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101713

registered interest
date	30/10/2014
answering body	Cabinet Office
answering dept id	53
answering dept short name	Cabinet Office
answering dept sort name	Cabinet Office
hansard heading	Electoral Register
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what action they now expect from (1) the Cabinet Office, (2) the Electoral Commission, and (3) local Electoral Registration Officers as regards (a) the estimated proportion of those attaining the age of 18 who are registered to vote, and (b) the decline in the match rate of those attaining the age of 18 under the new system of individual electoral registration.
tabling member printed	Lord Roberts of Llandudno
uin	HL2522
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p><strong>Through matching against government records, almost 9 in 10 electors in England and Wales were automatically transferred to the new register. </strong></p><p> </p><p><strong>The Government has funded Electoral Registration Officers (EROs) to write to all electors confirming whether they have matched, and inviting those that did not register under Individual Electoral Registration to do so. Non-responders will receive two written reminders and a visit from a canvasser. </strong></p><p> </p><p><strong>The Electoral Commission’s national awareness campaign includes activity aimed at young people. The Commission has encouraged EROs to work with schools to target attainers as part of their public engagement work. </strong></p><p> </p><p><strong>Online registration makes registering to vote simpler and quicker than ever before for nearly all electors - 530,511 16-24 year olds have applied since 11 July 2014.</strong></p><p> </p> answering member printed Lord Wallace of Saltaire question first answered 17/11/2014 14:31:22 answering member 1816 label Biography information for Lord Wallace of Saltaire
tabling member	3691 label Biography information for Lord Roberts of Llandudno

101718

registered interest
date	30/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Interest Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what is their assessment of the total value of pay day loans extended in the United Kingdom over the last 12 months for which data are available.
tabling member printed	Lord Davies of Stamford
uin	HL2527
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>The Government has made no public assessment of these figures.</p><p> </p><p> </p><p> </p><p>Financial Conduct Authority analysis estimates that in 2013, 1.6 million customers took out 10 million payday loans, with a total value of £2.5bn.</p><p> </p><p> </p><p> </p><p>FCA analysis of payday loans funded in 2013 from a sample of lenders indicates that 56% of these loans were entirely repaid (with no unpaid debt recorded) within 31 days of receipt of funds, and 76% within 365 days.</p><p> </p><p> </p><p> </p><p>Competition and Markets Authority analysis of the prices of payday products shows a range in interest rates and finance charges from £20 to £36 per £100 per month, for 1 month loans. In addition to this some firms charge fees irrespective of loan size of up to £20. Penalty charges of up to £30 are levied on the first day after a payment is missed and, in addition to this some lenders charge over £40 if a customer has not repaid after a longer time period.</p><p> </p><p> </p><p> </p><p>The FCA has now published final rules on its cap on the cost of payday loans. This cap will be in place by 2 January 2015.</p><p> </p> answering member printed Lord Deighton grouped question UIN HL2528 HL2529 question first answered 17/11/2014 14:25:38 answering member 4262 label Biography information for Lord Deighton
tabling member	346 label Biography information for Lord Davies of Stamford

101719

registered interest
date	30/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Interest Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what is their assessment of the proportion of pay day loans extended in the United Kingdom in the last 12 months for which data are available which were entirely repaid within (1) a month, and (2) a year, of receipt of funds by the relevant borrower.
tabling member printed	Lord Davies of Stamford
uin	HL2528
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>The Government has made no public assessment of these figures.</p><p> </p><p> </p><p> </p><p>Financial Conduct Authority analysis estimates that in 2013, 1.6 million customers took out 10 million payday loans, with a total value of £2.5bn.</p><p> </p><p> </p><p> </p><p>FCA analysis of payday loans funded in 2013 from a sample of lenders indicates that 56% of these loans were entirely repaid (with no unpaid debt recorded) within 31 days of receipt of funds, and 76% within 365 days.</p><p> </p><p> </p><p> </p><p>Competition and Markets Authority analysis of the prices of payday products shows a range in interest rates and finance charges from £20 to £36 per £100 per month, for 1 month loans. In addition to this some firms charge fees irrespective of loan size of up to £20. Penalty charges of up to £30 are levied on the first day after a payment is missed and, in addition to this some lenders charge over £40 if a customer has not repaid after a longer time period.</p><p> </p><p> </p><p> </p><p>The FCA has now published final rules on its cap on the cost of payday loans. This cap will be in place by 2 January 2015.</p><p> </p> answering member printed Lord Deighton grouped question UIN HL2527 HL2529 question first answered 17/11/2014 14:25:38 answering member 4262 label Biography information for Lord Deighton
tabling member	346 label Biography information for Lord Davies of Stamford

101720

registered interest
date	30/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Credit: Interest Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what is their assessment of the (1) highest, (2) lowest, and (3) average, cost of (a) interest charges, (b) penalty interest and charges, and (c) other charges, fees and commissions, borne by borrowers of pay day loans, as a percentage of the funds drawn down by those borrowers, over the last 12 months for which data are available.
tabling member printed	Lord Davies of Stamford
uin	HL2529
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>The Government has made no public assessment of these figures.</p><p> </p><p> </p><p> </p><p>Financial Conduct Authority analysis estimates that in 2013, 1.6 million customers took out 10 million payday loans, with a total value of £2.5bn.</p><p> </p><p> </p><p> </p><p>FCA analysis of payday loans funded in 2013 from a sample of lenders indicates that 56% of these loans were entirely repaid (with no unpaid debt recorded) within 31 days of receipt of funds, and 76% within 365 days.</p><p> </p><p> </p><p> </p><p>Competition and Markets Authority analysis of the prices of payday products shows a range in interest rates and finance charges from £20 to £36 per £100 per month, for 1 month loans. In addition to this some firms charge fees irrespective of loan size of up to £20. Penalty charges of up to £30 are levied on the first day after a payment is missed and, in addition to this some lenders charge over £40 if a customer has not repaid after a longer time period.</p><p> </p><p> </p><p> </p><p>The FCA has now published final rules on its cap on the cost of payday loans. This cap will be in place by 2 January 2015.</p><p> </p> answering member printed Lord Deighton grouped question UIN HL2527 HL2528 question first answered 17/11/2014 14:25:38 answering member 4262 label Biography information for Lord Deighton
tabling member	346 label Biography information for Lord Davies of Stamford

101722

registered interest
date	30/10/2014
answering body	Foreign and Commonwealth Office
answering dept id	16
answering dept short name	Foreign and Commonwealth Office
answering dept sort name	Foreign and Commonwealth Office
hansard heading	EU Economic Policy
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government whether they have any plans to re-consider the reply given by the Lord Privy Seal on 27 October to Lord Pearson of Rannoch (HL Deb, col 1010) to the effect that the European Union’s new €300 billion Strategic Agenda for the Union in Times of Change affects only the Eurozone and that the United Kingdom will not have to contribute to it.
tabling member printed	Lord Pearson of Rannoch
uin	HL2531
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>I refer the Noble Lord to the letter of 29 October correcting the reply, placed in the Library of the House by the Lord Privy Seal and Leader of the House of Lords, the right Hon. the Baroness Stowell of Beeston. A copy of the letter is attached for ease of reference.</p> answering member printed Baroness Anelay of St Johns question first answered 17/11/2014 14:43:37 answering member 3474 label Biography information for Baroness Anelay of St Johns attachment 1 file name 20141029 Lord_Pearson.pdf title Letter of 29 Oct placed in Library of House
tabling member	3153 label Biography information for Lord Pearson of Rannoch

101725

registered interest
date	30/10/2014
answering body	Ministry of Defence
answering dept id	11
answering dept short name	Defence
answering dept sort name	Defence
hansard heading	Sierra Leone
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government whether the 750 military personnel sent to Sierra Leone have full life insurance cover.
tabling member printed	Lord Naseby
uin	HL2534
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>It is ultimately a matter for individual Service Personnel whether they choose to purchase personal accident and/or life insurance cover.</p><p> </p><p>However, the Department recognises that we also have a duty of care to ensure that personal accident and life insurance cover is available to those service personnel who consider they require it. The Ministry of Defence therefore has a contract with Aon Ltd for a Personal Accident and Optional Life and Critical Illness Insurance, named PAX. A separate contract for Life insurance, named SLI365, is in place, managed by Willis Ltd and underwritten by Sterling Insurance Group. The cover which these schemes provide is voluntary and separate from the benefits provided by the Government. It is also possible that Service Personnel may have secured accident cover/life insurance through other means.</p><p> </p><p>Separately, the Ministry of Defence provides compensation for personnel injured due to service through the Armed Forces Compensation Scheme.</p> answering member printed Lord Astor of Hever question first answered 17/11/2014 12:43:48 answering member 3428 label Biography information for Lord Astor of Hever
tabling member	1251 label Biography information for Lord Naseby

101726

registered interest
date	30/10/2014
answering body	Department of Health
answering dept id	17
answering dept short name	Health
answering dept sort name	Health
hansard heading	Ebola
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what assessment they have made of the strain of the ebola virus responsible for the recent outbreak, and whether it is a novel mutated strain of the virus.
tabling member printed	Lord Moonie
uin	HL2535
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>The current Ebola outbreak in West Africa is caused by Ebola Virus (EBOV) (formerly Zaire ebolavirus), first discovered in 1976. There is no evidence to suggest that the current strain of EBOV has a higher rate of transmissibility or an unusual level of pathogenicity compared with previous strains.</p><p> </p><p> </p><p> </p><p>The Department continues to work with colleagues across government to monitor and assess the risk posed to the United Kingdom by the current Ebola epidemic. The advice from the Chief Medical Officer is that the public health risk in the UK remains low, but this risk assessment is kept under regular review.</p><p> </p> answering member printed Earl Howe question first answered 17/11/2014 14:27:38 answering member 2000 label Biography information for Earl Howe
tabling member	621 label Biography information for Lord Moonie

101727

registered interest
date	30/10/2014
answering body	Department of Health
answering dept id	17
answering dept short name	Health
answering dept sort name	Health
hansard heading	Ebola
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what assessment they have made of the likelihood of the aerosol transmission of the ebola virus.
tabling member printed	Lord Moonie
uin	HL2536
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>Ebola is spread through body fluid secretions directly and as stated in the Advisory Committee on Dangerous Pathogens guidance, United Kingdom experts agree there is no circumstantial or epidemiological evidence of an aerosol transmission risk.</p><p> </p><p> </p><p> </p><p>The Public Health England document <em>Guidance Ebola: origins, reservoirs, transmission, guidelines</em> clarifies this in more detail:</p><p> </p><p> </p><p> </p><p>https://www.gov.uk/government/publications/ebola-origins-reservoirs-transmission-and-guidelines</p><p> </p> answering member printed Earl Howe question first answered 17/11/2014 14:29:35 answering member 2000 label Biography information for Earl Howe
tabling member	621 label Biography information for Lord Moonie

101728

registered interest
date	30/10/2014
answering body	Department of Health
answering dept id	17
answering dept short name	Health
answering dept sort name	Health
hansard heading	Ebola
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government whether an independent audit has been carried out of the isolation procedures and practical skills of staff in National Health Service hospitals designated to treat any ebola patients.
tabling member printed	Lord Moonie
uin	HL2537
answer	answer is ministerial correction date of answer 17/11/2014 answer text <p>All National Health Service trusts and providers of independent healthcare and adult social care in England are required to comply with <em>The Health and Social Care Act 2008 Code of Practice for health and adult social care on the prevention and control of infections and related guidance </em>(2009). This includes standards around infection control provision. A copy is available at:</p><p> </p><p> </p><p> </p><p>https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/216227/dh_123923.pdf</p><p> </p><p> </p><p> </p><p>The Care Quality Commission takes this code into account when making decisions about the registration of a provider.</p><p> </p><p> </p><p> </p><p>Those NHS trusts that have been designated as having specialist infection control facilities (Royal Free Hospital London, Newcastle Royal Victoria Infirmary, Royal Liverpool and Broadgreen University Hospital and Sheffield Teaching Hospital) are subject to additional checks. In line with the requirements set out under the Health and Safety at Work Act (1974), the designated person from Health and Safety Executive’s Biological Agents Unit Hazardous Installations has visited each of the units and continues to work closely with them.</p><p> </p> answering member printed Earl Howe question first answered 17/11/2014 14:29:02 answering member 2000 label Biography information for Earl Howe
tabling member	621 label Biography information for Lord Moonie

101732

registered interest
date	30/10/2014
answering body	Home Office
answering dept id	1
answering dept short name	Home Office
answering dept sort name	Home Office
hansard heading	Population
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what policies they have to reduce the population size of the United Kingdom.
tabling member printed	Lord Laird
uin	HL2541
answer	answer is ministerial correction date of answer 10/12/2014 answer text <p>We are clear that uncontrolled immigration makes it difficult to maintain social cohesion, puts pressure on public services and can drive down wages for people on low incomes.</p><p>That is why across government we are working hard to bring net migration down and address the factors which draw people to the UK for the wrong reasons. This government has clamped down on nearly 800 bogus colleges, slashed 45,000 visas from the further education route; and cut family visas by nearly a third since it came to power. Our reforms have cut net migration from outside the EU by nearly a quarter since 2010 – close to levels not seen since the late 1990s.</p><p>Our reforms have also made it more difficult for EU migrants to claim benefits in the UK and, through the landmark Immigration Act, made it tougher for illegal immigrants to remain by restricting access to work, housing, benefits, healthcare, bank accounts and driving licences and making it easier to remove those who have no right to be here by reducing the number of appeals.</p><p>On 28 November the Prime Minister made a speech in which he set out a number of measures a future Conservative Government would take to address EU migration to the UK. The measures proposed include a four year residency requirement before an EU national can access in-work benefits or social housing in the UK, the removal of child benefit for non-resident children of EU nationals, and stronger powers to deport EU criminals and tackle abuse.</p><p> </p> answering member printed Lord Bates question first answered 10/12/2014 14:07:17 answering member 1091 label Biography information for Lord Bates
tabling member	2479 label Biography information for Lord Laird