Speeches by Dean.

“Ms Rayner, would transparency on the costs be part of the solution—separating the cost of providing the finance from the premium costs—so that there can be proper competition between people?”

“We have been talking about the risk profiling model. In our discussion with Mr McAteer on the previous panel, we were saying that solutions are coming out of the working group about doing surveys, working groups and signposting, and it is all about building understanding and capability of individuals. But he would say …”

“That is the levy basis, but what about a carousel system whereby you take it in turns to take on people who would otherwise be priced out of insurance?”

“Just to push you on what the FCA said about the premium finance market study, it concluded that customers were not getting fair value. As soon as the FCA started commissioning this research, there was an impact on pricing, and you started to see firms adjust, probably because they feared there might be further action c…”

“Mr Singh, in your opening comments you talked about systemic issues. I am not sure whether you tuned in to our previous session, but we had Mr McAteer of the Financial Inclusion and Markets Centre in front of us. He said that there is nothing in the strategy that the industry would not like. Do you want to contradict h…”

“Since when has that been the case? Is it now the industry standard?”

“That’s what I said, yes.”

“My second question—both can come in with answers if you have them—is whether anything has changed in the Government’s approach since the start of the conversation around this strategy because of input from industry. Can you point to an example of a way that the Government have changed the outcome of the strategy from w…”

“Mr Singh, you said to start thinking about it. Are there things missing that the Government need to start thinking about sooner?”

“Just to be clear, I think it concluded that many customers were not getting fair value. It said it was possible that there are costs associated with introducing monthly payments, but that in many cases people were being overcharged—just to be clear.”

“I do agree with my hon. Friend. I will come on to the new hospitals programme, as my constituency stands to benefit from it, too—if it comes soon enough. In the meantime, as she says, we are paying twice to pay for the repairs and patchwork, and never keeping up with the investment we need. Ageing diagnostic equipment …”

“I am grateful for the point my hon. Friend made, and I will come to make very similar points about the impact that maintenance backlogs are having. It is partly because of the slow payoff of capital investment that we are in this mess. The last Conservative Government completely undermined the NHS’s future by overpromi…”

“We have two panels today, so can you answer the questions from your perspectives as a bank and building society? This is a broad one to kick off. I will start with you, Mr Singh. What do you view as the main causes of financial exclusion for your sector? Can you tell us what you think of the Government’s strategy?”

“I agree with the hon. Gentleman, and I am sure that, like me, he hears constituents say that they do not want to attend their local A&E because they do not trust that they will be seen in time. I am sure that the figures he is describing are an undercount of the people who should be in there. Like me, he will have …”

“I beg to move, That this House has considered NHS capital spending. It is a pleasure to serve under your chairship, Mr Western. I am grateful to have secured this debate on NHS capital spending. This subject goes right to the heart of how the NHS functions, and yet it is not discussed enough in this place. I had a look…”

“The Chancellor must be concerned that none of the good news she has shared with us today is being felt by people in the real world. Inflation is down, but she will know that that does not suddenly make things more affordable, and interest rates are down, but she will know that millions will lock into higher-rate deals …”

“I join the Leader of the House in his comments about Ukraine. It is clear that Vladimir Putin underestimated Ukrainians’ resilience and Europe’s willingness to stand by Ukraine. He will find out that we will all stand by Ukraine right to the end of this war. The cost of living has been piling pressure on people for yea…”

“The hon. Lady is making an excellent speech. Should one of those principles be related not only to content but to the addictive nature of these platforms? One of the changes I have witnessed on social media over time is algorithmic addiction. The greatest minds in the world are now working out the circuitry of our brai…”

“There seems to be great confusion in the Chamber, even though the Liberal Democrats have time and again set out our proposals quite clearly in different places. I find it fascinating that the official Opposition accuse us of politicking when they probably agree with the substance of our proposals. They are contorting t…”

“Over the last few weeks, there has been a national debate raging that, so far, this place has been pretty silent on. It is on the matter of student loans. I know what some on the Government Benches may be thinking, but I am not prepared to duck difficult subjects. Let us face it: the student loans system has changed be…”