Jayne Kirkham

I thank the hon. Member for Stratford-on-Avon (Manuela Perteghella) for securing the debate on this really important subject. The covid-19 pandemic was an incredibly difficult time for many people—healthcare and other key workers who served their communities courageously; people who contracted the virus and their loved ones; children and young people who missed out on education and social interaction; and anyone who had to isolate alone. It was also an immensely stressful time for people who lost their incomes but could not get financial support. As we have heard from other Members, that group included many different types of people. I would like to share the stories of two constituents who have faced financial repercussions as a result of the covid-19 pandemic. One of my constituents was a journalist and table tennis coach when the UK went into lockdown in March 2020. She was unable to do either job, but received no Government support, as she was deemed a fraud risk because her earned income was less than her combined state and work pensions. She feels that she was “abandoned by those who should have had some empathy for the small business entrepreneurs whose lives were so badly affected by lockdown”. Another constituent of mine is a business owner who entered insolvency due to the pandemic, through no fault of his own. He had to close his worldwide travel risk management business because of the restrictions that were in place at the time. Despite having run a viable business before covid, he now finds himself subject to extremely high interest rates—up to 32% on loans that he is trying to secure to set himself back up in business. He is concerned that he is being penalised, as if his insolvency was the result of mismanagement or poor creditworthiness rather than extraordinary and unforeseeable external circumstances. That not only hinders recovery efforts but may discourage future entrepreneurship. I would be grateful if the Minister would address the experience of both my constituents, as well as how the Government can recognise the financial hardship that many taxpayers across the UK suffered during the covid-19 lockdowns and ensure that similar experiences will never happen in the future?