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386538

registered interest
date	30/06/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Mortgages: Older People
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps his Department is taking to ensure that mortgage holders over the age of 65 are not discriminated against.
tabling member constituency	Bolton North East
tabling member printed	Mr David Crausby
uin	4991
answer	answer is ministerial correction date of answer 06/07/2015 answer text <p>The government is aware of recent reports that some older borrowers have encountered difficulties in getting a mortgage. While some lenders do have age limits in place beyond which they do not lend, this will not be the case for all lenders.</p><p> </p><p> </p><p> </p><p>The Financial Conduct Authority (FCA) is responsible for the rules that protect consumers taking out a mortgage. At the heart of their rules is a requirement that lenders should treat borrowers fairly. Following the introduction of the Mortgage Market Review (MMR) in April last year, the FCA is continuing to review how their rules are being implemented to ensure that they are working as intended. The operation of the MMR and other mortgage lending rules is a matter for the FCA, whose day-to-day operations are independent from government.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 06/07/2015 16:13:15 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	437 label Biography information for Sir David Crausby

383795

registered interest
date	18/06/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Revenue and Customs: Telephone Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will estimate the potential cost to the public purse of converting HM Revenue and Customs helpline numbers to Freephone services.
tabling member constituency	Bolton North East
tabling member printed	Mr David Crausby
uin	3221
answer	answer is ministerial correction date of answer 25/06/2015 answer text <p>No such estimate has been made.</p><p> </p><p> </p><p>In line with government and OFCOM guidance, HM Revenue and Customs (HMRC) has migrated all of its customer-facing 0845 helplines to 03 numbers, resulting in significant savings for its customers.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 25/06/2015 15:07:15 answering member 1529 label Biography information for Mr David Gauke
tabling member	437 label Biography information for Sir David Crausby

381921

registered interest
date	17/06/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Revenue and Customs
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what plans he has to improve the level of (a) telephone and (b) online assistance provided by HM Revenue and Customs.
tabling member constituency	Bolton North East
tabling member printed	Mr David Crausby
uin	2938
answer	answer is ministerial correction date of answer 25/06/2015 answer text <p>HM Revenue and Customs (HMRC) have introduced changes to the way they work.</p><p> </p><p> </p><p> </p><p>They have invested in a new telephone system which has enabled staff from other parts of the department to answer telephone calls at busy times. They have also increasing the number of customers' queries that are answered during the first phone call.</p><p> </p><p> </p><p> </p><p>HMRC are developing their existing online services. For people who cannot use online government services on their own, or need extra support, HMRC will offer a range of services including web-chat support and, if required, one-to-one support.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 25/06/2015 15:01:28 answering member 1529 label Biography information for Mr David Gauke
tabling member	437 label Biography information for Sir David Crausby

381922

registered interest
date	17/06/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Revenue and Customs: Telephone Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what the average waiting time was for customers who dialled the HM Revenue and Customs helpline number for (a) self assessment, (b) tax credits, (c) child benefit, (d) income tax, (e) National Insurance and (f) VAT in each of the last five years.
tabling member constituency	Bolton North East
tabling member printed	Mr David Crausby
uin	2913
answer	answer is ministerial correction date of answer 25/06/2015 answer text <p>Her Majesty’s Revenue and Customs publishes regular performance reports, which are available on: <a href="https://www.gov.uk/government/publications/business-plan-indicators" target="_blank">https://www.gov.uk/government/publications/business-plan-indicators</a></p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 25/06/2015 15:19:21 answering member 1529 label Biography information for Mr David Gauke
tabling member	437 label Biography information for Sir David Crausby

381923

registered interest
date	17/06/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Revenue and Customs: Telephone Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what the average number of calls made to HM Revenue and Customs helpline numbers about a single issue was before that issue was resolved in the last 12 months.
tabling member constituency	Bolton North East
tabling member printed	Mr David Crausby
uin	2914
answer	answer is ministerial correction date of answer 23/06/2015 answer text <table><tbody><tr><td colspan="5">HM Revenue and Customs (HMRC) does not hold this information, and it could only be collected at disproportionate costs.</td><td> </td></tr></tbody></table><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 23/06/2015 16:23:14 answering member 1529 label Biography information for Mr David Gauke
tabling member	437 label Biography information for Sir David Crausby

381924

registered interest
date	17/06/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Welfare Tax Credits: Telephone Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what steps he is taking to reduce the length of time taken to answer calls to tax credit helplines.
tabling member constituency	Bolton North East
tabling member printed	Mr David Crausby
uin	2915
answer	answer is ministerial correction date of answer 23/06/2015 answer text <p>The steps taken to reduce the length of time taken to answer calls to tax credit helplines is set out in the answer to questions number 58, given on 27 May 2015.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 23/06/2015 16:14:01 answering member 1529 label Biography information for Mr David Gauke
tabling member	437 label Biography information for Sir David Crausby

64152

registered interest
date	26/06/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Banks: Pay
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what discussions his Department has had with the (a) Prudential Regulation Authority and (b) Financial Conduct Authority about reports of UK banks paying allowances to employees in order to avoid the EU's bonus cap; and what steps he plans to take to reduce such practices.
tabling member constituency	Bolton North East
tabling member printed	Mr David Crausby
uin	202634
answer	answer is ministerial correction date of answer 03/07/2014 answer text <p>The UK is at the forefront of global efforts to tackle excessive pay in the financial sector and ensure that pay is aligned with performance, with a tough Remuneration Code that requires deferral of at least 60% of bonuses of senior bankers and limits the amounts that can be paid in cash. Bonuses are down significantly since their peak under the last Government, and are now largely deferred and paid in shares.</p><p> </p><p> </p><p>In contrast, the EU's bonus cap is a poorly thought through measure that undermines rather than reinforces our efforts by pushing up fixed pay. It was introduced without any proper impact assessment and has issues around its compatibility with the EU Treaty; for these reasons we are challenging it in the European Court of Justice. However, pending the outcome, the Government is fully implementing the cap in the UK, and the Prudential Regulation Authority is responsible for ensuring that the banks comply with these rules.</p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 03/07/2014 15:39:53 answering member 4117 label Biography information for Andrea Leadsom
tabling member	437 label Biography information for Sir David Crausby

58429

registered interest
date	05/06/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Working Tax Credit: Bolton
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, how much has been paid through working tax credits to people in Bolton North East constituency in each of the last three years.
tabling member constituency	Bolton North East
tabling member printed	Mr David Crausby
uin	199151
answer	answer is ministerial correction date of answer 12/06/2014 answer text <p>Table 1: Bolton North East constituency Working Tax Credit entitlement</p><p> </p><table><tbody><tr><td><p>Tax Year</p></td><td><p>Total WTC entitlement</p></td></tr><tr><td><p>2010-11</p></td><td><p>£19 million</p></td></tr><tr><td><p>2011-12</p></td><td><p>£18 million</p></td></tr><tr><td><p>2012-13</p></td><td><p>£1<del class="ministerial">7</del><ins class="ministerial">6</ins> million</p></td></tr></tbody></table><p> </p><p> </p><p>These figures have been rounded to the nearest £ million.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 12/06/2014 14:42:34 question first ministerially corrected 24/03/2015 12:39:34 answering member 1529 label Biography information for Mr David Gauke previous answer version 939 answering member constituency South West Hertfordshire answering member printed Mr David Gauke answering member 1529 label Biography information for Mr David Gauke
tabling member	437 label Biography information for Sir David Crausby