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49209

	registered interest
	date	30/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, for what reason his Department will no longer participate in the Debt Management Plan Protocol guidance group; and if he will make a statement.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	197277
	answer	answer is ministerial correction date of answer 08/05/2014 answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 197276 197278 197279 question first answered 08/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

49210

	registered interest
	date	30/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what assessment he has made of the future implementation of the Debt Management Plan Protocol.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	197278
	answer	answer is ministerial correction date of answer 08/05/2014 answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 197276 197277 197279 question first answered 08/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

49211

	registered interest
	date	30/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what assessment he has made of the effect of his Department's withdrawal from the Debt Management Plan Protocol guidance group on the development of future non-statutory debt solutions.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	197279
	answer	answer is ministerial correction date of answer 08/05/2014 answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 197276 197277 197278 question first answered 08/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

44970

	registered interest
	date	25/03/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what estimate he has made of the number of people who have utilised their full tax-free ISA allowance in each of the last three years in (a) the UK, (b) Scotland and (c) each parliamentary constituency.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	193677
	answer	answer is ministerial correction date of answer 12/05/2014 answer text <p>Until 1 July 2014 there are two allowances for ISAs: a cash and an overall allowance. This answer assumes you are asking about the overall allowance.</p><p> </p><p>The following table contains the number of individuals who made full use of their (£10,680) ISA allowance in 2011-12 in the UK and in Scotland.</p><p> </p><table><tbody><tr><td><p>Country</p></td><td><p>Number of individuals (thousands)</p></td></tr><tr><td><p>Scotland</p></td><td><p>73</p></td></tr><tr><td><p>United Kingdom</p></td><td><p>1,005</p></td></tr></tbody></table><p> </p><p>A breakdown for 2012-13 and 2013-14 is not yet available. Constituency-level statistics are not available.</p><p> </p><p>As announced at Budget 2014, from 1 July 2014 the overall annual New ISA subscription limit will be increased to £15,000 and can be used for either cash or stocks and shares investments, or any combination of the two, up to this limit.</p><p> </p><p>This measure will reduce income tax on savings for people constrained by the current limits, improving incentives to save and increasing real household disposable incomes. Over 6 million people are expected to benefit from these increases, including over 5 million adults expected to be constrained by the cash ISA limit.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 12/05/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	4011 label Biography information for Cathy Jamieson

46193

	registered interest
	date	01/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what assessment HM Revenue and Customs has made of the economic benefits that new parking facilities at Dover Priory Railway Station would provide to the local area.
	tabling member constituency	Dover
	tabling member printed	Charlie Elphicke
	uin	194786
	answer	answer is ministerial correction date of answer 08/04/2014 answer text <p>HM Revenue and Customs has made no assessments of the economic benefits that new parking facilities at Dover Priory Railway Station would provide to the local area.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 08/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3971 label Biography information for Charlie Elphicke

46194

	registered interest
	date	01/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what land is owned by HM Revenue and Customs (HMRC); and what land HMRC plans to sell in the next year.
	tabling member constituency	Dover
	tabling member printed	Charlie Elphicke
	uin	194789
	answer	answer is ministerial correction date of answer 28/04/2014 answer text <p>HMRC does not own any land, and does not have any un-encumbered freehold buildings within its estate. The only exceptions to this are that freehold interests in five Grade 1 Listed buildings are owned by HMRC. However, each of these is subject to encumbrances impacting value and market demand. These five are comprised of the following;</p><p> </p><p>· Three historic Custom Houses (London, Greenock &amp; Belfast) each of which is subject to a 175 year lease from 2001 with nil rent receivable. HMRC sold the virtual freehold interest in these properties in 2001</p><p>· Darwin House in Shrewsbury is subject to a 175 year lease from 2001 with nil rent receivable. HMRC also sold the virtual freehold interest in these properties in 2001</p><p>· 100 Parliament Street / 1 Horse Guards Road in London is subject to occupational rights to 2037 for the PFI provider, with nil rent receivable.</p><p>· The 100PS Exchequer Partnership (EP 2) PFI agreement commenced on 19/11/2004 and runs for 33 years. HMT have a separate EP1 agreement for 1HGR.</p><p> </p><p>HMRC does not plan to sell land or buildings in 2014/15.</p><p> </p><p>This position was previously stated and accepted in a response to an enquiry made by the Homes and Community Agency in November 2013 on behalf of Cabinet Office (Government Property Unit) in relation to the Strategic Land and Property Review.</p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 28/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3971 label Biography information for Charlie Elphicke

46722

	registered interest
	date	03/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what assessment HM Revenue and Customs has made of the economic viability of its Customs House landholding adjacent to Dover Priory railway station.
	tabling member constituency	Dover
	tabling member printed	Charlie Elphicke
	uin	195081
	answer	answer is ministerial correction date of answer 09/04/2014 answer text <p>HMRC has made no assessment of the economic viability of the Priory Court Dover landholding adjacent to Dover Priory railway station.</p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 09/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3971 label Biography information for Charlie Elphicke

46723

	registered interest
	date	03/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many meetings HM Revenue and Customs has conducted with Network Rail on the development of new parking facilities at Dover Priory railway station in the last six months.
	tabling member constituency	Dover
	tabling member printed	Charlie Elphicke
	uin	195065
	answer	answer is ministerial correction date of answer 08/04/2014 answer text <p> </p><p>No meetings have taken place between HM Revenue and Customs and Network Rail regarding the development of new parking facilities at Dover Priory railway station in the last six months. However, Network Rail have been in contact with Mapeley as owner/managers of the site.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 08/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3971 label Biography information for Charlie Elphicke

47160

	registered interest
	date	07/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what guidelines exist for the sale of assets and land belonging to HM Revenue and Customs.
	tabling member constituency	Dover
	tabling member printed	Charlie Elphicke
	uin	195490
	answer	answer is ministerial correction date of answer 28/04/2014 answer text <p>The guidelines for the sales of assets and land belonging to HM Revenue and Customs are contained in “Managing Public Money” published by HM Treasury.</p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 28/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3971 label Biography information for Charlie Elphicke

47165

	registered interest
	date	07/04/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, whether HM Revenue and Customs supports in principle the sale of part of the Custom House site adjacent to Dover Priory Railway Station for the development of new parking facilities.
	tabling member constituency	Dover
	tabling member printed	Charlie Elphicke
	uin	195498
	answer	answer is ministerial correction date of answer 10/04/2014 answer text <p>HM TREASURY</p><p> </p><p> </p><p> </p><p>Charlie Elphicke MP</p><p> </p><p><strong>DOVER</strong></p><p> </p><p>To ask Mr Chancellor of the Exchequer, whether HM Revenue and Customs supports in principle the sale of part of the Custom House site adjacent to Dover Priory Railway Station for the development of new parking facilities. 195498</p><p> </p><p>DAVID GAUKE</p><p>HM Revenue and Customs does not own the freehold interest of the Custom House site (also known as Priory Court) adjacent to Dover Priory railway station. HMRC occupies the site as part of the STEPS PFI agreement and will consider any proposals from the freeholder Mapeley that affect our rights of occupation.</p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 10/04/2014 12:00:00 answering member 1529 label Biography information for Mr David Gauke
	tabling member	3971 label Biography information for Charlie Elphicke