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31321
star this property registered interest false more like this
star this property date less than 2014-01-07more like thismore than 2014-01-07
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
star this property answering dept sort name
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 Mr Chancellor of the Exchequer, what discussions he has had with UKAR regarding the potential effect on customers of a rise in interest rates. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 182195 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2014-05-13more like thismore than 2014-05-13
star this property answer text <p>This Government's long term economic plan has kept interest rates at record lows for hardworking people across the country.</p><p> </p><p>Many lenders impose affordability stress tests on their mortgage lending decisions to ensure that the mortgage will remain affordable should interest rates rise. The Financial Conduct Authority's Mortgage Market Review rules, which came into force in April this year will require all mortgage lenders to conduct such a stress test.</p><p> </p><p>Although UKAR does not engage in new lending, UKAR runs a range of modelling scenarios to understand the potential effects of interest rate rises on customers. This work helps UKAR to identify customers who may be susceptible to higher interest rates and to engage with such customers at an early stage.</p><p> </p><p>UKAR assists all customers who wish to switch mortgage providers.</p><p> </p><p>NRAM and Bradford and Bingley are managed by UK Asset Resolution Limited (UKAR) which was established in 2010 to manage the disposal and rundown of outstanding assets at Bradford &amp; Bingley and Northern Rock Asset Management in an integrated way, with a view to creating value for the taxpayer. UKAR is managed at arm's length from Government, on commercial principles.</p><p> </p><p>It is therefore not for the Chancellor to discuss detailed commercial matters with UKAR.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
unstar this property grouped question UIN 182196 more like this
star this property question first answered
less than 2014-05-13T12:00:00.00Zmore like thismore than 2014-05-13T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
31322
star this property registered interest false more like this
star this property date less than 2014-01-07more like thismore than 2014-01-07
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
star this property answering dept sort name
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 Mr Chancellor of the Exchequer, what assessment he has made of the potential effect of an interest rate rise on customers whose mortgages are held by UKAR; and what support is available to assist such customers to switch providers. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 182196 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2014-05-13more like thismore than 2014-05-13
star this property answer text <p>This Government's long term economic plan has kept interest rates at record lows for hardworking people across the country.</p><p> </p><p>Many lenders impose affordability stress tests on their mortgage lending decisions to ensure that the mortgage will remain affordable should interest rates rise. The Financial Conduct Authority's Mortgage Market Review rules, which came into force in April this year will require all mortgage lenders to conduct such a stress test.</p><p> </p><p>Although UKAR does not engage in new lending, UKAR runs a range of modelling scenarios to understand the potential effects of interest rate rises on customers. This work helps UKAR to identify customers who may be susceptible to higher interest rates and to engage with such customers at an early stage.</p><p> </p><p>UKAR assists all customers who wish to switch mortgage providers.</p><p> </p><p>NRAM and Bradford and Bingley are managed by UK Asset Resolution Limited (UKAR) which was established in 2010 to manage the disposal and rundown of outstanding assets at Bradford &amp; Bingley and Northern Rock Asset Management in an integrated way, with a view to creating value for the taxpayer. UKAR is managed at arm's length from Government, on commercial principles.</p><p> </p><p>It is therefore not for the Chancellor to discuss detailed commercial matters with UKAR.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
unstar this property grouped question UIN 182195 more like this
star this property question first answered
less than 2014-05-13T12:00:00.00Zmore like thismore than 2014-05-13T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
165887
star this property registered interest false more like this
star this property date less than 2014-11-25more like thismore than 2014-11-25
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
unstar this property hansard heading Flexible Working: Scotland more like this
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 estimate he has made of the number of (a) women and (b) men in (i) Scotland and (ii) Kilmarnock and Loudoun constituency who have made a statutory application to request flexible working. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 215848 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2014-12-02more like thismore than 2014-12-02
star this property answer text <p>The latest Work-life Balance Employee Survey which is available on .gov.uk shows that in 2011, 28% of women employees and 17% of male employees in Great Britain, and 17% of employees in Scotland had made a request to change their working arrangements in the last two years. The Survey does not provide the statistics for men and women at the level of Scotland, or at the level of the Kilmarnock and Loudoun constituency.</p><p> </p><p>The survey defines working arrangements as the amount of hours worked, when these hours are worked, and where (e.g. at home).</p><p> </p> more like this
star this property answering member constituency East Dunbartonshire more like this
star this property answering member printed Jo Swinson more like this
star this property question first answered
less than 2014-12-02T17:23:42.467Zmore like thismore than 2014-12-02T17:23:42.467Z
star this property answering member
1513
star this property label Biography information for Jo Swinson more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
170087
star this property registered interest false more like this
star this property date less than 2014-12-12more like thismore than 2014-12-12
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
unstar this property hansard heading NHS: Transatlantic Trade and Investment Partnership more like this
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 representations he has received from the Scottish Government on a possible exemption for the NHS in Scotland negotiations on the Transatlantic Trade and Investment Partnership. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 218548 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2014-12-17more like thismore than 2014-12-17
star this property answer text <p>The Transatlantic Trade and Investment partnership (TTIP) and the NHS have been discussed with the Scottish Government at official and Ministerial level.</p><p> </p><p> </p><p> </p><p>Both the European Commission and US negotiators have explicitly ruled out public services from the scope of any market liberalisation in TTIP, and it has therefore not been necessary to discuss any exclusions related to specific public services. The Scottish Government’s ability to determine how publically funded health services in Scotland are provided will not be affected. It will be completely up to the Scottish Government to take decisions on which providers deliver health care services in the best interests of their patients.</p><p> </p><p> </p><p> </p> more like this
star this property answering member constituency West Suffolk more like this
star this property answering member printed Matthew Hancock more like this
star this property question first answered
less than 2014-12-17T16:18:24.723Zmore like thismore than 2014-12-17T16:18:24.723Z
star this property answering member
4070
star this property label Biography information for Matt Hancock more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
173872
star this property registered interest false more like this
star this property date less than 2015-01-15more like thismore than 2015-01-15
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
unstar this property hansard heading Offshore Industry: Kilmarnock more like this
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 estimate he has made of the number of jobs in Kilmarnock and Loudoun constituency which are part of the supply chain for the oil and gas industry. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 220863 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2015-01-27more like thismore than 2015-01-27
star this property answer text <p>We do not hold specific information on the number of oil and gas supply chain jobs in Kilmarnock and Loudon constituency.</p><p> </p> more like this
star this property answering member constituency West Suffolk more like this
star this property answering member printed Matthew Hancock more like this
star this property question first answered
less than 2015-01-27T14:20:45.867Zmore like thismore than 2015-01-27T14:20:45.867Z
star this property answering member
4070
star this property label Biography information for Matt Hancock more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
57840
star this property registered interest false more like this
star this property date less than 2014-06-04more like thismore than 2014-06-04
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
unstar this property hansard heading New Businesses: Disability more like this
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 assistance is available to disabled people who wish to start their own businesses. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 198945 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2014-06-09more like thismore than 2014-06-09
star this property answer text <p> </p><p>We continue to work hard to provide the right support to make life easier for all people setting up and growing a business, including disabled people.</p><p> </p><p> </p><p> </p><p><a href="http://www.gov.uk/business" target="_blank">www.gov.uk/business</a> is the home for Government services and information online. One of the tools available is the 'Business Finance and Support Finder;' that can provide a customised source of government backed support and finance for business. The website <a href="http://www.greatbusiness.gov.uk/" target="_blank">www.greatbusiness.gov.uk</a> also provides support and advice for anyone trying to grow a business as well as for entrepreneurs starting out.</p><p> </p><p> </p><p> </p><p>In addition to on-line support, the Business Support Helpline (0300 456 3565) is available to provide a quick response on queries about starting a business, or a personalised and in-depth advice service for more complex needs. For those looking for start-up finance and advice there are Start-Up Loans: 19 loans worth a total of £53,855have been drawn down in Kilmarncock and Loudoun to date.</p><p> </p><p> </p><p> </p><p>Finally, the New Enterprise Allowance helps people claiming certain out of work benefits to start up their own business. As of March 2014, 7,420 disabled people (or a total of 40,420) had started a new business with the help of the NEA.</p><p> </p><p> </p><p> </p>
star this property answering member constituency West Suffolk more like this
star this property answering member printed Matthew Hancock more like this
star this property question first answered
less than 2014-06-09T15:46:52.8219899Zmore like thismore than 2014-06-09T15:46:52.8219899Z
star this property answering member
4070
star this property label Biography information for Matt Hancock more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
76242
star this property registered interest false more like this
star this property date less than 2014-07-08more like thismore than 2014-07-08
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
unstar this property hansard heading Vetting: Scotland more like this
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 recent discussions he has had with the Scottish Government on the practice of blacklisting in public sector procurement contracts. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 204523 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2014-07-15more like thismore than 2014-07-15
star this property answer text <p>BIS Ministers have not had any discussions with Scottish Ministers on the practice of blacklisting in public sector procurement contracts. However, my Hon. Friend, the Minister of State for Employment Relations and Consumer Affairs at the time (Jenny Willott), did write to Ian Davidson, Chair of the Scottish Affairs Committee, earlier in the year commenting on their second interim report ‘Blacklisting in Employment: addressing the crimes of the past'.</p> more like this
star this property answering member constituency East Dunbartonshire more like this
star this property answering member printed Jo Swinson more like this
star this property question first answered
less than 2014-07-15T14:32:29.8987266Zmore like thismore than 2014-07-15T14:32:29.8987266Z
star this property answering member
1513
star this property label Biography information for Jo Swinson more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
44970
star this property registered interest false more like this
star this property date less than 2014-03-25more like thismore than 2014-03-25
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 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 Mr Chancellor of the Exchequer, what estimate he has made of the number of people who have utilised their full tax-free ISA allowance in each of the last three years in (a) the UK, (b) Scotland and (c) each parliamentary constituency. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 193677 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2014-05-12more like thismore than 2014-05-12
star this property answer text <p>Until 1 July 2014 there are two allowances for ISAs: a cash and an overall allowance. This answer assumes you are asking about the overall allowance.</p><p> </p><p>The following table contains the number of individuals who made full use of their (£10,680) ISA allowance in 2011-12 in the UK and in Scotland.</p><p> </p><table><tbody><tr><td><p>Country</p></td><td><p>Number of individuals (thousands)</p></td></tr><tr><td><p>Scotland</p></td><td><p>73</p></td></tr><tr><td><p>United Kingdom</p></td><td><p>1,005</p></td></tr></tbody></table><p> </p><p>A breakdown for 2012-13 and 2013-14 is not yet available. Constituency-level statistics are not available.</p><p> </p><p>As announced at Budget 2014, from 1 July 2014 the overall annual New ISA subscription limit will be increased to £15,000 and can be used for either cash or stocks and shares investments, or any combination of the two, up to this limit.</p><p> </p><p>This measure will reduce income tax on savings for people constrained by the current limits, improving incentives to save and increasing real household disposable incomes. Over 6 million people are expected to benefit from these increases, including over 5 million adults expected to be constrained by the cash ISA limit.</p><p> </p>
star this property answering member constituency South West Hertfordshire more like this
star this property answering member printed Mr David Gauke more like this
star this property question first answered
less than 2014-05-12T12:00:00.00Zmore like thismore than 2014-05-12T12:00:00.00Z
star this property answering member
1529
star this property label Biography information for Mr David Gauke more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49208
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
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 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 Mr Chancellor of the Exchequer, what discussions he has had with (a) representatives or organisations offering free debt advice, (b) representatives of fee charging debt management organisations, (c) creditors and (d) the Insolvency Service on the potential effect of his Department's withdrawal from the Debt Management Plan Protocol guidance group. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197276 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197277 more like this
197278 more like this
197279 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49209
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
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 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 Mr Chancellor of the Exchequer, for what reason his Department will no longer participate in the Debt Management Plan Protocol guidance group; and if he will make a statement. more like this
star this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197277 more like this
star this property answer
answer
star this property is ministerial correction false more like this
unstar this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197276 more like this
197278 more like this
197279 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
unstar this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter