Simon Hoare MP: speeches 2025

Speeches

• 26 Feb 2025 · Engagements · Hansard source

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  Q13. I hope the Prime Minister knows that when he travels to Washington to meet the former leader of the free world, he does so with the hopes and prayers of this House and the country; probably no more serious a meeting could be taking place. While the subject of Ukraine will clearly dominate, will he undertake to raise with President Trump the fact that Canada is a valued, respected and much-loved member of both NATO and our Commonwealth? This childish nonsense of a 51st state should be called out by the Prime Minister for what it is.

• 25 Feb 2025 · Defence and Security · Hansard source

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  Almost on that point, Mr Speaker, what an abdication of responsibility and duty it is that not a single member of the Reform party is able to ask a question of the Prime Minister this afternoon on these precious issues of defence and security. They are treated with a very different level of seriousness by Members on the Conservative and Government Benches. Many have asked the Prime Minister about the use of Russian frozen assets. Anybody who has studied the issue with regard to Libya will know just how complicated international law and convention has made the defrosting of frozen assets so that they can be put to proper use. In his discussions in Washington and with the other European leaders, can the Prime Minister press for urgent, collaborative and international reform of those rules, so that those frozen assets can be used to help the Ukrainians and their military to defeat Russian aggression?

• 24 Feb 2025 · Asylum Seekers: Hotels · Hansard source

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  I am afraid that determination will not quite cut it, will it? Pensioners in North Dorset who have been deprived of their winter fuel allowance and farmers who have been hit by and are now facing a massive tax burden will want to know how the Minister will reduce the cost of asylum hotels, which is, as she says, eye-wateringly high. The action and her words are not apparently matching.

• 24 Feb 2025 · Asylum Seekers: Hotels · Hansard source

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  14. What steps she is taking to reduce the number of people living in asylum hotels.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  I agree. I will certainly come on to what I am asking the Government to consider, but the hon. Gentleman is right to talk about social isolation. We have lost 14 banks in my constituency since 2015. In 440 square miles, we have five banks remaining. We have had a fall of 74%. Across the county of Dorset, which includes the major conurbations of Bournemouth, Christchurch and Poole, we have had a decrease of 68% overall, with 101 branches closed and only 48 remaining in the whole of the county. Eight parliamentary constituencies are served by just 48 banks. My constituent Deborah Jones made a good point in response to a recent announcement by Lloyds that it is closing its branch in Blandford Forum, a market town in my constituency with a large village hinterland. With the exception of Nationwide, it now has no proper, traditional high street branch.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  I agree absolutely. A more sensitive and refined definition of the hub-and-spoke model is also needed. If we look at the resident catchment of a market town, we can construct a compelling argument that a proposal for a hub does not stack up, but we must add in the thousands of people who live in the villages that look to it and are magnetised to it, and who will spend more money in those businesses, and the businesses themselves—not just individuals—who use those businesses.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  I will, but I just want to make the point that was well made by my constituent in her email. She is a customer of Lloyds in Blandford and she does online banking, but during the storm, her digital services were down. She needed to do some important banking and had no way of doing it. She asks how her 92-year-old mother-in-law, who no longer drives and does not use the internet or have a mobile phone, is to contact her bank. At the moment, she is taken into Blandford every Wednesday for shopping and can pop into the bank. What will she do? She is a very independent lady and not ready to hand over all her affairs to a family member just because they have internet access. A number of organisations have drawn attention to that issue, such as Age UK in 2023. But before I get to that, I give way to my right hon. Friend.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  Let me give way to the hon. Member for North Shropshire (Helen Morgan), then I will give way to my hon. Friend.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  The hon. Lady is right. The cynic might suggest that the opening hours were set in order to try to deliberately reduce footfall—possibly. That might be hugely cynical, and if it is, Madam Deputy Speaker, I will plead guilty as charged.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  I give way to the hon. Member for North Northumberland, which really is a rural area.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  The hon. Lady is absolutely right. Again, I hope that any of the banks or regulators who may listen in or read the report will understand that this is not an issue that divides by party; it affects constituents across the country irrespective of which party represents them in this place. The key point is to have a proper assessment of rurality and the differential of living in a rural area compared with an urban area. I commend the Government for their support for hubs, but they need to be more physical and robust in driving them forward. It is almost as if the banks are marking their own homework as to whether the argument in favour of a hub stacks up. As Sarah Coles of Hargreaves Lansdown commented a year or so ago: “The closure of bank branches is a vicious circle. The more that close, the more people move online”. Of course, by definition, the more people move online, the more that almost hollows out the argument to justify creating a hub. I understand that initially the banks were slightly reticent, just as the mobile phone operators were about shared masts—that somehow clients would be pinched and all the rest of it—but the hubs are a shared facility jointly financed by the banks. Those banks need to remember that they are still in business principally due to the good will of the British taxpayer and the Exchequer during the financial crash of 2008, who keep our banking sector afloat. They owe a little bit of payback, as a number of my constituents have been keen to point out. The hubs seem to work and fill that gap; but as I say, marking one’s own homework and setting the rubric to decide whether a hub will work is not right. The Treasury could take a more engaged and proactive leadership role on the matter.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  Who could refuse?

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  Let me give way to my hon. Friend from Surrey and then I will give way to the hon. Lady.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  The hon. Lady is right. She allows me to pause to pay tribute to the Post Office and to members of the Association of Convenience Stores, which have stepped in to provide some level of service in those areas where the banks have gone. That brings me to one of my key asks of the banks, and the Minister as well. Yet again, a rubric seems to be used to argue in favour of closures that is blind to whether it is an urban or a rural setting. That differential needs to be taken into account.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  The hon. Gentleman makes an interesting point. I think the trend has been pretty clear, and the goalposts have moved. From late 2008 or 2009 through to about 2015 or 2016, I think the Government could and should have been much tougher and more exacting, but we are where we are. I take his point and I understand it, but let us not let the delivery of the good be sacrificed in pursuit of the excellent, which seems unattainable. I think the trend in what the banks are doing is pretty well set, and it is probably irreversible. All sorts of things play into that. What I think is arrestable is the attitude of, “We will pull out even if we are the last branch open, and somebody else will pick up the slack”—principally the Post Office—or “We expect our customers to travel great distances to find a bank that is open and can help them.” That may require a number of visits in the case of something like an overdraft. That is where the idea of a hub comes in. I understand that we are due to have our first hub in Dorset at some point this year—in Sherborne, in the constituency of the hon. Member for West Dorset (Edward Morello)—but North Dorset needs one as well. I will certainly be campaigning for one in Blandford. I would value the support of the Treasury Bench to emphasise to the banks that they have a duty of care to their customers, and they cannot just cut them adrift and say, “Make your own way. Find an alternative. Beat a path to another branch. It is terribly inconvenient for you, but that is what we are telling you to do, because we have no social responsibility at all.” For the sake of our rural communities, economy and businesses, for charities and the farming community, and for a host of other people who want that personal interaction because they do not have access to the internet, or do not want to use online banking or an app and so on, there should be a bank teller, as we used to call them, from a bank, in a hub at set times, to help their customers. By so doing they will not damage our rural and market town economies as much as many of us fear, and as many hon. Members have attested to in this short debate.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  Let me make a little progress and I will give way first to my hon. Friend and then to the hon. Gentleman. At the heart of everything this place does, we must think about social inclusion and trying to deliver services that meet the needs of a wide range of our population. According to Age UK, four in 10 adults over the age of 65 do not bank online, and three quarters of those who are over 65 have expressed the very clear desire that they wish to bank in person. The over-80s, people with disabilities and those on low incomes disproportionately want physical facilities, and yet they are being denied them. As the Royal National Institute of Blind People points out, in my constituency alone there are, I think, 4,170 constituents who are either blind or partially sighted. They are unable to conduct banking online. Why are we excluding them from the personal management of their financial affairs?

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  We now have the enjoyable prospect of an Adjournment debate lasting an hour and a half, which I know will fill the Minister with joy. I can see the boyish smile on his face—he just cannot contain himself. I do not intend to take an hour and a half, although a number of colleagues from across the House have indicated that they wish to intervene. I am very pleased to have secured this debate. It is clear that our banking world is going through a period of transition. There are changes in technology; there is the move—some would say at too high a speed—towards a soon-to-be cashless society; and there is the cost of running branches, which includes insurance, business rates, staff costs and the like. I know full well that the closure of a high-street bank hits an area hard, whether the area is urban or rural. However, North Dorset is a rural constituency, and the thrust of my thesis is that the impact is felt disproportionately harder in rural communities than in an urban setting. Why do I say that? I do not believe that North Dorset is unique in how it operates. [ Interruption. ] Heckling from the cheap seats. Our market towns operate on a hub-and-spoke model: the market town grows, and the villages are magnetised towards it, which is good for businesses large and small across the sectors, as we all recognise. It is also good for community cohesion at a time when we are all rightly concerned about rural exclusion and isolation; it brings people together. Our rural areas, by accident rather than by design, contain a disproportionately high number of retired or elderly people.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  For a second time, of course.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  My right hon. Friend is absolutely right. When a bank closed in my constituency on an earlier occasion, I remember it telling me, “If customers need to talk to an actual person, they could use the branch in Poole.” I explained that that was right, but it would take two days out of the week, because those customers would have to get a bus to Poole, book a hotel, stay over and get the return bus the following day. It did sound a little bit nonsensical. I am therefore grateful to my right hon. Friend for underlining the point that I am seeking to make: there must be rural-proofing of the rubric for these decisions in the first instance and a better understanding of the geography of our rural areas as well as of the lack of public transport or other connectivity between the two places. It is easy—dare I say it—if one represents Ealing, where the Minister is from. There are plenty of buses and tubes, and heaven knows what else, that I have no doubt will take the people around Ealing. North Dorset does not have those things, and nor do many of our rural areas, but I just do not think that point is recognised by the banks.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  I agree entirely with my hon. Friend who represents Surrey and part of Hampshire. I would be happy for the Minister to write to me on this point if it is easier, but it strikes me that there is scope for a little bit of wiggle room with regard to the Financial Services and Markets Act 2023. The Act did not give the Financial Conduct Authority powers to reflect on and assess wider banking services. The Minister’s party, when in opposition, was very keen that it should do so. When my party was in government, for some unknown reason we resisted amendments to that effect, and Labour, then in opposition, did not push them to a Division. I just think that there is too gaping a lacuna in all of this, in that it is only access to cash that is assessed, and not access to banking services.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  I will, although the hon. Gentleman is neither retired nor elderly.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  I am grateful to my hon. Friend, because again she enhances and underlines the argument that I have been deploying, and for which colleagues across the House have been kind enough to add their support. I suppose my annoyance is that the people who write the policies, whether they are the regulators or those in the bank boardrooms, do not know what living in a rural area is like. If they are in the Square Mile, they are not part of a rural community. They may have a getaway weekend retreat that they dash off to in their personalised number-plated Land Rover or Range Rover, in which they take their food down from Waitrose, before coming back to London on the Sunday, but that is not living in a rural area. That is not running a business in a rural area.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  The hon. Gentleman is absolutely right. In many respects— [ Interruption. ] I am beginning to get paranoid; I hear voices. He is absolutely right to make the point that he does. I pay tribute to how the Post Office has stepped up. Very often, in providing that sort of transactional bank service, it has supported the continuance of rural post offices, which can often be marginal and fragile businesses themselves. Again, I think it an easy crutch to lean on to say, “Well, of course, the post office does this.” We can all applaud what post offices do, but customers cannot use them to talk to someone from their bank to discuss their overdraft, loan, mortgage, business credit card maximum or whatever it may happen to be. I say to the Minister that we want our local businesses and small and medium enterprises to flourish—small, micro and family-owned businesses are very much the hallmark of a rural economy—and they have the greatest need, on a more regular basis, for that relationship with their banks. Then, the banks know the nature of the business and its long-term viability, and they can build that relationship.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  I am grateful to my hon. Friend. His constituency, and indeed a lot of our coastal communities, will have that profile of constituents that is older and more settled, and they will want to see things delivered in the way that they are used to. That does not mean that they shun change completely, but they do have a legitimate expectation. Let me take the House briefly through the timeline narrative of justification, and then I will give way to the hon. Member for Middlesbrough South and East Cleveland (Luke Myer). You and I, Madam Deputy Speaker, as part of that great Tory intake of 2015—those were the days; it is nearly 10 years—will remember being told that there would never be a town without a bank.

• 24 Feb 2025 · Bank Closures: Rural Areas · Hansard source

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  I admire my right hon. Friend’s perseverance in ever trying to change the signatory on a charity bank account. People have died of boredom and exasperation trying to do it. A 60-year-old has to turn up with their great grandparents, their first cat and everything else to prove who they are. The fact that the bank has known them as a private customer for years seems to pass it by. I hope I have made my points to the Minister, but let me rehearse them very briefly in bullet point form. One concerns the rubric to defend a bank closure. The assessment of access to cash needs a rural dimension, and there needs to be a much more granular understanding of the hub-and-spoke geography of a rural economy, which is very different from an urban one. We need to move away pretty quickly from merely assessing as satisfactory access to cash as defined by access to an ATM. We need to turbocharge the delivery of hubs and bring pressure to bear on the banks, and there are a variety to do that. It can be carrot and stick, through tax and other policies, to try to nudge them to move at a faster pace. I hope, however, that the Government will take the lead on social inclusion for our rural areas, reflecting the fact that they have far more small, independent shops and businesses, and that the population is disproportionately older and/or retired and dealing with disabilities, infirmities, frailties and so on. Those things should be taken into account, and I remain to be convinced that they are. I think an opportunity exists to amend the Financial Services and Markets Act 2023 to give the FCA greater powers to look at wider banking services, not just cash. Our rural communities struggle. Our economies are fragile, and wages are usually lower than in urban counterparts. Another bank closure is not just another bank closure in a rural market town.