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753955

	registered interest
	date	19/07/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Overseas Loans: Republic of Ireland
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government how much the Republic of Ireland owes the UK relating to the £338 million loan provided following the financial crisis; and what are the arrangements for repayment.
	tabling member printed	Lord Laird
	uin	HL1102
	answer	answer is ministerial correction date of answer 28/07/2017 answer text <p>I refer the noble Lord to the most recent statutory report which the Treasury provided to Parliament as required by Section 2 of the Loans to Ireland Act 2010. The last report was laid in Parliament on 18 April 2017 and is available in the Printed Paper Office.</p><p> </p><p>The timetable for repayment set out in this report remains unchanged.</p> answering member printed Lord Bates question first answered 28/07/2017 12:52:24 answering member 1091 label Biography information for Lord Bates
	tabling member	2479 label Biography information for Lord Laird

753928

	registered interest
	date	19/07/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Pay
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government what assessment they have made of comparative public and private sector pay, including the value of pensions, for the years for which this information is available.
	tabling member printed	Baroness Neville-Rolfe
	uin	HL1074
	answer	answer is ministerial correction date of answer 24/07/2017 answer text <p>Analysis conducted by HM Treasury shows that on average, when including employer pension contributions, there is a premium of about 10%. Details can be found in the table below:</p><p> </p><table><tbody><tr><td><p>Year</p></td><td><p>Total Pay and Employer Pension Contributions – Differential between Public and Private Sector (%)</p></td></tr><tr><td><p>2005</p></td><td><p>8.39</p></td></tr><tr><td><p>2006</p></td><td><p>7.97</p></td></tr><tr><td><p>2007</p></td><td><p>7.54</p></td></tr><tr><td><p>2008</p></td><td><p>8.8</p></td></tr><tr><td><p>2009</p></td><td><p>11.8</p></td></tr><tr><td><p>2010</p></td><td><p>14.73</p></td></tr><tr><td><p>2011</p></td><td><p>12.78</p></td></tr><tr><td><p>2012</p></td><td><p>11.88</p></td></tr><tr><td><p>2013</p></td><td><p>11.65</p></td></tr><tr><td><p>2014</p></td><td><p>9.33</p></td></tr><tr><td><p>2015</p></td><td><p>10.42</p></td></tr><tr><td><p>2016</p></td><td><p>9.12</p></td></tr></tbody></table><p> </p><p><strong>Technical notes to the table:</strong></p><p>This analysis was conducted by HM Treasury based on data from the ONS’s Annual Survey of Hours and Earnings and compares public and private sector earnings when including employer pension contributions.</p><p> </p><p>The differential obtained shows the percentage hourly compensation from working in the public sector above that of the private sector after accounting for differences in composition between the two. To factor in these compositional differences, the analysis accounts for differences in age, gender, job type (full- or part-time, permanent or temporary), occupation category, region, and tenure.</p> answering member printed Lord Bates question first answered 24/07/2017 14:14:14 answering member 1091 label Biography information for Lord Bates
	tabling member	4284 label Biography information for Baroness Neville-Rolfe

753900

	registered interest
	date	19/07/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Halifax Bank of Scotland: Loans
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government whether they have made any representations to the Financial Conduct Authority regarding the timetable for investigating lending by HBOS.
	tabling member printed	Lord Myners
	uin	HL1046
	answer	answer is ministerial correction date of answer 01/08/2017 answer text <p>The Financial Conduct Authority’s (FCA) investigations into lending by HBOS are a matter for the FCA. The independence of the FCA is vital to their role. Their credibility and authority would be undermined if it were possible for the Government to intervene in their decision-making.</p> answering member printed Lord Bates question first answered 01/08/2017 10:58:32 answering member 1091 label Biography information for Lord Bates
	tabling member	3869 label Biography information for Lord Myners

753945

	registered interest
	date	19/07/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Public Sector: Pay
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government whether, following their announcement that the future of public sector pay will be considered as and when pay review bodies report, they will allow those bodies to make independent evidence-based recommendations.
	tabling member printed	Lord MacKenzie of Culkein
	uin	HL1091
	answer	answer is ministerial correction date of answer 01/08/2017 answer text <p>The Government will continue to consider the independent evidence-based recommendations of the Independent Pay Review Bodies, which make their recommendations on the annual pay awards for the relevant public sector workforces after considering the evidence on affordability and workforce pressures including recruitment and retention.</p> answering member printed Lord Bates question first answered 01/08/2017 10:57:50 answering member 1091 label Biography information for Lord Bates
	tabling member	2507 label Biography information for Lord MacKenzie of Culkein

753897

	registered interest
	date	19/07/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Retail Trade: Money
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government whether they intend to prohibit credit card companies from placing pressure on shops to refuse to accept cash payments; and if not, why not.
	tabling member printed	Lord Blencathra
	uin	HL1043
	answer	answer is ministerial correction date of answer 01/08/2017 answer text <p>Cash continues to play a key role in the UK economy, making up around half of all payments. The Government remains committed to widespread free access to cash and consumer choice in payments. The Government would not be able to prohibit credit card companies from placing pressure on shops to refuse to accept cash payments as this is a commercial decision. However, given the continued importance of cash we would not expect credit card companies to do so.</p> answering member printed Lord Bates question first answered 01/08/2017 10:58:57 answering member 1091 label Biography information for Lord Bates
	tabling member	497 label Biography information for Lord Blencathra

753899

	registered interest
	date	19/07/2017
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	RateSetter
	house id	2
	legislature	25277 pref label House of Lords
	question text	Her Majesty's Government whether they intend to take steps to protect those lenders who have made loans through Ratesetter.
	tabling member printed	Lord Myners
	uin	HL1045
	answer	answer is ministerial correction date of answer 01/08/2017 answer text <p>The government has implemented a proportionate, principles based regime for peer-to-peer (P2P) lending that balances the need for consumer protection with allowing the sector to grow and evolve. This requires consumer-facing platforms to be authorised by the Financial Conduct Authority (FCA) and subject to FCA rules.</p><p> </p><p>The FCA are currently undertaking their planned review of the regulatory framework for (P2P) lending, and the government will continue to engage with the FCA and the wider P2P industry as the review continues.</p> answering member printed Lord Bates question first answered 01/08/2017 10:58:14 answering member 1091 label Biography information for Lord Bates
	tabling member	3869 label Biography information for Lord Myners