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1129193
unstar this property registered interest false more like this
star this property date less than 2019-06-03more like thismore than 2019-06-03
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name Treasury more like this
star this property hansard heading Mortgages: Interest Rates more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what recent steps he has taken to enable mortgage customers who were trapped when their mortgages were sold to vulture funds to take advantage of lower interest rates; and if he will launch an inquiry. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 259027 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-06-06more like thismore than 2019-06-06
star this property answer text <p>The Treasury recognises that mortgage prisoners can be in a difficult and sometimes stressful situation. However, the servicer of these mortgages must be regulated by the Financial Conduct Authority (FCA). This means that customers are protected by the FCA’s principle of Treating Customers Fairly; their Mortgage Conduct of Business rules; and customers have recourse to the Financial Ombudsman Service.</p><p> </p><p>The Treasury has also worked closely with the FCA to consider how to remove the regulatory barriers that might prevent some customers from accessing better deals.</p><p> </p><p>The FCA are now consulting on changes that will move the required affordability assessment from an absolute test to a relative one. This will enable lenders to more easily accept switching consumers, providing they are up-to-date with repayments and are not borrowing more.</p><p> </p><p>The FCA consultation closes on 26 June 2019.</p> more like this
star this property answering member constituency Salisbury more like this
star this property answering member printed John Glen more like this
star this property question first answered
less than 2019-06-06T13:14:54.973Zmore like thismore than 2019-06-06T13:14:54.973Z
star this property answering member
4051
unstar this property label Biography information for John Glen more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this
1140851
unstar this property registered interest false more like this
star this property date less than 2019-07-22more like thismore than 2019-07-22
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name Treasury more like this
star this property hansard heading Claims Management Services more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what plans he has to regulate complaints made by claims management companies on behalf of complainants on the same basis as independent and other financial advisors, banks and building societies. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 280141 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-07-25more like thismore than 2019-07-25
star this property answer text <p>The Financial Conduct Authority (FCA) has taken over regulation of claims management companies (CMCs). The FCA rules mean CMCs must meet the same basic standards as other FCA-regulated firms on conduct, as well as additional CMC-specific rules.</p> more like this
star this property answering member constituency Richmond (Yorks) more like this
star this property answering member printed Rishi Sunak more like this
star this property question first answered
less than 2019-07-25T15:34:16.483Zmore like thismore than 2019-07-25T15:34:16.483Z
star this property answering member
4483
unstar this property label Biography information for Rishi Sunak more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this
1140852
unstar this property registered interest false more like this
star this property date less than 2019-07-22more like thismore than 2019-07-22
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name Treasury more like this
star this property hansard heading Funerals: Pre-payment more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, what plans he has to bring pre-payment funeral plans under the regulation of the Financial Conduct Authority in line with other financial products. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 280142 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-07-25more like thismore than 2019-07-25
star this property answer text <p>HM Treasury launched a call for evidence on the regulation of pre-paid funeral plans in June 2018. The call for evidence has confirmed that consumer detriment is present in the pre-paid funeral plan sector and that there is broad demand for the sector to come under compulsory regulation.</p><p> </p><p>Consequently, the government intends to bring the pre-paid funeral plan market within the remit of the Financial Conduct Authority and is currently consulting on the proposed legislative framework to implement this proposal. This will allow the FCA to establish a robust regulatory regime which will apply to all funeral plan providers, and improve protection for consumers.</p> more like this
star this property answering member constituency Richmond (Yorks) more like this
star this property answering member printed Rishi Sunak more like this
star this property question first answered
less than 2019-07-25T15:37:02.917Zmore like thismore than 2019-07-25T15:37:02.917Z
star this property answering member
4483
unstar this property label Biography information for Rishi Sunak more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this
971352
unstar this property registered interest false more like this
star this property date less than 2018-09-10more like thismore than 2018-09-10
star this property answering body
Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name Treasury more like this
star this property hansard heading Tax Avoidance more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Chancellor of the Exchequer, if he will limit disguised remuneration loan charges to loans entered into after the Finance Act 2017 received Royal Assent; and if he will make a statement. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 172456 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2018-09-13more like thismore than 2018-09-13
star this property answer text <p>The charge on disguised remuneration (DR) loans is targeted at artificial tax avoidance schemes where earnings were paid via a third party in the form of ‘loans’ which in reality were never repaid.</p><p> </p><p>DR scheme users took home almost all of their pay tax-free. However, despite the claims made by promoters, these schemes never worked and the amounts paid were always taxable under the law at the time.</p><p> </p><p>The Government has decided that the charge on DR loans is the right way to ensure that everybody pays the taxes they owe and contributes towards the public-funded services from which they benefit.</p><p> </p><p>Restricting the charge only to DR loans entered into after Finance Act 2017 received Royal Assent would not be fair to ordinary taxpayers, who have always paid the right amount of tax and have not engaged in tax avoidance schemes.</p> more like this
star this property answering member constituency Central Devon more like this
star this property answering member printed Mel Stride more like this
star this property question first answered
less than 2018-09-13T15:15:30.963Zmore like thismore than 2018-09-13T15:15:30.963Z
star this property answering member
3935
unstar this property label Biography information for Mel Stride more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this
482983
unstar this property registered interest false more like this
star this property date less than 2016-03-21more like thismore than 2016-03-21
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Public Sector: Redundancy Pay more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, with reference to Principle G of the Cabinet Office Consultation Principles 2016, what steps he took to (a) consider how the summer holiday period would affect consultation with stakeholders and (b) mitigate such effects when deciding on the consultation period on proposals relating to exit payments in the public sector. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 31816 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2016-03-24more like thismore than 2016-03-24
star this property answer text <p>The consultation on a public sector exit payment cap ran from 31 July to 27 August 2015. These dates ensured that the consultation concluded in advance of the Enterprise Bill’s introduction on 16 September 2015, to inform the content of the ‘public sector employment: restrictions on exit payments’ clause.</p><p> </p><p>In addition, this policy was a clear manifesto commitment made in April 2015 and the intention to legislate was announced in May. The Government also considered responses received after the official consultation deadline.</p><p>The consultation received over 4000 responses, which is a good indication that there was sufficient time to comment and demonstrates that stakeholders were able to effectively engage with the proposals. The measure has also undergone full Parliamentary scrutiny during the passage of the Enterprise Bill.</p><p> </p> more like this
star this property answering member constituency Chelsea and Fulham more like this
star this property answering member printed Greg Hands more like this
star this property question first answered
less than 2016-03-24T12:35:10.923Zmore like thismore than 2016-03-24T12:35:10.923Z
star this property answering member
1526
unstar this property label Biography information for Greg Hands more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this
448585
unstar this property registered interest false more like this
star this property date less than 2016-01-28more like thismore than 2016-01-28
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Public Sector: Redundancy Pay more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, which public sector organisations will not be covered by the public sector exit payments cap proposed in the Enterprise Bill. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 24793 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2016-02-02more like thismore than 2016-02-02
star this property answer text <p>The Government consulted on implementing a public sector exit payment cap in July 2015. The Government response to this consultation was published on 16 September 2015. This response provides detail on which organisations and types of payments the Government intends to capture within the scope of the public sector exit payment cap. This accords with the Government’s manifesto commitment to end tax payer funded six figure payoffs for public sector workers.</p><p>The response document can be found at the following link: https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/464367/Public_sector_exit_payments_response.pdf</p><p>The exit payment cap will apply to payments made as a result of an employee leaving their employment. It will <strong>not</strong> affect any pension a person has earned through their years of service or have any impact on accrued pension rights or pension lump sum entitlements on retirement. It will capture contributions, made by the employer, to fund early access to an unreduced or partially reduced pension. This is because such costs are ultimately funded by the tax payer.</p><p>The Government has been clear that early retirements relating to ill health are outside the scope of the cap and will not be affected. Additionally, any payments directed by a Court or Tribunal will not be included in the scope of the cap.</p><p>Exits on compassionate grounds are not such a clearly defined concept as exits related to ill health or redundancy. There will generally be a large degree of employer discretion on the terms of such exits, and on any payments. In these cases there will be discretion available to relax the cap in individual cases, subject to relevant Ministerial or local council approval, as will be set out in further detail in forthcoming Treasury guidance and directions.</p>
star this property answering member constituency Chelsea and Fulham more like this
star this property answering member printed Greg Hands more like this
star this property grouped question UIN 24767 more like this
star this property question first answered
less than 2016-02-02T17:28:20.583Zmore like thismore than 2016-02-02T17:28:20.583Z
star this property answering member
1526
unstar this property label Biography information for Greg Hands more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this
448581
unstar this property registered interest false more like this
star this property date less than 2016-01-28more like thismore than 2016-01-28
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Public Sector: Redundancy Pay more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, whether tribunal awards made to employees will be included when calculating the proposed exit payments cap for those workers. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 24750 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2016-02-03more like thismore than 2016-02-03
star this property answer text <p>The Government consulted on implementing a public sector exit payment cap in July 2015. The Government response to this consultation was published on 16 September 2015. This response provides detail on which organisations and types of payments the Government intends to capture within the scope of the public sector exit payment cap. This accords with the Government’s manifesto commitment to end tax payer funded six figure payoffs for public sector workers.</p><p>The response document can be found at the following link: https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/464367/Public_sector_exit_payments_response.pdf</p><p>The exit payment cap will apply to payments made as a result of an employee leaving their employment. It will <strong>not</strong> affect any pension a person has earned through their years of service or have any impact on accrued pension rights or pension lump sum entitlements on retirement. It will capture contributions, made by the employer, to fund early access to an unreduced or partially reduced pension. This is because such costs are ultimately funded by the tax payer.</p><p>The Government has been clear that early retirements relating to ill health are outside the scope of the cap and will not be affected. Additionally, any payments directed by a Court or Tribunal will not be included in the scope of the cap.</p><p>Exits on compassionate grounds are not such a clearly defined concept as exits related to ill health or redundancy. There will generally be a large degree of employer discretion on the terms of such exits, and on any payments. In these cases there will be discretion available to relax the cap in individual cases, subject to relevant Ministerial or local council approval, as will be set out in further detail in forthcoming Treasury guidance and directions.</p><p> </p>
star this property answering member constituency Chelsea and Fulham more like this
star this property answering member printed Greg Hands more like this
star this property grouped question UIN
24747 more like this
24777 more like this
24789 more like this
24845 more like this
24846 more like this
star this property question first answered
less than 2016-02-03T16:28:02.933Zmore like thismore than 2016-02-03T16:28:02.933Z
star this property answering member
1526
unstar this property label Biography information for Greg Hands more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this
448576
unstar this property registered interest false more like this
star this property date less than 2016-01-28more like thismore than 2016-01-28
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Public Sector: Redundancy Pay more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, whether the Government's proposals to cap public sector exit payments will explicitly exclude those workers who are retiring due to ill-health. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 24767 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2016-02-02more like thismore than 2016-02-02
star this property answer text <p>The Government consulted on implementing a public sector exit payment cap in July 2015. The Government response to this consultation was published on 16 September 2015. This response provides detail on which organisations and types of payments the Government intends to capture within the scope of the public sector exit payment cap. This accords with the Government’s manifesto commitment to end tax payer funded six figure payoffs for public sector workers.</p><p>The response document can be found at the following link: https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/464367/Public_sector_exit_payments_response.pdf</p><p>The exit payment cap will apply to payments made as a result of an employee leaving their employment. It will <strong>not</strong> affect any pension a person has earned through their years of service or have any impact on accrued pension rights or pension lump sum entitlements on retirement. It will capture contributions, made by the employer, to fund early access to an unreduced or partially reduced pension. This is because such costs are ultimately funded by the tax payer.</p><p>The Government has been clear that early retirements relating to ill health are outside the scope of the cap and will not be affected. Additionally, any payments directed by a Court or Tribunal will not be included in the scope of the cap.</p><p>Exits on compassionate grounds are not such a clearly defined concept as exits related to ill health or redundancy. There will generally be a large degree of employer discretion on the terms of such exits, and on any payments. In these cases there will be discretion available to relax the cap in individual cases, subject to relevant Ministerial or local council approval, as will be set out in further detail in forthcoming Treasury guidance and directions.</p>
star this property answering member constituency Chelsea and Fulham more like this
star this property answering member printed Greg Hands more like this
star this property grouped question UIN 24793 more like this
star this property question first answered
less than 2016-02-02T17:28:20.647Zmore like thismore than 2016-02-02T17:28:20.647Z
star this property answering member
1526
unstar this property label Biography information for Greg Hands more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this
448567
unstar this property registered interest false more like this
star this property date less than 2016-01-28more like thismore than 2016-01-28
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Public Sector: Redundancy Pay more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, whether it is his policy that a lump sum paid by a public sector employer to an employee's pension fund to compensate the scheme for having to pay a reduced pension earlier than expected should be used as part of the calculation for the public sector exit payment cap proposed in the Enterprise Bill. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 24777 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2016-02-03more like thismore than 2016-02-03
star this property answer text <p>The Government consulted on implementing a public sector exit payment cap in July 2015. The Government response to this consultation was published on 16 September 2015. This response provides detail on which organisations and types of payments the Government intends to capture within the scope of the public sector exit payment cap. This accords with the Government’s manifesto commitment to end tax payer funded six figure payoffs for public sector workers.</p><p>The response document can be found at the following link: https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/464367/Public_sector_exit_payments_response.pdf</p><p>The exit payment cap will apply to payments made as a result of an employee leaving their employment. It will <strong>not</strong> affect any pension a person has earned through their years of service or have any impact on accrued pension rights or pension lump sum entitlements on retirement. It will capture contributions, made by the employer, to fund early access to an unreduced or partially reduced pension. This is because such costs are ultimately funded by the tax payer.</p><p>The Government has been clear that early retirements relating to ill health are outside the scope of the cap and will not be affected. Additionally, any payments directed by a Court or Tribunal will not be included in the scope of the cap.</p><p>Exits on compassionate grounds are not such a clearly defined concept as exits related to ill health or redundancy. There will generally be a large degree of employer discretion on the terms of such exits, and on any payments. In these cases there will be discretion available to relax the cap in individual cases, subject to relevant Ministerial or local council approval, as will be set out in further detail in forthcoming Treasury guidance and directions.</p><p> </p>
star this property answering member constituency Chelsea and Fulham more like this
star this property answering member printed Greg Hands more like this
star this property grouped question UIN
24747 more like this
24750 more like this
24789 more like this
24845 more like this
24846 more like this
star this property question first answered
less than 2016-02-03T16:28:03.12Zmore like thismore than 2016-02-03T16:28:03.12Z
star this property answering member
1526
unstar this property label Biography information for Greg Hands more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this
448579
unstar this property registered interest false more like this
star this property date less than 2016-01-28more like thismore than 2016-01-28
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
star this property answering dept short name Treasury remove filter
star this property answering dept sort name CaTreasury more like this
star this property hansard heading Public Sector: Redundancy Pay more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask Mr Chancellor of the Exchequer, whether his Department will agree to Legislative Consent Motions to the devolved government on the issue of public sector exit payments. more like this
star this property tabling member constituency Cardiff West remove filter
star this property tabling member printed
Kevin Brennan more like this
unstar this property uin 24748 more like this
star this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2016-02-05more like thismore than 2016-02-05
star this property answer text <p>The public sector exit payment cap will come into effect at a date after the Enterprise Bill has received Royal Assent. The Enterprise Bill is currently expected to receive Royal Assent by May 2016. A set of secondary regulations which will give effect to the public sector exit payment cap are currently expected to come into force during autumn 2016.</p><p> </p><p>In the response to the consultation the Government stated that ‘the government would request Legislative Consent Motions from the Devolved Administrations where appropriate, however it would be for the Devolved Administrations to decide the approach they wish to take to this measure.’</p><p> </p><p>On 7 December 2015 the Northern Ireland Assembly declined to agree a Legislative Consent Motion. Subsequently, no provisions relating to Northern Ireland are included in the clauses relating to exit payments.</p> more like this
star this property answering member constituency Chelsea and Fulham more like this
star this property answering member printed Greg Hands more like this
star this property grouped question UIN
24749 more like this
24844 more like this
star this property question first answered
less than 2016-02-05T14:00:48.617Zmore like thismore than 2016-02-05T14:00:48.617Z
star this property answering member
1526
unstar this property label Biography information for Greg Hands more like this
star this property tabling member
1400
star this property label Biography information for Kevin Brennan more like this