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65636

	registered interest
	date	03/07/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, how many (a) men and (b) women have applied for Advanced Learner loans since the start of the scheme.
	tabling member constituency	Ashfield
	tabling member printed	Gloria De Piero
	uin	204007
	answer	answer is ministerial correction date of answer 08/07/2014 answer text <p> </p><p>Information on the number of 24+ Advanced Learning Loan applications received between 8th April 2013 and 31st May 2014 by gender is published online:</p><p> </p><p> </p><p> </p><p><a href="https://www.gov.uk/government/publications/24-advanced-learning-loans-application-information-june-2014" target="_blank">https://www.gov.uk/government/publications/24-advanced-learning-loans-application-information-june-2014</a></p><p> </p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 08/07/2014 13:09:56 answering member 4070 label Biography information for Matt Hancock
	tabling member	3915 label Biography information for Gloria De Piero

93052

	registered interest
	date	13/10/2014
	answering body	Wales Office
	answering dept id	28
	answering dept short name	Wales
	answering dept sort name	Wales
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Wales, what steps he has taken to ensure that student loan companies provide bilingual services to students in Wales.
	tabling member constituency	Clwyd South
	tabling member printed	Susan Elan Jones
	uin	210164
	answer	answer is ministerial correction date of answer 20/10/2014 answer text <p>The Student Loans Company has a Welsh language scheme that was approved by the Welsh Language Board in 2009. The Welsh Language Commissioner will carry out an investigation into applying Welsh language standards to the Student Loans Company as part of the second wave of investigations, due to commence in November 2014.</p><p>I would be pleased to consider any specific information that the hon Lady might bring to my attention in regard to Honours Student Loans.</p><p> </p> answering member constituency Vale of Glamorgan answering member printed Alun Cairns grouped question UIN 210071 question first answered 20/10/2014 09:29:45 answering member 4086 label Biography information for Alun Cairns
	tabling member	3956 label Biography information for Susan Elan Jones

114590

	registered interest
	date	05/11/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, what progress the Government has made in its plans for the sale of the student loan book.
	tabling member constituency	Birmingham, Hodge Hill
	tabling member printed	Mr Liam Byrne
	uin	213633
	answer	answer is ministerial correction date of answer 19/11/2014 answer text <p>Work is on-going but there are no plans for a sale in this Parliament.</p><p> </p> answering member constituency Tunbridge Wells answering member printed Greg Clark question first answered 19/11/2014 16:08:05 answering member 1578 label Biography information for Greg Clark
	tabling member	1171 label Biography information for Liam Byrne

222868

	registered interest
	date	23/02/2015
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, how much has been allocated for the impairment of student loans included in the Department Expenditure Limit for his Department.
	tabling member constituency	Carmarthen East and Dinefwr
	tabling member printed	Jonathan Edwards
	uin	224957
	answer	answer is ministerial correction date of answer 13/03/2015 answer text <p /> <p>The latest Departmental Expenditure Limit and its components is reported in the Main and Supplementary Estimates, and accompanying Memoranda. Links are available below:</p><p> </p><p>BIS Main Estimate Memorandum 2014-15 – <a href="http://www.parliament.uk/documents/commons-committees/business-innovation-and-skills/BIS-ME-2014-15-Memorandum-FINAL-2014-04-29.pdf" target="_blank">http://www.parliament.uk/documents/commons-committees/business-innovation-and-skills/BIS-ME-2014-15-Memorandum-FINAL-2014-04-29.pdf</a></p><p> </p><p>Central Government Supply Estimates 2014-15 Supplementary Estimates –</p><p><a href="https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/405330/supplementary_estimates_2014-15_web_with_corrections_slip.pdf" target="_blank">https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/405330/supplementary_estimates_2014-15_web_with_corrections_slip.pdf</a></p> answering member constituency Tunbridge Wells answering member printed Greg Clark question first answered 13/03/2015 11:25:05 answering member 1578 label Biography information for Greg Clark
	tabling member	3943 label Biography information for Jonathan Edwards

225083

	registered interest
	date	04/03/2015
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, what estimate he has made of the total amount of student loans outstanding as of January 2015.
	tabling member constituency	East Londonderry
	tabling member printed	Mr Gregory Campbell
	uin	226426
	answer	answer is ministerial correction date of answer 13/03/2015 answer text <p>The Department for Business, Innovation and Skills (BIS) values all Student Loans on 31 March each year. This is reported in the BIS Annual Report and Accounts. This value includes loans issued, plus interest, less repayments and actual write-offs during the year. The next publication of this value, as at 31 March 2015, will be in the summer.</p><p> </p> answering member constituency Tunbridge Wells answering member printed Greg Clark question first answered 13/03/2015 14:12:57 answering member 1578 label Biography information for Greg Clark previous answer version 48706 answering member constituency Tunbridge Wells answering member printed Greg Clark answering member 1578 label Biography information for Greg Clark
	tabling member	1409 label Biography information for Mr Gregory Campbell

78122

	registered interest
	date	15/07/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, when his Department plans next to update the RAB charge on student loans.
	tabling member constituency	Birmingham, Hodge Hill
	tabling member printed	Mr Liam Byrne
	uin	205774
	answer	answer is ministerial correction date of answer 29/08/2014 answer text <p> </p><p>The next update of the RAB charge will happen when the Student Loans Company provides the Department with updated loans data. This typically takes place in early autumn each year.</p><p> </p> answering member constituency Tunbridge Wells answering member printed Greg Clark question first answered 29/08/2014 08:32:46 answering member 1578 label Biography information for Greg Clark
	tabling member	1171 label Biography information for Liam Byrne

78356

	registered interest
	date	16/07/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, what his policy is on privatising part or all of the Student Loan book before May 2015.
	tabling member constituency	Glasgow North
	tabling member printed	Ann McKechin
	uin	206295
	answer	answer is ministerial correction date of answer 22/07/2014 answer text <p> </p><p>This Government has sold £160 million of mortgage-style student loans on the condition that no terms of the loans can be changed. This follows the previous government’s record of selling £2 billion of mortgage-style student loans. At Autumn Statement 2013 the government committed to selling the pre-Browne Income Contingent Student Loan Book in a number of tranches, with a first sale intended to occur by the end of financial year 2015/16. There are no plans to conduct a sale during this parliament.</p><p> </p> answering member constituency Tunbridge Wells answering member printed Greg Clark question first answered 22/07/2014 13:20:28 answering member 1578 label Biography information for Greg Clark previous answer version 11768 answering member constituency Tunbridge Wells answering member printed Greg Clark answering member 1578 label Biography information for Greg Clark
	tabling member	1419 label Biography information for Ann McKechin

78438

	registered interest
	date	16/07/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, if she will take steps to increase maintenance loans for university accommodation in respect of (a) students in places with expensive accommodation costs and (b) other students.
	tabling member constituency	Coventry South
	tabling member printed	Mr Jim Cunningham
	uin	206377
	answer	answer is ministerial correction date of answer 02/09/2014 answer text <p>The Government announced an increase of 3.34% to maximum maintenance loans for the 2015/16 academic year earlier this year. This increase will apply to all rates of maintenance loan, including the higher rate loan for students living away from home and studying in London, where living costs (including those for accommodation) are generally higher.</p><p>Decisions on student support arrangements for higher education courses are taken on an annual basis. The Government will review student support arrangements for the 2016/17 academic year in 2015.</p> answering member constituency Tunbridge Wells answering member printed Greg Clark question first answered 02/09/2014 12:45:23 answering member 1578 label Biography information for Greg Clark
	tabling member	308 label Biography information for Mr Jim Cunningham

79283

	registered interest
	date	22/07/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, with reference to the Answer of 11 December 2013, Official Report, column 247W, on students: loans, how many complaints (a) he and (b) the Office of Fair Trading has received about changes to the conditions of student loans sold to Erudio Student Loans Limited for loan holders (i) nationally and (ii) in Greater Manchester; what steps he has taken to remind Erudio of its responsibility to uphold the original conditions of the loan; what guidance he has issued to purchasers of the student loan book on how student loans impact credit ratings; and if he will place in the Library a copy of that guidance.
	tabling member constituency	Heywood and Middleton
	tabling member printed	Jim Dobbin
	uin	206948
	answer	answer is ministerial correction date of answer 01/09/2014 answer text <p> </p><p>The Department for Business, Innovation and Skills had received complaints about Erudio Student Loans Limited from 38 loan holders (or their elected representatives) as at 31<sup>st</sup> July 2014.</p><p> </p><p> </p><p> </p><ul><li>Twelve of these did not specify their location.</li><li>Of the remaining 26, 15 were from (or about) loan holders in England, of which one was in Greater Manchester.</li></ul><p> </p><p> </p><p> </p><p>The Office of Fair Trading was closed on 1<sup>st</sup> April 2014 and its responsibilities in relation to consumer credit passed to the Financial Conduct Authority. The Financial Conduct Authority does not investigate individual complaints. The Financial Ombudsman Service is a free, independent service for settling disputes between financial services firms and their customers, which can deal with complaints about a wide range of financial matters.</p><p> </p><p> </p><p> </p><p>Erudio has been notified of five complaints received by the Financial Ombudsman Service as at 31<sup>st</sup> July 2014. None of these was from loan holders in Greater Manchester.</p><p> </p><p> </p><p> </p><p>Mortgage style student loans are regulated loans under the Consumer Credit Act 1974 (as amended). Terms and conditions are specified in the Education (Student Loans) Regulations 1998 and in borrowers’ loan credit agreements. Erudio Student Loans Limited is regulated by the Financial Conduct Authority for accounts formed under the Consumer Credit Act 1974 (as amended) and must act in compliance with the terms and conditions of the loans, relevant regulatory requirements, industry guidance and all applicable laws.</p><p> </p><p> </p><p> </p><p>The Department for Business, Innovation and Skills has not issued guidance to Erudio Student Loans Limited in relation to how mortgage style student loans impact on borrowers’ credit scores, as the Department has no involvement in the credit scoring process.</p><p> </p><p> </p><p> </p><p>The leaflet ‘Credit explained’ published by the Information Commissioner’s Office explains this in more detail and is available at</p><p> </p><p> </p><p> </p><p><a href="http://ico.org.uk/for_the_public/topic_specific_guides/~/media/documents/library/Data_Protection/Practical_application/credit-explained-dp-guidance.pdf" target="_blank">http://ico.org.uk/for_the_public/topic_specific_guides/~/media/documents/library/Data_Protection/Practical_application/credit-explained-dp-guidance.pdf</a>.</p><p> </p><p> </p><p> </p><p> </p><p> </p> answering member constituency Tunbridge Wells answering member printed Greg Clark question first answered 01/09/2014 13:43:24 answering member 1578 label Biography information for Greg Clark
	tabling member	446 label Biography information for Jim Dobbin

79286

	registered interest
	date	22/07/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Students: Loans
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, when his Department plans to make a decision about future funding of students and recognition of courses at the 23 private colleges which it suspended from recruiting further students in November 2014.
	tabling member constituency	North Devon
	tabling member printed	Sir Nick Harvey
	uin	207043
	answer	answer is ministerial correction date of answer 09/09/2014 answer text <p>The Department required all alternative providers to reapply to have their courses designated for student support for the 2014/15 academic year. All alternative providers, including those that had their designations suspended for the remainder of the 2013/14 academic year, are being reviewed against the new criteria, and have already received a final decision or have been invited to submit additional information.</p> answering member constituency Tunbridge Wells answering member printed Greg Clark question first answered 09/09/2014 16:15:12 answering member 1578 label Biography information for Greg Clark
	tabling member	231 label Biography information for Sir Nick Harvey