Daisy Cooper MP: speeches

Speeches

• 3 Jul 2025 · Women’s State Pension Age: Financial Redress · Hansard source

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  I, too, congratulate the hon. Member for Salford (Rebecca Long Bailey) on securing the debate, on campaigning on this issue, and on making sure that this debate came to the main Chamber. I thank all hon. Members for their contributions this afternoon. As well as hearing the very strong and powerful case around this particular issue, we have heard personal examples. Whether it is Gill from Tiverton, Ann from Newcastle, Helen from Seaford or Paula from Dewsbury, we have heard that many women rightly feel a sense of raw injustice, and the Government must act. I have met WASPI women many times in Parliament, but I have also met them in my constituency. A couple of years before I was elected, I met a group of 30 WASPI women. I regret that I cannot recall the name of the woman whose case I remember, but her circumstances stuck with me. She was quietly spoken, and I could tell that she had real rage and fury inside her, but she was not prepared to show it. She just said, “I’ve spent my entire life working. I’ve raised a family. I’ve watched the pennies, and I was proud to stand on my own two feet. But at the end of my working life, I felt robbed of my money and robbed of my dignity. Even though I know this situation is not of my making and not my fault, I feel a tremendous sense of shame.” That really stuck with me. Some 3.8 million women are affected by this issue, and many of them feel a sense of shame. They should not, but they do. It is really frustrating that the Government, notwithstanding the terrible inheritance that they received, have chosen to do nothing, and there are two problems facing them. The first is that an obvious injustice has been left unaddressed. The second is that, as so many Members from across the House have said, it sets a very dangerous precedent. For some women, an offer of an apology or a payment might be symbolic, but it is far more than that for many of them. It is about survival, and it would help them to get out of the struggle that they are now in. On behalf of my party, I urge the Government please to reflect after this debate, and to go back to the drawing board and think about what can be done. At the very least, they should think of something to help those women who are struggling the most. Doing nothing is really not an option. If the rebellion earlier this week was for any reason at all, it was to send a message to this Government that their own party, this House and the British public want a Government who will stand up for the underdog—those who are hard done by in life, by the Government and by circumstances out of their control. I hope the Government listen today and act, because to govern is to choose. The Government must know that it is not too late to make a different choice.

• 3 Jul 2025 · Women’s State Pension Age: Financial Redress · Hansard source

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  rose—

• 3 Jul 2025 · Women’s State Pension Age: Financial Redress · Hansard source

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  I am grateful to the Minister for giving way again. He will be aware that in other compensation schemes, there are often waves of compensation. The first wave of compensation can be on one indicator, with a second wave looking at other complicating factors. Have the Government looked at that model?

• 3 Jul 2025 · Women’s State Pension Age: Financial Redress · Hansard source

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  A few moments ago, the Minister said that the Government had concluded that it would not be appropriate to apply a flat rate to all 3.8 million women. Have the Government done any modelling on paying a flat rate to any other smaller cohorts within that 3.8 million women—for example, women on pension credit, or under a certain level of income or savings?

• 1 Jul 2025 · Topical Questions · Hansard source

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  More than 50% of local authorities are having to overspend on the dedicated schools grant to cover the rising costs of SEND services, and the increasing demand for inter-authority borrowing has pushed up interest rates. May I urge the Chancellor to consider, as a matter of urgency—even before the Government publish their White Paper on special educational needs and disabilities—introducing a concessionary interest rate, perhaps at the same level as the Public Works Loan Board rate, so that councils do not have to raise council tax just to serve their interest payments and can spend the money on frontline services instead?

• 1 Jul 2025 · Employer National Insurance Contributions · Hansard source

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  Non-profit businesses and charities have been hit really hard by the jobs tax. Last week, my local meals on wheels service told me that businesses like theirs around the country are having to make redundancies and put up prices for vulnerable people. In the context of today’s welfare reforms that the Government are pursuing, can the Chancellor confirm whether the Treasury will conduct any assessment of the increased cost of essential and charitable services relied on by disabled people and their carers at a time when their welfare support could be cut?

• 25 Jun 2025 · Access to Banking Hubs: Hertfordshire · Hansard source

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  It is a pleasure to serve under your chairship, Sir Desmond. I congratulate the hon. Member for South West Hertfordshire (Mr Mohindra) on securing his first debate, and securing such an important one. It is a pleasure for me to respond on behalf of the Liberal Democrats, and as a fellow Hertfordshire MP. I have been particularly struck by the number of contributions from colleagues who have highlighted just how important access to cash is for so many people, particularly older people, small businesses and people with disabilities. I know from my own experience supporting somebody who is learning disabled that, even in a physical bank, the design and signage can be incredibly confusing and put people off—let alone when banking online, even if they have the internet to do so. We would all welcome comments from the Minister about what more the Government can do to support people who are not digitally confident, and in areas where people are digitally excluded. We Liberal Democrats welcome the Government’s move to introduce more banking hubs and their promise to set up 350 banking hubs by 2029. We continue to call on the Government to do more to protect access to cash and face-to-face banking services. I know that the Government will shortly be introducing a national financial inclusion strategy, so I repeat the calls from my hon. Friend the Member for Mid Dunbartonshire (Susan Murray) and ask the Minister to confirm today whether that strategy will include measures to ensure that both the Financial Conduct Authority and Prudential Regulation Authority will be required to have regard to financial inclusion. I also ask the Minister whether the Government are able to guarantee that they will at least consider expanding the roll-out of banking hubs beyond the 350 target if they consider that that is needed. We Liberal Democrats welcome the changes made last September to the eligibility criteria, which previously excluded towns and villages with a building society, even if that building society did not provide business banking services. That change has enabled Liberal Democrat-led Harpenden town council to open a new banking hub in the town hall. I give credit to local resident and campaigner Derek French, who has been a real driving force in that constituency. I know that colleagues in the town, which is very near to St Albans, are working with the Post Office, Cash Access UK and other partners to find a permanent home for that well-used hub. I congratulate the town council and Derek French on driving that fantastic project forward. I understand the frustration of residents in Abbots Langley, which is not too far from St Albans, because residents there lost their last remaining bank, the Barclays branch, in 2021. I know that Liberal Democrat-run Three Rivers district council is keen to support the efforts of the hon. Member for South West Hertfordshire in his campaign to secure a banking hub in the village, and I would certainly encourage him to reach out to work on a cross-party basis, as we often do in Hertfordshire. Across Hertfordshire, my Liberal Democrat colleagues have been hugely supportive of the temporary banking hubs in Hatfield and Royston and are keen to make sure that those hubs get permanent homes. In St Albans, we are fortunate to still have a number of banks and building society branches on our main high street, but many businesses rely on the incredibly busy and conveniently located Crown post office branch on St Peter’s Street for banking and cash-handling services. As the Minister may know, Post Office Limited has been proceeding at pace with plans to sell off the Crown post office branches, and we have had confirmation that ours will soon be put out to franchise. Will the Minister make sure that Post Office Limited guarantees access to personal and business banking services on our high streets when the final Crown post office branches disappear in the coming months? The villages around St Albans—Colney Heath and London Colney, for example—also rely on their local post office branches for basic banking services and access to cash. Finally, many areas that do not have branches, banking hubs or post offices have to rely on ATMs for access to cash. We have heard from a number of Members during the debate that, for many communities, it is frustrating not to be able to access cash outside core hours—and, of course, many ATMs are inaccessible for disabled people. The Royal National Institute of Blind People reports that fewer than four in 10 ATMs have audio assistance, which is critical to enable their use by the blind and partially sighted, and often machines are out of reach for wheelchair users or those with other impaired mobility. Once again, I congratulate my constituency neighbour, the hon. Member for South West Hertfordshire, on securing this valuable debate. We can all agree that banking hubs are a lifeline in rural and semi-rural areas, essential to our high streets and vital to make banking inclusive for all.

• 25 Jun 2025 · Access to Banking Hubs: Hertfordshire · Hansard source

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  Derek French is a constituent in my neighbouring constituency of Harpenden and Berkhamsted —I just want to put that on the record. Harpenden very proudly defends its independence from St Albans and I do not want anybody to be inadvertently offended by my trying to secure some recognition from the Minister in the House, but I thank her for her congratulations.

• 25 Jun 2025 · Engagements · Hansard source

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  I associate myself and my party with the remarks of the Deputy Prime Minister in calling for de-escalation in the middle east, the release of hostages and urgent aid to get into Gaza. We Liberal Democrats oppose the Government’s cut to personal independence payments and carer’s allowance. With a growing rebellion on the Government Benches, the Government may be forced to push these cuts through with the support of the official Opposition. The Deputy Prime Minister knows that some of those affected are still waiting for justice after the carer’s allowance scandal saw thousands of innocent carers hounded for repayments. Can the Deputy Prime Minister give a cast-iron guarantee that if these cuts are pursued, at the very least, not a single person will lose a penny until the carer’s allowance scandal review has been completed and the recommendations have been implemented?

• 25 Jun 2025 · Engagements · Hansard source

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  It is disappointing that the Deputy Prime Minister could not give that cast-iron guarantee, but if the Government pursue the Bill next week, we will pursue this matter on behalf of carers. Given the reports that the Government are giving a green light to President Trump’s demands for a state visit to be brought forward to September, does the Deputy Prime Minister agree that the UK should urgently convene talks with the White House in advance of the visit in order to leverage it to secure US guarantees for Ukraine, including the use of frozen Russian assets, and to secure a joint UK-US message to Putin that together our two countries will not let him win his illegal war?

• 25 Jun 2025 · Draft Financial Services and Markets Act 2000 (Regulated Activities etc.) (Amendment) Order 2025 · Hansard source

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  We Liberal Democrats warmly welcome this statutory instrument, which will introduce long-overdue consumer protections. We particularly welcome the fact that buy now, pay later will fall under FCA regulation, as well as the fact that consumers will have access to the independent complaints system under the Financial Ombudsman Service. We are also delighted to see the introducing of affordability checks. All three of these measures are consistent with our own party policy, which we debated fiercely among our membership at our autumn conference last year. However, like the official Opposition, we are concerned about the proposed merchant exemptions. We know that merchants who provide credit directly will be outside the scope of this particular regime, and we know that respondents to the Government’s consultation raised concerns that exempting these merchant providers, where the provider of the goods and services is also the provider of the credit, could create an uneven playing field. My understanding is that the Government have committed to closely monitor the merchant-provided market for buy now, pay later, and to take action if there is evidence of consumer harm. Can the Minister set out how the Government intend to closely monitor the situation, and over what timeframe? I have a few other questions for the Minister. If he is not able to answer them, I would be very grateful if he were kind enough to write to me with the answers. First, will the Government also be putting rules in place to stop buy now, pay later firms from engaging in harmful or misleading advertising, and requiring them to make it clear that buy now, pay later is a form of credit? Could he clarify whether that is covered by this statutory instrument, or are further measures needed? Can the Government confirm whether buy now, pay later will be brought under the consumer duty rules for financial products, which require that key information is clearly set out and that products are designed to enable informed consumer decisions? Could the Minister also outline whether the FCA will have the powers to consider setting a centralised cap on late fees for buy now, pay later, to promote fair and consistent treatment across all the different platforms? On two slightly separate but related issues, do the Government have any broader plans to improve awareness of debt relief orders, and to seek ways to expand access to the scheme? We know that there are around 3.7 million UK adults in debt who are unaware that they can seek help through those debt relief orders. More broadly, do the Government have any plans during this Parliament to look at widening access to low-interest credit, such as through community banks, which would be a completely alternative source, so that people would not have to use buy now, pay later mechanisms in the first place?

• 24 Jun 2025 · VAT Registration Threshold: SMEs · Hansard source

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  It is a pleasure to serve under your chairship, Mr Vickers. I congratulate the hon. Member for Mid Leicestershire (Mr Bedford) on securing this important debate. It is a pleasure to wind up on behalf of the Liberal Democrats. As we have heard from a number of colleagues, small and medium-sized enterprises are the heartbeat of our local economies. It is not just that they are the engine of growth: they have enormous social impact too. Whether it is the physios or beauty technicians who travel to people’s homes, sometimes to visit older people who are less mobile and cannot get out, or market traders selling the wares they have made at home, sole traders and small businesses bring real vibrancy to our local economies, and we must do everything we can to support them. I am proud that the Liberal Democrats have tabled various amendments to Government legislation to call for impact assessments on measures that affect small businesses, including the changes to national insurance contributions, the Employment Rights Bill and the business rates changes. The jobs tax will hit small businesses particularly hard. The change in the threshold as well as the rates particularly gets small businesses. The Government’s proposals on business rates will be very difficult for small businesses. It is not just about the changes this year, with the bills going up; next year, under the Government’s proposals, small independent businesses will effectively subside the larger chains. I say with some affection to the hon. Member for Strangford (Jim Shannon) that although he wishes he had the same Brexit as everyone else, he should be careful what he wishes for. I am sure he will know from Liberal Democrat research that since the Conservatives botched the Brexit deal small businesses have had to complete 2 billion extra pieces of paperwork thanks to Brexit red tape—enough to wrap around the world 15 times. I am sure none of us want to see additional red tape for small businesses and sole traders. We have heard compelling arguments that the Government should at the very least look at the VAT regime. Do they have any plans to change it or review the threshold? We Liberal Democrats would welcome a review and would be keen to see any impact assessment that the Government might commission. There have been compelling arguments about simplifying the system. From what colleagues across the House have said, we know that the current threshold deters sole traders and others from earning more, which is really bad for growth. Many people want to avoid the complicated form-filling, and I hear from my constituents that they also want to avoid the misery of sitting on the phone trying to get through to HMRC. We have all heard horror stories of people calling time and time again, only to have their calls cut off, unable to get through or get the advice they need. Will the Minister give an update on what is happening in HMRC to provide additional support for small businesses in particular? We know that those who are incredibly wealthy have a direct line to HMRC, but our small businesses—the engines of growth—often struggle to get the advice they need. We urge the Government to simplify the VAT regime, and there are companies with proposals on how to do that. One quick example, which is slightly different from today’s topic, is that Amazon is working with HMRC to discuss cracking down on resellers, to tackle VAT tax avoidance by shell companies and avoid the situation many people experience when they order something from an online marketplace and either it is not very good quality when it arrives or it does not arrive at all. Conversations are happening about how to simplify the process for legitimate sellers on platforms. If there are big-eyed companies out there with ideas on how to simplify the VAT registration system, I very much hope the Government will take them up and roll them out not just to those who sell online but to those who sell in our communities. Finally, the Minister will have heard over several months from colleagues across the House that small businesses are very different, and that one size does not fit all. Small businesses struggle with the paperwork, and do not have the lawyers or HR departments that larger businesses have, so I urge the Minister to consider proposals for a small business one-stop shop, to make sure that small businesses across the land receive the advice they desperately need.

• 20 Jun 2025 · Terminally Ill Adults (End of Life) Bill · Hansard source

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  Every medical college has retained a neutral position. By my count— [ Interruption. ] I will go on. By my count, two or three medical colleges have said expressly that they welcome specific amendments to the Bill, and all MPs will have received the letter from senior psychiatrists, who include a former president of the college, who said: “We believe the draft legislation is workable, safe and compassionate.” A number of safeguards have been included in the Bill. Does the right hon. Gentleman recognise that additional safeguards have been included and have been welcomed by various royal colleges?

• 20 Jun 2025 · Terminally Ill Adults (End of Life) Bill · Hansard source

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  Will the right hon. Gentleman give way on that point?

• 20 Jun 2025 · Terminally Ill Adults (End of Life) Bill · Hansard source

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  On that point, will the hon. Gentleman give way?

• 20 Jun 2025 · Terminally Ill Adults (End of Life) Bill · Hansard source

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  Will my hon. Friend give way?

• 20 Jun 2025 · Terminally Ill Adults (End of Life) Bill · Hansard source

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  Will my hon. Friend give way?

• 18 Jun 2025 · Engagements · Hansard source

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  On behalf of my party, may I associate myself with the Deputy Prime Minister’s remarks about the Air India crash? In a week that we remember the murder of Jo Cox and David Amess, our party’s thoughts are with their friends and families and all those in this House who lost their beloved friends. We also remember those who died in the Grenfell tragedy. In 2003, we Liberal Democrats were incredibly proud to lead the campaign against the Iraq war—a war in which the UK blindly followed the US in a move that was not backed by the United Nations. In light of reports that President Trump is seriously considering joining the war between Israel and Iran, launching a US strike against Iran’s nuclear facilities, can the Deputy Prime Minister confirm that if President Trump does take such action, today’s Labour Government will not blindly follow the US into war again?

• 18 Jun 2025 · Engagements · Hansard source

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  I am grateful to the Deputy Prime Minister. We support those efforts. Today, the Government are set to unveil their plans to cut personal independence payments and carer’s allowance, a prospect that one of my constituents described as “terrifying”. Liberal Democrat analysis of the Government’s own data suggests that 1.3 million disabled people are at risk of losing some support. Can the Deputy Prime Minister honestly say, hand on heart, that that is the change that 1 million disabled people and their carers were promised?

• 11 Jun 2025 · Spending Review 2025 · Hansard source

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  indicated dissent .

• 11 Jun 2025 · Spending Review 2025 · Hansard source

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  It has been almost a year since Labour swept to power with the promise of change, but we are still not seeing the scale of ambition needed to turn the country around. We welcome the announcement of investment in the NHS, but it will not work unless the Government invest in social care too. We welcome the investment in infrastructure, but it will not work unless the Government invest in skilling up the workforce that we need to build it. Cutting billions in real terms from departmental budgets seems unnecessary when the Government could instead go for growth and get a much deeper trading relationship with Europe—a move that could raise an extra £25 billion a year for the public purse. As long as the Government fail to truly tackle the red tape and trading barriers blocking British businesses, the Government’s grip on economic growth is more akin to a handbrake than an accelerator. The last Conservative Government left our NHS on its knees. On their watch, waiting lists were soaring, hospitals were crumbling and our high street healthcare was hollowed out. Can the Chancellor confirm that this funding will deliver the extra 8,000 GPs needed to guarantee everyone an appointment within seven days, or within 24 hours if the matter is urgent? Can she confirm that this funding will bring dentists back into the NHS and put an end to dental deserts? Will she promise that this funding will mean that every cancer patient starts treatment within 62 days? Will she promise that the Government will meet the Prime Minister’s own pledge for 92% of routine operations to take place within 18 weeks? Will she and the Health Secretary—they are sitting side by side—set up a crumbling hospitals taskforce to look at creative funding ideas, bring construction dates forward and put an end to the vicious cycle and false economies of delayed rebuilds leading to rising repair costs, as we saw under the previous Government? Then, of course, there is the elephant in the NHS waiting room: the crisis in our social care services. The Chancellor knows, the Health and Social Care Secretary knows, this whole Parliament knows: today’s investment in the NHS will be like pouring water into a leaky bucket if hospitals cannot discharge patients who are well enough to leave because there are no care workers to help them recover at home. The fair pay agreement that the Chancellor talked about is of course welcome, but it is barely a baby step, and it is nowhere near enough to bring social care back from the brink. At a bare minimum, we need a higher minimum wage for our care workers to stop the sector haemorrhaging staff to other sectors. When will the Chancellor finally recognise that we will never fix the NHS if we do not fix social care too? Will the Government finally act with urgency by committing to conclude the social care review by the end of this year, not in three years’ time? On housing, we warmly welcome the Government’s investment in social homes. Will they now commit to the Liberal Democrats’ target of building 150,000 social homes every year? Other public services are crying out for investment, too. Our communities need proper neighbourhood policing to feel safe, our farmers need fair support payments to keep putting food on our tables, and people of all ages deserve access to training and skills to build their future and to power our economy forward. That is why it is so disappointing that the Chancellor has today made things so difficult for our public services by cutting unprotected budgets by billions. Yes, we know she was faced with the fallout from the most reckless, out-of-touch Conservative Government in recent memory, but being responsible is not just about making tough decisions; it is about having the moral courage to make the right ones. Yet this Government seem determined not to adopt the one policy that could put rocket boosters on our economy and raise billions for our public services: a proper trade deal with Europe. A new, bespoke customs union with the European Union could boost our GDP by more than 2.2%, securing additional revenue to the tune of £25 billion a year—a huge boost to businesses and our struggling public services. If the Chancellor can U-turn on the winter fuel payment thanks to a skinny EU trade pact worth just 0.2% in extra GDP, just imagine how many more U-turns she could perform with a proper trade deal worth ten times as much. We Liberal Democrats strongly support the allocation of 2.5% of GDP on defence, but we want Ministers to go further and faster to bolster our national security in today’s uncertain world. Will the Chancellor agree to cross-party talks in which we can work together to set a pathway to 3% of GDP well ahead of 2034? Will the Government use some of today’s investment to reverse the Conservatives’ irresponsible cut of 10,000 troops? Will she ensure that investing in our national security becomes a lever for economic growth, putting much greater emphasis on British steel producers and SMEs as we scale-up our defences, and ensuring that British start-ups can use defence innovation for the public good? Before I conclude, I must thank the Chancellor for finally completing the world’s slowest U-turn, on the unfair winter fuel payment cut. Now that she has U-turned, will she do the right thing and backdate the payment for all those who lost out on support last winter but who are now eligible under the new rules? And now that she has U-turned once, will she make it a hat trick and also change course on the PIP and carer’s allowance cuts? Perhaps she might even look again at the growth-crushing jobs tax and the other changes affecting our high streets, small businesses and family businesses, and consider instead the fairer ways of raising the same amount of revenue that we Liberal Democrats have set out time and again: asking the big banks, social media giants and online gambling companies to start paying their fair share of tax. After years of chaos and incompetence under the last Conservative Government, this was a unique opportunity to draw a line under the social care crisis, squeezed budgets and sluggish economic growth. I strongly urge the Chancellor to ignore those who talk down Britain’s economic potential, to rip up the red tape holding British business back, and to strike a properly ambitious trade deal with Europe that will turbocharge our economy and bring in billions to rebuild our public services. The Government say that their No. 1 mission is growth. That is the way to deliver it.

• 10 Jun 2025 · Mother and Baby Institutions Payment Scheme: Capital Disregard · Hansard source

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  This is an absolute travesty; we have heard of this situation time and time again, with many different examples. I personally pay tribute to Philomena—my constituent—and to her daughter Jane and her grandson Josh, who are here today, for their courage in speaking about their story. I repeat my congratulations to the hon. Member for Beckenham and Penge (Liam Conlon) on securing this debate and on leading the charge in this House. Many organisations have been campaigning on this issue, and I hope that the Minister will deliver good news today and also convey a sense of urgency. We can hear from the speeches in this debate the jarring gap between the profound sense of wrong that happened on the one hand and the “Computer says no” system on the other. I hope sincerely that the Government recognise that gap, come to the right conclusion and respond with urgency and with compassion. That is the very least that the affected women, their families and their descendants deserve.

• 10 Jun 2025 · Mother and Baby Institutions Payment Scheme: Capital Disregard · Hansard source

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  An honour.

• 10 Jun 2025 · Mother and Baby Institutions Payment Scheme: Capital Disregard · Hansard source

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  It is not unusual in this House for Ministers to say that things are actively under consideration. In a previous Parliament, I have been in this room when Ministers have said that repeatedly. If it is under active consideration, can the Minister please say when that might conclude? Is he in a position to give us a deadline today, or is he able instead to write to every Member that has contributed to this debate within the next 14 days with a deadline?

• 10 Jun 2025 · Mother and Baby Institutions Payment Scheme: Capital Disregard · Hansard source

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  I know that the Minister is just about to respond to the fact that we have heard powerful testimony. I understand that he is not in a position to set out any deadlines today, so I implore him to make a different commitment. Will he please commit today, in front of the many people who have joined us, to use his good offices to facilitate a meeting between our constituents who are affected by this issue and the relevant Minister, so that they can speak directly to those in power who may be in a position to make decisions in due course? Will he please commit to doing everything he can to ensure that our constituents have their voices heard by those at the top?