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UK PARLIAMENT · SITTING

Mark Garnier

MP for Wyre Forest · Conservative · United Kingdom

IN THEIR OWN WORDS

Many commentators have commented about public sector productivity underperformance. EY tells us that the public sector has underperformed to the point where it has cut GDP growth by 3% since 2019. The Institute for Government highlights an average of nearly 1% underperformance every year for that same period.

PUBLIC SECTOR PRODUCTIVITY · 2026-09-08 · READ IN HANSARD

My right hon. Friend raises another big argument that we could have on the issue of rural broadband, but it is worth making the point regarding internet connectivity that I was just coming on to. I know this is as painful in other constituencies as it is in Wyre Forest.

FACE-TO-FACE BANKING: RURAL AREAS · 2026-09-01 · READ IN HANSARD

I remember the impact that was felt in 2015 when HSBC closed the last bank in Bewdley in my constituency; people were utterly dismayed. Happily, the post office stepped in and was able to help resolve the issues, but since then we have now discovered that that the post office is under threat.

FACE-TO-FACE BANKING: RURAL AREAS · 2026-09-01 · READ IN HANSARD

As I say, I am not an apologist for banks, and I am keen to ensure that we get a balanced argument. The hon. Lady is absolutely right that that is an awful lot of money, but it all comes down to what should be the right and proportionate response.

FACE-TO-FACE BANKING: RURAL AREAS · 2026-09-01 · READ IN HANSARD

If a branch is not viable, should the bank keep it open? We must look at the other opportunities. The last Conservative Government recognised that and were committed to retaining vital banking services.

FACE-TO-FACE BANKING: RURAL AREAS · 2026-09-01 · READ IN HANSARD

New York is the biggest financial services centre in the world and London is the second biggest, but in New York, 80% of the turnover is driven by the domestic market of America, while just 20% is international; those numbers are reversed in the UK, where 80% of the activity is international.

UK FINANCIAL SERVICES · 2026-09-01 · READ IN HANSARD

The complete record

Every one of 600 lines we hold for Mark Garnier, in date order, each linked to its source. Free to read, in full, without an account. Page 6 of 12.

  1. It is the most extraordinary thing. He refers to it in terms that none of us recognises. But he has brought this in—this is the point. Is the Minister chuffed that his choice comes down to the least worst option for everyone? Here is the truth: it was the Chancellor’s choice to introduce this policy, and this Government are the ones implementing it—they are the ones who are in government. Let us get to the measures and the impact of the Bill. To be fair, it is a very even Bill; there is something in it for everybody to hate. Take middle-income earners, who are typically in their 30s, and who earn on average a touch under £42,000 a year. This is the target area where the attack on savings starts. This is right at the point in life where people should be doing their very best for their future retirement.

    NATIONAL INSURANCE CONTRIBUTIONS (EMPLOYER PENSIONS CONTRIBUTIONS) BILL · 2025-12-17 · READ IN HANSARD

  2. The report also goes into why salary sacrifice for pensions is used by employers in addition to the incentive of paying into a pension, stating that extra benefits include: savings for employees, so that they have more to spend on essentials, tackling the cost of living crisis; savings for employers, which they can then invest back into their business and staff; and incentives for recruitment and retention. These are all good things—this is the stuff of delivering growth and the basis of creating a savings and investment culture. Why would this Government want to take it away? The report came to the conclusion that of the three proposed options for change, the £2,000 cap is no more than the least terrible option. [ Interruption. ] The Minister talks about it being a secret plan—it is a published document. What is he talking about?

    NATIONAL INSURANCE CONTRIBUTIONS (EMPLOYER PENSIONS CONTRIBUTIONS) BILL · 2025-12-17 · READ IN HANSARD

  3. Indeed—our report, though it was published in May this year. It is a weighty tome. Even its title is pretty dry: “Understanding the attitudes and behaviours of employers towards salary sacrifice for pensions”. The Minister proudly told us that this document underscored the rationale for— [ Interruption. ] Oh—because it is important stuff. He told us that it underscored the rationale for capping salary sacrifice. However, having read the report, I can tell the House that it actually concludes that: “All the hypothetical scenarios explored in this research”, including the £2,000 cap, “were viewed negatively” by those interviewed. The changes would cause confusion, reduce benefits to employees and disincentivise pension savings. The report the Minister is using tells him not to do this.

    NATIONAL INSURANCE CONTRIBUTIONS (EMPLOYER PENSIONS CONTRIBUTIONS) BILL · 2025-12-17 · READ IN HANSARD

  4. In the recently published financial inclusion strategy, the Government state: “Our aim is to create a culture in which everyone is supported to build a savings habit, building their financial resilience in the long term.” What is not to like about that, Mr Speaker? But that makes the Chancellor’s political decisions in the Budget even more confusing. Just look at what was announced: reducing the cash individual savings account limit to £12,000; scrapping the lifetime ISA; capping salary sacrifice schemes at £2,000; increasing tax on dividends by two percentage points; increasing savings income tax by two percentage points; freezing the repayment thresholds for student loans; freezing income tax thresholds for working people; freezing personal allowance thresholds for pensioners—

    FINANCIAL INCLUSION STRATEGY · 2025-12-09 · READ IN HANSARD

  5. The Chancellor’s Budget put a cap on salary sacrifice for pension savers at just £2,000. That was to raise an extra £4.8 billion in 2029, and it will affect 3.3 million savers and 290,000 employers. What research has the Pensions Minister done to understand and quantify the negative effects that this will have on pension savings?

    TOPICAL QUESTIONS · 2025-12-08 · READ IN HANSARD

  6. Well, it was not us who put it in place; it was Labour. This policy hits the private sector disproportionately: 14 times as many people save through salary sacrifice in the private sector as they do in the public sector. Whether it is kite-flying about lump sum withdrawal or taxing inherited pension pots, in a week when Labour Together is canvassing Labour members about a new Labour leader, is it not the case that the Chancellor is more interested in throwing red meat to her sad and unfortunate Back Benchers in a vain attempt to save her job than she is in the interests of the savings of our hard-working constituents?

    TOPICAL QUESTIONS · 2025-12-08 · READ IN HANSARD

  7. Indeed, it found that spending £1 in return-to-work schemes could save the taxpayer £6 through consequential cuts to benefits and increased tax intake from the subsequent jobs. Most importantly, we would also be offering young people the confidence boost that comes from discovering a job where they can thrive. To conclude, we must ensure that there is targeted support for all young people, no matter what barriers they face, so that they can start and succeed in work. We urge the Government to reverse their damaging economic policies that are crippling the very sectors that offer many young people their first stint in employment. We must back our small and medium-sized enterprises to the hilt, rather than strangle them with ever more costly regulations. Having stronger businesses means more and better jobs for everyone.

    YOUNG PEOPLE NOT IN EDUCATION, EMPLOYMENT OR TRAINING · 2025-11-26 · READ IN HANSARD

  8. To truly tackle worklessness, we must trust our small and medium-sized businesses to make their own staffing decisions. Increased employment rights mean nothing if there are no jobs in the first place. Shortly after I was elected, I set up the Wyre Forest jobs fair to connect private and public sector employers with local jobseekers, including young people. I recognise that looking for work can, in itself, be hard work, and that was one way to broaden people’s horizons. Supporting this nation’s NEETs comes with great rewards. If we could get just 5% of unemployed under-25s back into work, the Government would save £903 million over the course of this Parliament, according to research commissioned by the Work and Pensions Committee.

    YOUNG PEOPLE NOT IN EDUCATION, EMPLOYMENT OR TRAINING · 2025-11-26 · READ IN HANSARD

  9. If we are serious about reducing the number of NEETs, we must increase the number of jobs available overall, yet jobs in hospitality and retail have plummeted after Labour’s damaging hikes in employers’ national insurance contributions, with 150,000 jobs having been lost since the last Budget. Between October 2024 and August 2025, a staggering 89,000 jobs were lost in restaurants, bars and hotels, according to UKHospitality. Additionally, the Employment Rights Bill has rightly been labelled the “Barriers to Work Bill”. Banning probation periods will discourage employers from giving young people a chance. We should be rewarding employers for taking a risk and hiring an inexperienced recruit, not narrowing the talent pool by taking this option off the table.

    YOUNG PEOPLE NOT IN EDUCATION, EMPLOYMENT OR TRAINING · 2025-11-26 · READ IN HANSARD

  10. We oversaw the creation of 1 million more apprenticeships. Our new plan to get Britain working again will give young people a first job bonus, redirecting the first £5,000 of national insurance that they would have paid into a savings account instead, which they can then use to save towards their first home, for example. However, this Government’s policies are effectively locking young people out of work, denying them the chance to build their own future. The Government have announced a youth guarantee, a new jobs and careers service, and foundation apprenticeships, which are available only to young people. To me, those sound like empty assurances. Labour should not be promising more apprentices on the one hand while slashing accessible jobs in hospitality and retail on the other.

    YOUNG PEOPLE NOT IN EDUCATION, EMPLOYMENT OR TRAINING · 2025-11-26 · READ IN HANSARD

  11. So far, this Government have not demonstrated an incredible plan to turn the tide; the benefits bill is ballooning, with 1 million more people on welfare than when Labour first entered office, and they are kicking the can down the road with the independent investigation into youth inactivity led by Alan Milburn—we will not hear its findings until summer 2026. Meanwhile, the number of NEETs will continue to grow, with each one costing the economy nearly £200,000. By contrast, previous Conservative Governments have demonstrated a strong track record of supporting young people into work. [ Laughter. ] I am glad that some Members find that amusing. We cut youth unemployment by 43.8% between 2010 and 2023, despite the rocky economic terrain that we inherited after the 2008 financial crisis.

    YOUNG PEOPLE NOT IN EDUCATION, EMPLOYMENT OR TRAINING · 2025-11-26 · READ IN HANSARD

  12. These are young people with talent and potential; they could, one day, set up a social enterprise or make the next scientific breakthrough, or they could join the workforce as postmen, plumbers and paramedics, as well as countless other roles that form the backbone of our economy and our country. However, they are currently languishing at home with no purpose and no hope for the future. Being out of work at a young age can cost over £1 million in lost earnings over a lifetime, according to the “Keep Britain Working” review. Every single day of worklessness is a day of wasted opportunity, damaged ambition and diminished income.

    YOUNG PEOPLE NOT IN EDUCATION, EMPLOYMENT OR TRAINING · 2025-11-26 · READ IN HANSARD

  13. It is a great pleasure to serve under your chairmanship, Mr Dowd. I add my congratulations to the hon. Member for Amber Valley (Linsey Farnsworth) on bringing this important debate to Westminster Hall. Conservatives are the party of aspiration. We believe that work is not just a payslip; it is a pathway to opportunity, dignity and hope, but for too many young people across the country, those words may ring hollow. The number of people who are NEET has soared to nearly 1 million, meaning that one in eight people aged 16 to 24 is currently deprived of the sense of purpose that comes from holding down a stable job or training for a future career. In 2024, over half of the NEETs had a health condition, and around one in five had a mental health condition.

    YOUNG PEOPLE NOT IN EDUCATION, EMPLOYMENT OR TRAINING · 2025-11-26 · READ IN HANSARD

  14. While we are talking about bonds, does my hon. Friend agree that, given the fact that we have an unusually large amount of index-linked gilts in the market and inflation is running at a higher rate than it was when Labour came to power, the cost of paying off the debt is going up at a disproportionately fast rate, thanks to Labour’s policies?

    BUDGET RESOLUTIONS · 2025-11-26 · READ IN HANSARD

  15. But we are in agreement on the overall thrust of this statutory instrument, so I will not trouble the Committee any longer.

    DRAFT OCCUPATIONAL PENSION SCHEMES (COLLECTIVE MONEY PURCHASE SCHEMES) (EXTENSION TO UNCONNECTED MULTIPLE EMPLOYER SCHEMES AND MISCELLANEOUS PROVISIONS) REGULATIONS 2025 · 2025-11-24 · READ IN HANSARD

  16. I suspect the name of this statutory instrument is probably longer than my speech will be. I am grateful to the Minister for his words about the details of this instrument. Its intention is to bring more people who are not saving into pensions into the pension schemes. In that respect, it builds on work done by the previous Conservative Government, which I think we would all agree were 14 years of strong and stable Government [Hon. Members: “Hear, hear!”] Thank you very much. We are 100% behind this. It continues the work of the previous Government. It has the intention that we always had—to get more people saving into pension schemes. In the broader sense, it follows the intentions of the Pension Schemes Bill, which is currently passing through Parliament, and on which we disagree with one or two things.

    DRAFT OCCUPATIONAL PENSION SCHEMES (COLLECTIVE MONEY PURCHASE SCHEMES) (EXTENSION TO UNCONNECTED MULTIPLE EMPLOYER SCHEMES AND MISCELLANEOUS PROVISIONS) REGULATIONS 2025 · 2025-11-24 · READ IN HANSARD

  17. I could turn to any number of articles in the national and regional press that talk about cowboy builders. A relatively simple search for stories of rogue and cowboy builders reveals 1,500 such stories in the last five years alone, and that is just the stories that made the press. This is a very insidious problem. Chat to almost anybody who has had any building work done to their home, and they will roll their eyes and admit that they have had trouble of one sort or another. But we do not have to rely on hearsay and the media to understand the problems and the implications. The Federation of Master Builders conducts surveys to see what the effect is on the RMI market, and a recent poll of homeowners discovered that one in three were put off having work done on their home because of the fear of being ripped off.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  18. I beg to move, That this House has considered the matter of protecting consumers from rogue builders. I am conscious that we may have to go off for multiple votes before half-past 4, so I will crack on with what was going to be 45 minutes of the most magnificent speech—I will abridge it to just 42. I am missing out the bit where I was going to be nice about builders—I am afraid I will concentrate on the nastiness of builders. I start by defining the area that I am keen to concentrate on, which is the smaller end of the market. Known as the repair, maintenance and improvement sector, or RMI, this is the area where we see many appalling stories of people’s lives being ruined by unwittingly taking on so-called dodgy builders. There are countless stories in the press, and there are TV shows specialising in these types of problems.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  19. The consumer is not the only victim of rogue or cowboy builders. Within the industry, many find themselves a victim of the same problem. Subcontractors find they are not paid, and it is the same for merchants. Plant hire companies are frequently the victims of theft and abuse of equipment. Alarmingly, health and safety is a low priority among many small and medium-sized building firms operating in the RMI market.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  20. I will talk about that in my speech. The fundamental problem is that, at the moment, the only course of redress is through the court system, and it is not good enough. The FMB does a lot of work in this area, and it is worth looking at some of its statistics. Thirty-seven per cent of customers report unreliability, and many of them cite apparently unqualified operators. Nearly a quarter—that is 25%—of all customers have lost money to rogues, with losses averaging £1,760, but in many cases the amount is far higher. The national loss is horrific. The FMB estimates that, over five years, homeowners have lost an astonishing £14.3 billion to unreliable builders, putting an astonishing burden on the housing market and households. It turns out that young adults are more at risk, with 33% scammed by rogue traders found via social media.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  21. It was seeking to take money off an individual customer by deliberately misleading him, and it failed to deliver the work contracted by that customer under the cover of misleading him—fraud, by any other name, or by the actual name. Mr Bennett went to the police, who told him that it was a civil matter. He tried all the avenues available to him to get this individual bang to rights, but to absolutely no avail. The company continues to rip off people, in full knowledge of the local law enforcers, trading standards, the local council and planning department, and multiple victims of its activities.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  22. In an extreme example of the problem—this is an important point—I recently met Andrew Bennett, who had engaged a local firm in Liverpool to refurbish a six-bedroom property that he owned—a job that was to be worth around £100,000. He checked out the firm and was happy with references and testimonials. He engaged the firm, but it turned out that the work was dangerously below standard. When he started to seek redress, he discovered that the company in question was not what he had been led to believe. It was a rogue builder passing off as a well-known, reputable company. Moreover, this dubious company had nine county court judgments against it and therefore had no money to pay the award to Mr Bennett when he won his case. That company was passing off as another.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  23. Rogue builders have an effect beyond their own unhappy activities. By undercutting reputable, high-standard builders that make up the majority of the market, they force them to cut their margins. Price competition is fine, but not when a worthwhile and reputable SME builder is competing against someone with no care for safety, honesty or customer satisfaction. Given that the RMI market is dominated by occasional customers—we are not doing this very often—it is quite likely that the key element of choice is price. Unhealthy price competition drives down standards, even if reputable firms are unhappy being forced to cut standards to compete.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  24. The hon. Gentleman is absolutely right. The current system does not satisfy people in any way, shape or form. Also, there is an inequality of risk, which I will come to in my speech. Although large firms working on major commercial and civil engineering projects have embraced health and safety legislation, a blitz of small refurbishment sites by Health and Safety Executive inspectors in 2016 found that a stunning 49% of sites fell below the standards set for compliance with health and safety requirements. More alarmingly, that cavalier attitude to health and safety reveals the potential problem of cowboy builders leaving dangerous sites. When someone has an extension built, might they be risking life and limb when they climb those stairs? Poor-quality building results in not just shoddy work, but dangerous and potentially fatal work.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  25. The reality is that anyone can make up a fictitious bill that they want us to pay, and we have to negotiate. To challenge or defend that type of bill requires a commitment of between £100,000 and £200,000 in legal and court fees to prosecute a court case, and in professional fees to demonstrate the loss. I spoke to any number of friends and colleagues with very senior legal experience, and everyone said that this type of problem has absolutely nothing to do with justice and everything to do with negotiation. One even said that it is like being mugged and then being charged for the knife, with the backing of the law. For many reasons, our legal system is so clogged up that it serves no one properly, allowing it to be abused by rogue traders.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  26. Yes. It is shameful how these builders can get away with it—it is absolutely astonishing. By the way, this campaign has been going on for a number of years. It is very good to see, behind the Minister, the official who has worked with me in the past, although we have yet to achieve what we want to achieve. How do victims of rogue builders seek redress? The answer, as we know, is not simple. They go to trading standards in the first instance but, with a rogue builder being, by definition, a rogue, the sanctions available are weak at best. Ultimately, the homeowner or small business owner who finds themselves a victim has no recourse other than the courts. However, the reality is that contract law simply does not work for people with problems above the small claims limit but below around £1 million.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  27. In the end, everybody said, “You have to negotiate.” We negotiated a final settlement, which was multiple times in excess. This is a fundamental problem. We do not get redress, and we have to negotiate even if we know the negotiation is bogus.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  28. The hon. Gentleman has probably read my speech, as that is the core of it. The legal problem is bigger than just failing to support victims through the court system. Rogue builders know the legal system works in their favour. There are builders who create fictitious bills or charge fictitious costs for work not carried out—I have seen that as a victim myself. I contracted a builder to renovate a much-loved family home, and they failed to do the work in time, which was a breach of contract. They rattled on for far too long, they did not do the whole work and, at the end, they put in a massive, fictitious bill. Our quantity surveyor reckoned there was an outstanding balance to pay of perhaps £6,000, but they put in a bill for £100,000.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  29. The victim may well prosecute the case in court and win both damages and costs. But at that point the rogue builder goes bust with no assets, as pointed out by the hon. Member for Altrincham and Sale West (Mr Rand), and starts a new business the following day to continue the process of ripping off consumers. Meanwhile, the victim’s costs are unpaid and run into hundreds of thousands of pounds. The consumer ends up winning the moral victory but losing an enormous amount of money, while the rogue builder goes on to do the same again without any consequence.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  30. They might contract a quantity surveyor regulated by the Royal Institute of Chartered Surveyors. They will probably need to borrow money, so they might approach a mortgage broker regulated by the Financial Conduct Authority. They will get help with a mortgage provided by a lender—again, regulated by the FCA, and possibly the Prudential Regulation Authority—with advice from a solicitor regulated by the Solicitors Regulation Authority. The money will then be deposited in a bank, again regulated by the FCA and the PRA. The whole process is laden with consumer protection right up to the point where the money is handed over to someone with absolutely no regulation, possibly no qualifications, and no protection mechanism for consumers. As I said before, the problem gets worse, but it is worth repeating.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  31. The hon. Gentleman makes exactly the right point. We need a balance of risk, and I will come to that point later. Consumers of repair, maintenance and improvement building services have no protection whatsoever. There is no practical protection for consumers to avoid the highly risky, unbelievably expensive and emotionally draining prospect of prosecuting contract law. Indeed, subcontractors working on my home were also victims of the rogue builder because they were not paid, either. It is extraordinary that consumers are unprotected. When we think about the whole process of refurbishing a home or building an extension, it looks even more astonishing. The proud homeowner seeking to improve their home will go to an architect regulated by the Architects Registration Board.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  32. The industry wants it too: 77% of SME builders and 78% of consumers agree with the FMB’s proposed licensing scheme. Enough is enough. I have a few more words about my engagement so far. Unfortunately, the Housing Minister is on his feet in the main Chamber talking about the Planning and Infrastructure Bill. I was looking forward to beating him up a bit, because he has been less than brilliantly helpful. None the less, it is very good to see the Minister from the Department for Business and Trade in her place. I look forward to hearing her helpful words about how the Government will introduce legislation to ensure our constituents are not ripped off endlessly by these wretched builders.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  33. A New Homes Quality Board has been set up to ensure that new homes are built to a certain standard. That is a welcome development. The fact that it has an ombudsman demonstrates that the Government and I are probably thinking along the same lines in a broad sense, but the New Homes Quality Board is targeted specifically at the new homes market. Given the Government’s target of 1.5 million new homes, it will have its work cut out. Importantly, it is not designed for the RM&I sector, which remains wholly unregulated and unsupervised. That is what the Minister must concentrate on. Many people agree that this problem in the RM&I sector is beyond redemption. The Federation of Master Builders report on this subject in 2018 said that even construction firms themselves agree that a compulsory licensing scheme is necessary.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  34. The Financial Services Compensation Scheme is an example of how consumers who have lost out as a result of poor practice can be compensated for their loss from a scheme financed by levies placed on licence holders in the relevant sector. The double effect is that the consumer gets their losses covered while the industry as a whole is incentivised to keep an eye on each other. An ombudsman would be able to assess consumer loss without the need to engage expensive and lengthy legal and professional experts to defend against bogus builds or to challenge poor work. These proposals aim to end the decades-long history of consumers who have been ripped off in one way or another by shoddy rogue builders. I am conscious of time, Ms Furniss, but I want to acknowledge that the Government have started to resolve some of these issues.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  35. Mortgage lenders would require evidence that money will be spent on a licensed firm. Architects and surveyors acting as project managers would need to see licences to engage a building firm in the first place, so consumer would know what they are getting. Consumers would be able to check the builder on the regulator’s website, in the same way that they can check their pension adviser on the FCA register. The regulator could be TrustMark, which already offers voluntary regulation. There should a code of conduct covering honesty, safety and quality of work. Failure to comply should have a series of sanctions, with the ultimate sanction of the loss of licence. An option could be a compensation scheme.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  36. My experience in this area has been with financial services and regulatory reform. Although I am not proposing anything remotely as complex as the FCA or the PRA to regulate builders, there is more than one important carry-across from financial services regulation. The first is that we do not want regulation to be a burden on the taxpayer. A licensing scheme must be self-financed through licensing fees: the building firms must pay for it. Rules for having a licence must be straightforward. Importantly, no firm or individual should be allowed to offer services directly to customers without a licence. That in itself would result in the wider building industry policing the market. If a builder knows that somebody else is a dodgy builder, it is in their interest to report them.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  37. How do we redress the balance of risk so that it does not favour the rogue builder but gives equal weight to both consumer and builder? The builder is not always in the wrong, so the solution must be balanced. Builders may occasionally need to be protected from rogue customers. The answer must lie in a scheme of regulation and licensing. In essence, what I am seeking to do—I have had a couple of presentation Bills on this topic—is get the Government to come up with a scheme of compulsory licensing for SME building firms working in the renovation and domestic improvement space. We do not know what it will be, but we need a system in which there is an equivalence of risk on both sides. There must be something that the builder as an individual can lose if he or she is found not to be doing their job properly.

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  38. Absolutely. Not only that, but if we think about the consequences, those 97 emails could have been sent for any one of the 100,000 constituents that we each have. We should not be doing this, and there should be a mechanism to sort it out. The important reality of all this is that there is no disincentive at all for the cowboy builder to present fictitious bills and do bad work. While the consumer must engage in a risky legal process, the rogue builder can game the system with no jeopardy whatever. As we learned from Mr Bennett's story in Merseyside and the many other people who contacted me, the police will not investigate a case with regard to fraud and rogue builders, as they deem it a civil matter. So what is the solution? How do we protect honest builders, subcontractors, merchants and, importantly, our constituents and consumers?

    ROGUE BUILDERS · 2025-11-13 · READ IN HANSARD

  39. The Government are set to break their manifesto pledge and increase the tax burden to a historic high. Is it not true that this Government have been trying to dodge taking any form of responsibility for their actions? What is their problem with pensioners?

    PENSIONS · 2025-11-11 · READ IN HANSARD

  40. All this statement shows is that the Government want to keep kicking the can down the road and not be held accountable for their actions, but we should look at the record: unemployment is at 5%, the highest level since the pandemic, up from 4.2% in June last year; inflation is now sitting at 3.8%, up from 2% in June last year; economic growth has flatlined, despite having improved by 0.5% in the three months before this Government took office; borrowing costs have increased to their highest level since 1998, with 30-year gilt yields reaching 5.2%, compared with 4.7% when the Government took office; debt is now 96.4% of GDP, the highest since the 1960s; and winter fuel payments were cut for millions of pensioners, only for the Government U-turn on that after feeling the pressure of our strong campaign.

    PENSIONS · 2025-11-11 · READ IN HANSARD

  41. Why have this Government decided not to directly engage with the group they once stood shoulder to shoulder with, especially given that there is new evidence to consider? Thirdly, during the 14 years we were in Government, we chose to help pensioners by increasing the personal allowance income tax threshold. However, independent research suggests that 1.6 million more pensioners are doomed to be filling in self-assessment tax returns within the next four years, thanks to the Government’s choices that may be made in the upcoming Budget. Has the Secretary of State had conversations with the Chancellor about the serious impact this retirement tax would have on a group that have consistently targeted by this Government? Finally, why are this Government determined to blame everyone else for the decisions they have made?

    PENSIONS · 2025-11-11 · READ IN HANSARD

  42. First, the Minister for Pensions said in a Westminster Hall debate on this topic on 15 January: “we will work with the ombudsman to develop a detailed action plan, identifying and addressing lessons from this and other PHSO investigations.” —[ Official Report, 15 January 2025; Vol. 760, c. 156WH.] However, to my knowledge, nothing has been released to that effect. Could the Secretary of State provide an update on when we can expect the plan and what will be in it? Secondly, in a follow-up to written parliamentary questions from the hon. Members for West Dunbartonshire (Douglas McAllister) and for Newport West and Islwyn (Ruth Jones), the Government said that they have “no plans” to meet representatives of the WASPI campaign. Indeed, the last time a Minister did meet them was on 5 September 2024.

    PENSIONS · 2025-11-11 · READ IN HANSARD

  43. I am not going to let them get away with saying that there is no compensation because of a fictional black hole in the public finances… Government compensation should always be based on what is fair and just.” —[ Official Report , 17 December 2024; Vol. 759, c. 170.] She is absolutely right: the Government had the choice then to stand behind the women who they said have faced a great injustice, but they chose not to. Instead, the Labour party is now fighting them in a judicial review in the High Court. Whether it be the multiple U-turns on pensioners’ winter fuel payments or the imminent rumoured freezing of tax thresholds in the Budget, forcing many pensioners into paying income tax, it is clear that this Government are not on the side of our pensioners. That brings me to some questions for the Secretary of State.

    PENSIONS · 2025-11-11 · READ IN HANSARD

  44. In opposition, shadow Ministers and Labour MPs stood alongside these women, as the Secretary of State did, campaigning for “a better deal for WASPI women.” However, when the Labour party won the general election, they quickly apparently U-turned on that position, blaming the fiscal situation they were left with. Indeed, in December last year, the Government made a statement confirming their about-turn on supporting WASPI women. If I may, Mr Speaker, I would like to quote the shadow Secretary of State for Work and Pensions, my hon. Friend the Member for Faversham and Mid Kent (Helen Whately), who said in response to that statement: “But let us be clear: the decision to provide no compensation is the Government’s decision, and they need to own it.

    PENSIONS · 2025-11-11 · READ IN HANSARD

  45. I thank the Secretary of State for advance sight of his statement. As he rightly says, this is an important, albeit technical, statement, and we in the Opposition certainly accept the contents and the spirit in which it is given. It is about a legal process, and we respect that. This relates to a matter of keen interest to many of our constituents: those women who have been affected by the changes in retirement age. Known as WASPI, the Women Against State Pension Inequality Campaign have probably met with all of us here in one way or another, and they will be looking at the point made by the Secretary of State late in his statement: “retaking this decision should not be taken as an indication that Government will necessarily decide that they should award financial redress.” The WASPI women are rightly angry with this Government.

    PENSIONS · 2025-11-11 · READ IN HANSARD

  46. The petitioners therefore request that the House of Commons urge the Government to encourage Malvern Hills District Council to prioritise the protection of agricultural land in its Local Plan, to reject multi-dwelling planning applications within one mile of Areley Kings, Stourport-on-Severn, and to secure a full highway impact assessment for the historic Stourport Bridge crossing for any future developments. And the petitioners remain, etc. ] [P003122]

    PLANNING APPLICATIONS IN STOURPORT-ON-SEVERN · 2025-11-11 · READ IN HANSARD

  47. The petitioners “request that the House of Commons urge the Government to encourage Malvern Hills District Council to prioritise the protection of agricultural land in its Local Plan, to reject multi-dwelling planning applications within one mile of Areley Kings…and to secure a full highway impact assessment for the historic Stourport Bridge crossing for any future developments.” Following is the full text of the petition: [ The petition of residents of Stourport-on-Severn, Declares that the community of Stourport-on-Severn has been severely impacted by excessive building applications on agricultural land; and further declares that the first site which crossed district boundaries was refused by both Wyre Forest and Malvern Hills District Councils but was overturned by the Planning Inspectorate, resulting in speculative building applications causing stress to our community and placing severe pressures on our medical, educational and highway resources.

    PLANNING APPLICATIONS IN STOURPORT-ON-SEVERN · 2025-11-11 · READ IN HANSARD

  48. I rise to present a petition on behalf of over 600 of my constituents in Stourport-on-Severn in Wyre Forest whose lives and services are being adversely affected by unwelcome development in the neighbouring Malvern Hills district council. Because Malvern Hills district council has no local plan, the Planning Inspectorate is allowing otherwise refused planning applications to go ahead within the wider reach of Stourport.

    PLANNING APPLICATIONS IN STOURPORT-ON-SEVERN · 2025-11-11 · READ IN HANSARD

  49. In this month of blaming everyone else for every woe that befalls the Government and using it as an excuse to bust manifesto pledges left, right and centre, it seems that the Government are claiming credit for more banking hubs, but we all know that the rolling out of banking hubs is a purely commercial decision by the banks. It is the banks that are choosing to do this, to serve their customers. Is it now the Government’s policy to blame everyone else for their own incompetences, and to claim credit for everyone else’s good ideas?

    BANKING SERVICES: RURAL AREAS · 2025-11-04 · READ IN HANSARD

  50. I thank the Minister for her excellent speech and her kind words about the work of the previous Government—I think she forgot to add “Strong and stable for 14 years”, but still. Question put and agreed to.

    DRAFT FINANCIAL SERVICES AND MARKETS ACT 2023 (MUTUAL RECOGNITION AGREEMENT) (SWITZERLAND) REGULATIONS 2025 · 2025-10-27 · READ IN HANSARD