It is a pleasure to serve under your chairmanship, Mr Davies. I congratulate my hon. Friend the Member for Bermondsey and Old Southwark (Neil Coyle) on securing this debate and on all the work that he does with the all-party parliamentary group on ending homelessness, which he leads ably, and presumably alone, now that his Conservative counterpart, the hon. Member for Colchester (Will Quince), has been promoted. I wish my hon. Friend well for the future of that all-party parliamentary group, which has done some incredibly important work and given Government clear direction on actions that they could take further to reduce homelessness and taking additional steps beyond that which they have already done.
I wanted to participate in the debate because on Friday, at my regular weekly surgery, three cases of domestic abuse came to me. I wish that that was unusual, but sadly, it is not. I will focus on two of those cases, which have particular links to housing. I thought that the Government response to today’s debate might come from a Home Office Minister, rather than the Minister with responsibility for housing and homelessness, because of the nature of the domestic abuse involved. I trust that the Minister will have close conversations with her Home Office counterpart following the debate.
The first case that came before me involved a woman who had experienced severe financial coercive control at the hands of her former partner. After six years of a relationship—five years as a co-mortgager with the individual—the woman has been left with full responsibility for the mortgage and all the utility bills, as well as associated bills for which her former partner happily took her money for five years, but never actually payed the companies. Her ex-partner will not allow her to remove herself from or seek to close down that mortgage, or make any progress whatever on selling the property, so he retains his control over her life and her ability to move on from the relationship, although she is the one who engages with all the different agencies to try to work out a payment plan for all the debt accrued as a result of that relationship.
This woman has been to every organisation that she can think of, whether it be Women’s Aid, StepChange or her local authority, and has even taken advice from a solicitor on how to extricate herself from this situation. The only response is that she should default on her part of the mortgage payments, which would significantly affect her credit rating, and allow the property to be repossessed and sold by the bank at auction, at a much lower price than if it were sold on the open market. Both she and her partner would lose out, but her former partner could not care less about losing out—all he wants is to ensure that she struggles and that she cannot move any further along.
As an exercise in domestic abuse, such financial coercion is already legislated for, but the police simply do not seem to have the ability, focus and priorities to investigate such incredibly complex and sensitive situations, and the available avenues left to my constituents are few and far between. I hope that the Minister will meet the Home Office Minister, with whom I have already had a conversation about this particular case, to ensure that we see in the upcoming Domestic Abuse Bill a much greater focus on financial measures and packages, and on the institutions that can better support those in controlling relationships, particularly of a financial nature.
On homelessness, for that individual in that first case, getting either another mortgage or private rented accommodation will be very difficult and challenging with a poor credit rating.
The second case involves a woman who had been in a very violent relationship with her former partner, with whom she had four children. The partner was in a particular situation, and the police gave my constituent just 48 hours to get out of the family home and remove themselves as far away as possible.
The homelessness team put this woman and her four children into emergency bed-and-breakfast accommodation, but that was not entirely suitable. It was a long way from the children’s schools, which made it impossible for the mother to do any work because most of the day was spent taking four children back and forth to school on public transport. Her finances were certainly taken up by doing that, because she received no additional financial support in that situation. She then began sofa surfing with her family, which has gone on for more than two years since they were advised to move on from that housing association property.
The homelessness team has now found my constituent a home, which she has been told is permanent, but after a matter of months the walls are crumbling, the roof and the bathroom leak, the whole house has electrical problems and electricians have assessed it as a tinderbox waiting to go up, and an outbuilding in the garden is so dangerous that the children cannot play out there, and one of them has already injured themselves in it. There is a crisis in the kind of property that local authorities can offer people in such dire situations. It would be great if the council or the housing association had sufficient properties, but when my constituent has asked the housing association to rehouse her in more suitable accommodation, she has been told that she made herself voluntarily homeless, and she has accrued debts as a result of non-payment of rent.
I cannot believe that Lincolnshire Housing Partnership, the housing association in question in this case, does not allow a waiver for individuals who have experienced
domestic abuse to say that they are leaving a property, particularly when that is done under police advice. I cannot believe that the housing association cannot do more to ensure that people are properly accommodated.
Government have done some good work to prevent those who are suffering from domestic violence and seeking housing support from being turned away from neighbouring or external local authorities merely because they have no local connection. That is welcome. The Minister will know that I am very aware of the work undertaken to try to tackle rogue landlords and protect those in the private rental sector, but these two cases show that financial coercion as a crime is not fully investigated with the same vigour as other forms of physical abuse. The support is not available.
Much more could be done to get the institutions that offer mortgages to provide some breathing space and freeze mortgages until the situation is resolved to ensure that individuals are not punished. The partner of my constituent has gone to ground and constantly changes address so that the mortgage company cannot get hold of him and insist that he sign documentation. That is deeply frustrating for my constituent, because in her eyes she is the victim: she has done everything she can, having done all the right things and having gone to all the right agencies, yet still she will lose out.
The housing association procedures do not seem to reflect the reality of people’s lives. In those extraordinary circumstances, there must be some flexibilities in processes and procedures to make sure that people, particularly children, are not at a disadvantage. Council homelessness teams do not have sufficient good-quality properties to house people properly and rogue landlords are still getting away with offering poor-quality—and frankly, in this situation, dangerous—properties to incredibly vulnerable people. They are taking advantage: a local authority would be charged a much higher rate to house such people, who would feel they had no other choice. There are feelings of helplessness, hopelessness and failing as a parent, as well as the great impact of the disruption on the lives and education of my constituents’ children. That shows that the Government have a role to play to offer greater resources to close the many, very obvious gaps.
I would not feel so strongly about this issue if people coming to see me about it was not a weekly occurrence, but that is what it is, and they all experience similar housing situations. We have a great refuge service in Great Grimsby run by Women’s Aid, which caters for people across the country, but that is not a permanent home. When victims have done nothing wrong, being forced out of their home feels like further punishment.
I hope that in the Domestic Abuse Bill, as well as in the Minister’s remarks, there will be an acceptance that Government should prioritise victims remaining securely in their own homes, with the perpetrator being removed and prevented from interfering with their victims and the wider family. I wholeheartedly believe that it should not be the victims who lose their homes, communities, friends, family, social clubs, schools or jobs, and I hope the Minister shares my view.
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