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114609

	registered interest
	date	05/11/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent discussions he has had with the Financial Conduct Authority (a) on the clarity of and (b) improving competition in the mortgage market.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	213568
	answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213569 213585 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	3990 label Biography information for Richard Graham

114610

	registered interest
	date	05/11/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what representations he has received about the clarity of fees and charges and ease of comparison in the mortgage market.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	213569
	answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213568 213585 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	3990 label Biography information for Richard Graham

114616

	registered interest
	date	05/11/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with the mortgage industry and consumer groups about making price comparison easier for consumers.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	213585
	answer	answer is ministerial correction date of answer 13/11/2014 answer text Treasury Ministers and officials regularly meet with a range of stakeholders to discuss mortgage policy issues, including regulators, industry representatives and consumer groups, amongst others.<p> </p><p> </p><p> </p><p>The Government is committed to ensuring fair and effective competition across all financial services markets. It has established the independent Financial Conduct Authority (FCA) and given them the responsibility, enshrined in law, to promote effective competition in the interest of consumers. The FCA has the power to create, supervise and enforce any rules it feels are needed to promote consumer protection, transparency and competition.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 213568 213569 question first answered 13/11/2014 11:20:11 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	3990 label Biography information for Richard Graham

175135

	registered interest
	date	21/01/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Motor Vehicles: Excise Duties
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will make it his policy that motorists pay the same rate of vehicle tax whether or not they pay by direct debit in instalments.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	221596
	answer	answer is ministerial correction date of answer 26/01/2015 answer text Motorists paying VED annually pay the same rate of vehicle tax regardless of the means of payment. Motorists paying VED by monthly or six-monthly direct debit pay a 5% surcharge, compared to the 10% surcharge on six monthly VED payments. This means that no motorist faces an increased rate of VED as a result of choosing to pay by direct debit. Government has no plans for structural reform of VED this Parliament.<p> </p> answering member constituency Witham answering member printed Priti Patel question first answered 26/01/2015 16:23:09 answering member 4066 label Biography information for Priti Patel
	tabling member	3990 label Biography information for Richard Graham

173947

	registered interest
	date	15/01/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Motor Vehicles: Excise Duties
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what the reason is for the additional charge for payment of vehicle tax by direct debit over 12 or six monthly instalments; and for what purposes the funds from that additional charge are used.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	220917
	answer	answer is ministerial correction date of answer 23/01/2015 answer text <p>Motorists who buy a six month vehicle excise duty (VED) licence have historically paid a ten per cent surcharge.</p><p> </p><p> </p><p> </p><p>The Government has introduced a direct debit scheme for the payment of VED, to allow families and businesses to spread their tax payments. Under the scheme, the surcharge has been halved to five per cent when the tax is paid by six monthly and monthly instalments. The retention of a surcharge prevents a loss in VED revenue which would otherwise need to be made up elsewhere, by either increasing other taxes or reducing the Government’s investment in public services.</p><p> </p><p> </p><p> </p><p>All VED revenues are paid into the Consolidated Fund to support general expenditure on public services.</p><p> </p><p> </p><p> </p><p>The Chancellor of the Exchequer keeps all taxes under review as part of the annual Budget process.</p><p> </p> answering member constituency Witham answering member printed Priti Patel question first answered 23/01/2015 08:32:57 answering member 4066 label Biography information for Priti Patel
	tabling member	3990 label Biography information for Richard Graham

106398

	registered interest
	date	04/11/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Tidal Power
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent assessment he has made of the potential contribution of tidal energy to the economy.
	tabling member constituency	Gloucester
	tabling member printed	Richard Graham
	uin	213400
	answer	answer is ministerial correction date of answer 10/11/2014 answer text <p>In October 2010 the Government published the conclusions of a 2-year feasibility study into tidal power on the Severn estuary, including a regional economic impact assessment. The government concluded it did not see a strategic case for public investment in a tidal energy scheme in the Severn estuary, but the outcome of the feasibility study does not preclude a privately financed scheme.</p><p> </p><p> </p><p> </p><p>In August 2012 the Government’s Low Carbon Innovation Coordination Group published a Marine Energy Technology Innovation Needs Assessment which covered tidal stream technologies.</p><p> </p><p> </p><p> </p><p>The documents can be downloaded at the following web-links:</p><p> </p><p><a href="https://www.gov.uk/government/publications/1-severn-tidal-power-feasibility-study-conclusions-and-summary-report" target="_blank">https://www.gov.uk/government/publications/1-severn-tidal-power-feasibility-study-conclusions-and-summary-report</a></p><p> </p><p> </p><p> </p><p><a href="https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/69870/30._Society_and_Economy_Effects_and_Interrelationships.pdf" target="_blank">https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/69870/30._Society_and_Economy_Effects_and_Interrelationships.pdf</a></p><p> </p><p> </p><p> </p><p><a href="http://www.carbontrust.com/media/168547/tina-marine-energy-summary-report.pdf" target="_blank">http://www.carbontrust.com/media/168547/tina-marine-energy-summary-report.pdf</a></p><p> </p><p> </p><p> </p><p> </p><p> </p> answering member constituency Witham answering member printed Priti Patel question first answered 10/11/2014 17:53:44 answering member 4066 label Biography information for Priti Patel
	tabling member	3990 label Biography information for Richard Graham