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1169487

	registered interest
	date	08/01/2020
	answering body	Ministry of Justice
	answering dept id	54
	answering dept short name	Justice
	answering dept sort name	Justice
	hansard heading	Duty Solicitors: North West
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Justice, what recent steps his Department has taken to ensure that adequate numbers of criminal duty solicitors are available in (a) the North West, (b) Merseyside, (c) Wirral and (d) Wallasey.
	tabling member constituency	Wallasey
	tabling member printed	Ms Angela Eagle
	uin	1288
	answer	answer is ministerial correction date of answer 13/01/2020 answer text <p>The Government is clear that there are sufficient solicitors to undertake criminal legal aid-funded cases and will make sure this continues to be the case in (a) the North West, (b) Merseyside, (c) Wirral and (d) Wallasey. The Government commenced a review of all criminal legal aid fee schemes in December 2018, including the criminal duty solicitor fee scheme.</p><p>In June 2019 the Government took the decision to accelerate certain key areas of the Criminal Legal Aid Review that were highlighted to be of immediate concern to defence practitioners.</p><p>In addition to monitoring duty solicitor coverage on an ongoing basis where issues are identified, the Government continues to take action to ensure there is ongoing availability of criminal legal advice for the public.</p><p> </p> answering member constituency Aldridge-Brownhills answering member printed Wendy Morton question first answered 13/01/2020 13:32:00 answering member 4358 label Biography information for Wendy Morton
	tabling member	491 label Biography information for Dame Angela Eagle

1535166

	registered interest
	date	24/10/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, whether his Department plans to introduce new measures to support mortgage prisoners in response to increases in the (a) base rate and (b) cost of living.
	tabling member constituency	Wallasey
	tabling member printed	Dame Angela Eagle
	uin	69530
	answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>The Financial Conduct Authority’s (FCA) review into mortgage prisoners, published in November 2021, found that there are 47,000 mortgage prisoners who might benefit from switching to a new mortgage deal but are considered too high risk to do so, despite being up to date with payments.</p><p> </p><p>The review makes clear that the reason mortgage prisoners are unable to switch are varied and complex. As such, there is no silver bullet to address the circumstances of this entire population of mortgage holders without being unfair to other borrowers.</p><p> </p><p>The Government has already worked with the FCA to implement changes to its mortgage lending rules, removing the regulatory barrier that prevented some mortgage prisoners, who otherwise may have been able to switch, from accessing new products. These rules should allow customers to switch to an active lender as long as they meet the lender’s risk appetite and certain criteria, such as not looking to borrow more.</p><p> </p><p>Ultimately, the pricing and availability of mortgages is a commercial decision for lenders in which the Government does not intervene. As such, the Government cannot force lenders to lend to borrowers that sit outside of their risk appetite.</p><p> </p><p>Any further work on this issue must consider the impact and practicality of solutions and their effects on the wider mortgage market, including the resilience of firms and fairness to other borrowers. There is no evidence, for instance, that consumers have experienced detriment that would be resolved by an extension of the regulatory perimeter. It is also worth noting that the Standard Variable Rates (SVRs) charged by inactive firms are in line with those paid by borrowers in the active market. The Government remains open to practical and proportionate solutions to help mortgage prisoners that do not pose unacceptable financial stability risks, and are not unfair to other borrowers in the mortgage market.</p><p> </p><p>More broadly, the Government understands that people across the UK are worried about the cost of living. That is why we have announced £37 billion of support for the cost of living this financial year. We have also taken decisive action to support millions of households with rising energy costs this winter through the Energy Price Guarantee and the Energy Bill Relief Scheme. Millions of the most vulnerable households will receive £1,200 of support this year, with additional support for pensioners and those claiming disability benefits.</p><p> </p><p>When mortgage borrowers are in financial difficulty and struggling to pay their mortgage, FCA guidance requires firms to provide support through tailored forbearance options. The Government also offers support to borrowers through Support for Mortgage Interest (SMI) loans to homeowners in receipt of an income-related benefit, and protection in the courts under the Mortgage Pre-Action Protocol.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 69531 69532 69533 69534 69535 question first answered 27/10/2022 10:05:54 answering member 4874 label Biography information for Andrew Griffith
	tabling member	491 label Biography information for Dame Angela Eagle

1535167

	registered interest
	date	24/10/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: Interest Rates
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment his Department has made of the potential merits regulating interest-only mortgage lenders’ adjustment of variable rates.
	tabling member constituency	Wallasey
	tabling member printed	Dame Angela Eagle
	uin	69531
	answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>The Financial Conduct Authority’s (FCA) review into mortgage prisoners, published in November 2021, found that there are 47,000 mortgage prisoners who might benefit from switching to a new mortgage deal but are considered too high risk to do so, despite being up to date with payments.</p><p> </p><p>The review makes clear that the reason mortgage prisoners are unable to switch are varied and complex. As such, there is no silver bullet to address the circumstances of this entire population of mortgage holders without being unfair to other borrowers.</p><p> </p><p>The Government has already worked with the FCA to implement changes to its mortgage lending rules, removing the regulatory barrier that prevented some mortgage prisoners, who otherwise may have been able to switch, from accessing new products. These rules should allow customers to switch to an active lender as long as they meet the lender’s risk appetite and certain criteria, such as not looking to borrow more.</p><p> </p><p>Ultimately, the pricing and availability of mortgages is a commercial decision for lenders in which the Government does not intervene. As such, the Government cannot force lenders to lend to borrowers that sit outside of their risk appetite.</p><p> </p><p>Any further work on this issue must consider the impact and practicality of solutions and their effects on the wider mortgage market, including the resilience of firms and fairness to other borrowers. There is no evidence, for instance, that consumers have experienced detriment that would be resolved by an extension of the regulatory perimeter. It is also worth noting that the Standard Variable Rates (SVRs) charged by inactive firms are in line with those paid by borrowers in the active market. The Government remains open to practical and proportionate solutions to help mortgage prisoners that do not pose unacceptable financial stability risks, and are not unfair to other borrowers in the mortgage market.</p><p> </p><p>More broadly, the Government understands that people across the UK are worried about the cost of living. That is why we have announced £37 billion of support for the cost of living this financial year. We have also taken decisive action to support millions of households with rising energy costs this winter through the Energy Price Guarantee and the Energy Bill Relief Scheme. Millions of the most vulnerable households will receive £1,200 of support this year, with additional support for pensioners and those claiming disability benefits.</p><p> </p><p>When mortgage borrowers are in financial difficulty and struggling to pay their mortgage, FCA guidance requires firms to provide support through tailored forbearance options. The Government also offers support to borrowers through Support for Mortgage Interest (SMI) loans to homeowners in receipt of an income-related benefit, and protection in the courts under the Mortgage Pre-Action Protocol.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 69530 69532 69533 69534 69535 question first answered 27/10/2022 10:05:54 answering member 4874 label Biography information for Andrew Griffith
	tabling member	491 label Biography information for Dame Angela Eagle

1535168

	registered interest
	date	24/10/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, whether his Department has made an assessment of the potential merits of incorporating closed book mortgages into existing mortgage regulatory frameworks.
	tabling member constituency	Wallasey
	tabling member printed	Dame Angela Eagle
	uin	69532
	answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>The Financial Conduct Authority’s (FCA) review into mortgage prisoners, published in November 2021, found that there are 47,000 mortgage prisoners who might benefit from switching to a new mortgage deal but are considered too high risk to do so, despite being up to date with payments.</p><p> </p><p>The review makes clear that the reason mortgage prisoners are unable to switch are varied and complex. As such, there is no silver bullet to address the circumstances of this entire population of mortgage holders without being unfair to other borrowers.</p><p> </p><p>The Government has already worked with the FCA to implement changes to its mortgage lending rules, removing the regulatory barrier that prevented some mortgage prisoners, who otherwise may have been able to switch, from accessing new products. These rules should allow customers to switch to an active lender as long as they meet the lender’s risk appetite and certain criteria, such as not looking to borrow more.</p><p> </p><p>Ultimately, the pricing and availability of mortgages is a commercial decision for lenders in which the Government does not intervene. As such, the Government cannot force lenders to lend to borrowers that sit outside of their risk appetite.</p><p> </p><p>Any further work on this issue must consider the impact and practicality of solutions and their effects on the wider mortgage market, including the resilience of firms and fairness to other borrowers. There is no evidence, for instance, that consumers have experienced detriment that would be resolved by an extension of the regulatory perimeter. It is also worth noting that the Standard Variable Rates (SVRs) charged by inactive firms are in line with those paid by borrowers in the active market. The Government remains open to practical and proportionate solutions to help mortgage prisoners that do not pose unacceptable financial stability risks, and are not unfair to other borrowers in the mortgage market.</p><p> </p><p>More broadly, the Government understands that people across the UK are worried about the cost of living. That is why we have announced £37 billion of support for the cost of living this financial year. We have also taken decisive action to support millions of households with rising energy costs this winter through the Energy Price Guarantee and the Energy Bill Relief Scheme. Millions of the most vulnerable households will receive £1,200 of support this year, with additional support for pensioners and those claiming disability benefits.</p><p> </p><p>When mortgage borrowers are in financial difficulty and struggling to pay their mortgage, FCA guidance requires firms to provide support through tailored forbearance options. The Government also offers support to borrowers through Support for Mortgage Interest (SMI) loans to homeowners in receipt of an income-related benefit, and protection in the courts under the Mortgage Pre-Action Protocol.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 69530 69531 69533 69534 69535 question first answered 27/10/2022 10:05:54 answering member 4874 label Biography information for Andrew Griffith
	tabling member	491 label Biography information for Dame Angela Eagle

1535169

	registered interest
	date	24/10/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, whether his Department has made an assessment of the potential merits of moving mortgage prisoners’ mortgages to active lenders.
	tabling member constituency	Wallasey
	tabling member printed	Dame Angela Eagle
	uin	69533
	answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>The Financial Conduct Authority’s (FCA) review into mortgage prisoners, published in November 2021, found that there are 47,000 mortgage prisoners who might benefit from switching to a new mortgage deal but are considered too high risk to do so, despite being up to date with payments.</p><p> </p><p>The review makes clear that the reason mortgage prisoners are unable to switch are varied and complex. As such, there is no silver bullet to address the circumstances of this entire population of mortgage holders without being unfair to other borrowers.</p><p> </p><p>The Government has already worked with the FCA to implement changes to its mortgage lending rules, removing the regulatory barrier that prevented some mortgage prisoners, who otherwise may have been able to switch, from accessing new products. These rules should allow customers to switch to an active lender as long as they meet the lender’s risk appetite and certain criteria, such as not looking to borrow more.</p><p> </p><p>Ultimately, the pricing and availability of mortgages is a commercial decision for lenders in which the Government does not intervene. As such, the Government cannot force lenders to lend to borrowers that sit outside of their risk appetite.</p><p> </p><p>Any further work on this issue must consider the impact and practicality of solutions and their effects on the wider mortgage market, including the resilience of firms and fairness to other borrowers. There is no evidence, for instance, that consumers have experienced detriment that would be resolved by an extension of the regulatory perimeter. It is also worth noting that the Standard Variable Rates (SVRs) charged by inactive firms are in line with those paid by borrowers in the active market. The Government remains open to practical and proportionate solutions to help mortgage prisoners that do not pose unacceptable financial stability risks, and are not unfair to other borrowers in the mortgage market.</p><p> </p><p>More broadly, the Government understands that people across the UK are worried about the cost of living. That is why we have announced £37 billion of support for the cost of living this financial year. We have also taken decisive action to support millions of households with rising energy costs this winter through the Energy Price Guarantee and the Energy Bill Relief Scheme. Millions of the most vulnerable households will receive £1,200 of support this year, with additional support for pensioners and those claiming disability benefits.</p><p> </p><p>When mortgage borrowers are in financial difficulty and struggling to pay their mortgage, FCA guidance requires firms to provide support through tailored forbearance options. The Government also offers support to borrowers through Support for Mortgage Interest (SMI) loans to homeowners in receipt of an income-related benefit, and protection in the courts under the Mortgage Pre-Action Protocol.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 69530 69531 69532 69534 69535 question first answered 27/10/2022 10:05:54 answering member 4874 label Biography information for Andrew Griffith
	tabling member	491 label Biography information for Dame Angela Eagle

1535171

	registered interest
	date	24/10/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: Interest Rates
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment his Department has made of the potential merits of introducing a moratorium on interest rate rises for those with pre-2008 mortgages in non-lending closed books.
	tabling member constituency	Wallasey
	tabling member printed	Dame Angela Eagle
	uin	69534
	answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>The Financial Conduct Authority’s (FCA) review into mortgage prisoners, published in November 2021, found that there are 47,000 mortgage prisoners who might benefit from switching to a new mortgage deal but are considered too high risk to do so, despite being up to date with payments.</p><p> </p><p>The review makes clear that the reason mortgage prisoners are unable to switch are varied and complex. As such, there is no silver bullet to address the circumstances of this entire population of mortgage holders without being unfair to other borrowers.</p><p> </p><p>The Government has already worked with the FCA to implement changes to its mortgage lending rules, removing the regulatory barrier that prevented some mortgage prisoners, who otherwise may have been able to switch, from accessing new products. These rules should allow customers to switch to an active lender as long as they meet the lender’s risk appetite and certain criteria, such as not looking to borrow more.</p><p> </p><p>Ultimately, the pricing and availability of mortgages is a commercial decision for lenders in which the Government does not intervene. As such, the Government cannot force lenders to lend to borrowers that sit outside of their risk appetite.</p><p> </p><p>Any further work on this issue must consider the impact and practicality of solutions and their effects on the wider mortgage market, including the resilience of firms and fairness to other borrowers. There is no evidence, for instance, that consumers have experienced detriment that would be resolved by an extension of the regulatory perimeter. It is also worth noting that the Standard Variable Rates (SVRs) charged by inactive firms are in line with those paid by borrowers in the active market. The Government remains open to practical and proportionate solutions to help mortgage prisoners that do not pose unacceptable financial stability risks, and are not unfair to other borrowers in the mortgage market.</p><p> </p><p>More broadly, the Government understands that people across the UK are worried about the cost of living. That is why we have announced £37 billion of support for the cost of living this financial year. We have also taken decisive action to support millions of households with rising energy costs this winter through the Energy Price Guarantee and the Energy Bill Relief Scheme. Millions of the most vulnerable households will receive £1,200 of support this year, with additional support for pensioners and those claiming disability benefits.</p><p> </p><p>When mortgage borrowers are in financial difficulty and struggling to pay their mortgage, FCA guidance requires firms to provide support through tailored forbearance options. The Government also offers support to borrowers through Support for Mortgage Interest (SMI) loans to homeowners in receipt of an income-related benefit, and protection in the courts under the Mortgage Pre-Action Protocol.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 69530 69531 69532 69533 69535 question first answered 27/10/2022 10:05:54 answering member 4874 label Biography information for Andrew Griffith
	tabling member	491 label Biography information for Dame Angela Eagle

1535172

	registered interest
	date	24/10/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: Interest Rates
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, whether his Department has made an assessment of the potential merits of capping profit margins on standard variable rate mortgages.
	tabling member constituency	Wallasey
	tabling member printed	Dame Angela Eagle
	uin	69535
	answer	answer is ministerial correction date of answer 27/10/2022 answer text <p>The Financial Conduct Authority’s (FCA) review into mortgage prisoners, published in November 2021, found that there are 47,000 mortgage prisoners who might benefit from switching to a new mortgage deal but are considered too high risk to do so, despite being up to date with payments.</p><p> </p><p>The review makes clear that the reason mortgage prisoners are unable to switch are varied and complex. As such, there is no silver bullet to address the circumstances of this entire population of mortgage holders without being unfair to other borrowers.</p><p> </p><p>The Government has already worked with the FCA to implement changes to its mortgage lending rules, removing the regulatory barrier that prevented some mortgage prisoners, who otherwise may have been able to switch, from accessing new products. These rules should allow customers to switch to an active lender as long as they meet the lender’s risk appetite and certain criteria, such as not looking to borrow more.</p><p> </p><p>Ultimately, the pricing and availability of mortgages is a commercial decision for lenders in which the Government does not intervene. As such, the Government cannot force lenders to lend to borrowers that sit outside of their risk appetite.</p><p> </p><p>Any further work on this issue must consider the impact and practicality of solutions and their effects on the wider mortgage market, including the resilience of firms and fairness to other borrowers. There is no evidence, for instance, that consumers have experienced detriment that would be resolved by an extension of the regulatory perimeter. It is also worth noting that the Standard Variable Rates (SVRs) charged by inactive firms are in line with those paid by borrowers in the active market. The Government remains open to practical and proportionate solutions to help mortgage prisoners that do not pose unacceptable financial stability risks, and are not unfair to other borrowers in the mortgage market.</p><p> </p><p>More broadly, the Government understands that people across the UK are worried about the cost of living. That is why we have announced £37 billion of support for the cost of living this financial year. We have also taken decisive action to support millions of households with rising energy costs this winter through the Energy Price Guarantee and the Energy Bill Relief Scheme. Millions of the most vulnerable households will receive £1,200 of support this year, with additional support for pensioners and those claiming disability benefits.</p><p> </p><p>When mortgage borrowers are in financial difficulty and struggling to pay their mortgage, FCA guidance requires firms to provide support through tailored forbearance options. The Government also offers support to borrowers through Support for Mortgage Interest (SMI) loans to homeowners in receipt of an income-related benefit, and protection in the courts under the Mortgage Pre-Action Protocol.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 69530 69531 69532 69533 69534 question first answered 27/10/2022 10:05:54 answering member 4874 label Biography information for Andrew Griffith
	tabling member	491 label Biography information for Dame Angela Eagle

1654627

	registered interest
	date	20/07/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit: Regulation
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, when his Department plans to publish the outcome of the consultation entitled Regulation of Buy-Now Pay Later: consultation on draft legislation.
	tabling member constituency	Wallasey
	tabling member printed	Dame Angela Eagle
	uin	195335
	answer	answer is ministerial correction date of answer 06/09/2023 answer text <p>The Government’s consultation on proposed draft legislation to bring Buy-Now Pay-Later into regulation closed in April. The Government has been carefully considering stakeholder feedback to this consultation and intends to publish a consultation response in which it will set out next steps, in due course.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 195336 question first answered 06/09/2023 15:35:58 answering member 4874 label Biography information for Andrew Griffith
	tabling member	491 label Biography information for Dame Angela Eagle

1654628

	registered interest
	date	20/07/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit: Regulation
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, when his Department plans to lay before Parliament legislative proposals relating to the consultation entitled Regulation of Buy-Now Pay Later: consultation on draft legislation.
	tabling member constituency	Wallasey
	tabling member printed	Dame Angela Eagle
	uin	195336
	answer	answer is ministerial correction date of answer 06/09/2023 answer text <p>The Government’s consultation on proposed draft legislation to bring Buy-Now Pay-Later into regulation closed in April. The Government has been carefully considering stakeholder feedback to this consultation and intends to publish a consultation response in which it will set out next steps, in due course.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 195335 question first answered 06/09/2023 15:35:58 answering member 4874 label Biography information for Andrew Griffith
	tabling member	491 label Biography information for Dame Angela Eagle

1186848

	registered interest
	date	20/03/2020
	answering body	Department for Environment, Food and Rural Affairs
	answering dept id	13
	answering dept short name	Environment, Food and Rural Affairs
	answering dept sort name	Environment, Food and Rural Affairs
	hansard heading	Supermarkets: Coronavirus
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Energy and Industrial Strategy, what recent discussions he has had with supermarkets on providing adequate home delivery shopping slots for people who are (a) self isolating or (b) have covid-19.
	tabling member constituency	Wallasey
	tabling member printed	Ms Angela Eagle
	uin	32639
	answer	answer is ministerial correction date of answer 26/03/2020 answer text <p>We are working closely across Government, with representatives of the food supply chain and with local authorities and charities to ensure that the elderly, vulnerable groups, and people who need to stay at home will have continued access to food.</p><p> </p><p>To help industry respond to this unprecedented demand we have introduced new measures to support food deliveries. We have issued guidance to local authorities to allow extended delivery hours to supermarkets so that shelves can be filled up more quickly, and we have implemented extensions to drivers’ hours. We are also temporarily relaxing certain elements of competition law to ensure retailers are able to collaborate effectively in the national interest, for example by sharing distribution depots and delivery vans. We welcome the actions that industry is taking, including hiring more staff, including prioritising delivery slots for those that need them most.</p><p> </p><p>The Government is working to ensure that up to 1.5 million people in England identified by the NHS as being at higher risk of severe illness if they contract Coronavirus will have access to the food they need. A new Local Support System will make sure those individuals self-isolating at home and who are without a support network of friends and family will receive basic food and essential supplies. The Government is working with a partnership of the food industry, local government, local resilience forums and emergency partners, and voluntary groups, to ensure that essential items can start to be delivered as soon as possible to those who need it.</p> answering member constituency Banbury answering member printed Victoria Prentis question first answered 26/03/2020 17:36:34 answering member 4401 label Biography information for Victoria Prentis
	tabling member	491 label Biography information for Dame Angela Eagle