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1124957

registered interest
date	07/05/2019
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
hansard heading	Universal Credit: Mortgages
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what recent assessment she has made of the difficulties faced by universal credit claimants applying for a mortgage; and if she will make a statement.
tabling member constituency	East Ham
tabling member printed	Stephen Timms
uin	251193
answer	answer is ministerial correction date of answer 13/05/2019 answer text <p>The Financial Conduct Authority Handbook sets out rules and guidance for lenders. This provides that, prior to entering into a mortgage, a lender must assess whether the customer will be able to pay the sums due and must not enter into the transaction unless it can demonstrate that the mortgage is affordable for the customer (and any guarantor).</p><p> </p><p>It is up to individual lenders to determine how to ensure adherence to this requirement. Each lender is required to publish a written statement setting out the factors it will take into account in assessing a customer's ability to pay. This must, inter alia, address how income and expenditure is to be assessed, including details of the types of income which are acceptable.</p> answering member constituency Colchester answering member printed Will Quince question first answered 13/05/2019 12:55:26 answering member 4423 label Biography information for Will Quince
tabling member	163 label Biography information for Sir Stephen Timms

1124268

registered interest
date	01/05/2019
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
hansard heading	Social Security Benefits
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what steps she is taking to promote the use of benefits calculators to help ensure that people claim the benefits to which they are entitled.
tabling member constituency	East Ham
tabling member printed	Stephen Timms
uin	249806
answer	answer is ministerial correction date of answer 08/05/2019 answer text <p>The independent benefits calculators we endorse are intended to provide useful estimations of what people can get in certain circumstances, based on what information is entered on the calculators themselves. This is to allow people to safely explore what help they may receive from Universal Credit before they apply, or based on potential changes of circumstances.</p><p> </p><p>Information on accessing independent benefit calculators is readily available via the gov.uk website. This includes links to three independent calculators and advice on the type of information required to complete a calculation.</p><p><a href="https://www.gov.uk/benefits-calculators" target="_blank">https://www.gov.uk/benefits-calculators</a></p><p> </p><p>In addition, DWP staff will signpost post people to independent benefit calculators and websites which provide additional advice and guidance.</p> answering member constituency Colchester answering member printed Will Quince question first answered 08/05/2019 15:40:26 answering member 4423 label Biography information for Will Quince
tabling member	163 label Biography information for Sir Stephen Timms

1121768

registered interest
date	18/04/2019
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
hansard heading	Universal Credit
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, whether she has plans to change her Department’s policy on consent requirements for authorised representatives to act on behalf of claimants of universal credit.
tabling member constituency	East Ham
tabling member printed	Stephen Timms
uin	245555
answer	answer is ministerial correction date of answer 25/04/2019 answer text <p>We have had a number of workshops with stakeholders during which consent has been discussed, and we plan to do further work on explicit consent. This activity will include working with claimants and their representatives to ensure the process works effectively for vulnerable claimants to access the service.</p> answering member constituency Colchester answering member printed Will Quince question first answered 25/04/2019 10:32:29 answering member 4423 label Biography information for Will Quince
tabling member	163 label Biography information for Sir Stephen Timms