Susan Murray MP: speeches

Speeches

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

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  I thank the hon. Member for Salford (Rebecca Long Bailey) for championing the cause of WASPI women, who have been utterly failed by successive Governments. I will not repeat what others have said, but it is clear that the Government should act on the ombudsman’s report after the maladministration of the DWP. I have spoken to women in my constituency, WASPI Scotland and across the UK. These are women who historically have faced systemic inequalities, lower wages and difficulty accessing the same work opportunities as men. They have disproportionately shouldered caring responsibilities as primary carers for children and, later, they frequently cared for elderly relatives and loved ones with disabilities. They continue to give their unpaid labour without acknowledgment, which significantly reduces pressures and costs on our NHS and social care services. I am one of those women myself. After a family illness, my life changed in an instant. I had to stop working and become a carer, and I had to be at home. If I was not fortunate enough to still have my health and strength to become a councillor later in life, when my caring responsibilities allowed, and now an MP, I would have been reliant on my state pension and a very small private pension due to circumstances totally outwith my control. The reality is that I am far from being alone in finding myself with caring responsibilities or ill health, and many of my counterparts are not in my fortunate position. WASPI women like myself worked hard, paid into the system and looked forward to their retirement, based on their understanding of the system at the time. At times when others were planning their pensions, these women were in low-paid jobs that were flexible enough to allow them to continue with family commitments. When it became clear that corrective action was necessary, the Government first exploited the plight of these women for political gain. Once they were in power, they then ignored the promises they had made to win their seats. Most troubling is the Government’s continued refusal to act, despite the ombudsman’s extraordinary call for parliamentary intervention. Rather than providing decisive leadership and delivering justice, the Government have delayed, deflected and evaded accountability. If the Government are sincere about fairness, integrity and honouring their commitments to support working people, they must go beyond expressions of sympathy. Concrete steps must be taken to deliver the ombudsman’s recommendation, recognising both the scale of the injustice and the dignity of those involved. These women deserve better: they have spent their lives working and contributing to our society, preventing costs for the NHS. We must value their contribution and thank them. Implementing the advice of the ombudsman is the least that the Government can do. For those women who, like me, are fortunate to have a higher income after reaching state pension age, His Majesty’s Revenue and Customs and the tax system will effectively claw back a large proportion of any redress and return it to the Treasury.

• 1 Jul 2025 · Topical Questions · Hansard source

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  T9. Following the Pensions Minister’s response to me about pensioner living standards, what specific measures announced in the Government’s pensions reforms will support pre-1997 defined benefit pensioners, who currently receive a minimal or no annual uplift?

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

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  The hon. Gentleman is correct. Even in my constituency of Mid Dunbartonshire, we have dark spots where people cannot access wi-fi. That is an important point. A vital local resource, banks allow people to deposit cash and cheques, withdraw their money or check their details, and get help from staff. To allow the closure of banks without suitable access to a replacement banking hub is not just inconvenient; it is a step backwards for equality. With that in mind, I urge the Minister to look at the Liberal Democrat proposal for a financial inclusion strategy that would ensure that the Financial Conduct Authority and the Prudential Regulation Authority take into account financial inclusion. That would help to protect access to cash for those who need it, ensure that rural communities are not excluded from accessing resources and, importantly, support banking hubs.

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

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  I thank the right hon. Member for making a good point for the Minister to consider. The closure of branches and their replacement with only 350 hubs represents nothing more than big banks trying to increase their profits further at the expense of their customers. That is not just a mild inconvenience; it presents a serious accessibility issue, as we have heard. For the disabled, the elderly and those without technical know-how, bank branches are often a vital resource.

• 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 thank the hon. Member for South West Hertfordshire (Mr Mohindra) for securing this important debate. I begin by acknowledging that my constituency does not fall within the boundaries of Hertfordshire; it is slightly further north. However, as we have heard, the issue of access to banking hubs is an important one across the UK. My constituents, like those of the other hon. Members here today, understand the difficulties brought about by banks closing. Older constituents who have no access to digital equipment or services are often the worst affected. For some, their family members step in to support them with things such as making NHS appointments, but for many, handing over control of their banking feels like a step too far and a loss of independence. Others have no family nearby to help. Being pushed to use complex online banking is not always appropriate for these customers. In addition, as we have heard, the ability to deposit cash is crucial for many local businesses, and with the closure of more and more post offices, it is a growing problem. Despite having many elderly residents, Bearsden in my constituency has lost all its bank branches and it appears that there is no access to an ATM. There are also no plans for a banking hub there. The Government have made assurances that by 2029 banks will have set up 350 banking hubs. The truth is that that is woefully inadequate and much too slow. The number of bank branches operating dropped from almost 15,000 in 1986 to just 5,745 by 2023.

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

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  It is a pleasure to serve under your chairmanship, Mr Vickers, and I thank the hon. Member for Mid Leicestershire (Mr Bedford) for securing this important debate. Small and medium-sized enterprises are not just crucial to our economy; they are its lifeblood, driving innovation, employment and local growth. In my constituency of Mid Dunbartonshire, we have many SMEs that contribute enormously to the local economy, including hair and beauty salons, and they also keep our high streets alive. Beyond this, though, our local businesses shape our communities, fostering a sense of identity and community pride, which we simply do not see when international conglomerates set up shop. However, as has already been mentioned, in the current business environment, with the increase in employer’s national insurance contributions, the huge increase in utilities costs, and inflation driving up the cost of materials, the current VAT threshold poses a substantial barrier, actively stifling the potential of SMEs and limiting their growth. The VAT threshold, currently set at £90,000, creates a growth cliff edge for SMEs. Many businesses deliberately limit their turnover to avoid crossing this threshold and facing the administrative burden, increased costs and competitive disadvantages that follow. That ceiling hampers ambition and penalises success—the exact opposite of what our tax system should encourage. The leap to becoming VAT registered means businesses face not only significant new compliance costs, but the challenge of remaining price competitive. Non-VAT-registered competitors can undercut prices, placing growing businesses at a distinct disadvantage, and their larger competitors can use their size to offset the additional burden of VAT. Essentially our small, growing businesses are competing with those at the top and those at the bottom, both of which the system is designed to help. Moreover, the sudden administrative burden—VAT accounting, quarterly reporting and more complex financial management—is daunting and resource intensive. Such complexity distracts entrepreneurs from their primary goal: growing their business, creating jobs and contributing positively to their local economy. The current VAT threshold discourages growth, distorts competition and creates unnecessary administrative challenges for SMEs. It is clearly time for change. Through a smoother transitional system or targeted administrative support, we must ensure our tax system empowers small businesses to grow confidently, and does not hold them back at critical stages of their development.

• 10 Jun 2025 · Israel and the Occupied Palestinian Territories · Hansard source

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  People in Gaza are starving. Those people are children, the sick and the elderly. The Gaza Humanitarian Foundation is unworkable and its operations are insufficient. Will the Government not just press for but develop an alternative plan for taking aid into the strip through a humanitarian corridor sponsored by the UN?

• 5 Jun 2025 · Cyber-security · Hansard source

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  9. What steps he is taking to improve national resilience against cyber-security threats.

• 5 Jun 2025 · Cyber-security · Hansard source

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  I thank the Minister for his answer. As has been mentioned, we have recently seen attacks against private institutions, with groups such as Marks & Spencer being targeted. I would be very interested to learn about the approach that has been taken by the statutory organisations and those in the military sphere, but I would like to know what efforts have been made to protect private businesses from cyber-attacks and to ensure that my constituents in Mid Dunbartonshire and people across the UK have access to their daily essentials.

• 3 Jun 2025 · Topical Questions · Hansard source

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  T1. If she will make a statement on her departmental responsibilities.

• 3 Jun 2025 · Topical Questions · Hansard source

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  What discussions have the Government had regarding the International Court of Justice’s 2024 judgment on Israel and Palestine?

• 3 Jun 2025 · Inheritance Tax: Family-owned Businesses · Hansard source

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  It is important to look at all ways to make sure we have a system that does not cause the demise of family-owned businesses.

• 3 Jun 2025 · Inheritance Tax: Family-owned Businesses · Hansard source

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  I thank the hon. Gentleman for raising that issue; I completely agree. The Centre for Economics and Business Research found that nine out of every 10 privately owned businesses in the UK are family owned, and that they provide employment for nearly 16 million people and contribute more than £200 billion in taxes annually.

• 3 Jun 2025 · Inheritance Tax: Family-owned Businesses · Hansard source

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  That was the point I was making when I asked the Minister whether there is an established methodology to make sure that the valuation of companies reflects the current situation. This change does not target the ultra-wealthy or global conglomerates. In many parts of the UK even modest enterprises, especially those with land and equipment, which are often the biggest local employers, exceed the £1 million relief cap. Unlike large corporations, family businesses cannot just offshore ownership structures or use complex tax arbitrage to avoid the costs. I am sure that every Member present, including the Minister, agrees that preserving the businesses at the heart of our communities should be the Government’s priority, not erecting barriers that create an environment too toxic for family businesses to survive. Will the Minister consider raising the relief cap to £2 million, as requested by the Scottish Chambers of Commerce network? That would make more family businesses exempt from this dangerous inheritance tax, thereby protecting jobs and local businesses. The reality is that the Government have not undertaken an impact assessment, and according to estimates by the Office for Budget Responsibility, the changes to business property relief and agricultural property relief will raise only around £1.8 billion over a four-year period. That amount comes with a high uncertainty rating, because behaviour change might alter it significantly, and it cannot be compared with the £27 billion of VAT, late PAYE and national insurance that HMRC is yet to collect. Forcing family businesses to reduce investment, withdraw capital, dispose of assets or sell or shut their business entirely to release cash to fund inheritance tax liability will weaken the competitiveness of not only the businesses themselves, but the wider UK economy. The changes may be well-intentioned, but they are misdirected in their execution. They risk treating genuine business owners in the same way as passive investors, and in doing so they ignore the fact that these reliefs were originally designed to protect the continuity of real working businesses in real communities. In conclusion, will the Minister consider amending the proposed legislation to ensure that the changes do not weaken genuine family businesses—

• 3 Jun 2025 · Inheritance Tax: Family-owned Businesses · Hansard source

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  Why do the Government not consider taxing large digital multinational corporations trading in this country in order to raise the extra revenue that is being raised from this measure, which effectively punishes the businesses that run the supply chains that export to those markets? Those businesses have relationships with specialist suppliers and are being put at risk.

• 3 Jun 2025 · Inheritance Tax: Family-owned Businesses · Hansard source

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  I completely agree: it appears that there are many factors the Government have not taken into account. The situation was brought home to me by a local company in my constituency: Archibald Young Ltd Founders and Engineers, a family-run foundry that has been operating in Kirkintilloch since 1959—not quite as long as the business mentioned by the hon. Member for Blackley and Middleton South (Graham Stringer). I thank Ian Young for sharing his company’s position and highlighting the vital role that it plays in defence by producing high-precision critical components. Since it was established, the company has grown steadily over three generations. At one time, Scotland had over 260 foundries; it now has 12, of which 11 are family-owned, and all are third generation.

• 3 Jun 2025 · Inheritance Tax: Family-owned Businesses · Hansard source

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  I beg to move, That this House has considered the impact of Inheritance Tax on family-owned businesses. It is a pleasure to serve under your chairship, Sir John, and a privilege to lead this debate on a matter of real consequence to our economy. I begin by paying tribute to the extraordinary contributions that family-owned businesses make across the country, not least in my own Mid Dunbartonshire constituency. They are not just economic actors; they are part of the fabric of our communities. They offer good local jobs and apprenticeships, sponsor local sports teams, support local charitable activities, and keep our high streets and industrial parks alive with character, energy and local pride. According to the Fraser of Allander Institute, in 2025 family-owned businesses are in turbulent and uncertain times. They are facing national insurance increases, with many scaling back plans for workforce expansion and recruitment as a result. The latest quarterly economic indicator from the Scottish Chambers of Commerce network presents a stark picture, as businesses face pressure that threatens to derail growth, investment and competitiveness. Taxation is now the No. 1 concern facing Scottish businesses.

• 3 Jun 2025 · Inheritance Tax: Family-owned Businesses · Hansard source

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  I certainly agree that we need to protect our family-owned businesses and do everything we can to help them to thrive, rather than putting them in a position whereby the economy is at risk of losing both jobs and growth. I will finish the question that I was putting to the Minister. Will he consider amending the proposed legislation to ensure that the changes do not weaken genuine family businesses, and make the transfer of shares in a family business to the next generation exempt from inheritance tax for seven years, provided that the business is not sold in that period? If it is sold within that period, inheritance tax would become payable, along with the capital gains tax, both of which could be funded from the proceeds of the sale. This Government have stated that growing the UK economy is essential, but attacking the backbone of the economy—the family businesses that have proved they can adapt and change rapidly to meet changing market needs and conditions, and that support supply chains and local jobs—must not happen. Family businesses should be supported, not raided for a relatively de minimis gain to the Exchequer.

• 3 Jun 2025 · Inheritance Tax: Family-owned Businesses · Hansard source

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  I thank the hon. Member for raising that issue. I have seen the research and will refer to it later in my speech. That was a timely publication.

• 3 Jun 2025 · Inheritance Tax: Family-owned Businesses · Hansard source

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  I agree; it is important we understand that these businesses and family farms exist in their own right and are not simply personal property, even though they are family owned. Today, under Andrew Young, Young’s foundry continues to provide skilled and specialist manufacturing from its bases in Kirkintilloch, Motherwell and the north of England. Like so many of the family-run firms we are here to talk about, its success has been built over decades of hard work and reinvestment in its business and workforce, yet recent Government policies are putting that at risk. Clearly, family-owned businesses can cope with challenges in the economic and business environment, which they have navigated over generations, but when Government policies are hostile to their success and survival, their ability to create jobs and grow the economy is eroded and their future is uncertain. Whether it is rising energy and employment costs, burdensome business rates or disproportionate regulatory hurdles, these enterprises face challenges that their multinational competitors are often better equipped to absorb, or that they do not face at all. The reforms to business property relief and agricultural relief announced in the 2024 autumn Budget have dealt family businesses a blow that risks undermining the very principle of intergenerational succession that has been at the heart of their success. They must retain profits to reinvest in business assets, to enhance business competitiveness and invest in product development. Prior to the reforms, the shares held in private family-owned businesses could be passed on upon death to the next family generation, free of inheritance tax. This was enabled by the shares qualifying for 100% business property relief. The 2024 Budget introduced a new £1 million relief cap beyond which inheritance tax is due, with business property relief of 50%, resulting in an inheritance tax charge of 20% being applied to such transfers upon death. This sudden change means that family financial planning opportunities are much more limited. Under the new rules any lifetime transfer of business property relief or agricultural property relief assets made on or after 30 October 2024 will be subject to the new relief limits if the donor dies on or after 6 April 2026. GAP Holdings Ltd is another family-owned business based in my constituency. I thank Mark Anderson of GAP for allowing me to share his company’s position in this debate. He has also met the Secretary of State for Business and Trade and colleagues. Founded in 1969, GAP’s tool-hire business has grown dramatically. By reinvesting in its assets over the past 10 years, it has tripled its turnover and now employs over 2,000 people across the UK. GAP’s annual profit to March was £44 million, and its earnings before interest, taxes, depreciation and amortisation were £132 million. For GAP, the potential inheritance tax charge arising upon the death of the second generation would amount to tens of millions of pounds. The proposed £1 million relief cap would make no meaningful difference to the size of the problem. Three months ago, GAP exceeded the £1 million mark in its total donations to charitable causes. That is the kind of benefit that these businesses bring to the community. The inheritance tax changes would require the independent valuation of companies. Will the Minister clarify whether there is a consistent and defined methodology for that activity? When a family business owner dies and leaves shares to the next generation, there is no cash available to pay inheritance tax liability and no windfall to successors. In practical terms, it is business as usual, and the business continues to use its assets to trade and contribute economically to the local community. It is not the same as selling a business; however, it may force the company to be sold completely to pay the liability. Will the Minister confirm that it is not the Government’s intention that a family-owned business that has been passed down through the generations is forced to be sold as a result of the change, or forced into failure by having to take on unsustainable levels of debt?

• 3 Jun 2025 · Prisons: Rehabilitation · Hansard source

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  In my constituency of Mid Dunbartonshire, the community justice team are having some success in preventing reoffending by working with offenders in a trauma-informed way. Given the success of that trauma-informed approach to rehabilitation, what discussions has the Minister had regarding the differing approaches that are taken to offender rehabilitation across the UK?

• 3 Jun 2025 · Prisons: Rehabilitation · Hansard source

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  15. What assessment she has made of the adequacy of rehabilitative programmes in prisons.

• 22 May 2025 · Access to NHS Dentistry · Hansard source

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  I thank the hon. Member for Great Grimsby and Cleethorpes (Melanie Onn) for bringing forward this important debate. In my constituency and across Scotland, families are desperately struggling to access NHS dental treatment. Public Health Scotland figures show that while 87% of children are registered with an NHS dentist, only about 66% have actually been seen by one in the past two years, and in our most deprived areas that drops to only one in two children. This is despite the SNP claiming that 95% of children are registered with an NHS dentist. When routine care disappears, the consequences are seen in hospitals. Before the pandemic, Scotland was admitting about 8,000 children a year for dental extractions under general anaesthetic, making it the single biggest cause of planned childhood admissions to hospitals. Despite the clear and dire consequences of failing to address dental health and health inequalities in general, the Governments in both Holyrood and Westminster appear to be looking the other way. A recent British Dental Association survey highlighted the financial strain faced by dentists, with 45% of practices saying that they were struggling to stay financially viable and over half saying that the recent Budget had accelerated their move into the private sector. With that in mind, we must ask why this Government chose to follow through on their national insurance rise for primary care providers such as dentists. It appears that while Labour’s manifesto said that they would support local health providers, the reality for those providing care is quite different. I therefore join my Liberal Democrat colleagues in calling on the Government to reconsider their stance on national insurance. Failing to return national insurance contributions to their former levels will inevitably result in fewer NHS dental appointments, fewer NHS dental providers, and more children on operating tables.

• 6 May 2025 · Poverty: Glasgow North East · Hansard source

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  That is not my experience in my constituency of Mid Dunbartonshire. We did a survey recently that showed that there was quite a lot of difficulty in finding an NHS dentist, and that many people who were with NHS dentists found that they were moving to private practice. In fact, I know of many constituents in east Dunbartonshire who are travelling to Springburn to reach an NHS dentist, so they have to travel quite a long distance. Tackling poverty means addressing the full range of barriers that hold children back. Hunger, cold homes and preventable health issues are among them. Those are devolved levers that Holyrood can and should pull. The Scottish child payment is a start, but Westminster must also play its part. The Liberal Democrats are calling on the UK Government to tackle child poverty by removing the two-child limit and the benefits cap, and to reduce the wait for the first payment of universal credit from five weeks to five days. Instead, a UK-wide poverty premium continues to strip cash from low-income households through their higher tariffs and costlier services. Scotland cannot build fairness on funding shortfalls. Hungry children cannot learn. Cold, unwell children cannot thrive. Nourished pupils, warm homes and healthy children are the engines for future growth. By investing in all our children, school meals, energy efficiency and basic healthcare access, we will not only spare a generation the misery of deprivation, but unlock the skills, health and enterprise that can power north-east Glasgow and the whole of the United Kingdom to a more prosperous future. This is not just a moral choice; it is the smart one, both socially and economically.

• 6 May 2025 · Poverty: Glasgow North East · Hansard source

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  It is a pleasure to serve under your chairship, Ms Butler. I thank the hon. Member for Glasgow North East (Maureen Burke) for securing this important debate and for her very moving speech. It is clear that she is committed to her constituents. We need to break the cycle of inequality. As we heard, on the streets of north-east Glasgow and in parts of my constituency of Mid Dunbartonshire—including Auchinairn, which neighbours Glasgow North East—too many young people begin life weighed down by poverty rather than uplifted by potential. Across Glasgow, 33% of children are growing up poor, but that figure rises to over 37% in the Glasgow East constituency, the highest rate in Scotland. Behind every percentage point are hundreds of pupils whose concentration is broken by hunger, and whose homework, if it is done at all, is done under blankets because the heating is off. New figures from the Joseph Rowntree Foundation reveal that 6 million people in the UK today are living in “very deep poverty”, and nearly half a million of them are in Scotland. Poverty on that scale is not just a social failure. It is an economic own goal and a drag on growth. The OECD has long shown that inequality depresses GDP by stunting skills and productivity. A cold, hungry child suffering from illness and missing school is unlikely to become the skilled, creative adult our economy needs. We need investment, not in handouts but in the human capital that will pay Scotland dividends for decades. Three interventions stand out. First, we must extend free school meals to every child in poverty throughout primary and secondary school. Scotland rightly offers universal provision in primary 1 to 5, yet pupils in primary 6 and 7 and early secondary school still fall through the net. Research by the Institute for Fiscal Studies finds that a reliable, nutritious lunch raises attainment by the equivalent of two months’ learning each year and boosts lifetime earnings. That is growth economics in a dinner hall: healthier children today, higher productivity tomorrow, and lower long-term welfare and NHS costs. Secondly, we must make every home in north-east Glasgow and beyond warm and efficient. The Warmer Homes Scotland programme helped over 7,000 households last year, cutting bills and carbon alike, and demand has soared as energy prices climb. Accelerating retrofits in social housing across the region would create skilled jobs and boost economic activity through local supply chains. For families, it means that money saved on energy bills can be spent on essentials such as food, school shoes or a local after-school club. Thirdly, we must ensure universal access to NHS dental care for all children. Despite school dentists, all too frequently families simply cannot get an NHS dentist. Routine care is being missed and tooth decay remains one of the leading causes of hospital admissions for children. That is not just a public health failure; it is a productivity issue. Dental pain keeps children off school, affects their speech and self-esteem and entrenches disadvantage. Good oral health must be seen as a core part of a child’s educational and developmental success.