Mr Luke Charters

Park Home Owners

I thank my hon. Friend the Member for Rushcliffe (James Naish) for bringing the voice of park home owners to Parliament. For many people, choosing a park home is not just a housing decision; it is about investing in the next chapter of their lives. It is a choice for peace and a slower, gentler pace of life. People sell their brick-and-mortar homes and invest their life savings. They are not chasing luxury; they are seeking a bit of security. Sir Alec, you will know that in York and North Yorksh

Child Maintenance Service

The Government’s planned major changes to CMS payments are welcome, but my casework inbox is inundated—absolutely chock-a-block—with complaints about the CMS’s poor customer service, which is damaging the lives of dozens of my constituents in the process. What steps can my hon. Friend take to rapidly improve the effectiveness of the CMS?

Car Insurance Industry: Fraud

I thank my hon. Friend for drawing attention to that example. Large language models can be in one’s pocket, and such documents can be generated even without internet connectivity. When I was in the counter-fraud sector, I used some of the AI models that criminals had in order to create hypothetical, fabricated documents. My team created some of those documents—bank statements and identity documents—and showed them to me alongside real documents—and I, an experienced fraud practitioner, could not

Car Insurance Industry: Fraud

It is a pleasure to serve under your chairship, Ms Lewell. I genuinely thank the hon. Member for North Shropshire (Helen Morgan) for securing the debate. I will confine my remarks to ghost broking, which she referred to. I gave a speech on that subject at the Association of British Insurers last year, and I have a keen interest in it, given that I had a career in counter-fraud. The first point that I want to make is about the nature of the phantom protection that consumers so often receive when

Council Tax Debt Collection

9. What assessment his Department has made of the potential impact of council tax debt collection practices on households in financial difficulty.

North Atlantic Submarine Activity

While the hon. Member for Clacton (Nigel Farage) talks down our Royal Navy, I think the House is today united in praising it for its work to deter Russian activity at deep sea. Does my hon. and gallant Friend agree that, through Atlantic Bastion and the emerging defence SMEs, defence companies should get the finance they need to be able to thrive and protect our deep-sea assets?

Council Tax Debt Collection

Working with the charity StepChange, we have seen that some councils are too often moving too quickly towards bailiff enforcement action. Would the Minister consider issuing best practice to councils to ensure that vulnerable households are supported instead of too often being pushed into further financial misery by overly aggressive enforcement action?