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1148328

registered interest
date	04/10/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Equitable Life Assurance Society: Compensation
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will issue guidance on the recourse available to people in Crewe and Nantwich constituency who have either not been paid out for Equitable Life or who have received insufficient compensation.
tabling member constituency	Crewe and Nantwich
tabling member printed	Laura Smith
uin	294744
answer	answer is ministerial correction date of answer 08/10/2019 answer text <p>There are no plans to reopen the Payment Scheme or review the £1.5 billion funding allocation previously made to it. The Equitable Life Payment Scheme closed to claims in 2015 and further guidance on the status of the Payment Scheme after closure is available at https://www.gov.uk/guidance/equitable-life-payment-scheme#closure-of-the-scheme.</p> answering member constituency Salisbury answering member printed John Glen question first answered 08/10/2019 12:09:58 answering member 4051 label Biography information for John Glen
tabling member	4648 label Biography information for Laura Smith

1144212

registered interest
date	03/09/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Elysian Fuels
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps he is taking to ensure that constituents in Crewe and Nantwich constituency that were mis-sold investments in Elysian Fuels by James Hay will be compensated.
tabling member constituency	Crewe and Nantwich
tabling member printed	Laura Smith
uin	286345
answer	answer is ministerial correction date of answer 09/09/2019 answer text <p>Consumers with complaints of this kind may be able to refer their complaint to the Financial Ombudsman Service (FOS).</p><p> </p><p>The FOS is an independent, non-governmental body, established to provide for the proportionate, prompt and informal resolution of consumer complaints against financial services firms. Whether or not an individual complaint can be taken to the FOS will ultimately depend on the individual details. The eligibility of a complaint would be a matter for the FOS to consider.</p> answering member constituency Salisbury answering member printed John Glen question first answered 09/09/2019 11:34:51 answering member 4051 label Biography information for John Glen
tabling member	4648 label Biography information for Laura Smith

1133997

registered interest
date	24/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	London Capital & Finance: Insolvency
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps his Department taking following the collapse of London Capital & Finance to ensure that mini-bond holders in Crewe and Nantwich will be properly compensated.
tabling member constituency	Crewe and Nantwich
tabling member printed	Laura Smith
uin	268490
answer	answer is ministerial correction date of answer 02/07/2019 answer text <p>The administrators for London Capital &amp; Finance (LCF) are currently estimating recoveries for investors affected by LCF’s failure.</p><p>The Financial Services Compensation Scheme (FSCS), as the compensation scheme of last resort, can only provide compensation for claims connected with certain types of regulated activities. They are working closely with LCF’s administrators and the Financial Conduct Authority (FCA) to understand more about LCF’s activities and whether there are grounds for compensation.</p><p> </p><p>The FSCS is an independent non-governmental body. The FSCS carries out its compensation function within rules set by the Prudential Regulation Authority (PRA) and the FCA, who are also independent of Government.</p><p>If there are circumstances that give rise to potentially valid claims, the FSCS will communicate this on their website. They have invited LCF investors to register for updates on their website. More information on this can be found at https://www.fscs.org.uk/failed-firms/lcf/.</p> answering member constituency Salisbury answering member printed John Glen question first answered 02/07/2019 14:21:12 answering member 4051 label Biography information for John Glen
tabling member	4648 label Biography information for Laura Smith

1129258

registered interest
date	03/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insurance: Misrepresentation
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps (a) his Department and (b) the FCA is taking to raise awareness of the ability of the next-of-kin of deceased persons to bring a complaint for the mis-selling of PPI and their right to reclaim.
tabling member constituency	Crewe and Nantwich
tabling member printed	Laura Smith
uin	259408
answer	answer is ministerial correction date of answer 11/06/2019 answer text <p>The Government has been clear that the mis-selling of Payment Protection Insurance (PPI) was wrong, and affected consumers should receive redress.</p><p> </p><p>The deadline for making PPI claims and supporting consumers in making PPI claims are matters for the Financial Conduct Authority (FCA), which is operationally independent from Government. The question has therefore been passed on to the FCA who will reply directly to the honourable member. A copy of their response will be placed in the Library of the House.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 259409 question first answered 11/06/2019 13:45:31 answering member 4051 label Biography information for John Glen
tabling member	4648 label Biography information for Laura Smith

1129259

registered interest
date	03/06/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insurance: Misrepresentation
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment (a) his Department and (b) the FCA has made of the potential merits of excluding vulnerable consumers, such as those claiming on behalf of a deceased person, from the deadline for claims for the mis-selling of PPI.
tabling member constituency	Crewe and Nantwich
tabling member printed	Laura Smith
uin	259409
answer	answer is ministerial correction date of answer 11/06/2019 answer text <p>The Government has been clear that the mis-selling of Payment Protection Insurance (PPI) was wrong, and affected consumers should receive redress.</p><p> </p><p>The deadline for making PPI claims and supporting consumers in making PPI claims are matters for the Financial Conduct Authority (FCA), which is operationally independent from Government. The question has therefore been passed on to the FCA who will reply directly to the honourable member. A copy of their response will be placed in the Library of the House.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 259408 question first answered 11/06/2019 13:45:31 answering member 4051 label Biography information for John Glen
tabling member	4648 label Biography information for Laura Smith

1110536

registered interest
date	09/04/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Equitable Life Assurance Society: Compensation
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, if he will (a) undertake a review of the compensation afforded to people affected by Equitable Life and (b) issue guidance on recourse available to people affected in Crewe and Nantwich constituency that have (i) not been paid and (ii) received insufficient compensation.
tabling member constituency	Crewe and Nantwich
tabling member printed	Laura Smith
uin	242926
answer	answer is ministerial correction date of answer 16/04/2019 answer text <p>There are no plans to reopen the Payment Scheme or review the £1.5 billion funding allocation previously made to it. The Equitable Life Payment Scheme closed to claims in 2015 and further guidance on the status of the Payment Scheme after closure is available at https://www.gov.uk/guidance/equitable-life-payment-scheme#closure-of-the-scheme.</p> answering member constituency Salisbury answering member printed John Glen question first answered 16/04/2019 14:32:05 answering member 4051 label Biography information for John Glen
tabling member	4648 label Biography information for Laura Smith

1082115

registered interest
date	05/03/2019
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debt Collection: Corruption
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent steps he has taken to (a) reform and (b) tackle widespread corruption in the debt collection industry.
tabling member constituency	Crewe and Nantwich
tabling member printed	Laura Smith
uin	228671
answer	answer is ministerial correction date of answer 11/03/2019 answer text <p>The government transferred the regulation of debt collection industry acvtivity to the Financial Conduct Authority in 2014. FCA regulation of debt collection agencies (DCAs) provides strong protections for consumers.</p><p> </p><p>In particular, DCAs under FCA regulation have to comply with the FCA’s high-level principle to treat customers fairly, offer appropriate forbearance, and signpost individuals to free, impartial debt advice should a consumer be in default, or in arrears difficulty.</p> answering member constituency Salisbury answering member printed John Glen question first answered 11/03/2019 14:10:09 answering member 4051 label Biography information for John Glen
tabling member	4648 label Biography information for Laura Smith

964063

registered interest
date	03/09/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insurance: Misrepresentation
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, with reference to the estimated £70 billion in unpaid compensation for the mis-selling of payment protection insurance, if he will review the deadline for making a compensation claim.
tabling member constituency	Crewe and Nantwich
tabling member printed	Laura Smith
uin	169786
answer	answer is ministerial correction date of answer 10/09/2018 answer text <p>The Financial Conduct Authority (FCA)’s decision to set a deadline for mis-sold Payment Protection Insurance (PPI) was announced in August 2017, and gives consumers two years to make a claim. The government is confident in the FCA’s approach to handling mis-sold PPI and the deadline was set by the FCA in their role as an independent regulator. For this reason, the Chancellor is unable to review the deadline.</p><p> </p><p>The deadline was set to prompt consumers to complain or check whether they had PPI. It is intended to help consumers get redress sooner, improve the efficiency of PPI complaints handling, and bring the PPI issue to an orderly conclusion to rebuild trust in the retail banking sector.</p><p> </p><p>The FCA will write to Laura Smith MP to set out their position in more detail.</p> answering member constituency Salisbury answering member printed John Glen question first answered 10/09/2018 14:36:44 answering member 4051 label Biography information for John Glen
tabling member	4648 label Biography information for Laura Smith

964064

registered interest
date	03/09/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insurance: Misrepresentation
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, whether he has made an assessment of the potential increase in demand on the court system as a result of the deadline for making PPI claims via the Financial Ombudsman; and if he will make a statement.
tabling member constituency	Crewe and Nantwich
tabling member printed	Laura Smith
uin	169787
answer	answer is ministerial correction date of answer 10/09/2018 answer text <p>The Financial Conduct Authority (FCA)’s decision to set a deadline for mis-sold Payment Protection Insurance (PPI) was announced in August 2017, and gives consumers two years to make a claim. The government is confident in the FCA’s approach to handling mis-sold PPI and the deadline was set by the FCA in their role as an independent regulator. As this was an FCA decision and not legislation, the Chancellor has not made an assessment on the impacts on the court system resulting from the deadline.</p> answering member constituency Salisbury answering member printed John Glen question first answered 10/09/2018 14:59:27 answering member 4051 label Biography information for John Glen
tabling member	4648 label Biography information for Laura Smith