Consumer Affairs

Thursday 11th September 2025 Westminster Hall

[Dame Siobhain McDonagh in the Chair]

15:00

[Matt Western (Warwick and Leamington) (Lab) [R]]

I beg to move,

That this House has considered consumer affairs.

It is a pleasure to serve under your chairship, Dame Siobhain. You will be familiar with the expression “knowing the price of everything, but the value of nothing”. Perhaps that was yesteryear, or possibly yesterday, but today I want to say this. UK consumers are now living in a land of confusion; nothing is what it seems. In fact, a staggering 82% of the British public feel that they are paying more but getting less. Products are not what they were, and services are not all they seem. Prices are not even the same between the same company’s stores—and whether in store or online, the advent of new technologies, such as algorithmic pricing, brings further opacity.

Let me turn to a simple item. Every day, so many individuals get a meal deal, and they might get a bag of crisps in that meal deal. I opened up one of those bags of crisps just the other day and I found 20 crisps in a bag of crisps that cost a pound. That filled just 40% of the volume of the bag. When I put in for the debate, I said to colleagues in the Chamber, “When did you last try to book a flight? Don’t tell me: when you went on the portal, you looked up the flight and it said, ‘Just two flights remaining!’” Everyone just smiled at me. They knew exactly what I was talking about. We are just about to check out on that flight and, woah, the price has just increased. Products are packaged so that we cannot see or gauge the contents. Labelling is deliberately so opaque that we are not aware of the true contents.

Today, I will argue that British consumers are getting a raw deal. They feel they are being ripped off—they know it. How many times have I listened to supermarket chief executives saying that the consumer wants choice, while at the same time those companies make any choice comparison virtually impossible? I am not even talking apples and oranges; I am talking about comparing oranges with oranges or apples with apples. It is all produce that would be bought by weight, but it is often sold by quantity instead, and the sizes vary. Some things are priced per kilo; others, in adjacent baskets, are sold per 100 grams. Mental maths is needed, but why?

We have not even got to quality. Elsewhere we see products that are wrapped and labelled, so we cannot see the entire contents, as they are partially masked, and there are products that shrink and shrivel in size from one year to the next. Brands are happy to exclaim when they promote something with 10% or 20% extra free, but they never tell us when they have shrunk the product by 10%, 20% or 30% or when they have made changes to the quality of the ingredients. Of course we have regulators, but if we ask any consumer, they will tell us that nobody is standing up for them. For years, we have lived in Rip-off Britain, and it is time that the Government appointed a consumer champion.

In the time I have, I want to focus on the grocery sector, supermarkets and other retailers’ variable, opaque or misleading pricing strategies, and other sectors too. I will also consider the practice of dynamic and algorithmic pricing and subscription traps, before turning to the regulatory landscape. I could also talk about water bills, insurance premiums and so many other sectors, but let me start with groceries, because of course they are one of the main constituents of every household’s cost of living.

In June 2025 in a survey by Which?, 94% of people cited the price of their food shop as the reason for their cost of living increasing. According to the same research organisation, trust in the food and grocery sector has fallen to the lowest level in 12 years. The Food Standards Agency said in its research that 91% of consumers were concerned about food prices.

We are talking about products packaged so that we cannot see their contents and labelling deliberately so opaque that we are not aware of the contents. Other constituents complain about shrinkflation. Indeed, a Which? survey in 2023 found that a huge 77% of shoppers have noticed shrinkflation in their shops—products getting smaller while the price creeps up or even rockets. Fast-moving consumer goods are an obvious area. You cannot imagine the years when I was growing up, Dame Siobhain, but back then a Mars Bar was pretty sizeable. If we look at one today, and it is the same with a bar of Dairy Milk, the size is a fraction of what it was.

[Dame Siobhain McDonagh (in the Chair)]

Not to mention Wagon Wheels.

[Matt Western]

There are other products available, Dame Siobhain, but I will not give an entire list of them. Whatever someone’s guilty pleasure is, though, the products that they have grown up with and loved are not what they were.

Even tubes of toothpaste in boxes, despite appearing to be a similar size to the product bought a few months ago or a couple of years ago—whenever it was—have been reduced in size from 100 ml to 75 ml. Pats of butter were 250 grams when I was growing up. Then they were reduced to 225 grams and now they are 180 grams. Then there are packets of digestive biscuits; I think we are all familiar with those. I will not go into particular brands, but they were recently reduced in size from 433 grams to 400 grams, with no indication that they had been reduced, other than a discreet numeric tucked away on the packaging, where it cannot be found. Whatever the product, the same applies.

Of course, nearly all of us rely on supermarkets for our groceries, but we are not happy. In 2023, Which? conducted a survey of more than 2,000 UK adults and found that two thirds of them felt that supermarkets were ripping people off through the prices in their convenience stores, which are often more expensive than the larger stores and rarely stock budget items at all.

Every year for four years in my constituency of Warwick and Leamington, I have been buying a basket of products in a supermarket’s in-town store and its out-of-town store, in order to compare the prices. The two stores are owned by the same company: it happens to be Tesco, but I have also just done it for Sainsbury’s as well. I wanted to see what the discrepancies were by buying the mainstream, everyday products that households depend on. I am sure that I could also talk about Morrisons, Aldi, Asda or whatever supermarket it may be; I do not mean to simply identify the two supermarkets that I mentioned before.

I buy the products within an hour of each other on the same day, so that no one can say, “Oh well, it was a different day,” or, “It was a different delivery,” or whatever it might be. I also do my own market research. The price discrepancies are shocking and appear arbitrary. The worst case was a bottle of wine that was 60% more expensive in the Tesco Metro store versus Tesco’s own superstore. That is incredible but true.

There are other examples. Sainsbury’s sells the identical bleach in its express store for a 38% mark-up on the price in its main store, and it adds a premium of up to 11% for basic items such as cornflakes, eggs and biscuits. As I say, Tesco was no better, as it charged an additional 39% for apples in its Metro store and 27% more for bananas. At £3.20, a pat of butter was 64% more expensive in the express store in the heart of Leamington, right in the centre of the town, than in the superstore, which is not a mile away, where it was £1.95.

I will leave you with one key fact, Dame Siobhain. As I said, 94% of people recognise that groceries are a major driver of their cost of living inflation. I wanted to look at the same basket, going back in time. In 2021, the basket that I bought then cost £28. Four years on— today—it costs £38, which is £10 more expensive from a base of £28. These findings from the last four years are substantiated by Which? research. It found that three quarters—75%—of consumers said that they find the price of convenience store food too expensive compared with the price in larger supermarkets, and nearly half—45%—struggle to find affordable food in convenience stores.

On the Business and Trade Committee, we recently held an inquiry into this issue and we asked retailers about these price differentials. They cited the different cost base for their operations. I used to work in business; I worked in a corporate for 24 years. Of course, I appreciate that there is a different cost base, but the same logic could be applied to a rural store or a small town store versus a major town store, or we could compare a different cost base between the north of the country and the south of the country, or between different regions.

I appreciate that rents and labour costs vary, as do disposable incomes and weekly expenditure. When we put that to the supermarkets, Sainsbury’s said it charges

“a slight premium to reflect the increased cost”.

That “slight premium” is on average 8%, but I gave the example of 60% for a bottle of wine and the huge mark-up of 64% on a pat of butter. These are everyday products. I do not buy the supermarkets’ argument. First, they never used to differentiate between stores decades ago; there was a national price. Secondly, there is a big social injustice here. More often than not, those stores are the only choice for the elderly and infirm, or for students and others who do not have easy access to good public transport or affordable private mobility. One constituent wrote to me last week and said:

“I am someone who is affected by the inflated price of food and goods in Tesco Metro, The Parade, Leamington Spa. This is my local shop which is the easiest one for me to access. I consider it wrong that I have to pay more than if I shopped at the big superstore in Warwick. I am a pensioner on a limited income so every penny counts.”

Let me look further into opaque pricing. The Competition and Markets Authority in 2023 found that supermarkets allow “unhelpful inconsistencies”. I suggest that it is incredibly helpful for the big retailers, who confuse and perhaps manipulate consumers. I recognise that the Price Marking Order 2004 has recently been updated to address some of these problems, and the CMA and trading standards should take necessary enforcement action when they are presented with evidence of misleading pricing practices. As I understand it, from next April we will see improved industry practices, so that comparisons are much easier and enforcement action is taken against businesses that are not compliant. These big brands are built on trust, but they have all the power versus the consumer.

It is not just groceries or supermarkets; in any shop, products may be plastered with “was” and “now” labels, claiming discounts. The same Which? investigation in June this year uncovered questionable and dodgy pricing tactics at Sports Direct that it alleges may break the law. Researchers analysed the prices of 160 different products sold on the Sports Direct website and found examples where the savings suggested by the higher reference point—the recommended retail price—did not appear genuine. For 58 of the 160 products, Which? found no retailer selling them at or above the Sports Direct reference price. Under existing consumer law, Sports Direct could therefore be involved, as I understand it, in misleading actions.

Elsewhere, Which? found electronics retailers using sneaky “was…now” pricing practices that mislead shoppers by exaggerating discounts. In an analysis of televisions sold by major UK retailers, more than half—56% of cases —had a “was” price that was not the most recent price charged before the promotion, which can create the illusion of bigger discounts than in reality. As a result of those misleading pricing strategies, Which? researchers found that 84% of consumers do not trust these claims.

It is not just about products; it is in the services sector as well. Turning to tickets and bookings, dynamic pricing exploits consumers. There is pressure at checkout and no transparency about what is happening, be it trains, hotels, airlines or gigs. I mentioned flights earlier, and talked about the “two seats left”. Airlines argue that what they are doing is in keeping with demand, but I argue that they seek to confuse consumers.

How many of us, maybe in the last few months, have tried to book a summer holiday? We think we have booked the luggage and x, y, z, but it is not clear. We are pressured into buying more luggage capacity and into additional expenditure. The same applies to hotels, which always have “three rooms left”. We start the process and then the price changes at checkout. It has happened to me, and I am sure to everyone who is watching this debate. The most egregious examples have been flight tickets to major football matches. Back in 2019, a flight to Madrid was typically £50. As soon as the champions league final was announced, it surged to £750 to £1,000 for a seat. Fans rightly described that as shameless greed.

The same applies to tickets for gigs. There was a huge public outcry at the seedy scam, just last summer, that was Oasis and Ticketmaster. Ticketmaster also came before the Select Committee. Which? saw evidence that fans were shown one ticket price when they were queuing for tickets, only to have that price taken away at the last second and replaced with a far higher, unexpected ticket price when the page reloaded. However, the consumer was committed; they had spent an hour or longer on the system, and the system knew it. We could say, “Computer says yes”, but at twice the price or more. In one example, the cost of standing tickets, originally advertised to the consumer for £148.50, surged to £337.50 each due to in-demand pricing. That meant that four standing tickets could cost an eye-watering £1,400, once service and order-processing fees were included.

I turn to subscription traps. We have all been stuck in unwanted subscriptions, and I am happy that the Digital Markets, Competition and Consumers Act 2024 has given new rights to consumers. Too many are trapped in subscriptions, and it will help to ease that burden. I am proud that the Labour Government are being proactive, with a consultation on subscriptions that closed in February. I ask the Minister, however, what assessment has the Department made of the responses thus far? I urge him to do all he can to back consumers against unscrupulous firms that use those subscription models.

Why does all this matter? Products on the shelves are being deliberately presented in a misleading way. It is becoming a wild west for consumers, and I fear that things will only get worse with real-time pricing changes, for example, through electronic price labels on shelves. Ultimately, there is a power imbalance between big brands and consumers, because the brands and retailers have the data. I would argue that they are profiteering while vulnerable people are being exploited; trust is at a record low. It seems that the CMA is not doing enough for consumers and trading standards are under-resourced.

I will talk briefly about some recommendations that are both simple and complex. There are specific reforms that we can introduce, and they are championed, for example, by Which?. They include a new ban on using dynamic pricing to increase a price once a transaction has begun. The Government could also make life easier for consumers by ensuring that shops display clear and consistent unit pricing to allow people to make a more informed choice. Greater responsibility could be moved to national regulators for the most complex businesses operating nationally. Strategic regional and national hubs could be created with a critical mass of resources and expertise to tackle local crime and to proactively address consumer harms.

Trains and train tickets are another example. A constituent wrote that there should

“be limits introduced on maximum pricing—for example for people going to work, it is just stupid pricing and is pricing people out of commuting.”

His dad used to travel from Leamington to London every day for work in the ’80s and ’90s, but that is no longer affordable. He suggests scrapping peak fares on nationalised trains, and it is interesting that in recent days, Scotland appears to have announced that it is looking to do that.

I also ask the Minister to consider banning dynamic pricing in certain sectors where the market conditions lead to time pressure and a power imbalance. Perhaps more simply, I ask for trading standards to be given more funding and more officers to investigate. The CMA needs to use its power to investigate with vigour, so it also needs additional resourcing. There are clear laws in place to prevent consumers from being ripped off in this way, and the CMA and trading standards should take the necessary enforcement action when they are presented with evidence of misleading pricing practices, but we need someone on the side of consumers to call out rip-offs, scams and basic profiteering. I want to introduce the idea of a consumer champion who has the power to call out those rip-offs and to stand up on behalf of consumers against big business.

In conclusion, I want to see a Government who are more on the side of the consumers. Of course we need successful businesses, but there is such a big power imbalance right now and it is only going to get worse. Unscrupulous firms are profiteering while consumers are getting ripped off and do not trust businesses. We need to bring order back to a chaotic market, so consumers have more information and are more empowered. We need to rebalance the asymmetry that exists between consumers and businesses. The Government should urgently look at what legislative reforms they can introduce to provide greater protections for consumers, because constituents all too often get a raw deal while firms profiteer.

We must make change, and we could make it quickly. We need to stand up more for consumers by saying no to clear profiteering, the shrinking of basic elements, price gouging and dodgy pricing strategies, and yes to transparent prices, fair markets and the trusted brands that we all used to know and love. We need someone to stand up and be on the consumer’s side. We need a consumer champion.

[Several hon. Members rose—]

[Dame Siobhain McDonagh (in the Chair)]

Order. I remind Members that they should bob if they wish to be called in the debate. I can see they are doing so, which is good.

15:20

[Jim Shannon (Strangford) (DUP)]

It is a real pleasure to serve under your chairship, Dame Siobhain. It has been a while since you chaired Westminster Hall; it is always a pleasure to see you and I wish you well. I thank the hon. Member for Warwick and Leamington (Matt Western) for leading the debate; he is right to highlight all the issues, as well as the examples in relation to his shopping.

I am a diabetic, so I should not be having chocolate, but the odd time that I do, I notice that there are fewer M&M’s in the bag and that a Flake is shorter, smaller and thinner than it was. That probably applies to all the others too, because the price of chocolate and other ingredients has risen. I understand the logic: to keep products at the same price, what is in the bag needs to be restricted.

That is an example of where consumer rights can come into play. Consumer rights are incredibly important, and I have no doubt that we have all had complaints from constituents in some capacity or other involving purchases. It is good to be here to discuss the issue and to make people aware of their rights.

I welcome the Minister to his place and wish him well in all he does. His appointment is a recognition of his ability and interest in the Chamber and outside. He and I share many of the same interests, including human rights and religious persecution. His new role is different from that, but I congratulate him on it.

The hon. Member for Warwick and Leamington referred to flights. I will be getting a flight—hopefully tonight—from London City to Belfast City. It happened to be the cheapest flight, which is the reason why we took it. We usually go from Heathrow. There are occasions when there are only two places left and the price is £640—that happens. Believe it or not, a flight that could be £200, £300 or £400 on one day, could be £640 on another day. We have no choice, because if we do not fly home, we will not get home—the options are very limited.

What about everybody else? One time I made a complaint and asked an urgent question in the Chamber on it. We all turned up for a flight at Belfast City airport, but it had been cancelled three weeks previously. Guess what: it was still showing on the board, we were cleared through security, and we had the boarding passes, but it was a non-existent flight. It was only when we got to the other side that we suddenly found out there was no flight and there had not been a flight for three weeks.

To be fair to British Airways, it reimbursed everyone on that flight. Even though the flight was showing on the board, I found out that it had been cancelled from a disabled guy who was taken through by assistance personnel. When he got through to the far side, he said, “Jim, this flight’s not on, you know.” I said, “What do you mean—it’s on the board?” He said, “No, it was cancelled three weeks ago.” Again, this was a case where consumer rights came into play. To be fair to British Airways, I had a meeting with the chief executive, who recognised the problem and the reason for it. He made sure that every one of the passengers that day was reimbursed or got another flight in lieu.

In Northern Ireland, we have Consumerline, where people can seek advice and report any issues that they have. I have to say that my office and I have a great working relationship with it. We have been in touch regarding faulty goods, scams, service issues and unfair contract matters.

Another notable organisation back home is the Consumer Council for Northern Ireland, which is mainly for issues relating to energy, water, transport or postal services. The list of issues that comes before us as MPs is ginormous. The Consumer Council has also been crucial in providing support for parking fines, which have become an increasingly massive issue in my constituency. Indeed, not a week goes by that we do not have one or perhaps two parking ticket issues—it could be that someone has parked in a disabled section that is not marked, or perhaps there is no sign on the road.

We have to make sure that if a parking ticket is handed out, it is done within the legislation. For instance, when people park at a shopping centre in an area for certain people, or in a private car park, the law is often not clear, and there is an element of greyness. On many such occasions, we have contested parking fines and won, simply because the law is unclear. The ordinary man or woman who finds themselves with a parking ticket probably says, “Oh, I’ll just pay it,” but sometimes, they do not have to. There are occasions when they should make contact with the Consumer Council or Consumerline and check their rights.

I want to highlight a consumer rights issue that I have been dealing with in my office. I was approached by a young couple who had just purchased their first home—they called it their forever home—at the start of 2024. As hon. Members can imagine, they had saved for years—I know them personally—and paid a significant amount for their new build home. They were fortunate, probably, in this day and age to have a good deposit to get them on their way, but to this day, they are still having issues in relation to their snag list. Some 20 months later, minor issues are still unresolved.

Again, the Consumer Council and Consumerline have been very proactive and helpful in trying to sort those matters out. That matters, because after all the avenues have been exhausted, if the issues are still unresolved, the only route to go down is a legal one, which would add more cost for that young couple who just want to enjoy the home that they worked and saved so hard to purchase.

The hon. Member for Warwick and Leamington has previously raised the importance of transparency in pricing, especially online, and he mentioned it today as well. He is absolutely right. For example, with hotel or flight bookings, the add-ons are often left until the very end, and are not transparent. We see these offers of flights to, for example, Cyprus for £59, and then we find that there is an extra cost for baggage. If we want an aisle seat, that is another £20. Before we know it, that £59 has become £159. Those add-ons are an issue for consumer affairs. Those questions are asked in my office every week, as I suspect they are asked in the office of the hon. Member and other hon. Members. Prices are never included in one figure, which can leave the consumer extremely confused.

As I have noticed myself over the last few years, there is no doubt that goods and services are getting much more expensive. The hon. Member mentioned the issue of chocolate as an example; I have found that there are fewer peanuts in the bag. I love nuts, and Brazil nuts in particular, but I have noticed that they are getting smaller—perhaps the crop has not been good, but I suspect that is not the reason. It is because they are chopping them in half and into quarters, and there are fewer of them in the bag than there used to be. I can understand the logic behind it—it is to keep the cost the same, by reducing the amount in the bag—but that is an issue for consumer affairs. Is there somewhere people can go to? They need to have some contact and the ability to speak to support when they have a question to ask.

To conclude, organisations such as the Consumer Council are there for a reason. It is great that they are in place to support consumers, especially when large amounts of money have been paid. It is a bit of an initiation for the Minister today, but I look forward to what he will tell us. I hope that he will commit to ensuring that the people of the United Kingdom of Great Britain and Northern Ireland are protected, and that more will be done across these nations collectively so that people get value for money and decent services. It is what they pay for and what they deserve.

15:29

[Dame Meg Hillier (Hackney South and Shoreditch) (Lab/Co-op)]

I congratulate my hon. Friend the Member for Warwick and Leamington (Matt Western) on securing this important debate. I extend my congratulations to my hon. Friend the Member for East Renfrewshire (Blair McDougall) on his elevation to His Majesty’s Government. It is an honour and a privilege to be a Government Minister, but there are obligations and responsibilities too. I have some asks for him, which I will come to at the end. I am sure he will listen to them and take action. I should declare an interest as a leaseholder, as I will touch on some leasehold issues.

My hon. Friend the Member for Warwick and Leamington talked about a Mars bar, which took me back to my youth. I do not know what size a Mars bar was then, because we had it sliced up and shared between us. I could be getting into a bit of a “Monty Python” story, but perhaps if I had kept to that my figure would be less robust than it is today, so maybe there is an argument for that.

My hon. Friend also touched on the poverty premium. Some people are able to buy things cheaper because of where they can go to buy them. The point about differential pricing is an interesting one, and I would add that loyalty card pricing is a real concern now. It is effectively exchanging data for a discount: we can pay extra if we do not have a shop’s loyalty card. If we have a smartphone, we can jump outside, get wi-fi or a signal and perhaps download one, but we are giving away our data in order to get a discount, and the difference in price is quite extraordinary. There is a lot going with respect to pricing, and my hon. Friend addressed it particularly well. He quoted Which? a lot, and I pay tribute to it for its relentless work in standing up for consumers.

I want to talk about protecting consumers, including in financial services, and how innovation can support the consumer. Importantly, it is not all about regulation, but I will touch on that too. The Treasury Committee, which I have the privilege of chairing and whose core membership is in the room today, has been looking at a number of these issues. Obviously, there is a lot of discussion of them. The Chancellor has been clear in her Mansion House speeches about making sure the financial services sector is able to help facilitate growth. We all absolutely support that, but we need to be careful to get the balance right. The regulator, the Financial Conduct Authority, has to regulate against harm while, as its secondary objective, facilitating growth. There can be a tension there.

There is an onus on us in Parliament—I am sure the Minister will have something to say about this—to make sure that our constituents are protected, and we must understand that there are different grades of understanding, particularly in the financial services area. We need to help, support and educate people, but we should recognise that there are people who will always be vulnerable and others who can be vulnerable to certain types of schemes.

The Committee has looked at finfluencers, the people who pop up on our social media feed and tell us, as they stand by their Porsche or villa with a swimming pool, how they have done very well and are going to share their tips. Of course, a number of them tip over into giving advice rather than guidance on financial services, which is a very dangerous area that the Committee is looking at. It is a challenging area to deal with. The FCA has told us that Meta—I should call it out—has not been ready to take things down very quickly when it has been alerted to them. If a major regulator like the FCA has challenges getting a major internet provider to deal with these things, then that is a really big battle.

That is a huge challenge, not just for the Government, but globally, because a lot of these people are not even based in the UK. I would be interested to know the Minister’s thinking on how we deal with that legally, even with the Online Safety Act 2023, which does not really cover a lot of this. I am not suggesting for a minute that he or the Government have a solution, because it is a very challenging problem to solve, but I am interested in what the Government are looking at.

We also have artificial intelligence coming into the financial services sector. There are examples of people who have put models into four different AI systems and come up with what is quite good guidance but very close to advice. One that I came across recently actually recommended investing in a particular named company. This is a very interesting and challenging area to regulate and, again, the Treasury Committee is looking at AI in financial services. There is an awful lot of potential, but there is a lot of risk as well. I know that it is a core area for the Department for Business and Trade to consider, along with the Department for Science, Innovation and Technology. I am interested to hear the Minister’s thinking on how the Government will make sure, as best they can, that they are a step ahead in protecting consumers against the risk involved.

Of course, consumers in financial services have a lot to lose. It is always said, “Don’t invest what you can’t afford to lose,” but if we are to encourage people to invest more, as the Chancellor is keen to do, we need to make sure that people really understand that and protect them from losses, which would be very damaging for many of our constituents—certainly the poorest, and even those on modest incomes who would not have the money to lose.

The FCA has also proposed allowing contactless payments to be unlimited. During covid, we saw the contactless limit go up, and it is often even higher on mobile phones. Many of us will have lost a card and only found out because something has gone out of the account. I pay tribute to my bank; I will not name it—it would, perhaps, be unfair for me, as Chair of the Treasury Committee, to pick one out just because of my own consumer moment—but it was very quick off the mark in realising that there had been some fraud. The payments were only very small amounts, but they were outside my normal pattern of purchases. The bank rang me and went through the security processes thoroughly to make sure that the card was stopped and I was reimbursed. The banks are doing a lot of work, but the challenge of increasing freedoms is that on the other side there is the risk of fraud, so thinking about how consumers will be protected is important.

Not long ago, the Treasury Committee published our report on access to cash. We held a very illuminating set of hearings. We highlighted in our report that, with fewer places accepting cash, certain groups, such as older people, those on lower incomes who use cash for budgeting, those with certain disabilities and those in domestic abuse situations, often have nowhere that they can buy things. Dame Siobhain, I think it was you who coined the phrase “the poverty premium”. Some big businesses, and others, will not accept cash. That means that the poorest, who budget with cash, have to travel further. Sometimes they will not be able to buy in their neighbourhood, have not really got the means to travel and have to pay the higher prices of the shops that will still take cash.

I should say that the Association of Convenience Stores is clear that it wants to see cash accepted, and many such stores do. As a point of principle, I sometimes go into the big supermarkets with cash and say, “Where can I queue?” There is often a longer queue for the machine that accepts cash, and it marks out those who only use cash. Mostly, they are not in my situation—I could pay with a card or a phone. They pay with cash because that is how they budget, and they do not want to risk spending more than they have got.

We know the challenges with paying in cash for electricity. There has been some progress in making sure that bills are equalised between those paying on a meter and in cash, but that has taken many years. I have been in this place for 20 years and, dare I say it, Dame Siobhain —it is hard to imagine—you have been here longer than me, and we know that that was a very big battle to fight.

One of the other things about getting consumer affairs right is that if consumers are supported, confident and protected, that hopefully means they have more confidence to buy. We saw the good news that consumer spending was up this July, but it has been a very challenging time for the economy. This Government inherited a really big set of challenges from the last Government, thanks to the Budget of September 2022. There were world events as well, but that dented consumer spending and raised mortgage rates, meaning that people have less money to spend.

I want to touch on the regulation of e-bikes, which is about protecting consumers. According to the London Fire Brigade, e-bikes are one of the major emerging causes of fires. One of my fire stations, in Shoreditch, has been holding what might be called amnesties. Delivery drivers will often buy an extra battery online in order to boost the range of their bike, because of course they make money on the number of deliveries that they make. They have been invited into the fire station to have them checked, and a number have been found to be dangerous. In particular for someone living in shared accommodation in London, if the battery in the bike in the hallway—which might be their livelihood—catches fire, it can be devastating. It can lead to loss of property and loss of life. It is really important that we give some thought to the regulation of e-bikes and batteries.

I have many issues with Lime bikes, which I will not go into now, but one of the things that legitimate e-bike providers, whether for sale or hire, would agree with me on—we do not agree on everything—is the need for proper regulation of e-bike batteries. We need to make sure that online sellers do not get away with selling dodgy batteries and that there are better checks in place. The Minister may not be able to give me a detailed answer right now—he has only been in the job three or four days, so I do not expect a full answer—but if he is not able to answer some of my points, it would be helpful if he could write to me. I have many constituents who are very concerned about these issues.

Utilities is a big area of concern. I have the privilege—I should state for the record that I am speaking with irony—of being a Thames Water customer, as are my constituents. We have seen the challenges there. I am sure the new Secretary of State will be as robust as the last in trying to tackle that. We have had a poor service, with burst water mains and our bills just going up all the time. That does not feel good for consumers. We need to make sure that the Government are given all power to their elbow in trying to tackle the water companies.

One thing that is very specific to the Minister’s Department is the licensing review. Again, that affects a lot of businesses in my area. It is partly about regulation, but it aims to equalise the price of licences at a lower level nationally. This is a very specific point, and I will be writing to the Minister or the Secretary of State on about it, but the London Local Authorities Act enables inner-London boroughs in particular—it affects them most—to charge a certain rate for licence fees for businesses. Hackney has the fastest-growing economy in London, according to the Office for National Statistics and the Greater London Authority, and many of its businesses require licensed premises. Equalising the rate at a lower level will reduce the council’s capacity to enforce licensed premises.

As it is now, licensees pay a fee, and they know that the bad licensed premises will also be inspected—there will be regular review points. That works well, because the good providers are very concerned that the bad providers should not get away with it. If the fee is equalised at a lower level, Hackney council stands to lose up to half a million pounds a year in fees, and will have no ability to carry out the enforcement work as proactively as it does.

We have a high density of licensed premises in Shoreditch and in Dalston, which I have had the privilege of representing since last year. Providers on those strips are very keen to have good enforcement. One licensee said to me, “Every morning I wake up and check my phone in case anything happened the night before,” because they know the responsibility of being a good licensee; it is really important to protect their customers, and also the sector as a whole, because people flock to my constituency to use these premises. If the council is unable to enforce on bad behaviour by licensees, that will damage the sector—and, I contend, damage the growth that is happening in Hackney.

Hackney South and Shoreditch is only half an hour away, so if the Minister or one of his team wanted to visit, or to bring officials in for an explanation from the council, I would very much welcome them. I hope that this issue will be considered. We certainly do not disagree with removing regulation or easing the path for businesses, but if we throw out the baby with the bathwater, we could end up with worse than we started with.

Insurance is another big issue for consumers. It seems incomprehensible to many people how much insurance premiums have gone up. Again, the Treasury Committee called in the insurance companies and raised some of the challenges with them. I will not go through that in detail—not least because most hon. Members in the Chamber were in the room when we had them in—but the costs for leaseholders seem to be going up, and there is a real issue about support for leaseholders, particularly in respect of transparency and accountability for service charges.

As I mentioned, I am a leaseholder myself. We get several long spreadsheets of information about how money is allocated, but it is very difficult to judge whether we are being charged a fair amount, whether that is for window cleaning, general cleaning or insurance. Obviously, since the tragedy of Grenfell, insurance for a block will be not just for the flat and the floor concerned, but for the whole building, and that has caused premiums to shoot up, but they have gone up by an incredible amount given the actual rate of tragic incidents—the reality has not matched the cost of the potential liability—so that is a big area of work.

That is also affecting consumer spending. Many of my constituents are first-time homeowners, who bought their dream homes as leaseholders. Some are shared owners, and they are in the worst of all worlds; they pay a mortgage on one portion and rent on the other, but they have responsibility for the whole thing, including all of the service charges and any remediation works that need to take place—I will leave cladding aside for a moment, but other works may need to take place—and then they are trapped, because the service charge and mortgage have gone up, and sometimes their rent has too, and they are unable to sell. Many are very much trapped in that situation.

On consumer affairs, I must of course mention the issue of cladding. Many of my constituents are still waiting for the first bit of work to be done; all they have had is a slight investigation to determine that the cladding needs to be removed. Sometimes it is only a small amount, but because of the risk-based approach, those with the least cladding are sometimes at the back of the queue. In many cases, scaffolding has not even gone up. We are in 2025. The tragedy of Grenfell happened in 2017, and by 2018 it was very clear what the problems were: a failure of regulation over many generations, which has led to a real problem. That is one of the biggest consumer scandals of a generation.

I know that it is not in the Minister’s Department, but we now have the Building Safety Regulator. My constituents and I are impatient for work to happen as fast as possible. We need to step up not just the number of skilled people to do the work, but—the trade deals done by the Minister’s Department may help with this—the supply chains, so that the necessary materials are available alongside the skills. There is so much more that I could say on this—I have repeated it endlessly in the House—but people are trapped. They have lost faith in the housing system. They feel, quite rightly and understandably, that they were sold the dream and bought a home in good faith, and now they are living the nightmare and trapped. Often, they want to move to a bigger property but are unable to do so because they cannot sell theirs. There is an awful lot to be done there.

More widely, there are options with regulation: we can have regulation that is very heavy-handed and protects people but can be a burden on businesses, but we can also have self-management. We saw that the regulation of building safety went way too far in one direction. Regulations were removed incrementally, so that no one knew who was responsible for certain things and proper checks were not done. We need to get the balance right. Self-regulation can work very well, but there needs to be a robust and, in a way, fearsome regime to make sure that it is audited. There is no point in saying to a sector, “Self-regulate,” if that is not double-checked and triple-checked at some point, so that the sector knows that the heavy hand of the regulator, whoever it may be, can come down heavily on it. If the Government are moving away from regulation—as we are certainly seeing in financial services—or trying to loosen it a bit, we need to make sure that we watch very closely, protect the consumer along the way, and get key assurances in place.

This is an important debate, and there is so much more that I could talk about. I started with Mars bars and ended with building safety, which shows the gamut of important issues that matter to consumers. We need to make sure that they are protected from the worst harm while innovation in things like fintech can give people more choice—that is also important.

15:47

[Steve Darling (Torbay) (LD)]

It is a pleasure to serve under your chairmanship, Dame Siobhain. I congratulate the hon. Member for Warwick and Leamington (Matt Western) on securing this important debate. What we have heard from hon. Members has been extremely wide-ranging. I will focus the vast majority of my speech on ticket touting and scalping. However, I want to reflect on what we have heard from hon. Members on shrinkflation and on how important it is to allow the public to understand the true price of goods. I look forward to hearing from the Minister on that, and also on the challenge of the Tesco Metro in the town centre having significantly higher prices than the out-of-town supermarkets. That is a significant issue in my constituency of Torbay. It is perverse that those who are poorest have to pay more because they are least able to jump in a car, and very often do not own a car, so have little choice but to use the Tesco Metro, or a similar shop, in the town centre. I would like some reflections from the Minister on that.

We also heard about e-bikes. It would be welcome to hear the Minister talk about regulations around e-bikes. The problem is not just e-bikes catching fire but the irresponsible ownership of them, and the fact that there is no age limit on their ownership. I spoke to a police officer earlier this week, and that was one of the challenges she faced. In addition, often those using e-bikes are up to no good, so greater regulation around e-bikes and some words from the Minister would be extremely welcome.

I will move on to the main meat of my speech. Concerts are an extremely enriching part of our lives. In my youth, I may have gone to a Deep Purple or AC/DC concert, but my guilty pleasure was going to “Abba Voyage” not that long ago. This is my only pun: we are seeing dirty deeds done not so dirt cheap to our consumers. Surge pricing and hidden costs are absolutely shameful.

Concerts are a way of driving tourism. I would not have gone to Leipzig a couple of years ago had it not been one of the few venues that I could easily get to to see one of my favourite bands, Goran Bregović and his Wedding and Funeral Orchestra. In my constituency of Torbay we have Electric Bay, an outstanding festival that was headlined by Fatboy Slim this summer on the Saturday night. Taxi drivers and those in the hospitality industry told me that the bay was buzzing, and that it was better than a bank holiday weekend. However, there are opportunities for ticket touts to come into play for these types of festivals.

One of my staff was impacted by ticket touting on Ticketmaster for the Oasis concert—there is no accounting for taste—which the hon. Member for Warwick and Leamington mentioned. He spent hours online and saw the ticket go from £135 to more than £300—the surge pricing that we believe is wicked. On the secondary market, we saw that same ticket go up to £6,000. It is utterly shameful. I am aware that Ticketmaster sometimes labels tickets as if they are platinum when they are actually the same as standard tickets. Regulation is needed in these areas. To stop this, we need to take some inspiration from Ireland, where there are limits of 10% increases and surge pricing is banned in both primary and secondary markets. We need to allow true fans to sell on the tickets they are no longer able to take advantage of, but limit the additional handling fees to a reasonable level and ban surging.

Concerts are an outstanding way of enhancing one’s sense of wellbeing, relaxing and, probably most importantly, developing a sense of community. However, we need to ensure that people are protected when buying tickets, because we all need a bit of light relief in the challenging world that we all live in now.

15:53

[Dame Harriett Baldwin (West Worcestershire) (Con)]

It is a pleasure to speak for the Opposition in this interesting debate; I congratulate the hon. Member for Warwick and Leamington (Matt Western) on securing it. I add my congratulations to the hon. Member for East Renfrewshire (Blair McDougall) on his appointment. I look forward to potentially confronting him, but sometimes agreeing with him, at the Dispatch Box on numerous occasions.

It has been an interesting debate. The hon. Member for Warwick and Leamington is right to raise concerns about a range of different challenges with pricing practices. Consumers often find them confusing and frustrating, and sometimes find themselves completely out of pocket, which is a very annoying feeling. I think we can all agree that transparency and fairness need to be at the heart of our consumer markets. My particular pet peeves, quite a few of which were listed by the hon. Member, include subscription traps—they have definitely got me quite a few times—and the meal deal where I think I have the elements right but have not, and end up paying more than I should. Unclear sizes is another issue. There are also the three-for-two offers where we do not buy the right three things but do not realise that until we are in the queue for the checkout. The one thing that I think is probably a good thing, though, is the shrinkflation of the Mars Bar; we probably need to welcome that as a sign of human progress.

We have also heard some really interesting contributions this afternoon from the hon. Members for Strangford (Jim Shannon) and for Hackney South and Shoreditch (Dame Meg Hillier). I have the honour of serving on the Treasury Committee, which is chaired by the hon. Lady, and today she outlined many of the different ways in which consumers can encounter challenges in the financial sector. The hon. Member for Torbay (Steve Darling) also made a very interesting speech.

The one thing that I want to pick up on in my remarks is flexible or variable pricing, because the hon. Member for Warwick and Leamington outlined some of the drawbacks of such pricing, and how we can feel—particularly if we have to use the railway at peak times—how unfair it is. However, I will just caution colleagues against throwing the baby out with the bathwater regarding flexible pricing, because the flipside of it is that it allows businesses to offer much cheaper prices when demand is low. Consequently, it helps consumers to access goods and services at a price they can afford that they might otherwise miss, and it enables venues to fill their seats, airlines to fill their planes and retailers to manage their stocks efficiently. So long as flexible pricing is transparent, there are benefits for consumers and businesses.

Key to consumers getting good prices is creating good competition in markets and keeping inflation down but, frankly, both those things are being exacerbated by the Government’s current economic approach, particularly inflation, because last year’s Halloween Budget included the tax hikes, the increased national insurance contributions and the reduced business rates relief that are pricing a lot of small businesses out of the market. Those are the very businesses that drive competition, and that can keep prices down. Without them, consumers face fewer choices and therefore higher costs.

I will give an example from the night-time economy. According to the Night Time Industries Association, we have seen a worrying decline in venues across the UK. Recent research has revealed that over a quarter of our towns and cities that had a nightclub before the pandemic now have none, and that 16% of our towns and cities across this country have lost all their late-night venues entirely.

We will hear from the Minister about the Government’s plans to cap ticket resales. Those plans risk making things worse. Capping resale profits at 10% might sound like a fair idea, but in practice it risks harming small venues and up-and-coming artists. It places additional costs on already stretched businesses, and opens the door to the black market and scams. We have seen this play out. We can learn from the state of Victoria in Australia, where a 10% profit cap on ticket resellers did not stop tickets from being sold above the price cap; it just resulted in a spike in the number of scammers, and tickets only being available to international buyers. So, the Minister might want to ask his team about that situation.

We have also seen that in Ireland, a 10% tax on ticket resellers caused an increase in scams. And last year, at the wonderful Paris Olympics, viagogo was banned. Because viagogo is a ticket resale company, that meant that there were empty seats at many Olympic events. So, the ban deprived fans of spontaneous access to the Olympics, and athletes of full audiences.

I urge the Minister to be wary of unintended consequences and to look closely at the proposals. The Government’s approach, as we understand it, risks penalising fans, artists and venues alike. This issue is not just about ticket touts; it is about ensuring a vibrant cultural sector, in which people can access live events safely and affordably. Regulation, if it is done badly, risks moving all of this activity underground.

I wholeheartedly endorse what the hon. Member for Warwick and Leamington said about keeping consumers informed, making sure that information is clear and ensuring that consumers are not misled. Let us support competition; let us enable a thriving small business sector and not stifle it; and let us back businesses that make our economy dynamic, diverse and responsive to consumer needs.

In summary, I agree that we need to be vigilant about unfair practices, but we must also be pragmatic. The best protection for consumers is thriving, competitive markets, not ones burdened by excessive regulation and shrinking opportunity.

16:00

[The Parliamentary Under-Secretary of State for Business and Trade (Blair McDougall)]

It is a pleasure to serve in my first debate as a Minister under your chairship, Dame Siobhain. I congratulate my hon. Friend the Member for Warwick and Leamington (Matt Western) on securing this debate. I would have felt cheated had the hon. Member for Strangford (Jim Shannon) not been at my first outing as a Minister. He mentioned that perhaps this work was different from the work that we had done together previously on human rights. I think there is a lot of overlap, because on human rights we are asking for people to be treated with dignity and to be treated fairly under the law, and I think it is the same with consumer protection. What there is also in common is that when those rights are not respected, that causes enormous anger, so I think there is considerable overlap.

This has been a fantastic debate, with many different issues raised. I will refer to as many of them as possible. I thank my hon. Friend the Member for Hackney South and Shoreditch (Dame Meg Hillier). I had hoped, as a matter of professional pride, to get through the whole debate without the ministerial get-out of “I will write to you about that”, but she asked me to write to her, so I thank her for saving me.

The hon. Member for West Worcestershire (Dame Harriett Baldwin) and my hon. Friend the Member for Hackney South and Shoreditch made similar points about ensuring that innovation is balanced with consumer protection. I am quite encouraged, in my first few days in this job, by the approach of the leadership of the CMA as a watchdog. It is very clear that it will bare its teeth at the most egregious abuses of consumers, but where having a lighter touch and some guidance would be better, it is doing that, so that the innovation that was mentioned is not lost.

I am looking forward to working on the licensing review—particularly because it means I get invited to a night out in Hackney. We will add that to the diary pile in the office. My hon. Friend gave the example of Meta and asked about acting quickly online. I think the CMA now has the online interface orders, which allow it to quickly ask companies to change or to take down content. We are looking forward to seeing how that operates in practice.

My hon. Friend and a couple of other Members mentioned algorithms and AI. I am really interested in how AI functions here. There was a case in Atlantic City in which there was some suggestion that algorithms were being used to fix hotel prices and operate a cartel, but human beings were involved in that decision making. One of the interesting questions is how we regulate things when AI might be making decisions to breach consumer law, without a human being involved in that.

To come to some of the issues mentioned by my hon. Friend the Member for Warwick and Leamington, it will come as a shock, in a debate talking about the size of Mars bars, that I am no stranger to the confectionery aisle. [Laughter.] In case Hansard did not pick that up, everyone cried, “No!” there. My ire, when a Back Bencher, was actually directed towards the changing size and shape of Easter eggs from last year to this year.

My hon. Friend was right to mention the changes to the price marking order that are coming in in April and which will require consistency in unit pricing, so that people, when making consumer decisions, are able to compare different goods. We are also putting in place more clarity for consumers on multi-buys and things like that, but we need to keep an eye on this. I know that my hon. Friend will continue to monitor it, and that he will make that case very strongly in years to come. In relation to his point about a consumer champion, I think that my ministerial colleague who will be primarily responsible for consumer affairs will hope to feel that that is their role, but I will take the suggestion to the Department.

Many Members spoke about concerns around variable pricing models, such as dynamic and algorithmic pricing, and a broader sense of a lack of transparency in pricing. It is a frontier for regulation—things move very quickly—but we do believe that it is our job to ensure that consumers have protection so that they can easily and accurately compare prices.

As the shadow Minister for business, the hon. Member for West Worcestershire, rightly said, pricing flexibility, when used responsibly, can be good for consumers and business. It can manage demand, improve access and support innovation. We all love a bargain; we all love the January sales. We like discounts for different groups, but against that evolving backdrop, the Government are actively engaging with regulators, industry and our watchdogs. The CMA’s dynamic pricing project is a recent example of that work.

We will strengthen the law where necessary to uphold transparency, as evidenced by the recently implemented ban on drip pricing, which my hon. Friend the Member for Warwick and Leamington referred to as a particular bugbear, to ensure that the price presented at the start of the shopping process is the price that consumers pay at the checkout. The principle that underlines that, and that underpins consumer law, is that consumers must know the price that they will pay, and can make an informed decision about whether that price is right for them. Where that is not the case, the Government and our watchdogs will look to take action.

Dynamic and algorithmic pricing have been spoken about, and they are a growing concern for many Members’ constituents. We know that changing prices in response to demand is an essential part of any market economy, but it needs to be done responsibly and within consumer law. It should not be the case that businesses use technology to rapidly change prices in a way that misleads customers or is otherwise unfair, resulting in them overpaying. That would be wrong in any circumstances, but particularly when so many of our constituents are struggling to make ends meet.

Let me be clear: when consumers are misled or pressured into paying a higher price, that is unlawful. The law, including the recently introduced Digital Markets, Competition and Consumers Act, requires that businesses provide clear, up-front pricing so that consumers understand what they are paying for. Additionally, consumers must be able to evaluate that information in the absence of undue pressure. Aggressive tactics and pressure selling are illegal. When price fluidity or instability puts customers in an unfair position—for example, as we mentioned, in ticketing, when consumers feel that they have to immediately accept a high price for fear of it going even higher—that is unacceptable.

The CMA is acting when businesses fail to comply with those laws. For example, last year, it took enforcement action against Wowcher, which agreed to change its selling practices after concerns were raised about its use of a countdown timer to pressurise customers, among other marketing claims.

Before moving on to Oasis, I should declare an interest, which is that in the late-1990s fight between Oasis and Blur, I was very much Team Blur, so that may inform my attitude towards these matters. The CMA is seeking to make changes to the way that Ticketmaster labels tickets and provides pricing information to fans, in response to concerns about last year’s Oasis sale. Obviously, that investigation has yet to conclude. We will continue to work with the watchdog to ensure that pricing practices are transparent and proportionate, and that consumers have the right safeguards.

The CMA recently examined the use of dynamic pricing across different sectors of the economy, and its report sets out all sorts of conditions that may make dynamic pricing problematic, and the information that businesses should provide to consumers when it is in operation.

[Matt Western]

I should have congratulated my hon. Friend at the very beginning on his appointment—a very warm welcome, Minister, to the role. He talks about dynamic pricing and ticketing. He will probably be aware that in the Business and Trade Committee we looked at Ticketmaster and Live Nation. The Opposition spokesperson, the hon. Member for West Worcestershire (Dame Harriett Baldwin) made some comments about smaller venues. What was striking was the scale of dominance that Live Nation and Ticketmaster have—their control over this entire market.

[Blair McDougall]

My hon. Friend makes a really good point. He referenced the comments made by the hon. Member for West Worcestershire (Dame Harriett Baldwin) on the impact on venues, big or small. It is important to say that there are ways of doing this that are advantageous to everyone. An example that was mentioned to me is Radiohead’s practices in selling their tickets to make sure there was not widespread industrial buying and reselling. There are ways of doing this. The Government really welcome the CMA’s guidance on dynamic pricing, and it has been clear that it will continue to actively review those practices and will tell us if it feels there is a need for changes in the regulatory environment and the law in future.

Another issue that has been raised is personal pricing, where technology is increasingly enabling online businesses to use personal data to set different prices and tailor them to different groups of people. It is not against the law, as with dynamic pricing, to change prices for different groups in a free market; that is part of the functioning of the market. As with dynamic pricing, it can offer consumers benefits, such as tailored deals based on regular purchases, but we know that customers worry about their data being used in more targeted and less transparent ways to set personalised prices that are higher than those they would otherwise see.

The watchword on this is transparency, in accordance with consumer law. It is an evolving issue, and the Government will keep a close eye on developments on this frontier. We will, of course, look to the watchdog to act on any suggestions that consumers are being disadvantaged.

I want to turn to the comments made by my hon. Friend the Member for Warwick and Leamington on the pricing of food and essential goods and services. Other Members made these points too. The difference between the smaller high street supermarkets and the hypermarket is one that I feel very personally. I grew up in a household without a car, so we had to go to the local shop, where there was much less choice and fewer bargains. It is not an easy issue to solve, but it is one that I feel particularly personally.

It is really important in those situations that there is transparency and fairness in pricing. Our role in Government is to protect consumers and ensure minimum standards, including on pricing. Sector regulators build on the framework that we set by introducing targeted regulations to support consumers in their sectors, particularly in essential services such as energy, financial services and telecoms, where affordability challenges are most pronounced for our constituents at the moment.

[Matt Western]

Several hon. Members around the Chamber raised the differential pricing between in-town and out-of-town stores. The points the Minister made are totally right, but when retailers were asked about this at the Business and Trade Committee, they just said that it was due to a different cost base. A corporate has a big cost base. It cannot make the case that there is a different cost base for in-town versus out-of-town stores. It may as well say that it has different cost bases for Cromer and Shoreditch, or wherever—it does not wash. Consumers in different parts of the country, wherever they may be, should be offered, I believe, a uniform price. Pricing should not be to the detriment of those who do not have access to out-of-town stores.

[Blair McDougall]

My hon. Friend makes his point powerfully. The argument that the Government sometimes hear from business is that it is about the cost of the property. He is shaking his head, and I will try to transmit the shaking of his head throughout the system on his behalf. He makes an important point.

I reiterate my thanks for all the contributions to the debate, and congratulate my hon. Friend on securing it. I assure him that we will not be complacent on this issue. Using the DMCC Act and the CMA’s recent work on pricing, we are working to take tangible steps to ensure that pricing practices are fair and transparent, and that businesses across the economy are held accountable.

Where specific markets require more targeted interventions, the Government have been willing to do so. We have seen that recently with the regulation of buy now, pay later arrangements and ensuring that customers continue to pay fair prices for energy. Our work will not stop there. We are always testing the case for going further, working in partnership with regulators and enforcers to ensure that consumers are adequately protected as pricing practices evolve. I thank hon. Members for their contributions to the debate.

16:16

[Matt Western]

I thank all those who participated in the debate. It is a Thursday afternoon, and I would have anticipated that a lot more people would have wanted to speak to this issue. I welcome the points that have been made. We have used examples that perhaps bring a certain lightness to the debate, but they are good examples of what is going on more generally across markets. I am absolutely pro-markets—I used to work for a corporate in a very competitive sector. All I am asking for is greater transparency, clarity and responsibility from the marketplace.

So many points, such as those about variable pricing and drip pricing, were repeated. Some of the examples were about the financial sector and what has happened there. Many of us have seen the scams in that sector over decades, whether it was endowment mortgages or whatever. Most recently, we have seen that about £950 will be paid out to most of the claimants following the mis-selling of automotive finance since 2007.

I was really encouraged to hear what the hon. Member for Strangford (Jim Shannon) said about the provision of a helpline. My goodness—I remember those. Northern Ireland offers that for consumers. Points were also made around experiences in the housebuilding sector. My hon. Friend the Member for Hackney South and Shoreditch (Dame Meg Hillier) talked about the leasehold sector and the management charges.

There are so many facets of the marketplace that we could have talked about this afternoon—so many different categories in which consumers feel cheated by the system. I therefore welcome my hon. Friend the Minister to his place and the vigour with which he will, I am sure, look at this. I will absolutely continue to pursue it.

Question put and agreed to.

Resolved,

That this House has considered consumer affairs.

16:19

Sitting adjourned.