Terry Jermy

It is a pleasure to serve under your chairship, Sir Roger. I thank the right hon. Member for Chingford and Woodford Green (Sir Iain Duncan Smith) for securing this debate. During my life, I have been involved with a number of different charities across my constituency, either in an employed capacity or voluntarily. That has included the Keystone Development Trust, the Benjamin Foundation, the Charles Burrell Centre and the G.W. Staniforth Charity. It is through that involvement that I have come to appreciate how small charities are so often crucial to local communities. They provide essential services and respond quickly to new risks or increases in demand. Sometimes they are formed out of personal tragedy, as was the case with the Benjamin Foundation set up by Richard and Vanessa Draper to remember their son Benjamin, who tragically passed away. The services that small charities provide are crucial. It is important that organisations are supported by the Government. That support could materialise in many ways, but I want to highlight one in particular: access to cash and banking. Many groups and charities tell me that they increasingly struggle to process funds that they receive in cash. Although many things can be purchased digitally, if you are anything like me, Sir Roger, the odds are that you still buy raffle and tombola tickets with cash. The lack of availability of banks, particularly in rural areas such as mine, is now a real barrier to fundraising for smaller charities. The added costs of processing cash and the associated risks of staff and volunteers handling cash are important to consider. I ask the Government to give some thought to what can be done to assist local charities with this practical challenge. I want to take a moment to thank the dozens and dozens of small local charities across my constituency and the volunteers that sustain them, including two groups that I have been able to meet with recently, the Downham Art Circle and Swaffham environment group. In the interests of time, I shall finish there.