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418866

	registered interest
	date	15/09/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Personal Savings: Pensioners
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what financial advice his Department provides to pensioners on investment of savings.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	10280
	answer	answer is ministerial correction date of answer 23/09/2015 answer text <p>The Government has recently set up Pension Wise to provide free, impartial guidance for those who are able to use the new pension flexibilities, to help them make confident and informed decisions on how they use their defined contribution pension savings. Pension Wise offers guidance online, over the phone, and face to face.</p><p> </p><p> </p><p> </p><p>HM Treasury has also announced a joint review with the Financial Conduct Authority (FCA) of the advice landscape, the Financial Advice Market Review (FAMR). This will be looking at ensuring more people have access to appropriate and affordable advice and guidance.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 23/09/2015 12:42:08 answering member 1529 label Biography information for Mr David Gauke
	tabling member	4131 label Biography information for Jim Shannon

420601

	registered interest
	date	12/10/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what estimate he has made of the number of buy-to-let mortgages authorised in each of the last 10 years.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	11350
	answer	answer is ministerial correction date of answer 20/10/2015 answer text <p>There have been 2 million buy-to-let mortgages taken out over the last 10 years. These figures are collected by the Council of Mortgage Lenders, on a quarterly basis and are publically available.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 20/10/2015 15:31:40 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4131 label Biography information for Jim Shannon

420602

	registered interest
	date	12/10/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Married People: Tax Allowances
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many married couples with a single earner in each Office for National Statistics age group have received marriage allowance in (a) England, (b) Scotland, (c) Wales and (d) Northern Ireland.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	11351
	answer	answer is ministerial correction date of answer 20/10/2015 answer text <p>HM Revenue and Customs does not hold this data centrally.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 11352 question first answered 20/10/2015 16:46:14 answering member 1529 label Biography information for Mr David Gauke
	tabling member	4131 label Biography information for Jim Shannon

420603

	registered interest
	date	12/10/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Married People: Tax Allowances
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many married couples with a single earner in each Office for National Statistics age group have claimed marriage allowance in (a) England, (b) Scotland, (c) Wales and (d) Northern Ireland.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	11352
	answer	answer is ministerial correction date of answer 20/10/2015 answer text <p>HM Revenue and Customs does not hold this data centrally.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 11351 question first answered 20/10/2015 16:46:14 answering member 1529 label Biography information for Mr David Gauke
	tabling member	4131 label Biography information for Jim Shannon

424235

	registered interest
	date	27/10/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Bank Notes: Plastics
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what recent representations he has received on the use of plastic bank notes; and if he will make a statement.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	13548
	answer	answer is ministerial correction date of answer 02/11/2015 answer text <p>The Bank of England is the issuing authority for banknotes. Following research and a public consultation in 2013, the Bank decided that new polymer £5 and £10 banknotes would come into circulation at the end of 2016 and 2017 respectively. In September 2015, the Bank announced that the next £20 note will also be printed on polymer after considering further developments in banknote technology.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 02/11/2015 16:05:02 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4131 label Biography information for Jim Shannon

424236

	registered interest
	date	27/10/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Debts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what steps he is taking to reduce average household debt.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	13549
	answer	answer is ministerial correction date of answer 04/11/2015 answer text <p>Household debt as a proportion of income has fallen to 144 per cent in Q2 2015, from a peak of 168 per cent in Q1 2008. To avoid repeating the mistakes of the past we have created the independent Financial Policy Committee (FPC) within the Bank of England, to ensure emerging risks and vulnerabilities across the financial system as a whole are identified, monitored and effectively addressed.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 04/11/2015 12:49:38 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4131 label Biography information for Jim Shannon

425613

	registered interest
	date	03/11/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Taxation: Self-assessment
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many tax returns have been filed after the deadline in each of the last five years.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	14642
	answer	answer is ministerial correction date of answer 11/11/2015 answer text <p>This information is not held by HM Revenue and Customs.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 11/11/2015 11:43:17 answering member 1529 label Biography information for Mr David Gauke
	tabling member	4131 label Biography information for Jim Shannon

428380

	registered interest
	date	16/11/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Debts: Young People
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what steps the Government is taking to reduce the indebtedness of people aged 18 to 25.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	16529
	answer	answer is ministerial correction date of answer 23/11/2015 answer text <p>The government is committed to ensuring that young people can access the support they need in order to make informed financial decisions and avoid problem debt.</p><br /><p>To ensure that young people leave school with an understanding of personal finance, financial literacy was made part of the secondary school National Curriculum in September 2014; and the mathematics curriculum has also been changed to include topics on financial decisions. This means that for the first time, young people now learn about the importance of budgeting, sound management of money, credit and debt, as well as understanding different financial services and products.</p><br /><p>The government set up the Money Advice Service (MAS) in 2010 to enhance consumers’ understanding and knowledge of financial matters. MAS provides a single point of debt advice for consumers, including people aged 18-25, and allows those facing problems with debt to obtain free and impartial money advice. MAS also recently launched their nationwide Financial Capability Strategy, which will specifically consider how the needs of young people should inform provision going forward.</p><br /><p>The government is currently consulting on how the provision of public financial guidance could be made more effective for consumers.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 23/11/2015 11:43:20 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4131 label Biography information for Jim Shannon

431568

	registered interest
	date	23/11/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Insurance: Fraud
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what steps he is taking to ensure that people aged over 50 are protected from (a) household and (b) vehicle insurance scams.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	17228
	answer	answer is ministerial correction date of answer 02/12/2015 answer text <p>The Government takes insurance fraud very seriously and has taken significant action in this area to protect consumers.</p><br /><p>The Government set up the Insurance Fraud Taskforce in January 2015 to investigate the causes of fraudulent behaviour and recommend solutions to reduce the level of insurance fraud, including household and vehicle insurance scams, in order to ultimately lower costs and protect the interests of honest consumers. Its interim report was published in March 2015 and a final report will be published shortly.</p><br /> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 02/12/2015 17:31:15 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4131 label Biography information for Jim Shannon

431599

	registered interest
	date	23/11/2015
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Credit Cards: Debts
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will take steps to reduce the level of charges imposed on credit card debt; and if he will make a statement.
	tabling member constituency	Strangford
	tabling member printed	Jim Shannon
	uin	17230
	answer	answer is ministerial correction date of answer 02/12/2015 answer text <p>he Government has fundamentally reformed regulation of the consumer credit market, which includes the credit card sector. Consumer credit regulation transferred from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) on 1 April 2014.</p><br /><p>The FCA is currently undertaking a thorough review of the credit card market through its ‘credit card market study’. The market study is investigating three areas, one of which is the extent of unaffordable credit card debt. On the 3rd November 2015 the FCA published its interim report which found that the market was working reasonably well for most customers. However, the FCA expressed concern about the scale of potentially problematic debt in this sector, and the incentives for firms to manage this.</p><br /><p>The interim report also included the FCA’s early thinking on potential remedies which include measures to give consumers more control over their credit limits, measures to encourage customers to pay off debt quicker when they can afford to, and proposals that firms do more to identify earlier those consumers who may be struggling to repay and take action to help them manage their repayments. The FCA is currently asking for feedback on the findings and potential remedies.</p><br /><p>The Government is looking forward to the full report in the spring, and would encourage interested parties to give their views to the FCA to assist it in addressing the issues it has identified.</p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 02/12/2015 17:26:57 answering member 4107 label Biography information for Dame Harriett Baldwin
	tabling member	4131 label Biography information for Jim Shannon