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Written Question
Motor Vehicles: Credit
Tuesday 16th December 2025

Asked by: Bambos Charalambous (Labour - Southgate and Wood Green)

Question to the HM Treasury:

To ask the Chancellor of the Exchequer, what assessment she has made of the potential challenges of a motor finance redress scheme which does not fully reflect consumers’ actual financial losses.

Answered by Lucy Rigby - Economic Secretary (HM Treasury)

It is vital that consumers have access to motor finance to enable them to spread the cost of a vehicle in a way that is manageable and affordable. We want to see this issue resolved in an efficient and orderly way that provides certainty for consumers and firms.

The Financial Conduct Authority (FCA), as independent regulator, has set out its proposals for a motor finance redress scheme. In its consultation, the FCA has set out how it expects consumers to be appropriately redressed. The FCA also sets out proposals on how firms should support vulnerable consumers, and address any gaps in their records, and what controls should be in place to ensure they operate the scheme in a fair and transparent way.

Throughout the consultation period which closed on December 12, the government has encouraged all stakeholders to fully engage with the process so that their views can be considered by the FCA. The FCA has indicated it will finalise the rules of the scheme in February or March 2026.

Written Question
Bank Services: Post Offices
Monday 24th November 2025

Asked by: Bambos Charalambous (Labour - Southgate and Wood Green)

Question to the HM Treasury:

To ask the Chancellor of the Exchequer, what plans she has to facilitate discussions between Post Office and the major banks on expanding in-person banking services at post offices.

Answered by Lucy Rigby - Economic Secretary (HM Treasury)

The Government recognises the importance of access to cash and banking services for businesses and individuals, including those who may be in vulnerable groups or require assistance and is supportive of industry initiatives that improve access to these vital services.

The Post Office plays a key role in supporting access to banking services. Under the Banking Framework, a commercial agreement between the Post Office and 30 banking firms, personal and business customers can withdraw and deposit cash, check their balance, pay bills and cash cheques at 11,500 Post Office branches across the UK. The specific services provided under the Framework are subject to commercial negotiations between individual banks and the Post Office, and the Government has no role in deciding what these arrangements are.

The Government would welcome continued collaboration between Post Office and the banking sector, on a commercial basis and will look to host joint discussions with Post Office and the banking sector in the coming months.

Written Question
PAYE
Tuesday 7th March 2023

Asked by: Bambos Charalambous (Labour - Southgate and Wood Green)

Question to the HM Treasury:

To ask the Chancellor of the Exchequer, if he will make an assessment of the effectiveness of HMRC in enforcing the agency regulations when collecting PAYE tax from agencies.

Answered by Victoria Atkins - Shadow Secretary of State for Environment, Food and Rural Affairs

Agencies must deduct Income Tax and National Insurance Contributions (NICs) at source from payments of earnings to agency workers. HMRC’s processes for collecting any Income Tax and NICs due from agencies under Pay As You Earn (PAYE) are the same as those for other employers.

Where HMRC finds that a UK agency has failed to account for Income Tax and NICs in circumstances where the agency rules apply to them, it will usually seek to recover unpaid amounts due from them. Whether the agency rules apply in a particular case is dependent on the facts of that case.

Speech in Commons Chamber - Wed 19 Oct 2022
Economic Responsibility and a Plan for Growth

"It is less than a month since the former Chancellor delivered his “Let’s call it a fiscal event” Budget. The so-called mini-Budget turned out to be a full-on, unmitigated, colossal disaster. To say that that horror show of incompetence spooked investors in the financial markets would be an understatement.

The …..."
Bambos Charalambous - View Speech

View all Bambos Charalambous (Lab - Southgate and Wood Green) contributions to the debate on: Economic Responsibility and a Plan for Growth
Speech in Westminster Hall - Tue 08 Feb 2022
Yazidi Genocide

"It is a pleasure to serve under your chairmanship, Mr Hollobone. I thank the hon. Member for Argyll and Bute (Brendan O'Hara) for securing this important debate. Many horrors, atrocities and human rights abuses have been committed during the war in Syria, but the genocide against the Yazidi people carried …..."
Bambos Charalambous - View Speech

View all Bambos Charalambous (Lab - Southgate and Wood Green) contributions to the debate on: Yazidi Genocide
Speech in Public Bill Committees - Tue 02 Nov 2021
Nationality and Borders Bill (Fourteenth sitting)

"The Government have tabled new clauses 29 to 37 to replace clause 58, which was a placeholder clause on age assessments. Colleagues have already made the point about lack of scrutiny. Having received these new clauses so late in the day, we have not had a chance to see proper …..."
Bambos Charalambous - View Speech

View all Bambos Charalambous (Lab - Southgate and Wood Green) contributions to the debate on: Nationality and Borders Bill (Fourteenth sitting)
Speech in Public Bill Committees - Tue 02 Nov 2021
Nationality and Borders Bill (Fourteenth sitting)

"New clause 11, which replaces clause 61, significantly expands the jurisdiction of the Special Immigration Appeals Commission. On the face of it, this is a highly draconian measure that has been introduced at a very late stage in the Bill’s passage through Parliament, limiting the scrutiny. The new clause will …..."
Bambos Charalambous - View Speech

View all Bambos Charalambous (Lab - Southgate and Wood Green) contributions to the debate on: Nationality and Borders Bill (Fourteenth sitting)
Speech in Public Bill Committees - Tue 02 Nov 2021
Nationality and Borders Bill (Fourteenth sitting)

"I will also speak to clause 63, because the two clauses seem to be interconnected.

We think that these provisions are unnecessary and should be removed from the Bill. The Government’s proposals in both clauses are unnecessary. The Bill requires the tribunal procedure committee to give the tribunal the power …..."
Bambos Charalambous - View Speech

View all Bambos Charalambous (Lab - Southgate and Wood Green) contributions to the debate on: Nationality and Borders Bill (Fourteenth sitting)
Speech in Public Bill Committees - Tue 02 Nov 2021
Nationality and Borders Bill (Fourteenth sitting)

"I will come on to that topic, but those powers already exist, and I do not think that further regulation of this type—forcing the tribunals committee to supply this information—is the correct way of going about this...."
Bambos Charalambous - View Speech

View all Bambos Charalambous (Lab - Southgate and Wood Green) contributions to the debate on: Nationality and Borders Bill (Fourteenth sitting)
Speech in Public Bill Committees - Tue 02 Nov 2021
Nationality and Borders Bill (Fourteenth sitting)

"My hon. Friend makes an excellent point. Throughout this Bill, some crumbs of legal aid have been provided in different circumstances, yet the Bill makes it difficult for lawyers to assist those people for whom legal aid is provided, and now they seem to be penalised for not being able …..."
Bambos Charalambous - View Speech

View all Bambos Charalambous (Lab - Southgate and Wood Green) contributions to the debate on: Nationality and Borders Bill (Fourteenth sitting)