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1011267

registered interest
date	20/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Social Security Benefits: Children
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to the statistics they published on 28 June, how many (1) families, and (2) children have been affected by the policy to provide support for a maximum of two children in each month since that policy came into effect.
tabling member printed	The Lord Bishop of Portsmouth
uin	HL11628
answer	answer is ministerial correction date of answer 04/12/2018 answer text <p>For the numbers of children affected by the policy at April 2018, I refer the noble Lord to my response on 25 July 2018 to the Lord Bishop of Durham (HL9479). The next statistical update, covering the position at April 2019, is expected to be released in summer 2019.</p><p> </p><p>Figures for additional months are only available at disproportionate cost.</p> answering member printed Lord Bates question first answered 04/12/2018 17:09:46 answering member 1091 label Biography information for Lord Bates
tabling member	4314 label Biography information for The Lord Bishop of Portsmouth

1011268

registered interest
date	20/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Social Security Benefits: Children
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government, further to the statistics they published on 28 June, whether they have revised their estimates of (1) the number of families affected, and (2) the Exchequer savings from those families in their original impact assessment of the policy to provide support to a maximum of two children, in each year up to 2020–21.
tabling member printed	The Lord Bishop of Portsmouth
uin	HL11629
answer	answer is ministerial correction date of answer 04/12/2018 answer text <p>Statistics regarding the number of families affected by the policy to provide support for a maximum of two children were published on 28 June 2018, and relate to the position at 2 April 2018. Figures showing the number of families affected in April 2019 are expected to be released in summer 2019.</p><p>The latest estimates of the Exchequer savings relating to the policy were published in table 2.2 of the Spring Budget 2017. The relevant figures are shown in the table below.</p><p> </p><p>Estimated Exchequer savings from the policy to provide support for a maximum of two children, Spring Budget 2017 basis</p><p> </p><table><tbody><tr><td><p>£m</p></td><td><p>2017-18</p></td><td><p>2018-19</p></td><td><p>2019-20</p></td><td><p>2020-21</p></td><td><p>2021-22</p></td></tr><tr><td><p>Savings</p></td><td><p>+310</p></td><td><p>+765</p></td><td><p>+1205</p></td><td><p>+1615</p></td><td><p>+1990</p></td></tr></tbody></table><p> </p> answering member printed Lord Bates question first answered 04/12/2018 17:11:28 answering member 1091 label Biography information for Lord Bates
tabling member	4314 label Biography information for The Lord Bishop of Portsmouth

1011269

registered interest
date	20/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Social Security Benefits: Children
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 Bates on 5 February (HL5370), whether they have applied the Family Test to the policy to provide support to a maximum of two children; and if so, how the potential impacts on families are being taken into account.
tabling member printed	The Lord Bishop of Portsmouth
uin	HL11630
answer	answer is ministerial correction date of answer 04/12/2018 answer text <p>The government is committed to supporting families. To achieve this, we introduced the Family Test, which aims to ensure that impacts on family relationships and functioning are recognised early on during the process of policy development and help inform the policy decisions made by Minsters. The Family Test was introduced in 2014, and remains official government policy. The guidance for implementing the Family Test can be found here and is also attached :</p><p><a href="https://www.gov.uk/government/publications/family-test-assessing-the-impact-of-policies-on-families" target="_blank">https://www.gov.uk/government/publications/family-test-assessing-the-impact-of-policies-on-families</a></p><p>The Family Test was considered during the development of the policy to provide support for a maximum of two children in Child Tax Credit and Universal Credit. The published Impact Assessment shows the measure will have a positive impact on overall family stability. The Impact Assessment is attached.</p><p> </p><p> </p><p> </p> answering member printed Lord Bates attachment 1 file name family-test-guidance.pdf title Family test 2 file name ia15-006e.pdf title impact asessment question first answered 04/12/2018 17:09:30 answering member 1091 label Biography information for Lord Bates
tabling member	4314 label Biography information for The Lord Bishop of Portsmouth

1010106

registered interest
date	19/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insolvency
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 announcement in the 2018 Budget of making HMRC a secondary preferential creditor in insolvency on (1) secured creditors, (2) floating charge holders, and (3) unsecured creditors such as pension funds and small businesses.
tabling member printed	Baroness Burt of Solihull
uin	HL11553
answer	answer is ministerial correction date of answer 03/12/2018 answer text <p>The government does not expect this reform to significantly impact access to finance or the cost of borrowing.</p><p>The independent OBR did not make any adjustments to their economic forecast in regard to this measure.</p><p>At Budget 2018, the Government published the following assessment:</p><table><tbody><tr><td><p>Type of Creditor</p></td><td><p>Explanation and Examples</p></td><td><p>Current Average Percentage of Debt Recovered in Insolvency</p></td><td><p>New Average Percentage of Debt Recovered in Insolvency</p></td></tr><tr><td><p><ol><li>Fixed charge secured creditors</li></ol></p></td><td><p>Lenders to whom the business granted security, primarily financial institutions. When a fixed charge is provided, the company loses the right to sell or trade the item. These assets tend to be fundamental to the business; for example, machinery, property or vehicles.</p></td><td><p>36%</p></td><td><p>36% (unchanged)</p></td></tr><tr><td><p><ol start="2"><li>Insolvency practitioners</li></ol></p></td><td><p>Fees for overseeing the process.</p></td><td><p>As charged</p></td><td><p>As charged</p></td></tr><tr><td><p><ol start="3"><li>Preferential Creditors</li></ol></p></td><td><p>Claims by the Redundancy Payment Service (RPS) and Financial Services Compensation Scheme (FSCS) on behalf of employees and customers (to statutory limits); and from 2020, HMRC will be a secondary preferential creditor (below the RPS and FSCS) for Value-Added Tax, Employee National Insurance contributions, Pay-As-You-Earn Income Tax and Construction Industry Scheme Deductions.</p></td><td><p>83%</p></td><td><p>83% (unchanged) for existing preferential creditors; 14% for HMRC</p></td></tr><tr><td><p><ol start="4"><li>Floating charge secured creditors</li></ol></p></td><td><p>Lenders for whom the company is not granted security, primarily financial institutions. This tends t be the case in relation to assets that are not fixed; for example, stocks, raw materials, fixtures and fittings or cash.</p></td><td><p>36%</p></td><td><p>Less than 36%</p></td></tr><tr><td><p><ol start="5"><li>Unsecured creditors</li></ol></p></td><td><p>All remaining creditors, including HMRC debts levied directly on businesses; and debts owed to suppliers, contractors, landlords and customers.</p></td><td><p>4%</p></td><td><p>Less than 4%</p></td></tr><tr><td><p><ol start="6"><li>Shareholder</li></ol></p></td><td><p>Only get paid if all the above creditors are paid in full.</p></td><td><p>N/A</p></td><td><p>N/A</p></td></tr></tbody></table><p><strong> </strong></p><p> </p> answering member printed Lord Bates grouped question UIN HL11554 HL11555 question first answered 03/12/2018 14:50:03 answering member 1091 label Biography information for Lord Bates
tabling member	1567 label Biography information for Baroness Burt of Solihull

1010107

registered interest
date	19/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insolvency
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 on lending to UK businesses of the announcement in the 2018 Budget of making HMRC a secondary preferential creditor in insolvency.
tabling member printed	Baroness Burt of Solihull
uin	HL11554
answer	answer is ministerial correction date of answer 03/12/2018 answer text <p>The government does not expect this reform to significantly impact access to finance or the cost of borrowing.</p><p>The independent OBR did not make any adjustments to their economic forecast in regard to this measure.</p><p>At Budget 2018, the Government published the following assessment:</p><table><tbody><tr><td><p>Type of Creditor</p></td><td><p>Explanation and Examples</p></td><td><p>Current Average Percentage of Debt Recovered in Insolvency</p></td><td><p>New Average Percentage of Debt Recovered in Insolvency</p></td></tr><tr><td><p><ol><li>Fixed charge secured creditors</li></ol></p></td><td><p>Lenders to whom the business granted security, primarily financial institutions. When a fixed charge is provided, the company loses the right to sell or trade the item. These assets tend to be fundamental to the business; for example, machinery, property or vehicles.</p></td><td><p>36%</p></td><td><p>36% (unchanged)</p></td></tr><tr><td><p><ol start="2"><li>Insolvency practitioners</li></ol></p></td><td><p>Fees for overseeing the process.</p></td><td><p>As charged</p></td><td><p>As charged</p></td></tr><tr><td><p><ol start="3"><li>Preferential Creditors</li></ol></p></td><td><p>Claims by the Redundancy Payment Service (RPS) and Financial Services Compensation Scheme (FSCS) on behalf of employees and customers (to statutory limits); and from 2020, HMRC will be a secondary preferential creditor (below the RPS and FSCS) for Value-Added Tax, Employee National Insurance contributions, Pay-As-You-Earn Income Tax and Construction Industry Scheme Deductions.</p></td><td><p>83%</p></td><td><p>83% (unchanged) for existing preferential creditors; 14% for HMRC</p></td></tr><tr><td><p><ol start="4"><li>Floating charge secured creditors</li></ol></p></td><td><p>Lenders for whom the company is not granted security, primarily financial institutions. This tends t be the case in relation to assets that are not fixed; for example, stocks, raw materials, fixtures and fittings or cash.</p></td><td><p>36%</p></td><td><p>Less than 36%</p></td></tr><tr><td><p><ol start="5"><li>Unsecured creditors</li></ol></p></td><td><p>All remaining creditors, including HMRC debts levied directly on businesses; and debts owed to suppliers, contractors, landlords and customers.</p></td><td><p>4%</p></td><td><p>Less than 4%</p></td></tr><tr><td><p><ol start="6"><li>Shareholder</li></ol></p></td><td><p>Only get paid if all the above creditors are paid in full.</p></td><td><p>N/A</p></td><td><p>N/A</p></td></tr></tbody></table><p><strong> </strong></p><p> </p> answering member printed Lord Bates grouped question UIN HL11553 HL11555 question first answered 03/12/2018 14:50:03 answering member 1091 label Biography information for Lord Bates
tabling member	1567 label Biography information for Baroness Burt of Solihull

1010108

registered interest
date	19/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Insolvency
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what economic analysis they used to support the decision in the 2018 Budget to make HMRC a secondary preferential creditor in insolvency.
tabling member printed	Baroness Burt of Solihull
uin	HL11555
answer	answer is ministerial correction date of answer 03/12/2018 answer text <p>The government does not expect this reform to significantly impact access to finance or the cost of borrowing.</p><p>The independent OBR did not make any adjustments to their economic forecast in regard to this measure.</p><p>At Budget 2018, the Government published the following assessment:</p><table><tbody><tr><td><p>Type of Creditor</p></td><td><p>Explanation and Examples</p></td><td><p>Current Average Percentage of Debt Recovered in Insolvency</p></td><td><p>New Average Percentage of Debt Recovered in Insolvency</p></td></tr><tr><td><p><ol><li>Fixed charge secured creditors</li></ol></p></td><td><p>Lenders to whom the business granted security, primarily financial institutions. When a fixed charge is provided, the company loses the right to sell or trade the item. These assets tend to be fundamental to the business; for example, machinery, property or vehicles.</p></td><td><p>36%</p></td><td><p>36% (unchanged)</p></td></tr><tr><td><p><ol start="2"><li>Insolvency practitioners</li></ol></p></td><td><p>Fees for overseeing the process.</p></td><td><p>As charged</p></td><td><p>As charged</p></td></tr><tr><td><p><ol start="3"><li>Preferential Creditors</li></ol></p></td><td><p>Claims by the Redundancy Payment Service (RPS) and Financial Services Compensation Scheme (FSCS) on behalf of employees and customers (to statutory limits); and from 2020, HMRC will be a secondary preferential creditor (below the RPS and FSCS) for Value-Added Tax, Employee National Insurance contributions, Pay-As-You-Earn Income Tax and Construction Industry Scheme Deductions.</p></td><td><p>83%</p></td><td><p>83% (unchanged) for existing preferential creditors; 14% for HMRC</p></td></tr><tr><td><p><ol start="4"><li>Floating charge secured creditors</li></ol></p></td><td><p>Lenders for whom the company is not granted security, primarily financial institutions. This tends t be the case in relation to assets that are not fixed; for example, stocks, raw materials, fixtures and fittings or cash.</p></td><td><p>36%</p></td><td><p>Less than 36%</p></td></tr><tr><td><p><ol start="5"><li>Unsecured creditors</li></ol></p></td><td><p>All remaining creditors, including HMRC debts levied directly on businesses; and debts owed to suppliers, contractors, landlords and customers.</p></td><td><p>4%</p></td><td><p>Less than 4%</p></td></tr><tr><td><p><ol start="6"><li>Shareholder</li></ol></p></td><td><p>Only get paid if all the above creditors are paid in full.</p></td><td><p>N/A</p></td><td><p>N/A</p></td></tr></tbody></table><p><strong> </strong></p><p> </p> answering member printed Lord Bates grouped question UIN HL11553 HL11554 question first answered 03/12/2018 14:50:04 answering member 1091 label Biography information for Lord Bates
tabling member	1567 label Biography information for Baroness Burt of Solihull

1010143

registered interest
date	19/11/2018
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banks: Closures
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what assessment they have made of bank branch closures on the financial well-being of the elderly.
tabling member printed	Lord Taylor of Warwick
uin	HL11590
answer	answer is ministerial correction date of answer 03/12/2018 answer text <p>The Treasury does not make assessments of bank branch closures, including the impact on the financial well-being of the elderly, as this is a commercial matter for banks. However, the Government believes it is important the impact of branch closures on communities is understood, considered and mitigated where possible.</p><p> </p><p>That’s why the Government supports the industry’s Access to Banking Standard which helps customers to understand the options they have locally to continue to access banking services, including specialist assistance for customers who need more help, which may include the elderly.</p><p> </p><p>The Government also considers it important that all customers, wherever they live and especially those who are vulnerable, can still access over the counter banking services. The Post Office’s Banking Framework Agreement enables 99% of banks’ personal customers to carry out their everyday banking at a Post Office counter via its network of 11,500 branches. The Government believes it is essential that more customers are aware of these useful services. This is why we asked UK Finance and the Post Office to create a 5-point action plan to increase publicity of Post Office banking services and ensure more customers can benefit from them.</p> answering member printed Lord Bates question first answered 03/12/2018 14:38:20 answering member 1091 label Biography information for Lord Bates
tabling member	1796 label Biography information for Lord Taylor of Warwick

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