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99955

	human indexable
	published
	registered interest
	answer date	23/10/2014
	date	20/10/2014
	date tabled	20/10/2014
	ddp created	20/10/2014 23:11:55
	ddp modified	08/02/2015 02:56:43
	answering body	Department for Work and Pensions
	question status	Tabled
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Work Programme
	house id	1
	identifier	211191
	legislature	25259 pref label House of Commons
	parliament number	55
	question first answered	23/10/2014 12:41:37
	question text	To ask the Secretary of State for Work and Pensions, pursuant to the Answer of 15 October 2014 to Question 209722, how many work programme participants he expects to be surveyed in the evaluation he has commissioned; and what criteria he has set out for selecting those participants.
	session	2014/15
	session number	4
	tabling member constituency	East Ham
	tabling member printed	Stephen Timms
	title	House of Commons Tabled Parliamentary Question 2014/15 211191
	type	WrittenParliamentaryQuestion
	uin	211191
	version	1
	written parliamentary question type	NamedDay
	answer	answer is ministerial correction answer text <p /> <p>The department has commissioned a comprehensive evaluation of the Work Programme conducted by independent researchers which includes large scale participant surveys. In summer/autumn 2012 a national telephone survey that was representative of those joining the programme at that time was conducted with over 4,700 participants between six and nine months into their Work Programme journey; a follow-up survey of over 1,800 of the same participants was conducted in early 2014 when respondents had completed the two-year programme period.</p> question first answered 23/10/2014 12:41:37
	creator	163 label Biography information for Sir Stephen Timms
	publisher	25259 pref label House of Commons
	tabling member	163 label Biography information for Sir Stephen Timms

99751

	human indexable
	published
	registered interest
	answer date	22/10/2014
	date	17/10/2014
	date tabled	17/10/2014
	ddp created	17/10/2014 16:40:33
	ddp modified	08/02/2015 02:35:38
	answering body	Department for Work and Pensions
	question status	Tabled
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Industrial Health and Safety
	house id	1
	identifier	210988
	legislature	25259 pref label House of Commons
	parliament number	55
	question first answered	22/10/2014 16:56:02
	question text	To ask the Secretary of State for Work and Pensions, what steps his Department plans to take to respond to the European Commission's new Strategic Framework on Health and Safety at Work 2014-2020.
	session	2014/15
	session number	4
	tabling member constituency	East Ham
	tabling member printed	Stephen Timms
	title	House of Commons Tabled Parliamentary Question 2014/15 210988
	type	WrittenParliamentaryQuestion
	uin	210988
	version	1
	written parliamentary question type	NamedDay
	answer	answer is ministerial correction answer text <p /> <p>The government responded to the European Commission’s 2013 public consultation on a new policy framework for health and safety at work in the European Union. This emphasised the need for any new policy framework to have a focus on better regulation, supporting the single market and economic growth as well as sharing good practice between member states and supporting SMEs on risk management.</p><p> </p><p>The government was therefore pleased to see the commitment to simplify EU health and safety at work legislation in the new EU Strategic Framework, and is continuing to engage with the Commission to help realise this aim. The government is arguing for more proportionate, risk-based approaches to EU workplace health and safety regulation to help businesses by reducing administrative burdens while maintaining necessary protections for workers.</p> question first answered 22/10/2014 16:56:02
	creator	163 label Biography information for Sir Stephen Timms
	publisher	25259 pref label House of Commons
	tabling member	163 label Biography information for Sir Stephen Timms

99753

	human indexable
	published
	registered interest
	answer date	22/10/2014
	date	17/10/2014
	date tabled	17/10/2014
	ddp created	17/10/2014 16:40:33
	ddp modified	08/02/2015 02:35:57
	answering body	Department for Work and Pensions
	question status	Tabled
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Jobseeker's Allowance: Disqualification
	house id	1
	identifier	211001
	legislature	25259 pref label House of Commons
	parliament number	55
	question first answered	22/10/2014 14:48:47
	question text	To ask the Secretary of State for Work and Pensions, what proportion of the jobseeker's allowance claimant count has been sanctioned in each month from October 2012 to date.
	session	2014/15
	session number	4
	tabling member constituency	East Ham
	tabling member printed	Stephen Timms
	title	House of Commons Tabled Parliamentary Question 2014/15 211001
	type	WrittenParliamentaryQuestion
	uin	211001
	version	1
	written parliamentary question type	NamedDay
	answer	answer is ministerial correction answer text <p>Information on the number of Jobseeker’s Allowance (JSA) sanctions each month is published at:</p><p> </p><p><a href="https://stat-xplore.dwp.gov.uk/" target="_blank">https://stat-xplore.dwp.gov.uk/</a></p><p> </p><p> </p><p> </p><p>Guidance on how to extract the information required can be found at:</p><p> </p><p> </p><p> </p><p><a href="https://sw.stat-xplore.dwp.gov.uk/webapi/online-help/Stat-Xplore_User_Guide.htm" target="_blank">https://sw.stat-xplore.dwp.gov.uk/webapi/online-help/Stat-Xplore_User_Guide.htm</a></p><p> </p><p> </p><p> </p><p>Claimant count JSA monthly figures are published at:</p><p> </p><p> </p><p> </p><p><a href="https://www.nomisweb.co.uk/" target="_blank">https://www.nomisweb.co.uk</a></p><p> </p><p> </p><p> </p><p>This information will enable you to estimate the proportion sanctioned each month.</p><p> </p> question first answered 22/10/2014 14:48:47
	creator	163 label Biography information for Sir Stephen Timms
	publisher	25259 pref label House of Commons
	tabling member	163 label Biography information for Sir Stephen Timms

93873

	human indexable
	published
	registered interest
	answer date	20/10/2014
	date	16/10/2014
	date tabled	16/10/2014
	ddp created	16/10/2014 19:00:56
	ddp modified	08/02/2015 02:30:55
	answering body	Department for Work and Pensions
	question status	Tabled
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Telephone Services
	house id	1
	identifier	210901
	legislature	25259 pref label House of Commons
	parliament number	55
	question first answered	22/10/2014 14:36:30
	question text	To ask the Secretary of State for Work and Pensions, what his Department's policy is on using telephone lines for which there is a charge for the Department's customer service lines or helplines.
	session	2014/15
	session number	4
	tabling member constituency	Birmingham, Hall Green
	tabling member printed	Mr Roger Godsiff
	title	House of Commons Tabled Parliamentary Question 2014/15 210901
	type	WrittenParliamentaryQuestion
	uin	210901
	version	1
	written parliamentary question type	Ordinary
	answer	answer is ministerial correction answer text <p /> <p>The Department’s policy is that calls to claim benefit by telephone should be free so we use 0800 free phone numbers for these lines. For other enquiry helplines the Department has been introducing 0345 numbers but will retain 0845 prefixes; this will enable the customers to choose the most cost effective option dependant on their own call tariff. Any charges that apply to these calls are set by the customer’s telephone or mobile operator and vary depending call plan type and the time of day at which the call is made<em>.</em></p> question first answered 22/10/2014 14:36:30
	creator	304 label Biography information for Mr Roger Godsiff
	publisher	25259 pref label House of Commons
	tabling member	304 label Biography information for Mr Roger Godsiff

93471

	human indexable
	published
	registered interest
	answer date	17/10/2014
	date	15/10/2014
	date tabled	15/10/2014
	ddp created	15/10/2014 21:20:56
	ddp modified	08/02/2015 01:54:31
	answering body	Department for Work and Pensions
	question status	Tabled
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Children: Poverty
	house id	1
	identifier	210817
	legislature	25259 pref label House of Commons
	parliament number	55
	question first answered	22/10/2014 16:44:30
	question text	To ask the Secretary of State for Work and Pensions, what discussions he has had with the devolved administrations on tackling child poverty.
	session	2014/15
	session number	4
	tabling member constituency	South Antrim
	tabling member printed	Dr William McCrea
	title	House of Commons Tabled Parliamentary Question 2014/15 210817
	type	WrittenParliamentaryQuestion
	uin	210817
	version	3
	written parliamentary question type	Ordinary
	answer	answer is ministerial correction answer text <p /> <p>Tackling child poverty is a cross-government matter. Ministers in HM Treasury, the Department for Work and Pensions, and the Department for Education work together, in conjunction with other Government Ministers, towards the goal of ending child poverty.</p><p> </p><p>The Child Poverty Act 2010 places a duty on the government to consult with the devolved administrations when preparing a child poverty strategy. The Government has also established the Social Mobility and Child Poverty Commission, an independent advisory NDPB, to monitor the progress the Government and others are making towards improving social mobility and reducing child poverty in the United Kingdom. This includes describing the measures taken by the Scottish and Welsh Governments.</p><p> </p><p>The Secretary of State for Work and Pensions and the Minister of State for Schools recently consulted with the devolved administrations on two matters. The consultation on the Child Poverty Strategy 2014-17 (from 27 February to 22 May) and the consultation on Setting a Persistent Poverty Target (from 26 June to 14 August). Ministers carefully considered the views expressed by the devolved administrations, and all other respondents, when making their decisions on these.</p><p> </p><p>Additionally, UK Government officials met with officials from the devolved administrations in August to discuss approaches and evidence. Regular meetings are planned for the future.</p> question first answered 22/10/2014 16:44:30
	creator	655 label Biography information for Lord McCrea of Magherafelt and Cookstown
	publisher	25259 pref label House of Commons
	tabling member	655 label Biography information for Lord McCrea of Magherafelt and Cookstown

93675

	human indexable
	published
	registered interest
	answer date	29/10/2014
	date	15/10/2014
	date tabled	15/10/2014
	ddp created	15/10/2014 22:16:51
	ddp modified	06/02/2015 19:09:56
	answering body	Department for Work and Pensions
	question status	Tabled
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	Mesothelioma: Compensation
	house id	2
	identifier	HL2104
	legislature	25277 pref label House of Lords
	parliament number	55
	question first answered	22/10/2014 14:48:20
	question text	To ask Her Majesty’s Government how many claims for compensation have so far been generated under the terms of the Mesothelioma Act 2014; how that number compares with predicted numbers of claims; what, if any, underspend against budget has resulted; and whether they intend to allocate any underspend for research into finding cures for mesothelioma.
	session	2014/15
	session number	4
	tabling member printed	Lord Alton of Liverpool
	title	House of Lords Tabled Parliamentary Question 2014/15 HL2104
	type	WrittenParliamentaryQuestion
	uin	HL2104
	version	2
	written parliamentary question type	Ordinary
	answer	answer is ministerial correction answer text <p /> <p>The Scheme began taking applications in April 2014, and began making payments on 1 July 2014. As of 30 September 2014 the Scheme had received 173 applications. During the first year of operation we had forecasted around 900 applications to the Scheme.</p><p> </p><p>The DMPS is funded by a levy on the insurance industry. The levy is intended to cover the cost of the Scheme in any one year, and we are not expecting to generate any under spend. Any under spend would be returned to HM Treasury.</p><p> </p> question first answered 22/10/2014 14:48:20
	creator	738 label Biography information for Lord Alton of Liverpool
	publisher	25277 pref label House of Lords
	tabling member	738 label Biography information for Lord Alton of Liverpool

93700

	human indexable
	published
	registered interest
	answer date	29/10/2014
	date	15/10/2014
	date tabled	15/10/2014
	ddp created	15/10/2014 22:16:58
	ddp modified	06/02/2015 19:10:51
	answering body	Department for Work and Pensions
	question status	Tabled
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	hansard heading	National Insurance: Foreign Nationals
	house id	2
	identifier	HL2129
	legislature	25277 pref label House of Lords
	parliament number	55
	question first answered	22/10/2014 14:51:46
	question first ministerially corrected	06/11/2014 16:58:14
	question text	To ask Her Majesty’s Government how many foreign nationals have been given national insurance numbers in the last eight quarters; how many were given numbers in total in those two years; and what were the top 20 nationalities of those given national insurance numbers in the last two years.
	session	2014/15
	session number	4
	tabling member printed	Lord Laird
	title	House of Lords Tabled Parliamentary Question 2014/15 HL2129
	type	WrittenParliamentaryQuestion
	uin	HL2129
	version	1
	written parliamentary question type	Ordinary
	answer	answer is ministerial correction answer text <p>The information requested for the number of foreign nationals registered for national insurance numbers is published and available at:</p><p> </p><p> </p><p> </p><p><a href="https://stat-xplore.dwp.gov.uk/" target="_blank">https://stat-xplore.dwp.gov.uk</a></p><p> </p><p> </p><p> </p><p>Guidance on how to extract the information required can be found at:</p><p> </p><p><a href="https://sw.stat-xplore.dwp.gov.uk/webapi/online-help/Stat-Xplore_User_Guide.htm" target="_blank">https://sw.stat-xplore.dwp.gov.uk/webapi/online-help/Stat-Xplore_User_Guide.htm</a></p><p> </p><p><ins class="ministerial">The number National Insurance numbers registered to foreign nationals in the last 8 quarters and the total number registered in the two year period from July 2012 to June 2014 is shown in Table 1.</ins></p><p> </p><p><ins class="ministerial">The top 20 nationalities for those registered with a National Insurance number in the same two year period is in Table 2.</ins></p><p> </p><p><ins class="ministerial"><strong>Table 1:</strong> Number of NINo registrations to adult overseas nationals entering the UK, by quarter for the last two years.</ins></p><p> </p><table><tbody><tr><td><p><ins class="ministerial">Jul-12 to Sep-12</ins></p></td><td><p><ins class="ministerial">123,590</ins></p></td></tr><tr><td><p><ins class="ministerial">Oct-12 to Dec-12</ins></p></td><td><p><ins class="ministerial">139,390</ins></p></td></tr><tr><td><p><ins class="ministerial">Jan-13 to Mar-13</ins></p></td><td><p><ins class="ministerial">178,372</ins></p></td></tr><tr><td><p><ins class="ministerial">Apr-13 to Jun-13</ins></p></td><td><p><ins class="ministerial">131,525</ins></p></td></tr><tr><td><p><ins class="ministerial">Jul-13 to Sep-13</ins></p></td><td><p><ins class="ministerial">148,389</ins></p></td></tr><tr><td><p><ins class="ministerial">Oct-13 to Dec-13</ins></p></td><td><p><ins class="ministerial">158,953</ins></p></td></tr><tr><td><p><ins class="ministerial">Jan-14 to Mar-14</ins></p></td><td><p><ins class="ministerial">164,432</ins></p></td></tr><tr><td><p><ins class="ministerial">Apr-14 to Jun-14</ins></p></td><td><p><ins class="ministerial">93,945</ins></p></td></tr><tr><td><p><ins class="ministerial"><strong>Total</strong></ins></p></td><td><p><ins class="ministerial"><strong>1,138,593</strong></ins></p></td></tr></tbody></table><p> </p><p> </p><p><ins class="ministerial"><strong>Table 2:</strong> Total number of NINo registrations to adult overseas nationals entering the UK for the top 20 nationalities in the last 2 years.</ins></p><p> </p><table><tbody><tr><td><p><ins class="ministerial">Poland (Joined EU in 2004)</ins></p></td><td><p><ins class="ministerial">188,046</ins></p></td></tr><tr><td><p><ins class="ministerial">Spain</ins></p></td><td><p><ins class="ministerial">88,388</ins></p></td></tr><tr><td><p><ins class="ministerial">Romania (Joined EU in 2007)</ins></p></td><td><p><ins class="ministerial">81,122</ins></p></td></tr><tr><td><p><ins class="ministerial">Italy</ins></p></td><td><p><ins class="ministerial">74,374</ins></p></td></tr><tr><td><p><ins class="ministerial">India</ins></p></td><td><p><ins class="ministerial">56,694</ins></p></td></tr><tr><td><p><ins class="ministerial">Portugal</ins></p></td><td><p><ins class="ministerial">50,257</ins></p></td></tr><tr><td><p><ins class="ministerial">Rep of Lithuania (Joined EU in 2004)</ins></p></td><td><p><ins class="ministerial">45,950</ins></p></td></tr><tr><td><p><ins class="ministerial">Hungary (Joined EU in 2004)</ins></p></td><td><p><ins class="ministerial">45,450</ins></p></td></tr><tr><td><p><ins class="ministerial">France</ins></p></td><td><p><ins class="ministerial">41,920</ins></p></td></tr><tr><td><p><ins class="ministerial">Bulgaria (Joined EU in 2007)</ins></p></td><td><p><ins class="ministerial">31,580</ins></p></td></tr><tr><td><p><ins class="ministerial">Rep of Ireland</ins></p></td><td><p><ins class="ministerial">30,604</ins></p></td></tr><tr><td><p><ins class="ministerial">Pakistan</ins></p></td><td><p><ins class="ministerial">25,979</ins></p></td></tr><tr><td><p><ins class="ministerial">Rep of Latvia (Joined EU in 2004)</ins></p></td><td><p><ins class="ministerial">22,845</ins></p></td></tr><tr><td><p><ins class="ministerial">Slovak Rep (Joined EU in 2004)</ins></p></td><td><p><ins class="ministerial">22,361</ins></p></td></tr><tr><td><p><ins class="ministerial">China Peoples Rep</ins></p></td><td><p><ins class="ministerial">21,910</ins></p></td></tr><tr><td><p><ins class="ministerial">Australia</ins></p></td><td><p><ins class="ministerial">20,788</ins></p></td></tr><tr><td><p><ins class="ministerial">Germany</ins></p></td><td><p><ins class="ministerial">20,423</ins></p></td></tr><tr><td><p><ins class="ministerial">Nigeria</ins></p></td><td><p><ins class="ministerial">19,965</ins></p></td></tr><tr><td><p><ins class="ministerial">Greece</ins></p></td><td><p><ins class="ministerial">17,260</ins></p></td></tr><tr><td><p><ins class="ministerial">USA</ins></p></td><td><p><ins class="ministerial">16,767</ins></p></td></tr></tbody></table><p> </p><p><ins class="ministerial">Source: Stat-Xplore, Department for Work and Pensions</ins></p><p> </p><p><ins class="ministerial">Notes:</ins></p><p><ins class="ministerial">1. Statistical disclosure control has been applied to this table to avoid the release of confidential data.</ins></p><p><ins class="ministerial">2. A change to the process of recording NINos during the quarter April-June 2014, means that the volume of NINo registrations recorded are lower in this quarter than would otherwise be the case (estimated to be around 15% - 25% lower in the quarter April - June 2014 and 2% - 5% lower for the year to June 2014). Therefore, comparisons of NINo registrations over time for the latest periods (quarterly and annually) should be viewed with caution. The process issues impact all nationalities i.e. the impact is not skewed to migrants from specific countries.</ins></p><p><ins class="ministerial">3. Registration date is derived from the date at which a NINo is maintained on the National Insurance Recording and Pay as you Earn System (NPS).</ins></p><p><ins class="ministerial">4. Data is available up to June 2014, which is the latest information available.</ins></p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p> question first answered 22/10/2014 14:51:46
	creator	2479 label Biography information for Lord Laird
	publisher	25277 pref label House of Lords
	tabling member	2479 label Biography information for Lord Laird

99710

	human indexable
	published
	registered interest
	answer date	22/10/2014
	date	17/10/2014
	date tabled	17/10/2014
	ddp created	17/10/2014 16:40:14
	ddp modified	08/02/2015 02:31:24
	answering body	HM Treasury
	question status	Tabled
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Loans
	house id	1
	identifier	210986
	legislature	25259 pref label House of Commons
	parliament number	55
	question first answered	22/10/2014 15:26:40
	question text	To ask Mr Chancellor of the Exchequer, what recent assessment he has made of the potential merits of introducing real-time credit checking for lenders.
	session	2014/15
	session number	4
	tabling member constituency	North Swindon
	tabling member printed	Justin Tomlinson
	title	House of Commons Tabled Parliamentary Question 2014/15 210986
	type	WrittenParliamentaryQuestion
	uin	210986
	version	1
	written parliamentary question type	NamedDay
	answer	answer is ministerial correction answer text <p>Credit data sharing is key to allowing lenders to make proper affordability assessments and promoting a competitive market. Having access to comprehensive data about their customers’ outstanding commitments may help lenders avoid making loans to customers who cannot afford to repay them.</p><p> </p><p> </p><p> </p><p>Since 1 April 2014, credit reference agencies (CRAs) are regulated for their consumer credit activities by the Financial Conduct Authority (FCA).</p><p> </p><p> </p><p> </p><p>The Government has made clear to payday lenders and CRAs that they must identify and remove any blockages involving real-time data sharing between payday lenders as a matter of urgency. The FCA has committed to prioritising improvements in this area, and has said it expects to see over 90% of payday firms participating in real-time data sharing and over 90% of loans being reported in real time by this November.</p><p> </p> question first answered 22/10/2014 15:26:40
	creator	4105 label Biography information for Justin Tomlinson
	publisher	25259 pref label House of Commons
	tabling member	4105 label Biography information for Justin Tomlinson

99711

	human indexable
	published
	registered interest
	answer date	22/10/2014
	date	17/10/2014
	date tabled	17/10/2014
	ddp created	17/10/2014 16:40:14
	ddp modified	08/02/2015 02:31:29
	answering body	HM Treasury
	question status	Tabled
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Revenue and Customs
	house id	1
	identifier	210973
	legislature	25259 pref label House of Commons
	parliament number	55
	question first answered	22/10/2014 15:53:36
	question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 26 September 2014 to Questions 208670, 208671, 208672 and 208673, what assessment he has made of HM Revenue and Customs' performance against each such operational target in 2013-14.
	session	2014/15
	session number	4
	tabling member constituency	Newcastle upon Tyne North
	tabling member printed	Catherine McKinnell
	title	House of Commons Tabled Parliamentary Question 2014/15 210973
	type	WrittenParliamentaryQuestion
	uin	210973
	version	1
	written parliamentary question type	NamedDay
	answer	answer is ministerial correction answer text <p>The National Audit Office (NAO) works on behalf of Parliament and the taxpayer to hold government to account for the use of public money and to help public services improve performance.</p><p> </p><p> </p><p> </p><p>The latest information on HMRC’s performance against operational targets was published in June 2013 in the NAO Report ‘Progress in tackling tobacco smuggling’</p><p> </p><p>http://www.nao.org.uk/report/progress-in-tackling-tobacco-smuggling/</p><p> </p><p> </p> question first answered 22/10/2014 15:53:36
	creator	4125 label Biography information for Catherine McKinnell
	publisher	25259 pref label House of Commons
	tabling member	4125 label Biography information for Catherine McKinnell

93753

	human indexable
	published
	registered interest
	answer date	20/10/2014
	date	16/10/2014
	date tabled	16/10/2014
	ddp created	16/10/2014 19:00:22
	ddp modified	08/02/2015 02:18:04
	answering body	HM Treasury
	question status	Tabled
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Business: Loans
	house id	1
	identifier	210909
	legislature	25259 pref label House of Commons
	parliament number	55
	question first answered	22/10/2014 15:31:52
	question text	To ask Mr Chancellor of the Exchequer, what assistance the Government provides to enable a person to remain in a home against which a bank loan for a business has been secured when they have defaulted on that loan.
	session	2014/15
	session number	4
	tabling member constituency	Hemsworth
	tabling member printed	Jon Trickett
	title	House of Commons Tabled Parliamentary Question 2014/15 210909
	type	WrittenParliamentaryQuestion
	uin	210909
	version	1
	written parliamentary question type	Ordinary
	answer	answer is ministerial correction answer text <p>UK borrowers taking out a business loan secured on their home have a number of protections available to them.</p><p> </p><p> </p><p> </p><p>The Financial Conduct Authority (FCA) has responsibility for the regulation of mortgages secured by a first charge against a borrower’s home, regardless of the purpose of that loan. These regulations include consumer protections to ensure that repossession is only used as a last resort.</p><p> </p><p> </p><p> </p><p>Where borrowers are taking out a second charge loan of £25,000 or less for a business purpose they are also protected under the FCA’s regulatory regime for consumer credit. The Government is currently consulting on the transfer of the regulation of second charge mortgages to the same regime as first charge mortgages.</p><p> </p><p> </p><p> </p><p>In addition, all borrowers are provided protection in the Courts, through the use of the Mortgage Pre-Action Protocol, which requires a Court to ensure that the lender has taken all reasonable steps to resolve the borrower’s payment difficulties before granting a possession order.</p><p> </p> question first answered 22/10/2014 15:31:52
	creator	410 label Biography information for Jon Trickett
	publisher	25259 pref label House of Commons
	tabling member	410 label Biography information for Jon Trickett