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1124957
unstar this property registered interest false more like this
star this property date less than 2019-05-07more like thismore than 2019-05-07
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions remove filter
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit 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 Secretary of State for Work and Pensions, what recent assessment she has made of the difficulties faced by universal credit claimants applying for a mortgage; and if she will make a statement. more like this
star this property tabling member constituency East Ham more like this
star this property tabling member printed
Stephen Timms remove filter
unstar this property uin 251193 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 2019-05-13more like thismore than 2019-05-13
unstar this property answer text <p>The Financial Conduct Authority Handbook sets out rules and guidance for lenders. This provides that, prior to entering into a mortgage, a lender must assess whether the customer will be able to pay the sums due and must not enter into the transaction unless it can demonstrate that the mortgage is affordable for the customer (and any guarantor).</p><p> </p><p>It is up to individual lenders to determine how to ensure adherence to this requirement. Each lender is required to publish a written statement setting out the factors it will take into account in assessing a customer's ability to pay. This must, inter alia, address how income and expenditure is to be assessed, including details of the types of income which are acceptable.</p> more like this
star this property answering member constituency Colchester more like this
star this property answering member printed Will Quince more like this
star this property question first answered
less than 2019-05-13T12:55:26.307Zmore like thismore than 2019-05-13T12:55:26.307Z
star this property answering member
4423
unstar this property label Biography information for Will Quince remove filter
star this property tabling member
163
star this property label Biography information for Stephen Timms more like this
1124268
unstar this property registered interest false more like this
star this property date less than 2019-05-01more like thismore than 2019-05-01
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions remove filter
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Social Security Benefits 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 Secretary of State for Work and Pensions, what steps she is taking to promote the use of benefits calculators to help ensure that people claim the benefits to which they are entitled. more like this
star this property tabling member constituency East Ham more like this
star this property tabling member printed
Stephen Timms remove filter
unstar this property uin 249806 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 2019-05-08more like thismore than 2019-05-08
unstar this property answer text <p>The independent benefits calculators we endorse are intended to provide useful estimations of what people can get in certain circumstances, based on what information is entered on the calculators themselves. This is to allow people to safely explore what help they may receive from Universal Credit before they apply, or based on potential changes of circumstances.</p><p> </p><p>Information on accessing independent benefit calculators is readily available via the gov.uk website. This includes links to three independent calculators and advice on the type of information required to complete a calculation.</p><p><a href="https://www.gov.uk/benefits-calculators" target="_blank">https://www.gov.uk/benefits-calculators</a></p><p> </p><p>In addition, DWP staff will signpost post people to independent benefit calculators and websites which provide additional advice and guidance.</p> more like this
star this property answering member constituency Colchester more like this
star this property answering member printed Will Quince more like this
star this property question first answered
less than 2019-05-08T15:40:26.093Zmore like thismore than 2019-05-08T15:40:26.093Z
star this property answering member
4423
unstar this property label Biography information for Will Quince remove filter
star this property tabling member
163
star this property label Biography information for Stephen Timms more like this
1121768
unstar this property registered interest false more like this
star this property date less than 2019-04-18more like thismore than 2019-04-18
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions remove filter
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit 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 Secretary of State for Work and Pensions, whether she has plans to change her Department’s policy on consent requirements for authorised representatives to act on behalf of claimants of universal credit. more like this
star this property tabling member constituency East Ham more like this
star this property tabling member printed
Stephen Timms remove filter
unstar this property uin 245555 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 2019-04-25more like thismore than 2019-04-25
unstar this property answer text <p>We have had a number of workshops with stakeholders during which consent has been discussed, and we plan to do further work on explicit consent. This activity will include working with claimants and their representatives to ensure the process works effectively for vulnerable claimants to access the service.</p> more like this
star this property answering member constituency Colchester more like this
star this property answering member printed Will Quince more like this
star this property question first answered
less than 2019-04-25T10:32:29.88Zmore like thismore than 2019-04-25T10:32:29.88Z
star this property answering member
4423
unstar this property label Biography information for Will Quince remove filter
star this property tabling member
163
star this property label Biography information for Stephen Timms more like this
1110573
unstar this property registered interest false more like this
star this property date less than 2019-04-09more like thismore than 2019-04-09
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions remove filter
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit: Housing 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 Secretary of State for Work and Pensions, what steps she is taking to ensure that universal credit adequately supports social housing tenants paying rent weekly to meet their obligations in relation to the 53 week year. more like this
star this property tabling member constituency East Ham more like this
star this property tabling member printed
Stephen Timms remove filter
unstar this property uin 242667 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 2019-04-15more like thismore than 2019-04-15
unstar this property answer text <p>No year contains 53 weeks. This perceived issue of their being 53 weeks in a year arises where a landlord charges rent weekly on a Monday and, because of the way the calendar falls every 5 or 6 years, seeks 53 rent payments in a year, with the 53rd payment in part covering the tenancy for the first few days of the following year.</p><p>Universal Credit payments are designed to mirror the world of work, with monthly payments reflecting the way many working people are paid. This model of monthly payments allows claimants to take responsibility for budgeting their own income and helps prepare them for getting back to work. The Money and Pension Service can provide debt advice and money guidance to claimants if they need support managing their monthly Universal Credit payments.</p><p>We are aware of a separate issue with respect to the way the calculation in the Universal Credit regulations converts a weekly liability into a monthly allowance. The conversion is achieved by multiplying the weekly rent by 52 and then dividing by 12. This effectively means one day’s rent a year (two days in a leap years) are not covered by UC. We are currently considering whether this formulation around weekly rents, and potentially other weekly amounts in the UC calculation, should be amended.</p>
star this property answering member constituency Colchester more like this
star this property answering member printed Will Quince more like this
star this property question first answered
less than 2019-04-15T14:48:11.82Zmore like thismore than 2019-04-15T14:48:11.82Z
star this property answering member
4423
unstar this property label Biography information for Will Quince remove filter
star this property tabling member
163
star this property label Biography information for Stephen Timms more like this
1109510
unstar this property registered interest false more like this
star this property date less than 2019-04-03more like thismore than 2019-04-03
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions remove filter
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Poverty: Children 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 Secretary of State for Work and Pensions, what assessment her Department has made of the effect of the benefit freeze on child poverty rates. more like this
star this property tabling member constituency East Ham more like this
star this property tabling member printed
Stephen Timms remove filter
unstar this property uin 240462 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 2019-04-08more like thismore than 2019-04-08
unstar this property answer text <p>An Impact Assessment of the benefit freeze was published in 2015. The Welfare Reforms such as the benefit freeze were designed to incentivise parents to choose to move into and progress in work. Evidence shows that work is the best route out of poverty. Children in workless households are five time more likely to be in poverty than those in households where all adults were working.</p> more like this
star this property answering member constituency Colchester more like this
star this property answering member printed Will Quince more like this
star this property question first answered
less than 2019-04-08T10:56:13.853Zmore like thismore than 2019-04-08T10:56:13.853Z
star this property answering member
4423
unstar this property label Biography information for Will Quince remove filter
star this property tabling member
163
star this property label Biography information for Stephen Timms more like this