← LEADERSHIP TERMINAL

UK PARLIAMENT · SITTING

Sir Stephen Timms

MP for East Ham · Labour · United Kingdom

IN THEIR OWN WORDS

I agree with the hon. Gentleman. If he would like to send me details of that particular case, I will happily look into it. On the subject of people with hearing impairments, my right hon. Friend the Minister for Women and Equalities and I will be meeting the British Sign Language Advisory Board this afternoon.

CONTACTING DEPARTMENTS: ACCESSIBILITY · 2026-09-09 · READ IN HANSARD

Better outcomes require early identification and support for girls and young women with special educational needs, including dyslexia. That is the aim of the SEND reforms and the development of national inclusion standards.

NEURODIVERGENT WOMEN AND GIRLS · 2026-09-09 · READ IN HANSARD

Autistic people and people with ADHD have been struggling to get the right support at the right time. Recommendations from Professor Karen Guldberg’s neurodivergence task and finish group directly informed the SEND reforms that were published earlier this year.

NEURODIVERGENT WOMEN AND GIRLS · 2026-09-09 · READ IN HANSARD

The Equality Act 2010 places a duty on public bodies to make reasonable adjustments, so that disabled people are not put at a disadvantage by accessibility challenges.

CONTACTING DEPARTMENTS: ACCESSIBILITY · 2026-09-09 · READ IN HANSARD

The hon. Gentleman raises an important point. This benefit is there to contribute to the additional costs of disability. Too often, what has happened—my hon.

TIMMS REVIEW: INTERIM REPORT · 2026-07-09 · READ IN HANSARD

I think we can take the hon. Member’s question as a tacit recognition that in 14 years the previous Government should have done something to fix these problems. The steering group is clear that the provision of cash to meet the additional costs of disability is vital.

TIMMS REVIEW: INTERIM REPORT · 2026-07-09 · READ IN HANSARD

The complete record

Every one of 5,185 lines we hold for Sir Stephen Timms, in date order, each linked to its source. Free to read, in full, without an account. Page 28 of 104.

  1. I welcome the recognition in the Chancellor’s statement that benefit rates have fallen too low in real terms, given current inflation. Does he agree that it is time now to rethink the mechanism through which benefits are uprated—he has referred to the IT problems that have constrained him—and the level at which benefits are set?

    ECONOMY UPDATE · 2022-05-26 · READ IN HANSARD

  2. Charities and NGOs now need to operate through a designated FCRA account at the State Bank of India’s main branch in Delhi. According to Christian Solidarity Worldwide, local human rights monitoring groups say the purpose of that is to supervise and monitor NGOs’ activity. The Act now gives the Government huge powers to inquire into what NGOs are doing, each time putting their work on hold until the inquiry is complete.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  3. Yet in January this year, the charity received some very bad news. The renewal of its Foreign Contribution (Regulation) Act licence had been refused; the decision was apparently made last December. The result is that Oxfam India is no longer able to receive funds from abroad. Its annual income will fall from around €15 million to €2.1 million; at least 11 of its 15 development projects will close; and its former reach of over 1.5 million people, mainly Dalits, indigenous populations, minorities, women and girls, will be drastically cut. No explanation for this decision has been given. Charities and non-governmental organisations in receipt of foreign funding in India must be registered under the Foreign Contribution (Regulation) Act 2010—the FCRA—which regulates how foreign funding can be received.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  4. I beg to move, That this House has considered the impact of India’s foreign contribution law on NGOs. I am very pleased to serve under your chairmanship this afternoon, Mr Twigg. This time last year, India had a devastating covid surge. By 6 May 2021, the country had recorded over 400,000 covid cases. Oxfam India, which was founded in India by the British charity Oxfam, provided urgent supplies and support. It worked with India’s health departments, district administrations and local organisations, and its staff set up oxygen plants, provided ventilators and delivered food to vulnerable communities. India’s Prime Minister, Narendra Modi, was among those who praised the response to the pandemic by civil society organisations, and Oxfam India played a key part in that response.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  5. The hon. Gentleman is absolutely right about that. It seems clear that the FCRA is being used to make life difficult for organisations that from time to time might be critical of the Government. In 2016, a commission appointed by the UN Human Rights Council called for the repeal of the Act, but in 2020 it was tightened up even further on the grounds of bringing greater accountability. Of course, what is happening to NGOs is part of a wider pattern in India. We all grew up thinking of India as the greatest democracy on the planet. The briefing for this debate from the all-party parliamentary human rights group is absolutely right to refer to “India’s rich tradition and constitutional status as a secular democracy.”

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  6. He told the BBC: “The Ministry of Home Affairs’ decision to deny renewal of FCRA registration will severely hamper these collaborations which were providing relief to those who needed it the most during times of crisis.” I hope the Minister will be able to reassure us that Her Majesty’s Government recognise the importance of this issue, and that the influence of her Department will be brought to bear in order to promote freedom of expression, even where it makes Governments uncomfortable at times.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  7. I am sure the Minister will agree with me about the negative impact of the FCRA, and I ask her and her colleagues to press the Indian authorities to review the legislation and lift some of the restrictions. They should also press for greater transparency of FCRA licence determination. I will finish with the words of Amitabh Behar—the chief executive of Oxfam India, whom I met on a recent Zoom seminar—about what is happening in India.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  8. Member for Torbay (Kevin Foster), said on 17 May: “The Permanent Secretary addressed the difficulties that some NGOs in India have faced due to the enforcement of the FCRA, which is impacting both on the work we are funding and the work of UK-headquartered global NGOs in India.” I very much welcome the permanent secretary’s intervention on this issue, but as I understand it, the Indian Government have given no assurances at all about whether these cases will be reviewed. There is clearly a lot more to do. In answering my question, the Under-Secretary of State for the Home Department said that the UK continues “to monitor developments related to the Foreign Contribution Regulation Act, especially impacts on UK Government-funded programmes in India, and the work of British NGOs in India.” However, we need more than monitoring.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  9. Will the Minister seek from the Indian Government an explanation of why Oxfam India’s activities are regarded as “not in the public interest”? Oxfam India has now filed a petition to the Indian Government for a final administrative review. There has as yet been no response. On 10 February, the permanent secretary at the Home Office, Sir Matthew Rycroft, raised this issue with his counterpart at the Indian Home Ministry. In response to my written question, the Under-Secretary of State for the Home Department, the hon.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  10. Member for Strangford (Jim Shannon) pointed out in his intervention, was the Missionaries of Charity, founded by Mother Teresa. It was blocked from accessing international funding on the grounds of “adverse inputs”, but nobody knows what that means, or what the problem with Mother Teresa’s charity was thought to be. As the hon. Gentleman rightly said, the decision has been reversed, which at least suggests that external pressure can help to deliver renewal of an FCRA licence. Oxfam India applied well before the deadline. No reasons for the refusal were given, simply a statement that the decision had been taken in the “public interest”, but one of the problems is that the FCRA definition of “activities prejudicial to the public interest” is extremely vague.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  11. Oxfam India applied to renew its licence on 1 April last year, in good time, but it appears that the application was rejected on 15 December, although the organisation has received no official communication from the Indian Government about that decision. Now, it can only raise resources within India, but its previous income was 75% made up of foreign aid. A lot of staff will lose their jobs, and crucial humanitarian and social work has ended. In the five years after the current Indian Government first took office in 2014, more than 14,000 NGOs were barred from accessing foreign funding, seemingly mainly to hamper criticism of Government policies. Nearly 6,000 did not have their FCRA licences renewed last year. One notable organisation affected, as the hon.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  12. The head of Amnesty International India said at the time: “Even if you’re working on Covid, the law makes it very difficult for you to be able to even accept foreign aid coming in without being in violation of the law”. Greenpeace, too, has lost its licence. The Ford Foundation has been suspended. NGOs from other overseas countries are telling their own Governments how hard this is making things for them. Oxfam—I started with this case—has been sending help to India since 1951. Oxfam India became a fully Indian organisation in 2008. Today, it is one of the country’s largest NGOs, providing food, shelter, clothing, medicine and medical equipment. It was reaching more than 1.5 million people, but has now lost its FCRA licence, so that number will be reduced drastically.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  13. The Ministry of Home Affairs said that was on the basis of a field agency report. The group challenged the decision in the High Court and, in the Ministry’s evidence to the court, it complained that the organisation used foreign funding to pass information to United Nations special rapporteurs and to foreign embassies, that that was “portraying India’s human rights record in negative light…to the detriment of India’s image”, and that such acts were “undesirable activities detrimental to national interest”. My hon. Friend the Member for Manchester, Gorton (Afzal Khan) was right to draw attention to Amnesty International being forced to put an end to its covid support.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  14. They have also created new bureaucratic and practical hurdles, a ban on NGOs transferring funds to other NGOs, other restrictions on fund distribution, a cap on administrative costs, and delays from the necessity of additional form filling. It is claimed that all of that is to strengthen transparency and accountability, but it is fairly clear that the Government are targeting charities and non-profits that question their policies. Will the Minister urge the Indian authorities to review carefully the FCRA for compliance with international human rights standards and to suspend aspects of the law that restrict charities from providing urgently needed relief? The Centre for Promotion of Social Concerns is a prominent human rights organisation in India. It lost its licence under the FCRA in 2016.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  15. Freedom House ranked India as only “partly free” in its Freedom in the World report this year, noting that: The constitution guarantees civil liberties including freedom of expression and freedom of religion, but harassment of journalists…NGOs…and other government critics has increased significantly”. The Economist Intelligence Unit’s latest Democracy Index categorises India as a “flawed democracy”. Civicus, the Johannesburg-headquartered global civil society alliance, categorises Indian civil society as “repressed”, which is the second worst category in its ranking, having downgraded in 2019. Not one of those indices proves there is a problem, but the overall message that they all convey is unmistakable. The 2020 changes to the FCRA have effectively banned NGOs from research, advocacy and campaigning.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  16. I do agree with that. The situation is very worrying. I remember vividly the pride of Muslim constituents with roots in India, their home country, when I was first elected, but that has all drastically changed. There have been new laws to make things difficult specifically for Muslim citizens. Our Prime Minister’s state visit to India last month took place against a backdrop of inter-religious violence in Delhi and the demolition of Muslim-owned buildings. The Christian charity, Open Doors, which launches its watchlist every year in Parliament, now designates India as the tenth worst country in the world in which to be a Christian. It has been sliding down other indices as well. It is ranked 150 out of 180 countries in the latest World Press Freedom index.

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  17. I welcome the intervention of the Home Office permanent secretary. Can the Minister tell us whether the case of Oxfam India has been taken up by Ministers, perhaps by the Prime Minister when he recently visited India?

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  18. I am grateful to the Minister for setting out the increasingly close nature of the relationship. Can she assure us that Ministers will make representations to the Indian authorities about the position of Oxfam India in order that it can continue to obtain income from outside the country?

    INDIA’S FOREIGN CONTRIBUTION LAW: NGOS · 2022-05-25 · READ IN HANSARD

  19. It is estimated that 4,000 Muslim students a year do not go into higher education because there is no finance available that is compatible with their faith. David Cameron promised to fix this nine years ago. A good deal of work was done, but it seems to have run into the sand in the past few years. I am grateful to the Secretary of State for reaffirming the Government’s commitment to delivering on David Cameron’s promise, but can he give us an indication of how much longer Muslim students will have to wait?

    ALTERNATIVE STUDENT FINANCE: MUSLIM STUDENTS · 2022-05-23 · READ IN HANSARD

  20. To make his EU deal work, the Prime Minister inserted a border between Great Britain and Northern Ireland. Some accepted the absurd claim that there would not be any checks across that border. That misjudgment has proved electorally disastrous and potentially fatal to the Union. The Foreign Secretary has announced today that the Government may well breach the agreement that the Prime Minister negotiated. What assessment has she made of the impact of that announcement on trade negotiations that are under way with other countries around the world?

    NORTHERN IRELAND PROTOCOL · 2022-05-17 · READ IN HANSARD

  21. The other day, the Chancellor said that he could not increase benefits because of IT problems. At the start of the pandemic, quite rightly, he increased universal credit by £20 a week. Will he do that again?

    TACKLING SHORT-TERM AND LONG-TERM COST OF LIVING INCREASES · 2022-05-17 · READ IN HANSARD

  22. I agree with the right hon. Gentleman about the independence of the Bank of England. At the Liaison Committee in March, he suggested to the Prime Minister that there should be a one-off uprating of benefits, given that inflation is much higher than the 3.1% by which uprating was applied. I agree with him about that and I wonder whether he stands by that suggestion.

    TACKLING SHORT-TERM AND LONG-TERM COST OF LIVING INCREASES · 2022-05-17 · READ IN HANSARD

  23. The foundation says that that is “driving impoverishment and further debt, particularly hitting the most vulnerable.” We need major changes, especially to the five-week wait for a first regular universal credit payment, which forces people to take out an advance. Pensioner poverty is now surging. We know that, in 2019-20, 850,000 families entitled to pension credit did not claim it. We need real vigour behind raising take-up. The Department for Work and Pensions should have a take-up target for pension credit and a plan to deliver it. In 2010-11, the DWP trialled automatic payments of pension credit, and it should do that again. The least well-off in our society need urgent help. As Sir John Major said yesterday: “Everyone needs to believe that The State cares about them”, too. There is no time to lose.

    TACKLING SHORT-TERM AND LONG-TERM COST OF LIVING INCREASES · 2022-05-17 · READ IN HANSARD

  24. I agree with the Chair of the Treasury Committee, who has just reaffirmed the case for an interim uprating, about which he pressed the Prime Minister at the Liaison Committee. The Prime Minister said that he would look at it. It is urgent. Crisis highlighted that local housing allowance rates have been frozen for two years in a row. Average rents went up by 8.3% just in the last three months of last year. Families on the breadline face an average £372 deficit between the local housing allowance and the cheapest rents in their area. In research just published, Lloyds Bank Foundation reports that 44% of universal credit recipients are having money deducted, averaging £78 a month—nearly a fifth of what single over-25s can claim. Deductions are for advance repayments, old tax credit overpayments, energy or rent arrears.

    TACKLING SHORT-TERM AND LONG-TERM COST OF LIVING INCREASES · 2022-05-17 · READ IN HANSARD

  25. His answer was that “we want to support people into work wherever possible”, but a large number of people cannot work and they have to survive too. Surely, the Government must now respond to the immense pressure on those families. Mike Brewer of the Resolution Foundation pointed out to our Committee the obvious problem with benefits going up by 3.1%, as they did last month, when inflation is 8% and rising. He proposed revisiting uprating, immediately for universal credit, as the Chancellor confirmed that he could and as he did at the beginning of the pandemic, and in October for those benefits needing longer—there are some of those, as he has pointed out to the House. That must surely now be done. Universal credit was raised by £20 a week before, so the Chancellor should do it again.

    TACKLING SHORT-TERM AND LONG-TERM COST OF LIVING INCREASES · 2022-05-17 · READ IN HANSARD

  26. Citizens Advice reports that a single unemployed person spent 15% of their benefit on energy bills two years ago. It is now 25% and it will be 50%—just on energy—when the cap goes up again in October. How can people pay their other bills, which are also going up? National Energy Action told the Select Committee that, after last month’s energy price rises, 6.5 million UK households are in fuel poverty. It is a disaster for families with long-term health problems; being cold at home makes respiratory and circulatory problems much worse. The Gracious Speech provided no help at all to people dependent on benefits. At the Liaison Committee, I asked the Prime Minister why the spring statement did nothing.

    TACKLING SHORT-TERM AND LONG-TERM COST OF LIVING INCREASES · 2022-05-17 · READ IN HANSARD

  27. I am pleased to follow the right hon. Member for Central Devon (Mel Stride), who chairs the Treasury Committee. I agree with much of what he said. Cost of living rises affect everybody. The Work and Pensions Committee focuses on families with the lowest incomes who depend on social security. The prospects for them at the moment are bleak. The Committee argued—unanimously, cross-party—against the removal of the £20 a week uplift in universal credit last October. The Government went ahead anyway and cut the main benefit rate to the lowest real-terms level for more than 30 years. As a proportion of average earnings, it is lower now than when Lloyd George introduced unemployment benefit in 1911. Benefits are at a historically low level and no Minister can justify that—we have asked. We now have a massive cost of living surge.

    TACKLING SHORT-TERM AND LONG-TERM COST OF LIVING INCREASES · 2022-05-17 · READ IN HANSARD

  28. The Secretary of State mentioned today’s labour market statistics. Will she confirm that they show there are now half a million fewer people in employment than before the pandemic?

    TACKLING SHORT-TERM AND LONG-TERM COST OF LIVING INCREASES · 2022-05-17 · READ IN HANSARD

  29. In the Homes for Ukraine scheme, it is left to the individuals involved to sort out matches with hosts for themselves, often through ad hoc Facebook groups. It is not surprising that that has led to reports such as: “Ukrainian refugees using Facebook groups to seek a safe home in the UK are being put at risk of sexual exploitation”. Criminal record checks on their own cannot prevent such exploitation. What assurance can the Secretary of State give in respect of the rigour and effectiveness of the separate home checks that are undertaken for the scheme?

    TOPICAL QUESTIONS · 2022-05-16 · READ IN HANSARD

  30. But giving an apology and then carrying on is not being held to account. Does the Prime Minister recognise that there is a very serious problem for the long term in leaving a lawbreaker in charge of the lawmakers?

    EASTER RECESS: GOVERNMENT UPDATE · 2022-04-19 · READ IN HANSARD

  31. I congratulate the Secretary of State on his choice of Monega Primary School for his speech this morning. Some multi-academy trusts are a bureaucratic mess at the moment. I welcome the proposal to allow local authorities to set up and lead trusts. Does he also have plans, as has been reported, to allow schools to exit MATs that do not suit them and to increase the accountability of trusts to local authorities?

    SCHOOLS WHITE PAPER · 2022-03-28 · READ IN HANSARD

  32. It has been reported overnight that people on universal credit will see only about half of the gain from the measure that the Minister is bringing forward compared with those who are not on universal credit because the portion of people’s income that will not now be subject to 12% national insurance will instead be subject to the universal credit taper at 55%. Is that assessment correct?

    NATIONAL INSURANCE CONTRIBUTIONS (INCREASE OF THRESHOLDS) BILL · 2022-03-24 · READ IN HANSARD

  33. Mike Brewer, who used to be with the Institute for Fiscal Studies, has said this morning about the value of the £330 figure to the average employee: “If you are getting UC, then you lose 55% of that to a reduced UC award.” I think that is a major issue for the House in evaluating the measure that the Chief Secretary is bringing forward. Could he please urgently clarify for us whether that is indeed the case?

    NATIONAL INSURANCE CONTRIBUTIONS (INCREASE OF THRESHOLDS) BILL · 2022-03-24 · READ IN HANSARD

  34. I am grateful to the right hon. Gentleman and I apologise for intervening once again. He has made it clear that he is not able to answer the question about the effect of this measure on people claiming universal credit. Can he commit the Financial Secretary to the Treasury to giving us an answer on that point before the end of the debate? It is an important issue for the House to take into account when determining its decision on this measure.

    NATIONAL INSURANCE CONTRIBUTIONS (INCREASE OF THRESHOLDS) BILL · 2022-03-24 · READ IN HANSARD

  35. The Minister mentioned Martin Lewis, and I wonder if she could provide the information that the Chief Secretary said she might be able to give in winding up this debate about the effect of this national insurance measure on people claiming universal credit. Martin Lewis has made the point that they will lose 55% of the £330 a year benefit. Will she confirm that that is correct?

    NATIONAL INSURANCE CONTRIBUTIONS (INCREASE OF THRESHOLDS) BILL · 2022-03-24 · READ IN HANSARD

  36. The Conservative party introduced universal credit, but instead of uprating it in line with current inflation, the Chancellor has chosen to increase the size of the household support fund. Those who have heard of it have to go to their local councils to receive it. What evidence, if any, does the Chancellor have that the fund is effective in delivering help to the families who need help most?

    FINANCIAL STATEMENT · 2022-03-23 · READ IN HANSARD

  37. The Minister could have a busy summer ahead. Take-up of pension credit remains low: an estimated 850,000 pensioner households across the country are not receiving the help that they are entitled to. The Department could feasibly work out who those households are and simply make them an award of pension credit. Given the scale of the current cost of living crisis, will the Department commit to an ambitious target for increasing the take-up of pension credit across the country and to a much more ambitious campaign to promote it?

    PENSION CREDIT CLAIMANTS: KETTERING · 2022-03-21 · READ IN HANSARD

  38. The Minister referred earlier to the modest reported percentage increase in take-up of pension credit. Does he recognise that that increase is a consequence of the removal of mixed-age pensioner couples from eligibility for pension credit, rather than of any actual increase in take-up? Is it not high time that the Department set an ambitious take-up target and published an action plan to deliver it?

    TOPICAL QUESTIONS · 2022-03-21 · READ IN HANSARD

  39. I very much agree with the point that my right hon. Friend is making. Pension credit, introduced in 2003, has been a powerful lever for tackling pensioner poverty. Does he agree that the Government should set an ambitious target for increasing the take-up of pension credit so that the number of people who benefit substantially increases?

    COST OF LIVING INCREASES: PENSIONERS · 2022-03-21 · READ IN HANSARD

  40. As the Secretary of State knows, about a third of those who are eligible for pension credit do not receive it at the moment. She told us earlier that there is an action plan to improve that. Will she publish that action plan and include in it an ambitious target for increasing the take-up of pension credit?

    COST OF LIVING INCREASES: PENSIONERS · 2022-03-21 · READ IN HANSARD

  41. This week’s employment figures show that there are 580,000 fewer people in work now than there were before the pandemic. In particular, there seem to be several hundred thousand older workers now choosing not to work nor to claim benefit. We all want a full labour market recovery. Does the Minister recognise that this is going to require major Government investment rather than the disinvestment that I think he is announcing this morning?

    DWP ESTATE: OFFICE CLOSURES · 2022-03-17 · READ IN HANSARD

  42. Soon after the pandemic began, the Prime Minister said: “people who have worked hard for this country, who live and work here should have support of one kind or another”. The no recourse to public funds condition meant that many got no support at all. The Select Committee on Work and Pensions has heard harrowing testimony of the hardship that resulted. Will the action plan that the Minister has announced review no recourse to public funds, which has driven ethnic disparity?

    COMMISSION ON RACE AND ETHNIC DISPARITIES · 2022-03-17 · READ IN HANSARD

  43. Q13. Three weeks ago, the chair of the UK Statistics Authority, Sir David Norgrove, wrote to the Prime Minister to point out that his repeated assertion that employment is now higher than it was before the pandemic is incorrect. Yesterday’s employment statistics show 840,000 fewer self-employed people now than before the pandemic and that overall employment is 580,000 lower. Does the Deputy Prime Minister agree that truthfulness is vital to trust in our democracy? Does he accept the correction from Sir David Norgrove?

    ENGAGEMENTS · 2022-03-16 · READ IN HANSARD

  44. Friend the Member for Kingston upon Hull West and Hessle (Emma Hardy) rightly said—I apologise to her for being absent for some of her speech—one of the reasons why Pension Wise is important is so that people can avoid being scammed. In June 2015, I received from the Treasury the answer to parliamentary written question 2227, which said that “Pension Wise was launched to help people understand their options when taking advantage of the pension freedoms, including how to spot and avoid scams.” Over the past seven years, there has been a very big phenomenon of pension scams that it is in everybody’s interest to prevent. So the default should be that people get a Pension Wise appointment.

    PENSIONS GUIDANCE AND ADVICE · 2022-03-01 · READ IN HANSARD

  45. 793.] It was a very clear recognition of the risks involved in people having much more latitude over their pension savings—often the largest sum of money they will ever have access to—and that the Government needed to ensure that everyone had guidance to help them make sound decisions. However, that guarantee has never materialised, and the hon. Member for Amber Valley was absolutely right to say that hundreds of thousands are accessing their pension pots without understanding what they are trying to do. We do have the Pension Wise service, which is excellent. It is free and impartial, as George Osborne promised, and as the hon. Member for Amber Valley said, it gets very good ratings from those who use it—the problem is that very few people do. As my hon.

    PENSIONS GUIDANCE AND ADVICE · 2022-03-01 · READ IN HANSARD

  46. I start by congratulating the hon. Member for Amber Valley (Nigel Mills) on securing the debate and on his opening speech. There was a serious flaw in implementing the pension freedoms. They were announced by George Osborne in his Budget speech in 2014 and implemented the following year. He said in his announcement that “no one will have to buy an annuity. We are going to introduce a new guarantee, enforced by law, that everyone who retires on these defined contribution schemes will be offered free, impartial, face-to-face advice on how to get the most from the choices they will now have.” —[ Official Report , 19 March 2014; Vol. 577, c.

    PENSIONS GUIDANCE AND ADVICE · 2022-03-01 · READ IN HANSARD

  47. The Minister suggested in his intervention that he thinks use might not be far from that level at the moment, so let us use that as a clear goal. The Committee also recommended “that automatic Pension Wise appointments are trialled.” We suggested “two trials: one with an appointment when a person accesses their pension for the first time and another at the age of 50, before they can access their pension savings.” I commend those proposals and recommendations to the Minister.

    PENSIONS GUIDANCE AND ADVICE · 2022-03-01 · READ IN HANSARD

  48. As he pointed out, “that tells you that the vast majority of people, left to their own devices, will probably make a poor decision.” As far as I can see, the Government’s current policy will leave the great majority of savers in exactly that position. We need to do more. Government and regulators need to end their indifference on this. We need at least a trial of auto-enrolment into a service that enables better outcomes from pensions savings. There will no doubt be difficulties, but let us at least try it out. The Money and Pensions Service has told the Committee that it would be very happy to support a trial. The Committee recommended that “the Government sets a goal for the Money and Pensions Service for the combined use of Pension Wise and paid-for advice when accessing pension pots for the first time” of “at least 60 per cent”.

    PENSIONS GUIDANCE AND ADVICE · 2022-03-01 · READ IN HANSARD

  49. Take up, however, is not high enough.” The report went on to point out that “the existing Pension Wise promotion regime” had “proved insufficient.” It is a very good service: nine out of 10 of those who use it report high or very high satisfaction—that is a pretty impressive—but it is hidden away from most people. The default ought to be that people get an appointment. That is why the Committee has recommended at least trialling automatic Pension Wise appointments. Sir Hector Sants, the chair of the Money and Pensions Service, told the Committee in March that 72% of people change their mind about what they will do with their pensions savings as a result of talking to Pension Wise.

    PENSIONS GUIDANCE AND ADVICE · 2022-03-01 · READ IN HANSARD

  50. Michelle Cracknell, the then head of the Pensions Advisory Service, which was subsequently absorbed into the Money and Pensions Service, said in evidence in October 2014 that “ambition is that the take-up rate will be very high, with over 75% of people taking the guidance”, but that it might only be 25% to start with. In fact, it has never got anywhere near 25%, let alone 75%. The Committee’s concern about Pension Wise take-up is long-standing and goes back well before I became Chair, to the period years ago when the hon. Member for Amber Valley was a member of the Committee. The Committee’s 2017 report stated: “Free and impartial Pension Wise guidance, provided by telephone or face-to-face appointment, is greatly valued by those who use it.

    PENSIONS GUIDANCE AND ADVICE · 2022-03-01 · READ IN HANSARD