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1661947

registered interest
date	19/09/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Standard of Living: Coventry
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent assessment he has made of the effect of his Department’s policies on living standards in (a) Coventry North East constituency and (b) Coventry.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	200460
answer	answer is ministerial correction date of answer 17/10/2023 answer text <p>The Government is committed to promoting living standards and fostering inclusive growth across the country. Taken together, support to households to help with higher bills this year and last is worth £94 billion, or £3,300 per household on average – one of the largest household support packages in Europe.</p><p> </p><p>Distributional analysis published at Spring Budget 2023 shows that the typical UK household at any income level will see a net benefit in 2023-24 following government decisions made from Autumn Statement 2022 onwards. Low-income households will receive the largest benefit in cash terms and as a percentage of income from government decisions.</p> answering member constituency Salisbury answering member printed John Glen question first answered 17/10/2023 09:16:15 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1466525

registered interest
date	26/05/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Inflation: Coventry
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent assessment he has made of the impact of inflation on living standards in (a) Coventry North East constituency and (b) Coventry.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	9901
answer	answer is ministerial correction date of answer 06/06/2022 answer text The Government recognises the challenges of high inflation and its impact on the cost of living across the country and is providing targeted support for the cost of living totalling over £37bn. This includes support for all domestic electricity customers in Great Britain, with £400 off their bills from October through the expansion of the Energy Bills Support Scheme (EBSS). It also includes support for over 8 million households across the UK in receipt of means tested benefits with a one-off Cost of Living Payment of £650, additional one-off payments of £150 to support disabled people with extra costs they face, and one-off payments of £300 to help over eight million pensioner households with the costs of energy. For families that still need additional support; the government is providing an extra £500 million of local support, via the Household Support Fund. answering member constituency Salisbury answering member printed John Glen question first answered 06/06/2022 08:49:47 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1464118

registered interest
date	18/05/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages: Arrears
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the impact of the increases in the cost of living on the number of households in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England that have fallen into arrears with their mortgage provider.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	4592
answer	answer is ministerial correction date of answer 23/05/2022 answer text <p>Ministers and officials meet regularly with industry, trade bodies, and regulators to understand their policies and the impact of the increased cost of living on mortgage borrowers.</p><p> </p><p>Bank of England data published on 8 March 2022 shows that arrears levels remain low, with the proportion of total mortgage loan balances with arrears at 0.84%, the lowest since recording began in 2007.</p><p> </p><p>The Government understands the pressures households face in the current cost of living context. These are global challenges, but the Government is providing support worth over £22 billion in 2022-23 to help households with these pressures, including providing millions of households with up to £350 to help with rising energy bills.</p><p> </p><p>The Government is also continuing its efforts to support mortgage borrowers. For example, the Government offers Support for Mortgage Interest (SMI) loans to homeowners in receipt of an income-related benefit to help prevent repossession. The Government also aims to help people avoid repossession through protection in the courts under the Mortgage Pre-Action Protocol which makes it clear that repossession must always be the last resort for lenders. Any borrowers worried about their mortgage payments should make early contact with their lender to discuss the forbearance options available to them.</p><p> </p> answering member constituency Salisbury answering member printed John Glen question first answered 23/05/2022 13:23:54 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1464146

registered interest
date	18/05/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banks: Closures
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate his Department has made of the number of closures of (a) bank branches and (b) free-to-use ATMs in (i) Coventry North East constituency, (ii) Coventry, (iii) the West Midlands and (iv) England in each of the last three years.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	4593
answer	answer is ministerial correction date of answer 24/05/2022 answer text <p>The Government does not make direct assessments of bank branch networks.</p><p>With regards to ATMs, LINK (the scheme that runs the UK’s largest ATM network) publishes the total of free-to-use ATMs across the UK online. As of April 2022, LINK reported that there were around 41,000 free-to-use ATMs in the UK. LINK’s Monthly ATM Footprint Report also publishes information monthly on the break down by constituency.</p><p> </p><p>More broadly, the Financial Conduct Authority (FCA) publishes data on access to cash coverage across the UK. As of the third quarter of 2021, the FCA reported that nearly 96% of the UK population are within 2km of a free-to-use cash access point.</p><p> </p><p>The Government intends to introduce legislation on cash access as part of the Financial Services and Markets Bill when Parliamentary time allows. The Government recently published a summary of response to the Access to Cash consultation, setting out the government’s planned approach to legislating for access to cash.</p><p> </p><p>Alternative options for access to banking services can be via telephone banking, through digital means such as mobile or online banking, and the Post Office. The Post Office Banking Framework allows 99% of personal banking and 95% of business banking customers to deposit cheques, check their balance and withdraw and deposit cash at 11,500 Post Office branches in the UK.</p> answering member constituency Salisbury answering member printed John Glen question first answered 24/05/2022 09:09:34 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1464148

registered interest
date	18/05/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cost of Living: Coventry
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what fiscal steps his Department is taking to reduce the impact of the rise in the cost of living on households in (a) Coventry North East constituency and (b) Coventry.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	4594
answer	answer is ministerial correction date of answer 25/05/2022 answer text <p>The government understands how the rising cost of living is making life harder for people. These are global challenges however, as set out in the Spring Statement, the government is providing support in the form of UK-wide measures worth over £22 billion in 2022-23 to help families with these pressures.</p><p> </p><p>This includes providing millions of households in the UK with up to £350 to help with rising energy bills and helping people keep more of what they earn. The government has also cut the Universal Credit taper rate, frozen alcohol duty and has further increased the National Living Wage to £9.50 an hour. The Spring Statement went further, with the government announcing an increase to the annual National Insurance Primary Threshold and Lower Profits Limit to £12,570 from July 2022, a cut to fuel duty, and an additional £500m for the Household Support Fund to help with the cost of essentials.</p><p>The government will continue to keep the situation under review, including monitoring the ongoing impact of Russia’s invasion of Ukraine on our economy, and will be ready to take further steps if needed to support households.</p> answering member constituency Salisbury answering member printed John Glen question first answered 25/05/2022 11:44:40 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1461599

registered interest
date	10/05/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts: Coventry
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent estimate his Department has made of trends in the level of household debt in (a) Coventry North East constituency and (b) Coventry in each of the last two years.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	269
answer	answer is ministerial correction date of answer 16/05/2022 answer text <p>The Government is committed to monitoring and understanding households’ personal finances in order to inform policy making to help people manage their money well, encourage them to save and access appropriate guidance and support if they need help to get their finances back on track. To do so, the Government monitors personal debt levels by working closely with the <a href="https://en.wikipedia.org/wiki/Money_and_Pensions_Service" target="_blank">Money and Pensions Service</a> (MaPS), the Financial Conduct Authority (<a href="https://en.wikipedia.org/wiki/FCA" target="_blank">FCA</a>) and by engaging regularly with many other stakeholders 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. MaPS monitors financial difficulty through an annual survey of 22,000 people. The results of MaPS’ latest Debt Need Survey were published on 23 February 2022. This includes a regional breakdown of how the need for debt advice changed since 2019 across the UK. The summary of their findings can be found in the link below</p><p> </p><p><a href="https://www.maps.org.uk/2022/02/23/who-needs-debt-advice-in-2022/?msclkid=79e864bcd13511ecbfe47637e6b4cf42" target="_blank">Who needs debt advice in 2022? | The Money and Pensions Service (maps.org.uk)</a></p><p> </p><p>MaPS also intends to publish constituency-level results later this year.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 273 question first answered 16/05/2022 13:31:13 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1461607

registered interest
date	10/05/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent assessment he has made of trends in the regional spread of household debt in each of the last three years.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	273
answer	answer is ministerial correction date of answer 16/05/2022 answer text <p>The Government is committed to monitoring and understanding households’ personal finances in order to inform policy making to help people manage their money well, encourage them to save and access appropriate guidance and support if they need help to get their finances back on track. To do so, the Government monitors personal debt levels by working closely with the <a href="https://en.wikipedia.org/wiki/Money_and_Pensions_Service" target="_blank">Money and Pensions Service</a> (MaPS), the Financial Conduct Authority (<a href="https://en.wikipedia.org/wiki/FCA" target="_blank">FCA</a>) and by engaging regularly with many other stakeholders 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. MaPS monitors financial difficulty through an annual survey of 22,000 people. The results of MaPS’ latest Debt Need Survey were published on 23 February 2022. This includes a regional breakdown of how the need for debt advice changed since 2019 across the UK. The summary of their findings can be found in the link below</p><p> </p><p><a href="https://www.maps.org.uk/2022/02/23/who-needs-debt-advice-in-2022/?msclkid=79e864bcd13511ecbfe47637e6b4cf42" target="_blank">Who needs debt advice in 2022? | The Money and Pensions Service (maps.org.uk)</a></p><p> </p><p>MaPS also intends to publish constituency-level results later this year.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 269 question first answered 16/05/2022 13:31:13 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1416554

registered interest
date	25/01/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banks: Closures
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate his Department has made of the number of bank branch closures in (a) Coventry, (b) the West Midlands and (c) England in each of the last five years.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	111605
answer	answer is ministerial correction date of answer 28/01/2022 answer text <p>The Government recognises the continued importance of access to banking. However, decisions on opening and closing branches are a commercial issue for banks and building societies. The Government does not intervene in these decisions or make direct assessments of these branch networks.</p><p /><p>In May 2017, the largest banks and building societies signed up to the Access to Banking Standard which commits them to ensure customers are well informed about branch closures, the bank’s reasons for closure and options for continued access to banking services.</p><p /><p>Guidance from the Financial Conduct Authority also sets out its expectation of firms when they are deciding to reduce their physical branches or the number of free-to-use ATMs. Firms are expected to carefully consider the impact of planned branch closures on their customers’ everyday banking and cash access needs and consider possible alternative access arrangements. This ensures the implementation of closure decisions is undertaken in a way that treats customers fairly.</p><p /><p>Alternative options for access can be via telephone banking, through digital means such as mobile or online banking, and the Post Office. The Post Office Banking Framework allows 95% of business and 99% of personal banking customers to deposit cheques, check their balance and withdraw and deposit cash at 11,500 Post Office branches in the UK.</p> answering member constituency Salisbury answering member printed John Glen question first answered 28/01/2022 10:53:50 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1404828

registered interest
date	20/01/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services
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 number of people in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England who do not have a bank account.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	108535
answer	answer is ministerial correction date of answer 25/01/2022 answer text <p>The Government recognises the continued importance of access to banking.</p><p> </p><p>The Financial Conduct Authority conducts a biennial Financial Lives Survey of 16,000 adults which provides a comprehensive insight into the finances of the UK population. The latest findings from the survey were published in February 2021. They showed that in February 2020 1.2 million adults were considered ‘unbanked’, defined as adults without a current account or an alternative e-money account. The Government does not have data broken down by area.</p><p> </p><p>The Government is also committed to improving access to financial services and recognises that access to a transactional bank account is key to enabling people to manage their money on a day-to-day basis effectively, securely and confidently. The nine largest personal current account providers in the UK are legally required to offer basic bank accounts to customers who do not have a bank account or who are not eligible for a bank’s standard current account.</p> answering member constituency Salisbury answering member printed John Glen question first answered 25/01/2022 12:49:12 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1377911

registered interest
date	12/11/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts: Coronavirus
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the impact of the covid-19 outbreak on the levels of household debt in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	73862
answer	answer is ministerial correction date of answer 19/11/2021 answer text <p>The Government regularly monitors trends in household debt levels in order to inform policy making to help people manage their money well and access support if they need to get their finances back on track. It does so by working closely with the <a href="https://en.wikipedia.org/wiki/Money_and_Pensions_Service" target="_blank">Money and Pensions Service</a> (MaPS), the Financial Conduct Authority (<a href="https://en.wikipedia.org/wiki/FCA" target="_blank">FCA</a>) and engages regularly with a range of other stakeholders on their research and findings.</p><p> </p><p>The FCA conducts a biennial Financial Lives Survey of 16,000 adults which provides a comprehensive insight into the finances of the <a href="https://en.wikipedia.org/wiki/UK" target="_blank">UK</a> population. The latest findings from the survey were published in February 2021 and 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 the Debt Need Survey of approximately 22,000 people, with data on regional levels of over-indebtedness last published in 2018. MaPS will publish the results of the 2021 Debt Need Survey early next year, which will include a regional breakdown of their new Need for Debt Advice measure.</p> answering member constituency Salisbury answering member printed John Glen question first answered 19/11/2021 16:00:47 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher