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391306

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Financial Services: Technology
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what support his Department is providing to promote the growth of the FinTech industry.
	tabling member constituency	Windsor
	tabling member printed	Adam Afriyie
	uin	7976
	answer	answer is ministerial correction date of answer 07/09/2015 answer text <p>The Government is committed to making the UK the leading global FinTech hub, and has announced a large number of policy initiatives, including more supportive regulatory regimes for peer-to-peer, digital currencies, and other innovative firms.</p><p> </p><p> </p><p> </p><p>The Government built on this record at the Summer Budget. First, Eileen Burbidge was appointed as the UK’s ‘Special Envoy for FinTech’, where she will represent UK interests in FinTech at home and around the world. Second, an international FinTech benchmarking exercise was announced to measure the UK’s performance and identify areas of best practice from around the world.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 07/09/2015 15:35:18 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	1586 label Biography information for Adam Afriyie

391318

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Social Security Benefits
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will conduct an assessment of the potential effect of proposed changes to tax credits and housing benefit in the Summer Budget 2015 on the number of abortions in the UK.
	tabling member constituency	Lancaster and Fleetwood
	tabling member printed	Cat Smith
	uin	8088
	answer	answer is ministerial correction date of answer 11/09/2015 answer text <p>No assessment has been made of the potential effect of proposed changes to tax credits and housing benefit in the Summer Budget 2015 on the number of abortions in the UK.</p><p> </p><p> </p><p> </p> answering member constituency East Hampshire answering member printed Damian Hinds question first answered 11/09/2015 10:37:18 answering member 3969 label Biography information for Damian Hinds
	tabling member	4436 label Biography information for Cat Smith

391294

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Pensions: Scotland
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many people in Scotland have made use of the new pension flexibilities introduced on 6 April 2015.
	tabling member constituency	Edinburgh South
	tabling member printed	Ian Murray
	uin	7915
	answer	answer is ministerial correction date of answer 09/09/2015 answer text <p>The July Budget document revealed that over 85,000 individuals had taken advantage of the new flexibilities for accessing pensions that were introduced in April 2015. Reliable data for Scotland is not available.</p><p> </p><p> </p><p> </p><p>HMRC plans to publish statistics on take up of pensions flexibility in the Autumn</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 09/09/2015 13:07:12 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	3966 label Biography information for Ian Murray

391296

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Pensions: Scotland
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many people in Scotland have received guidance from the Pension Wise guidance service (a) face-to-face, (b) by telephone and (c) online.
	tabling member constituency	Edinburgh South
	tabling member printed	Ian Murray
	uin	7916
	answer	answer is ministerial correction date of answer 09/09/2015 answer text <p>The pension freedoms introduced on 6 April mean that the 320,000 individuals retiring each year with defined contribution pension savings are able to access them as they wish, and around 2 million people aged over 55 now have more options when they retire. Data for the proportion of people who have used the freedoms following a Pension Wise appointment is not collected.</p><p> </p><p> </p><p> </p><p>As announced on 21 July, nearly 18,000 free Pension Wise guidance appointments over the phone and face to face are being delivered and more than 925,000 people have used the Pension Wise website, with many people returning to the site regularly.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 7917 question first answered 09/09/2015 13:12:31 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	3966 label Biography information for Ian Murray

391299

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Pensions: Scotland
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many people in Scotland who have made use of the pension flexibilities introduced on 6 April 2015 received guidance from the Pension Wise guidance service (a) by telephone, (b) face-to-face and (c) online.
	tabling member constituency	Edinburgh South
	tabling member printed	Ian Murray
	uin	7917
	answer	answer is ministerial correction date of answer 09/09/2015 answer text <p>The pension freedoms introduced on 6 April mean that the 320,000 individuals retiring each year with defined contribution pension savings are able to access them as they wish, and around 2 million people aged over 55 now have more options when they retire. Data for the proportion of people who have used the freedoms following a Pension Wise appointment is not collected.</p><p> </p><p> </p><p> </p><p>As announced on 21 July, nearly 18,000 free Pension Wise guidance appointments over the phone and face to face are being delivered and more than 925,000 people have used the Pension Wise website, with many people returning to the site regularly.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin grouped question UIN 7916 question first answered 09/09/2015 13:12:31 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	3966 label Biography information for Ian Murray

391267

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Ulster Bank
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what assessment they have made of what assets, if any, have been sold by Ulster Bank Ltd to Cerberus Capital Management since 2013; and what assessment they have made of the impact of such sales on their three objectives for their shareholding in Royal Bank of Scotland.
	tabling member printed	Lord Empey
	uin	HL1634
	answer	answer is ministerial correction date of answer 27/07/2015 answer text <p>The Chancellor has previously set out his objectives for the banks in state ownership, including Royal Bank of Scotland (RBS). The government wants to maximise the ability of these important banks to support the British economy; get the best value for money for the taxpayer; and return them to private ownership.</p><p> </p><p> </p><p> </p><p>Following a strategic review in 2013, the RBS Group committed to accelerating its return to private ownership by improving the performance of its ‘core’ bank. This included the creation of an internal ‘bad bank’ to house underperforming and high-risk assets, and a commitment to removing them from its balance sheet quickly.</p><p> </p><p> </p><p> </p><p> </p><p> </p><p>The RBS Group announced in December 2014 that it had sold a £1.1 billion portfolio of real estate loans from its internal ‘bad bank’ to Cerberus Capital Management, reflecting the improved economic outlook of investors for the economy in Northern Ireland.</p><p> </p><p> </p><p> </p><p>The Government’s shareholding in RBS is managed at arm's length from HM Treasury by UK Financial Investments (UKFI). As an engaged shareholder, UKFI works closely with the banks’ management to assure itself of the banks’ approach to strategy. However, UKFI’s role is to manage the investment, not to manage the bank. Commercial decisions and assessments, including those relating to the sale of assets, remain a matter for the bank’s independent management team.</p><p> </p><p> </p><p> </p> answering member printed Lord O'Neill of Gatley question first answered 27/07/2015 13:50:45 answering member 4536 label Biography information for Lord O'Neill of Gatley
	tabling member	4216 label Biography information for Lord Empey

391297

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Government Departments: Telephone Services
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government, further to the Written Answer by Lord O’Neill of Gatley on 9 July (HL898), what training in communication skills is provided for the officials in (1) HM Revenue and Customs, (2) the Home Office, (3) the Ministry of Justice, (4) the Department for Work and Pensions, and (5) the Department for Business, Innovation and Skills, who are responsible for helping members of the public who telephone with complaints or requests for information.
	tabling member printed	Lord Quirk
	uin	HL1653
	answer	answer is ministerial correction date of answer 30/07/2015 answer text <p>All new HM Revenue and Customs (HMRC) telephony advisers receive two days of call handling soft skills training, prior to handling customer calls. Further call handling training is provided depending on the needs of the advisor.</p><p> </p><p> </p><p> </p><p>The first escalation for complaints from an adviser is to a Team Leader. 80 per cent of complaints are successfully handled at this point.</p><p> </p><p> </p><p> </p><p>HMRC’s Personal Tax Operations has a specific team who deal with customer complaints received via telephone.</p><p> </p><p> </p><p> </p><p>HMRC has a target of answering 80 per cent of all calls received.</p><p> </p><p> </p><p> </p><p>Information regarding the training and performance on telephony issues for other Government Departments is not held centrally and should be obtained from the Departments concerned.</p><p> </p><p> </p><p> </p> answering member printed Lord O'Neill of Gatley grouped question UIN HL1654 question first answered 30/07/2015 13:33:52 answering member 4536 label Biography information for Lord O'Neill of Gatley
	tabling member	3254 label Biography information for Lord Quirk

391298

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Government Departments: Telephone Services
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government, further to the Written Answer by Lord O’Neill of Gatley on 9 July (HL898), whether there are target times by which calls from members of the public are expected to receive attention when telephoning (1) HM Revenue and Customs, (2) the Home Office, (3) the Ministry of Justice, (4) the Department for Work and Pensions, and (5) the Department for Business, Innovation and Skills.
	tabling member printed	Lord Quirk
	uin	HL1654
	answer	answer is ministerial correction date of answer 30/07/2015 answer text <p>All new HM Revenue and Customs (HMRC) telephony advisers receive two days of call handling soft skills training, prior to handling customer calls. Further call handling training is provided depending on the needs of the advisor.</p><p> </p><p> </p><p> </p><p>The first escalation for complaints from an adviser is to a Team Leader. 80 per cent of complaints are successfully handled at this point.</p><p> </p><p> </p><p> </p><p>HMRC’s Personal Tax Operations has a specific team who deal with customer complaints received via telephone.</p><p> </p><p> </p><p> </p><p>HMRC has a target of answering 80 per cent of all calls received.</p><p> </p><p> </p><p> </p><p>Information regarding the training and performance on telephony issues for other Government Departments is not held centrally and should be obtained from the Departments concerned.</p><p> </p><p> </p><p> </p> answering member printed Lord O'Neill of Gatley grouped question UIN HL1653 question first answered 30/07/2015 13:33:52 answering member 4536 label Biography information for Lord O'Neill of Gatley
	tabling member	3254 label Biography information for Lord Quirk

391343

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Coinage
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what is the weight of a newly minted 10 pence piece; what is the weight after it has been in circulation for several years; and what assessment they have made of the acceptance of new 10 pence pieces by coin-operated machines.
	tabling member printed	Lord Radice
	uin	HL1677
	answer	answer is ministerial correction date of answer 27/07/2015 answer text <p>Since the introduction of a smaller version in 1992, newly minted ten pence pieces have had a weight of 6.5 grammes. This remained the case from January 2012, when the composition was changed from a cupronickel alloy to nickel-plated steel. The weight of a ten pence piece does not change materially over the course of its lifecycle.</p><p> </p><p> </p><p> </p><p>The Royal Mint works closely with a number of trade associations and manufacturers of coin operated equipment on an ongoing basis, and consulted with them when determining the precise specification of the nickel-plated steel ten pence piece. Whilst no formal assessment of acceptance has been made, members and operators are all routinely encouraged to upgrade their equipment.</p><p> </p> answering member printed Lord O'Neill of Gatley question first answered 27/07/2015 13:46:57 answering member 4536 label Biography information for Lord O'Neill of Gatley
	tabling member	510 label Biography information for Lord Radice

391308

	registered interest
	date	20/07/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Debts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent estimate he has made of levels of household debt in households where at least one adult is in work.
	tabling member constituency	Sheffield, Heeley
	tabling member printed	Louise Haigh
	uin	8019
	answer	answer is ministerial correction date of answer 11/09/2015 answer text <p>The Office for National Statistics does not publish estimates of household debt by employment status.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 11/09/2015 11:18:36 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4473 label Biography information for Louise Haigh