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1198867

	registered interest
	date	01/06/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Wonga
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, how many claims for refunds from Wonga customers who were mis-sold higher risk loans remain outstanding; and if he will make an assessment of the potential merits of providing support from the public purse to those customers who only received 4.3 per cent of the compensation due to them.
	tabling member constituency	Coventry South
	tabling member printed	Zarah Sultana
	uin	52558
	answer	answer is ministerial correction date of answer 04/06/2020 answer text <p>When a firm enters administration, assets are pooled and used to cover customer redress claims and administration costs. In the case of Wonga, the pooled assets are not sufficient to meet all of the redress claims. The administrator, Grant Thornton UK LLP, is therefore unable to pay out 100% of these claims and must address claims in order of the creditor hierarchy. The number of redress claims and the amounts due in the case of Wonga is a matter for the administrators.</p><p>The Financial Conduct Authority (FCA), who regulate payday loans, has the power to decide which activities are given Financial Services Compensation Scheme (FSCS) protection. In 2016, the FCA decided not to extend FSCS protection to most consumer credit activities because it believed other regulatory requirements were sufficient. The full reasoning behind the FCA’s decision is set out in a letter from their Chief Executive to the Chair of the Treasury Select Committee on 15 February 2019.</p> answering member constituency Salisbury answering member printed John Glen question first answered 04/06/2020 09:53:47 answering member 4051 label Biography information for John Glen
	tabling member	4786 label Biography information for Zarah Sultana

1198722

	registered interest
	date	01/06/2020
	answering body	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 the Chancellor of the Exchequer, what assessment he has made of the effect of the modified affordability assessment on the number of mortgage prisoners unable to access new mortgage products.
	tabling member constituency	Chatham and Aylesford
	tabling member printed	Tracey Crouch
	uin	51849
	answer	answer is ministerial correction date of answer 04/06/2020 answer text <p>The Government remains committed to supporting these borrowers, which is why the Government and the FCA have taken action to remove the regulatory barriers that previously prevented switching.</p><p> </p><p>Lenders are currently making the necessary adjustments and system changes to enable them to use the modified affordability assessment for borrowers looking to re-mortgage. We expect lenders to start offering these borrowers products using the new rules soon.</p><p> </p><p>I have written to Stephen Jones, Chief Executive Officer of UK Finance outlining my expectation that as many of its members as possible should move quickly to offer new deals to borrowers that are eligible to switch under the new FCA rules. You can read the letter here:</p><p><a href="https://www.gov.uk/government/publications/a-letter-from-john-glen-to-stephen-jones-on-mortgage-prisoners" target="_blank">https://www.gov.uk/government/publications/a-letter-from-john-glen-to-stephen-jones-on-mortgage-prisoners</a>.</p><p> </p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 51850 question first answered 04/06/2020 09:50:29 answering member 4051 label Biography information for John Glen
	tabling member	3950 label Biography information for Dame Tracey Crouch

1198723

	registered interest
	date	01/06/2020
	answering body	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 the Chancellor of the Exchequer, what recent discussions he has had with UK Finance on its members using the modified affordability assessment for mortgage prisoners.
	tabling member constituency	Chatham and Aylesford
	tabling member printed	Tracey Crouch
	uin	51850
	answer	answer is ministerial correction date of answer 04/06/2020 answer text <p>The Government remains committed to supporting these borrowers, which is why the Government and the FCA have taken action to remove the regulatory barriers that previously prevented switching.</p><p> </p><p>Lenders are currently making the necessary adjustments and system changes to enable them to use the modified affordability assessment for borrowers looking to re-mortgage. We expect lenders to start offering these borrowers products using the new rules soon.</p><p> </p><p>I have written to Stephen Jones, Chief Executive Officer of UK Finance outlining my expectation that as many of its members as possible should move quickly to offer new deals to borrowers that are eligible to switch under the new FCA rules. You can read the letter here:</p><p><a href="https://www.gov.uk/government/publications/a-letter-from-john-glen-to-stephen-jones-on-mortgage-prisoners" target="_blank">https://www.gov.uk/government/publications/a-letter-from-john-glen-to-stephen-jones-on-mortgage-prisoners</a>.</p><p> </p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 51849 question first answered 04/06/2020 09:50:29 answering member 4051 label Biography information for John Glen
	tabling member	3950 label Biography information for Dame Tracey Crouch

1198195

	registered interest
	date	01/06/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Northern Ireland Protocol: Customs
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, with reference to paragraph 29 of The UK's Approach to the Northern Ireland Protocol, published May 2020, what steps his Department is taking to encourage businesses to sign up to trusted trader schemes to help facilitate the movement of goods from Great Britain to Northern Ireland.
	tabling member constituency	Chipping Barnet
	tabling member printed	Theresa Villiers
	uin	51691
	answer	answer is ministerial correction date of answer 09/06/2020 answer text <p>The Northern Ireland Protocol is clear that Northern Ireland is, and will remain, part of the UK’s customs territory and that there should be no tariffs on internal UK trade. The Government has also set out that although there will be some limited additional process on goods arriving in Northern Ireland, there will be no new physical customs infrastructure.</p><p>In due course, the Government will also set out more detailed plans for extensive HMRC support for businesses engaged in the limited additional processes, including providing access to existing facilitations to support the movement of goods.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 09/06/2020 12:03:12 answering member 3991 label Biography information for Jesse Norman
	tabling member	1500 label Biography information for Theresa Villiers

1198425

	registered interest
	date	01/06/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Coronavirus Job Retention Scheme and Self-employment Income Support Scheme
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, for what reason the Self-Employment Income Support Scheme has a maximum income cut-off of £50,000 while the Coronavirus Job Retention Scheme does not.
	tabling member constituency	Chipping Barnet
	tabling member printed	Theresa Villiers
	uin	51693
	answer	answer is ministerial correction date of answer 04/06/2020 answer text <p>The different designs of the Coronavirus Job Retention Scheme (CJRS) and the Self-Employment Income Support Scheme (SEISS) reflect their different objectives. The CJRS is designed to prevent employers making staff redundant, whereas the SEISS is designed to support the incomes of those self-employed individuals whose businesses are adversely affected by COVID-19.</p><p> </p><p>Individuals can at present claim a taxable grant under the SEISS worth 80 per cent of their average monthly trading profits, paid out in a single instalment covering three months’ worth of profits, and capped at £7,500 in total.</p><p> </p><p>The extension of the SEISS announced by the Chancellor of the Exchequer on 29 May 2020 means that eligible individuals whose businesses are adversely affected by COVID-19 will be able to claim a second and final grant when the scheme reopens for applications in August. This will be a taxable grant worth 70 per cent of their average monthly trading profits, paid out in a single instalment covering three months’ worth of profits, and capped at £6,570 in total.</p><p> </p><p>The SEISS, including the £50,000 threshold for average trading profits, is targeted at those who most need it, and who are most reliant on their self-employment income. The self-employed are very diverse and have a wide mix of turnover and profits, with monthly and annual variations even in normal times, and in some cases with substantial alternative forms of income too: for example, those who had more than £50,000 from trading profits in 2017-18 had an average total income of more than £200,000. Some 95 per cent of those with more than half their income from self-employment in 2018-19 could be eligible for this scheme.</p><p> </p><p>Those with average trading profits above £50,000 may still be eligible for other elements of the unprecedented financial support package made available by the Government. These measures include Bounce Back loans, tax deferrals, rental support, increased levels of Universal Credit, mortgage holidays, and other business support grants.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman grouped question UIN 51516 question first answered 04/06/2020 15:59:21 answering member 3991 label Biography information for Jesse Norman
	tabling member	1500 label Biography information for Theresa Villiers

1197960

	registered interest
	date	01/06/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Revenue and Customs: Disability
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, with reference to the Answer of 29 November 2017 to Question 115096 on Revenue and Customs: Disability, what recent assessment he has made of whether HMRC's Regional Centre in 3 Glass Wharf, Bristol meets the 2018 edition of British Standard 8300.
	tabling member constituency	Bristol West
	tabling member printed	Thangam Debbonaire
	uin	52132
	answer	answer is ministerial correction date of answer 09/06/2020 answer text <p>HMRC aim to deliver excellent workplaces for all of their staff. This means allowing people to access and work in their buildings confidently, independently and with dignity regardless of their age, disability, race, religion, gender or sexual orientation.</p><p> </p><p>3 Glass Wharf, Bristol meets building regulations required by law. Building Standard 8300 (BS8300) brings together a further range of inclusive design guidance, with the previous 2009 edition being revised in 2018. The 2009 version sought provision well beyond those required by building regulations, with the 2018 edition going still further. Planning permission was granted and construction commenced before the 2018 revision.</p><p> </p><p>Standards are considered voluntary guidance, without the force of law, and are not retrospective. However, HMRC have decided to go further than what is required by law and have additional reasonable work planned at 3 Glass Wharf, beyond the 2009 version, in relation to the 2018 edition of BS8300.</p><p> </p><p>HMRC have a number of policies and processes in place that are designed to ensure the needs of colleagues requiring adjustments are met. Health Related Special Leave is one element. As a person’s health and medical conditions are sensitive, HMRC’s HR systems do not record the reason for granting special leave. The reason for an individual’s Special Leave is only recorded by their manager and is not collated as part of a data set.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman grouped question UIN 52133 52134 question first answered 09/06/2020 11:55:20 answering member 3991 label Biography information for Jesse Norman
	tabling member	4433 label Biography information for Thangam Debbonaire

1197961

	registered interest
	date	01/06/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Revenue and Customs: Disability
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, with reference to the Answer of 29 November 2017 to Question 115096 on Revenue and Customs: Disability, how many HMRC staff have been granted Health Related Special Leave because they are awaiting reasonable adjustments under the Equality Act 2010 to be made at the HMRC Regional Centre in 3 Glass Wharf, Bristol.
	tabling member constituency	Bristol West
	tabling member printed	Thangam Debbonaire
	uin	52133
	answer	answer is ministerial correction date of answer 09/06/2020 answer text <p>HMRC aim to deliver excellent workplaces for all of their staff. This means allowing people to access and work in their buildings confidently, independently and with dignity regardless of their age, disability, race, religion, gender or sexual orientation.</p><p> </p><p>3 Glass Wharf, Bristol meets building regulations required by law. Building Standard 8300 (BS8300) brings together a further range of inclusive design guidance, with the previous 2009 edition being revised in 2018. The 2009 version sought provision well beyond those required by building regulations, with the 2018 edition going still further. Planning permission was granted and construction commenced before the 2018 revision.</p><p> </p><p>Standards are considered voluntary guidance, without the force of law, and are not retrospective. However, HMRC have decided to go further than what is required by law and have additional reasonable work planned at 3 Glass Wharf, beyond the 2009 version, in relation to the 2018 edition of BS8300.</p><p> </p><p>HMRC have a number of policies and processes in place that are designed to ensure the needs of colleagues requiring adjustments are met. Health Related Special Leave is one element. As a person’s health and medical conditions are sensitive, HMRC’s HR systems do not record the reason for granting special leave. The reason for an individual’s Special Leave is only recorded by their manager and is not collated as part of a data set.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman grouped question UIN 52132 52134 question first answered 09/06/2020 11:55:20 answering member 3991 label Biography information for Jesse Norman
	tabling member	4433 label Biography information for Thangam Debbonaire

1197962

	registered interest
	date	01/06/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Revenue and Customs: Disability
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, with reference to the Answer of 29 November 2017 to Question 115096 on Revenue and Customs: Disability, how many HMRC staff have been granted Health Related Special Leave (formerly Disability Adjustment Leave) because they are awaiting reasonable adjustments under the Equality Act 2010 to be made at the HMRC Regional Centre in 3 Glass Wharf, Bristol, since September 2019.
	tabling member constituency	Bristol West
	tabling member printed	Thangam Debbonaire
	uin	52134
	answer	answer is ministerial correction date of answer 09/06/2020 answer text <p>HMRC aim to deliver excellent workplaces for all of their staff. This means allowing people to access and work in their buildings confidently, independently and with dignity regardless of their age, disability, race, religion, gender or sexual orientation.</p><p> </p><p>3 Glass Wharf, Bristol meets building regulations required by law. Building Standard 8300 (BS8300) brings together a further range of inclusive design guidance, with the previous 2009 edition being revised in 2018. The 2009 version sought provision well beyond those required by building regulations, with the 2018 edition going still further. Planning permission was granted and construction commenced before the 2018 revision.</p><p> </p><p>Standards are considered voluntary guidance, without the force of law, and are not retrospective. However, HMRC have decided to go further than what is required by law and have additional reasonable work planned at 3 Glass Wharf, beyond the 2009 version, in relation to the 2018 edition of BS8300.</p><p> </p><p>HMRC have a number of policies and processes in place that are designed to ensure the needs of colleagues requiring adjustments are met. Health Related Special Leave is one element. As a person’s health and medical conditions are sensitive, HMRC’s HR systems do not record the reason for granting special leave. The reason for an individual’s Special Leave is only recorded by their manager and is not collated as part of a data set.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman grouped question UIN 52132 52133 question first answered 09/06/2020 11:55:20 answering member 3991 label Biography information for Jesse Norman
	tabling member	4433 label Biography information for Thangam Debbonaire

1198055

	registered interest
	date	01/06/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Economic Situation: Coronavirus
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what plans he has to improve economic opportunities across the UK after the lifting of lockdown restrictions due to the covid-19 outbreak.
	tabling member constituency	Wolverhampton South West
	tabling member printed	Stuart Anderson
	uin	52493
	answer	answer is ministerial correction date of answer 09/06/2020 answer text We recognise that every region and community will be feeling the impacts of this crisis. This is why the Government has put in place unprecedented support to protect workers and businesses across the country. As we move forward, the government will continue to engage local leaders and to level up opportunity across the UK. answering member constituency Saffron Walden answering member printed Kemi Badenoch question first answered 09/06/2020 15:51:44 answering member 4597 label Biography information for Kemi Badenoch
	tabling member	4742 label Biography information for Stuart Anderson

1198890

	registered interest
	date	01/06/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Self-employment Income Support Scheme
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, with reference Self-Employment Income Support Scheme, what support he plans to provide for self-employed people who (a) do not have tax returns for the financial year 2018-19 and (b) are not eligible for universal credit.
	tabling member constituency	Wolverhampton South West
	tabling member printed	Stuart Anderson
	uin	52498
	answer	answer is ministerial correction date of answer 09/06/2020 answer text <p>It has not been possible to include those who began trading after the 2018-19 tax year in the SEISS. This was a very difficult decision and it was taken for practical reasons. As the Chancellor highlighted when announcing the SEISS, in order to ensure that the scheme is deliverable, only those who are already in self-employment and had a tax return for 2018-19 are able to apply. Unlike for employees, self-employed income is not reported monthly, but at the end of each tax year on the individual’s Income Tax Self Assessment return. This means that the most reliable and up-to-date record of self-employed income is from 2018-19 tax returns.</p><p>The Government recognises that those who started trading more recently will not have submitted a tax return for the 2018-19 tax year, and it has considered alternative approaches. This included using tax returns for 2019-20, now that these can be submitted to HMRC.</p><p>However, there would be significant risks for the public purse if the Government relied on 2019-20 returns for the SEISS, as this would create an opportunity for fraudulent activity.</p> answering member constituency Hereford and South Herefordshire answering member printed Jesse Norman question first answered 09/06/2020 13:29:51 answering member 3991 label Biography information for Jesse Norman
	tabling member	4742 label Biography information for Stuart Anderson