Mr Gagan Mohindra
MP for South West Hertfordshire · Conservative · United Kingdom
“I also spoke to the manager at Waitrose in Rickmansworth. Weekend shifts there have traditionally been filled by students, giving hundreds of young people meaningful employment and helping them to build confidence, responsibility and valuable workplace skills.”
“We would abolish business rates for thousands of retail, hospitality and leisure businesses, cut the red tape that stops employers recruiting young people, and introduce our cheap power plan, which would cut electricity bills by 20% for businesses. I will go back to what I said at the start: this debate is ultimately about opportunity.”
“Businesses still want to employ young people—they recognise the value that young people bring, and the value that the businesses offer them—yet increasing costs are making those opportunities more difficult to provide. The consequences stretch far beyond individual businesses.”
“In Sarratt, I visited Micklefield Hall, a wonderful local events venue. It explained that the biggest barrier to employing young people today is cost. It used to happily recruit students straight from local schools, investing time in training those people with little or no experience. It even offered apprenticeships.”
“I refer the House to my declaration in the Register of Members’ Financial Interests. Every summer, thousands of students, school leavers and young people across our country begin searching for seasonal work.”
“As a result, such opportunities are becoming harder and harder to find and youth unemployment is rising. Businesses across the country are facing rising costs from every direction.”
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Every one of 600 lines we hold for Mr Gagan Mohindra, in date order, each linked to its source. Free to read, in full, without an account. Page 3 of 12.
“While the whole House welcomes the withdrawal of Lord Mandelson as head of mission, can the Minister confirm whether he is still being paid as a civil servant?”
“I congratulate my hon. Friend on securing this Adjournment debate. He has highlighted the issues in his constituency, and he is lucky enough that Hillingdon hospital is going to be refurbished. Given the delays to the Watford General refurbishment, where spades will not be in the ground until 2032 at the earliest, does he agree that Mount Vernon is even more critical for the surrounding areas with the capacity that it provides?”
“Tomorrow we will vote on a Bill that shamefully gives up the sovereignty of our military base in Diego Garcia. Given the commitment to spend more on defence, will the Secretary of State confirm if the money spent on Chagos will be included in our declared NATO spend?”
“In my constituency alone, the hospitality sector added more than £76.6 million to our economy, and the hospitality sector in general is growing at almost double the rate of the UK economy. The hospitality industry is one of the highest-taxed sectors in the UK economy, and I am very disappointed that the Government have continued to hammer our service industries with NIC increases and minimum wage increases, all while boosting the salaries of people like train drivers, who are already on £65,000.”
“May I first thank Alex Leitch from my office for helping me to research what was going to be a long speech? I will use just little bit of it, given the limited time that I have in which to speak. I spent weeks in my constituency over the summer recess, as other colleagues did in theirs. I spent one week volunteering with small businesses and another visiting pubs in my constituency. I heard at first hand from many owners and employees about the dire situation they face, not just because of Labour’s increase in national insurance contributions, but because of its crippling Employment Rights Bill. As someone with a small business background, I am appalled that these policies have been cloaked as favourable to the working person. I have always been in favour of supporting hospitality, which is the cornerstone of our communities.”
“There is a long list of things they could be doing better, and I hope that when the Minister responds, he will give at least a glimmer of hope to the small businesses that are struggling.”
“I have no doubt that, despite putting an enormous additional £40 billion burden on British taxpayers—taking the tax burden to its highest ever level—the apparent lack of foresight will only lead to more dismay in the future. Other Members have spoken about the number of pubs that have closed, as well as the job losses in the hospitality sector. However, one point I have previously mentioned and I think is relevant to this debate is the lack of business experience among the Cabinet. Having run a small business and understanding the challenges associated with that would, I hope, lead to a better policy position than we are currently seeing. I look forward to further U-turns from this Government, because where they are doing the right thing, Conservative Members will support them.”
“There is not enough time. Others have already spoken about the retail, hospitality and leisure relief scheme in 2023, so I will not dwell on that. Let me just say that the hospitality businesses I speak to remain disappointed that the 75% discount applied previously has not been adhered to. Small independent businesses like the Kitchen Croxley in my constituency have warned me of the job losses that will become inevitable just to keep their doors open on account of Labour’s policy changes. If we continue down this path, we will only see higher levels of inflation and unemployment and increasing reliance on our universal credit programmes.”
“The House has already heard the recent announcement about the closure of the urgent care centre at Mount Vernon hospital. My hon. Friends the Members for Ruislip, Northwood and Pinner (David Simmonds) and for Beaconsfield (Joy Morrissey) and I are all concerned about the quality of healthcare for our constituents, especially as the Labour Government have delayed the new Watford general hospital until at least 2032. What steps is the Minister taking to improve the quality of healthcare in our areas, instead of just making it worse?”
“Small independent businesses like Kitchen Croxley in my constituency have suggested that, to counter this Government’s national insurance contribution increases, they will need to serve cold coffee and replace staff with touchscreens just to afford to stay open. What will the Minister do to ensure that small businesses are encouraged to grow, rather than being punished for being entrepreneurial, so that local bakeries like Kitchen Croxley can keep serving us cake and coffee?”
“My constituent Ryan from Carpenders Park wrote me with concerns about the lack of community spaces, especially alongside the Government’s housing targets. Will the Minister reassure the House that the Government will ensure there are community spaces to support any new housing developments?”
“Will the Chancellor of the Duchy of Lancaster reassure the House that once he has actually started publishing the tracking dashboard for the plan for change, the six milestones will not go the same way as the three foundations, the six first steps for change, the five missions and the seven pillars of growth, and that it will not be abandoned and replaced when the Government realise they are missing their targets?”
“T7. My thoughts are with the family of Jayesh Pitrola. Hertfordshire’s policing budget already faces a £7 million shortfall, and the recent spending review contained no direct funding from the Home Office to address that. Will the Home Secretary reassure my constituents, as well as our police and crime commissioner Jonathan Ash-Edwards, that Hertfordshire will benefit from more police officers without further local tax rises being required?”
“Given the recent trio of U-turns, this Government have demonstrated that they are keen to change their minds as well as to create new multibillion-pound black holes. Will the Chancellor do the right thing and U-turn on the increase in national insurance contributions, to provide businesses with a much-needed boost in the sluggish economy that she has created?”
“Several of my constituents have written to me, concerned that Arriva, which provides local bus services, has cancelled or reduced some of their local routes, such as the 322 in Maple Cross and the 328 in South Oxhey, leaving them with no other transport options aside from costly taxis. What will the Minister do to ensure that everyone has access to public transport, such as those vital bus services?”
“With many people unable to use technology, or simply more comfortable with face-to-face provision, the provision of banking hubs is just one of those essential services. In the UK as a whole, 99% of the population live within three miles of a post office branch, as do 97.9% of the UK’s rural population. Post offices also make up more than 66% of all branch-based cash access points in the UK. That is particularly relevant because of the decline in the number of bank branches. This is not just an issue in Hertfordshire or my constituency; across the UK, we have seen 6,200 bank or building society branch closures since 2015. In my constituency of South West Hertfordshire, 89% of banks have closed since 2015, leaving us with only a Nationwide in Rickmansworth.”
“Hertfordshire in particular has felt the impact of the withdrawal of banking services, as, despite there being over 160 banking hubs now opened, just four are in Hertfordshire, with none in my constituency. Rural areas are twice as likely to depend on their local post office for cash and banking services, and it is essential that people in those areas are not left behind. Post offices have always been, and remain, critical assets to our communities, providing essential services. I have had the pleasure of meeting local postmasters in Abbots Langley and Rickmansworth, as well as visiting a Royal Mail distribution centre, to learn more about the sheer volume of service provided by their hard workers. From speaking to those postmasters, the essential role that they play in supporting our communities in all ways is clear.”
“That is a particular issue for those who are unable to use technology to access online banking, and I know that many who are able to use online banking still feel more reassured if they are able to carry out banking activities face-to-face. Having seen the immensely positive impact that increased access to banking services through the post office has had in Rickmansworth in my constituency of South West Hertfordshire, I am campaigning for the establishment of a banking hub in Abbots Langley, another area in my constituency, to ensure that as many of my constituents as possible are able to access these essential services. I appreciate that everyone else here wants the same.”
“I beg to move, That this House has considered access to banking hubs in Hertfordshire. It is a pleasure to serve under your chairship, Sir Desmond. I thank Clementine Manning from my office for the extensive work she has put into researching for this speech and many of my other contributions to the House. I urge colleagues to be gentle with me; this is my first Westminster Hall debate, and I have yet to learn how to do these things properly. I am grateful that the hon. Member for Strangford (Jim Shannon) is here to show me the way, with hopefully an intervention in due course. Access to banking services is essential for everyone across the country, and more and more our rural and semi-rural areas are seeing their access to banking services reduced.”
“Although Rickmansworth is fortunate to have some banking services available via the post office, as well as in the Nationwide branch, since I was elected in 2019 South West Hertfordshire has lost NatWest, Barclays and Santander in Rickmansworth.”
“On average, £1.6 million is withdrawn from post offices in my constituency every month, while £3.5 million is deposited. Although the post office provides an amazing service, a banking hub in a post office gives people proper support. We must prevent the closure of post offices, many of which are now run by a single person and are not necessarily profitable. It would be a great damage to all our areas if post offices were to close too. Although post offices such as the one in Rickmansworth have stepped up to provide greater banking services than those normally available, we cannot expect our constituents to rely on post offices to replace the banks if there is no banking hub in place, as they do not provide the same level of service.”
“My right hon. Friend has obviously had early sight of my speech, because I was going to get on to exactly that about human interaction, but I will let colleagues hold off for a few minutes while I carry on the main body of my speech. As my right hon. Friend said, the situation is deeply desperate, but sadly, not unique to South West Herts. I know other Members in this House will be feeling similar circumstances, as one in seven constituencies across the UK have only one bank or no bank at all. Access to cash is essential, and it is important that we retain the ability to withdraw and deposit cash to support that, particularly as that allows those who do not use online banking to keep an eye on their personal finances. The post office supports this vital service and is essential for people in my area.”
“Once again, an hon. Member has pre-empted part of my speech. As the hon. Gentleman alludes to, the issue is not specific to the south-east, but occurs across the country. I look forward to reassurance from the Minister in her speech. The situation is worse in other parts of my constituency. Many of my residents do not have access to any banking services on their high street. That is particularly the case in Abbots Langley where, in 2021, the Barclays branch closed, leaving residents in the town and surrounding area with no access to banking services. The issue matters greatly to people in my constituency. I joined forces with our local Conservative councillors, Vicky Edwards and Ian Campbell, to support a campaign to bring a banking hub to the post office on the high street.”
“Friend the Member for Broxbourne (Lewis Cocking), who expressed concerns about the parameters that are used to determine whether an area qualifies for a banking hub.”
“For the elderly and the vulnerable, the opening of local banking hubs reduces the risk of their becoming victims of financial abuse and allows them to remain independent. As I have said, post offices and the postmasters who run them are often more than just a post service. They see their regulars frequently, and will notice if someone has not been seen or does not look well. They are not healthcare professionals, but they are another set of eyes and ears that can tell how customers are doing. The process of opening a banking hub is currently undertaken by Cash Access UK, Link and supporting banks, and I look forward to meeting with Link shortly to begin discussions about getting a banking hub in Abbots Langley. I previously discussed the process with other colleagues, including my hon.”
“I have long advocated ensuring that the infrastructure in South West Hertfordshire, including essential services such as banking, is accessible for everyone. Those with a disability or impairment are also being impacted by the move away from high street banks. In a recent survey of a group of 2,700 people who had a disability or impairment, more than half said they had been negatively impacted by bank closures. They struggle with security features, authentication checks and speaking to their bank over the phone. They are simply left with no other alternative, and should not be forced to travel to other towns, often on unreliable, infrequent public transport, simply to access their money. More than 1 million people in the UK rely wholly on cash, and 8 million adults report that they would struggle in a completely cashless society.”
“Small business owners are not the only group affected by the digital exclusion that comes with the loss of high street banks. Nearly a third of people over the age of 65 across the UK say that they feel uncomfortable using online banking, particularly for large or delicate transactions. Some 19% of people in my constituency are over 65. Having a banking hub allows the elderly and vulnerable to feel more comfortable, because they can access and deal with their finances in person. It is great that people often feel that they can trust their postmaster. Again, this may be some of the only social interaction that many people have, and it benefits their mental health and wellbeing. It is not just the elderly who are affected by the move towards a cashless society.”
“Of small businesses, 28% use cash at least weekly, and with more than 5,500 small businesses in South West Hertfordshire, banking facilities are not a service they can go without. Ahead of the debate, I thought it was important to speak to local businesses in my area. I contacted businesses across Abbots Langley, Rickmansworth and Kings Langley for their views on banking services and the role that cash plays in their everyday business. Many of the businesses I engaged with supported banking hubs, because they regularly need to deposit cash. Business owners in Abbots Langley told me that because they have no access to banking services, they often have to travel long distances to Watford to deposit large amounts of cash, which is time-consuming and potentially unsafe. That would be solved if Abbots Langley had a banking hub.”
“I appreciate that we are moving increasingly towards a cashless society. It is rare now to find a shop that does not accept card payments, or indeed accepts cash at all. The idea of carrying emergency cash may, for many of us, seem less common. As someone with a background in small business, I understand the importance of cash for small and medium-sized businesses. Although ATMs make cash available to the wider population, it is not the same as the face-to-face interaction that a banking hub provides. I am glad that the major banks have recently signed a five-year access to cash deal with the Post Office to allow free withdrawals and deposit of cash, but that is a small step compared with the need for the services that banking hubs provide.”
“My hon. Friend is a doughty champion for his constituents. Part of my remarks today, and I am sure of others’ later in the debate, concerns that exact point about increasing flexibility. We must not create criteria for banking hubs that do not necessarily solve the problem; we are trying to solve access to cash and banking services for all our constituents, irrespective of where they live. More than 1,300 residents have already signed a petition in support of our campaign in Abbots Langley for a banking hub. I continue to push hard for that to be achieved, as that area in my community would greatly benefit from a banking hub as an obvious solution to the current lack of access those residents have. Returning to the importance of access to cash, it is essential that the key service provided by banks continues to be available to people.”
“The problem with semi-rural areas such as mine—and Reading, by the sound of it—is that the criteria established by Link for determining the need to set up a new banking hub are likely to miss areas such as Abbots Langley, because they focus on when the last bank branch in a town closed. Abbots Langley is a village that has not had a bank for a very long time. I will raise this with Link in my meeting, especially because villages and smaller communities have been disproportionately affected by bank closures, losing 70% of their banking network since 2015 compared with less than 50% in urban areas.”
“The hon. Gentleman makes an excellent point, which I think will be echoed in later contributions. The criteria feel too stringent. With the Minister’s support, I hope that conversations with Link and others will mean that the criteria are a bit more flexible, so that banking hubs are accessible to all, rather than just fitting an arbitrary parameter. I have already expressed my concerns about the parameters used to determine whether an area qualifies for a banking hub, and I will emphasise in my meeting the importance of ensuring that the proximity of Abbots Langley to Watford should not prevent it from getting a banking hub, for the reasons that I have already outlined.”
“We cannot allow our high streets and residents to be without access to financial services, and I hope to see the Government do more to support this endeavour.”
“Member for Reading Central (Matt Rodda), my right hon. Friend the Member for South Holland and The Deepings (Sir John Hayes) and others will encourage it to consider the exceptional circumstances in their own areas. The alternative to the establishment of a banking hub is for Abbots Langley post office to get enhanced banking services, such as a deposit service, similar to the one that was set up in Rickmansworth following the closures there. The Government should be doing more to ensure that all UK residents have access to adequate banking facilities. I will continue to work with local post offices, banks such as NatWest and Barclays, and Link to bring more banking hubs to my constituency, and I know that others in the Chamber are doing the same.”
“My hon. Friend is a passionate advocate for his community, and his point about access to cash outside of office hours is really important. One of my community’s frustrations is that while they may have access to an ATM, the money runs out very quickly on, say, a Saturday morning, so if someone needed cash on a Sunday, they would have to travel further, because that cash machine would not be restocked until the following Monday. I agree with my hon. Friend and hope the Minister will take on board his point that it is about not just having a banking hub, but making sure that ATMs are available and stocked with cash at all times. Link has deviated from its standard framework for approving banking hubs in around 32 locations so far, and I hope that that could be the case in my area. I am sure that the hon.”
“I thank the Minister for her summing up. In terms of Abbots Langley, she is correct that the post office has not yet put in an application. It was first establishing the criteria and trying to learn lessons from others. The postmaster is now in a position to actively pursue that, and part of my local campaign is to support that. I hope the Minister will give her blessing and potentially a letter of support, if that is within reason, to ensure that Link and others think that is practical. In terms of the Rickmansworth one, she is correct. It is an enhanced banking hub rather than a full banking hub, as the debate suggests.”
“I thank the Economic Secretary to the Treasury for that response. She will have heard the sentiment around the Chamber that all of us want to see more banking hubs throughout the country. Although the target of 350 may once have been ambitious, that does not mean we should not have more, especially if we already have 230 in place. I thank hon. and right hon. Members for their contributions and for making my first Westminster Hall debate so enjoyable. Question put and agreed to. Resolved, That this House has considered access to banking hubs in Hertfordshire.”
“That is significantly less than the 2.5 million homes and 750,000 affordable homes built under the last Conservative Government.”
“That tax is hurting every business up and down this country, and it is placing unsustainable pressure on key sectors, such as the care industry and those who provide early years care. Labour continues to U-turn on its commitments and policies. The impact of its changes to personal independence payments and its cruel cuts to winter fuel payments can be seen in the £800 million increase in costs for adult social care. That is yet another example of Labour’s headline mistakes costing money. An additional £399 million has already been allocated for the affordable homes programme, and continual rises for that are unsustainable. Labour will not deliver its target of 1.5 million new homes, with Savills recently predicting that as few as 840,000 homes could be built.”
“I commend the Chair of the Select Committee, the hon. Member for Vauxhall and Camberwell Green (Florence Eshalomi) for bringing forward this estimates day debate. It is a pleasure to serve under her stewardship on that Committee. This country continues to feel the impact of Labour’s disastrous and anti-growth policies. The day-to-day spending of this Department is increasing by more than £2.4 billion—an increase of 22%—which is welcome, but it is clear that Labour’s plans to save on our planning system and the cost of local government are once again a false promise. The £2.3 billion extra being given in local government resources grants will not help our communities and local people, as £500 million of it is just to fund Labour’s detrimental increase in employer national insurance.”
“Labour says that it is cutting local government costs by creating unitary authorities, but that is just placing greater control in their hands at the expense of local democracy. This estimate shows how little control Labour has over local government spending—and I will have to finish on that point. I look forward to hearing from the Minister how he will deal with these matters.”
“The cuts of £101 million in the levelling-up fund and £183 million in the UK shared prosperity fund are disappointing, and the non-delivery of the services grant and the rural services delivery grant will place pressure on services that are already struggling in rural and semi-rural areas such as my constituency, including bus services. Instead, Labour is rewarding poor financial management by Labour-run councils and mayoralties across the UK, with £823 million being used for a recovery grant and a funding floor and the Labour-controlled Greater Manchester and West Midlands authorities receiving the first integrated settlements, which could cause an increase of over £400 million in spending.”
“However, there is no obvious reduction yet in the money given to local authorities, with the amount estimated for the day-to-day spending of local government up 22% from the main estimate last year. Although the Treasury might celebrate that as being 3% less than budgeted at the spending review, this dramatic increase, along with the increases of 30% in communities day-to-day spending and 27% to the communities capital fund, is simply unsustainable. Labour continues to show how it prioritises areas where it has support to the detriment of rural areas, such as in my constituency, and areas in need of support around the United Kingdom.”
“I agree with my hon. Friend. We are fortunate that the Minister has a background in local government, so he understands those pressures. I look forward to further clarification on grey belt and building on brownfield first, which every constituency MP wishes to see, but it is not yet transposed on to local plans and the growth ambitions of this Government. I was about to come on to green belt and the changes to the national planning policy framework. Those changes will not solve the problems that we all have identified as the bottleneck in increasing development on non-green-belt land. Labour’s policies unfortunately simply cause damage. In the spring statement, the Chancellor claimed that the planning reforms would be the main driver of the reduction in borrowing that she has promised.”
“The River Chess in Rickmansworth is one of the chalk streams that goes through my constituency. The volunteers at the Rickmansworth Waterways Trust are keeping our canal heritage alive, despite funding for the Canal & River Trust being cut. I believe the cut is short-sighted, because these waterways tackle water shortages, boost biodiversity and protect 2,500 miles of national assets for a modest cost. Will the Minister rethink the funding cuts and back the Fund Britain’s Waterways campaign, so that local champions like David Montague and his team at Batchworth lock are not left to sink or swim on their own?”
“Opticians are important medical professionals for our community. Unfortunately, when I spoke to the Hertfordshire and West Essex integrated care board, I was told that it will not allow opticians to perform vital services such as treating minor eye injuries, as doing so is deemed too expensive, despite that being the norm in the areas surrounding my constituency. Will the Minister meet me to discuss how we can ensure a fair system across the country, rather than a postcode lottery?”
“My constituent Greg contacted me this afternoon. He is worried about his 24-year-old daughter who is in Tel Aviv on her own. What reassurance can the Foreign Secretary give to my constituents that we will repatriate British citizens as quickly as possible?”
“Unfortunately, several of my residents have been directly affected by Thursday’s air crash. I place on record my gratitude to local community leaders like Councillor Vishal Patel for offering support and organising events, such as the vigil I attended on Friday, to allow those affected to come together and grieve. Councillor Patel raised a tragic case with me, in which the wife of one of my constituents passed away, leaving behind him and his two children. He is currently relying on his mother to help with childcare support around his shift work, but she does not have permanent residence in the UK. What will happen to those who have lost loved ones who they or their family rely on for care, who will now need to look to other members of their extended family for support?”
“There is a perception that Hertfordshire is an affluent county, but as someone who has not always been based there, I know it is still a significant concern for my residents that across Hertfordshire, we do not receive the average provision that other counties benefit from. If the Minister was willing and able to speak to Treasury colleagues, I am sure she would get cross-party support in her long-overdue fight to right this wrong. We all want to ensure that children in our communities do better and fulfil their potential.”
“Today, I urge the county council to do all it can to ensure that that school breaks ground as soon as possible. The current location is not fit for purpose, not just because it is an old building that was not built for SEND provision, but because the significant demand for such provision in Hertfordshire means that it will quickly be out of date and not able to accommodate sufficient student numbers. I hope that the Minister will provide not just additional support, but—going back to my right hon. Friend’s earlier suggestion—fair funding for those areas that really need it.”