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1400557

	registered interest
	date	06/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Tuna: Import Duties
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, further to the Written Answer by Lord Agnew of Oulton on 21 December 2021 (HL4995), what was the total amount of import tariffs collected on tuna imported from the Maldives in (1) financial year 2020–21, and (2) each of the preceding four years.
	tabling member printed	Lord Borwick
	uin	HL5162
	answer	answer is ministerial correction date of answer 20/01/2022 answer text <p>HMRC does not hold the information requested. Traders pay customs duty and import VAT based on calculated liabilities for goods, either immediately or on a monthly basis via duty deferment accounts. The subsequent revenue collected is not recorded on a product or sector basis, and thus no breakdown by product or country of origin is held.</p> answering member printed Lord Agnew of Oulton question first answered 20/01/2022 11:51:04 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	4281 label Biography information for Lord Borwick

1400575

	registered interest
	date	06/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Debts: Households
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the level of household debt in England.
	tabling member printed	Baroness Kennedy of Cradley
	uin	HL5180
	answer	answer is ministerial correction date of answer 20/01/2022 answer text <p>The Government regularly monitors personal debt levels by working closely with the Money and Pensions Service (MaPS) and the Financial Conduct Authority (FCA). The Government also engages regularly with a range of stakeholders in the debt advice sector on their research and findings.</p><p> </p><p>The FCA conducts a biennial Financial Lives Survey which provides a comprehensive insight into the finances of the UK population. The latest findings from the survey were published in February 2021, which also analysed the impact of the pandemic on people’s finances. The results showed that between March and October 2020, the number of people with low financial resilience increased by 3.5 million, from 10.7 million to 14.2 million.</p><p> </p><p>MaPS monitors financial difficulty through their research, in particular the Debt Need Survey. MaPS will publish the results of their 2021 Debt Need Survey early this calendar year, which will include a regional breakdown of their new Need for Debt Advice measure.</p> answering member printed Lord Agnew of Oulton question first answered 20/01/2022 11:52:59 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	4303 label Biography information for Baroness Kennedy of Cradley

1400582

	registered interest
	date	06/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Inland Border Facilities: Dover
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government why they used the mechanism of a Special Development Order to grant temporary planning permission for the Dover Inland Border Facility; why this development has been considered to be a response to a national emergency; and why the responses to previous consultations are not being taken into account.
	tabling member printed	Baroness Randerson
	uin	HL5187
	answer	answer is ministerial correction date of answer 20/01/2022 answer text <p>Special Development Orders (SDOs) are a long-established part of the planning system, designed for handling planning proposals of national significance. The SDO route has therefore been chosen because it allows permission to be granted in a timely manner whilst also providing effective mechanisms to ensure development is appropriate.</p><p> </p><p>The proposals for a Dover Inland Border Facility have been subject to two rounds of public engagement as well as ongoing informal engagement with local stakeholders. Comments on the previous proposals have been considered and have informed the current proposals. All comments, including those previously received, will be included in any formal submission under the SDO.</p> answering member printed Lord Agnew of Oulton question first answered 20/01/2022 11:50:44 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	4230 label Biography information for Baroness Randerson

1400583

	registered interest
	date	06/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Inland Border Facilities: Dover
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what the findings were of the Environmental Impact Assessment undertaken as part of the Special Development Order establishing the Dover Inland Border Facility.
	tabling member printed	Baroness Randerson
	uin	HL5188
	answer	answer is ministerial correction date of answer 20/01/2022 answer text <p>In accordance with the Special Development Order (SDO) Regulations, an Analysis of the Likely Environmental Effects of the Development Report and a Habitat Regulations Assessment Screening Report have been undertaken for the Dover Inland Border Facility (IBF) scheme. The reports have concluded that there are no significant effects on the environment from the proposals.</p><p> </p><p>The inclusion of initiatives incorporated into the site masterplan for the Dover IBF will be delivered through the retention and protection of the key ecological features and further enhancements. In conjunction with these initiatives, the site has been designed to minimise carbon emissions and a carbon assessment will be submitted as part of the SDO.</p> answering member printed Lord Agnew of Oulton question first answered 20/01/2022 11:51:28 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	4230 label Biography information for Baroness Randerson

1400584

	registered interest
	date	06/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Inland Border Facilities: Dover
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what green initiatives are being undertaken as part of the Dover Inland Border Facility; and how the initiatives will enable Dover District Council to reach its goal of becoming carbon neutral.
	tabling member printed	Baroness Randerson
	uin	HL5189
	answer	answer is ministerial correction date of answer 20/01/2022 answer text <p>HMRC’s teams are developing key features as part of the Dover Inland Border Facility (IBF) development to ensure their wider goal of reducing carbon impacts. These include reducing the environmental impact, enhancing the socio-economic standing of the areas and surrounding sites, and working to achieve a Building Research Establishment's Environmental Assessment Method – ‘Very Good’ rating.</p><p> </p><p>The inclusion of initiatives incorporated into the site masterplan for the Dover IBF will be delivered through the retention and protection of key ecological features. This includes the formation of a landscape buffer between the operational areas of the proposed development and the local residential area. The colour scheme of the proposed buildings is being designed in accordance with the guidance published by the Kent Downs Area of Outstanding Natural Beauty and the buildings themselves are adaptable for re-use elsewhere if required.</p><p> </p><p>External lighting on the site has been designed to minimise any potential effects in accordance with the appropriate British Standards. In conjunction with these initiatives, the site has been designed to minimise carbon emissions and will include an engine off policy when vehicles are parked. Electric hook up provision will be provided on site to allow goods vehicles with refrigeration units to be powered whilst parked. Electric vehicle charging will also be provided on site. The scheme has been designed to encourage methods of sustainable travel for site staff, including a cycle lane and promoting public transport over car travel.</p> answering member printed Lord Agnew of Oulton question first answered 20/01/2022 11:52:32 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	4230 label Biography information for Baroness Randerson

1400598

	registered interest
	date	06/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Universal Credit
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans they have, if any, to increase Universal Credit payments in the event that energy bills increase.
	tabling member printed	Lord Taylor of Warwick
	uin	HL5203
	answer	answer is ministerial correction date of answer 20/01/2022 answer text <p>The Government recognises the recent increase in wholesale global gas prices will be a cause of concern for consumers, businesses, and energy suppliers across the UK.</p><p> </p><p>There is a wide range of Government support in place to support consumers with their energy costs. The Energy Price Cap has been shielding millions of consumers from the volatility in the wholesale markets, and the Government is supporting low income and fuel poor households with their energy bills in a number of ways, the total value of this support being £2.5 billion a year including:</p><p>• The Warm Home Discount, which provides eligible households with a £140 discount.</p><p>• Winter Fuel Payments and Cold Weather Payments, which help ensure those most vulnerable are better able to heat their homes over the colder months.</p><p>There is also support available this winter through the £500m Household Support Fund, which helps those in greatest need with the cost of essentials over the coming months.</p><p> </p><p>The Government has also taken decisive action to support low-income working households on Universal Credit by cutting the taper rate from 63p to 55p and increasing work allowances by £500 a year. These changes are effectively a tax cut for low paid households on Universal Credit worth £2.2 billion in 2022-23 and mean that 1.9 million households will keep on average around an extra £1,000 on an annual basis.</p><p> </p><p>In the long-term, the best way to reduce energy bills for households is to invest in energy efficiency. The Government has allocated over £500 million to Local Authorities this year for the Social Housing Decarbonisation Fund and the Sustainable Warmth programmes. These schemes will help reduce low-income households’ energy use through efficiency improvements, which are estimated to save participants an average of £350-450 per year on their energy bills. At the Spending Review, an additional £1.8bn was confirmed to accelerate these programmes over the next three years.</p> answering member printed Lord Agnew of Oulton question first answered 20/01/2022 13:07:02 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	1796 label Biography information for Lord Taylor of Warwick

1400140

	registered interest
	date	05/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: Misrepresentation
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what assessment they have made of the availability of independent information resources for consumers to check that representative annual percentage rates (APRs) are fairly and accurately stated; and what action the Financial Conduct Authority advises customers to take where they are concerned they have been mis-sold under a representative APR that was not fairly stated.
	tabling member printed	Lord McNicol of West Kilbride
	uin	HL5139
	answer	answer is ministerial correction date of answer 18/01/2022 answer text <p>Firms are required by FCA rules to include a representative APR in certain circumstances. The FCA’s handbook provides further rules and guidance on when a representative APR must be shown, how it should be denoted and the level of prominence it must be given.</p><p> </p><p>If an advertisement includes an interest rate or any amount relating to the cost of credit, it must also include a representative example. This must contain certain standard information including a representative APR. The example must be clear and concise and must be no less prominent than the information that triggered the inclusion of the example.</p><p> </p><p>If a customer is concerned that they have been mis-sold a credit agreement, the customer can make a formal complaint to the firm in question in the first instance. If they feel that their complaint has not been dealt with satisfactorily, they are able to refer the matter to the Financial Ombudsman Service (FOS) – an independent body set up to provide arbitration in such cases.</p> answering member printed Lord Agnew of Oulton question first answered 18/01/2022 17:29:54 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	4702 label Biography information for Lord McNicol of West Kilbride

1400141

	registered interest
	date	05/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: Misrepresentation
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, in each of the last six years, (1) how many times the Financial Conduct Authority (FCA) has asked a firm to outline how it calculates its annual percentage rates (APRs) except at the point of granting of authorisation; (2) where the FCA has discovered representative APR breaches, how many times it has required changes to a firm’s (a) website, and (b) product literature; and (3) how many firms have been referred to the enforcement division for resolution.
	tabling member printed	Lord McNicol of West Kilbride
	uin	HL5140
	answer	answer is ministerial correction date of answer 18/01/2022 answer text <p>This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord Agnew of Oulton grouped question UIN HL5141 HL5142 question first answered 18/01/2022 17:25:18 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	4702 label Biography information for Lord McNicol of West Kilbride

1400142

	registered interest
	date	05/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: Misrepresentation
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government, in each of the last six years, how many Skilled Persons Reports the Financial Conduct Authority has commissioned where the issue of representative annual percentage rates (APRs), including the formulation or deployment of representative APR in the market, has been the “matter concerned”.
	tabling member printed	Lord McNicol of West Kilbride
	uin	HL5141
	answer	answer is ministerial correction date of answer 18/01/2022 answer text <p>This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord Agnew of Oulton grouped question UIN HL5140 HL5142 question first answered 18/01/2022 17:25:18 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	4702 label Biography information for Lord McNicol of West Kilbride

1400143

	registered interest
	date	05/01/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: Misrepresentation
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government why the Financial Conduct Authority (FCA) has decided as part of its supervision strategy to make no independent periodic checks on the compliance of FCA regulations by authorised firms, in particular the accuracy of key consumer protection information such as representative annual percentage rates.
	tabling member printed	Lord McNicol of West Kilbride
	uin	HL5142
	answer	answer is ministerial correction date of answer 18/01/2022 answer text <p>This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord Agnew of Oulton grouped question UIN HL5140 HL5141 question first answered 18/01/2022 17:25:18 answering member 4689 label Biography information for Lord Agnew of Oulton
	tabling member	4702 label Biography information for Lord McNicol of West Kilbride