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1180118

	registered interest
	date	24/02/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Treasury: Civil Society
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what estimate he has made of the total amount of funding from the public purse given by his Department to (a) civil society and (b) campaigning bodies in each of the last five years.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	19836
	answer	answer is ministerial correction date of answer 03/03/2020 answer text <p>Civil society forms an essential part of our communities up and down the country. It includes large, national charities, social enterprises, volunteers and small grassroots organisations but what joins them all is the idea of creating social value to help build a better society.</p><p> </p><p>Government funding to civil society is ring-fenced for particular projects or programmes. Grant agreement terms and conditions prohibit grant funding being used for paid for lobbying and political campaigning.</p><p> </p><p>HMT has not contributed towards any funding for either civil society or campaigning bodies in any of the last 5 years.</p> answering member constituency Salisbury answering member printed John Glen question first answered 03/03/2020 13:28:21 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

1185721

	registered interest
	date	17/03/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Travel: Insurance
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what steps he is taking to ensure that people that can no longer travel as a result of the outbreak of covid-19 can claim compensation through their travel insurance.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	30745
	answer	answer is ministerial correction date of answer 23/03/2020 answer text <p>On Tuesday 17 March the Chancellor announced that as the wider economic picture becomes clearer, the Government would do whatever it takes to get our nation through the impacts of COVID-19 and that he stands ready to announce further action wherever necessary. The Government is in continual dialogue with the insurance sector about its contribution to handling this unprecedented situation.</p><p> </p><p>In the first instance, customers who can no longer travel should seek compensation from their travel providers. Many UK carriers are offering vouchers, free rebooking or refunds.</p><p> </p><p>Further, on 17 March the Foreign and Commonwealth Office advised against all non-essential travel abroad. Generally, insurance for cancellation or travel disruption will be triggered by FCO advice. This decision will therefore allow policyholders to claim for cancelled trips that were already booked and cannot now go ahead, if they have the relevant cancellation or travel disruption cover in place.</p><p> </p><p>In addition, the FCA’s rules require insurers to handle claims fairly and promptly; provide reasonable guidance to help a policyholder make a claim, and appropriate information on its progress; not reject a claim unreasonably; and settle claims promptly once settlement terms are agreed.</p> answering member constituency Salisbury answering member printed John Glen question first answered 23/03/2020 14:11:09 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

1186205

	registered interest
	date	18/03/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insurance Companies: Coronavirus
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what discussions he has had with insurance companies that will not pay out insurance monies to their customers on the basis that the covid-19 has not yet been put on their list of infectious diseases.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	31482
	answer	answer is ministerial correction date of answer 23/03/2020 answer text <p>The Government is in continual dialogue with the insurance sector about its contribution to handling this unprecedented situation. Most businesses have not purchased insurance policies that cover unspecified notifiable diseases, such as COVID-19. Insurance policies differ significantly, so businesses are encouraged to check the terms and conditions of their specific policy and contact their providers.</p><p> </p><p>In addition, the FCA’s rules require insurers to handle claims fairly and promptly; provide reasonable guidance to help a policyholder make a claim, and appropriate information on its progress; not reject a claim unreasonably; and settle claims promptly once settlement terms are agreed.</p><p>On Tuesday 17 March the Chancellor announced that the Government would do whatever it takes to get our nation through the impacts of COVID-19 and that he stands ready to announce further action wherever necessary.</p> answering member constituency Salisbury answering member printed John Glen question first answered 23/03/2020 14:25:56 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

874866

	registered interest
	date	29/03/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, whether the Government plans to cap the maximum sum of money people can borrow from rent to own and doorstep lenders.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	135167
	answer	answer is ministerial correction date of answer 18/04/2018 answer text <p>The Government transferred the regulation of consumer credit to the Financial Conduct Authority (FCA) in 2014 and has given the FCA strong powers to protect consumers. This was demonstrated by the FCA announcement in October 2017 that BrightHouse, a rent-to-own firm, would pay over £14.8 million in redress to 249,000 customers in respect of agreements which may not have been affordable, and payments which should have been refunded.</p><p> </p><p>The Government has also given the FCA the power to cap the cost of all forms of credit, and the FCA can do so if it thinks it is necessary to protect consumers. The FCA’s review of the high-cost credit sector has identified concerns about the high costs of rent-to-own borrowing, as well as concerns about repeat borrowing and refinancing in the doorstep lending sector. The FCA has said that it will consult on proposed remedies in May 2018.</p><p> </p><p>Treasury ministers and officials have meetings with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery. Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available at: https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 135169 question first answered 18/04/2018 13:03:39 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

874867

	registered interest
	date	29/03/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Financial Services: Education
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what plans the Government has to increase access to financial education for people on low incomes.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	135168
	answer	answer is ministerial correction date of answer 18/04/2018 answer text <p>Government policy on financial education and capability focuses on ensuring that people have the confidence and skills they need to successfully engage with their finances. To this end the Government established the Money Advice Service (MAS), which provides free-to-use financial guidance and coordinates the UK’s Financial Capability Strategy. This is a 10-year strategy which aims to gather evidence on the most effective interventions to improve people’s financial capability, and support and coordinate initiatives that are proven to work. As part of this strategy MAS will shortly publish plans to commission projects to help working age adults manage their money, which will include a focus on households on low incomes. The plans will also focus on the financial capability needs of children and young people at home, in school, and in community settings.</p><p>Moving forward, the Government is legislating to merge the functions of MAS with those of The Pensions Advisory Service (TPAS) and Pension Wise, to create a Single Financial Guidance Body to simplify the existing public financial guidance landscape. The government’s commitment to improving people’s financial capability is reflected in the new body’s strategic function to develop and coordinate a national strategy to improve the financial capability of members of the public, which will build on and further progress MAS’s work.</p><p>It is also particularly important that children and young adults receive financial education to help them shape their financial habits later in life. This is why financial literacy was made statutory within the national curriculum in England in 2014, as part of the curriculum for citizenship education for 11-16 year olds.</p> answering member constituency Salisbury answering member printed John Glen question first answered 18/04/2018 13:10:16 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon

874868

	registered interest
	date	29/03/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with the rent-to-own and doorstep lending industry on how they target customers.
	tabling member constituency	Harlow
	tabling member printed	Robert Halfon
	uin	135169
	answer	answer is ministerial correction date of answer 18/04/2018 answer text <p>The Government transferred the regulation of consumer credit to the Financial Conduct Authority (FCA) in 2014 and has given the FCA strong powers to protect consumers. This was demonstrated by the FCA announcement in October 2017 that BrightHouse, a rent-to-own firm, would pay over £14.8 million in redress to 249,000 customers in respect of agreements which may not have been affordable, and payments which should have been refunded.</p><p> </p><p>The Government has also given the FCA the power to cap the cost of all forms of credit, and the FCA can do so if it thinks it is necessary to protect consumers. The FCA’s review of the high-cost credit sector has identified concerns about the high costs of rent-to-own borrowing, as well as concerns about repeat borrowing and refinancing in the doorstep lending sector. The FCA has said that it will consult on proposed remedies in May 2018.</p><p> </p><p>Treasury ministers and officials have meetings with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery. Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available at: https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 135167 question first answered 18/04/2018 13:03:39 answering member 4051 label Biography information for John Glen
	tabling member	3985 label Biography information for Robert Halfon