← LEADERSHIP TERMINAL

UK PARLIAMENT · SITTING

Ms Stella Creasy

MP for Walthamstow · Labour (Co-op) · United Kingdom

IN THEIR OWN WORDS

I thank the Foreign Secretary for his clear-sighted commitment not only to talk about a two-state solution, but to actually try to act to achieve it, as the only foundation of a safe Israel and a free Palestine.

ISRAEL AND PALESTINE · 2026-09-08 · READ IN HANSARD

Could he reassure the House that we will not acquiesce and bend to such pressure, and that the only action that could ever be acceptable to us to make us contemplate reversing this ban would be a halt on the E1 development and a permanent end to settler violence?

ISRAEL AND PALESTINE · 2026-09-08 · READ IN HANSARD

I start by paying tribute to the new Minister, my hon. Friend the Member for Vauxhall and Camberwell Green (Florence Eshalomi), for all the work she did on the Housing, Communities and Local Government Committee on these issues. I know that she will do a brilliant job in this role.

REPRESENTATION OF THE PEOPLE BILL · 2026-09-02 · READ IN HANSARD

I do not really understand the technology, but I know that he does, and I understand and share his fear accordingly. We come here today to debate this Bill because we all know that trust is a bygone issue in our politics.

REPRESENTATION OF THE PEOPLE BILL · 2026-09-02 · READ IN HANSARD

We would welcome her having that conversation, which might be more illuminating than whether she is concerned about Zach Goldmsith’s leaflets. I add my support to the amendments tabled by my hon.

REPRESENTATION OF THE PEOPLE BILL · 2026-09-02 · READ IN HANSARD

From today, if we do not take a stand with this Bill to tackle the ways that money has infiltrated our politics, the risk is that they will think we are acting in the interests of our own back pockets.

REPRESENTATION OF THE PEOPLE BILL · 2026-09-02 · READ IN HANSARD

The complete record

Every one of 4,976 lines we hold for Ms Stella Creasy, in date order, each linked to its source. Free to read, in full, without an account. Page 77 of 100.

  1. There is a £7 million gap between the £12 million that has been made available for women’s businesses and the money that has actually been drawn down. I take the Minister’s point, and I am not suggesting that that is the only funding available for women entrepreneurs, but compared with other Government-led schemes, there is a substantial disparity. Why does he think that is? Why has the Aspire fund not been able to lend at the same rate as the other available start-up funds? Will he commit the Government to monitoring across the piece the gender of those to whom they are lending through start-up schemes? The Government have not always monitored that, but they must do so to truly understand what we might have to change about finance for women to ensure that they all get the support that they need.

    WOMEN ENTREPRENEURS · 2015-03-18 · READ IN HANSARD

  2. Does the Minister share the view of his colleague, the Minister for Business and Enterprise, that it is unacceptable that boards are only appointing women to non-executive positions and that what we need therefore is a target not only for women on boards, but for women in decision-making positions? Also, will the Minister answer the questions about the Women’s Business Council and about the supply chain? It would be incredibly helpful to hear his response on those issues as well.

    WOMEN ENTREPRENEURS · 2015-03-18 · READ IN HANSARD

  3. Before the Minister closes, I wanted his response to two specific questions about the future of the Women’s Business Council and the supply chain. His own Government adviser on women-led businesses has suggested that the Government should monitor women in the procurement supply chain. Will he commit the Government to that, yes or no?

    WOMEN ENTREPRENEURS · 2015-03-18 · READ IN HANSARD

  4. Our allies are warning of a dangerous gap between us and America on this, so will the Prime Minister tell us what will be more important to him in the next Parliament: protecting our armed forces or introducing tax cuts?

    ENGAGEMENTS · 2015-03-11 · READ IN HANSARD

  5. They serve a community that has a very high incidence of what we might call lifestyle diseases—diabetes, heart disease, cancer—and GP access is absolutely critical to the outcomes achieved for patients.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  6. As an MP, I see it as my job first and foremost to help the patients of Walthamstow—my neighbours, as well as my family and friends in the area—who can see how our services are falling apart. As their MP, my very real worry is that, as much as I have tried to raise such concerns, all I hear is that those problems are for someone else or for some other organisation to resolve. I want to put on the record some of the issues, and to explain the situation in our local community and how it is having an impact on doctors. By doing so, I hope to convince the Minister to pay special attention to Waltham Forest. There are 45 GP member practices in Waltham Forest CCG. We have one of the fastest growing populations in the country, but many of the practices are in poorly maintained buildings and are single-handed.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  7. I congratulate my hon. Friend the Member for Halton (Derek Twigg) on securing what, for me, is an incredibly important debate. I am pleased to follow the hon. Member for Henley (John Howell), because he and I have probably been doing the same thing in going to talk to people in our local community about local health care. I must say that my experience is of a very different health care system—one that is under real pressure and, frankly, very much in danger in my local community. I wanted to speak in this debate to put my concerns on the record and to ask the Minister and officials at the Department of Health to look at my area, because I am so worried about these issues.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  8. But they said they don’t have any nurses on a Friday and I would have to make an appointment to see a nurse—two weeks as usual, no doubt—so I just left it, as I do with most pains, coughs or small lumps, and hoped it would sort itself out. My hand is healing now and seems to be glass-free. I hope so anyway.” That is not unusual in my area. At least that elderly lady could have seen a nurse, but many constituents tell me that they do not bother to see a doctor because of how long that takes, and they take the risk of waiting.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  9. Let me give another example of a complaint I received just the other day: “I have had constant problems trying to get a GP appointment for my 13-month-old daughter since she was born. A couple of times, even only last week, I was asked by reception staff at the doctors why I hadn’t gone to A and E.” That is the constant question for residents in my local community when they cannot get through to the surgery—should they wait or should they go to A and E? I agree with the hon. Gentleman that not everybody needs to see a doctor, but another resident told me: “I fell and cut my hand deeply on glass. I went to the doctors to ask if a nurse could check that there was no glass left in. They told me to go to hospital. The cut was really not that bad.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  10. Just the other day, a resident rang me and said: “Look, the receptionists were perfectly polite. They said call at 9 o’clock or queue up before the surgery opens to get an appointment, but the line was constantly engaged from 9 o’clock. My phone shows I called 28 times between 9 am and 9.30 am, and I could not get through. When I did get through, it was only to be told that there were no more appointments left.” That is not unusual in my community. Little wonder that residents in Walthamstow routinely report that it takes two weeks to get an appointment with a doctor. Nationally, we know that one in four people wait a week or more. The problem—this is why I disagree with the hon. Gentleman—is that it is very hard for people to know whether or not they need to see a doctor, especially if they are worried about a child.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  11. I apologise for using shorthand. My right hon. Friend is completely right. I am talking about type 2 diabetes. For example, many people from the south Asian community in my constituency have type 2 diabetes. We are told that our local GP work force needs to grow by 40% by the end of the next Parliament if it is to serve the community I represent. However, I can already see very real problems with our local community service, and that is bad for the patients and for the rest of the NHS. We know how difficult it is to recruit and retain doctors, but in my part of town, with the high cost of living in London, it will get even harder. Since 2011, complaints about GP access have rolled into my constituency office. Let me give the Minister some examples.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  12. We must look at the terms of the job, but also at where the resources are not going. I have been raising those questions with local health care providers.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  13. It is unusual for me to agree with the hon. Gentleman, but I agree that we need to look at how we can attract and retain doctors. We also need to look at what these problems do to the rest of the NHS. Let me tell the hon. Gentleman about a constituent of mine who had a problem with his eyesight that was caused by high blood pressure. Because he could not get a doctor’s appointment, he left the condition alone. He has now gone blind in one eye and his other eye is at risk. His elderly wife came to me because she did not want to bother the doctor. We have to change that culture and to consider the consequences of not using our resources to deal with those early problems. When we leave somebody like that and they end up going blind, the cost to all of us to help them is much greater than if they had been able to access a GP.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  14. The problem continued and, eventually, NHS England came back to me and said, “It’s all right. We’ve spoken to the practices and they have said that if people want an appointment, they can ring up and get one.” It was a circular and deeply frustrating experience.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  15. The PCT said, “Wait until the CCG is organised.” I tried the new CCG, but six months after saying that it would look into the repeated complaints that I had raised, it said that this was not its issue and told me to go to NHS England. Initially, NHS England told me that I could not raise the issues on behalf of patients because of patient confidentiality. It could not respond to any of the concerns that I was raising because they related to patient records. It then tried to say that unless the residents had complained to the GPs about GP access, it would not look into the issue, even though I had a binder full of complaints, which showed that it was a problem not just with an individual practice, but with many local practices in my local community. There was widespread concern.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  16. Although I am a doctor, I am not a medical doctor, so I warn the hon. Gentleman that if he needs treatment, he should not come and see me. However, I could tell him why he has no friends—that is the sort of doctorate I have. There are many issues and the number of single practices might be one of them. My point is that nobody has got a grip of this issue over the past couple of years, despite the fact that I, as the Member of Parliament, have raised concerns. In 2011, the complaints about access to GPs started coming in. I went to the primary care trust, but because of the reorganisation of the NHS, nobody was interested in the case that we were trying to make.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  17. Please, let us not make early diagnosis a provision only for the rich in this country.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  18. That is a problem. In 1958, Nye Bevan spoke in this place about the point of the NHS: “Many people have died and many have suffered not because the knowledge was not there, but because they did not have access to it. To all the suffering which attends illness, there was always added the bitterness that, if the poor could have had access to the knowledge available, they might have been saved or, at least, might have been helped. It was this situation that the National Health Service was intended to put right.” —[ Official Report , 30 July 1958; Vol. 592, c. 1383.] Sixty-seven years later, the same concerns remain for a new generation of patients facing lifestyle diseases. I am making an open plea to Ministers at the Department of Health urgently to review the provision of health care in Waltham Forest.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  19. However, I have just been told out of the blue that the commissioning process for more urgent care centres has been paused because of a lack of remaining bidders. Again, that is a separate part of the NHS from the GP surgeries and the hospitals that is also trying to deal with patients. The system is fragmented and piecemeal, and that is causing problems in a community that needs health care. Without the urgent care centres, there is a risk that many of the health care services in Walthamstow will simply collapse. I have written to the Secretary of State about GP access. I have raised it with the CCG and NHS England. We have even organised local patients to act as mystery shoppers and go to doctors’ surgeries to ask to join their patient involvement groups. Not one of those people has been able to join a patient involvement group.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  20. There are concerns about Whipps Cross itself. One resident wrote to me to say, “All I want is to be able to get an appointment for my child and not have to worry that if she or another member of my family ended up at Whipps I would have to fear for our lives, and that is not an exaggeration.” Barts Health, which runs my local hospital, is a large provider of acute services. It serves a population of 2.5 million in north-east London. The Care Quality Commission has taken enforcement action against it in the past couple of years because of the quality of care. The CQC pointed out that if patients in my local community had access to an urgent care centre, they would be able to see somebody and it would improve the quality of care.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  21. We have doctors who refuse to prescribe such things, and then people wonder why my local area has a level of sexually transmitted diseases that is significantly worse than the national average. There have been widespread complaints about other doctors, to the extent that the General Medical Council is involved. As far as I can see, there is little concern about how we deal with patients who are asked to go to doctors in respect of whom there are known to be concerns about the quality of care that they provide. Nobody is picking up the pieces. Nobody is gripping the issue to ensure that we do not see health care problems in my local community, which very much needs to be able to access GPs. As my hon. Friend the Member for Halton has set out, all of this means that there are pressures on my local hospital, Whipps Cross university hospital.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  22. Because of the poor quality of the facilities, it cannot offer some basic services such as blood tests. It has not had central heating since January 2014. That is not an acceptable environment in which to provide a health care service. The problems with GPs in Walthamstow are not just about the facilities. Since becoming an MP, I have worked with a group called WoWstow, which is a group of women who are fighting to get basic sexual health care services in Walthamstow, because we do not have them. When I talk about basic sexual health care services, I am talking about the provision of contraception, the provision of the coil and the provision of basic facilities to help women maintain their public health.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  23. Irrespective of whether that is just because patients are missing appointments or because appointments are not at the right time, it is a waste of resources. Surely there is a public interest in having a central co-ordinating body that looks at these issues and at where there are problems in the NHS. It is a waste of money for everyone concerned. Crucially for my constituents, it means that they are not getting access to doctors, even though there may well be the facilities to see them. Even if people can get access to a doctor, the quality of the practices in my local community is very poor. I know that other Member have raised similar concerns. That might be one reason why it is difficult to retain doctors. I have one practice that has been waiting 25 years to be rebuilt. It serves 12,000 patients.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  24. I appreciate that that is the hon. Gentleman’s experience. This is precisely my point: why is nobody taking a strategic view of these issues? I will give the hon. Gentleman an example and it goes to the heart of what the hon. Member for Henley was saying. One concern that people have raised is about missed appointments. The appointments that doctors give people do not always match the times when people need to see them. There is no recording of missed appointments because of the fragmentation of the NHS. Who should take responsibility for that? A snapshot survey that my CCG did, possibly because of nagging from me, showed that on average 10% of appointments are missed in my local community. However, that is an average. In one surgery, 40% of appointments are missed and in another only 12% of pre-booked appointments are used.

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  25. In my contribution I specifically asked the Minister whether he would commit to a review of GP access in Walthamstow because of the combination of problems—the two-week wait for appointments, the poor quality of surgeries and the single-practice GPs. Will he make that commitment today to the people of Walthamstow?

    GP SERVICES · 2015-02-05 · READ IN HANSARD

  26. In November, the Minister wrote to me to say that this Government had decided to be “silent” on the rights of murder victims abroad, so that they did not have to do anything to help the families secure justice. The Minister will try to talk about the new directives for victims, but why have the Government been silent about the rights of the British taxpayer Tyrell Matthews-Burton, and yet have spoken up for others?

    VICTIMS OF CRIME · 2015-02-03 · READ IN HANSARD

  27. Let us take this debate back to the people we care about most—the patients, such as the mum who got in touch with me today who had rung her local GP 28 times to try to get through to get an appointment for her daughter, and whose friend had been told, “Don’t risk it—go to A and E because we simply cannot see our doctors.” Does my hon. Friend agree that the fragmentation of the NHS has made it much harder to hold to account our local health care services such as the Royal Free trust?

    NHS (GOVERNMENT SPENDING) · 2015-01-28 · READ IN HANSARD

  28. 1187.] This is no Flash Harry and this is no decent living.

    CONSUMER RIGHTS BILL · 2015-01-12 · READ IN HANSARD

  29. Some estimates put the figure at 60% of tickets being taken up in this way. One expert looking at the sporting industry in the past year has identified around 30% of tickets being bought up in this way, so fans cannot click fast enough to beat the botnets. The Secretary of State challenged my hon. Friend the Member for Washington and Sunderland West and said: “The interests that the hon. Lady is representing are probably those of the chattering middle classes and champagne socialists”— I noted that the hon. Member for Shipley called me a socialist earlier; I have amended my Twitter biography accordingly, with his praise— “who have no interest in helping the common working man earn a decent living by acting as a middleman in the sale of a proper service.” —[ Official Report , 21 January 2011; Vol. 521, c.

    CONSUMER RIGHTS BILL · 2015-01-12 · READ IN HANSARD

  30. Gentlemen outed themselves as fans of St Trinian’s, because that can be the only explanation of why they believe that this is about spivs in pork-pie hats looking at the types of shoes people are wearing rather than a billion-pound ticket-touting industry that is damaging the pockets of fans of sport and music. One reason we support the amendment tabled by the all-party group on ticket abuse and reject the Government’s call to reject the cross-party call from the Lords to address this issue is that we do not agree with the Secretary of State for Culture, Media and Sport that this is classic entrepreneurship, precisely because we know that it is not an open market. We know that botnets are hoovering up tickets the second they go on sale. Fans simply do not stand a chance.

    CONSUMER RIGHTS BILL · 2015-01-12 · READ IN HANSARD

  31. Members for Bury North and for Shipley for their persistence in making their arguments and possibly making Friedrich Hayek spin in his grave through their interpretation of a free market. Let me deal with their arguments, because I think we will have to come back to them otherwise. Few other markets would be characterised as free in which a limited number of sellers hoard a product, buying it up in bulk using underhand methods and then colluding to sell at hyped prices. Just because this is happening on the internet does not make it any different. One of the golden rules of the free market is that people should deal with each other honestly and require honesty in return, and that is clearly not what is happening in this industry. It is clearly not a free market. I am also delighted that both hon.

    CONSUMER RIGHTS BILL · 2015-01-12 · READ IN HANSARD

  32. Labour certainly recognises that helping people to make the most of their money is vital in a country that is drowning in personal debt—£1.43 trillion of it. Little wonder that StepChange Debt Charity says that six out of 10 people in this country believe that politicians must do more in the next five years to help them stay out of financial difficulty. Making sure that they do not get ripped off should therefore be absolutely paramount in the work we do and in this Bill. I pay tribute to the hon. Member for Hove (Mike Weatherley) and my hon. Friend the Member for Washington and Sunderland West (Mrs Hodgson) for tabling the amendment and for their perseverance on ticket touting, which is a clear example of people being ripped off. I also want to pay tribute to the hon.

    CONSUMER RIGHTS BILL · 2015-01-12 · READ IN HANSARD

  33. It has been a year since we started to scrutinise the Bill, time during which much has changed, not least the Minister leading on it. As she can tell from today’s debate, she missed many treats during our debates, although I am not sure whether a repeat performance of the arguments made by the hon. Members for Bury North (Mr Nuttall) and for Shipley (Philip Davies) was what she intended to generate. It has been a long journey and I pay tribute to all those Members who have sought to scrutinise and improve the legislation. Many debates have taken place to meet the test we set, as this is a once-in-a-lifetime opportunity to create a nation that is on top of its rights and can play a full and active part in the market in both the public and private sectors.

    CONSUMER RIGHTS BILL · 2015-01-12 · READ IN HANSARD

  34. Will the Minister clarify two things? First, does she think that the amendment applies to individual-to-individual sales? It is actually aimed at the marketplace that secondary ticket sites create. Secondly, if she is worried about resales and tickets being cancelled, will she accept the amendment proposed by the all-party group, which would specifically deal with that to ensure that it does not happen?

    CONSUMER RIGHTS BILL · 2015-01-12 · READ IN HANSARD

  35. It is interesting that the Minister raises the EU directive, which talks about the importance of providing the characteristics of an item that is being sold. If the characteristics of a ticket are not to say where the event is, what time it is, and which seat it is, what does she think would be included under the directive?

    CONSUMER RIGHTS BILL · 2015-01-12 · READ IN HANSARD

  36. In the short time available let me say that I think we are looking at a form of alternative dispute resolution this evening, so let me first flag up the positive in terms of the customer service feedback we would like to give to the Government on these Lords amendments: we will be supporting all the Lords amendments. In particular, there are three that are worthy of consideration, following the rule about the six in 10 Britons who believe that politicians should do more in the coming years to help them stay out of financial difficulty.

    CONSUMER RIGHTS BILL · 2015-01-12 · READ IN HANSARD

  37. I simply rise to agree that this is an important Bill, and we are looking forward to progress being made and the Government finally agreeing with us in the Lords on ticket touting. We look forward to its return to this House for us to approve it.

    CONSUMER RIGHTS BILL (CARRY-OVER EXTENSION) · 2015-01-12 · READ IN HANSARD

  38. May I associate the members of the Opposition Business, Innovation and Skills Front-Bench team with the Secretary of State’s remarks? We wish you a happy new year, Mr Speaker, and express our sympathies to the families of those killed in Paris. The Minister seems not to get the point. Many of those services are meant to be free, but the sites imply that people have to pay for them. The Mayor of London obviously does not believe that the Government’s action on copycat websites is good enough because he has introduced legislation to tackle rip-off congestion charge sites. Does the Minister believe the Mayor was right to do that? If so, why is what is good enough for London not good enough for the rest of the UK?

    COPYCAT WEBSITES · 2015-01-08 · READ IN HANSARD

  39. The Government’s system is predicated on the idea that, on the whole, parents can negotiate, but we know that that is simply not possible for some families. What is the Department doing to ensure that women who have experienced domestic violence are aware of the application fee exemption, and what evidence has he that women who are unaware of it are not being deterred from applying for child maintenance?

    CHILD MAINTENANCE · 2014-12-08 · READ IN HANSARD

  40. So there might be a case that terrorism is something that people have to consider in a residential area. However, even if one accepts that it is fair to ask people to pay for such damage, the concern for my residents is that they are simply not able to scrutinise the policy. Freehold Managers has steadfastly refused to reveal the details. When one looks at the IRA bombing or the Litvinenko attack, one must take into account the location. Location matters in insurance, so we want to know whether Walthamstow has been assessed as a high or a low-risk residential area for terrorism and what that means for the charge. In essence, why is there a 40% increase?

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  41. I am acutely conscious that the judgment held that although it was not explicit, it was good practice to insure against any sort of damage or destruction, which could arguably include terrorism. Having researched terrorist examples in residential areas —the 4,500 flats are in residential areas in Walthamstow—I am surprised that there is a determination that terrorism is such a threat in Walthamstow that insurance should be increased by 40%. Let us consider some attacks: the sarin gas attack in Matsumoto in Japan, the Rajneeshee bioterror attacks on salad bars in the United States and the tragic murder of Lee Rigby. We have had IRA bombings in London, and the Litvinenko incident caused several million pounds worth of damage to properties because of contamination.

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  42. That is a 40% increase on the cost of an insurance that is already not competitive, and the leaseholders who have managed to buy their freehold tell me that their premiums are on average £120 lower. I am sure the Minister will say it is for the leasehold valuation tribunal to resolve issues about whether charges are fair. Indeed, I am extremely conscious that the leasehold valuation tribunal has recently issued a ruling that it is right for Freehold Managers to apply terrorism charges. After all, this is not part of the original lease. There has been confusion and discussion about whether it could be argued that insuring properties against explosions included terrorism. There has been concern that what was originally intended to apply to commercial property has been applied by Freehold Managers to residential properties.

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  43. I was mortified by the suggestion that that therefore required people in Walthamstow to be insured against terrorism ad infinitum, so we started to look into the situation. I will set out the concerns. Residents are paying on average £204 for their buildings insurance. On any reputable price comparison site for Walthamstow, we could find considerably lower premiums. On top of that, we are adding in another £70 for people who live in the E17 postcode in my part of town. I also have the E10 postcode, where there are flats whose residents are being charged a mere £37. Perhaps the company feels that terrorists will be more likely to want to live and bring about destruction near Walthamstow Central station rather than in Walthamstow as a whole, but I digress.

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  44. I hope we can make progress on the issue, because it has been a long-running vexatious issue for nearly 4,500 of my constituents in Walthamstow, some of whom are here today because they are so frustrated by it. I should declare that I am a previous leaseholder of the Freehold Managers company in question, so I have known for a long time about the nature of the leases and the exorbitant insurance that the company required of those of us who had flats with it. The application of a terrorism insurance surcharge is a relatively new experience for people in Walthamstow. As a diligent MP, I queried it with the company. Why did it feel the need to add such a surcharge to already expensive insurance? In response, it sent me a copy of a press cutting about how one of those involved in the plane bombing threat had lived in Walthamstow at one time.

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  45. I want to start by thanking the Minister for coming here at short notice. This issue might seem like a curate’s egg. I do not know whether he saw the article I wrote outlining the issues in PoliticsHome . We might think that the right of a person to know what they are paying for is a consumer issue, or it might seem like an insurance concern about whether it is fair to make residents pay for terrorism insurance if they live in my part of town. Indeed, the matter could be seen as a constituency concern—the besmirching of Walthamstow as a site of potential terrorism—or it could be seen as a leasehold issue about how leaseholders and freeholders can resolve disputes. I know that other Members here have an interest in that issue. I shall outline the concern and then ask the Minister questions.

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  46. I agree with my hon. Friend, whose constituency is to the south-east of mine. I am sure he knows Walthamstow and will be concerned that it is considered such a risk by Freehold Managers. We simply do not know how the company reached this figure of a 40% increase in insurance because Walthamstow might be a place of terrorism. We do not know, for example, whether a gas attack in which people needed to be decontaminated, as opposed to an explosion, would be covered by the policy. We simply have no details.

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  47. Finally, can the Minister tell us what action the Government will take to reform leasehold law? I ask that because this issue is clearly not only about insurance charges but about these other charges, and about companies such as Freehold Managers, which see residents such as my constituents in Walthamstow as a cash point. It tries to squeeze them consistently, even threatening them with legal action when they so much as query these charges, challenging them about their right to buy the freehold and imposing excessive charges for simple things such as queries about loft conversions or indeed leasehold extensions. Surely it is time to stop the misery of what is mystery buying, as opposed to mystery selling.

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  48. Secondly, does the Minister think that my constituents have a right to exercise their consumer rights in this instance and know the details of the policy that they are being asked to pay for? If so, where would he see them being able to exercise those rights? Thirdly, will the Minister raise this issue with a leasehold valuation tribunal? Given the persistent failure of the freeholder I have mentioned to provide this information, which would enable my constituents to have their day at the tribunal to see whether the charge being imposed on them is fair and competitive, what action can he take to assist my constituents—and, I suspect, the thousands of other people across the country who are also dealing with recalcitrant freehold management companies?

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  49. The fact that there are colleagues from other parts of the country—indeed, from other parties—who are saying, “No, we’re seeing the same sorts of problems”, shows that that is simply not the case. I have a number of questions for the Minister and I want to give him time to answer them, and to answer any questions he may have, because it must seem such a surreal situation to be faced with. First and foremost, does he think it fair that residential properties are being charged a terrorism surcharge on their insurance? If so, what assessment has he made of the likelihood of terrorist incidents across residential areas in this country? My local police or other emergency services are certainly not aware of the likelihood of such an incident.

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD

  50. Given the fees involved in going to a leasehold valuation tribunal, it is not fair to expect people to seek such redress without the information to make their case. I have come here today as a constituency MP but with my other hat on, as a shadow Minister, I have tried to make progress on this matter in the Consumer Rights Bill, to make it clear that a consumer has the right to the details of a policy, product or service that they have directly paid for. Let me stress again: residents are getting direct bills from the insurance company on behalf of a freehold management company. Sadly, the Minister’s colleagues in the Commons rejected the proposals, arguing that it was already explicit that people should be able to access such information.

    LEASEHOLDERS’ RIGHTS (INSURANCE) · 2014-10-22 · READ IN HANSARD