Mr Luke Charters
MP for York Outer · Labour · United Kingdom
“When someone says, “It’s gone reyt,” you know it has gone properly well. Many of these words carry real history: “laiking”, “beck” and “fells” are all rooted in Old Norse. Long before Westminster caught up with the north, we were already shaping a language of our own.”
“Research shows that nearly a third of university students have been mocked because of their accent, and almost half of workers say that they face jokes or jibes about the way that they speak in workplace settings—including me, in my experience at the Bank of England. I felt it when I started doing national media as an MP, too.”
“Like many colleagues here today, I was not elected because I sounded polished; I was elected through hard graft and to represent the people who sent me here. I have done my best, though, to get a few Yorkshire phrases into Hansard , because that is how my constituents speak.”
“It is a pleasure to serve under your chairship, Sir Roger. I congratulate my hon. Friend the Member for Leigh and Atherton (Jo Platt) on securing today’s debate.”
“I really appreciate that, and those producers know who they are. I am especially grateful to broadcasters such as Matt Chorley, who is helping to challenge some of the assumptions in national broadcasting and to get regional accents on air.”
“I do not want my two boys, Robin and Louis, to grow up believing that if they want to pass an interview or land a graduate job, the first thing that they have to do is to change how they speak. When a young person starts believing that they have to hide or change their accent, it chips away at their confidence.”
The complete record
Every one of 414 lines we hold for Mr Luke Charters, in date order, each linked to its source. Free to read, in full, without an account. Page 3 of 9.
“I was really pleased that two things came off the back of that. First, some funds marketed as sustainable said they were going to invest in defence companies, because they found nothing in the rules that inherently disbars sustainable funds from investing in defence—there is nothing in the regulator’s rulebook that does that. That is just a fact, and that fact was ultimately confirmed by my old employer, the Financial Conduct Authority. I am immensely grateful to its chief exec, Nikhil, for his speech last year on defence, and for the FCA’s statement. The FCA has been rock solid and clear that there is no tension between ESG regulatory rules and defence financing—none whatsoever. I say to the financial services practitioners who are listening: please take heed of that.”
“I saw 4GD’s founder Rob yesterday, and he has told me countless stories about being debanked. His business is about training British armed forces to do what they do better, so that they are more equipped against our adversaries, safer and more resilient. There is nothing more ethical than that. The fact that high street lenders have closed their doors to that commercial opportunity shows the inherent laziness among some people in compliance departments, who refuse to understand the products and services for which their prospective customers are seeking finance. I am grateful to the hon. Member for Windsor for referencing the work I have done alongside my hon. Friend the Member for Aldershot (Alex Baker). Last year, along with 100 Labour parliamentarians, we wrote to fund and bank managers about ESG.”
“It is worth bearing in mind that these lenders and their compliance departments—and I was from that parish—should really get to know the products and services that their customers want to seek finance for. Another example from my constituency is Edmund Optics, which produces prisms and lenses. There are medical, aerospace, commercial satellite and civilian aircraft applications for those. However, some of those products and services have a dual use—there is also a military use to them. Again, lenders get caught up in a very binary distinction; they should be spending more time understanding the products and services that companies provide. I want to give another shout-out, this time to 4GD, a data-driven defence training SME with which I have worked extensively, along with ADS, the industry trade body.”
“British high street lenders have every right to put up their hands and say, “We do not want to lend to any company that is involved in chemical weapons or cluster munitions.” They have every right to look at some of the United Nations weapons conventions and say, “We do not want anything to do with them.” However, many lenders are not lending to dual-use military equipment makers. I will give some examples. I met a fantastic company, Needles and Pins Aerospace, at Defence and Security Equipment International. The company has found banking, insurance and finance very difficult. It produces the insulation that goes on military helicopters—helicopters, by the way, engaged in humanitarian aid missions around the world. The insulation that goes in those helicopters is not an ordnance or a bomb; it is there to protect our British armed forces.”
“I speak from some professional experience: I was acting head of compliance for a fintech where day in, day out, I had to make calls on whether to do business with some of these customers. ESG can, in limited circumstances, be interpreted as blocking lending to SMEs, something that is inconsistent and increasingly at odds with our national security, industrial strategy and economic resilience. I will touch on what I believe is an artificial distinction between so-called dual-use military technology and single-use military equipment. I come across so many main high street lenders that find this difficult.”
“It is a pleasure to serve under your chairship, Ms McVey. I genuinely thank the hon. Member for Windsor (Jack Rankin) for securing this debate and for his kind words. We can work cross-party to change the culture across financial services with our voices from this place. May I also say what a pleasure it is to be here with my hon. Friend the Minister? I thank her for all her work on Op Courage and Op Ascend, and on veterans’ homelessness. I want to be clear: ESG does not need to get in the way of lending to SMEs. It is important to say from the outset that many conflate ESG rules with broader ethical and commercial decisions that firms make; I will perhaps come back to that.”
“I hope the Minister will take this opportunity to set out how the Government can encourage lenders to turn on the taps for some of the innovative defence SMEs, no matter whether they are producing prisms, training our special forces or insulating our helicopters. There is nothing more ethical, in our modern world, than supporting the defence SMEs that are maintaining our collective security.”
“In an era of renewed geopolitical competition, the question is not whether the state should play a role in defence finance, but whether we are prepared to act now in order to do so with the seriousness that our security environment demands. I believe that a strong defence financing sector acts as a deterrent to some of our adversaries and means that, where we need to scale industrial capability much quicker, we are ready to do so, if we have a defence financing revolution. This is not a choice between values and security; it is about recognising that, in the world we live in, the two are inseparable.”
“In general, the Russian war economy is mobilising at pace. Clearly, when it comes to some of our adversaries’ financing mechanisms, they are daring to do things differently—according, of course, to the rule books and ethics of their particular countries. We need to be agile enough to reform our own financing capabilities at pace, too. I am very concerned that we risk forcing British defence SMEs to seek foreign ownership, to offshore their operations or to seek finance overseas simply to survive. That is strategic self-harm when it comes to our sovereign defence capabilities. You will be pleased to hear, Ms McVey, that I am about to close.”
“When it comes to our European friends, we have to have cross-border financing. I have met some of the main German commercial lenders that want to come in; likewise, British financial services are investing in success stories such as Rheinmetall and some of the great European defence brands. We have to come together, not just with our European friends, but with Canada and other allied nations around the world, to approach defence financing on a multilateral basis. That is the real lesson. Let me touch on what our adversaries are doing. They know that they need to innovate quickly when it comes to building up their own financing capabilities. Russia is moving towards more off-balance-sheet lending to a lot of its defence sector. Russian advance manufacturing companies are increasingly gaining access to the Chinese bond market.”
“I thank Gary at the Marcia Inn in Bishopthorpe and Adam at the Wenlock Arms in Wheldrake for meeting me to discuss support for pubs. The Tories created a ticking time bomb on business rates, then walked away, like someone who spilled a pint and left us to mop it up. Does the Minister agree that this Government are determined to back legendary landlords in Britain, like Gary and Adam?”
“T4. It was great to be at the headquarters of what3words for the speech by my right hon. Friend the Chancellor of the Duchy of Lancaster about moving fast and fixing things. Three words to describe the previous Government are: total utter shambles. Does my right hon. Friend agree that public services must be not only value for money, but delivered quickly, and must have Labour values at their very heart?”
“Children are entitled to 30 hours of free childcare from the term after they turn nine months old, meaning that in practice some children are actually 13 months old before they get the funding. I thank Mr P and my constituent Joeli Brearley for raising this issue. Will the Minister meet me to see whether we can fix this injustice?”
“The Greggs sausage roll is well up there and, yes, I would pick Greggs over Gail’s any day of the week. However, the price of a simple sausage roll has shot up by more than 50% in less than a decade. Something is not quite right there. It has gone up by 53% since 2016—I wonder what happened in that year. If anyone from Greggs is watching, can we have a serious deal on sausage rolls? Perhaps we could have a cost of living week when sausage rolls are just a quid? What can we do? We need supermarkets and big food brands to play their part. They are making record profits, which should come with responsibility. Initiatives such as a cost of living week could be a start. Discounts on essentials, loyalty schemes that really make a difference and fair pricing on some staples should be the norm.”
“If shrinkflation is so significant, does the Minister agree with the idea that it perhaps needs to be reflected on food packaging? Another iconic British institution is the meal deal. We were all devastated when its price tipped from £3 to £3.50 or more—it was £3 in Tesco for over a decade. Can I make a confession to the House? As a tight Yorkshireman, I am always grabbing the three most expensive products—crisps, drink and sarnie—even if I do not really like them, just to get the biggest discount. I have written to some retailers, saying, “Shouldn’t we have a bit of an arms race? Who can be the first supermarket to get the meal deal back down to £3.50?” What a wonderful cost of living measure that would be for the grafters of Britain. As a northerner, can I turn to another place to get a hearty snack?”
“Fewer inspections and mutually recognised standards would mean less time stuck at the border, lower costs for hauliers and fewer spoiled loads. All those savings could be passed on to the hard-working families of this country. Like any toddler, my son Robin’s favourite food item is, of course, the Freddo frog. The famous Freddo index shows that since I was born—in 1995, believe it or not —there has been a 260% increase in the cost of the treasured Freddo. However, we also know of the phenomenon called shrinkflation. A few weeks ago, many of us gathered around the Christmas tree with our families, enjoying a tub of choccies. This year’s tubs of Roses were more than 100 grams lighter than they were in 2018, but the cost has increased by 20%.”
“Over the channel, our European neighbours, to be fair, have also faced rising food costs, but nowhere near as sharply. UK food inflation peaked at nearly 20%, year on year, in 2023 under the Conservative party’s watch, while countries such as Germany and France peaked lower and returned to normal much faster. The UK is worse off, which tells us that we have to work more closely with our European friends. The Prime Minister recently said: “if it’s in our national interest to have…closer alignment with the single market…we should consider that”, and when it comes to food price inflation, I think the answer is a resounding yes. Although Reform and the Tories want to shout at Brussels, that will not pay for people’s weekly food shop. An SPS agreement and closer alignment would strip out so much red tape, checks and delays.”
“It is a pleasure to serve under your chairship, Dame Siobhain. I thank my hon. Friend the Member for Hornsey and Friern Barnet (Catherine West) for securing today’s debate. I know that you have both been consistent voices on food insecurity. I start by giving a shout out to a local legend. Adam Raffell of the York Trussell Trust has done amazing work for families in York, for which I thank him today. I also thank the Prime Minister for his relentless focus on the cost of living, on which we have to bear down. The Food and Drink Federation has shown that, since January 2020, food inflation has consistently outstripped non-food inflation. What was the cause? It was when the damaging and disastrous botched Brexit deal came into effect.”
“My hon. Friend is spot on. If I can give a shout out to one of my constituents, I love buying from Grey Leys farm. It produces the most beautiful Jersey milk. Would it not be brilliant if schools and hospitals in the York area bought local dairy products? Speaking of milk, we should have an awareness of food inflation’s impact on gluten-free and similar products for allergy sufferers and those with intolerances. Tory Britain was defined by misery. Prices were up, wages squeezed and families left to struggle. Today, we are cutting prescription charges, tackling rail fares and easing the pressure where we can, but we must go further on food inflation to support the hard-working families of Britain.”
“Friend the Minister is one of the most impressive forces in British politics; if he can climb Mount Everest in just five days—to raise money for our veterans, no less—I have no doubt about his ability to get to grips with one of the most challenging problems facing defence procurement today.”
“We must learn lessons from those abroad, particularly Leopard, which is a main battle tank. That platform was modular, upgradeable and interoperable, which meant it was a much stronger prospect for our defence export. When it comes to procurement, we should always bear defence exports in mind. There are wider lessons too for the forthcoming defence investment plan, which must make a decisive break. We need a system that is capable of designing and testing earlier on, rather than one that rushes into production in the hopes that problems can be fixed later on. Ajax must be a turning point, not just for this vehicle, but for how we procure defence capability in this country in the future. My hon.”
“The independent Sheldon review is more damning: it found a culture in which bad news was softened as it travelled up the management chain. Senior leaders were left without a clear, honest picture of what was really happening. I thank all the soldiers who stepped forward to raise safety concerns. Despite the warnings that were given, the safety notices that were issued and the whistleblowers who came forward, GD repeatedly underplayed the scale of those issues, so it is reasonable to ask a simple question: if the design ultimately lay with the contractor, would the chief executive officer of GD be happy to have their son or daughter sent on to a battlefield in an Ajax? If those design failures did rest with GD, the taxpayer should not be left carrying the cost of retrofit. I will touch briefly on defence exports.”
“It found that the programme was over-specified from the outset, with about 1,200 individual requirements imposed on what was supposedly an adapted off-the-shelf design. In reality, Ajax was neither off-the-shelf nor fully bespoke, and what was in between was far riskier. Never again must defence procurements over-specify requirements; that should be a red flag right from the start. Computer models were relied upon to assess vibration and noise rather than vigorous early testing. The Public Accounts Committee found that that approach had failed, and that the Department at the time did not fully understand the vehicle’s characteristics before subjecting soldiers to trials. Our armed forces should never have been used as human guinea pigs.”
“It is a pleasure to serve under your chairship, Mr Stuart. I congratulate the hon. Member for Huntingdon (Ben Obese-Jecty) on introducing the debate, and thank him for his service in the Royal Yorkshire Regiment. May I take the House back to a visit I made to the NATO Forward Land Forces contribution as part of Operation Cabrit? I spent time in a Challenger 2 tank, and what was most impressive was not the size, the armour or the firepower, but the complete confidence that its crew had in the vehicle. Ajax was meant to deserve and earn the same trust. Before I come on to the failures in the programme, however, I want to say something about the workers in south Wales: they deserve credit for their graft and determination, not blame. The Public Accounts Committee, of which I was previously a member, has made it clear what went wrong.”
“By my reckoning, York is the biggest winner of this new rail revolution. The new Haxby/York North station; the York station masterplan upgrade; the trans-Pennine route upgrade; and the fantastic NPR new connections—which does my right hon. Friend think delivers the most for my constituents?”
“I am genuinely quite baffled that so many Conservative and Reform MPs are here, given that they have missed important debates in this House on things like employment rights. To be fair to the Conservatives, they went to the debates on VE Day and VJ Day; there were no Reform MPs at those debates. What does my hon. Friend make of that?”
“The hon. Member uses the term “betrayal”. I know he has been a steadfast voice for the defence of the Ukrainian people, so does he agree that the biggest betrayal this country has seen from a politician has been Nathan Gill, the former leader of Reform in Wales, taking money from a foreign power?”
“As a former Financial Conduct Authority regulator, I can tell the House that, although the regulations do not apply to student loans, my honest view is that the communication around student loan repayments, where income is linked to interest rates, feels like a mis-selling scandal waiting to unfold. In summary, the under-30s have been forgotten about in British politics for far too long. You may not believe it, Mr Speaker, but it was only a few months ago that I left that age group—”
“I am still getting letters of support even now. I want to give special thanks to Amira Campbell, the president of the NUS, who is also backing my Bill. She says: “Student finance is in dire need of reform and a review into the payment plan is a great place to start. We’d strongly support this review and a move to monthly payments which would allow students to better budget their income, particularly over the summer where bills come in, but their income does not.” Just briefly on loan repayments, plan 2 borrowers, including me, were never clearly told that higher graduate earnings meant higher loan interest.”
“The simple but transformative fixes I have outlined today would make a huge difference, and student unions across the country, including the National Union of Students, agree. Just some of the SUs that are backing my Bill include Manchester, University College London, Leeds, Birmingham, Exeter, Sheffield, Liverpool, Greenwich, Newcastle and Bath Spa, and these represent around 350,000 students. When we add in Durham, Derby, Bath, Buckinghamshire, Staffordshire, Lancaster, Essex, Leeds Trinity, Chester, Royal Holloway, Bradford, Roehampton, Worcester, the University of Law, Winchester, University College Birmingham, Liverpool Hope, the Arts University Bournemouth, Buckingham and of course York, we have student unions representing a third of all the students in the country supporting this Bill and these small tweaks today. Thank you!”
“The reality is that by the time a student sets foot in their first lecture, they have already navigated a stressful and uneven financial landscape. I heard of a student who could not afford the train ticket to get to university because their student finance had not arrived. Starting uni should be memorable, not miserable. Another student who was a care leaver wrote to me saying that they had experienced the “just about coping” stage at first hand. They recalled the “genuine terror” of not knowing how they would pay their rent because their loan had not landed. Research by Student Minds, covered by the Money and Mental Health Policy Institute, showed that nearly half of students felt the rising cost of living was impacting their mental health.”
“That is why I believe that we should move to monthly payments. Not only would it give students greater financial stability and reduce stress, but it would better reflect the world of work once students leave uni and start getting their first full-time payslips. For second and third-year students, being able to access finance from July, when rent often begins, would be genuinely transformative. At the moment, we force families to step in, or we force students who do not have that safety net into overdrafts. Student finance can also act as a barrier for working-class students from the moment they get their A-level results because of the up-front costs before they even go to university. Pots and pans, rent deposits, books, software, travel passes, course subscriptions—the costs all stack up.”
“Let us imagine receiving four months of salary all at once; that is the system we expect students to navigate. Many are at the point in their lives when they are still learning those essential budgeting skills. The termly payment schedule fuels cash-flow challenges, leading to students maxing out overdrafts—nearly one in three with an overdraft have maxed out their facilities at some point—and creating problem debt, pushing them to other forms of credit simply to get by. There is also a particularly acute pressure point as students transition between years at university, when rent deposits are due before their student finance payments arrive. Students should not be pushed into financial worry, especially after a stressful period of sitting their exams, simply because of a payment scheduling mismatch.”
“Today’s Bill, however, seeks to make student finance work better for the over 2 million undergraduate students in this country, and it would build on the work of this Labour Government to reintroduce targeted maintenance grants for students from the lowest income households. We need to change the way maintenance loans are distributed. Scotland’s student finance system administers monthly maintenance payments. Long story short, that is the model that needs to be explored for England and Wales. It comes at no extra cost and is a no-brainer. Many students face financial strain because maintenance loans are paid termly. For a student receiving the maximum £10,200 outside London, that creates three lump-sum payments of approximately £3,400 each.”
“The system assumes a level of financial resilience that many students simply do not have—and even once students graduate, the problems just do not stop. Repayment is needlessly complex and riddled with ludicrous features, such as charging higher interest rates to those who go on to earn more. The result is a system that adds stress during study, confusion after graduation and long-term financial insecurity for an entire generation. As one of the youngest MPs, who is still repaying a plan 2 loan, I recognise many of those challenges. I work with the University of York students’ union, whose representatives are sat in the Public Gallery, on cost of living issues such as bus fares for students locally.”
“I beg to move, That leave be given to bring in a Bill to require the Secretary of State to review the scheduling of student finance payments to undergraduates; to require the review to consider advance provision of certain student finance payments in certain circumstances; and for connected purposes. Today, I introduce the Student Finance (Review of Payment Schedules) Bill. A former civil servant—one of the designers of the current student finance system—once told me that the loan system has become a Frankenstein’s monster. Maintenance loan payment dates simply do not line up with the reality of students’ lives. Rent and bills are due monthly but student finance arrives in infrequent, uneven chunks, forcing students to budget against uncertainty or rely on overdrafts simply to get by.”
“Yes, I know—my grey hair and tired eyes from my two amazing young boys make me look just a little bit older. It is this Labour Government who are giving younger people a better deal: votes at 16; better wages and rights for student workers; and bringing back targeted maintenance grants. Of course, on the latter, we should always be looking to go that bit further. Reform Members just do not care about young people. They want to cut their wages—”
“Ordered, That Mr Luke Charters, Adam Jogee, Abtisam Mohamed, Tom Hayes, Pam Cox, Luke Myer, Mike Reader, Sarah Russell, Gareth Snell, Afzal Khan, Sam Carling and Dr Jeevun Sandher present the Bill. Mr Luke Charters accordingly presented the Bill. Bill read the First time; to be read a Second time on Friday 16 January, and to be printed (Bill 357).”
“Well, they want to cut the national minimum wage for young people. What a scandal! The Greens are peddling false hope to students and have no realistic plan to help with the cost of living. Their Members are not even here today. And this entire mess is totally of the Tory-led coalition Government’s making—the one I went to university under, by the way. We must help students with the cost of living so that they can live up to their full potential, rather than having a terrible experience at uni because they are struggling to make ends meet. So let us make a simple fix to the timings of maintenance loans to support millions of students up and down the country. Question put and agreed to.”
“Happy new year, Mr Speaker. I am proud of York College in my constituency, where talented students are mastering apprenticeships that will power our clean energy future. York College is considering becoming a clean energy technical excellence college under the outstanding leadership of Ken Merry. Will the Secretary of State welcome that and visit the college to see how it leads the way in further education in preparing for the clean energy jobs of the future?”
“I thank my hon. Friend for securing this debate. Like her, I have fought against fracking for years, but Reform UK wants to drill into our beautiful countryside in York Outer, destroying towns and villages and allowing house prices to plummet in the process. They want to drill into and vandalise our beautiful York and North Yorkshire countryside. Does my hon. Friend agree that Reform poses a danger, that it would totally ruin York Outer and Scarborough and Whitby, and that it must be stopped?”
“My hon. Friend is making an excellent speech. On these planning applications, we must incorporate the fact that fracking leads to water scarcity—and our region has had a hosepipe ban that has only recently been lifted. Would my hon. Friend agree that, when it comes to these planning applications, we must understand the impacts on water scarcity?”
“In that evidence, will the Minister include water scarcity? In York and across the region, people have not been able to fill up a paddling pool, so why should water be used in low-volume fracking?”
“I urge the companies that make those tools to work with the Government and the charitable sector, including great charities such as Samaritans, to do that. We have to embrace AI. There are great opportunities, but there need to be safeguards and support. With that in mind, Britain can be a world leader in AI safety.”
“Members can tell, my greatest treasure is my kids, but when parents put their children’s symptoms into AI, they are putting a lot of trust in AI models. I urge the Government to work with the Department of Health and Social Care and the NHS to make sure that AI chatbots and tools cite the NHS as a single source of truth, not health advice from outside this country. I will touch on mental health as well, because around a quarter of children now use AI chatbots for their mental health. We cannot pretend that people will not use AI as a tool for mental health support, and in particular, blokes out there might well use AI as a first port of call to unpack what they are going through. That should be welcome, but it comes with a great responsibility for the AI tools—Gemini, ChatGPT, Perplexity and so on—to get things right.”
“The more that children learn about AI, and about using it for activities such as homework and coursework, the more I believe we should not be punishing them for using it. Instead, in the future, we should allow students to use AI in some exams to test how they use their AI skills. I met students at Fulford school and York college in my constituency and their message was, “Don’t punish us for using AI when it’s going to become a key part of our employment in the future. Teach us to use it responsibly. Teach us to use it when we come to our employment.” If we do not make that shift now, we will face a productivity puzzle in the future. I will move on to the issue of physical illness. We have all been poorly; we have all picked up an iPhone. As hon.”
“It is a pleasure to serve under your chairship, Ms Butler, especially given your distinguished background in tech and AI advocacy. May I share something that hon. Members will be pleased to hear? I am, in fact, the youngest parent in Parliament, and I am constantly thinking about the place that my young boys are set to grow up in. We expect that AI will form a core part of their lives, even in primary school, which is hard to imagine. The more I think about AI, however, the more I think that we should introduce it in the key stage 2 curriculum, alongside vital safeguards. After all, I was learning to use Google Search at around that age. What is different about using Gemini today? There are potential harms, such as the deeply tragic story of a young boy in the US who sadly took his own life, but AI can be a force for good.”
“More than 30 soldiers fell ill, so I place on record our thanks as a House to Army Medical. Does my hon. Friend agree that when it comes to the forthcoming defence investment plan, Army Medical, of which 2 Med Group is headquartered in my constituency, will stand to benefit from that plan and that we will learn the lessons from this Ajax incident?”
“T8. As you know, Mr Speaker, I am proud to represent York, a city that works hard, has excellent connectivity, two universities, and of course the York Central project, which includes a major Government Property Agency building. Does my hon. Friend agree that it is about time more civil service jobs moved out of London and into York, which is ideally placed to deliver graft and common sense in equal measure?”
“I wonder if my hon. Friend will allow me to raise the case of a single mum in my constituency who unexpectedly became pregnant a third time. It was a time of anxiety for her. She used food banks periodically and worried that she would not be able to afford toys for her kids at Christmas. Does my hon. Friend agree that the two-child benefit cap imposed by the Conservatives is the cruellest Tory policy of all?”