chope Portrait Mr Chope
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My hon. Friend makes a very good point. Clause 3 addresses internet voting rather than internet registration, which is an important distinction. It is already possible to register on the internet, which, as my hon. Friend says, is a popular form of registration. A lot of young people used the internet to get themselves on the electoral register in the run-up to the last general election.

This is a short and relatively simple and straightforward Bill, and I commend it to the House.

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Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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I rise to support the Bill promoted by my hon. Friend the Member for Christchurch (Mr Chope). I am grateful to him for allowing my name to appear as one of his supporters on the back page. I commend him for his excellent speech, but I want to condemn his remark that he feels as though his Bill is premature, because I do not think it is premature at all. He has introduced the Bill to advance a manifesto commitment in a week in which the Government seem to have backtracked on several manifesto commitments, especially with regard to our pledges on the renegotiation of our settlement with the European Union. I congratulate him on the fact that his Bill is commendably short and therefore highly understandable and digestible for everyone.

Greg Knight Portrait Sir Greg Knight
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Is my hon. Friend aware that support for the Bill goes beyond the list of names that are printed on the back of it?

Philip Hollobone Portrait Mr Hollobone
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My right hon. Friend demonstrates that by his presence here today. I know that the subject of the Bill is being talked about in the pubs and clubs of Yorkshire, and he has brought the concerns of the people of Yorkshire to the House. On the south coast, where my hon. Friend the Member for Christchurch comes from, the subject is the talk of the town. It is an extremely serious issue. The figures that my hon. Friend has revealed to the House will shock the nation.

Oliver Colvile Portrait Oliver Colvile
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I have been down to the south of France quite a bit to talk to members of Conservatives Abroad. Believe me, this is quite a big issue for them.

Philip Hollobone Portrait Mr Hollobone
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My hon. Friend’s speaking tour of the continent is famous, and I am sure will become legendary as time goes on. I have to disappoint him, however, because hedgehogs are not included in the Bill.

Lindsay Hoyle Portrait Mr Deputy Speaker (Mr Lindsay Hoyle)
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I hope that the hon. Gentleman is talking about continental hedgehogs or world hedgehogs, not UK hedgehogs; otherwise he is going off the subject.

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Philip Hollobone Portrait Mr Hollobone
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Hedgehogs overseas will not be eligible for registration, but I know that my hon. Friend the Member for Plymouth, Sutton and Devonport (Oliver Colvile) is committed to the issue of overseas voter registration, as I am. He will share my shock, on behalf of our constituents, at the figures that have been revealed to the House today. Will the Minister be kind enough to intervene on me in a moment to give us the total number of electors in this country, so that we can establish the proportion represented by the 6 million potential overseas voters as a percentage of the total UK electorate?

John Penrose Portrait John Penrose
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I think the figure is roughly 44 million. If I get more precise divine inspiration, I may help my hon. Friend out a little more, but it is that sort of ballpark figure.

Philip Hollobone Portrait Mr Hollobone
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I am most grateful for that intervention, and that is the sort of figure that I had in mind. We are now aware that there are potentially 6 million British voters, in addition to the 44 million who are currently registered, who could take part in UK general elections but who are unable to do so because they are not registered. That is a shockingly large figure, and I am surprised that the Government are not giving the issue more priority. Surely, with our traditions of empire and of spreading good government and democracy around the world, we would at the very least want to encourage those 6 million British citizens who are living abroad to retain their franchise in this country and their ability to participate democratically in the future of what is still their nation. I think the nation would be very surprised by the fact that there are 6 million people living abroad whom most of us would like to take part in UK elections.

Clause 1 of this excellent Bill would enable those 6 million British citizens to take part only in

“United Kingdom Parliamentary elections if they were registered to vote”.

Although the provision is fantastic, I would want to take it further. It seems to me that it is important that British citizens living abroad should be able to take part in local government and mayoral elections if they want to do so. At the moment, an EU citizen living in this country quite rightly cannot take part in UK parliamentary elections, or at least they cannot do so yet—that may change if we decide to remain in the European Union—but they can take part in local government elections. It seems to me that British citizens, whether they live in this country or abroad, should be able to participate in all elections at every level of the democratic franchise. If I had the good fortune to end up on the Public Bill Committee, I would seek to amend clause 1(a) to extend the franchise to local government elections.

Oliver Colvile Portrait Oliver Colvile
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Does my hon. Friend not recognise that local government is about delivering local services? If people do not physically live in the place where those public services are delivered, it seems to me rather strange for them to vote in local elections.

Philip Hollobone Portrait Mr Hollobone
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My hon. Friend makes a fair point. However, overseas voters do not physically live in this country, but that does not mean that they are not interested in its future direction. It is true that they do not receive specific local government services where they last lived, but they would still be interested in the future direction of their former local area. Many overseas voters also have close family relatives living in the same local government area.

That leads me to another point, which is about where overseas voters should be registered. My hon. Friend the Member for Christchurch will have received, as I and I am sure most Members have received, correspondence from British pensioners living overseas about the fact that they are not entitled to the full uprating of the state pension in some countries, which is an extremely important issue. I always go back to those who contact me to ask, “Can you tell me if you were previously a resident in Kettering, because I am not sure why you’re contacting me?” For those who say that they used to live in Kettering and give me their former address, I have been very happy to take up their cause with the appropriate Minister. When overseas voters are registered, it is very important that they are registered in the last place they lived in this country. It should not be too difficult to ensure that the system works in that way.

Hon. Members have spoken about clause 3. I have concerns about internet voting. However, it is quite clear that it has never been easier to enter oneself on the electoral register on the internet, and that should be encouraged for British citizens living overseas.

I was interested in the remarks of the Labour spokesman, the hon. Member for Wansbeck (Ian Lavery). I congratulate him on his debut performance on the Front Bench. How refreshing it is to see that a man of his calibre—he is closer than most of his colleagues to the beating heart of the Labour party outside the Chamber—has made his way on to the Front Bench. It seems to me that there is hope for the Labour party when Members of his quality can represent it in that way, and I think that trend should be encouraged.

On all these electoral issues, we must make sure that as many people as possible who should be able to vote actually end up doing so. We should not try to predict which way people are going to vote on any particular issue. The important point is that British overseas voters should be able to fulfil their civic duty in retaining their right to participate in the British franchise. The Bill seeks to encourage that. My hon. Friend the Member for Christchurch is not premature in bringing forward the Bill. I hope that the Government will respond positively to his crusade for electoral justice, and I am sure we all look forward to hearing the Minister’s response.

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John Penrose Portrait John Penrose
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I am afraid that I must fall back on the response “in due course”, to use that timeworn parliamentary phrase, rather than give my hon. Friend a firm date. However, I assure him that work is going on right now and that we are not hanging around. I will have to leave it at that, but I hope to be able to provide further clarity—in due course.

Philip Hollobone Portrait Mr Hollobone
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I am enjoying the Minister’s speech hugely and I am encouraged by what he has said so far. Will he do the House a service by placing the 15-year limit in context? We have not yet heard where it comes from, who imposed it and why. There is growing consensus that it needs to be abolished.

John Penrose Portrait John Penrose
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As the hon. Member for Wansbeck acknowledged, the 15-year rule is a bit of a hybrid. The limit has been as low as five years and as high as 20 years. Successive Governments have extended it or narrowed it over time. I do not want to be too specific about its history. The point behind the observation of my hon. Friend the Member for Kettering is that, because the line has been moved about several times under successive Governments, it is inherently arbitrary to choose a particular length of time that people have been away. The Government made a manifesto commitment to enfranchise all British citizens, no matter how long they have been abroad, because we think that choosing 15 years, as opposed to 14 or 16 years, is inherently like sticking a dart in a dartboard. We need to say that if British citizens maintain British citizenship that brings with it rights, obligations and a connection with this country, and that that should endure.

I am encouraged by the Labour party’s view. I welcome the fact that it is willing to embark on a review of the 15-year rule. I also welcome the hon. Member for Wansbeck’s comments about the need for a cross-party approach to driving up registration among all under-represented groups, regardless of where they live—whether they are resident in the UK or abroad. He is absolutely right to point out that there are a succession of groups who are less represented and less registered than others. His colleague, the hon. Member for Ashfield (Gloria De Piero), wrote to me recently about students. They are one of the less well-represented groups. Some black and minority ethnic communities are also less well represented. Ex-patriots are the worst of all in terms of the percentage of rates of registration—down at about 5%, as we have heard from earlier speeches. They are probably the least well represented of all the under-represented groups.

My hon. Friend the Member for Christchurch and others made the point that we cannot—we would all, as politicians or democrats, be diminished if we did—proceed purely on the basis of narrow party political advantage. It is far better, as the hon. Member for Wansbeck observed, to proceed on the basis of what is right for democracy. We must proceed on a cross-party basis without working out which particular groups might be more likely to favour his party or mine. If we all drive up registration in all groups on that basis, we will improve our democratic credentials and reduce voter cynicism very dramatically. That cynicism is perhaps one of the more corrosive influences not just in reducing levels of voter registration but levels of voter turnout—people who are registered but choose not to exercise their vote. We are all familiar with that problem, and cynicism about politics, the political process and politicians is a key driver of it.

One thing we are trying to do, in improving both the registration process and the reasons for encouraging people to register, is to make registration more convenient, simpler, easier, cheaper and more efficient—what we call the plumbing of registration. We want to make it less of a hassle to get registered.

John Penrose Portrait John Penrose
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I am happy to confirm that to my right hon. Friend. He is absolutely right. That has not been part of our democratic tradition in this country. It could, of course, be decided and introduced after debate, but it was not in our party’s manifesto and it is not part of our current plans.

Philip Hollobone Portrait Mr Hollobone
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On registration, a point I have made many times—it fell on deaf ears in the coalition Government; I hope that will not be the case today—is that those in almost all under-represented groups will have had some contact or multiple contacts with Government agencies of one sort or another, whether in relation to benefits, passports, applications for this or applications for that. Why can we not have a simple cross-governmental rule that every time somebody comes into contact with a Government agency they are asked the question, “Are you on the electoral register?” If the answer is no, they could then be told how to register.

John Penrose Portrait John Penrose
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My hon. Friend gave a good example with regard to pensions, saying that the Department for Work and Pensions will inevitably have a list of people to whom it is paying pensions. That one cogent example should therefore allow an opportunity to provide the kind of nudge he talks about. I can confirm that we have trialled a series of links on various Government website pages to do what he describes. We are currently investigating whether that can be extended more broadly across more Government services, so that any time anybody living abroad or in a domestic under-represented group comes into contact with the British state we can provide a nudge for them to get registered. We are looking at that extremely carefully, as it seems like it could be a very sensible way of proceeding. It may not be the whole answer—in some cases it may not be a very effective answer and in others it may be highly effective—but it is certainly something we want to pursue.

Short Money and Policy Development Grant

Philip Hollobone Excerpts
Thursday 11th February 2016

(8 years, 3 months ago)

Commons Chamber
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Urgent Questions are proposed each morning by backbench MPs, and up to two may be selected each day by the Speaker. Chosen Urgent Questions are announced 30 minutes before Parliament sits each day.

Each Urgent Question requires a Government Minister to give a response on the debate topic.

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John Penrose Portrait John Penrose
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The hon. Gentleman is absolutely right that the policy development grant has a slightly different mechanism. It has to be dealt with through a statutory instrument rather than by resolution of the House. The statutory instrument will be laid as soon as it is ready, whereupon the hon. Gentleman and everybody else will have an opportunity to debate it. The hon. Gentleman is also right to say that the Electoral Commission has been consulting carefully and making recommendations about the revised shares to reflect the results of the last general election. I look forward to hearing his further comments at that point.

Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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May I make two points on behalf of my constituents? First, I absolutely agree with the shadow Leader of the House that the growth in the number of special advisers has got completely out of hand. If the Government want sensible policy advice, they should speak to their Back Benchers. After all, we are the ones who are in touch with our electorate.

Secondly, there should be some mechanism for measuring the effectiveness of the Opposition, because from where I am sitting it would seem that, pro rata, the Scottish National party offers a far more effective opposition than the present Labour party.

John Penrose Portrait John Penrose
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The shadow Leader of the House delights in using the standard format, “There is a word for that.” He has used that rhetorical device on several previous occasions, but one of the words he has not used is “shambles”, which is perhaps what my hon. Friend is suggesting about Labour’s performance on at least one or two issues.

I can happily confirm that the cost of Spads has started to fall since the last general election, which is tremendously important. I also heartily endorse my hon. Friend’s point that, in order to remain in touch with both the feelings of the House and those of the electorate, Governments need to listen to Back Benchers as well as to others very carefully indeed.

Rent-to-own Sector

Philip Hollobone Excerpts
Tuesday 14th July 2015

(8 years, 10 months ago)

Westminster Hall
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Each debate is chaired by an MP from the Panel of Chairs, rather than the Speaker or Deputy Speaker. A Government Minister will give the final speech, and no votes may be called on the debate topic.

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Paul Maynard Portrait Paul Maynard
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I am sure that the Minister heard that question. I am now trying to reach my conclusion rapidly, because I have been going on far too long.

Lord Freud has met with the debt-management charity, StepChange, but will the Minister agree to convene a cross-departmental working group consisting of the Departments for Business, Innovation and Skills, for Work and Pensions and for Education, and sector representatives? The issues stretch across Government and are not confined to the Treasury alone.

To finish, I want to make a point of principle with which I hope the Minister will agree. About four or five months ago I remortgaged my property, but it has never taken me so long to do so. I was locked in my bank for about six hours, or that is what it felt like, going through every last iteration. I understand why that is: we have to improve safeguards for borrowing, we have to reduce risky borrowing and we have to ensure that the banks are sustainable. Yes, my mortgage payments are a substantial element of my outgoings and part of my financial arrangements, but why are we not as careful about RTO-types of credit as we are about mortgages? If someone’s available disposable income is only £19 a week, even £12 a month is a sizeable payment. There ought to be a point of principle: it matters as much to those people how their consumer credit is regulated as it does to me how my mortgage is regulated.

We as a Government need to look much more closely at how we encourage financial resilience. We need multiple bulwarks for families against the unexpected—too often the unexpected leads us down a path to perdition financially. Proper and proportionate regulation, which does not seek to condemn the private sector simply for being the private sector, is the best way to allow people to fulfil their legitimate aspirations to own consumer goods.

I have asked a lot of questions and I have talked a lot today—I apologise to those present. I look forward to the Minister’s reply.

Philip Hollobone Portrait Mr Philip Hollobone (in the Chair)
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We will also hear from Mr Maynard at the end of the debate, because he has three minutes to sum up the other contributions that he has heard.

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None Portrait Several hon. Members
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rose

Philip Hollobone Portrait Mr Philip Hollobone (in the Chair)
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Order. Under the new arrangements, in which the third party can also contribute to the debate, the remaining Front-Bench time is meant to be split equally between the three Front-Bench spokesmen. I want to leave three minutes at the end for Mr Maynard to sum up the debate. Over to you, Ian Blackford.

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Stella Creasy Portrait Stella Creasy
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The hon. Gentleman pre-empts my final point, which is that what we really want is an alternative, but for an alternative to exist, it has to be funded, because this is not a fair fight. What I have noticed, as we have exerted pressure on the Government to tackle the payday lending industry, is that it is retreating from our high streets but that it is being replaced by the rent-to-own industry. This industry and legal loan sharking have evolved because there is no reform. We need an industry that works, because we need people to be able to borrow in this way to make ends meet—because they are not earning enough—and we need to end legal loan sharking by reforming the way in which these companies operate. That requires alternatives. However, our credit unions, housing providers and alternative forms of financing are struggling in an environment in which these companies are making a great deal of money from exploiting people. That is why it is right that the Government not only step in and are much tougher about regulating—learning the lesson of capping the cost of credit by capping what these companies can charge—but look at how we support the alternatives to grow and how we can level the playing field.

My final point is about the particular case for mainstream credit providers. Will the Minister commit to talking to mainstream credit providers, particularly to our banks, to ask them to review how many of their customers have entered into these agreements? I think he would be surprised—just as we found with payday lending companies—that half a million customers from one bank alone, who could have gone to it for a personal loan, were going to payday lenders. We need to make the case that these forms of lending and problems with debt are now so mainstream in Britain and so much part of modern life that there is a case not to see this as separate, small industry but part and parcel of how we help people to make ends meet. The mainstream credit providers have a vested interest in working with credit unions and providers—the Hoot credit union, for example—who do alternative forms of white goods provision to help their customers, because the consequences for the mainstream providers will become apparent when people default on their mortgages and personal loans.

This is not an either/or any more. We have to end legal loan sharking in Britain in its many forms. I hope that the Minister will take in good faith those examples of things that he could do now and accept what the priorities are. I look forward to a positive response from him and hope he will join the Opposition, as the cuckoo in the nest, in saying: let us end predatory lending in Britain once and for all.

Philip Hollobone Portrait Mr Philip Hollobone (in the Chair)
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Although the Minister can finish before 10.57 am, if he would be kind enough to finish no later than that, that will allow Mr Maynard two and a half minutes to wind up the debate.

Greece

Philip Hollobone Excerpts
Monday 6th July 2015

(8 years, 10 months ago)

Commons Chamber
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George Osborne Portrait Mr Osborne
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I can assure my hon. Friend that we will go on delivering economic security for the working people of Britain. I will come back to the House on Wednesday to deliver a Budget that does just that.

Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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I support the comments by the right hon. Member for Leicester East (Keith Vaz), the Chair of the Home Affairs Committee. The Greek-Turkish border is already the leakiest part of the EU’s external frontier, and one of the biggest threats to this country from a complete social and financial collapse in Greece is thousands more migrants making their way through to Calais and trying to get into this country. Will we use our good offices within the EU, and outside the eurozone, to ensure that the EU provides all the necessary support to plug the gaps in the Greece-Turkey part of the EU external border?

George Osborne Portrait Mr Osborne
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My right hon. Friend the Home Secretary is working very actively on precisely this issue. My hon. Friend reminds us, at the end of this statement, that although this is of course a big issue for the eurozone, it is also an issue for the whole of Europe, including the United Kingdom. We want to see a resolution of this Greek crisis. Even at this eleventh hour, we want the eurozone and Greece to sit down and try to find a sustainable way forward.

Greece

Philip Hollobone Excerpts
Monday 29th June 2015

(8 years, 10 months ago)

Commons Chamber
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George Osborne Portrait Mr Osborne
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Over the past five years, we in this country have of course taken steps to reform our welfare system to make sure it is affordable and to reform our public sector pensions so that we can go on providing assistance to our population and help the most vulnerable in our population. The broader point is that the people who suffer when an economy fails and a Government spend more money than they have are the poorest people in the country, not the richest.

Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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Given their own predicament, how supportive have the Greeks been to the Prime Minister in his efforts to renegotiate Britain’s terms of membership of the EU?

George Osborne Portrait Mr Osborne
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To be fair to the Greeks, they have been quite preoccupied, but they have certainly not, to my knowledge, expressed any great opposition.

Oral Answers to Questions

Philip Hollobone Excerpts
Tuesday 27th January 2015

(9 years, 3 months ago)

Commons Chamber
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David Gauke Portrait Mr Gauke
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I suspect that, a couple of weeks ago, the hon. Gentleman walked through the Lobby in support of the charter for fiscal responsibility, which requires us to find £30 billion of savings, either in tax increases or in spending cuts. If he is not prepared to take action in that area, he has to tell his constituents where he is prepared to take action.

Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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I congratulate Her Majesty’s Treasury on its successful efforts to reduce the tax gap. Where are the main hiding places that people are using to try to avoid tax?

David Gauke Portrait Mr Gauke
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My hon. Friend raises an important question to which I could give a lengthy reply. But what I will say is that, as a Government, we have taken action, for example, to improve the automatic exchange of information between various jurisdictions, so that there is nowhere for people to hide their money. The net is closing in on those who have evaded their taxes, and we are increasingly effective at dealing with tax avoidance as well.

Oral Answers to Questions

Philip Hollobone Excerpts
Tuesday 9th December 2014

(9 years, 5 months ago)

Commons Chamber
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John Bercow Portrait Mr Speaker
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As usual we are pressed for time, but I cannot allow excessively long early questions and answers to deny Members who have been waiting patiently, so we will now hear, I hope, from Mr Philip Hollobone.

Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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17. What the basic rate personal tax allowance was in May 2010; what that rate would have been in May 2015 if indexed to inflation; and what that rate will be in May 2015.

David Gauke Portrait The Financial Secretary to the Treasury (Mr David Gauke)
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The tax-free personal allowance was £6,475 in May 2010. It would have risen to just £7,485 by May 2015 through inflation, but the Government announced at autumn statement 2014 that the personal allowance would be increased to £10,600 from April 2015, and this is being legislated for in the Finance Bill 2015.

Philip Hollobone Portrait Mr Hollobone
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By next May how many people does my hon. Friend estimate will have been taken out of paying income tax altogether in (a) Kettering, (b) Northamptonshire, and (c) the country as a whole?

David Gauke Portrait Mr Gauke
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By April this year the Government’s measures, including increases in the personal allowance for those born after 5 April 1948, are estimated to have taken about 3.4 million individuals out of the income tax system altogether. Some 248,000 of these individuals live in the east midlands region, which of course includes the constituency of Kettering in Northamptonshire.

EU Budget (Surcharge)

Philip Hollobone Excerpts
Monday 10th November 2014

(9 years, 6 months ago)

Commons Chamber
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John Bercow Portrait Mr Speaker
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Order. We are grateful, but the question suffered from the disadvantage of being irrelevant to the matter under discussion, so we will move on to someone who has a relevant question to ask.

Philip Hollobone Portrait Mr Philip Hollobone (Kettering) (Con)
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Confirmation that the rebate will be applied is clearly to be welcomed, but the blunt truth is that this country faces a bill £850 million larger than it faced two weeks previously. Given that we now pay more than £10 billion a year as our membership fee for this organisation, my constituents in Kettering feel that the bill is too large. Will the Chancellor confirm that a majority Conservative Government will renegotiate the membership fee after the next election?

George Osborne Portrait Mr Osborne
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As I say, I understand the frustration that many people feel about the way their money—hard-earned taxpayers’ money—is spent in Europe. That is why we are seeking a reform of Britain’s relationship with Europe and a reform of the way Europe works for all its citizens, and why we are seeking to put that to the British people in a referendum. With reference to my right hon. Friend the Member for Banbury (Sir Tony Baldry), it is good to see the shadow Chancellor here, breaking off from the Balls family pastime of undermining the Leader of the Opposition.