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1198867
star this property registered interest false more like this
star this property date less than 2020-06-01more like thismore than 2020-06-01
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Wonga 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 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. more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 52558 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 2020-06-04more like thismore than 2020-06-04
unstar this property 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> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2020-06-04T09:53:47.667Zmore like thismore than 2020-06-04T09:53:47.667Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this
1359238
star this property registered interest false more like this
star this property date less than 2021-10-15more like thismore than 2021-10-15
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Financial Services 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 Chancellor of the Exchequer, what assessment his Department has made of the potential merits of bringing forward legislative proposals to extend to the purchase of all financial products the 14-day cooling-off period applicable to some of those products. more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 56249 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 2021-10-25more like thismore than 2021-10-25
unstar this property answer text <p>Various laws give consumers rights to cooling off periods, including the Consumer Credit Act 1974 which provides a 14 day cooling off period in which to cancel a credit agreement, such as a personal loan. In addition, the Financial Services (Distance Marketing) Regulations 2004 set out that for most financial services sold at a distance, consumers generally have 14 days to cancel the contract. For some products, such as certain pension products, the period is 30 days.</p><p> </p><p>There are some financial products where the right to cancel doesn't apply, for example where the price of that service depends on fluctuations in the financial markets beyond the control of the product provider, or where the service purchased has been used in full.</p><p> </p><p>The Government keeps all legislation under review, working closely with the financial services regulators as appropriate.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2021-10-25T13:52:50.917Zmore like thismore than 2021-10-25T13:52:50.917Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this
1337346
star this property registered interest false more like this
star this property date less than 2021-06-16more like thismore than 2021-06-16
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Self-employment Income Support Scheme 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 Chancellor of the Exchequer, what steps he is taking to support recipients of grants from the Self-Employment Income Support Scheme who are being refused mortgages as a result of financial insecurity following the covid-19 outbreak. more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 16962 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 2021-06-21more like thismore than 2021-06-21
unstar this property answer text <p>Up to 9 May, £24.5bn has been paid in Self Employed Income Support Scheme grants in total. Across the four schemes 2.8m individuals have received a grant and 8.8m total grants have been claimed.</p><p>Decisions concerning the pricing and availability of loans, including application requirements, remain commercial decisions for lenders and the Government does not seek to intervene. For individuals applying for new credit, it remains important that lenders are able to carry out proper checks to ensure that they are not lending in an unaffordable way, especially if, for example, a borrower’s income had not yet returned to the levels it was at pre Covid-19. Where an individual has been refused a mortgage with one provider, we would also urge them to shop around, recognising lenders do not all take the same approach to assessing affordability.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2021-06-21T11:16:07.893Zmore like thismore than 2021-06-21T11:16:07.893Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this
1256637
star this property registered interest false more like this
star this property date less than 2020-11-30more like thismore than 2020-11-30
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Sunscreens: VAT 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 Chancellor of the Exchequer, what assessment he has made of the potential merits of reclassifying sunscreen products as essential healthcare items for VAT purposes. more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 122902 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 2020-12-08more like thismore than 2020-12-08
unstar this property answer text <p>Under the current VAT rules, sun protection products are subject to the standard rate of VAT. High-factor sunscreen is on the NHS prescription list for certain conditions and is provided VAT free when dispensed by a pharmacist.</p><p> </p><p>Expanding the scope of the current VAT relief would come at a considerable cost to the Exchequer. Therefore, while all taxes are kept under review, there are currently no plans to reduce VAT on sunscreen products.</p> more like this
star this property answering member constituency Hereford and South Herefordshire more like this
star this property answering member printed Jesse Norman more like this
star this property question first answered
less than 2020-12-08T12:08:55.84Zmore like thismore than 2020-12-08T12:08:55.84Z
unstar this property answering member
3991
star this property label Biography information for Jesse Norman more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this
1544884
star this property registered interest false more like this
star this property date less than 2022-11-23more like thismore than 2022-11-23
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Bank Services and Banking Hubs 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 Chancellor of the Exchequer, if he will make an assessment of the potential impact of the Financial Services and Markets Bill on (a) preventing the loss of local access to cash and banking services, (b) support for local communities to create banking hubs and (c) protecting free access to cash and in-person banking services. more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 94876 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 2022-11-28more like thismore than 2022-11-28
unstar this property answer text <p>The way consumers and businesses make payments and interact with their banking continues to develop at pace, bringing significant benefits to those who choose to opt for the convenience, security, and speed of digital payments and banking.</p><p> </p><p>The government is currently taking legislation through Parliament as part of the Financial Services and Markets Bill to protect access to cash. The Bill will establish the Financial Conduct Authority (FCA) as the lead regulator for access to cash and provide it with appropriate powers to seek to ensure reasonable provision of withdrawal and deposit facilities. These powers will allow the FCA to take account of factors it considers appropriate, which could include cost for end users and accessibility.</p><p> </p><p>Following the government’s commitment to legislate, industry is working together to develop new initiatives to provide shared access to cash services. As a result, communities can request an assessment of access to cash in their area by LINK: <a href="https://www.link.co.uk/consumers/request-access-to-cash/" target="_blank">https://www.link.co.uk/consumers/request-access-to-cash/</a></p><p> </p><p>The government has welcomed industry’s commitments and, in recognition of these developments, the Bill grants HM Treasury powers to bring the operators of cash coordination arrangements under the FCA’s oversight.</p><p> </p><p>In terms of access to banking services, the government believes that all customers, wherever they live, should have appropriate access to banking services. However, decisions on opening and closing branches are a commercial issue for banks and building societies. The government does not intervene in these decisions or make direct assessments of these branch networks.</p><p> </p><p>Guidance from the FCA sets out its expectation of firms when they are taking decisions relating to the closure of their branches or free-to-use ATMs. Firms are expected to carefully consider the impact of planned branch closures on the everyday banking and cash access needs of their customers and possible alternative access arrangements. This ensures that the implementation of closure decisions is undertaken in a way that treats customers fairly. The FCA expects firms to exercise particular care with vulnerable customers, such as those who are elderly or disabled, and the guidance has recently been strengthened to enhance protections for consumers that rely on branch services.</p><p> </p><p>Alternative options for access can be via telephone banking, through digital means such as mobile or online banking, and the Post Office. Furthermore, industry has committed to new shared bank hubs in 27 locations across the UK to date, in addition to two existing pilot sites. These hubs provide basic banking services, including cash withdrawals and deposits, and a dedicated space where community bankers from participating banks can meet customers of that bank.</p>
star this property answering member constituency Arundel and South Downs more like this
star this property answering member printed Andrew Griffith more like this
star this property question first answered
less than 2022-11-28T13:37:22.573Zmore like thismore than 2022-11-28T13:37:22.573Z
unstar this property answering member
4874
star this property label Biography information for Andrew Griffith more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this
1300142
star this property registered interest false more like this
star this property date less than 2021-03-08more like thismore than 2021-03-08
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Protective Clothing: VAT Zero Rating 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 Chancellor of the Exchequer, what assessment he has made of the potential merits of extending the VAT exemption on personal protective equipment available for (a) funeral homes and (b) other businesses. more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 164644 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 2021-03-11more like thismore than 2021-03-11
unstar this property answer text <p>The temporary zero rate was an extraordinary measure introduced to help affected sectors such as hospitals and care homes during the initial acute period of the COVID-19 crisis, when global supply of PPE did not meet demand and PPE was procured directly from the open market.</p><p> </p><p>Companies in the funeral sector source their own PPE through their normal supply routes. In extreme circumstances, there is provision for them to approach their Local Resilience Forum (LRF) or local authority, where the LRF has stood down, to discuss access to an emergency supply. Given this, there are no plans to review the VAT treatment of PPE.</p> more like this
star this property answering member constituency Hereford and South Herefordshire more like this
star this property answering member printed Jesse Norman more like this
star this property question first answered
less than 2021-03-11T12:47:18.823Zmore like thismore than 2021-03-11T12:47:18.823Z
unstar this property answering member
3991
star this property label Biography information for Jesse Norman more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this
1293345
star this property registered interest false more like this
star this property date less than 2021-03-01more like thismore than 2021-03-01
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Stamp Duty Land Tax 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 Chancellor of the Exchequer, what assessment he has made of the potential merits of introducing a tapering-off period for the Stamp Duty Land Tax holiday beyond 31 March 2021, for people who have begun the buying process beforehand, but not completed it. more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 160825 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 2021-03-04more like thismore than 2021-03-04
unstar this property answer text <p>The temporary increase in the SDLT nil rate band will be extended to continue to support the housing market, while ensuring that purchases that are unable to be completed before 31 March because of delays in the sector are still able to receive the relief.</p><p> </p><p>The nil rate band will continue to be set at £500,000 until 30 June 2021. In order to ease the housing market back to the standard rates, from 1 July 2021, the nil rate band will step down to £250,000 before returning to the standard rate of £125,000 from 1 October 2021.</p> more like this
star this property answering member constituency Hereford and South Herefordshire more like this
star this property answering member printed Jesse Norman more like this
star this property question first answered
less than 2021-03-04T16:49:00.327Zmore like thismore than 2021-03-04T16:49:00.327Z
unstar this property answering member
3991
star this property label Biography information for Jesse Norman more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this
1337384
star this property registered interest false more like this
star this property date less than 2021-06-16more like thismore than 2021-06-16
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Self-employment Income Support Scheme: Carers 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 Chancellor of the Exchequer, with reference to the Answer of 19 May 2020 to Question 45025 on Self-Employment Income Support Scheme: Carers, if he will make an assessment of the potential merits of amending the eligibility criteria for the Self-Employment Income Support Scheme so that trading income does not have to exceed the amount of (a) other income and (b) taxable benefits including carer's allowance. more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 16963 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 2021-06-21more like thismore than 2021-06-21
unstar this property answer text <p>The design of the Self-Employment Income Support Scheme including the requirement that trading profits must be at least equal to non-trading income, means it is targeted at those who are most dependent on their self-employment income. That continues to be the case.</p><p> </p><p>HMRC data shows that the majority of people with positive profits who do not meet the 50 per cent self-employment income test had income from employment, which means they potentially have access to the Coronavirus Job Retention Scheme, as well as other elements of the very substantial package of support made available by the Government</p> more like this
star this property answering member constituency Hereford and South Herefordshire more like this
star this property answering member printed Jesse Norman more like this
star this property question first answered
less than 2021-06-21T14:25:39.917Zmore like thismore than 2021-06-21T14:25:39.917Z
unstar this property answering member
3991
star this property label Biography information for Jesse Norman more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this
1452407
star this property registered interest false more like this
star this property date less than 2022-03-17more like thismore than 2022-03-17
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Public Sector: Workplace Pensions 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 Chancellor of the Exchequer, whether it remains his policy to allow the cost-sharing principle for the public service pension scheme to continue for at least the 25 years initially agreed with unions in 2015. more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 142106 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 2022-03-22more like thismore than 2022-03-22
unstar this property answer text <p>The cost control mechanism is designed to ensure a fair balance of risk between public service pension scheme members and taxpayers with respect to the costs of those schemes.</p><p> </p><p>Following a review of the mechanism by the Government Actuary, and a full and open public consultation process, the Government confirmed that it will implement three reforms to the mechanism. These reforms will be implemented from the 2020 valuations onwards.</p><p> </p><p>The Government does not believe these reforms breach the 25-year guarantee. The elements protected by the 25-year guarantee are set out in legislation, (namely, section 22 of the Public Service Pensions Act 2013), and the cost control mechanism is not included. The reforms will make the mechanism more stable and allow it to operate more in line with its objectives. The reforms will make changes to member benefits less likely, in line with the spirit of the 25-year guarantee.</p> more like this
star this property answering member constituency Middlesbrough South and East Cleveland more like this
star this property answering member printed Mr Simon Clarke more like this
star this property question first answered
less than 2022-03-22T14:52:28.757Zmore like thismore than 2022-03-22T14:52:28.757Z
unstar this property answering member
4655
star this property label Biography information for Sir Simon Clarke more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this
1337935
star this property registered interest false more like this
star this property date less than 2021-06-17more like thismore than 2021-06-17
star this property answering body
Treasury more like this
star this property answering dept id 14 remove filter
star this property answering dept short name Treasury more like this
unstar this property answering dept sort name Treasury more like this
star this property hansard heading Debt Respite Scheme 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 Chancellor of the Exchequer, whether he has made an assessment of the potential merits of including universal credit advance payments in the Debt Respite Scheme (Breathing Space). more like this
star this property tabling member constituency Coventry South more like this
star this property tabling member printed
Zarah Sultana more like this
star this property uin 17855 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 2021-06-22more like thismore than 2021-06-22
unstar this property answer text <p>The breathing space scheme launched on 4 May 2021, and includes most personal debts and debts owed to Government, including Universal Credit overpayments. The Government considers that, for breathing space to be successful, it needs to include a wide range of debts.</p><p> </p><p>The Government recognises the importance of including all Universal Credit debts in breathing space, and is committed to including Universal Credit advances within the scheme as soon as possible.</p><p> </p><p>This will happen at a later date to ensure that the significant IT changes the Department for Work and Pensions needs to make do not compromise the safe delivery of Universal Credit, which is now supporting 6 million people. It has always been possible to defer repayments of Universal Credit Advances for 3 months in cases of hardship. In addition, from April 2021, the timeframe for the repayment of advances has been extended from 12 months to 24 months.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2021-06-22T11:21:47.407Zmore like thismore than 2021-06-22T11:21:47.407Z
unstar this property answering member
4051
star this property label Biography information for John Glen more like this
unstar this property tabling member
4786
unstar this property label Biography information for Zarah Sultana more like this