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1306713

registered interest
date	25/03/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Financial Ombudsman Service: Credit
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what discussions they have had with the Financial Ombudsman Service about (1) the Ombudsman's mass claims unit, and (2) the affordability of mass claims relating to consumer credit companies.
tabling member printed	Lord Naseby
uin	HL14653
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>The Treasury is in regular dialogue with the Financial Ombudsman Service (FOS) including on matters relating to consumer credit affordability and redress claims.</p><p> </p><p>To help alleviate the pressure on firms, the FOS currently sets the number of free cases at 25. From the 26<sup>th</sup> complaint onwards, businesses are currently charged a £650 case fee to cover the cost of subsequent complaints brought against them, regardless of outcome. It is estimated that nine in ten businesses whose customers bring complaints to the FOS won’t pay any case fees.</p><p> </p><p>It is important to note that the FOS is an independent non-governmental body which makes decisions within the statutory framework agreed by Parliament. The Government is not involved in the day-to-day operations of the FOS.</p><p> </p><p>The independence of the FOS is vital to its role. Its credibility, authority and value to consumers would be undermined if it were possible for the Government to intervene in its decision making.</p> answering member printed Lord Agnew of Oulton grouped question UIN HL14654 question first answered 31/03/2021 14:25:03 answering member 4689 label Biography information for Lord Agnew of Oulton
tabling member	1251 label Biography information for Lord Naseby

1306714

registered interest
date	25/03/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Financial Ombudsman Service: Credit
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government whether (1) they, or (2) the Financial Conduct Authority, approved the use by the Financial Ombudsman Service of 'mass claims' to deal with claims against consumer credit companies.
tabling member printed	Lord Naseby
uin	HL14654
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>The Treasury is in regular dialogue with the Financial Ombudsman Service (FOS) including on matters relating to consumer credit affordability and redress claims.</p><p> </p><p>To help alleviate the pressure on firms, the FOS currently sets the number of free cases at 25. From the 26<sup>th</sup> complaint onwards, businesses are currently charged a £650 case fee to cover the cost of subsequent complaints brought against them, regardless of outcome. It is estimated that nine in ten businesses whose customers bring complaints to the FOS won’t pay any case fees.</p><p> </p><p>It is important to note that the FOS is an independent non-governmental body which makes decisions within the statutory framework agreed by Parliament. The Government is not involved in the day-to-day operations of the FOS.</p><p> </p><p>The independence of the FOS is vital to its role. Its credibility, authority and value to consumers would be undermined if it were possible for the Government to intervene in its decision making.</p> answering member printed Lord Agnew of Oulton grouped question UIN HL14653 question first answered 31/03/2021 14:25:03 answering member 4689 label Biography information for Lord Agnew of Oulton
tabling member	1251 label Biography information for Lord Naseby

1306723

registered interest
date	25/03/2021
answering body	Ministry of Defence
answering dept id	11
answering dept short name	Defence
answering dept sort name	Defence
hansard heading	Marines
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what was the trained personnel strength of the Royal Marines on (1) 1 April 2010, (2) 1 April 2016, and (3) what do they estimate will be the trained personnel strength on 1 April 2025.
tabling member printed	Lord West of Spithead
uin	HL14667
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>As at 1 January 2021, the current Full Time Trained Strength of the Royal Marines is 5,968. On 1 April 2010 and 1 April 2016, the Full Time Trained Strength of the Royal Marines was 7,082 and 6,921 respectively.</p><p> </p><p>The recent Defence Command Paper announced that the Royal Marines will transition into the Future Commando Force and adopt new and autonomous capabilities. As a result, force structures will change but decisions are yet to be made on the future size of the Royal Marines.</p> answering member printed Baroness Goldie question first answered 31/03/2021 14:28:08 answering member 4306 label Biography information for Baroness Goldie
tabling member	3834 label Biography information for Lord West of Spithead

1305827

registered interest
date	24/03/2021
answering body	Department for Business, Energy and Industrial Strategy
answering dept id	201
answering dept short name	Business, Energy and Industrial Strategy
answering dept sort name	Business, Energy and Industrial Strategy
hansard heading	UK Endorsement Board
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to the Written Answer by Lord Henley on 26 April 2018 (HL7046), whether they will require the UK Endorsement Board to publish terms of reference that are (1) not subject to legal professional privilege, (2) developed independently of (a) current, or (b) former, advisers to accounting firms which have contributed to accounting standards.
tabling member printed	Baroness Bowles of Berkhamsted
uin	HL14556
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>The Terms of Reference for the UK Endorsement Board (UKEB) were set by my Rt. Hon. Friend the Secretary of State and agreed by the UKEB at their inaugural meeting on 26 March. A copy has been published on the UKEB’s website (please see attached).</p> answering member printed Lord Callanan grouped question UIN HL14557 question first answered 31/03/2021 14:15:33 answering member 4336 label Biography information for Lord Callanan attachment 1 file name UKEB-Draft-Terms-of-Reference-Feb2021.pdf title The Terms of Reference for the UKEB
tabling member	4562 label Biography information for Baroness Bowles of Berkhamsted

1305828

registered interest
date	24/03/2021
answering body	Department for Business, Energy and Industrial Strategy
answering dept id	201
answering dept short name	Business, Energy and Industrial Strategy
answering dept sort name	Business, Energy and Industrial Strategy
hansard heading	UK Endorsement Board
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to the Written Answer by Lord Henley on 26 April 2018 (HL7046), whether they will publish terms of reference for the UK Endorsement Board that are (1) not subject to legal professional privilege, and (2) developed independently of (a) current, or (b) former, advisers to accounting firms which have contributed to accounting standards.
tabling member printed	Baroness Bowles of Berkhamsted
uin	HL14557
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>The Terms of Reference for the UK Endorsement Board (UKEB) were set by my Rt. Hon. Friend the Secretary of State and agreed by the UKEB at their inaugural meeting on 26 March. A copy has been published on the UKEB’s website (please see attached).</p> answering member printed Lord Callanan grouped question UIN HL14556 question first answered 31/03/2021 14:15:33 answering member 4336 label Biography information for Lord Callanan attachment 1 file name UKEB-Draft-Terms-of-Reference-Feb2021.pdf title The Terms of Reference for the UKEB
tabling member	4562 label Biography information for Baroness Bowles of Berkhamsted

1305831

registered interest
date	24/03/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services and Billing: Older People
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what assessment they have made of the impact of the digitalisation of banking and billing services on elderly people.
tabling member printed	Lord Browne of Belmont
uin	HL14560
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>The retail sector is evolving, as more consumers and businesses opt for the convenience, security, and speed of digital payments and digital banking.</p><p> </p><p>While these innovations have brought considerable benefits to many consumers, the Government recognises that some people continue to prefer to access their banking and payments through more traditional channels. Though the Government does not make direct assessments of the impact of digitalisation of banking and billing services on the elderly, it firmly believes that it is vital to ensure that all customers, including the elderly, have suitable access to banking and bill payment services.</p><p> </p><p>That is why UK banks and building societies are required to provide a prompt, efficient and fair service to all of their customers, including the elderly, as set out in the Financial Conduct Authority’s (FCA) Principles of Business. For example, if a customer did not have access to the internet, then the FCA would expect the customers’ bank to provide paper bank statements to them instead.</p><p> </p><p>For billing services, the energy regulator Ofgem requires energy suppliers to maintain a Priority Services Register of customers in vulnerable circumstances, which includes customers of pensionable age. A range of protections are available to these customers, including the provision of account and bill information in an accessible format.</p> answering member printed Lord Agnew of Oulton question first answered 31/03/2021 14:19:24 answering member 4689 label Biography information for Lord Agnew of Oulton
tabling member	3801 label Biography information for Lord Browne of Belmont

1305836

registered interest
date	24/03/2021
answering body	Department for Digital, Culture, Media and Sport
answering dept id	10
answering dept short name	Digital, Culture, Media and Sport
answering dept sort name	Digital, Culture, Media and Sport
hansard heading	Convention for the Safeguarding of the Intangible Cultural Heritage
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to ratify the UNESCO Convention for the Safeguarding of the Intangible Cultural Heritage.
tabling member printed	The Earl of Clancarty
uin	HL14565
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>The Government values the profound contribution of the UK’s craft workers, artisans and artists to the preservation of our unique intangible heritage. We are exploring the merits of ratifying the UNESCO Convention for the Safeguarding of the Intangible Cultural Heritage, as a potential addition to the broad range of support measures which already exist for this vital aspect of our nation’s life.</p><p> </p> answering member printed Baroness Barran question first answered 31/03/2021 14:27:25 answering member 4703 label Biography information for Baroness Barran
tabling member	3391 label Biography information for The Earl of Clancarty

1305842

registered interest
date	24/03/2021
answering body	Ministry of Defence
answering dept id	11
answering dept short name	Defence
answering dept sort name	Defence
hansard heading	Defence
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to (1) the government of Russia’s seizure of Crimea, and (2) the government of Azerbaijan’s attack on Nagorno-Karabakh, what plans they have to review their policies for (a) nuclear, and (b) other deterrence.
tabling member printed	Lord Hylton
uin	HL14575
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>The international order is more fragmented, characterised by intensifying competition between states over interests, norms and values.</p><p> </p><p>The UK's defence and deterrence policy is kept constantly under review to ensure that it reflects the current security environment. NATO remains the foundation of collective security in the Euro-Atlantic area, where our commitment to Article 5 of the North Atlantic Treaty remains our most powerful deterrent. To respond to emerging security challenges, including sub-threshold activity, Her Majesty's Government applies modern deterrence: the application of all appropriate tools to deter actual or potential adversaries from attempting harm against the UK or our partners.</p><p> </p><p>We continue to use the full spectrum of our capabilities to deter adversaries and to deny them opportunities to attack us or our allies. The UK's nuclear deterrent exists to deter the most extreme threats to our national security and way of life.</p> answering member printed Baroness Goldie question first answered 31/03/2021 14:28:58 answering member 4306 label Biography information for Baroness Goldie
tabling member	2018 label Biography information for Lord Hylton

1305870

registered interest
date	24/03/2021
answering body	Ministry of Defence
answering dept id	11
answering dept short name	Defence
answering dept sort name	Defence
hansard heading	Reserve Forces
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to the remarks by Baroness Goldie on 23 March (HL Deb, col 811), whether the review of reserves by Lord Lancaster of Kimbolton will cover the provision of soldiers for 'Military Aid to the Civil Power', including (1) resilience, and (2) disaster relief, following the recent cut in the size of the armed forces.
tabling member printed	Lord West of Spithead
uin	HL14610
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>The Reserve Forces 2030 (RF30) review was initiated by the Chief of the Defence Staff in February 2020. Lord Lancaster was invited to prepare an independent report on the reserve forces and how their likely future employment will contribute to defence and wider Government out to 2030.</p><p> </p><p>The RF30 review has yet to be published, but is a welcome and thorough review of reserves’ contribution to the Armed Forces including resilience. The MOD will carefully consider all of the review’s recommendations and report back to Parliament in due course.</p> answering member printed Baroness Goldie question first answered 31/03/2021 14:26:39 answering member 4306 label Biography information for Baroness Goldie
tabling member	3834 label Biography information for Lord West of Spithead

1304991

registered interest
date	23/03/2021
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Financial Services: Education
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, what recent assessment his Department has made of the adequacy of provision of financial education at a primary education level; and if his Department will make an assessment of the potential contribution of Global Money Week to improving that provision.
tabling member constituency	Harrow East
tabling member printed	Bob Blackman
uin	174101
answer	answer is ministerial correction date of answer 31/03/2021 answer text <p>It is important that pupils are well prepared to manage their money, make sound financial decisions and know where to seek further information. The Department has introduced a rigorous mathematics curriculum, which provides pupils with the knowledge and skills to make important financial decisions and has also published statutory and non-statutory programmes of study for mathematics and citizenship that outline what pupils should be taught about financial education from Key Stages one to four.</p><p> </p><p>In 2014, for the first time, financial literacy was made statutory within the National Curriculum as part of the citizenship curriculum for 11 to 16 year olds. To enable schools to plan their whole curriculum, the Department has also published a non-statutory citizenship curriculum for Key Stages one and two, stating that by the end of primary education pupils should be taught how to look after their money and realise that future wants and needs may be met through saving.</p><p> </p><p>In the primary mathematics curriculum, there is a strong emphasis on the arithmetical knowledge that pupils should have. This knowledge is vital, as a strong understanding of numeracy will underpin pupils’ ability to manage budgets and money. There is also some specific content about financial education, including calculations with money.</p><p> </p><p>Primary schools are free to include additional content on financial management in their curricula, including working with external experts, however, the Department does not monitor this and trusts schools to use their professional judgement and understanding of their pupils to develop the right teaching approach for their particular context.</p><p> </p><p>The Department does not plan to make its own assessment of the contribution of Global Money Week to improving the provision of financial education at primary education level but will continue to work closely with the Money and Pensions Service and other stakeholders such as Her Majesty’s Treasury, to consider what can be gained from such initiatives and whether there is scope to provide further support for the teaching of financial education in schools.</p> answering member constituency Bognor Regis and Littlehampton answering member printed Nick Gibb question first answered 31/03/2021 11:50:51 answering member 111 label Biography information for Nick Gibb
tabling member	4005 label Biography information for Bob Blackman