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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 remove filter
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
star 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
star 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
unstar this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this
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 remove filter
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
star 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
star 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
unstar this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this
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 remove filter
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
star 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
unstar this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this
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 remove filter
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
star 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
unstar this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this
49210
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 assessment he has made of the future implementation of the Debt Management Plan Protocol. more like this
star this property tabling member constituency Kilmarnock and Loudoun remove filter
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197278 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 2014-05-08more 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
197277 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
unstar this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this
49211
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 assessment he has made of the effect of his Department's withdrawal from the Debt Management Plan Protocol guidance group on the development of future non-statutory debt solutions. more like this
star this property tabling member constituency Kilmarnock and Loudoun remove filter
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197279 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 2014-05-08more 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
197277 more like this
197278 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
unstar this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this
47650
star this property registered interest true more like this
star this property date less than 2014-04-08more like thismore than 2014-04-08
star this property answering body
Department for International Development more like this
star this property answering dept id 20 more like this
star this property answering dept short name International Development more like this
star this property answering dept sort name International Development 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 International Development, how her Department plans to support the Tanzanian Government to ensure the effective implementation of the Literacy and Numeracy for All Children, pre and primary education age, in and out of school programme. more like this
star this property tabling member constituency Kilmarnock and Loudoun remove filter
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 195790 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 2014-04-28more like thisremove minimum value filter
star this property answer text <p> </p><p>DFID is the largest financier of the Global Partnership for Education and in Tanzania has supported the award of a £57m grant to implement the “Literacy and Numeracy Education Support (LANES)” programme. LANES targets the acquisition of reading, writing and numeracy skills among children in and out of school, targeting especially the marginalised.</p><p> </p><p>DFID's programme in Tanzania provides major support to basic education. In 2013/14 £24m of education sector budget support was provided directly to the Tanzanian government. In addition a £49m programme of support commenced, to improve the overall quality of primary education in seven disadvantaged regions.</p><p> </p> more like this
star this property answering member constituency Hornsey and Wood Green more like this
star this property answering member printed Lynne Featherstone more like this
star this property grouped question UIN 195787 more like this
star this property question first answered
less than 2014-04-28T12:00:00.00Zmore like thismore than 2014-04-28T12:00:00.00Z
unstar this property answering member
1531
star this property label Biography information for Baroness Featherstone more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this
47651
star this property registered interest true more like this
star this property date less than 2014-04-08more like thismore than 2014-04-08
star this property answering body
Department for International Development more like this
star this property answering dept id 20 more like this
star this property answering dept short name International Development more like this
star this property answering dept sort name International Development 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 International Development, pursuant to the Answer of 14 October 2013, Official Report, column 568W, on catalytic fund, whether it has been agreed how the catalytic fund will function and who will be able to access funding; and if she will make a statement. more like this
star this property tabling member constituency Kilmarnock and Loudoun remove filter
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 195792 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 2014-04-28more like thisremove minimum value filter
star this property answer text <p> </p><p>The new catalytic financing mechanism will aim to provide incentives to attract new private funds alongside increased domestic budgets for high impact nutrition interventions. The scope and governance of the fund is being developed with the Children's Investment Fund Foundation. No funds have been disbursed. DFID will consider its own contribution once the mechanism and governance have been agreed.</p><p> </p> more like this
star this property answering member constituency Hornsey and Wood Green more like this
star this property answering member printed Lynne Featherstone more like this
star this property grouped question UIN
195788 more like this
195789 more like this
star this property question first answered
less than 2014-04-28T12:00:00.00Zmore like thismore than 2014-04-28T12:00:00.00Z
unstar this property answering member
1531
star this property label Biography information for Baroness Featherstone more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this
47653
star this property registered interest true more like this
star this property date less than 2014-04-08more like thismore than 2014-04-08
star this property answering body
Department for International Development more like this
star this property answering dept id 20 more like this
star this property answering dept short name International Development more like this
star this property answering dept sort name International Development 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 International Development, what progress she has made on the creation of the catalytic fund announced at the Nutrition for Growth summit. more like this
star this property tabling member constituency Kilmarnock and Loudoun remove filter
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 195789 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 2014-04-28more like thisremove minimum value filter
star this property answer text <p> </p><p>The new catalytic financing mechanism will aim to provide incentives to attract new private funds alongside increased domestic budgets for high impact nutrition interventions. The scope and governance of the fund is being developed with the Children's Investment Fund Foundation. No funds have been disbursed. DFID will consider its own contribution once the mechanism and governance have been agreed.</p><p> </p> more like this
star this property answering member constituency Hornsey and Wood Green more like this
star this property answering member printed Lynne Featherstone more like this
star this property grouped question UIN
195788 more like this
195792 more like this
star this property question first answered
less than 2014-04-28T12:00:00.00Zmore like thismore than 2014-04-28T12:00:00.00Z
unstar this property answering member
1531
star this property label Biography information for Baroness Featherstone more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this
47654
star this property registered interest true more like this
star this property date less than 2014-04-08more like thismore than 2014-04-08
star this property answering body
Department for International Development more like this
star this property answering dept id 20 more like this
star this property answering dept short name International Development more like this
star this property answering dept sort name International Development 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 International Development, what steps her Department is taking to reduce the number of out-of-school street children in Tanzania. more like this
star this property tabling member constituency Kilmarnock and Loudoun remove filter
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 195787 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 2014-04-28more like thisremove minimum value filter
star this property answer text <p> </p><p>DFID is the largest financier of the Global Partnership for Education and in Tanzania has supported the award of a £57m grant to implement the “Literacy and Numeracy Education Support (LANES)” programme. LANES targets the acquisition of reading, writing and numeracy skills among children in and out of school, targeting especially the marginalised.</p><p> </p><p>DFID's programme in Tanzania provides major support to basic education. In 2013/14 £24m of education sector budget support was provided directly to the Tanzanian government. In addition a £49m programme of support commenced, to improve the overall quality of primary education in seven disadvantaged regions.</p><p> </p> more like this
star this property answering member constituency Hornsey and Wood Green more like this
star this property answering member printed Lynne Featherstone more like this
star this property grouped question UIN 195790 more like this
star this property question first answered
less than 2014-04-28T12:00:00.00Zmore like thismore than 2014-04-28T12:00:00.00Z
unstar this property answering member
1531
star this property label Biography information for Baroness Featherstone more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson more like this