Luke Charters MP: speeches 2025

Speeches

• 13 May 2025 · UK-EU Summit · Hansard source

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  My hon. Friend is spot on. That is why the Conservative party is completely irresponsible. Conservative Members are so out of step with reality that I may as well be asking them to take advice from the stone age. They said that they wanted to take back control once upon a time, but the reality is that over the last eight years they completely lost control of our economy, of our borders and of our future. They do not want the pragmatic, sensible summit next week that will be focused on the future, not the past—a far cry from the chaos and Conservative circus they presided over. Let me move on to something we should all be welcoming: a youth mobility scheme. It is important that we strike the right balance with that, just like we have with other countries we already share deals with. But unlike Conservative Members, who focus on themselves rather than the public, let us talk about how such a scheme would matter to ordinary people. Nobody would want an 18-year-old at the start of their adult life, eager to explore the world, to be limited to just 90 days in Europe. It is natural for young people to swap Bishopthorpe in my constituency for Barcelona for a year or so, or Copmanthorpe for Copenhagen. As a parent in York, I would love for my children to have the privilege to enjoy an experience like the youth mobility scheme: an opportunity that can open minds and broaden horizons. Research from the University of Oxford has shown that mobility schemes lead to returnees who launch their own enterprises, start social ventures, reform hospital practices and launch tech start-ups—that sounds good to me. A really important topic that we must address in the forthcoming summit is defence.

• 13 May 2025 · UK-EU Summit · Hansard source

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  I will not, because we are on a three-minute limit for speeches. Perhaps the hon. Member does not want to give back to the grafters of this country, but I think we should be helping hard-working Brits get through to the gates and straight to their sunbeds. Could we have some co-operation with the EU on airport congestion? There is lots that I could talk about, but I will leave it there. This is about moving on pragmatically and securing our future, just as we have recently with India and the US.

• 13 May 2025 · UK-EU Summit · Hansard source

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  I thank my hon. Friend for that intervention. A youth mobility scheme could be sensible and pragmatic and lead to opportunities across the continent. Let me briefly touch on defence. Last week, I held a Westminster Hall debate about the benefits of a multilateral defence bank. I was pleased to have with me the founder of the Defence, Security and Resilience bank, Rob Murray, who is an inspirational ex-Army officer. I really believe that the UK could anchor a multilateral defence bank at the heart of any future defence pact with Europe. That is the single most transformative lever that the Government could pull to fortify our collective security, acting as an industrial deterrent to Russia. I would welcome my hon. Friend the Minister thinking about that running into next week. Finally, I will touch on holidays. Over the next few months, hard-working families across the country will travel to airports up and down the UK to go away for some hard-earned summer sun. Since leaving the EU, many of us have landed at a foreign airport to see a huge queue and waited with envy as others pass straight through. I would really welcome it if, as a small gesture to give back to the grafters of this country, we could look at a new arrangement with the EU to ease airport congestion.

• 13 May 2025 · UK-EU Summit · Hansard source

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  Next Monday is a really important day, as the UK rebuilds our relationship with Europe. This is a big issue for my constituents, because they were failed for far too long. Let me be clear: I cannot believe that the Conservatives think that they have the credibility to run an Opposition day debate on this topic. The absolute cheek of them is off the scale. They come in here to talk down the merits of the youth mobility scheme—an arrangement that we already have with many non-EU countries. What they are really doing is demonstrating yet again a prehistoric approach to young people across this country. It is no wonder that support for them among that age group is virtually extinct. They want to deny a reset that will benefit our national security, food security and economic security with our biggest and most proximate trading bloc.

• 7 May 2025 · Defence Sector Financing · Hansard source

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  Growth in the defence sector, and allied sectors such as space, will deliver prosperity across the UK. If we can get commercial lending working for defence, it will support growth in those allied sectors too. My hon. Friend the Economic Secretary to the Treasury is one of the most erudite Members, and understands the City of London better than anyone else, so I am sure she agrees with me that there is no better home for the bank than the Square Mile, not least because of our relationships across the Atlantic and our proximity to Europe. My simple ask today is that the Government invite officials from finance Departments around the world to meet in London to discuss and explore the concept of a multilateral defence bank.

• 7 May 2025 · Defence Sector Financing · Hansard source

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  My hon. Friend is a really powerful advocate for the businesses in his constituency, and as I will come on to, a multilateral commercial bank could help commercial lenders lend to the SMEs in his area. When we were at the Guildhall, we were gathering evidence from UK banks, investors, defence primes, SMEs and start-ups. We drafted a light-hearted report, of more than 6,000 words, which is due in the coming weeks. It diagnoses domestic financing barriers for defence companies, which can be summarised as the six Cs: credit, cash flow, capital, contracts, compliance and consensus. I will focus on two of those, credit and cash flow, before returning to the concept of a multilateral defence bank. If the UK is serious about strengthening its sovereign defence capability, we must build a proper defence financing stack, from early-stage equity to multilateral development finance. The stakes could not be higher, as one outstanding British SME founded by a veteran, told me they are likely to move to the US because some of the issues I am about to touch on. We know funding challenges affect all SMEs, but those issues are more acute in defence. The sector’s unique risks, long procurement cycles, unpredictable cash flow and stringent compliance requirements all make commercial lending much harder. Let me start with some reflections on cash flow. We know cash flow constraints significantly increase defence SMEs’ working capital requirements. If a prime contractor delays payments, it creates a knock-on effect that constrains smaller suppliers. Commercial lenders see those risks and apply higher risk premiums to working capital loans—or, in some cases, deny lending altogether. To its credit, the Ministry of Defence under this Government is leading by example, paying 95% of invoices within five days. That is world class. However, some primes are not at that standard, and their slow payment practices squeeze liquidity from the very companies we need to support. I have been told first hand by commercial lenders that they find it difficult to raise lending limits for existing borrowers in the defence sector, or even worse, are not always able to lend to those with promising growth potential. One UK bank, which is doing quite a significant amount in this space, has written to me calling for the creation of a Government-backed defence guarantee scheme. That scheme would allow defence SMEs to access loans that might otherwise be unavailable commercially. It could also increase lending to those with a restricted borrowing capacity, and it could be modelled on existing schemes run by the British Business Bank. We also need to address, head-on, poor payment practices of some of the major contractors. I thought about naming some of the firms under parliamentary privilege, but I shall not. One commercial lender wrote to me with the idea of a prime contractor scheme, where major contractors are required to reduce payment terms or even pay some British defence companies in advance. That could be transformative for SMEs operating in this high-risk sector. Let us back British defence SMEs, not just with warm words but with the finance stack, fair terms and funding guarantees they need to succeed. The two ideas I have set out—a prime contractor scheme and a Government-backed defence guarantee scheme—would both tackle the classic market failure, which is more prevalent in defence. This is where information asymmetries and high-risk premia leave a segment of the market undercapitalised. By underwriting a proportion of commercial lending via Government guarantees, we would be able to reduce some of those borrowing spreads, lower the cost of capital for those firms and better align commercial lending with our national security aims. I warmly invite the Minister to work with colleagues in the Department for Business and Trade and the Ministry of Defence to see whether those ideas have merit. I am delighted to be joined today by Rob Murray, an outstanding ex-Army officer. He has been working on the concept of a multilateral defence bank, known as the Defence, Security and Resilience bank. It would be not-for-profit and is one of the strongest proposals out there because of his expertise and that of his team. A multilateral bank, backed by allies across the world, be it the EU, our North Atlantic friends or Indo-Pacific allies, is the right fit for Britain at this time. Let me set out why. Take the ongoing war in Ukraine. We are already feeling the effects of that in the UK, industrially and financially. While Russia is fighting with artillery, we are fighting with accounting rules. That is why now is the time to be involved as a founding member of a multilateral defence bank. On my earlier concept of the defence financing stack, a multilateral bank would supply a much larger funding source to support large-scale industrial capacity. It would sit alongside the other two ideas I mentioned. It would be a World Bank-style financial vehicle, focused on defence, and it is ready to launch. Owned by nation states, it would mobilise capital into allied defence production and supply chain resilience. It would raise capital at triple A rates and guarantee working capital loans to commercial banks, who would then in turn lend to individual companies. That would mean that commercial lenders would be able to get credit at sensible prices backstopped by a multilateral bank. Not only that but, through its triple-A rating, it could save 50 to 100 basis points for some countries. It would hold factories, tooling and inventory on its own balance sheet, meaning that Governments would not need to borrow and book public debt, creating vital fiscal headroom in the process for nation states. It would crowd in private sector capital and kick-start reindustrialisation in Britain and Europe without breaching fiscal rules, such as my favourite acronym in fiscal politics: PSNFL or public sector net financial liabilities. The reason this idea ultimately wins for me is on value for money. I know through my work on the Public Accounts Committee that it is not just about how much money is spent but how smartly it is spent. This is a great opportunity to continue the Prime Minister’s work to make Britain a leader on the world stage once again. A multilateral bank could unite our allies, and the UK could anchor a multilateral defence bank at the heart of any future defence pact with Europe. The UK and EU summit on 19 May could be an excellent place to start this conversation. It could also include like-minded partners from around the world, be it Canada, Australia, Japan or Ukraine on the frontline.

• 7 May 2025 · Defence Sector Financing · Hansard source

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  There could be nothing more ethical than investing in the companies that support our Ukrainian friends. I believe Britain’s membership of a multilateral defence development bank could cement Britain as a leader not only in financial services, but in defence. Today, I will also talk about how we can bolster our sovereign defence industries by fixing the capital stack here at home and by sorting out the credit and cash-flow issues for British companies. I will just take a couple of steps back. When I was at the Bank of England and the Financial Conduct Authority, I was working on cross-border payments, sanctions and so many related things, but more importantly, I had a front-row seat to the regulatory and financial barriers that defence start-ups faced when I was acting head of compliance at a fintech. I saw how everything from export controls and dual-use rules to complex international regimes made it really difficult for those defence customers. A few months ago, the Prime Minister pledged the largest defence spending rise since the cold war. That sent a clear signal that now is the time to invest in peace. Yet British defence innovators have told me they still face hurdles accessing finance, bank accounts and insurance. That is why my hon. Friend the Member for Aldershot (Alex Baker) and I brought together over 100 Labour parliamentarians to write to the sector, highlighting some of those challenges. Following that, we wrote to the FCA, which helpfully published a statement that, as we have heard from firms, has eased environmental, social and governance perception concerns.

• 7 May 2025 · Defence Sector Financing · Hansard source

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  As always, my hon. Friend is absolutely right. To secure lasting peace, we need greater co-operation in defence procurement and financing with the EU and allies across the world. Last month, my hon. Friend the Member for Aldershot and I warned that Russia plans to produce 4,500 tanks and armoured vehicles this year, plus 250,000 shells per month. That would lead to stockpiles three times larger than those of the US and Europe combined. Let that sink in. This is not a temporary surge; it is a long-term shift. We must match military strategy with financial and industrial muscle through a multilateral defence bank.

• 7 May 2025 · Defence Sector Financing · Hansard source

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  I beg to move, That this House has considered barriers to defence sector financing. It is a pleasure to serve under your chairship, Sir Edward. I thank my hon. Friend the Minister for responding today. Every era has ideas that capture imaginations, but only some give birth to institutions that genuinely have the chance to reshape history. The World Bank kick-started post-war reconstruction, and in 1949 NATO was founded, representing a giant, global step forward towards peace and security—frankly, it is hard to imagine a world without it. The lesson here is clear: when institutions are bold and are built for the long term, they secure the peace that prosperity depends on. Today I want to present another bold idea about an institution that would strengthen and deepen our alliances for generations. What makes this opportunity even more unique is that one of the architects of the concept will hopefully be joining us later. I speak, of course, of the urgent need for a multilateral defence development bank. In my view, that is the single most transformative lever the Government could pull to fortify our collective security.

• 7 May 2025 · Defence Sector Financing · Hansard source

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  I thank my hon. Friend for his sterling work on the Defence Committee. Through our collective industrial strength, what greater deterrent could there be to our adversaries?

• 7 May 2025 · Defence Sector Financing · Hansard source

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  I praise the last Government for their role in setting up the national security strategic investment fund as part of the British Business Bank. One of the problems with it is that it allows lending only to dual-use parts of the defence supply chain. That is an interesting point for the Government to look at. We must not think about these institutions in silos; we have to look at the BBB, the national wealth fund and UK Defence Innovation as a collective to find out how they can best support the sector. Defence has always operated on two fronts: economic and military. This week, we reflect on VE Day 80 years ago. During world war two, factories in Britain were transformed overnight to churn out Spitfires, tanks and munitions, while rationing and war bonds mobilised a home front economy to sustain the fight. Let me be clear: Britain faces strategic competition not just on the battlefield but in our factories, our budgets and our very financial systems. This is not a challenge on the horizon; it is one that is already confronting us, economically, industrially and financially. Turbocharging financial support for our defence industrial base will empower companies of every size and truly build a powerful economic and industrial deterrent. It is time to remove the barriers and act faster, further and more decisively in supporting British defence.

• 7 May 2025 · Defence Sector Financing · Hansard source

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  If we can get the financing environment right for Collins Aerospace, perhaps it can grow at more pace and deliver more high-skilled jobs in my hon. Friend’s constituency, for which I know she is such a powerful advocate. My hon. Friend the Member for Aldershot and I hosted a summit at the Guildhall last month, and we were kindly joined by the Minister for Defence Procurement and Industry, my right hon. Friend the Member for Liverpool Garston (Maria Eagle). Also joining us were defence primes, small and medium-sized enterprises, major banks and other stakeholders.

• 6 May 2025 · Victory in Europe and Victory over Japan: 80th Anniversary · Hansard source

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  In York Outer, we will be celebrating VE Day and the peace we cherish today as a result of the tenacity of the wartime generation. May I take just a moment to set the scene of what VE Day was like in York? After nearly six long years of war, the city burst into life with spontaneous celebration. For the first time since 1939, York Minster was lit up, with its great bells ringing out across the city. There is even a recording on YouTube of the minster’s bells from that day with a comment that the bellringers, like the rest of the nation, may have been a little out of practice. However, on VE Day they rang out with the sound of triumph and relief. It was truly a suburban tapestry of victory in York, with Canadian service personnel seen dancing in Fulford and driving about York on their motorbikes. Bonfires were lit across the city, including throughout the many communities that make up my constituency. One particularly memorable bonfire was in Bishopthorpe, on the very site where the wonderful Bishopthorpe junior school now stands—a symbol, then and now, of hope for the next generation. I wrote to all the fantastic primary schools in my constituency to task our talented pupils with drawing a York street party celebrating VE Day, and one of those drawings is on its way to you, Madam Deputy Speaker. The winning school is Elvington Church of England primary school—it is just a stone’s throw from RAF Elvington, where French pilots flew alongside British pilots for the last years of the war—and I will be writing to the lucky pupil to congratulate them soon. York played a huge role in the second world war, and it continues to do so today. We are home to the Queen Elizabeth barracks at Strensall, to the HQ of the 2nd Medical Group and to many inspirational serving personnel and their families, who serve our country. I am truly privileged to have them in my constituency. We also have the Yorkshire Air Museum in Elvington, which makes a huge contribution to the local area. This week, it will be hosting a “We’ll Meet Again” weekend to celebrate VE Day and take residents back to the 1940s. Finally, I must say that York was truly magical in its contributions to the war effort. It really contributed to the profound victory we had in Europe, and I pay tribute to the families that played their part.

• 28 Apr 2025 · Football Governance Bill [Lords] · Hansard source

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  I certainly do, and that should be the goal of the regulator. Fan engagement is great at York City, but it is not a given elsewhere. That is why the IFR should have a fan advisory board of its own feeding back on its own effectiveness, just as I saw at the FCA with its advisory panels. Moving on, there is no greater problem in football that needs fixing than ticket pricing and I think the football regulator should look at it in future. This is all about giving back to the ordinary working people of this country: the grafters who pay their taxes, working hard all week, just waiting for those 90 minutes on a Saturday. Some championship clubs charged away fans £45 this season, and some league two sides will be charging over £30 a ticket next season. York could be playing in that league next season and it is just not on, so in my view the IFR should have a greater role in relation to pricing.

• 28 Apr 2025 · Football Governance Bill [Lords] · Hansard source

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  I am going to make some progress and allow other Members to speak. Let us roll out an away ticket cap across the EFL and national league, like the one that already exists in the premier league at £30. That is up for review this year. It should not only be kept, but expanded across all divisions as a ceiling, not a target for clubs. I understand the careful balance to be struck on the regulators’ remit, but with prices climbing and no controls we must do something before it is too late. The regulator will cover men’s football, but we should also consider how revenue could be shared to boost women’s football and foundation clubs. Perhaps that should be considered too. The IFR will cover the top five divisions, recognising the great progress the national league has made in recent years. Take Wrexham, who won a third successive promotion, to the championship, over the weekend. The problem, though, is the cap on promotion places, with only two teams going up this season from the national league. There has been a debate for some time about introducing a third promotion spot. In my view, with the IFR, now is the right time. I should declare an interest as York City would be all but promoted by now. This is about opening our wonderful pyramid up, not closing off competition. If I may, I will finish by sharing a further idea about English football. It is 40 years since alcohol was banned in view of the pitch. Perhaps it is time for a modern approach to a modern game. The days of hooliganism are gone. Fans of other sports can drink in the stands, but football fans cannot. Limited trials of designated drinking zones in view of the pitch could be an interesting idea. For me, we should always keep family areas free of that, but let us give fans who want to drink in the stands the chance to do so responsibly, or at least let us have a conversation about it. To conclude, fan engagement has to be at the heart of the reinvigoration of English football. This moment should kick-start a broader conversation about what fans want. It is this Labour Government leading the charge for the hard-working fans of this country. Today is about protecting the fans to inspire the generations of tomorrow and to protect the sport we all love.

• 28 Apr 2025 · Football Governance Bill [Lords] · Hansard source

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  We are here to discuss football, an unmatched force of pride and passion across all corners of the country, from Barnet to Brighton and York City to Yeovil. That is why the Labour Government are introducing an independent football regulator. Today, I am speaking in this debate with a somewhat unique perspective: as a former national regulator at the Financial Conduct Authority, but also as an ordinary person who enjoys watching my local team. I was involved in the FCA’s development of strategy. It moved from what is called a rules-based approach to an outcomes-based approach. In my view, the IFR should adopt a similar approach, based on focusing on what good looks like for football governance and community benefit. Its core goal must be about putting fans at the heart of the game.

• 22 Apr 2025 · Ukraine Update · Hansard source

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  To support our Ukrainian friends, we need a robust sovereign industrial base. One proposal to help finance that and enhance supply chain security is the creation of a multilateral armament bank, such as the proposed Defence, Security and Resilience Bank. Does the Secretary of State agree with me that the Government should explore that potentially game-changing solution?

• 1 Apr 2025 · Eating Disorder Awareness · Hansard source

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  It is a pleasure to speak with you in the Chair, Mr Stuart. I pay tribute to the hon. Member for Bath (Wera Hobhouse) for securing this debate, and of course my hon. Friend the Member for Camborne and Redruth (Perran Moon); he is an inspirational dad with an inspirational daughter, and we all wish his family well. I will speak about eating disorders affecting young men and boys. We need to focus on online influencers and the impact they can have on eating disorders, so of course I must mention the TV show “Adolescence”. An under-discussed theme of the series was the 13-year-old boy’s concern about his own body image, driven by social media. Recent research shows that eating disorders are growing at a faster rate in young men—a concerning trend. Over the last few years we have seen toxic influencers drive false expectations about what young men should look like, and some young boys are being diagnosed with a lesser condition called bigorexia or muscle dysmorphia. Bigorexia drives boys to engage in extreme behaviours such as excessive weightlifting for their age, steroid use and excessive dieting and supplement intakes, all in pursuit of a totally unattainable ideal. “Gym bros” and fitness influencers are giving impressionable young men and boys a false sense of security about many products. Paediatric science is uncertain about the effects of the intake of those products in children, and there are dangerous mental health scenarios as children clamour for them. Such products are often marketed with cheap deals and attractive flavours, such as blazing berry or creatine candy. Another issue is the lack of advertising regulation. Ever-younger children are having that content pushed their way, resulting in a detrimental impact on their lives as they chase an unrealistic body type. This week I am writing to Ofcom and the Advertising Standards Authority, requesting that they review the current guidelines for advertising creatine supplements, low-carb diets and more, all of which I believe are harmful for children. However, we also need positive role models and influencers, particularly in those sport, who can reach the young male demographics most at risk. There should be more airtime for Gareth Southgate than for Andrew Tate. As my son grows up, I say to him, “Being a man in modern Britain is about how you behave, not how you’re built; how you express yourself, not what you eat, and how you support others, not how you suppress your emotions.” Whether we are grandparents, parents, aunties, uncles or anything else, we all want to see the next generation make misogyny extinct, so I make one final request today: it would be fantastic if the Minister could meet me to discuss my campaign to stop the selling of supplements and creatine to children. I have a second son on the way this summer, and I want my boys to grow up to be respectful of women and confident and comfortable in themselves.

• 11 Mar 2025 · Anti-social Behaviour: East of England · Hansard source

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  It is a real pleasure to serve under your chairship, Mr Twigg, and I thank my hon. Friend the Member for Norwich North (Alice Macdonald) for securing the debate. I rise to share case studies that parallel those we have heard from my hon. Friends the Members for Thurrock (Jen Craft), for Hemel Hempstead (David Taylor), for Welwyn Hatfield (Andrew Lewin) and for South West Norfolk (Terry Jermy), among others. Let me take Members all the way back to my time at secondary school, in the wonderful community of Haxby. Unfortunately, that community has declined thanks to the threat and disdain we have seen relating to ASB. We have seen shops’ doors smashed down and fires in parks, with people setting fire to crucial resources for the wonderful people in these towns and villages. Let me give a more recent and striking example. With apologies to any Conservatives present, I will take Members back to the general election. It was a lovely day in beautiful Bishopthorpe. I had been walking up the street and called into a local shop. I saw two people running out of the front door each holding baskets full of instant coffee. Those, of course, were stolen—totally unacceptable—and they were harassing people through the village as they left. I reported that to the staff, but they said despondently that this had all become too much of a regular occurrence, and that abuse and shoplifting went hand in hand. Shoplifting and abuse became commonplace under the Conservatives. They seemed to stop caring about low-level crime. As a result, antisocial behaviour in our constituencies spiked. If someone steals a couple of hundred pounds a few times a week, that is not a low-level crime for a small business; it could be a question of survival, but it also has ramifications for the wider community. Stories travel in closely knit communities such as the ones we represent. Let me share another example of how antisocial behaviour has deeply affected my constituents. One wrote to me about his neighbour’s garden, which is seen as a source of pride by the community; it has been cared for and tended for years. However, a group of youths in the area ransacked the garden, undoing all that hard work, and then, shamefully, they refused even to apologise. I could not imagine how frightening that was for the neighbour, let alone how disheartening it was after he had spent so many years making his garden look so lovely. This Government are all about restoring pride in our communities and in each other. I do not always blame the last Government, because it is more complicated than that. For generations, our young people have not had opportunities, which have been taken away, and they have felt disenchanted. But under this Government, opportunities for young people will change. That is the way we will tackle the root cause of antisocial behaviour. I move on to another case. A constituent told me how his wife was left terrified after her car was followed and she had abuse shouted at her. It is critical that we stop such things happening as part of the Government’s mission to halve violence against women and girls, but the most heartbreaking thing for me was hearing her suggest that such incidents had become normalised in the community and that there was no clear end in sight. That must stop. I will give a final example of antisocial behaviour, this time from Strensall. A father shared with me how his son’s beloved bike was stolen from him while the child was defenceless. This one is personal. As a young dad myself, I would be devastated to see my son upset at the hands of such cruel behaviour in my community. His son is now left without a bike but, more than that, he has lost his confidence. That is unforgivable. The stories we have heard today are just too many and they are all unacceptable. That is why I am pleased that the Government’s Crime and Policing Bill sailed through Second Reading yesterday as we start to get a grip on the common occurrences I have mentioned. I pay special tribute to the Minister, who has been extremely supportive of tackling antisocial behaviour in my community of Haxby. In fact, she was so supportive that just yesterday I received a response from her, for which I am grateful. She is a fantastic Yorkshire colleague and, in our region’s spirit of directness, I want to make a small suggestion. In the community I represent, we find that some of those causing trouble are 15, 16 and 17 years old. The respect orders in the Crime and Policing Bill are a huge stride forward in tackling antisocial behaviour, but they do not apply to 15, 16 and 17-year-olds. Is there a place for something like a junior respect order or some other pilot or tailored measure to root out antisocial behaviour in that age bracket? I want to end by giving a brief shout-out to the neighbourhood policing teams in York Outer, and in particular to Sergeant Henderson, who I have worked with closely. I know at first hand just how committed he and his team are to serving our local community. Like me, he is determined to end the epidemic of antisocial behaviour. I congratulate my hon. Friend the Member for Norwich North again on securing this debate. I hope all Members present can leave in agreement that now is the time to tackle antisocial behaviour once and for all.

• 6 Mar 2025 · Business of the House · Hansard source

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  Today I have joined over 100 Labour parliamentarians in calling for environmental, social and governance rules to be reformed to support investment in defence. At this historic moment, can we have a debate on how the financial sector could step up by helping shore up defence on our continent?

• 3 Mar 2025 · Fire Safety: Local Authority Planning · Hansard source

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  Last week, Labour councillors in York delivered the first local plan—are you ready for this, Mr Speaker?—since 1954, for which they should be commended, but local authorities need planning officers if they are to ensure that applications can be processed quickly. Will the Minister update the House on plans to increase the number of planning officers?

• 11 Feb 2025 · Regulation of the Bailiff Sector · Hansard source

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  I thank the hon. Member for his eloquent words about what is often the most challenging moment in people’s lives. That knock on the door is a cacophony of everything that they are facing, and we have to bear that in mind. The Enforcement Conduct Board voluntarily regulates approximately 95% of the bailiff sector. However, the 5% who refuse to sign up are responsible, in my view, for the vast majority of the worst abuses. Even within the voluntarily regulated sector, problems persist. With hundreds of thousands of visits, millions of cases and billions collected annually, bailiff enforcement is a massive operation, but according to Citizens Advice, one in three people who have had contact with a bailiff have experienced behaviour that breaks Ministry of Justice rules. Even among regulated bailiffs, 1% of visits were deemed aggressive by the ECB in recent research. We need a fair, proportionate and efficient collection system, which is why I am calling on my hon. Friend the Minister to set out a timetable to consult on legislation to introduce statutory regulation of the sector. I call on her to put the ECB on a statutory footing—something that charities and the ECB alike support. The fact that the sector is partially unregulated drives rogue bailiffs. I hope I can convince colleagues from across the House of the need for this change. There were some reforms under the May Government, but this is our chance, as a Labour Government, to stop rogue bailiffs for good. I turn to the link between debt and mental health. Debt does not exist in a vacuum; many people facing bailiff action are also dealing with illness, relationship breakdown or mental health struggles. One person shared their experience of over five years of pressure from bailiffs over council tax debt that they never understood and could not afford. That ultimately led to suicide attempts. I struggled with whether to mention suicide today, but we cannot ignore these cases. Take the case of Jerome Rogers, a young man whose debt spiralled after bailiffs clamped the motorcycle he needed to work. Shortly afterwards, he took his own life. The coroner identified the debt collection agency’s actions as a contributing factor to his death. A woman recounted how a bailiff laughed and mocked her when she mentioned her mental health struggles. And Molly, whose name I have changed, was falsely threatened with prison if she did not grant entry to a bailiff—not a permissible threat, by the way. The stress triggered flashbacks of domestic abuse that she had suffered. I know my hon. Friend the Minister does terrific work on that. Another victim, Poppy—also not her real name—suffered such severe anxiety over bailiff debt collection practices that she had a late-term abortion due to the stress of the situation. These are real stories, and there are so many more. For too long, rogue bailiffs have not met standards when it comes to vulnerability. That is why I dedicate my campaign for bailiff reform to the victims. The effects of aggressive bailiff practices extend to children. One parent described how bailiffs had knocked so many times that they were left with nothing to take except their young daughter’s cot. It is simply unacceptable for children to live in fear due to a lack of regulation in the bailiff sector. As a former regulator at the Financial Conduct Authority, I understand the importance of setting clear standards. The last significant changes to bailiff regulations were introduced over a decade ago. It is time for an overhaul. The Enforcement Conduct Board was established in 2021. It provides guidance but lacks statutory authority. Many firms voluntarily comply, but the absence of legal enforcement means that rogue bailiffs continue to operate with relative impunity. We must introduce statutory regulation to protect vulnerable customers, reduce the burden on the judicial system, improve transparency and provide a level playing field for the genuinely good bailiffs out there. Better standards would level the playing field and support good professional bailiffs to do their work.

• 11 Feb 2025 · Regulation of the Bailiff Sector · Hansard source

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  I beg to move, That this House has considered the regulation of the bailiff sector. It is a pleasure to serve under your chairship, Mr Western. I extend my gratitude to my hon. Friend the Minister for attending this important debate. I will begin with a story. A vulnerable disabled person answered a knock at the door. He placed the chain on before opening it slightly, only for a bailiff to force their way through. The bailiff treated him, in his words, “like a waste of life, a loser, scum”. Worse still, the bailiff went on to wrongfully seize equipment supplied by the local authority to help with his disability. That is not an isolated case. Today, I will share similar stories that expose the impact of a partially regulated sector, and make the case for urgent reform. My aim is simple: I would like the Government to legislate to introduce an independent regulator for the enforcement sector.

• 11 Feb 2025 · Regulation of the Bailiff Sector · Hansard source

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  Absolutely. With that statutory underpinning, the ECB would have much greater avenues for enforcement. It has already done quite innovative work on the use of body-worn cameras and so on. Statutory underpinning would support its work even further. This is not about punishing bailiffs who do their job correctly; it is about removing rogue operators and raising standards across the board. It is important to acknowledge the good work of the Enforcement Conduct Board, but I stress again that it is a voluntary regime, which can create problems as the ECB looks to toughen up standards. On this matter, there are points I would rather discuss privately with Ministers; there are always risks in the long-term survivability of any voluntary regime. Let me touch on a few specific recommendations. I think we should introduce a vulnerable customers charter. Bailiff action is a distressing event for anyone, but for people with mental health problems it can be catastrophic. Aggressive debt collection leads many to take out high-interest loans, worsening their situation. A vulnerable customers charter would set out minimum standards of care. A bailiff registration service and a centralised register would help the public to verify all bailiffs’ credentials, reducing fraud and ensuring accountability. On delegating licensing powers to a regulator, currently, bailiffs must renew their licences in court every two years. A regulator such as the ECB could take that on and streamline the process, reducing pressure on our overstretched judicial system. Rather than resorting to aggressive collection, councils should work with debt advice charities to support people before they reach crisis point. I have heard of cases of aggressive bailiff action for debts as low as £10. We should look at introducing a bailiff services compensation scheme, inspired by similar schemes, to provide clear pathways for redress in cases of clear and historical misconduct by rogue bailiffs. I will close with one final story. Michael, a StepChange client, said of his experience: “The bailiffs are unregulated. It’s like the Wild West. It’s absolutely unruly.” I absolutely agree. We cannot allow this to continue. We have the opportunity to bring order to the sector and ensure fairness for debtors and bailiffs alike. Putting bailiff regulation on a statutory footing could save the taxpayer millions of pounds a year by easing the burden on the judiciary. It would immediately raise standards and protect our constituents in the most vulnerable moments of their lives, saving money and lives. I simply urge my hon. Friend the Minister to confirm today that the Government will consult on bailiff reform. I thank the Money and Mental Health Policy Institute, the ECB, the Money Advice Trust and countless others for their thoughts ahead of the debate. I say a special thank you to StepChange: Vikki Brownridge, Richard Lane, Sophie Morris and hundreds of other StepChange staff do inspirational work to provide vital debt advice at some of the most difficult moments. My hon. Friend the Minister has been a champion for victims of domestic abuse. Today we have learned of yet another grave injustice, which has remained in the shadows for far too long: the scandal of rogue bailiffs, who prey on some of the most vulnerable in our society. I hope that she and the Minister of State, Ministry of Justice, my hon. and learned Friend the Member for Finchley and Golders Green (Sarah Sackman), who I also deeply admire and respect, will stand with me in ensuring that justice is done in this area. I came to this debate with one simple aim: for the Government to legislate to introduce an independent regulator for the enforcement sector. I hope that after hearing the points I have made today, the Minister will set out that they are considering doing exactly that.

• 6 Feb 2025 · Financial Education · Hansard source

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  I thank the hon. Member for Broadland and Fakenham (Jerome Mayhew) for securing the debate. A typical weekend for me starts at the shop, but not a high-street one, although there are plenty of those in York. Instead, it is my toddler’s plastic shop full of fruit, veg and, of course, Yorkshire Tea. When I try to pay with cash, I am told, “No, daddy! Use card.” It is a world away from growing up, even in the 1990s. We face a great paradox in this country. We have a world-leading financial services sector, but, according to a recent UK Finance report, the UK ranks 15th out of 29 countries for financial literacy among adults. It is imperative that we do better here at home. For too long we have struggled to bolster financial education in schools. My wife is a dedicated teacher, whose current battle is teaching children about the value and shape of a 20p coin. On a more serious note, however, I worry about the impact that social media has on children when it comes to financial advice. I call this the “Tiktokification” of financial education. We often see influencers giving out unregulated advice, driving the sale of harmful products plugged as “get quick rich” schemes. As a former regulator at the Financial Conduct Authority, I can say with some degree of certainty that regulators are not up to speed on this. Let me now say something about the insurance sector. At the FCA, we saw that consumers had a poor understanding of matters such as “shrinkflation” when their policies did not keep up to date with their needs. Too rarely did they understand concepts such as auto-renewal. Far too many households, we find in Britain, are either under-covered or over-covered.