Speeches by McDonagh.

“Rachel, just encourage your constituents to come and live in Mitcham. They would be very welcome.”

“Order. I ask the hon. Member to sit down. I apologise—I know that he waited a long time to make his contribution. I call the Liberal Democrat spokesperson, who has five minutes.”

“I remind Members that they should bob if they wish to be called to speak in the debate.”

“Order. The right hon. Member is a man of great of experience and he knows that this is an intervention, rather than a speech.”

“Order. I remind the Member that she came into the debate very late. I do not wish to embarrass her in any way, but if she wants to intervene, she needs to be here at the start of the debate.”

“Order. I do apologise to the hon. Member, but that is not a point of order, and she knows it. I call the Minister.”

“Order. We are out of time, but I want to make a public apology to the hon. Member for Epsom and Ewell (Helen Maguire). I should have allowed her to intervene, and I certainly meant no discourtesy to her. Motion lapsed (Standing Order No. 10(6)).”

“I will call Graham Leadbitter to move the motion. Unusually, two further Members will make a contribution in this half-hour debate. There will not be an opportunity for the Member in charge to sum up at the end.”

“Order. I remind Members that they should bob if they wish to be called in the debate. Please do not take that to be a promise. As everybody can see, a lot of people want to speak. We will endeavour to get through everybody, as is our hope. At the moment, we think the limit is around two minutes, but should it prove nec…”

“I clarify that I am imposing a hard two-minute limit, so I will ask hon. Members to sit down if they go over it.”

“Order. I apologise for this, but a desire to get everybody in means that I am now reducing the time limit to one minute.”

“Order. I do not have the power to tell you to stop, but if you would not mind coming to an end, that would be good.”

“Order. Again, I do not have the power to ask you to sit down, but I would be very grateful if you did.”

“This causes so much distress to so many constituents, and is a great driver in the use of cash and the need for face-to-face banking, because people are so terrified of being scammed. I want to fully understand some of the rules. Somebody might be scammed by being told that their account is unsafe, and the person on th…”

“That is pretty brutal.”

“Lastly, did the FCA at any time since 2016 put pressure on your service, or indicate or direct you as to how it wanted you to deal with unlawful incentivised commission arrangements?”

“It is a general point that a long time before 2024 and 2025 there were people saying, “Hang on a minute. This is a problem.” You have made a lot about the fact you are undertaking inquiries into individual complaints, but if you see something that you know might come down the track and cost billions of pounds to compen…”

“I have been contacted on behalf of Paul Carlier, who is a whistleblower, and he says that in 2016 he submitted a claim to the Financial Ombudsman Service, in which he provided evidence proving the unlawful and widespread use of the incentivised commission arrangements that are at the heart of what is now the car financ…”

“Does Bob still work for you?”

“Sorry to interrupt, but that is a fundamental change and a very big decision to make, because of the impact it will have on people who wish to make claims and often are not very able to do it, so they use a claim management organisation. It is very fundamental. Was that the source of difference between you, the board a…”