My Lords, I will also speak to Amendment 80 in my name. Amendment 79 provides for health surcharges levied on non-European Economic Area migrants to be payable in instalments. The annual
£200 charge for every adult and child came into effect last April and is payable upfront for the whole period of a visa whenever one is renewed. Since leave to remain, if granted, is normally for two and a half years, the upfront fee payable is £500 per person. The health surcharge comes on top of breath-taking application fees that will rise this Friday from £649 to £811 per person—a huge increase of 25%. To illustrate this, a mother of three will need to find £3,244 for the application fee plus a further £2,000 for the upfront health charge for the period of the visa. Families unable to pay these eye-watering sums cannot renew their visa and are faced with a stark, heartbreaking choice: find the money or face destitution or deportation. That is some choice.
In Committee, the Minister had three reservations about my simple, humane plan to avoid vulnerable people placing themselves in debt or poverty to pay the Home Office. He said:
“Upfront payment of the full amount … is … far simpler than requiring migrants to make multiple payments”.
Yet the provisions of the amendment need apply to only a small number of cases where the migrant simply does not have the resources to pay upfront. These cases could be the exception rather than the rule. The Minister also said:
“It would be difficult, complex and costly … to enforce payment of the charge once the visa had been issued”.
I simply do not accept that because the Home Office could make the granting of the migrant’s leave to remain subject to and conditional upon the fees for the previous leave to remain having been paid in full according to any agreed payment schedule. The Minister’s third concern was that:
“If you offered interest free credit in the commercial world … most people would take advantage of it”.—[Official Report, 1/2/16; cols. 1613-14.]
Could the Minister name any other service for which he or anyone else would expect to pay fees two and a half years in advance? He cannot justify driving people into the arms of loan sharks and payday lenders just to make the Government’s life simpler. He must surely see the case for at the very least annualising these payments.
Amendment 80 seeks to extend the categories of migrant exempted from the health charge to include those who have fled domestic violence, and dependent children. The Minister recently visited the Cardinal Hume Centre and saw first-hand the outstanding work it does with migrants with little money who are trying to navigate the law. He heard about one client the centre helped: a mother of four children who works for the NHS. She did not have the £5,700 to pay the admin and health fees for herself, her husband and her four children, so first she got an overdraft and then she borrowed the remainder of the money. She now faces crippling debt and is saddled with not just that debt but also the stress of knowing that in 30 months she must find even more money because the fees will have increased when the family need to reapply for their visas. Her case demonstrates that the fee-waiver system available for migrants unable to pay is simply not working. The Minister saw for himself a number of examples of this on his visit.
Of course, the position of these people who have fled domestic violence is even worse. They face an invidious choice between borrowing the money to pay the fees or returning to their abuser. The existing exemption for victims of domestic abuse is far too narrow as it protects only people with British spouses. I hope that the Government can prove their compassion this afternoon by making a positive response to both these amendments, including giving an assurance that they will at least review the operation of the fee-waiver system. I beg to move.