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62192
unstar this property registered interest false more like this
star this property date less than 2014-06-17more like thismore than 2014-06-17
star this property answering body
Cabinet Office more like this
star this property answering dept id 53 more like this
star this property answering dept short name Cabinet Office more like this
star this property answering dept sort name Cabinet Office more like this
star this property hansard heading Debts remove filter
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Minister for the Cabinet Office, what change there has been in the level of household (a) borrowing and (b) debt since May 2010. more like this
star this property tabling member constituency East Londonderry more like this
star this property tabling member printed
Mr Gregory Campbell more like this
star this property uin 200994 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-23more like thismore than 2014-06-23
star this property answer text <p>The information requested falls within the responsibility of the UK Statistics Authority. I have asked the Authority to reply.</p><p> </p> more like this
star this property answering member constituency Ruislip, Northwood and Pinner more like this
unstar this property answering member printed Mr Nick Hurd more like this
star this property question first answered
less than 2014-06-23T11:35:58.67more like thismore than 2014-06-23T11:35:58.67
unstar this property answering member
1561
star this property label Biography information for Mr Nick Hurd more like this
star this property attachment
1
star this property file name PQ 200994.pdf more like this
star this property title ONS Letter to Member more like this
star this property tabling member
1409
unstar this property label Biography information for Mr Gregory Campbell more like this
61538
unstar this property registered interest false more like this
star this property date less than 2014-06-12more like thismore than 2014-06-12
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Debts remove filter
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government what figures for household debt in the United Kingdom were provided by the Office for Budget Responsibility in each year from 2010–11 to 2013–14 and estimated for 2014–15; and what is the percentage represented by such debt of (1) national income, and (2) disposable income, in each year. more like this
star this property tabling member printed
Lord Kinnock more like this
star this property uin HL307 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-06-26more like thismore than 2014-06-26
star this property answer text <p><strong>The OBR publish figures for household debt, GDP and disposable income on their website alongside their Economic and Fiscal Outlook. </strong></p><p> </p><p><strong>In 2010-11 total lending to households in the United Kingdom or debt liabilities was estimated to be £1.53 trillion in the National Accounts produced by the Office for National Statistics, this is equivalent to 102% of annual Gross Domestic Product and 152% of household disposable income in that year. In 2011-12 the figure was 1.53 trillion (99% and147% respectively), and in 2012-13 the figure was 1.54 trillion (98% and 143%). These data are not yet available for 2013-14. In their March 2014 Economic and fiscal outlook the Office for Budget Responsibility forecast these figures to be 1.66 trillion in 2014-15 (97% and 144% respectively).</strong></p><p> </p><p> </p> more like this
unstar this property answering member printed Lord Deighton more like this
star this property question first answered
less than 2014-06-26T15:13:23.5823152Zmore like thismore than 2014-06-26T15:13:23.5823152Z
unstar this property answering member
4262
star this property label Biography information for Lord Deighton more like this
star this property tabling member
693
unstar this property label Biography information for Lord Kinnock more like this
64599
unstar this property registered interest false more like this
star this property date less than 2014-06-27more like thismore than 2014-06-27
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Debts remove filter
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty's Government whether the ratio of the aggregated value of sovereign, corporate and personal debt to gross domestic product is higher in the United Kingdom than in other leading economies. more like this
star this property tabling member printed
Lord Birt more like this
star this property uin HL686 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-07-07more like thismore than 2014-07-07
star this property answer text <p>The aggregate value of general government, non-financial corporations and household sector debt (as a proportion of GDP) for all G7 countries are shown below:</p><p> </p><p> </p><table><tbody><tr><td><p>Country</p></td><td><p>Debt as a proportion of GDP in 2012</p></td></tr><tr><td><p>Canada</p></td><td><p>347%</p></td></tr><tr><td><p>France</p></td><td><p>335%</p></td></tr><tr><td><p>Germany</p></td><td><p>248%</p></td></tr><tr><td><p>Italy</p></td><td><p>329%</p></td></tr><tr><td><p>Japan</p></td><td><p>476%</p></td></tr><tr><td><p>UK</p></td><td><p>309%</p></td></tr><tr><td><p>US</p></td><td><p>320%</p></td></tr></tbody></table> more like this
unstar this property answering member printed Lord Deighton more like this
star this property question first answered
less than 2014-07-07T11:11:49.6095145Zmore like thismore than 2014-07-07T11:11:49.6095145Z
unstar this property answering member
4262
star this property label Biography information for Lord Deighton more like this
star this property tabling member
2533
unstar this property label Biography information for Lord Birt more like this
64883
unstar this property registered interest false more like this
star this property date less than 2014-07-01more like thismore than 2014-07-01
star this property answering body
Department for Business, Innovation and Skills more like this
star this property answering dept id 26 more like this
star this property answering dept short name Business, Innovation and Skills more like this
star this property answering dept sort name Business, Innovation and Skills more like this
star this property hansard heading Debts remove filter
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Business, Innovation and Skills, what the average total debt was of individuals who filed for a debt relief order in each of the last five years. more like this
star this property tabling member constituency Walthamstow more like this
star this property tabling member printed
Stella Creasy more like this
star this property uin 203246 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-07-08more like thismore than 2014-07-08
star this property answer text <p>The average debt level of an individual that was granted a Debt Relief Order in England and Wales in each of the last five years can be found in table 1 below.</p><p><strong><em>Table 1: Average Liabilities of Individuals granted a Debt Relief Order<sup>1</sup></em></strong></p><table><tbody><tr><td><p> </p></td><td><p>Average Liability (£)</p></td></tr><tr><td><p>2009/10</p></td><td><p>8,717</p></td></tr><tr><td><p>2010/11</p></td><td><p>8,453</p></td></tr><tr><td><p>2011/12</p></td><td><p>8,504</p></td></tr><tr><td><p>2012/13</p></td><td><p>8,410</p></td></tr><tr><td><p>2013/14</p></td><td><p>8,554</p></td></tr></tbody></table><p> </p><p><strong><sup>1</sup></strong><strong>Including those under enquiry or revoked at a later date</strong></p> more like this
star this property answering member constituency East Dunbartonshire more like this
unstar this property answering member printed Jo Swinson more like this
star this property question first answered
less than 2014-07-08T15:41:23.8132937Zmore like thismore than 2014-07-08T15:41:23.8132937Z
unstar this property answering member
1513
star this property label Biography information for Jo Swinson more like this
star this property tabling member
4088
unstar this property label Biography information for Stella Creasy more like this
65987
unstar this property registered interest false more like this
star this property date less than 2014-07-07more like thismore than 2014-07-07
star this property answering body
Cabinet Office more like this
star this property answering dept id 53 more like this
star this property answering dept short name Cabinet Office more like this
star this property answering dept sort name Cabinet Office more like this
star this property hansard heading Debts remove filter
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Minister for the Cabinet Office, what the aggregate household debt was in the final quarter of the 2013-14 financial year. more like this
star this property tabling member constituency East Londonderry more like this
star this property tabling member printed
Mr Gregory Campbell more like this
star this property uin 204217 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-07-10more like thismore than 2014-07-10
star this property answer text <p>The information requested falls within the responsibility of the UK Statistics Authority. I have asked the Authority to reply.</p><p> </p> more like this
star this property answering member constituency Ruislip, Northwood and Pinner more like this
unstar this property answering member printed Mr Nick Hurd more like this
star this property question first answered
less than 2014-07-10T16:13:13.043117Zmore like thismore than 2014-07-10T16:13:13.043117Z
unstar this property answering member
1561
star this property label Biography information for Mr Nick Hurd more like this
star this property attachment
1
star this property file name PQ204217.pdf more like this
star this property title ONS Letter to Member more like this
star this property tabling member
1409
unstar this property label Biography information for Mr Gregory Campbell more like this
79717
unstar this property registered interest false more like this
star this property date less than 2014-07-28more like thismore than 2014-07-28
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Debts remove filter
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty’s Government what assessment they have made of the effectiveness of regulation of debt management companies. more like this
star this property tabling member printed
Lord Kennedy of Southwark more like this
star this property uin HL1609 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-08-11more like thismore than 2014-08-11
star this property answer text <p>The Government has fundamentally reformed regulation of the consumer credit market, including the debt management industry, by transferring regulation from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) on 1 April 2014.</p><p> </p><p>The Government welcomes the binding rules the FCA has placed on debt management firms, including new prudential and client money requirements to better protect consumers’ money.</p><p> </p><p>Under the new regime the FCA has robust powers to protect borrowers – there is no limit to the fines which the FCA can levy and it can require firms to provide redress to consumers.</p><p> </p><p>The FCA will thoroughly assess every debt management firm’s fitness to trade as part of the authorisation process. The debt management industry has been called forward first for authorisation, from this October.</p><p> </p><p> </p> more like this
unstar this property answering member printed Lord Deighton more like this
star this property question first answered
less than 2014-08-11T11:58:15.2653391Zmore like thismore than 2014-08-11T11:58:15.2653391Z
unstar this property answering member
4262
star this property label Biography information for Lord Deighton more like this
star this property tabling member
4153
unstar this property label Biography information for Lord Kennedy of Southwark more like this
79745
unstar this property registered interest false more like this
star this property date less than 2014-07-29more like thismore than 2014-07-29
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Debts remove filter
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty’s Government, further to the answers by Lord Newby on 28 July (HL Deb, col 1409–11), whether cold callers recruiting for debt management companies are required to advise of the existence of free debt management services; if so, who is responsible for enforcing that requirement; and how many infractions have been recognised. more like this
star this property tabling member printed
Lord Sharkey more like this
star this property uin HL1637 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-08-11more like thismore than 2014-08-11
star this property answer text <p>Lead generators for debt management firms are not subject to regulation directly, but the FCA requires regulated debt management firms that accept leads from lead generators to satisfy themselves that the business has been procured fairly and in accordance with relevant legislation, including the requirements of the Data Protection Act and the Privacy and Electronic Communication Regulations. Debt management firms must ensure that lead generators calling on their behalf make clear the identity of the firm, and the purpose of the communication, so the consumer can decide whether to proceed. Additionally, at first contact with a customer, debt management firms must signpost consumers to the availability of ‘free’ debt advice. The FCA is able to impose sanctions on regulated debt management firms, such as imposing unlimited fines and ordering firms to pay money back to customers, where wrongdoing is found.</p> more like this
unstar this property answering member printed Lord Deighton more like this
star this property question first answered
less than 2014-08-11T12:32:21.2968488Zmore like thismore than 2014-08-11T12:32:21.2968488Z
unstar this property answering member
4262
star this property label Biography information for Lord Deighton more like this
star this property tabling member
4196
unstar this property label Biography information for Lord Sharkey more like this
79000
unstar this property registered interest false more like this
star this property date less than 2014-07-21more like thismore than 2014-07-21
star this property answering body
Cabinet Office more like this
star this property answering dept id 53 more like this
star this property answering dept short name Cabinet Office more like this
star this property answering dept sort name Cabinet Office more like this
star this property hansard heading Debts remove filter
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Minister for the Cabinet Office, what change there has been in household debt between 6 May 2010 and 27 June 2014. more like this
star this property tabling member constituency East Londonderry more like this
star this property tabling member printed
Mr Gregory Campbell more like this
star this property uin 206725 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-09-01more like thismore than 2014-09-01
star this property answer text <p>The information requested falls within the responsibility of the UK Statistics Authority. I have asked the Authority to reply.</p><p> </p> more like this
star this property answering member constituency Braintree more like this
unstar this property answering member printed Mr Brooks Newmark more like this
star this property question first answered
less than 2014-09-01T11:33:05.3180509Zmore like thismore than 2014-09-01T11:33:05.3180509Z
unstar this property answering member
1488
star this property label Biography information for Mr Brooks Newmark more like this
star this property attachment
1
star this property file name PQ 206725.pdf more like this
star this property title ONS Letter to Member more like this
star this property tabling member
1409
unstar this property label Biography information for Mr Gregory Campbell more like this
89927
unstar this property registered interest false more like this
star this property date less than 2014-09-01more like thismore than 2014-09-01
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Debts remove filter
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty’s Government, further to the Written Answer by Lord Deighton on 11 August (HL1638), whether they, or the Financial Conduct Authority, have made an assessment of the effect on the market for debt management services of the absence of notification of the existence of free debt management services in cold calling by lead generators on behalf of fee-charging debt management services; and if not whether they plan to instruct the Financial Conduct Authority to make such an assessment. more like this
star this property tabling member printed
Lord Sharkey more like this
star this property uin HL1769 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-10-13more like thismore than 2014-10-13
star this property answer text <p>The Financial Conduct Authority has put in place binding requirements on fee-charging debt management firms to signpost customers to free independent debt advice at the first point of contact, including when contacted following a referral from a lead generator.</p><p> </p><p>The FCA is monitoring the compliance of debt management firms with</p><p>its rules on an ongoing basis via its supervision of such firms and from 1 October 2014, all debt management firms are required to submit to the full scrutiny of the FCA authorisation process which will involve a comprehensive consideration of all aspects of their compliance.</p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p>The FCA is also undertaking an in-depth thematic review of the debt management sector to assess the quality of advice, looking at whether firms are recommending appropriate debt solutions, and how incentive structures and the use of lead generators may be affecting consumers.</p><p> </p><p> </p><p> </p>
unstar this property answering member printed Lord Deighton more like this
star this property grouped question UIN HL1770 more like this
star this property question first answered
less than 2014-10-13T12:31:05.9573616Zmore like thismore than 2014-10-13T12:31:05.9573616Z
unstar this property answering member
4262
star this property label Biography information for Lord Deighton more like this
star this property tabling member
4196
unstar this property label Biography information for Lord Sharkey more like this
89928
unstar this property registered interest false more like this
star this property date less than 2014-09-01more like thismore than 2014-09-01
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Debts remove filter
star this property house id 2 more like this
star this property legislature
25277
star this property pref label House of Lords more like this
star this property question text To ask Her Majesty’s Government what mechanisms are in place to ensure that (1) on first contact with potential customers, fee charging debt management companies notify of them of the existence of free debt management services, and (2) such notification is sufficient to produce an awareness of the existence of the free service. more like this
star this property tabling member printed
Lord Sharkey more like this
star this property uin HL1770 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-10-13more like thismore than 2014-10-13
star this property answer text <p>The Financial Conduct Authority has put in place binding requirements on fee-charging debt management firms to signpost customers to free independent debt advice at the first point of contact, including when contacted following a referral from a lead generator.</p><p> </p><p>The FCA is monitoring the compliance of debt management firms with</p><p>its rules on an ongoing basis via its supervision of such firms and from 1 October 2014, all debt management firms are required to submit to the full scrutiny of the FCA authorisation process which will involve a comprehensive consideration of all aspects of their compliance.</p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p>The FCA is also undertaking an in-depth thematic review of the debt management sector to assess the quality of advice, looking at whether firms are recommending appropriate debt solutions, and how incentive structures and the use of lead generators may be affecting consumers.</p><p> </p><p> </p><p> </p>
unstar this property answering member printed Lord Deighton more like this
star this property grouped question UIN HL1769 more like this
star this property question first answered
less than 2014-10-13T12:31:07.2821486Zmore like thismore than 2014-10-13T12:31:07.2821486Z
unstar this property answering member
4262
star this property label Biography information for Lord Deighton more like this
star this property tabling member
4196
unstar this property label Biography information for Lord Sharkey more like this