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1461599

registered interest
date	10/05/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts: Coventry
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent estimate his Department has made of trends in the level of household debt in (a) Coventry North East constituency and (b) Coventry in each of the last two years.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	269
answer	answer is ministerial correction date of answer 16/05/2022 answer text <p>The Government is committed to monitoring and understanding households’ personal finances in order to inform policy making to help people manage their money well, encourage them to save and access appropriate guidance and support if they need help to get their finances back on track. To do so, the Government monitors personal debt levels by working closely with the <a href="https://en.wikipedia.org/wiki/Money_and_Pensions_Service" target="_blank">Money and Pensions Service</a> (MaPS), the Financial Conduct Authority (<a href="https://en.wikipedia.org/wiki/FCA" target="_blank">FCA</a>) and by engaging regularly with many other stakeholders on their research and findings.</p><p> </p><p>The FCA conducts a biennial Financial Lives Survey which provides a comprehensive insight into the finances of the UK population. MaPS monitors financial difficulty through an annual survey of 22,000 people. The results of MaPS’ latest Debt Need Survey were published on 23 February 2022. This includes a regional breakdown of how the need for debt advice changed since 2019 across the UK. The summary of their findings can be found in the link below</p><p> </p><p><a href="https://www.maps.org.uk/2022/02/23/who-needs-debt-advice-in-2022/?msclkid=79e864bcd13511ecbfe47637e6b4cf42" target="_blank">Who needs debt advice in 2022? | The Money and Pensions Service (maps.org.uk)</a></p><p> </p><p>MaPS also intends to publish constituency-level results later this year.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 273 question first answered 16/05/2022 13:31:13 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1461607

registered interest
date	10/05/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent assessment he has made of trends in the regional spread of household debt in each of the last three years.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	273
answer	answer is ministerial correction date of answer 16/05/2022 answer text <p>The Government is committed to monitoring and understanding households’ personal finances in order to inform policy making to help people manage their money well, encourage them to save and access appropriate guidance and support if they need help to get their finances back on track. To do so, the Government monitors personal debt levels by working closely with the <a href="https://en.wikipedia.org/wiki/Money_and_Pensions_Service" target="_blank">Money and Pensions Service</a> (MaPS), the Financial Conduct Authority (<a href="https://en.wikipedia.org/wiki/FCA" target="_blank">FCA</a>) and by engaging regularly with many other stakeholders on their research and findings.</p><p> </p><p>The FCA conducts a biennial Financial Lives Survey which provides a comprehensive insight into the finances of the UK population. MaPS monitors financial difficulty through an annual survey of 22,000 people. The results of MaPS’ latest Debt Need Survey were published on 23 February 2022. This includes a regional breakdown of how the need for debt advice changed since 2019 across the UK. The summary of their findings can be found in the link below</p><p> </p><p><a href="https://www.maps.org.uk/2022/02/23/who-needs-debt-advice-in-2022/?msclkid=79e864bcd13511ecbfe47637e6b4cf42" target="_blank">Who needs debt advice in 2022? | The Money and Pensions Service (maps.org.uk)</a></p><p> </p><p>MaPS also intends to publish constituency-level results later this year.</p> answering member constituency Salisbury answering member printed John Glen grouped question UIN 269 question first answered 16/05/2022 13:31:13 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1452157

registered interest
date	17/03/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cost of Living: Carers
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what fiscal steps he is taking to help support carers on low incomes in (a) Coventry North East constituency, (b) Coventry and (c) the UK meet increases in the costs of living.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	142005
answer	answer is ministerial correction date of answer 22/03/2022 answer text <p>The government understands the pressures that many households are facing with the cost of living and is monitoring the situation closely. These are global challenges, but the government is providing support worth over £20 billion across this financial year and next to help families with the cost of living, much of which will help carers on low incomes. This includes cutting the Universal Credit taper rate and increasing work allowances to make sure work pays, freezing alcohol and fuel duties to keep costs down, and the £9.1 billion package announced in February 2022 to help households with rising energy bills. The government is providing £500m through the Household Support Fund to help those most in need with the cost of essentials such as food, clothing and utilities.</p><p> </p><p>Carers and their vital contribution to society are also recognised within the welfare system. Carers can receive additional support through Carer’s Allowance, the Carer Element in Universal Credit and through Pension Credit. The weekly rate of Carer’s Allowance will increase to £69.70 in April 2022. Around 360,000 carer households on Universal Credit can receive an additional £1,965 a year through the Carer Element, ensuring that extra support is focused on those carers who need it most. This amount will increase from April 2022 and will benefit carers across the country.</p> answering member constituency Middlesbrough South and East Cleveland answering member printed Mr Simon Clarke question first answered 22/03/2022 14:58:25 answering member 4655 label Biography information for Sir Simon Clarke
tabling member	4378 label Biography information for Colleen Fletcher

1441456

registered interest
date	15/03/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Cost of Living: Coventry
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what fiscal steps his Department plans to take to help reduce the impact on households in (a) Coventry North East constituency and (b) Coventry of the rise in the cost of living.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	140459
answer	answer is ministerial correction date of answer 18/03/2022 answer text <p>The Government recognises the challenge that many are facing with the cost of living and is monitoring the situation closely. It is providing support worth over £20 billion across this financial year and next that will help families with the cost of living.</p><p> </p><p>This includes cutting the Universal Credit taper rate and increasing work allowances to make sure work pays, freezing alcohol and fuel duties to keep costs down, and the £9.1 billion package announced in February 2022 to help households with rising energy bills.</p><p> </p><p>The Government’s Plan for Jobs is also helping people into work and giving them the skills they need to progress – the best approach to managing the cost of living in the long term. We are building on the success of the Plan for Jobs, investing more than £6 billion on labour market support over three years. In addition to this, we are increasing the National Living Wage (NLW) by 6.6% to £9.50 in April 2022 for those aged 23 and over, which will mean a full-time worker on the NLW will see an increase in their earnings of over £1,000 a year</p> answering member constituency Middlesbrough South and East Cleveland answering member printed Mr Simon Clarke question first answered 18/03/2022 10:05:49 answering member 4655 label Biography information for Sir Simon Clarke
tabling member	4378 label Biography information for Colleen Fletcher

1441463

registered interest
date	15/03/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Economic Situation: Equality
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what steps his Department is taking to help reduce economic inequality in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	140461
answer	answer is ministerial correction date of answer 18/03/2022 answer text <p>Work is the best route out of poverty and that is why the government is investing more than £6 billion in DWP labour market support over the next three years to help people move into, and progress in, work. This builds on the success of the Plan for Jobs, with over 2 million fewer people expected to be unemployed than previously thought. As a result of the Government’s actions, the unemployment rate (3.9%) is now below the pre-pandemic rate (4.0% in the 3 months to February 2020).</p><p> </p><p>In addition, youth unemployment is now 3.9 percentage points below the peak of the pandemic and 0.8 percentage points below the pre-pandemic rate.</p><p> </p><p>Distributional analysis published at Autumn Budget and Spending Review 2021 shows that in 2024-25, tax, welfare and spending decisions made since Spending Round 2019 will have benefitted the poorest households most, as a percentage of income.</p> answering member constituency Middlesbrough South and East Cleveland answering member printed Mr Simon Clarke question first answered 18/03/2022 14:10:54 answering member 4655 label Biography information for Sir Simon Clarke
tabling member	4378 label Biography information for Colleen Fletcher

1416554

registered interest
date	25/01/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Banks: Closures
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate his Department has made of the number of bank branch closures in (a) Coventry, (b) the West Midlands and (c) England in each of the last five years.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	111605
answer	answer is ministerial correction date of answer 28/01/2022 answer text <p>The Government recognises the continued importance of access to banking. However, decisions on opening and closing branches are a commercial issue for banks and building societies. The Government does not intervene in these decisions or make direct assessments of these branch networks.</p><p /><p>In May 2017, the largest banks and building societies signed up to the Access to Banking Standard which commits them to ensure customers are well informed about branch closures, the bank’s reasons for closure and options for continued access to banking services.</p><p /><p>Guidance from the Financial Conduct Authority also sets out its expectation of firms when they are deciding to reduce their physical branches or the number of free-to-use ATMs. Firms are expected to carefully consider the impact of planned branch closures on their customers’ everyday banking and cash access needs and consider possible alternative access arrangements. This ensures the implementation of closure decisions is undertaken in a way that treats customers fairly.</p><p /><p>Alternative options for access can be via telephone banking, through digital means such as mobile or online banking, and the Post Office. The Post Office Banking Framework allows 95% of business and 99% of personal banking customers to deposit cheques, check their balance and withdraw and deposit cash at 11,500 Post Office branches in the UK.</p> answering member constituency Salisbury answering member printed John Glen question first answered 28/01/2022 10:53:50 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1404828

registered interest
date	20/01/2022
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Bank Services
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what estimate he has made of the number of people in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England who do not have a bank account.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	108535
answer	answer is ministerial correction date of answer 25/01/2022 answer text <p>The Government recognises the continued importance of access to banking.</p><p> </p><p>The Financial Conduct Authority conducts a biennial Financial Lives Survey of 16,000 adults which provides a comprehensive insight into the finances of the UK population. The latest findings from the survey were published in February 2021. They showed that in February 2020 1.2 million adults were considered ‘unbanked’, defined as adults without a current account or an alternative e-money account. The Government does not have data broken down by area.</p><p> </p><p>The Government is also committed to improving access to financial services and recognises that access to a transactional bank account is key to enabling people to manage their money on a day-to-day basis effectively, securely and confidently. The nine largest personal current account providers in the UK are legally required to offer basic bank accounts to customers who do not have a bank account or who are not eligible for a bank’s standard current account.</p> answering member constituency Salisbury answering member printed John Glen question first answered 25/01/2022 12:49:12 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1377911

registered interest
date	12/11/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debts: Coronavirus
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what assessment he has made of the impact of the covid-19 outbreak on the levels of household debt in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	73862
answer	answer is ministerial correction date of answer 19/11/2021 answer text <p>The Government regularly monitors trends in household debt levels in order to inform policy making to help people manage their money well and access support if they need to get their finances back on track. It does so by working closely with the <a href="https://en.wikipedia.org/wiki/Money_and_Pensions_Service" target="_blank">Money and Pensions Service</a> (MaPS), the Financial Conduct Authority (<a href="https://en.wikipedia.org/wiki/FCA" target="_blank">FCA</a>) and engages regularly with a range of other stakeholders on their research and findings.</p><p> </p><p>The FCA conducts a biennial Financial Lives Survey of 16,000 adults which provides a comprehensive insight into the finances of the <a href="https://en.wikipedia.org/wiki/UK" target="_blank">UK</a> population. The latest findings from the survey were published in February 2021 and showed that between March and October 2020, the number of people with low financial resilience increased by 3.5 million, from 10.7 million to 14.2 million.</p><p> </p><p>MaPS monitors financial difficulty through the Debt Need Survey of approximately 22,000 people, with data on regional levels of over-indebtedness last published in 2018. MaPS will publish the results of the 2021 Debt Need Survey early next year, which will include a regional breakdown of their new Need for Debt Advice measure.</p> answering member constituency Salisbury answering member printed John Glen question first answered 19/11/2021 16:00:47 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1356240

registered interest
date	16/09/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Standard of Living: Coventry
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what recent assessment he has made of the effect of his Department's policies on living standards in (a) Coventry North East constituency and (b) Coventry.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	50678
answer	answer is ministerial correction date of answer 21/09/2021 answer text <p>HM Treasury analysis published alongside Budget 2021 has shown that policy interventions in response to COVID-19 have, on average, supported the poorest working households most as a proportion of pre-pandemic income.</p><p> </p><p>Analysis published at Budget 2021 also shows that in 2021-22 (even when excluding spending in response to COVID-19) tax, welfare and spending decisions made since Spending Round 2019 will, on average, benefit all households, with the poorest gaining the most as a percentage of net income.</p><p> </p><p>Tax and welfare policy changes are analysed using HM Treasury’s Intra-Governmental Tax and Benefit Microsimulation model (IGOTM), which is underpinned by data from the ONS’s Living Costs and Food (LCF) survey. The sample size of the LCF is not large enough to provide robust analysis at a local authority or constituency level. Further details can be found here: <a href="https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/966207/DA_Document_Budget_2021.pdf" target="_blank">https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/966207/DA_Document_Budget_2021.pdf</a></p><p> </p><p>However, throughout the pandemic, the Government has sought to protect people’s jobs and livelihoods across the UK, including in the Coventry North East constituency and Coventry. This includes unprecedented measures such as the Coronavirus Job Retention Scheme (CJRS) and the Self-Employment Income Support Scheme (SEISS).</p><p> </p><p>For the latest HMRC statistics on the use of the CJRS, see the table below (from published HMRC figures found at <a href="https://www.gov.uk/government/statistics/coronavirus-job-retention-scheme-statistics-9-september-2021" target="_blank">https://www.gov.uk/government/statistics/coronavirus-job-retention-scheme-statistics-9-september-2021</a>) :</p><p> </p><table><tbody><tr><td><p> </p></td><td><p>Cumulative number of employments furloughed since March 2020 (based on claims made by 16 August 2021)</p></td></tr><tr><td><p>Coventry North East constituency</p></td><td><p>21,200</p></td></tr><tr><td><p>Coventry</p></td><td><p>58,200</p></td></tr></tbody></table><p><br>For the latest HMRC statistics on SEISS, see the table below (from published HMRC figures found at <a href="https://www.gov.uk/government/statistics/self-employment-income-support-scheme-statistics-september-2021" target="_blank">https://www.gov.uk/government/statistics/self-employment-income-support-scheme-statistics-september-2021</a>):</p><p> </p><table><tbody><tr><td><p> </p></td><td><p>Total number of claims made for all SEISS grants by 15 August 2021</p></td><td><p>Total number of individuals who have claimed across all SEISS grants by 15 August 2021</p></td><td><p>Total value of claims made across all SEISS grants by 15 August 2021</p></td></tr><tr><td><p>Coventry North East constituency</p></td><td><p>15,500</p></td><td><p>4,500</p></td><td><p>£37,700,000</p></td></tr><tr><td><p>Coventry</p></td><td><p>39,200</p></td><td><p>11,400</p></td><td><p>£98,300,000</p></td></tr></tbody></table> answering member constituency Salisbury answering member printed John Glen question first answered 21/09/2021 12:53:56 answering member 4051 label Biography information for John Glen
tabling member	4378 label Biography information for Colleen Fletcher

1355790

registered interest
date	15/09/2021
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Small Businesses: Coronavirus
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Chancellor of the Exchequer, what fiscal steps his Department is taking to help small and medium-sized businesses in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England recover from the covid-19 outbreak.
tabling member constituency	Coventry North East
tabling member printed	Colleen Fletcher
uin	50046
answer	answer is ministerial correction date of answer 20/09/2021 answer text <p>Throughout the pandemic, the Government has provided historic levels of support to the economy. This is a total of £352 billion, delivered through job and income support, tax reliefs and deferrals, and cash loans and grants for businesses. However, the Government recognises that it takes time for businesses and the economy to bounce back – this is why many of the pillars of the support package announced at the Spring Budget were set to last well beyond the end of the Roadmap.</p><p> </p><p>Over the course of the pandemic the Government has made up to £25 billion in cash grants available to protect businesses of all sizes in England and the jobs they support. Over £2 billion of discretionary business grant funding has been provided to local authorities via the Additional Restrictions Grant (ARG) fund, including a £425 million top-up announced at the Budget. A significant proportion of this £2 billion is still with local authorities and available to be allocated to businesses, including small and medium sized businesses, in need of support.</p><p> </p><p>Businesses throughout the UK can also benefit from the Recovery Loan Scheme, which runs until the end of the year. This ensures viable businesses continue to have access to Government-backed finance they need throughout 2021.</p><p> </p><p>Businesses of all sizes have been supported through the Coronavirus Job Retention Scheme (CJRS) and Self-Employed Income Support Scheme (SEISS), which have provided a total of £68.5 billion and £27 billion in support respectively to date. The CJRS has supported approximately 21,000 jobs in the Coventry North East constituency since its inception, and the SEISS has had over 15,000 claims in this area.</p><p> </p><p>There is also significant continued relief on business rates and VAT for retail, hospitality and leisure sectors for this financial year. And the commercial rent moratorium has been extended until March 2022.</p><p> </p> answering member constituency Faversham and Mid Kent answering member printed Helen Whately question first answered 20/09/2021 15:01:33 answering member 4527 label Biography information for Helen Whately
tabling member	4378 label Biography information for Colleen Fletcher