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45377

	registered interest
	date	26/03/2014
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, how many people received face to face guidance from the Pension Advisory Service in each of the last five years.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	193944
	answer	answer is ministerial correction date of answer 01/04/2014 answer text <p /> <p /> <p>The Pensions Advisory Service provides information and guidance over multiple distribution channels including by telephone, web chat, online and written enquiries and face to face via outreach activity. The outreach activity includes shows, forums and similar events. All guidance is tailored to the individuals' personal circumstances.</p><p> </p><p>The data for the last five years are set out in the table below:</p><p> </p><table><tbody><tr><td><p>Year</p></td><td><p>2009/2010</p></td><td><p>2010/2011</p></td><td><p>2011/2012</p></td><td><p>2012/2013</p></td><td><p>2013/2014</p></td></tr><tr><td><p>Helpline customers</p><p>Includes calls, online enquiries, webchats and 1<sup>st</sup> party complaints</p></td><td><p>99,663</p></td><td><p>87,712</p></td><td><p>93,505</p></td><td><p>84,228</p></td><td><p> </p><p> </p><p> </p><p> </p><p>76,348 (as at 28th February)</p><p> </p><p> </p></td></tr><tr><td><p>Outreach work</p></td><td><p>6,457 people spoken to at TPAS events/presentations</p></td><td><p>7,577</p></td><td><p>3,786</p></td><td><p>1,091</p></td><td><p>1,400 estimate to date</p></td></tr></tbody></table><p> </p><p> </p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 01/04/2014 12:00:00 answering member 220 label Biography information for Steve Webb
	tabling member	3949 label Biography information for Gregg McClymont

45379

	registered interest
	date	26/03/2014
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, what assessment he has made of the effect of the planned changes to pensions on the investment strategy of the National Employment Savings Trust.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	193950
	answer	answer is ministerial correction date of answer 01/04/2014 answer text <p /> <p /> <p /> <p /> <p>The investment strategy for the National Employment Savings Trust (NEST) is the responsibility of the NEST Trustees who will consider, if in the best interests of their members, there needs to be any change in NEST's investment approach.</p><p> </p><p> </p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 01/04/2014 12:00:00 answering member 220 label Biography information for Steve Webb
	tabling member	3949 label Biography information for Gregg McClymont

45386

	registered interest
	date	26/03/2014
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, what assessment he has made of the effect of the planned changes to pensions on opt-out rates of auto enrolment.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	193948
	answer	answer is ministerial correction date of answer 01/04/2014 answer text <p /> <p /> <p>The Budget announced that from April 2015, the tax rules for how people access their defined contribution pension savings will be simplified to allow individuals aged 55 or over to withdraw their savings however they wish, subject to their marginal rate of income tax.</p><p> </p><p>Allowing individuals to exercise greater choice over how they access their retirement savings may mean that some people who would have previously chosen to opt out may no longer do so. This is more likely to have an effect on the choices of older workers.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 01/04/2014 12:00:00 answering member 220 label Biography information for Steve Webb
	tabling member	3949 label Biography information for Gregg McClymont

45402

	registered interest
	date	26/03/2014
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, what assessment he has made of the effect of the planned changes to pensions on retirement incomes from private and workplace pensions.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	193939
	answer	answer is ministerial correction date of answer 02/04/2014 answer text <p /> <p /> <p>The government believes people should be trusted to make their own choices about how to use their savings to fund their retirement. These measures fundamentally change the way that people can access their retirement savings, and therefore people are free to vary the mix of income and capital they hold in retirement.</p><p> </p><p>Alongside these changes, the government is taking measures to ensure everyone approaching retirement is aware of the choices they have. Pension providers and schemes will be required, by April 2015, to offer all individuals retiring with a defined contribution pension pot free and impartial face-to-face guidance on their retirement choices.</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 02/04/2014 12:00:00 answering member 220 label Biography information for Steve Webb
	tabling member	3949 label Biography information for Gregg McClymont

46192

	registered interest
	date	01/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many people have been issued demand notices for unpaid tax in each of the last five years.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	194790
	answer	answer is ministerial correction date of answer 09/04/2014 answer text <p>HMRC does not hold data on the total number of letters issued demanding payment of an established and overdue tax debt over the last five years.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 09/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3949 label Biography information for Gregg McClymont

46201

	registered interest
	date	01/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what plans he has to amend rules on the deliberate deprivation of capital used in the means test for social care funding as a consequence of the planned changes to pensions from 2015.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	194792
	answer	answer is ministerial correction date of answer 08/04/2014 answer text <p>This measure fundamentally changes the way that people can access their retirement savings, and so depending on the decisions they make, people may increase or decrease their chances of being eligible for means tested services at some point in their retirement. We will ensure that the relevant guidance, including where necessary the guidance on deliberate deprivation of capital, is updated before the new flexibilities are implemented in April 2015.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 08/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3949 label Biography information for Gregg McClymont

46202

	registered interest
	date	01/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many people have been issued demand notices for unpaid tax since the introduction of the £50,000 maximum tax relief on pensions contributions in April 2011.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	194791
	answer	answer is ministerial correction date of answer 08/04/2014 answer text <p>HMRC does not hold data on the total number of letters issued demanding payment of an established and overdue tax debt since April 2011. Each taxpayer with an established and overdue debt may receive several letters requesting payment.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 08/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3949 label Biography information for Gregg McClymont

46381

	registered interest
	date	01/04/2014
	answering body	Department for Work and Pensions
	answering dept id	29
	answering dept short name	Work and Pensions
	answering dept sort name	Work and Pensions
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Work and Pensions, what steps he plans to take to prevent private sector companies providing incentives for their employees to switch from defined benefit to defined contribution pension arrangements.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	194801
	answer	answer is ministerial correction date of answer 07/04/2014 answer text <p /> <p /> <p>We already have powers in place to legislate to ban cash incentive transfers. The incentive exercises code of good practice was created in 2012, and set out seven key principles that pension providers and their advisers must adhere to if they wish to offer their members incentives, including ensuring that members are given sufficient information to enable them to make an informed decision.</p><p> </p><p>A large number of providers and independent financial advisers have signed up to the code, delivering a prompt solution to address this issue. The Government would encourage all providers to comply with the code.</p><p> </p><p>Following the Budget announcement HM Treasury are currently running a consultation, “Freedom of Choice in Pensions” where it is considering whether people with a defined benefit pension should be allowed to transfer their accrued benefits into a defined contribution scheme. The outcome of this consultation will inform our thinking on what additional action, if any, the Government should take to restrict or ban pension providers from offering incentives</p> answering member constituency Thornbury and Yate answering member printed Steve Webb question first answered 07/04/2014 12:00:00 answering member 220 label Biography information for Steve Webb
	tabling member	3949 label Biography information for Gregg McClymont

47169

	registered interest
	date	07/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many people made the maximum allowed contribution to an ISA in each of the last three years; and how many he estimates will do so in each of the next three years as a result of changes announced in the 2014 Budget.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	195422
	answer	answer is ministerial correction date of answer 10/04/2014 answer text <p>HM TREASURY</p><p> </p><p> </p><p> </p><p>Gregg McClymont MP</p><p> </p><p><strong>CUMBERNAULD, KILSYTH AND KIRKINTILLOCH EAST</strong></p><p> </p><p>To ask Mr Chancellor of the Exchequer, how many people made the maximum allowed contribution to an ISA in each of the last three years; and how many he estimates will do so in each of the next three years as a result of changes announced in the 2014 Budget. 195422</p><p> </p><p>DAVID GAUKE</p><p>In 2010-11, around 1.2 million individuals made full use of their (£10,200) ISA allowance. Figures for more recent years are not yet available.</p><p> </p><p>As announced at Budget 2014, from 1 July 2014 the overall annual New ISA subscription limit will be increased to £15,000 and can be used for either cash or stocks and shares investments, or any combination of the two, up to this limit. Over 6 million people are expected to benefit from these increases, including over 5 million adults currently making full use of the cash ISA limit.</p><p> </p><p>Estimates of the numbers of individuals expected to save at the new limit in each of the next three years are not available.</p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 10/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3949 label Biography information for Gregg McClymont

47170

	registered interest
	date	07/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, if he will publish an impact assessment of planned changes to pensions from 2015 as announced in the 2014 Budget.
	tabling member constituency	Cumbernauld, Kilsyth and Kirkintilloch East
	tabling member printed	Gregg McClymont
	uin	195423
	answer	answer is ministerial correction date of answer 10/04/2014 answer text <p>HM TREASURY</p><p> </p><p> </p><p> </p><p>MP Gregg McClymont MP</p><p> </p><p><strong>CUMBERNAULD, KILSYTH AND KIRKINTILLOCH EAST</strong></p><p> </p><p>To ask Mr Chancellor of the Exchequer if he will publish an impact assessment of planned changes to pensions from 2015 as announced in the 2014 Budget 195423</p><p> </p><p>DAVID GAUKE</p><p>The expected Exchequer impacts over the forecast period of the changes made to private pensions taxation as announced at Budget 2014 were included in the Taxes Information and Impact Note “Increasing Pension Flexibility” published on 19 March 2014 and can be found in Table 2.1 (p.56) of the Red Book.</p><p> </p><p>The Treasury announced in paragraph 1.13 of “Freedom of Choice in Pensions” that “it intends to publish draft legislation for a short technical consultation prior to the introduction of the legislation that will enact the changes from April 2015”. A consultation impact assessment will be published alongside this draft legislation.</p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 10/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3949 label Biography information for Gregg McClymont