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1302942

	registered interest
	date	16/03/2021
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Young People: Pay
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment he has made of the effect of the covid-19 outbreak on levels of pay amongst 16-24 year olds in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	169873
	answer	answer is ministerial correction date of answer 23/03/2021 answer text Throughout the pandemic, the Government has sought to protect people’s jobs and livelihoods across the UK, including in Coventry North East constituency, Coventry, the West Midlands and England. The Government remains committed to helping hard working individuals earn more whilst levelling up this country.<p> </p>While the data is not published broken down by age and region together, the table below shows growth in median monthly pay for employees in the latest data (January 2021) in comparison to February 2020.<p> </p><table><tbody><tr><td><p> </p></td><td><p>Growth in median monthly pay - <br> January 2021 compared to February 2020</p></td></tr><tr><td><p>UK - all employees</p></td><td><p>3.4%</p></td></tr><tr><td><p>West Midlands - <em>region,</em> (NUTS 1)</p></td><td><p>4.2%</p></td></tr><tr><td><p>West Midlands - <em>county,</em> <br> (NUTS 2)</p></td><td><p>4.7%</p></td></tr><tr><td><p>UK- Under 18s</p></td><td><p>8.46%</p></td></tr><tr><td><p>UK- 18-24 year olds</p></td><td><p>0.37%</p></td></tr></tbody></table>Source: HMRC RTI data – employees only, seasonally adjusted.<p> </p><p> </p>The Government will continue to monitor labour market developments using the latest available data. answering member constituency Salisbury answering member printed John Glen question first answered 23/03/2021 15:12:35 answering member 4051 label Biography information for John Glen
	tabling member	4378 label Biography information for Colleen Fletcher

1466525

	registered interest
	date	26/05/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Inflation: Coventry
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what recent assessment he has made of the impact of inflation on living standards in (a) Coventry North East constituency and (b) Coventry.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	9901
	answer	answer is ministerial correction date of answer 06/06/2022 answer text The Government recognises the challenges of high inflation and its impact on the cost of living across the country and is providing targeted support for the cost of living totalling over £37bn. This includes support for all domestic electricity customers in Great Britain, with £400 off their bills from October through the expansion of the Energy Bills Support Scheme (EBSS). It also includes support for over 8 million households across the UK in receipt of means tested benefits with a one-off Cost of Living Payment of £650, additional one-off payments of £150 to support disabled people with extra costs they face, and one-off payments of £300 to help over eight million pensioner households with the costs of energy. For families that still need additional support; the government is providing an extra £500 million of local support, via the Household Support Fund. answering member constituency Salisbury answering member printed John Glen question first answered 06/06/2022 08:49:47 answering member 4051 label Biography information for John Glen
	tabling member	4378 label Biography information for Colleen Fletcher

1441463

	registered interest
	date	15/03/2022
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Economic Situation: Equality
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what steps his Department is taking to help reduce economic inequality in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	140461
	answer	answer is ministerial correction date of answer 18/03/2022 answer text <p>Work is the best route out of poverty and that is why the government is investing more than £6 billion in DWP labour market support over the next three years to help people move into, and progress in, work. This builds on the success of the Plan for Jobs, with over 2 million fewer people expected to be unemployed than previously thought. As a result of the Government’s actions, the unemployment rate (3.9%) is now below the pre-pandemic rate (4.0% in the 3 months to February 2020).</p><p> </p><p>In addition, youth unemployment is now 3.9 percentage points below the peak of the pandemic and 0.8 percentage points below the pre-pandemic rate.</p><p> </p><p>Distributional analysis published at Autumn Budget and Spending Review 2021 shows that in 2024-25, tax, welfare and spending decisions made since Spending Round 2019 will have benefitted the poorest households most, as a percentage of income.</p> answering member constituency Middlesbrough South and East Cleveland answering member printed Mr Simon Clarke question first answered 18/03/2022 14:10:54 answering member 4655 label Biography information for Sir Simon Clarke
	tabling member	4378 label Biography information for Colleen Fletcher

1665426

	registered interest
	date	17/10/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Bank Services: Closures
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what estimate his Department has made of the number of closures of (a) bank branches and (b) free-to-use ATMs in (i) Coventry North East constituency, (ii) Coventry, (iii) the West Midlands and (iv) England in each of the last three years.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	203000
	answer	answer is ministerial correction date of answer 20/10/2023 answer text <p>While the government does not make direct assessments of branch networks, it believes that all customers, wherever they live, should have appropriate access to banking and cash services.</p><p> </p><p>The government legislated through the Financial Services and Markets Act 2023 to establish a new legislative framework to protect access to cash. This establishes the Financial Conduct Authority (FCA) as the lead regulator for access to cash and provides it with responsibility and powers to seek to ensure reasonable provision of cash withdrawal and deposit facilities across the UK, including free withdrawal and deposit facilities in relation to personal current accounts.</p><p> </p><p>Decisions on opening and closing branches and ATMs are a commercial issue, and the government does not intervene in these. However, under FCA guidance, firms are expected to carefully consider the impact of planned branch closures on the everyday banking and cash access needs of their customers and consider possible alternative access arrangements. This seeks to ensure that the implementation of closure decisions is undertaken in a way that treats customers fairly.</p><p> </p><p>Alternative options for access to banking can be via telephone banking, through digital means such as mobile or online banking, and the Post Office. The Post Office Banking Framework allows 99% of personal banking and 95% of business banking customers to deposit cheques, check their balance and withdraw and deposit cash at 11,500 Post Office branches in the UK.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 20/10/2023 15:17:44 answering member 4874 label Biography information for Andrew Griffith
	tabling member	4378 label Biography information for Colleen Fletcher

1289483

	registered interest
	date	24/02/2021
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Business: Coventry
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what recent assessment he has made of the adequacy of financial support schemes for businesses in (a) Coventry North East constituency and (b) Coventry during the covid-19 outbreak.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	158076
	answer	answer is ministerial correction date of answer 01/03/2021 answer text <p>Throughout this crisis, the government has sought to protect people’s jobs and livelihoods while also supporting businesses and public services across the UK, including in Coventry. To do this, the government has put in place an economic package of support which will provide businesses and individuals with certainty over the coming months, even as measures to prevent further spread of the virus change. The government has spent over £280 billion this year to provide this support. Despite this, we must recognise that it will not be possible to preserve every job or business indefinitely, or stand in the way of the economy adapting and people finding new jobs or starting new businesses.</p><p> </p><p>Businesses in Coventry which are forced to close can claim grants of up to £3,000 per month, based on their rateable value, through the Local Restrictions Support Grant (Closed). They can also claim a one-off grant of up to £9,000, in addition to the monthly grant. Businesses in Coventry which are not able to receive these grants for closed businesses may be able to benefit from the Additional Restrictions Grant (ARG). We recently increased the funding available under this scheme to £1.6 billion across England. It is up to each local authority to determine eligibility for this scheme based on their assessment of local economic need; however, we encourage local authorities to support businesses which have been impacted by COVID-19 restrictions, but which are ineligible for the other grant schemes.</p><p> </p><p>Businesses are also able to access the Coronavirus Job Retention Scheme (CJRS), which was introduced to help employers whose operations have been affected by COVID-19 retain their employees and protect the UK economy. All businesses across the UK can access the scheme, which will run until the end of April 2021, with employees receiving 80% of their usual salary for hours not worked, up to £2,500 per month. As at 31 January, provisional statistics show that there were about 7,300 employments furloughed in the Coventry North East constituency, representing a roughly 12% take up rate among eligible employments.</p><p> </p><p>Businesses across the UK have also received billions in loans, tax deferrals, Business Rates relief, and general and sector-specific grants. Individuals and families have benefited from increased welfare payments, enhanced Statutory Sick Pay, a stay on repossession proceedings and mortgage holidays.</p><p> </p><p>Throughout the pandemic, HM Treasury has recognised the importance of engaging with businesses and their representative organisations. The discussions that have resulted have been of immense value to our efforts to respond effectively, at pace, to these challenges. HM Treasury continues to engage with businesses and business groups on a regular basis in order to better understand the impact the pandemic is having and to develop approaches that deliver the best outcomes for the country.</p> answering member constituency Saffron Walden answering member printed Kemi Badenoch question first answered 01/03/2021 11:53:22 answering member 4597 label Biography information for Kemi Badenoch
	tabling member	4378 label Biography information for Colleen Fletcher

1301374

	registered interest
	date	10/03/2021
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Coronavirus: Coventry
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what fiscal steps he is taking to help provide new employment opportunities to people affected by the covid-19 outbreak in (a) Coventry North East constituency and (b) Coventry.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	166458
	answer	answer is ministerial correction date of answer 15/03/2021 answer text <p>Throughout the pandemic, the Government’s economic priority has been to protect jobs and livelihoods across the UK, including in Coventry North East and Coventry.</p><p> </p><p>Alongside unprecedented support for businesses, we have protected jobs through the Coronavirus Job Retention Scheme (CJRS) and Self-Employment Income Support Scheme (SEISS), which were extended to September 2021 in the Budget. Provisional HMRC statistics indicate that there were 7,300 jobs furloughed in Coventry North East constituency and 20,200 in Coventry as at 31 January 2021. Across the first three SEISS grants, there were a total of 28,100 claims within the Coventry Unitary Authority, totalling over £71 million.</p><p> </p><p>For those who have unfortunately lost their job, the Government’s Plan for Jobs has put in place a comprehensive package of support to help people find work. At the Spending Review 2020 we provided £3.6 billion additional funding in 2021-22 for DWP to deliver employment support to those who need it most. This includes funding for Job Centres Plus to sustain the doubling of the number of work coaches; the £2 billion Kickstart scheme; and the new 3-year long £2.9 billion Restart programme.</p><p> </p><p>To continue to support low income families, at Budget the Government announced a six-month extension to the temporary £20 per week uplift to the Universal Credit (UC) standard allowance. The Government has also announced similar support for eligible Working Tax Credit (WTC) claimants, where we will provide a one-off £500 payment in April.</p><p> </p><p>Taken together, these measures will help to protect jobs, support low income families and help people into new employment opportunities in Coventry and Coventry North East.</p> answering member constituency Salisbury answering member printed John Glen question first answered 15/03/2021 11:24:51 answering member 4051 label Biography information for John Glen
	tabling member	4378 label Biography information for Colleen Fletcher

1355790

	registered interest
	date	15/09/2021
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Small Businesses: Coronavirus
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what fiscal steps his Department is taking to help small and medium-sized businesses in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England recover from the covid-19 outbreak.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	50046
	answer	answer is ministerial correction date of answer 20/09/2021 answer text <p>Throughout the pandemic, the Government has provided historic levels of support to the economy. This is a total of £352 billion, delivered through job and income support, tax reliefs and deferrals, and cash loans and grants for businesses. However, the Government recognises that it takes time for businesses and the economy to bounce back – this is why many of the pillars of the support package announced at the Spring Budget were set to last well beyond the end of the Roadmap.</p><p> </p><p>Over the course of the pandemic the Government has made up to £25 billion in cash grants available to protect businesses of all sizes in England and the jobs they support. Over £2 billion of discretionary business grant funding has been provided to local authorities via the Additional Restrictions Grant (ARG) fund, including a £425 million top-up announced at the Budget. A significant proportion of this £2 billion is still with local authorities and available to be allocated to businesses, including small and medium sized businesses, in need of support.</p><p> </p><p>Businesses throughout the UK can also benefit from the Recovery Loan Scheme, which runs until the end of the year. This ensures viable businesses continue to have access to Government-backed finance they need throughout 2021.</p><p> </p><p>Businesses of all sizes have been supported through the Coronavirus Job Retention Scheme (CJRS) and Self-Employed Income Support Scheme (SEISS), which have provided a total of £68.5 billion and £27 billion in support respectively to date. The CJRS has supported approximately 21,000 jobs in the Coventry North East constituency since its inception, and the SEISS has had over 15,000 claims in this area.</p><p> </p><p>There is also significant continued relief on business rates and VAT for retail, hospitality and leisure sectors for this financial year. And the commercial rent moratorium has been extended until March 2022.</p><p> </p> answering member constituency Faversham and Mid Kent answering member printed Helen Whately question first answered 20/09/2021 15:01:33 answering member 4527 label Biography information for Helen Whately
	tabling member	4378 label Biography information for Colleen Fletcher

1235059

	registered interest
	date	16/09/2020
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	First Time Buyers: Coronavirus
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment he has made of the effect of the covid-19 outbreak on the (a) mortgage rates and (b) range of mortgage products available to first-time buyers.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	91069
	answer	answer is ministerial correction date of answer 21/09/2020 answer text <p>There has been a reduction in the number of products at all loan-to-value (LTV) levels as lenders have focused resources towards their existing customers requiring support. While this has limited the availability of higher LTV lending some products do remain available. There has also been a slight rise in mortgage rates, although they remain competitive by historical standards. Overall mortgage lending is recovering, with the number of mortgage approvals approaching pre-Covid levels.</p><p> </p><p>We continue to work closely with mortgage lenders to understand the current considerations for lending. However, product availability and pricing remain commercial decisions for lenders, which the Government does not seek to intervene in.</p> answering member constituency Salisbury answering member printed John Glen question first answered 21/09/2020 13:53:44 answering member 4051 label Biography information for John Glen
	tabling member	4378 label Biography information for Colleen Fletcher

1612828

	registered interest
	date	20/04/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Bank Services
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, if he will make an assessment of the adequacy of access to (a) cash and (b) banking services in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England; and what steps he is taking to ensure adequate access to (i) cash and (ii) banking services in those areas in the next five years.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	181987
	answer	answer is ministerial correction date of answer 25/04/2023 answer text <p>The way consumers and businesses interact with their banks and make payments is changing, bringing significant benefits to those who choose to opt for the convenience, security, and speed of digital services.</p><p> </p><p>Nonetheless, the government recognises that cash continues to be used by millions of people across the UK, and is currently legislating to protect access to cash as part of the Financial Services and Markets Bill. The Bill will establish the Financial Conduct Authority (FCA) as the lead regulator for access to cash and provide it with appropriate powers to seek to ensure reasonable provision of withdrawal and deposit facilities.</p><p> </p><p>Based on data published by LINK for February 2023, there are 31,873 free-to-use ATMs in England, including 3,431 in the West Midlands and 72</p><p>in the constituency of Coventry, North East. Further information is available at: <a href="https://www.link.co.uk/initiatives/financial-inclusion-monthly-report/" target="_blank">https://www.link.co.uk/initiatives/financial-inclusion-monthly-report/</a></p><p> </p><p>The government also believes that everyone, wherever they live, should have appropriate access to banking services.</p><p> </p><p>Decisions on opening and closing branches, and the provision of in-person services, are a commercial matter for banks and building societies. However, guidance from the FCA sets out its expectation of firms when they are deciding to reduce their physical branches or the number of free-to-use ATMs. The FCA expects firms to put in place alternatives, where this is reasonable, to ensure customer needs are met. Where firms fall short of expectations, the FCA may ask for closures to be paused or other options to be put in place.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 25/04/2023 14:39:44 answering member 4874 label Biography information for Andrew Griffith
	tabling member	4378 label Biography information for Colleen Fletcher

1646671

	registered interest
	date	22/06/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Mortgages: Interest Rates
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment he has made of the impact of rising mortgage interest rates on the levels of household disposable income in (a) Coventry North East constituency, (b) Coventry, (c) the West Midlands and (d) England.
	tabling member constituency	Coventry North East
	tabling member printed	Colleen Fletcher
	uin	190834
	answer	answer is ministerial correction date of answer 27/06/2023 answer text <p>The pricing and availability of mortgages is a commercial decision for lenders in which the Government does not intervene.</p><p> </p><p>However, we recognise this will be a concerning time for all households with a mortgage, particularly those who are due to come to the end of their existing deal in the immediate future. The Prime Minister has been clear, the best and most important way that we can keep costs and interest rates down for people is to halve inflation, and then return it to the 2% target.</p><p> </p><p>On Friday 23 June the Chancellor met with mortgage lenders, UK Finance and the FCA to discuss a new package of support for those who encounter problems keeping up with their mortgage payments. These commitments include an agreement permitting customers to switch to an interest only mortgage, or extend their mortgage term, for 6 months, after which they can switch back without a new affordability check or it affecting their credit score. Lenders also agreed borrowers won’t have their home repossessed within 12 months from their first missed payment without their consent or unless in exceptional circumstances.</p><p> </p><p>If you are concerned about making your mortgage repayment, you must speak to your lender as soon as possible. Contacting them will not affect your credit score</p><p> </p><p>The Government has also already taken a number of measures aimed at helping people to avoid repossession, including Support for Mortgage Interest (SMI) loans for those in receipt of an income-related benefit, and protection in the courts through the Pre-Action Protocol, which makes it clear that repossession must always be the last resort for lenders.</p><p> </p><p>The Government also recognises the challenges facing households due to elevated costs of living, so has taken action at Spring Budget 2023 to go further to protect struggling families. Taken together, support to households to help with higher bills is worth £94 billion, or £3,300 per household on average, across 2022-23 and 2023-24 – one of the largest in Europe. The government’s successful economic strategy will provide further help. The Bank of England forecast that inflation will fall to 5.1% by the end of 2023, before falling close to target by the end of 2024.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith question first answered 27/06/2023 10:32:22 answering member 4874 label Biography information for Andrew Griffith
	tabling member	4378 label Biography information for Colleen Fletcher