Speeches by McDonagh.

“I apologise for challenging the Minister’s assertion, but in the case of glioblastoma, it really does not matter how early it is detected; the consequence is the same. It is a stage 4 tumour that is going to kill the person and the average life expectancy is nine months.”

“Debates on brain tumours are a bit like buses—there are none for ages, then they all come one after the other. I thank my hon. Friend the Member for Caerphilly (Chris Evans) for organising this debate—the second of two debates on this topic on consecutive days. I send my condolences to Ellie and her entire family on th…”

“On a point of order, Mr Western. I want to make a clarification. In my response to the intervention by the hon. Member for Esher and Walton (Monica Harding), I mixed up quangos. I suggested that it was the fault of the MHRA that the Oncotherm machine was not in an NHS hospital. It is, of course, the fault of the Nation…”

“The hon. Gentleman has been very kind to me in all these debates and has called me soft-hearted. If I am soft-hearted, that perhaps applies to both of us.”

“I thank the hon. Member for Wokingham (Clive Jones) for organising this debate. My purpose is to find a cure for glioblastoma brain tumours, the biggest cancer killer of children and adults under 40, with a life expectancy from diagnosis of just nine months and a five-year survival rate of 5%. The only way to find a cu…”

“What safeguards will be put in place for vulnerable consumers who really have been taken to the cleaners and who do not have access to the courts or know how to go about these things?”

“It is always difficult, isn’t it? The banks and the lenders have access to people with power, and often individual consumers do not have that access. How can the consumer have confidence in a redress scheme where lenders are given such a significant role in deciding eligibility and outcomes?”

“The discussion about changing ISAs to stocks and shares ISAs for people under the age of 65 has made me think about the rules around financial advice, and sometimes unintended consequences. The need to pay for financial advice may well be restricting people from getting access to some of these products or knowing what …”

“Will you take on board the issue of face-to-face banking services, or does that require direction from the Treasury or a view of this Committee, because it is an issue of financial inclusion, is it not? The 21%, 22%, 23% of the population who deal in cash; who want face-to-face service; who are worried about being scam…”

“How would an individual consumer get that advice?”

“On banking hubs, Mitcham and Morden is delighted that we are the first town in south-west London to get a banking hub because of the last bank in town, Lloyds, closing. But what I have learnt and experienced through my campaign—and I am not used to winning, Chair—is that the whole issue is about access to cash rather t…”

“That is quite a tour.”

“My question has been leaked, Mr Rathi, because that is exactly where I want to start. The courts increasingly appear to be awarding full redress to victims of motor finance mis-selling. Why is the FCA proposing a redress scheme that may leave consumers worse off than if they pursue their case through the courts?”

“The post office counter is not enough in a big town, is it?”

“Do you have any idea of the timescales?”

“Chancellor, we are aware of a perceived intergenerational unfairness, and I want to look at the measures on lifetime ISAs that you announced in your Budget. Everybody accepts that lifetime ISAs have design flaws, but launching a full consultation and creating a completely new product, which may not exist for some years…”

“Looking at the age differential for investing in a cash ISA, do you think it is fair that young people who want to save for a mortgage deposit are being forced into a more volatile stocks and shares ISA, while retirees are allowed greater freedom to save in cash? Why was 65 chosen, rather than the state pension age? Do…”

“Will that not require more financial education in schools?”

“I ask that Members consider a four or five-minute time limit on their speeches so that everybody can be heard this afternoon, although I do not want to do that on a forced basis.”

“I think that may be your modus operandi.”