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1007482

registered interest
date	14/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Brexit: Costs
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what estimate they have made of what the cost to the UK Government of leaving the European Union will be in each year until 2039.
tabling member printed	Lord Bassam of Brighton
uin	HL11485
answer	answer is ministerial correction date of answer 28/11/2018 answer text <p>The Government has today laid before Parliament a Written Ministerial Statement entitled “Exiting the European Union – publications” and published cross-Whitehall analysis of the economic and fiscal effects of leaving the EU. The fiscal impacts are available on p. 71-76 of this document, “EU Exit: Long-term economic analysis, November 2018”, which is available on Gov.uk and from the Printed Paper Office.</p> answering member printed Lord Bates question first answered 28/11/2018 17:13:17 answering member 1091 label Biography information for Lord Bates
tabling member	3504 label Biography information for Lord Bassam of Brighton

1007491

registered interest
date	14/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Customs Officers: Northern Ireland
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what they estimate was the cost of training HM Revenue and Customs officers in Northern Ireland in the use of vehicle stop and search powers in each of the last two years.
tabling member printed	Lord Browne of Belmont
uin	HL11493
answer	answer is ministerial correction date of answer 28/11/2018 answer text <p>The cost is nil as no training has been delivered.</p> answering member printed Lord Bates question first answered 28/11/2018 17:14:11 answering member 1091 label Biography information for Lord Bates
tabling member	3801 label Biography information for Lord Browne of Belmont

1007508

registered interest
date	14/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts
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 number of people struggling to manage their debts; what steps they are taking to assist such people; and what assessment they have made of the implications for individuals and families if debts cannot be managed.
tabling member printed	Lord Ouseley
uin	HL11507
answer	answer is ministerial correction date of answer 27/11/2018 answer text <p>Household debt as a proportion of income is down significantly from its pre-crisis peak, from 160% in Q1 2008 to 140% in Q2 2018. However, despite this, the government recognises the importance of preventing people from falling into debt, and supporting individuals if they do.</p><p>To prevent individuals getting into problem debt, the government is putting in measures to improve living standards, and making it easier to access help with financial matters. In particular, the National Living Wage has increased the earnings of the lowest paid full-time workers by over £2000 since 2016, and will rise up a further 4.9% in April 2019 - a £690 rise for a full-time worker.</p><p> </p><p>The government is also setting up a new Single Financial Guidance Body, which will provide people with a single point of contact for help with all financial matters, and have a statutory responsibility to improve the public’s financial capability.</p><p> </p><p>However, the government recognises that, despite this action, some people can fall into problem debt. That is why the government is implementing a breathing space scheme – a sixty day period of protection for people in problem debt, to engage with debt advice and find a sustainable, long-lasting plan to solve their debt problems.</p> answering member printed Lord Bates grouped question UIN HL11508 question first answered 27/11/2018 15:28:31 answering member 1091 label Biography information for Lord Bates
tabling member	2170 label Biography information for Lord Ouseley

1007509

registered interest
date	14/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what plans, if any, they have to provide for the reduction of rent arrears, council tax non-payments, and other debts incurred by individuals who have insufficient income to meet their essential outgoings.
tabling member printed	Lord Ouseley
uin	HL11508
answer	answer is ministerial correction date of answer 27/11/2018 answer text <p>Household debt as a proportion of income is down significantly from its pre-crisis peak, from 160% in Q1 2008 to 140% in Q2 2018. However, despite this, the government recognises the importance of preventing people from falling into debt, and supporting individuals if they do.</p><p>To prevent individuals getting into problem debt, the government is putting in measures to improve living standards, and making it easier to access help with financial matters. In particular, the National Living Wage has increased the earnings of the lowest paid full-time workers by over £2000 since 2016, and will rise up a further 4.9% in April 2019 - a £690 rise for a full-time worker.</p><p> </p><p>The government is also setting up a new Single Financial Guidance Body, which will provide people with a single point of contact for help with all financial matters, and have a statutory responsibility to improve the public’s financial capability.</p><p> </p><p>However, the government recognises that, despite this action, some people can fall into problem debt. That is why the government is implementing a breathing space scheme – a sixty day period of protection for people in problem debt, to engage with debt advice and find a sustainable, long-lasting plan to solve their debt problems.</p> answering member printed Lord Bates grouped question UIN HL11507 question first answered 27/11/2018 15:28:31 answering member 1091 label Biography information for Lord Bates
tabling member	2170 label Biography information for Lord Ouseley

1006690

registered interest
date	13/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Premium Bonds
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what is the total value of unclaimed Premium Bond prizes.
tabling member printed	Lord Lee of Trafford
uin	HL11470
answer	answer is ministerial correction date of answer 27/11/2018 answer text <p>There are currently 337,279 unclaimed Premium Bonds prizes worth £19,553,650.</p><p> </p><p>Premium Bond holders can check if they have any unclaimed prizes on NS&amp;I’s website www.nsandi.com/do-i-have-any-unclaimed-prizes</p> answering member printed Lord Bates question first answered 27/11/2018 15:27:25 answering member 1091 label Biography information for Lord Bates
tabling member	1132 label Biography information for Lord Lee of Trafford

1006691

registered interest
date	13/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Premium Bonds
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government how many bond holders own the maximum quantity of Premium Bonds.
tabling member printed	Lord Lee of Trafford
uin	HL11471
answer	answer is ministerial correction date of answer 27/11/2018 answer text <p>As of 8 November 2018, 517,629 customers hold the maximum £50,000 investment in Premium Bonds.</p> answering member printed Lord Bates question first answered 27/11/2018 15:25:15 answering member 1091 label Biography information for Lord Bates
tabling member	1132 label Biography information for Lord Lee of Trafford

1006692

registered interest
date	13/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Premium Bonds
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what is the age profile of Premium Bond holders.
tabling member printed	Lord Lee of Trafford
uin	HL11472
answer	answer is ministerial correction date of answer 27/11/2018 answer text <p>Premium Bonds have been on sale since 1956 and for several years customers were not required to provide personal information such as their date of birth. This information is now required from Premium Bonds customers. The age profile of Premium Bond holders where it does hold their date of birth is:</p><p> </p><table><tbody><tr><td><p>Age (years)</p></td><td><p>Customers (number)</p></td><td><p>Customers (%)</p></td></tr><tr><td><p> </p></td><td><p>767,730</p></td><td><p>4%</p></td></tr><tr><td><p>16-24</p></td><td><p>650,048</p></td><td><p>3%</p></td></tr><tr><td><p>25-34</p></td><td><p>1,239,173</p></td><td><p>6%</p></td></tr><tr><td><p>35-44</p></td><td><p>1,642,628</p></td><td><p>8%</p></td></tr><tr><td><p>45-54</p></td><td><p>2,392,024</p></td><td><p>11%</p></td></tr><tr><td><p>55-64</p></td><td><p>2,131,474</p></td><td><p>10%</p></td></tr><tr><td><p>65-74</p></td><td><p>1,879,853</p></td><td><p>9%</p></td></tr><tr><td><p>&gt;74</p></td><td><p>1,492,691</p></td><td><p>7%</p></td></tr><tr><td><p>Unknown</p></td><td><p>8,734,883</p></td><td><p>42%</p></td></tr></tbody></table> answering member printed Lord Bates question first answered 27/11/2018 15:25:02 answering member 1091 label Biography information for Lord Bates
tabling member	1132 label Biography information for Lord Lee of Trafford

1005589

registered interest
date	12/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Tenants: Credit Rating
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to ensure that where tenants share the payment of rent, their individual payment histories will be taken into account by (1) credit reference agencies, and (2) credit service providers.
tabling member printed	Lord Bird
uin	HL11360
answer	answer is ministerial correction date of answer 26/11/2018 answer text <p>The Government believes it is right that a history of paying rent should be recognised in credit and affordability assessments carried out by credit reference agencies and credit service providers.</p><p> </p><p>That’s why, at Autumn Budget 2017, we announced the Rent Recognition Challenge: a £2million competition seeking technology solutions to enable tenants to record and share their rental data.</p><p> </p><p>The credit reference agency Experian recently announced that rental payments will now be reflected in their credit score reports, and has partnered with some of the Challenge’s participants, Credit Ladder and Canopy.</p> answering member printed Lord Bates question first answered 26/11/2018 15:56:53 answering member 1091 label Biography information for Lord Bates
tabling member	4564 label Biography information for Lord Bird

1005592

registered interest
date	12/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Electronic Publishing: VAT
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to ensure that the application of VAT to e-publications but not to physical publications does not disadvantage, in terms of price, readers who rely on digital content.
tabling member printed	Baroness Bonham-Carter of Yarnbury
uin	HL11363
answer	answer is ministerial correction date of answer 26/11/2018 answer text <p>The Government keeps all taxes under review, including VAT on e-publications. Policy development also includes consideration of equalities impacts.</p><p> </p><p>HMRC does not hold detailed information about the VAT paid on specific products by government departments or public institutions.</p><p> </p><p>The Government is committed to making the UK the best place to start and grow a digital business and we are taking action to ensure innovative firms can access the skills, investment and infrastructure they need to thrive. Last year, jobs in the digital sector grew at twice the rate of those in the wider economy.</p> answering member printed Lord Bates grouped question UIN HL11364 HL11365 HL11366 HL11367 HL11368 question first answered 26/11/2018 15:51:15 answering member 1091 label Biography information for Lord Bates
tabling member	3699 label Biography information for Baroness Bonham-Carter of Yarnbury

1005593

registered interest
date	12/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Electronic Publishing: VAT
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what steps they are taking to ensure the application of VAT to e-publications but not to physical publications does not discriminate against readers from any social backgrounds.
tabling member printed	Baroness Bonham-Carter of Yarnbury
uin	HL11364
answer	answer is ministerial correction date of answer 26/11/2018 answer text <p>The Government keeps all taxes under review, including VAT on e-publications. Policy development also includes consideration of equalities impacts.</p><p> </p><p>HMRC does not hold detailed information about the VAT paid on specific products by government departments or public institutions.</p><p> </p><p>The Government is committed to making the UK the best place to start and grow a digital business and we are taking action to ensure innovative firms can access the skills, investment and infrastructure they need to thrive. Last year, jobs in the digital sector grew at twice the rate of those in the wider economy.</p> answering member printed Lord Bates grouped question UIN HL11363 HL11365 HL11366 HL11367 HL11368 question first answered 26/11/2018 15:51:15 answering member 1091 label Biography information for Lord Bates
tabling member	3699 label Biography information for Baroness Bonham-Carter of Yarnbury