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31321

registered interest
date	07/01/2014
answering body	HM Treasury
answering dept id	14
answering dept short name
answering dept sort name
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with UKAR regarding the potential effect on customers of a rise in interest rates.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	182195
answer	answer is ministerial correction date of answer 13/05/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 182196 question first answered 13/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4011 label Biography information for Cathy Jamieson

31322

registered interest
date	07/01/2014
answering body	HM Treasury
answering dept id	14
answering dept short name
answering dept sort name
house id	1
legislature	25259 pref label House of Commons
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.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	182196
answer	answer is ministerial correction date of answer 13/05/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 182195 question first answered 13/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4011 label Biography information for Cathy Jamieson

165887

registered interest
date	25/11/2014
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	Flexible Working: Scotland
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 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.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	215848
answer	answer is ministerial correction date of answer 02/12/2014 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> answering member constituency East Dunbartonshire answering member printed Jo Swinson question first answered 02/12/2014 17:23:42 answering member 1513 label Biography information for Jo Swinson
tabling member	4011 label Biography information for Cathy Jamieson

76242

registered interest
date	08/07/2014
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	Vetting: Scotland
house id	1
legislature	25259 pref label House of Commons
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.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	204523
answer	answer is ministerial correction date of answer 15/07/2014 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> answering member constituency East Dunbartonshire answering member printed Jo Swinson question first answered 15/07/2014 14:32:29 answering member 1513 label Biography information for Jo Swinson
tabling member	4011 label Biography information for Cathy Jamieson

170087

registered interest
date	12/12/2014
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	NHS: Transatlantic Trade and Investment Partnership
house id	1
legislature	25259 pref label House of Commons
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.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	218548
answer	answer is ministerial correction date of answer 17/12/2014 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> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 17/12/2014 16:18:24 answering member 4070 label Biography information for Matt Hancock
tabling member	4011 label Biography information for Cathy Jamieson

173872

registered interest
date	15/01/2015
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	Offshore Industry: Kilmarnock
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 number of jobs in Kilmarnock and Loudoun constituency which are part of the supply chain for the oil and gas industry.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	220863
answer	answer is ministerial correction date of answer 27/01/2015 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> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 27/01/2015 14:20:45 answering member 4070 label Biography information for Matt Hancock
tabling member	4011 label Biography information for Cathy Jamieson

57840

registered interest
date	04/06/2014
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	New Businesses: Disability
house id	1
legislature	25259 pref label House of Commons
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.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	198945
answer	answer is ministerial correction date of answer 09/06/2014 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> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 09/06/2014 15:46:52 answering member 4070 label Biography information for Matt Hancock
tabling member	4011 label Biography information for Cathy Jamieson

49208

registered interest
date	30/04/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with (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.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	197276
answer	answer is ministerial correction date of answer 08/05/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 197277 197278 197279 question first answered 08/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4011 label Biography information for Cathy Jamieson

49209

registered interest
date	30/04/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
house id	1
legislature	25259 pref label House of Commons
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.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	197277
answer	answer is ministerial correction date of answer 08/05/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 197276 197278 197279 question first answered 08/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4011 label Biography information for Cathy Jamieson

49210

registered interest
date	30/04/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment he has made of the future implementation of the Debt Management Plan Protocol.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	197278
answer	answer is ministerial correction date of answer 08/05/2014 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> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 197276 197277 197279 question first answered 08/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4011 label Biography information for Cathy Jamieson