argyrotsipi/train-dataset huggingface dataset:
Financial Guidance and Claims Bill [Lords] — House of Commons, 2018-01-22
Topic: Domestic Commerce
Deborah Angela Elspeth Marie Abrahams (Labour, Centre-left): I congratulate Nationwide and all organisations that recognise that they have a duty of care to their customers. We need to put that duty of care on the face of the Bill, particularly for those who find themselves in vulnerable circumstances As providers of mortgages and other key financial commitments, banks and building societies have a huge influence—good or bad—on the financial wellbeing of many households. When the right support is put in place, that can lead to improved outcomes for customers, as we have just heard. However, that Macmillan research shows that problems still exist and that there is a lack of consistency in the support offered to people when they seek help With that in mind, will the Government support a revision of legislation to incorporate the recommendation made by the Lords Financial Exclusion Committee regarding a duty of care? The Committee concluded that the Government should amend the Financial Services and Markets Act 2000 to introduce a requirement for the FCA to make rules setting out a reasonable duty of care for financial services providers. I appreciate that any change as significant as that must be subject to proper consideration, and it is therefore welcome that the FCA has committed to publishing a discussion paper. However, the Government and the FCA have said this must wait until "after the UK’s withdrawal from the EU" becomes clear, but I do not think that we can wait, because people cannot wait. I therefore urge the Minister to look carefully at the issue and to bring forward suitable proposals in Committee In conclusion, we by and large support the Bill, but a number of areas can be strengthened significantly—for instance, the duty of care needs to be addressed on the face of the Bill—so I urge the Minister to act on those areas, and I look forward to his response.
Financial Guidance and Claims Bill [Lords] — House of Commons, 2018-01-22
Topic: Mixed Topics
Emma Ann Hardy (Labour, Centre-left): It is a pleasure to follow the hon. Member for Mid Derbyshire (Mrs Latham). I particularly welcome her comments about the Dying to Work campaign, which I am supporting in my constituency, too Crippling personal debt is a huge problem. The stress of not knowing what a letter contains and never being sure whether it is the bailiffs at the door can sour relationships, destroy families and make people ill. On this Government’s watch, household debt is now higher as a percentage of disposable income than at any time since 2008, and figures show that nearly 4,000 families in Hull live with problem debt. I therefore welcome the opportunity the Bill affords us to discuss such an important issue, and although it is a wide-ranging Bill, I will confine my contribution to clauses 7 and 8 on the statutory breathing space scheme.
Financial Guidance and Claims Bill [Lords] — House of Commons, 2018-01-22
Topic: Other
Laura Smith (Labour, Centre-left): It is an honour to follow the hon. Member for Redditch (Rachel Maclean) Even though my hon. Friend the Member for Bristol North West (Darren Jones) has left the Chamber, I thank him for his very honest speech. I, too, remember the anxiety that filled my childhood home when the Provident came knocking. Both my parents also worked. Perhaps the hon. Member for Gloucester (Richard Graham) could listen and learn from people who have experience of living through hardship, rather than moaning about something that is political being political—after all, I thought we were all politicians.
Committees — House of Commons, 2018-01-22
Topic: Mixed Topics
Rosalie Winterton (Labour, Centre-left): With the leave of the House, we will take motions 5, 6 and 7 together Ordered, Environmental Audit Committee That Mr Robert Goodwill and Mr Philip Dunne be members of the Environmental Audit Committee. Procedure Committee That David Evennett be a member of the Procedure Committee Science and Technology Committee That Adam Holloway be discharged from the Science and Technology Committee and Damien Moore be added.—(Bill Wiggin, on behalf of the Selection Committee.)
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Mixed Topics
Teresa Pearce (Labour, Centre-left): I thank my hon. Friend for promoting this private Member’s Bill. Morally, we know that we must take up this issue, but is she surprised to know that that is also the case financially? This month, I received a letter from the Department of Health and Social Care, which stated that conditions of poor-quality housing cost the NHS—and this is a conservative estimate—an estimated £1.4 billion a year.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): My hon. Friend is a mind reader because I was coming to that very point. There is plenty of evidence to confirm that bad housing is a drain on the national health service and—as in so many other areas—if we were able to act more effectively to tackle the causes of bad housing, that would also benefit the NHS.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): I absolutely do. The vast majority of landlords act responsibly towards their tenants, and they have an interest in ensuring that the rogue minority do not get away with irresponsible behaviour This week, I was pleased to take part in Parliament’s digital engagement process, and our project on housing standards received the best response so far in that important experiment. That is pleasing, although it further served to confirm the extent of the problem. We were told that 57,000 people viewed the Facebook page on which we presented our questions about attitudes to housing fitness, and some of the case studies that came in as a response were truly horrifying. Those studies came from all over the country and reflected the scale of the problem. We know anecdotally, and from Members of Parliament, councillors and other caseworkers, just how serious is the problem of substandard and unfit housing. The English housing survey shows that three quarters of a million private rented properties—about one in six of that sector—are unfit and that about a quarter of a million social rented homes contain a category one hazard under the housing, health and safety rating system. That could relate to damp, infestation, excess cold and a number of other risks, and it means that 3 million people, including many children, have their health and safety compromised every day by substandard housing Local council-led enforcement is simply insufficient for the task. I have already mentioned my very positive relationship with my local authority, although it still has constraints, particularly in respect of its own housing stock. Taken across the board, however, local authorities are not enforcing more than a tiny proportion of measures to deal with substandard properties. My most recent freedom of information research, which was prepared into a report by Stephen Battersby, indicates that enforcement action is taken at a level equivalent to only 1% of all the properties that are unfit according to the English housing survey. Research carried out by Shelter about a year ago found that enforcement action has fallen by 40% in recent years. Importantly, this is not a criticism of local authorities, but the fact is that the capacity simply is not there. Performance varies hugely between councils. There is a reliance on informal action in some areas, and although that has its place and can help to resolve some problems, it makes it hard to assess the overall effectiveness of what local authorities are doing.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Eleanor Claire Reeves (Labour, Centre-left): I welcome this Bill. Everyone should have the right to live in a home that is fit for habitation, and if that is not the case, tenants need the ability to challenge landlords in court. Does my hon. Friend agree that, in tandem with this Bill, we must consider reintroducing early legal advice in housing matters, so that problems can be resolved a lot quicker?
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): My hon. Friend will not be surprised to know that, as chair of the all-party group on legal aid, I very much agree with her. Many issues relating to advice and legal aid and other aspects of housing need still need to be resolved if the Bill proceeds.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Mixed Topics
Andrew Francis Slaughter (Labour, Centre-left): All of us, and our constituents, owe a debt of gratitude to my hon. Friend for promoting this Bill and for her perseverance because it is not the first time she has done this. Legal aid is already severely restricted for disrepair. The Government notes to the Bill say that it contains no financial provision—that is probably why they support it—but should we not meet the remedy that the Bill provides with the funds to allow tenants to enforce it?
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): We expect that tenants whose conditions meet the criteria equivalent to disrepair would be able to seek legal aid, and I will be making separate representations about legal aid overall. My hon. Friend and I, and many other Labour Members, feel very strongly about this issue.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): I join the hon. Lady unequivocally in paying tribute to Citizens Advice. It supports the Bill and has written a good briefing about it. I do not want to stray too far from the Bill, but there is a real concern about advice services across the piece, and we must continue to discuss and make representations on that One concern that underpins my motivation for the Bill is that it is often the poorest and most vulnerable people—those with the highest likelihood of having disabilities and sickness—who are trapped in the worst housing, and in my experience, very few people have adequate insurance. That is a much larger problem that we must seek to resolve. A number of different remedies may be available to some people, but the minority of people who are concentrated in very bad housing often do not have access to the remedies that are available to those who are better off.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): There are a number of issues in respect of supporting tenants that are outwith the scope of the Bill and on which I will continue to make representations, including retaliatory eviction. The reality is that local authorities are increasingly cash-strapped. That is one of the reasons that environmental health departments are not able to enforce. In an ideal world, local authorities would be able to fund advice services and tenancy liaison officers. I have seen some very good practice by tenancy liaison workers, including in Westminster, across the parties—when work is good, I am happy to acknowledge that. I am in absolute agreement with the right hon. Gentleman, however, that it is inadequate and patchy, which is exactly why we need to make sure that individual tenants can exercise a direct remedy in law when the other services we would all like to be in place are not up to the job.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Stephen Creswell Timms (Labour, Centre-left): I congratulate my hon. Friend on her Bill. On the role of local authorities, does she welcome, as I do, the Government’s recent decision to reauthorise Newham Council’s selective licensing scheme? She has rightly pointed out that it is a small minority of landlords who are the problem. Does she believe that local authorities more generally should have those selective licensing powers?
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): I do, although that issue is also outwith the scope of the Bill. The Bill proposes one important tool for tenants, but there are many others, some of which are being introduced. We will continue to lobby for others in the future. I certainly congratulate Newham Council on its active work in respect of its rogue landlord sector.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): The hon. Lady is absolutely right. That is one of the purposes of the Bill. Social council tenants do not have the same right as private and housing association tenants, who can go to the local authority, which may or may not enforce. Council tenants cannot do that, and the Bill will extend to them the right to seek remedy As we know, the law in this area is generally outdated and restrictive. I started by saying that there is currently no obligation to ensure that the property is fit, as opposed to the obligation to deal with disrepair, and that there are therefore a range of fitness issues about which tenants can do nothing at all. That used not to be the case. The fitness obligation was set in law, but that has ceased to have effect as the law has developed over many decades The concept of housing fitness—of homes being fit for human habitation—stems all the way back to the Victorian era and the work leading up to the Housing of the Working Classes Act 1885. Lord Salisbury, the then Conservative Leader of the Opposition, made the case that the shocking condition of housing was injurious to both health and morals and was promptly attacked, even by The Guardian, for propagating state socialism The royal commission established prior to the passage of the 1885 Act proposed that there should be a simple power by civil procedure for the recovery of damages against owners or holders of property by those who have suffered injury or loss by their neglect or default in sanitary matters. That is exactly what happened. The remedy was granted to tenants, subject to what was then a relatively generous rent limit, but as time passed and laws changed, overlapped and melded together, the rent limits ceased to be updated and the ability of tenants to seek a remedy when their homes were unfit lapsed Eventually, the impact of that led to a 1996 report by the Law Commission, "Landlord and Tenant: Responsibility for State and Condition of Property". The commission criticised the fact that the right of civil remedy for tenants against their landlords in cases of unfitness had been allowed to "wither on the vine", as the rent limits had remained unchanged for 40 years. It concluded that removing the rent limits would be the preferred way to give tenants a civil remedy. Two Court of Appeal judgments supported the same conclusion More broadly, "Closing the Gaps", a joint report commissioned by Shelter from the Universities of Bristol and Kent last year, concluded: "The law relating to health and safety in people’s homes is piecemeal, out-dated, complex, dependent upon tenure, and patchily enforced. It makes obscure distinctions, which have little relationship with everyday experiences of poor conditions." Apart from that, I am sure it is fine.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): My experience of temporary accommodation is that it includes some of the worst conditions that I have ever seen. Tenants who are often increasingly placed away from their own local authority have a lot of difficulty in seeking remedy, which I strongly believe that they should be able to do What will the Bill actually do? The old obligations on landlords to ensure that a property is fit and not just in a state of repair have become obsolete. The Bill will therefore have the effect of reviving the fitness requirements and updating them by reference to a definition of hazards, the presence of which will determine whether a property is unfit. That list of 29 categories of hazard is set out in the housing health and safety rating system introduced in the Housing Act 2004. It will have the effect of ensuring that unfitness is covered as well as disrepair, so structural and design faults are included where they risk causing serious harm. That includes cases where poor ventilation causes severe damp or infestation, fire safety, dangerously steep stairs without protection from falls and so on. The tenant could take action against the landlord to make them put right any problems or hazards that make the property unfit and seek compensation when the landlord has not done so. The Bill makes it clear that the landlord would not be liable for any issues arising from the behaviour of the tenant or issues that would bring them into conflict with other legal duties.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Karen Patricia Buck (Labour, Centre-left): How do I answer that? I thank the hon. Gentleman for his and the Government’s support May I acknowledge those people who have got us to this stage and who support the Bill? There has been broad support for the proposals, for which I am very grateful. Shelter has campaigned strongly, as has Generation Rent. The Chartered Institute of Environmental Health has lent considerable expertise. The National Housing Federation has given its backing, and excellent briefings have come from Citizens Advice, Mind, the Law Society and, of course, the Library, among others Very importantly, the Bill is backed by the Residential Landlords Association, the National Landlords Association and the Association of Residential Letting Agents. Alan Ward, the chair of the Residential Landlords Association, possibly summed up the situation for all three organisations when he recently wrote that "the Bill seeks to achieve what all good landlords want; better enforcement against the crooks that bring the sector into disrepute." Sam Lister from the Chartered Institute of Housing researched the history of attempts to improve housing fitness, dating back to Lord Salisbury, and he should get the research published because it is fascinating. Stephen Battersby, the former president of the Institution of Environmental Health Officers, has diligently prepared reports on enforcement and housing fitness over several years, and has provided invaluable advice. I also thank colleagues who have given up a precious Friday to be here I am genuinely thrilled to have Government support for the Bill this time around, and I hope that we can, continuing in the positive spirit of recent weeks, make good progress in passing it into law. I give thanks to the officials who have been exceptionally helpful during the preparation stage I want to place on the record my appreciation for Giles Peaker and Justin Bates, the housing lawyers who took the Law Commission recommendations and not only drafted the Bill but supported me through every twist and turn of it over the past two years. They are great lawyers, obviously, but they are also driven by a passion to champion people in housing need, and I owe them a debt of gratitude There is a great deal more to be done to turn the tide on insecurity, affordability, homelessness and housing need, and none of us will stop pressing the Minister to make progress on other fronts. But today we have the chance to progress a Bill that will give tenants new powers to hold the worst landlords to account. I hope that we will take that opportunity, and I commend the Bill to the House.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Lloyd Russell-Moyle (Labour, Centre-left): Is it not important for the Secretary of State for Housing, Communities and Local Government and his Department to approve compulsory licensing schemes in a timely manner? A number of Labour councils in London, and my local council in Brighton and Hove, have put in requests for the Secretary of State to approve, which will give them those enforcement powers.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Lyn Carol Brown (Labour, Centre-left): I am grateful to the hon. Lady for being so generous in giving way. May I gently say to her that Newham Council has a licensing scheme because it provides money with which it can use its enforcement powers? All landlords would benefit from such a scheme, because it would ensure that they all adhered to proper standards, which could only be good for the whole sector.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Clive James Charles Betts (Labour, Centre-left): I congratulate my hon. Friend the Member for Westminster North (Ms Buck). I know that she has long been interested in housing policy and legislation, but what has been clear today—and has been clear for many years to those who have known her that long—is her passionate commitment to housing as it relates to individual tenants and their struggle to secure decent housing conditions. She was driven to introduce the Bill by her experience in her own constituency—which she has spelled out this morning—of the awful circumstances in which people have to live, and her wish to do something to help them There are three reasons why I have a particular interest in this issue, and want the Bill to be passed. First, most members of the public, if they were asked, "Should landlords be able to let properties that are unfit for tenants to live in?", would say, "Of course they should not, but the law prevents that, doesn’t it?" Most people would assume that the law already does what this Bill is attempting to do; they would assume that Parliament has already taken steps to ensure that any house that is let is fit for the tenant to live in. The fact that that is not the case is a condemnation of all of us for having allowed that situation to exist for far too long. I think most of the public would therefore say that of course we should put that basic problem right, and everyone in this House this morning should be here to support this very basic measure.
Homes (Fitness for Human Habitation and Liability for Housing Standards) Bill — House of Commons, 2018-01-19
Topic: Housing
Siobhain Ann McDonagh (Labour, Centre-left): I recently submitted a freedom of information request to local authorities in London to see how many people had pots of capital to do works if landlords did not do so. The stunning answer was just two, so our laws cannot be enforced at the moment.