Susan Murray MP: speeches

Speeches

• 30 Jun 2026 · High Street Regeneration and Unlawful Storefronts · Hansard source

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  It is a pleasure to serve under your chairship, Ms Vaz. I thank the hon. Member for Bromsgrove (Bradley Thomas) for securing this debate. Local businesses are the heart and soul of our communities. The independent café, the family butcher and the local hardware shop create jobs, pay taxes and invest in our communities. They are the reason people feel proud of where they come from.

• 30 Jun 2026 · High Street Regeneration and Unlawful Storefronts · Hansard source

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  I absolutely agree with my hon. Friend on business rates. I have heard repeatedly from businesses in Mid Dunbartonshire that they are unable to afford to hire young people and give them their first experience of work, or that they have had to cut their hours due to rising costs. At the same time that they are being hit by rising costs and static VAT thresholds, they are competing with online giants that pay a fraction of the tax they pay. Amazon’s five main UK companies paid just 7.1% corporation tax last year, while our main high street businesses are expected to pay 25%. The Government have the ability to put us on a different path by cutting VAT for hospitality and attractions. Our cafés and restaurants are the beating heart of the high street. They bring footfall, they create atmosphere, they give people a reason to go to town centres, and they create community. A great example of this is the Bookmonger at Bearsden Cross, which celebrates its first birthday on 11 July. Aside from transforming the Cross with a new, fresh business idea, Caitlyn, who owns the business, is a cancer survivor who raises a lot of money for the Beatson cancer centre in Glasgow, and I hope that this business can also survive. The Government should close loopholes that allow online giants to pay a fraction of the tax that our high street traders pay in full. We cannot ask local businesses to compete with not only the economies of scale that those conglomerates bring, but a tax system rigged to punish those who play by the rules. The sad truth is that the soul of our town centres is being slowly eroded: businesses are taxed into administration, their customers have moved online and our favourite shops are slowly replaced by the neon signs of vape shops and barbers. The Government have a choice to back our local businesses.

• 30 Jun 2026 · High Street Regeneration and Unlawful Storefronts · Hansard source

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  I absolutely agree with my hon. Friend that we need more powers to make sure that the playing field is fair for local businesses in our town centres. Finally, I ask the Government not to continue loading costs on businesses that hold our town centres together. I ask them to review business rates, cut VAT for hospitality, level the playing field on corporation tax and back the businesses that make us proud of where we come from.

• 25 Jun 2026 · Neuropsychiatric Conditions: PANS and PANDAS · Hansard source

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  I am grateful to my hon. Friend the Member for North East Fife (Wendy Chamberlain) for securing this debate, and for all her work to raise the profile of these childhood conditions. I also thank the Backbench Business Committee for selecting this topic for debate. As she said, my hon. Friend first raised PANS/PANDAS in this House more than three years ago and has pushed for change ever since. Indeed, I was pleased to meet the impressive PANS PANDAS UK youth board on their visit to Parliament. For families, the onset of PANS/PANDAS is often sudden and deeply distressing. A child who was well one week can, the next, be gripped by anxiety, tics or obsessive behaviours. What follows is too often not treatment, but a search from GP to specialist and back again for someone who can provide a diagnosis. Almost three years ago, my hon. Friend asked the Government for a small number of reasonable things. I am sorry to say that families still have not seen the change that they are entitled to expect, but I hope that what we heard earlier means that it will be coming soon. The Department of Health and Social Care has said that it does not hold data on how many children are affected, and NICE has not yet produced guidance, after concluding there was insufficient evidence to produce useful guidance. Clinicians are still left without a clear national pathway to follow, even if they are aware of the conditions. The result, as we have heard, is a postcode lottery. A survey for PANS PANDAS UK found that just 2% of families said their GP even considered PANS/PANDAS as a possibility for their child’s symptoms. Families who can pay go private to see specialists; children whose families cannot pay, lose their childhood, miss school and fail to thrive. Such delays are not administrative inconveniences; they are a risk to children’s lives. According to PANS PANDAS UK, 43% of parents say that their child has talked about taking their own life, and 61% say that their child has expressed a desire to no longer be here. These are young children, made desperately unwell by a treatable condition, yet they are waiting months or years for someone simply to recognise what is wrong. There are two mothers in the Gallery today, one from my constituency of Mid Dunbartonshire, and one from just next door. Both have been forced to spend significant sums of their own money on diagnoses and treatment, including travelling down to London to see specialists in private clinics. As we have heard, that is not unusual. Nearly a third of affected families report a financial impact of more than £50,000, and one in eight report an impact of more than £100,000, simply to get their child diagnosed and treated. We have a system in which a recognised diagnosis is reserved for those who can afford to pay for it, and those who cannot are often left behind. Two weeks ago, my Liberal Democrat colleague Adam Harley MSP, who represents many of the same families that I do, raised one of the cases with the First Minister in the Scottish Parliament and called for properly recognised NHS guidance. Health is a devolved matter, but families across Scotland face the same barriers as families anywhere else in the UK, and they frequently end up in England to access treatment. Has the Minister had any discussions with the Scottish Government on taking a unified approach to tackling the issue? Given that we are expecting clinical guidance to be released in August, I am sure that families in Scotland would greatly appreciate co-operation between the Governments in Holyrood and Westminster to help bring the postcode lottery they currently face to an end. PANS/PANDAS are treatable conditions, and children can get their childhood back. To make that happen, I urge the Government to help plug the current gaps in evidence and knowledge around these conditions, including the number of children affected, through supporting research. The Liberal Democrats have called for an increase in research and development spending to 3.5% of GDP to help drive British research, to develop a greater understanding of conditions like PANS/PANDAS, and to evidence the efficacy of available treatment. An effective treatment can change a child’s life—children like Isa and Hugo—for as little as £9. Effective diagnosis and treatment will save the NHS money. Our NHS was founded on the idea that it would treat according to need, not ability to pay. Sadly, in the case of children with PANS/PANDAS, too often that principle is not being upheld. Families simply trying to find treatment for their children are being failed and we must rectify that, wherever in the UK they live.

• 17 Jun 2026 · Job Creation · Hansard source

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  I have repeatedly asked the Government to publish their assessment of Scotland’s nuclear potential, without success. Perhaps the Minister can help me in the meantime. What does she regard as the greatest benefit of the Wylfa site in Wales: the long-term, skilled jobs, the local investment that it draws in, or the contribution to our energy security? Does she believe that Scotland would be able to share in the same benefits?

• 10 Jun 2026 · Economic Growth · Hansard source

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  The Government have pledged major investment in Scotland, which I welcome, but too many Scottish high streets are still being hollowed out by Labour’s job tax hikes while illegal vape shops, mini-marts and barbers thrive. Following yesterday’s announcement for England, does the Secretary of State have any plans to hold discussions with the Scottish Government about increasing steps to tackle this issue and bring life back into our town centres?

• 18 May 2026 · Backing Business to Create Economic Growth · Hansard source

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  In 1603, Britain saw the Union of the Crowns. That moment began a journey that would lead to the Acts of Union and the growth of not only our modern democracy but the most powerful economic and industrial force that the world has ever seen. This story was not written by one nation alone; it was a political union of nations enabled by the sharing of skills and resources from every corner of these islands to build something far bigger than anything that could have been achieved individually, with each nation bringing its strengths and each nation benefiting from the strengths of the others. The benefits of the Union are clear and the ties run deep, but if we are to make that case properly, we must be honest about what has gone wrong. As a Scottish Member of Parliament, I speak to too many business owners in Scotland who do not feel supported—too many who feel squeezed, taxed and ignored. Both their Governments have made poor choices. In Holyrood, the Scottish National party has chosen campaigning for independence over economic delivery. It has pulled funding from specialist technical facilities that could have created hundreds of jobs, and refused to back new nuclear, despite Scotland’s engineering heritage and energy expertise. After 20 years of SNP government in Scotland, businesses do not need another referendum. They need stability for investment and growth. In Westminster, Labour’s jobs tax has made it more expensive to employ people and more expensive for firms to expand. Higher running costs mean higher prices for working people, and fewer job opportunities for part-time workers and for young people, at a time when the level of youth unemployment is nearly 16%. Inheritance tax changes have introduced a survival risk for family businesses in the UK, opening them up to hostile takeovers. Businesses need Labour to acknowledge that more than 80% of jobs are in the private sector, in small and medium-sized enterprises, and that increasing taxes on those jobs is not a recipe for growth but, all too often, the death knell for local jobs. In Scotland, recent elections should have been a clear sign for both Labour and the SNP. Only 14% of Scots said that independence was one of the most important issues facing the country, while 63% said that the cost of living was one of the top issues deciding their vote. As a result, 56% of Scottish votes went to unionist parties, a clear sign that people want stability and not another referendum. The English council elections told a similar story of voters looking beyond old two-party habits and desperate for change. It is clear that our current voting system in Westminster is part of the problem. Too often, seats in Parliament do not reflect what people voted for. A fairer, proportional voting system, which Liberal Democrats want to see, would make politicians listen more and would encourage collaboration. It would mean fewer sudden swings from one extreme to another, and a steadier environment for businesses to invest and grow. Although this House may be the mother of Parliaments, that does not mean that it cannot change with the times. Britain has so much potential, and we must be ambitious. Too often we have been too timid, too bureaucratic and too concerned with political differences. I urge everyone here today—everyone who is left—to come together and push for what is best for people in every corner of the UK. While we may need compromise to find agreement, it is the job of every Member of this House to ensure that the UK is at the forefront of change that benefits all our constituents and celebrates our diversity and tolerance.

• 16 Apr 2026 · Housing Needs: Young People · Hansard source

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  I absolutely agree, and I would add that the Scottish Liberal Democrats are also contributing to the push for additional affordable housing in Scotland. The ONS also found that a median-priced home was affordable to the highest-income 40% of households in Scotland and Wales, while in England it was affordable only to the top 10%. That means that even in the most affordable nation, the average house price is now more than banks are willing to lend to someone on an average salary. Can the Minister tell us what discussions the Government have had with the Financial Conduct Authority about its ongoing mortgage rule review and whether it will publish an assessment of how any changes would affect the under-35s? Any changes must not make the situation worse. Lack of access to affordable homes causes the decline of communities and the widening of wealth gaps. If people can rely on family wealth, or perhaps family sacrifice, to access the property market, they have an enormous headstart on their peers. With that in mind, can the Minister explain what assessment has been made of whether the Government’s first-time buyer support schemes, such as help to buy ISAs, are genuinely reaching young people on ordinary incomes, rather than those who already have family who can help them out? The consequences of this issue, as we have heard, go beyond housing. When young people cannot afford to live near work, talent leaves and our best and brightest look for opportunities overseas. When high rents dominate young people’s finances, local businesses suffer and third spaces die out. The economic impact of the financial stranglehold that housing has on our youth hurts us all. The Minister must recognise that housing and security are now affecting not only where young people live but whether they feel able to start a family. I want to make something clear for those who misrepresent the struggles of young people trying to get on the property ladder: young people are not asking for handouts or special favours, and the reason that they cannot buy a home is not their lifestyle. They are asking for a fair chance—the chance to build a life of their own. It is a chance that previous generations have had. This Government have an enormous majority and, if used properly, the opportunity to give young people real hope. I urge the Government to listen to and work with young people to give them the future that they deserve.

• 16 Apr 2026 · NHS Federated Data Platform · Hansard source

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  My hon. Friend is making some important points. Just yesterday, I highlighted the Scottish Government’s decision to buy Chinese buses, which come with a serious security risk. It would be wrong of me not to do the same when the UK Government take the same risks. We have some of the finest minds in the world here in the UK, but too frequently, we lose them to foreign firms that are out of our control. Does my hon. Friend agree that we should be developing Britain’s skills base here, and that whether it be buses or AI, we should be putting British jobs and British security first?

• 15 Apr 2026 · Economic Growth · Hansard source

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  The SNP is willing to support the Chinese economy by buying buses from China that raise serious security concerns, but when it comes to supporting defence jobs at the British-owned Rolls-Royce site in Glasgow, it pulled the funding. Does the Secretary of State agree with me that the SNP is failing Scotland both on jobs and on security?

• 24 Mar 2026 · Oil and Gas · Hansard source

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  Does the hon. Lady agree that UK production in the North sea can never put us in a position like Norway, because Margaret Thatcher gave away our oil industry to private companies and we have no sovereign fund?

• 19 Mar 2026 · Business of the House · Hansard source

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  The development of the nuclear site at Wylfa in Wales is set to bring thousands of jobs and revitalise the local community. A similar site near my constituency would play an enormous role in the shift away from oil and gas towards energy independence and bringing costs down. Will the Leader of the House ask the Minister for Energy to meet me to discuss Great British Energy Nuclear’s assessment of Scotland’s nuclear opportunity?

• 4 Mar 2026 · Energy Security and Net Zero: Scotland · Hansard source

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  I absolutely agree. Although I am focusing on Scotland, it is Scotland as part of the UK and not Scotland alone. We want to make sure that we do not lose the skilled labour that is vital to a successful transition, because we would then have to pay more later to import the labour and expertise that we should have retained to do the work. I want to be clear about a point that is often overlooked or used by those with a vested interest against renewables: the UK will need oil and gas for the foreseeable future, even as we decarbonise. In that context, and to secure our own energy security, we should meet as much of the demand for hydrocarbons as possible from a secure, well-regulated domestic supply, rather than simply importing more and losing or exporting jobs. Importing more does not stop consumption; it simply shifts production elsewhere, often to jurisdictions with lower standards and higher geopolitical risk. Domestic supply, properly regulated, can be the safer bridge while we build out our new low-carbon system at scale and ensure security of supply. Will Ministers pull together existing work into a single transition pathway that links North sea decisions to a workforce plan, covering skills mapping, retraining and support where needed? If we want a managed transition, we also have to be honest about the urgency of the whole-system needs of a clean grid. A net zero system is essential—Scotland shows that it is possible, and it should be the goal—but a renewables-heavy system needs predictable, low-carbon power alongside renewables, storage and interconnection. That is why I support nuclear, and why small modular reactors should be part of the plan to achieve net zero in Scotland. The SNP Government’s position is that they do not support building new nuclear power plants in Scotland under current technologies. Meanwhile, the UK Government have confirmed Wylfa in Wales as the site for the UK’s first small modular reactor. The risk is obvious that Scotland will end up hosting more of the infrastructure footprint of the transition but without the benefits, while other parts of the UK will capture more of the firm power investment and the supply chain jobs. In Scotland, the devolution framework really matters. Nuclear market frameworks and regulations are reserved, while planning and community impacts, along with local skills delivery and many aspects of economic development, are devolved. This cannot work without co-ordination. Will Ministers request UK-Scottish Government talks on Scotland’s nuclear policy, with SMRs explicitly on the agenda, to highlight the positive economic benefit for Scotland, and to push for equal access to jobs and development across the UK? Scotland hosts major clean power generation and transmission infrastructure, but fairness must follow that footprint.

• 4 Mar 2026 · Energy Security and Net Zero: Scotland · Hansard source

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  I thank the hon. Member for his intervention, which I absolutely agree with. As I have just said, this is something that needs to be looked at, and there is an opportunity to make sure that communities all across the UK benefit from the power generation that they have to live with locally every day. Will Ministers commit to introducing a consistent community benefit and community energy framework for major low-carbon infrastructure, so that host communities—especially in rural and off-gas-grid areas—share in any long-term benefits? Beyond the initial generation of power, we forget about the grid. None of our ambitions on net zero or energy security will be met if we cannot move the power that we generate around the UK. We must fix the grid; we must stop paying to waste clean energy. We have built the infrastructure to generate power faster than we have built the network to connect and transport it. The result is that bill payers are burdened with the cost of electricity that they cannot use and that cannot be brought to them. The National Energy System Operator’s annual balancing costs report sets out the scale of the problem. It reports that grid constraint costs increased by 64% in 2024-25, totalling £1.7 billion. The total energy lost to that failure was 13.5 TWh, which is nearly as much as Scotland sent to England. This is not a theoretical cost; it is money that households and businesses pay because the network cannot always carry the clean power that is available. Will Ministers pledge to accelerate grid development and to drive connections reform at pace and with clear milestones, so that we stop paying for unused electricity and improve resilience, particularly for rural and remote communities? The grid is not just an infrastructure issue; it is an opportunity to redevelop our industrial heartlands. If Scotland is powering the transition, Scotland should also help to build it. Scotland has a proven history in heavy engineering and industrial delivery, with ports, fabrication, and a supply chain shaped by decades of offshore work. The transition should not become a story of “import the kit, export the jobs”.

• 4 Mar 2026 · Energy Security and Net Zero: Scotland · Hansard source

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  The Liberal Democrats are keen that we move to a source of green energy. We are calling for the energy profits levy to be looked at again, as it was introduced as a windfall tax in particular circumstances, when there were very high profits.

• 4 Mar 2026 · Energy Security and Net Zero: Scotland · Hansard source

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  I beg to move, That this House has considered Scotland’s contribution to energy security and net zero. It is a pleasure to serve under your chairship, Dr Huq, and a privilege to lead this debate on a matter that will have such an impact on Scotland’s economy, our cost of living and our national security. Let me be clear at the outset that Scotland plays a disproportionate role in keeping the lights on across Great Britain, and it is leading the way in the shift to clean power. The evidence is clear: the House of Commons Library noted that in 2024, clean power made up 90% of the generation in Scotland. The Department for Energy Security and Net Zero has published figures showing that Scotland produces significantly more energy than it consumes, and that it transferred 17 TWh of excess energy to England in 2024. In terms that we can all understand, that is enough energy to power every home in London for two years. That production benefits us all—it supports energy security, making us resilient to international events, and helps to decarbonise the grid for everyone—but there is a problem that we cannot ignore: despite that enormous contribution, too often Scots do not see a fair share of the benefits in good jobs, local investment or lower bills. The case that I want to make today is simple: Scotland is delivering, so the UK’s policy and delivery machine must now match that pace with fairness, infrastructure and security. The North sea is the place to start. The Scottish Affairs Committee set out the stark reality: in 2024, oil and gas production reached a 21st-century low—about 75% below the 1999 peak. Decline is not an abstract theory; it is measurable across Scotland. The workforce impact is already significant. The Library notes that there were 121,000 direct and indirect jobs supported by the oil and gas industry in 2023—a 51% fall compared with 2014. If workers leave before the clean energy pipeline reaches its potential, we will lose the skilled labour that is vital to a successful transition.

• 25 Feb 2026 · Relations with Scottish Government · Hansard source

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  Transport in Scotland is devolved, but Labour’s new electric vehicle tax is not. Scotland is home to the largest constituencies by area in the UK. This will mean that many rural Scots, who already pay more for electricity at home, will pay more tax despite having less access to charging infrastructure. Can the Secretary of State say what discussions have been had with the Scottish Government on the impact of this tax and whether the Government will work with the Scottish Government to improve charging access and create a mandatory community benefit scheme for those who see the turbines of the green revolution from their windows, but not a fair reflection in their bills?

• 24 Feb 2026 · Online Harm: Child Protection · Hansard source

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  We have all learned that if an online service is free, we are the product. That is the business model used by the social media giants. They track what we watch, what we click, what we like and what we fear. They then build detailed profiles of our behaviour and they turn that behaviour into data and advertising revenue. These platforms do not just host content; they actively shape what we see. They promote material, target adverts and keep users online for as long as possible because the longer we stay, the more money they make, and that is where the problem lies. The algorithms used by social media giants are designed for engagement, not wellbeing. They feed on outrage, division and shock to keep us scrolling. Users are pushed towards more extreme content, not because it is true and not because it is healthy, but because it is profitable. We can see the consequences in the real world. Young people in particular are vulnerable to these pipelines of harmful content. Misogynistic and extremist figures, including Andrew Tate, rise to prominence through social media ecosystems that reward provocation and repetition. What starts as healthy curiosity or pushing the boundaries in young people can quickly lead to radicalisation. Given the serious harms caused by under-regulated social media, we have a responsibility to act quickly in a defined timeline to protect children and young people.

• 12 Feb 2026 · Business of the House · Hansard source

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  Retired civil servants in my constituency and across the UK are being offered interest-free loans after serious delays to pension payments following the transfer of their pension scheme administration to Capita in December 2025. Will the Leader of the House grant time for a debate on the administration of the civil service pension scheme, including the impact of the McCloud judgment and the current backlog?

• 5 Feb 2026 · Business of the House · Hansard source

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  On 11 September last year, I stood in this House to request time for a debate on the Nolan principles of selflessness, integrity, objectivity, accountability, openness, honesty and leadership. In the light of the serious concern arising from the release of the Epstein files, the links to the retired Lord Mandelson and the current Government’s knowledge of those links, I am once again here to ask the Leader of the House to grant time for such a debate. This is necessary not only to restore public trust, but to make clear the standards of conduct that every Member should adhere to.

• 3 Feb 2026 · Universal Credit (Removal of Two Child Limit) Bill · Hansard source

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  It seems that with increasing frequency I stand in this place welcoming Labour U-turns, and today I welcome yet another. The decision to lift the two-child cap is clearly the right moral choice, and it will lift hundreds of thousands of children out of poverty. For those in Scotland, this is a particularly welcome change. There will no longer be any need for the Scottish Government to divert funds from social care and council services to the Scottish child payment. With that in mind, I urge the hon. Member for Aberdeen North (Kirsty Blackman), who is on the Bench behind me, to discuss with her colleagues in Holyrood the merits of using some of the projected £155 million savings to help fund a new health and care hub for the people of Bearsden and Milngavie in my constituency. I am aware that some people do not support lifting the cap. The change is set to cost UK taxpayers over £3 billion annually by 2030—clearly an enormous sum. Over the past year, we have seen that this Labour Government are set on making working people pay for their changes through tax band freezing, national insurance rises and pension changes. With that in mind, I urge the Government to look seriously at the Liberal Democrat proposals that aim to raise tax revenue. First, banks have made record profits—an estimated £50 billion in a single year—off the backs of hard-working people. We Liberal Democrats believe that it is only fair that the banks pay back some of that money. A windfall tax on these enormous profits could raise £7 billion per year, without placing any more strain on people who are already struggling. On top of that—I know that Conservative Members will not be happy to hear this again—we need a customs union with Europe. Trade deals with China and India are not unwelcome, but the biggest opportunity is right on our doorstep: an extra £90 billion a year in tax revenue that does not require going cap in hand to those who stand against our values or who facilitate our enemies. Lifting children out of poverty does not have to put a further strain on working people. We can create a fair tax system in which companies pay their fair share to help those from whom they profit.

• 15 Jan 2026 · Covid-19: Financial Support · Hansard source

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  I thank my hon. Friend the Member for Stratford-on-Avon (Manuela Perteghella) for securing this important debate. The covid-19 pandemic was undoubtedly one of the most impactful and damaging events to unfold in our lifetimes. Being told to stay inside was incredibly difficult for everyone; people were unable to see loved ones and were uncertain about the future. Thankfully, that time is now just a memory for most—one that we would rather forget, and which we can put behind us as we move forward. Sadly, though, covid is something that many people cannot move past, as we have heard. Across the country, people have lost businesses, lost their homes and, in the worst cases, lost loved ones to the financial stress that the pandemic caused. To add to that distress, the hard-working British people who fell through the gaps have had to watch on as numerous instances of fraud and PPE procurement mismanagement have come to light. Billions of pounds have been wasted and lost; had it been managed properly, that money could have saved people’s livelihoods. In my constituency of Mid Dunbartonshire, we have seen local businesses close. One constituent, who still feels the impact, has told me that a complete lack of support forced their takeaway business, which they had built up from scratch, to shut, yet when they tried to move on, they found that they were at a disadvantage. Despite holding a personal taxi driver’s licence, they had to rent a taxi plate at a cost of more than £400 a week. The absence of meaningful support during covid did not just cost them their business at the time; it continues to have a direct and measurable impact on their ability to rebuild their livelihood today. My constituent is just one of the nearly 4 million people impacted, and these people deserve support, acknowledgment of the loss that they suffered, and an apology. Beyond that, we need to listen to the voices of those affected, and to learn from their experience, so that we can find and plug the gaps in our system that people have fallen through. As the world becomes more unstable, we must make sure that, at home, people and businesses have security. If we are serious about building resilience as a country, we cannot simply move on and hope that those left behind will do the same. We must recognise the harm that has been done. We must be honest about the failures that allowed people to fall through the cracks, and we must take steps to fix them.

• 14 Jan 2026 · Economic Growth · Hansard source

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  I congratulate the Government on the successful seventh round of the allocation of green energy in contracts for difference, nearly 20% of which are going to Scotland. It is good to see that, even amid their U-turns, a Liberal Democrat system from over a decade ago is still delivering. What discussions has the Secretary of State had with his Cabinet colleagues to ensure that the benefits are passed on to the Scottish people through skilled jobs, working to upgrade the grid and, crucially, protecting and defending our offshore infrastructure?

• 3 Dec 2025 · Pension Schemes Bill · Hansard source

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  I appreciate the hon. Gentleman’s point, but the important thing is that there is clear guidance for pension funds to make sure we do not assist breaches of international law. I think that would make things very clear, and quite easy for pension funds to understand and implement. My constituency of Mid Dunbartonshire has many pensioners who are reliant on schemes that do not provide annual indexation. That is why I was pleased to add my name to Liberal Democrat new clause 7, which takes a nuanced and responsible approach. It calls for an assessment of the position faced by pre-1997 pensioners, and of options to address the reality that their pensions have effectively been frozen for many years. As the hon. Member for Ayr, Carrick and Cumnock (Elaine Stewart) mentioned, when schemes that are in surplus are able to ensure that pension holders have a better quality of life, we should fully support as many of them as possible. Ultimately, this is about fairness and openness in our system. Pension schemes hold an almost unimaginable amount of money and are among the most powerful financial actors in our economy, which could help to reduce the inequity in our communities. They are too large and too complex for any individual saver or campaign group to challenge alone, and it therefore falls to us in this House to ensure that schemes operate fairly, ethically and transparently, and that the people who contribute to them and rely on them can retire with dignity and confidence.

• 2 Dec 2025 · Budget Resolutions · Hansard source

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  First, I welcome the £820 million increase in funding for Scotland, the largest real-terms settlement Scotland has received. I have no doubt that my constituents will be pleased to hear of the increase, and I can only hope that they will benefit from it. Today’s theme is investment, and I would like to address the SNP’s lacklustre investment in our health infrastructure. To be clear, I want to ensure that the money sent to Scotland for devolved matters is not frittered away by SNP Scottish Government mismanagement. The residents of my constituency have been crying out for a healthcare centre for years. I have written to the Scottish Government on numerous occasions, pressing both the First Minister and the Cabinet Secretary for action. The response is always the same: either a resounding no or silence. The people of Mid Dunbartonshire deserve better. Nearby in East Renfrewshire, they have received the very same type of health and care centre we have been crying out for, showing what is possible in constituencies like mine when the SNP provides adequate funding. By investing in local health and care, we could make serious long-term savings for the NHS, preventing costly long-term conditions and avoidable hospital admissions through early intervention. That would give the community access to the care, health and wellbeing it needs close to home, reducing the need for often frail or elderly constituents to make the difficult journey to Glasgow. I urge the Secretary of State for Health and Social Care to join me in writing to the Scottish Government to request that the residents of Mid Dunbartonshire get the health and care hub they deserve.