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101713

registered interest
date	30/10/2014
answering body	Cabinet Office
answering dept id	53
answering dept short name	Cabinet Office
answering dept sort name	Cabinet Office
hansard heading	Electoral Register
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what action they now expect from (1) the Cabinet Office, (2) the Electoral Commission, and (3) local Electoral Registration Officers as regards (a) the estimated proportion of those attaining the age of 18 who are registered to vote, and (b) the decline in the match rate of those attaining the age of 18 under the new system of individual electoral registration.
tabling member printed	Lord Roberts of Llandudno
uin	HL2522
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p><strong>Through matching against government records, almost 9 in 10 electors in England and Wales were automatically transferred to the new register. </strong></p><p> </p><p><strong>The Government has funded Electoral Registration Officers (EROs) to write to all electors confirming whether they have matched, and inviting those that did not register under Individual Electoral Registration to do so. Non-responders will receive two written reminders and a visit from a canvasser. </strong></p><p> </p><p><strong>The Electoral Commission’s national awareness campaign includes activity aimed at young people. The Commission has encouraged EROs to work with schools to target attainers as part of their public engagement work. </strong></p><p> </p><p><strong>Online registration makes registering to vote simpler and quicker than ever before for nearly all electors - 530,511 16-24 year olds have applied since 11 July 2014.</strong></p><p> </p> answering member printed Lord Wallace of Saltaire question first answered 17/11/2014 14:31:22 answering member 1816 label Biography information for Lord Wallace of Saltaire
tabling member	3691 label Biography information for Lord Roberts of Llandudno

101714

registered interest
date	30/10/2014
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Pupils: Bullying
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what action they are taking to tackle homophobic bullying in schools.
tabling member printed	Lord Lexden
uin	HL2523
answer	answer is ministerial correction date of answer 06/11/2014 answer text <p>The Government has made preventing and tackling bullying one of its top priorities by striking the right balance between schools’ legal requirements, freedom and accountability.</p><p>On 16 October, the Department for Education announced the £25 million National Prospectus grants programme. Voluntary and community sector organisations, social enterprises and other organisations will be able to bid for part of this funding to tackle bullying. On 29 October, in tandem with the Government Equalities Office, the Department also announced that £2 million will be made available in 2015-16 to help schools tackle homophobic, biphobic and transphobic bullying more effectively.</p><p>All schools are required by law to have a behaviour policy with measures to address all forms of bullying, including homophobic bullying. We have strengthened teachers’ powers to tackle bullying and are providing £4 million to anti-bullying organisations that are working with schools and children to combat bullying. We have also issued specific advice to schools on preventing and tackling bullying in which we link to national organisations such as Stonewall who can provide specialist advice to schools to tackle homophobia. This information is published online at:</p><p><a href="http://www.gov.uk/government/publications/preventing-and-tackling-bullying" target="_blank">www.gov.uk/government/publications/preventing-and-tackling-bullying</a></p><p>Schools are also held to account by Ofsted for their effectiveness in managing pupil behaviour and safety, which includes homophobic bullying. Inspectors must consider pupils’ freedom from all forms of harassment, bullying and discrimination. As part of the inspection, schools are asked to make available evidence of records and analysis of bullying, in particular homophobic bullying.</p> answering member printed Lord Nash question first answered 06/11/2014 16:59:46 answering member 4270 label Biography information for Lord Nash
tabling member	4202 label Biography information for Lord Lexden

101718

registered interest
date	30/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Interest Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what is their assessment of the total value of pay day loans extended in the United Kingdom over the last 12 months for which data are available.
tabling member printed	Lord Davies of Stamford
uin	HL2527
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>The Government has made no public assessment of these figures.</p><p> </p><p> </p><p> </p><p>Financial Conduct Authority analysis estimates that in 2013, 1.6 million customers took out 10 million payday loans, with a total value of £2.5bn.</p><p> </p><p> </p><p> </p><p>FCA analysis of payday loans funded in 2013 from a sample of lenders indicates that 56% of these loans were entirely repaid (with no unpaid debt recorded) within 31 days of receipt of funds, and 76% within 365 days.</p><p> </p><p> </p><p> </p><p>Competition and Markets Authority analysis of the prices of payday products shows a range in interest rates and finance charges from £20 to £36 per £100 per month, for 1 month loans. In addition to this some firms charge fees irrespective of loan size of up to £20. Penalty charges of up to £30 are levied on the first day after a payment is missed and, in addition to this some lenders charge over £40 if a customer has not repaid after a longer time period.</p><p> </p><p> </p><p> </p><p>The FCA has now published final rules on its cap on the cost of payday loans. This cap will be in place by 2 January 2015.</p><p> </p> answering member printed Lord Deighton grouped question UIN HL2528 HL2529 question first answered 17/11/2014 14:25:38 answering member 4262 label Biography information for Lord Deighton
tabling member	346 label Biography information for Lord Davies of Stamford

101719

registered interest
date	30/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Interest Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what is their assessment of the proportion of pay day loans extended in the United Kingdom in the last 12 months for which data are available which were entirely repaid within (1) a month, and (2) a year, of receipt of funds by the relevant borrower.
tabling member printed	Lord Davies of Stamford
uin	HL2528
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>The Government has made no public assessment of these figures.</p><p> </p><p> </p><p> </p><p>Financial Conduct Authority analysis estimates that in 2013, 1.6 million customers took out 10 million payday loans, with a total value of £2.5bn.</p><p> </p><p> </p><p> </p><p>FCA analysis of payday loans funded in 2013 from a sample of lenders indicates that 56% of these loans were entirely repaid (with no unpaid debt recorded) within 31 days of receipt of funds, and 76% within 365 days.</p><p> </p><p> </p><p> </p><p>Competition and Markets Authority analysis of the prices of payday products shows a range in interest rates and finance charges from £20 to £36 per £100 per month, for 1 month loans. In addition to this some firms charge fees irrespective of loan size of up to £20. Penalty charges of up to £30 are levied on the first day after a payment is missed and, in addition to this some lenders charge over £40 if a customer has not repaid after a longer time period.</p><p> </p><p> </p><p> </p><p>The FCA has now published final rules on its cap on the cost of payday loans. This cap will be in place by 2 January 2015.</p><p> </p> answering member printed Lord Deighton grouped question UIN HL2527 HL2529 question first answered 17/11/2014 14:25:38 answering member 4262 label Biography information for Lord Deighton
tabling member	346 label Biography information for Lord Davies of Stamford

101720

registered interest
date	30/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Interest Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what is their assessment of the (1) highest, (2) lowest, and (3) average, cost of (a) interest charges, (b) penalty interest and charges, and (c) other charges, fees and commissions, borne by borrowers of pay day loans, as a percentage of the funds drawn down by those borrowers, over the last 12 months for which data are available.
tabling member printed	Lord Davies of Stamford
uin	HL2529
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>The Government has made no public assessment of these figures.</p><p> </p><p> </p><p> </p><p>Financial Conduct Authority analysis estimates that in 2013, 1.6 million customers took out 10 million payday loans, with a total value of £2.5bn.</p><p> </p><p> </p><p> </p><p>FCA analysis of payday loans funded in 2013 from a sample of lenders indicates that 56% of these loans were entirely repaid (with no unpaid debt recorded) within 31 days of receipt of funds, and 76% within 365 days.</p><p> </p><p> </p><p> </p><p>Competition and Markets Authority analysis of the prices of payday products shows a range in interest rates and finance charges from £20 to £36 per £100 per month, for 1 month loans. In addition to this some firms charge fees irrespective of loan size of up to £20. Penalty charges of up to £30 are levied on the first day after a payment is missed and, in addition to this some lenders charge over £40 if a customer has not repaid after a longer time period.</p><p> </p><p> </p><p> </p><p>The FCA has now published final rules on its cap on the cost of payday loans. This cap will be in place by 2 January 2015.</p><p> </p> answering member printed Lord Deighton grouped question UIN HL2527 HL2528 question first answered 17/11/2014 14:25:38 answering member 4262 label Biography information for Lord Deighton
tabling member	346 label Biography information for Lord Davies of Stamford

101721

registered interest
date	30/10/2014
answering body	Foreign and Commonwealth Office
answering dept id	16
answering dept short name	Foreign and Commonwealth Office
answering dept sort name	Foreign and Commonwealth Office
hansard heading	EU Economic Policy
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government why paragraphs 7 and 8 of the European Council’s Conclusions of its meeting of 23 and 24 October were excluded from their Statements about that meeting to both Houses of Parliament on 27 October.
tabling member printed	Lord Pearson of Rannoch
uin	HL2530
answer	answer is ministerial correction date of answer 10/11/2014 answer text <p>Paragraph 7 of the October European Council Conclusions refers to the first of five priority areas (stronger economies with more jobs) of the Strategic Agenda for the Union in Times of Change, the EU’s priorities for the next five years, as agreed by EU Leaders in the June 2014 European Council. <br>Paragraph 8 focuses on European Council support for concrete policy actions to boost investment, especially the Commission’s proposed €300 billion investment initiative, encouraging full use of all existing and allocated EU resources. The UK successfully pushed for private investment to be a key part of this language. The investment package is currently a policy initiative to be discussed by EU Heads of State at the December European Council. The economic growth and jobs that the package aims to stimulate in the economies of EU Member States is of significant importance to the UK economy.</p> answering member printed Baroness Anelay of St Johns question first answered 10/11/2014 15:06:09 answering member 3474 label Biography information for Baroness Anelay of St Johns
tabling member	3153 label Biography information for Lord Pearson of Rannoch

101722

registered interest
date	30/10/2014
answering body	Foreign and Commonwealth Office
answering dept id	16
answering dept short name	Foreign and Commonwealth Office
answering dept sort name	Foreign and Commonwealth Office
hansard heading	EU Economic Policy
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government whether they have any plans to re-consider the reply given by the Lord Privy Seal on 27 October to Lord Pearson of Rannoch (HL Deb, col 1010) to the effect that the European Union’s new €300 billion Strategic Agenda for the Union in Times of Change affects only the Eurozone and that the United Kingdom will not have to contribute to it.
tabling member printed	Lord Pearson of Rannoch
uin	HL2531
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>I refer the Noble Lord to the letter of 29 October correcting the reply, placed in the Library of the House by the Lord Privy Seal and Leader of the House of Lords, the right Hon. the Baroness Stowell of Beeston. A copy of the letter is attached for ease of reference.</p> answering member printed Baroness Anelay of St Johns question first answered 17/11/2014 14:43:37 answering member 3474 label Biography information for Baroness Anelay of St Johns attachment 1 file name 20141029 Lord_Pearson.pdf title Letter of 29 Oct placed in Library of House
tabling member	3153 label Biography information for Lord Pearson of Rannoch

101723

registered interest
date	30/10/2014
answering body	Foreign and Commonwealth Office
answering dept id	16
answering dept short name	Foreign and Commonwealth Office
answering dept sort name	Foreign and Commonwealth Office
hansard heading	EU Economic Policy
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government, further to the remarks by the Prime Minister in response to Cheryl Gillan MP on 27 October (HC Deb, col 36), when they will inform Parliament of the share of the European Commission’s new €300 billion investment package which will be borne by the United Kingdom, whether through the European Investment Bank or otherwise; and when the United Kingdom will have to pay it.
tabling member printed	Lord Pearson of Rannoch
uin	HL2532
answer	answer is ministerial correction date of answer 10/11/2014 answer text <p>Exact details of the package, including financing, are yet to be determined but the European Commission’s Task Force will report to the European Council in December about the next steps. The UK has a great deal of experience to share in this area by virtue of our National Infrastructure Plan and Guarantee Scheme. The Government will inform Parliament about the details at the earliest opportunity.</p> answering member printed Baroness Anelay of St Johns question first answered 10/11/2014 15:08:47 answering member 3474 label Biography information for Baroness Anelay of St Johns
tabling member	3153 label Biography information for Lord Pearson of Rannoch

101724

registered interest
date	30/10/2014
answering body	Foreign and Commonwealth Office
answering dept id	16
answering dept short name	Foreign and Commonwealth Office
answering dept sort name	Foreign and Commonwealth Office
hansard heading	EU Economic Policy
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government whether at the European Council meeting on 23 and 24 October the Prime Minister agreed to the European Commission's new €300 billion investment package over 2015 to 2017, known as the Strategic Agenda for the Union in Times of Change, or whether he was outvoted.
tabling member printed	Lord Pearson of Rannoch
uin	HL2533
answer	answer is ministerial correction date of answer 10/11/2014 answer text The Strategic Agenda and the European Commission’s proposed €300billion investment package are different things. The Strategic Agenda for the Union in Times of Change, as agreed by EU Leaders in the June 2014 European Council, outlines five priorities to guide the EU over the next five years. These priorities are stronger economies with more jobs; societies enabled to empower and protect; a secure energy and climate future; a trusted area of fundamental freedoms and effective joint action in the world. The planned investment package is a proposed way to work towards the first of these priorities. Exact details of the package, including financing, are yet to be determined. The European Commission’s Task Force will report to the European Council in December about the next steps. The UK has a great deal of experience to share in this area by virtue of our National Infrastructure Plan and Guarantee Scheme. answering member printed Baroness Anelay of St Johns question first answered 10/11/2014 15:10:07 answering member 3474 label Biography information for Baroness Anelay of St Johns
tabling member	3153 label Biography information for Lord Pearson of Rannoch

101725

registered interest
date	30/10/2014
answering body	Ministry of Defence
answering dept id	11
answering dept short name	Defence
answering dept sort name	Defence
hansard heading	Sierra Leone
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government whether the 750 military personnel sent to Sierra Leone have full life insurance cover.
tabling member printed	Lord Naseby
uin	HL2534
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>It is ultimately a matter for individual Service Personnel whether they choose to purchase personal accident and/or life insurance cover.</p><p> </p><p>However, the Department recognises that we also have a duty of care to ensure that personal accident and life insurance cover is available to those service personnel who consider they require it. The Ministry of Defence therefore has a contract with Aon Ltd for a Personal Accident and Optional Life and Critical Illness Insurance, named PAX. A separate contract for Life insurance, named SLI365, is in place, managed by Willis Ltd and underwritten by Sterling Insurance Group. The cover which these schemes provide is voluntary and separate from the benefits provided by the Government. It is also possible that Service Personnel may have secured accident cover/life insurance through other means.</p><p> </p><p>Separately, the Ministry of Defence provides compensation for personnel injured due to service through the Armed Forces Compensation Scheme.</p> answering member printed Lord Astor of Hever question first answered 17/11/2014 12:43:48 answering member 3428 label Biography information for Lord Astor of Hever
tabling member	1251 label Biography information for Lord Naseby