It is of course a pleasure, Mrs Latham, to serve with you in the Chair. I join colleagues in thanking my hon. Friend Holly Lynch for securing this very important debate.

My hon. Friend quite rightly pointed out the importance of this debate, as did my hon. Friend Kate Hollern and other hon. Members. Indeed, it is very important to many of our constituents, who are suffering the results of some of the scandalous actions that we have heard about. Many of them are having sleepless nights and are threatened with financial ruin, which I will say more about a little later.

As other hon. Members have said, with the promise of reducing energy bills and with the Government’s stamp of approval, cavity wall insulation schemes were an attractive proposition that were readily signed up to by many people, including many of my constituents in Bradford East. However, the reality was a far cry from the promise of warmer homes and lower bills. Cavity wall insulation has now left many of them facing financial ruin, because, after it was installed, they began to notice, as many other hon. Members have said already, damp and black mould was growing on walls, ceilings, window ledges and floors in their homes, and their electrical systems were compromised. Their homes became harder to heat and in some cases skin conditions increased. Also, many experienced mental stress, because they constantly had to deal with the problem. It is important to mention the real-life consequences for our constituents.

The cavity wall insulation that was supposed to keep their homes warm instead acted as a bridge to draw in the moisture from the external walls and transfer it inside their homes. Although cavity wall insulation was an excellent way to improve energy efficiency in many homes, which it is if it is correctly installed, in those cases it was discovered tragically that those homes were never suitable for cavity wall insulation or that the work that had been carried out was defective.

Like other hon. Members, I have tens of cases now of people being forced to pay hundreds of thousands of pounds. That is the total accumulated amount, including legal fees, which I will come on to. What is alarming is that in every one of these cases the companies that initially installed the cavity wall insulation disappeared, and my constituents had nobody to go back to to ask for help. They were literally left on their own.

That is where the next serious issue arose, because legal firms were going around, door to door, and promising no win, no fee. Sometimes, that was the only option for people who had very limited means and who had already gone through so much stress. One such law company was SSB Law, which has already been mentioned today; actually, it has now been highlighted by a documentary. I and other colleagues have raised the issue in Parliament. SSB Law took on £200 million in debts in trying to deal with these cases. Actually, the company probably knew that many of these cases never had any chance of success, but they were taken on and there were many victims in Bradford, as we have heard.

My constituents were pursuing financial reparations for damage caused by defective insulation. There was no fault on their part for the situation they found themselves in, but they are now facing demands for payments that stretch into tens of thousands of pounds and are simply unaffordable. Despite the situation, with many of my constituents in Bradford growing more and more desperate, it is clear that no one in the current system has any inclination to deliver them justice. It is therefore equally clear that the Government need to step in and intervene.

There is cross-party support for this issue, and it is not an issue that has never been raised before. According to my research, the reviews go back as far back as 2015, when it was acknowledged by at least one report, if not more, that there was an issue with some of the work on cavity wall insulation and the level at which it was being carried out. Certainly, the matter has been raised a number of times in parliamentary questions and debates, including in 2016 and 2017.

Our constituents are now begging us. I cannot emphasise enough the strength of feeling in some of the conversations that I and my colleagues have had. If it were not for the one-line Whip and the last minute nature of the debate, which only my hon. Friend Holly Lynch could have pulled off as quickly and miraculously as she did, many more colleagues would have been here. We are here to plead that this issue is causing anxiety, stress and depression. I have had people who have not slept for days, worrying. If someone is a pensioner and the only thing they have is their house, and they are already living through one of the biggest cost of living crises and making ends meet, and they suddenly get a demand for £28,000 through the door, that is going to cause untold misery—of course it is.

As was said earlier, the SRA knew about this. A complaint went in about SSB Law way before many of these cases had advanced to the stage where people are now being asked to repay. The insurance company responsible is now not agreeing to pay any of the indemnity insurance that is the legal protection—I will not go into further detail as I suspect the matter will be subject to much legal debate when the time comes.

I respectfully ask the Minister to step in, in the spirit of the cross-party agreement on this issue. I wrote to the Justice Minister about the issue in that spirit more than a month ago, and I have yet to receive a response. All I request is a meeting for MPs to sit down and discuss this issue, because we have a duty to protect those constituents who have been wronged.

I have just three asks of the Minister. First, the Government must ensure that the legal proceedings, costs and demands for payment that our constituents are mired in, along with the charging orders, interest charges and threats of home repossession are dropped immediately. I think the Government can step in to address these issues and to take some action, although I appreciate the legal technicalities. Secondly, the Government must conduct a full review of all Government-funded insulation schemes to identify the total number of homes affected by defective cavity wall insulation, as well as a full investigation into the collapse of SSB Law and the role of regulators in guarding against risks. Thirdly, the Government must convene a meeting between Ministers, energy providers, insulation companies, legal firms and anyone else involved in this scandal to agree steps toward a compensation fund such as the one developed for the Fishwick insulation scandal. That involved insulation of a different type, but there was compensation there. It set a precedent where defective cavity wall insulation was removed from the homes, the structural damage was addressed, and good quality suitable insulation was retrofitted with a 25-year warranty. That is what happened in that case.

I thank again my hon. Friend the Member for Halifax. Thousands of our constituents up and down the country will be very grateful to her for securing this important debate. I cannot emphasise enough how important this area is to our constituents. If we can save further misery, we have an absolute duty to do so. I look forward to working with Ministers to address and end this scandal for our constituents.