← LEADERSHIP TERMINAL

UK PARLIAMENT · SITTING

David Chadwick

MP for Brecon, Radnor and Cwm Tawe · Liberal Democrat · United Kingdom

IN THEIR OWN WORDS

Q3. Two weeks ago, the news leaked that Powys teaching health board is considering taking the beds out of all but two community hospitals in Powys. Some 2,500 people have already signed my petition against those cuts.

ENGAGEMENTS · 2026-07-15 · READ IN HANSARD

The imposition of tariff barriers alone is not sufficient to address the shortcomings in our steel industry. The Minister said that it is important to provide more opportunities to help people buy British steel, but there is a difference between saying that and making it happen.

STEEL TRADE MEASURE · 2026-06-25 · READ IN HANSARD

I am intervening because the hon. Lady mentioned Port Talbot. Last year, I met the Associated British Ports in Port Talbot. It raised concerns that the current rail link into the docks may not have the gauge needed for the large structures that will be brought in for assembly or to get freight out from the new freeport that will be create…

PORTS AND PORT CONNECTIVITY · 2026-06-25 · READ IN HANSARD

My constituency is home to the Sennybridge training area, an area of vital national importance that borders Merthyr Cynog. The military training area exists only because local farmers surrendered their farms for the national interest.

DEFENCE INVESTMENT PLAN · 2026-06-10 · READ IN HANSARD

The Foreign Secretary will know that the ongoing violence continues to take a horrific toll on civilian populations across Lebanon, Gaza and the wider region.

MIDDLE EAST · 2026-06-09 · READ IN HANSARD

Powys has no general hospital, so my constituents are dependent on access to English hospitals for the treatment and operations they need. However, last July, Powys teaching health board made the decision to extend waiting times for Powys patients awaiting operations, with the result that many have now been waiting years, often in agonisi…

CROSS-BORDER HEALTHCARE · 2026-06-09 · READ IN HANSARD

The complete record

Every one of 456 lines we hold for David Chadwick, in date order, each linked to its source. Free to read, in full, without an account. Page 1 of 10.

  1. Q3. Two weeks ago, the news leaked that Powys teaching health board is considering taking the beds out of all but two community hospitals in Powys. Some 2,500 people have already signed my petition against those cuts. Does the Prime Minister agree that taking beds out of community hospitals is not a solution for the crisis in social care? Why did he not prioritise fixing social care when he had the opportunity?

    ENGAGEMENTS · 2026-07-15 · READ IN HANSARD

  2. I am intervening because the hon. Lady mentioned Port Talbot. Last year, I met the Associated British Ports in Port Talbot. It raised concerns that the current rail link into the docks may not have the gauge needed for the large structures that will be brought in for assembly or to get freight out from the new freeport that will be created. Does she agree that the Minister should assess whether upgrades, or even a new rail link into the docks, will be needed so that rail infrastructure—or the lack of it—does not hold back this major opportunity for south Wales?

    PORTS AND PORT CONNECTIVITY · 2026-06-25 · READ IN HANSARD

  3. The imposition of tariff barriers alone is not sufficient to address the shortcomings in our steel industry. The Minister said that it is important to provide more opportunities to help people buy British steel, but there is a difference between saying that and making it happen. He will be aware that we lack the heavy plate steel and plate rolling capability needed for building offshore wind turbines, which could be made in Port Talbot rather than having to be imported from abroad, and that specialist plate for defence applications is also limited. What are the Government doing to close those strategic capability gaps? Have they assessed whether developing a heavy plate mill at Port Talbot could help to underpin the offshore wind industry that we could build in the Celtic sea?

    STEEL TRADE MEASURE · 2026-06-25 · READ IN HANSARD

  4. My constituency is home to the Sennybridge training area, an area of vital national importance that borders Merthyr Cynog. The military training area exists only because local farmers surrendered their farms for the national interest. However, the Minister’s Department is now raising concerns about foreign investment in the area—notably that from Bute Energy, which plans to build wind farms that could create a physical obstruction to air traffic movements and military operations. Will the Minister outline what he is doing to support defence investment in Wales at sites like Sennybridge? Will he agree to meet me and Merthyr Cynog community council to discuss Bute Energy’s plans for the area?

    DEFENCE INVESTMENT PLAN · 2026-06-10 · READ IN HANSARD

  5. Powys has no general hospital, so my constituents are dependent on access to English hospitals for the treatment and operations they need. However, last July, Powys teaching health board made the decision to extend waiting times for Powys patients awaiting operations, with the result that many have now been waiting years, often in agonising pain. Will the Minister meet me, Powys teaching health board and the new Welsh Health Minister to ensure Powys patients get the funding and treatment they need?

    CROSS-BORDER HEALTHCARE · 2026-06-09 · READ IN HANSARD

  6. The Foreign Secretary will know that the ongoing violence continues to take a horrific toll on civilian populations across Lebanon, Gaza and the wider region. Given our legal obligations under the strategic export licensing criteria, what assessment have the Government made of the risk of UK-supplied components being used in violations of international humanitarian law? Will the Government publish those assessments so that they can be properly scrutinised? Will they now take the decisive step to halt all arms exports to Israel?

    MIDDLE EAST · 2026-06-09 · READ IN HANSARD

  7. My constituents are disgusted by the sheer volume of sewage dumping that is happening across the River Tawe, the Usk and the Wye. Just two weeks ago, local children became ill after swimming in the Tawe, and the same happened last year in the Wye near Glasbury. Will the Minister listen to the Liberal Democrat calls to require water companies to publish the volume and concentration of sewage being discharged from emergency overflows?

    WATER COMPANIES · 2026-06-08 · READ IN HANSARD

  8. I salute the speech that my hon. Friend is giving; I am seeing the same situation play out in my constituency. Brecon has one of the most beautiful high streets in Wales, with its gorgeous Georgian buildings, but local businesses are telling me exactly the same thing. They are taking an absolute hammering from this Government’s decision to push through business rate revaluations. Does my hon. Friend agree that that is a real concern? Does he believe that the VAT cut to hospitality that the Liberal Democrats are calling for would at least help to restore some activity, life and profit to our hospitality businesses?

    HIGH STREET BUSINESSES: GOVERNMENT SUPPORT · 2026-06-04 · READ IN HANSARD

  9. That is why rural bus connections are so important. Again, I thank the hon. Member for Rossendale and Darwen for giving us the opportunity to put these points on the record.

    SMALL TOWNS: TRANSPORT LINKS · 2026-06-03 · READ IN HANSARD

  10. For many residents across Brecon, Radnor and Cwm Tawe, a reliable public transport connection to the Welsh capital is essential. Those changes to the T4 service may look minor on a map but, for those who rely on public transport, it has made travelling to Cardiff significantly more difficult. Rural communities should not be expected to accept a worse service while being told by their Government that it represents progress. The direct service to Cardiff must be restored, because it is leaving many elderly pensioners in my constituency stuck at home. The Swansea valley has similar challenges with bus services. People in Ystradgynlais, Ystalyfera and Pontardawe have repeatedly reported buses on the T6 and X6 routes running late, being cancelled at short notice or not turning up at all in recent months.

    SMALL TOWNS: TRANSPORT LINKS · 2026-06-03 · READ IN HANSARD

  11. What was once the only direct connection between mid-Wales and our capital, Cardiff, now requires passengers to change in Merthyr Tydfil. For many residents, particularly older or disabled passengers and those carrying heavy luggage, that additional change is not a minor inconvenience. It makes journeys longer, more complicated and less attractive. That is made worse by the fact that the T4 and X4 timetables are poorly integrated, leaving passengers facing lengthy waits and unreliable connections from Merthyr. Cardiff is the major destination on the route. It is where people travel for specialist NHS appointments, university and college education, employment opportunities, access to national institutions or simply a day shopping.

    SMALL TOWNS: TRANSPORT LINKS · 2026-06-03 · READ IN HANSARD

  12. It is a pleasure to serve under your chairmanship, Sir Roger. I thank the hon. Member for Rossendale and Darwen (Andy MacNae) for securing the debate. I agree with many of his comments. Transport options for people across Brecon, Radnor and Cwm Tawe are dreadful. Whether for getting to work, accessing healthcare, visiting family, attending college or simply participating in community life, transport options are often the difference between a thriving town and one that has been left behind. In one of the largest and most rural constituencies in Wales and the whole UK, too many residents feel that transport decisions are being made “to” them rather than with them. One of the biggest concerns recently raised with me is the changes made to the T4 bus service.

    SMALL TOWNS: TRANSPORT LINKS · 2026-06-03 · READ IN HANSARD

  13. Increased fuel costs are a real pain point in a constituency like mine. Rural households that depend on their cars spend nearly £800 a year more on fuel than people who live in urban areas. Will the Government listen again to the Liberal Democrats’ demands for an immediate 10p cut in fuel duty, which would bring down pump prices by 12p per litre?

    COSTS FOR MOTORISTS · 2026-05-21 · READ IN HANSARD

  14. I was encouraged by some of the Secretary of State’s comments about the skills shortages, because we have serious skills shortages. There are thousands of vacancies for welders alone, and their pay is shooting up as a result. Skills shortages throughout the steel industry are pushing up the price of building anything, particularly infrastructure. That is why the health of our steel industry matters. If we do not look after it, the costs for projects such as HS2 and the cost of delivering all the housing we need will continue to mount.

    STEEL INDUSTRY (NATIONALISATION) BILL · 2026-05-21 · READ IN HANSARD

  15. I start this contribution on a positive note for the steel industry. Last week I visited Kiernan Steel’s fabrication workshop in Llandrindod, Wales. Kiernan Steel is a tremendously successful Irish company that has brought much-needed jobs to Radnorshire, and its success shows how the rural economy can prosper if our businesses are encouraged and enabled to locate there. One thing there is no shortage of in mid-Wales is land, and if we make that land available to businesses that need it, they will create the jobs that our region and economy need. The steel industry is critical to our wider economy—it is virtually impossible to build anything without steel. However, the steel industry requires a skilled workforce.

    STEEL INDUSTRY (NATIONALISATION) BILL · 2026-05-21 · READ IN HANSARD

  16. That was despite Welsh Labour MPs and candidates, in the months prior to the general election, lining up in front of giant election posters that read, “Save our steel.” They said they had a £2.5 billion fund to spend on steel. Given that the Government have admitted to spending £1.3 million a day to keep the Scunthorpe plant going, how much of that fund is left to spend in Wales? If protecting primary steel production is so important, why did they allow the biggest steelworks in Britain to be turned off? Welsh workers were told that nothing could be done. People in my constituency have lost their jobs because of this. When 2,800 jobs were wiped out in Port Talbot, there was no emergency Saturday sitting, no recall of Parliament, no emergency legislation and no sudden declaration that steel was a vital national—

    STEEL INDUSTRY (NATIONALISATION) BILL · 2026-05-21 · READ IN HANSARD

  17. China has wiped out our steel industry intentionally, yet today the Conservatives seem to be saying that they do not think the Government should do anything about it. Just yesterday they were complaining about our lack of defence readiness. Well, what do they think tanks and ships are made from? Today, this Government ask Parliament to move heaven and earth to save steel in Scunthorpe. It is right to act—of course the Government should have the proposed powers—but people in Wales are asking one simple question today: where was this Bill in July 2024, when the blast furnaces at Port Talbot were switched off for the last time? When Welsh communities were crying out for help, Westminster shrugged its shoulders.

    STEEL INDUSTRY (NATIONALISATION) BILL · 2026-05-21 · READ IN HANSARD

  18. There are at least 6,000 vacancies for welders, so we absolutely need a lot more of them. The skills shortages present opportunities to get future generations into well-paid and secure trades. Artificial intelligence cannot do welding yet, because it does not have any arms—yet. Our education system is not producing the skills that our economy needs, and our economy is suffering from that failure. Steel is strategic. It is part of our sovereign capability and part of British power. That is why steel matters. As has been mentioned, the steel industry is affected by the geopolitical tensions that are so rampant across the world. Our steel industry has been hammered by the Chinese, who have flooded the international market with cheap Chinese steel and have run one of our biggest companies into the ground.

    STEEL INDUSTRY (NATIONALISATION) BILL · 2026-05-21 · READ IN HANSARD

  19. The hon. Member is making a sincere and excellent speech, and just made a brilliant point. As we heard earlier, in 2023 some 2.6 million animals were still being tested on, which is a moral atrocity. Does the hon. Member agree that the move away from animal testing should lead to greater investment in testing that will drive better scientific outcomes?

    ANIMAL TESTING · 2026-04-27 · READ IN HANSARD

  20. Since coming to power, time and again this Government have failed to stand up for Welsh interests. Nowhere has that been more obvious than in mid-Wales, where Oliver Millican and his company Bute Energy would like to build a series of energy parks that encircle our military training bases, impede our farmers’ access to their land and do great damage to our local tourist industry. Will the Secretary of State take the opportunity to tell Oliver and Bute Energy that they are not welcome in Wales, because we are fed up of being exploited?

    CLEAN ENERGY · 2026-04-22 · READ IN HANSARD

  21. How can Ministers talk about biodiversity targets while approving developments that official briefings warn could negate years of restoration work? Wales needs a renewables strategy that commands public consent, protects irreplaceable habitats and recognises that not every hectare of land is suitable for industrial development. Otherwise, the Welsh Government risk undermining the very environmental goals they claim to champion. As I am sure we all agree, once those landscapes are gone, they are not coming back.

    WIND FARMS: PROTECTED PEATLAND · 2026-04-21 · READ IN HANSARD

  22. They support fragile and irreplaceable biodiversity, from waxcaps to breeding populations of curlew, skylark, cuckoo and raptor, as well as protected mammals such as the brown hare. That is the crucial point: those habitats cannot simply be recreated somewhere else. They exist because of centuries of minimal human intervention. Once they are developed, they are lost for ever. In a global context, Wales is one of the last refuges for these species. We are told these are exceptional cases but when one exception follows another, people are right to ask whether any peatland or any sensitive habitat in Wales is truly safe. That matters not just for wildlife and landscapes but for the credibility of Welsh climate policy.

    WIND FARMS: PROTECTED PEATLAND · 2026-04-21 · READ IN HANSARD

  23. That landscape includes a special area of conservation linked to the River Wye, sites of special scientific interest and a network of public rights of way used by walkers and local communities. Around 80% of the site lies outside the Welsh Government’s own designated areas for wind development and yet they are threatening to allow Bute Energy to destroy it. It is at sites such as Banc y Celyn and Garreg Fawr that the myth of low ecological value land is most clearly exposed. Those are not degraded or expendable landscapes; they are some of the last remaining habitats of their kind. Those ecosystems survive precisely because they have not been intensively managed. They have avoided the fertilisers and pesticides that have wiped out similar habitats across much of Europe.

    WIND FARMS: PROTECTED PEATLAND · 2026-04-21 · READ IN HANSARD

  24. When we look at the sites now proposed, the stakes become even clearer. Take Gilwern hill. Its open moorland is crossed by ancient drovers’ routes. It is home to species such as the curlew, the skylark and the red kite, and it is rich in archaeology. One of the specialities of Powys is the reintroduction and preservation of endangered birds. We have bronze age cairns and iron age hillforts that face not only turbines but access tracks, as previously mentioned, up to 100 metres wide cutting across the landscape. At Nant Mithil, we have more than 4,500 acres of the Radnor forest, where the Welsh dragon supposedly lives— [ Laughter. ] Take my word for it; it is too dangerous.

    WIND FARMS: PROTECTED PEATLAND · 2026-04-21 · READ IN HANSARD

  25. The Campaign for the Protection of Rural Wales—the Welsh countryside charity —uncovered internal Welsh Government documents that show there is serious ecological damage at existing wind farm sites. Peat soils are being excavated, dumped and “left to oxidise, erode and degrade.” Officials warned that further damage would occur, and that further public money would be needed to put that right. Despite all that, the Welsh Labour Government still approve projects such as the Garn Fach development in the north of Powys, on vital peatland that serves the catchment area of the River Severn—an area that we know is already vulnerable to causing severe flooding downstream. That decision sent a deeply worrying message: that promises to protect peatland can be overridden when it becomes politically convenient to do so.

    WIND FARMS: PROTECTED PEATLAND · 2026-04-21 · READ IN HANSARD

  26. Sir Alec, I know that you are a keen engineer and that you will be interested in the opportunities to develop tidal energy in Wales, and the bountiful opportunities to develop our offshore wind capabilities. However, destroying one of our most important natural climate defences in the process of developing onshore wind is reckless and irresponsible. That is the contradiction at the heart of wind farm development on peatland. Peatlands are not wasteland. They are among our most valuable ecosystems. They store carbon, regulate water and support biodiversity. When damaged they can release the very emissions that we are supposed to be preventing. We already have evidence that such warnings are being brushed aside in Wales.

    WIND FARMS: PROTECTED PEATLAND · 2026-04-21 · READ IN HANSARD

  27. It is an honour to serve under your chairship, Sir Alec. I thank the hon. Member for Keighley and Ilkley (Robbie Moore) for securing this vital debate. I share many of his concerns. Mid-Wales faces a wave of wind farm proposals on a scale that would transform the landscapes that make mid-Wales so incredibly special. From Gilwern hill near Llandrindod Wells to Nant Mithil in the Radnor forest, Banc y Celyn, Garreg Fawr and Aberedw, our communities are being asked to absorb huge energy developments across some of the most unspoilt and environmentally sensitive parts of Wales. Clearly we need clean energy. We need renewable energy and there are huge possibilities across Wales.

    WIND FARMS: PROTECTED PEATLAND · 2026-04-21 · READ IN HANSARD

  28. I thank my hon. Friend for securing this debate. More than 55% of households in Brecon, Radnor and Cwm Tawe are off grid. I am grateful to him for mentioning LPG. As he knows, residents who rely on LPG did not get support from the Conservatives when this last happened back in 2022. Does he agree that we need to go further and provide support to people who rely on all fuel types?

    COST OF HEATING OIL · 2026-04-15 · READ IN HANSARD

  29. The waiting list has grown to 66,000 people, an increase of 4,000, and 32,000 payments are now outstanding. Applicants are being told that they may wait up to 37 weeks just for a decision, and some, in particular the self-employed, for more than a year. Let us be clear what that means. It means that someone offered a job cannot take it, that someone already in work cannot do the job properly and, in too many cases, that jobs are being lost unnecessarily.

    ACCESS TO WORK SCHEME · 2026-04-15 · READ IN HANSARD

  30. The Access to Work scheme should enable disabled people to enter work, to stay in work and to contribute fully to their communities and to our economy. Disabled people can have complex needs, but achieve remarkable things despite them. The scheme enables more than 74,000 disabled people to work by providing support such as specialist equipment, support workers and specialist job coaches. A study commissioned by the Royal National Institute of Blind People found a £1.48 return for every £1 spent on the Access to Work scheme, so it is excellent value for money. I have mentioned previously in the House that some of my constituents have been waiting more than nine months just for an assessment of their needs. Since then, the situation has deteriorated further.

    ACCESS TO WORK SCHEME · 2026-04-15 · READ IN HANSARD

  31. I beg to move, That this House has considered the Access to Work scheme. It is a pleasure to serve under your chairship, Mrs Harris. A disability can happen to any one of us at any time. That was a lesson that I learned the hard way, when I became fully paralysed by Guillain-Barré syndrome aged 22. I was unable to walk for five months, and it took me more than two years to walk steadily on my feet again. I remember feeling utterly exhausted and I worried about how I would ever work again. I am grateful to have made a near full recovery, but not everyone does. For many disabled people, the greatest barrier to work is whether the right support will be in place to make work possible and sustainable for them.

    ACCESS TO WORK SCHEME · 2026-04-15 · READ IN HANSARD

  32. I agree wholeheartedly that that is a great waste of the undoubted talent that Megan has and should be able to bring to the table. Demand for the scheme has risen sharply. That should be welcomed, because it shows that people want to work and want to get back into work, but the system has not kept up with their demands. Backlogs are growing, processing times are getting longer and confidence in the scheme is falling away.

    ACCESS TO WORK SCHEME · 2026-04-15 · READ IN HANSARD

  33. Many disabled people are desperate to work, but they are being let down by this scheme, which has helped so many people over the years. I urge the Minister to recognise the urgency of the issue and set out how the Government will act.

    ACCESS TO WORK SCHEME · 2026-04-15 · READ IN HANSARD

  34. The result is clear: people are being kept out of work because the Government’s system is not working for them. That creates a fundamental contradiction: the Government want more disabled people in work, and disabled people have plenty to offer, but encouragement without support does not represent opportunity. When Access to Work fails, people fall out of employment, businesses miss out on talent, and more people are pushed into economic inactivity. At a time when we must indeed focus on growth, we should be strengthening the system, not allowing it to fall behind. We need urgent steps to tackle the backlog. We need a system that is faster, clearer and accessible. We need funding decisions that reflect the reality of specialist support. Ultimately, this is about whether disabled people can participate equally in working life.

    ACCESS TO WORK SCHEME · 2026-04-15 · READ IN HANSARD

  35. They face long reconsideration processes, struggle to contact caseworkers and in some instances cannot even access the system properly, because of their needs. This does not sound like a system working with people; it feels like one that they are having to fight to get through. There are also serious concerns about funding decisions. I have been made aware of cases in which support has been cut significantly, not because needs have changed, but because funding is benchmarked against generic regional job market rates, which will punish people living longer, particularly in Wales, where we have lower than average salaries. That misunderstands the entire purpose of the scheme. We are seeing a convergence of problems: delays getting into the system, barriers to navigating it and reductions in support once people are in it.

    ACCESS TO WORK SCHEME · 2026-04-15 · READ IN HANSARD

  36. Yes. The hon. Member is right to mention how everyone can benefit from people getting back into work—both employers and disabled people looking for work can benefit—but the system is not enabling that to happen. Self-employed individuals, in particular, are losing their businesses, and employers—in particular smaller employers—are being left with costs and uncertainty. A scheme designed to support work is, in its current state, preventing it. Alongside the delays, there are growing concerns about how the scheme operates in practice. My constituents report being forced to reapply from scratch at renewal, even when nothing has changed. We know that we have the technology to deal with that problem.

    ACCESS TO WORK SCHEME · 2026-04-15 · READ IN HANSARD

  37. As far back as 2014, Parliament made a commitment to the Evanses and others like them that their cases would be reviewed and that fair and reasonable redress would follow. That commitment has not been honoured. Justice is long overdue, and I urge the Minister to relook at the Evans case and the others raised today and commit to ensuring that those businesses will finally benefit from a redress scheme that will provide true compensation and fairness.

    HIDDEN CREDIT LIABILITIES: ROLE OF THE FCA · 2026-04-14 · READ IN HANSARD

  38. The Financial Conduct Authority’s purpose is to regulate financial services, set standards and hold those that fail to meet those standards to account. Clearly, it has failed to help the Evans family and so many others. The FCA deliberately excluded key features of derivatives and consequential losses from its remediation exercise, and direct correspondence with chief executive officer Andrew Bailey and chair John Griffiths-Jones produced nothing meaningful. Springdew relied on a system it was told to trust. It was misdirected by official process, suffered catastrophic personal and financial harm, and followed the rules throughout. My constituents have been victims of serious banking misconduct and have been terribly let down.

    HIDDEN CREDIT LIABILITIES: ROLE OF THE FCA · 2026-04-14 · READ IN HANSARD

  39. Although the financial consequences have been devastating, the greatest losses have been of health, of time and of life; one of Don’s daughters also sadly passed away. The Fraud Act 2006 defines three types of fraud: false representation, failure to disclose information and abuse of position. The Evans family believe that they have been the victims of all three. There was a brief glimmer of hope for justice when the Business Banking Resolution Service was established, but the guilty banks engineered ways to deem Springdew ineligible, as they did with the vast majority of claimants, with a staggering 76% of claimants being turned away. The family were then diverted to the Financial Ombudsman Service, which was an equally unsatisfying experience. There are clear systemic failures in how financial injustices are handled.

    HIDDEN CREDIT LIABILITIES: ROLE OF THE FCA · 2026-04-14 · READ IN HANSARD

  40. I must stress that when businesses are destroyed through banking misconduct it is not just founders and shareholders who suffer, but employees and the wider community too. The stress has had direct medical consequences. In 2011, Don suffered a perforated ulcer and was hospitalised for a week. In January 2024, a month after Springdew began liquidation, Don suffered a major stroke. He was discharged early on a Friday due to his wife’s deteriorating condition; that same night she was hospitalised with pneumonia, an illness that can be brought on by sustained stress. The situation worsened when the family learned that she had cancer, which she had kept secret, not wanting to add to the family’s burden.

    HIDDEN CREDIT LIABILITIES: ROLE OF THE FCA · 2026-04-14 · READ IN HANSARD

  41. The bank has since refused to disclose key internal documents promised in the guide to the review in November 2012. As a company rather than an individual, Springdew has no legal right to a data subject access request, so reform there is desperately needed. If businesses cannot access disclosure from the other side, they are fighting blindfolded. We also need to regulate business lending properly. The world of SME finance should not be the wild west. The business had been flourishing, but the bank’s behaviour brought all of that to an unnecessary end. The family invested a further £600,000 of their own money to keep the business afloat—money that is now with creditors. Springdew was the last major employer in the upper Swansea valley, providing much-needed jobs.

    HIDDEN CREDIT LIABILITIES: ROLE OF THE FCA · 2026-04-14 · READ IN HANSARD

  42. That interest rate swap was included in the 2012 interest rate hedging products remediation process. Barclays stated that the product had been mis-sold and a full tear-up was agreed, with the Evans family refunded moneys paid plus statutory interest. However, the bank refused to engage with Springdew’s claim for consequential losses, and the hidden credit line had damaged its credit standing, leading to transfer to Barclays’ business support unit, where additional fees were charged. Its experience in the business support unit included manipulated interest rates, false reporting, a refusal to suspend payments, personal and pension funds being injected and forced equipment sales. The hidden credit line also meant that the bank was unwilling to provide additional lending to support growth.

    HIDDEN CREDIT LIABILITIES: ROLE OF THE FCA · 2026-04-14 · READ IN HANSARD

  43. Springdew Ltd, a pharmaceuticals company, was the kind of firm that made its employees and the wider upper Swansea valley community part of an extended family. Customers included Procter & Gamble, Pfizer, Johnson & Johnson and GSK. In 2007, the business became GSK’s supplier of the year. Unknown to the Evans family, Springdew was originally put into a 10-year structured collar by Barclays Capital in early 2006 for a notional amount of £800,000, allegedly rolled into an interest rate swap with a notional value of £1.3 million, with Springdew paying the fixed rate of 5.6% for an excessively long period—15 years. The bank was highly motivated to make the term so long because it had secretly added a hidden margin of circa 60 basis points to the swap rate, bookable as a day one profit of circa £85,000.

    HIDDEN CREDIT LIABILITIES: ROLE OF THE FCA · 2026-04-14 · READ IN HANSARD

  44. It is an honour to serve under your chairship, Sir Roger. I thank the right hon. Member for Hayes and Harlington (John McDonnell) for securing this vital debate. I have tried to support the Evans family, my constituents, since I first became an MP, carrying on the work of my predecessor Roger Williams, who was here until 2015. I have got to know Don, Rachel and Paul and their circumstances quite well, and Paul is here with us today. The Evans family have suffered as a result of shocking banking malpractice, and I hope and believe that we have a Minister here today with the professional expertise and intellect to understand what the banks did and put things right. Don Evans led a family firm in every sense: his wife, two daughters, son, son-in-law and granddaughter all played a part.

    HIDDEN CREDIT LIABILITIES: ROLE OF THE FCA · 2026-04-14 · READ IN HANSARD

  45. Park home residents in Brecon and Radnor, and indeed across the entire country, describe the 10% sales commission as a deeply unfair hit on their life savings, often amounting to tens of thousands of pounds. With the Government’s call for evidence now under way, what assessment has the Minister made of whether this charge is fair and whether residents are receiving value for money?

    PARK HOMES: SALES COMMISSION CHARGES · 2026-04-13 · READ IN HANSARD

  46. Clair Swales, the chief executive officer of PAVO—the Powys Association of Voluntary Organisations—told me of her real concerns about the future of such services if the mileage rate is not increased, particularly given the fuel shock we are experiencing at the moment. We must recognise that community transport is essential infrastructure. It should not be an afterthought. Ensuring that it receives the support it needs to keep going is also important for making sure that our residents can receive healthcare treatment. Without it, our warm words about community support risk meaning very little in practice. Finally, I pay tribute to the volunteers who keep these schemes running—quietly, selflessly and often without recognition. Without them, none of this would be possible.

    VOLUNTARY GROUPS AND COMMUNITY CENTRES · 2026-03-25 · READ IN HANSARD

  47. If community transport begins to struggle, people do not just lose a lift; they lose access to their community, their support networks and, in many cases, their independence and ability to get to healthcare appointments. We should recognise that many volunteer drivers use their own vehicles, and that current mileage rates do not fully reflect the real cost of fuel and maintenance, making it harder to recruit and retain the people the services depend on. His Majesty’s Revenue and Customs’ mileage rate has not increased since 2011, and is set at 45p a mile. If we are serious about supporting voluntary groups and community centres, we must be serious about supporting the transport networks that make them viable.

    VOLUNTARY GROUPS AND COMMUNITY CENTRES · 2026-03-25 · READ IN HANSARD

  48. Unlike commercial operators, they cannot just increase the prices, because the people who rely on them often cannot afford it. Increasingly, they are asked to do more than just provide transport. As pressures on social care grow, community transport providers are stepping in to offer reassurance and informal support, and helping people navigate services, going well beyond their funded remit. Demand for such services is rising, especially as public transport options reduce and more people face isolation, particularly in rural areas, but funding has not kept pace. In one local scheme alone, nearly 5,000 journeys were provided last year, covering more than 30,000 miles. Yet services are still being asked to do more with less, and the consequences are stark.

    VOLUNTARY GROUPS AND COMMUNITY CENTRES · 2026-03-25 · READ IN HANSARD

  49. Without them, many, particularly older residents, are simply cut off. In my constituency, we are fortunate to have a network of dedicated, community-led schemes doing incredible work. Services such as Hay and district dial-a-ride, Rhayader and district dial-a-ride, Brecon and Crickhowell dial-a-ride and Llanwrtyd Wells community transport provide vital lifelines. Alongside them, organisations such as Steer community transport in the Swansea valley, Rhayader and district community support and the Ystradgynlais community car scheme help people remain independent and connected. Those services are under real pressure. They are often volunteer led, operating on tight budgets and now facing rising fuel costs that they struggle to absorb.

    VOLUNTARY GROUPS AND COMMUNITY CENTRES · 2026-03-25 · READ IN HANSARD

  50. It is an honour to serve under your chairmanship, Ms McVey. I thank the hon. Member for Chelsea and Fulham (Ben Coleman) for securing this vital debate on voluntary groups and community centres. Supporting voluntary groups and community centres must include supporting how people actually get to them. In rural areas like mine, that means community transport, which is an essential service in rural Wales. It is what keeps voluntary groups and community centres going. It enables people to attend lunch clubs, reach community hubs, volunteer their time and stay connected to the places they live in. It is also vital for ensuring that people across Powys can reach their healthcare appointments. In towns and villages throughout Powys and the Swansea valley, people rely on those services every single day.

    VOLUNTARY GROUPS AND COMMUNITY CENTRES · 2026-03-25 · READ IN HANSARD