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31321

	registered interest
	date	07/01/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name
	answering dept sort name
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, what discussions he has had with UKAR regarding the potential effect on customers of a rise in interest rates.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	182195
	answer	answer is ministerial correction date of answer 13/05/2014 answer text <p>This Government's long term economic plan has kept interest rates at record lows for hardworking people across the country.</p><p> </p><p>Many lenders impose affordability stress tests on their mortgage lending decisions to ensure that the mortgage will remain affordable should interest rates rise. The Financial Conduct Authority's Mortgage Market Review rules, which came into force in April this year will require all mortgage lenders to conduct such a stress test.</p><p> </p><p>Although UKAR does not engage in new lending, UKAR runs a range of modelling scenarios to understand the potential effects of interest rate rises on customers. This work helps UKAR to identify customers who may be susceptible to higher interest rates and to engage with such customers at an early stage.</p><p> </p><p>UKAR assists all customers who wish to switch mortgage providers.</p><p> </p><p>NRAM and Bradford and Bingley are managed by UK Asset Resolution Limited (UKAR) which was established in 2010 to manage the disposal and rundown of outstanding assets at Bradford &amp; Bingley and Northern Rock Asset Management in an integrated way, with a view to creating value for the taxpayer. UKAR is managed at arm's length from Government, on commercial principles.</p><p> </p><p>It is therefore not for the Chancellor to discuss detailed commercial matters with UKAR.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 182196 question first answered 13/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

31322

	registered interest
	date	07/01/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name
	answering dept sort name
	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 potential effect of an interest rate rise on customers whose mortgages are held by UKAR; and what support is available to assist such customers to switch providers.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	182196
	answer	answer is ministerial correction date of answer 13/05/2014 answer text <p>This Government's long term economic plan has kept interest rates at record lows for hardworking people across the country.</p><p> </p><p>Many lenders impose affordability stress tests on their mortgage lending decisions to ensure that the mortgage will remain affordable should interest rates rise. The Financial Conduct Authority's Mortgage Market Review rules, which came into force in April this year will require all mortgage lenders to conduct such a stress test.</p><p> </p><p>Although UKAR does not engage in new lending, UKAR runs a range of modelling scenarios to understand the potential effects of interest rate rises on customers. This work helps UKAR to identify customers who may be susceptible to higher interest rates and to engage with such customers at an early stage.</p><p> </p><p>UKAR assists all customers who wish to switch mortgage providers.</p><p> </p><p>NRAM and Bradford and Bingley are managed by UK Asset Resolution Limited (UKAR) which was established in 2010 to manage the disposal and rundown of outstanding assets at Bradford &amp; Bingley and Northern Rock Asset Management in an integrated way, with a view to creating value for the taxpayer. UKAR is managed at arm's length from Government, on commercial principles.</p><p> </p><p>It is therefore not for the Chancellor to discuss detailed commercial matters with UKAR.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom grouped question UIN 182195 question first answered 13/05/2014 12:00:00 answering member 4117 label Biography information for Andrea Leadsom
	tabling member	4011 label Biography information for Cathy Jamieson

170087

	registered interest
	date	12/12/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	NHS: Transatlantic Trade and Investment Partnership
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, what representations he has received from the Scottish Government on a possible exemption for the NHS in Scotland negotiations on the Transatlantic Trade and Investment Partnership.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	218548
	answer	answer is ministerial correction date of answer 17/12/2014 answer text <p>The Transatlantic Trade and Investment partnership (TTIP) and the NHS have been discussed with the Scottish Government at official and Ministerial level.</p><p> </p><p> </p><p> </p><p>Both the European Commission and US negotiators have explicitly ruled out public services from the scope of any market liberalisation in TTIP, and it has therefore not been necessary to discuss any exclusions related to specific public services. The Scottish Government’s ability to determine how publically funded health services in Scotland are provided will not be affected. It will be completely up to the Scottish Government to take decisions on which providers deliver health care services in the best interests of their patients.</p><p> </p><p> </p><p> </p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 17/12/2014 16:18:24 answering member 4070 label Biography information for Matt Hancock
	tabling member	4011 label Biography information for Cathy Jamieson

173872

	registered interest
	date	15/01/2015
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Offshore Industry: Kilmarnock
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, what estimate he has made of the number of jobs in Kilmarnock and Loudoun constituency which are part of the supply chain for the oil and gas industry.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	220863
	answer	answer is ministerial correction date of answer 27/01/2015 answer text <p>We do not hold specific information on the number of oil and gas supply chain jobs in Kilmarnock and Loudon constituency.</p><p> </p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 27/01/2015 14:20:45 answering member 4070 label Biography information for Matt Hancock
	tabling member	4011 label Biography information for Cathy Jamieson

57840

	registered interest
	date	04/06/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	New Businesses: Disability
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, what assistance is available to disabled people who wish to start their own businesses.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	198945
	answer	answer is ministerial correction date of answer 09/06/2014 answer text <p> </p><p>We continue to work hard to provide the right support to make life easier for all people setting up and growing a business, including disabled people.</p><p> </p><p> </p><p> </p><p><a href="http://www.gov.uk/business" target="_blank">www.gov.uk/business</a> is the home for Government services and information online. One of the tools available is the 'Business Finance and Support Finder;' that can provide a customised source of government backed support and finance for business. The website <a href="http://www.greatbusiness.gov.uk/" target="_blank">www.greatbusiness.gov.uk</a> also provides support and advice for anyone trying to grow a business as well as for entrepreneurs starting out.</p><p> </p><p> </p><p> </p><p>In addition to on-line support, the Business Support Helpline (0300 456 3565) is available to provide a quick response on queries about starting a business, or a personalised and in-depth advice service for more complex needs. For those looking for start-up finance and advice there are Start-Up Loans: 19 loans worth a total of £53,855have been drawn down in Kilmarncock and Loudoun to date.</p><p> </p><p> </p><p> </p><p>Finally, the New Enterprise Allowance helps people claiming certain out of work benefits to start up their own business. As of March 2014, 7,420 disabled people (or a total of 40,420) had started a new business with the help of the NEA.</p><p> </p><p> </p><p> </p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 09/06/2014 15:46:52 answering member 4070 label Biography information for Matt Hancock
	tabling member	4011 label Biography information for Cathy Jamieson

165887

	registered interest
	date	25/11/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Flexible Working: Scotland
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, what estimate he has made of the number of (a) women and (b) men in (i) Scotland and (ii) Kilmarnock and Loudoun constituency who have made a statutory application to request flexible working.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	215848
	answer	answer is ministerial correction date of answer 02/12/2014 answer text <p>The latest Work-life Balance Employee Survey which is available on .gov.uk shows that in 2011, 28% of women employees and 17% of male employees in Great Britain, and 17% of employees in Scotland had made a request to change their working arrangements in the last two years. The Survey does not provide the statistics for men and women at the level of Scotland, or at the level of the Kilmarnock and Loudoun constituency.</p><p> </p><p>The survey defines working arrangements as the amount of hours worked, when these hours are worked, and where (e.g. at home).</p><p> </p> answering member constituency East Dunbartonshire answering member printed Jo Swinson question first answered 02/12/2014 17:23:42 answering member 1513 label Biography information for Jo Swinson
	tabling member	4011 label Biography information for Cathy Jamieson

76242

	registered interest
	date	08/07/2014
	answering body	Department for Business, Innovation and Skills
	answering dept id	26
	answering dept short name	Business, Innovation and Skills
	answering dept sort name	Business, Innovation and Skills
	hansard heading	Vetting: Scotland
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Business, Innovation and Skills, what recent discussions he has had with the Scottish Government on the practice of blacklisting in public sector procurement contracts.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	204523
	answer	answer is ministerial correction date of answer 15/07/2014 answer text <p>BIS Ministers have not had any discussions with Scottish Ministers on the practice of blacklisting in public sector procurement contracts. However, my Hon. Friend, the Minister of State for Employment Relations and Consumer Affairs at the time (Jenny Willott), did write to Ian Davidson, Chair of the Scottish Affairs Committee, earlier in the year commenting on their second interim report ‘Blacklisting in Employment: addressing the crimes of the past'.</p> answering member constituency East Dunbartonshire answering member printed Jo Swinson question first answered 15/07/2014 14:32:29 answering member 1513 label Biography information for Jo Swinson
	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

62204

	registered interest
	date	17/06/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Self-employed: Scotland
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many people registered as self employed in (a) Kilmarnock and Loudoun constituency and (b) Scotland reported net income of (i) zero and (ii) below the threshold for national insurance in each of the last four years for which figures are available.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	200630
	answer	answer is ministerial correction date of answer 30/06/2014 answer text <p>Estimates of the numbers of individuals with self employment sources are published in HMRC's National Statistics table 3.10 which is available at the following internet address:</p><p> </p><p><a href="https://www.gov.uk/government/publications/income-of-individuals-with-self-employment-sources-2010-to-2011" target="_blank">https://www.gov.uk/government/publications/income-of-individuals-with-self-employment-sources-2010-to-2011</a></p><p>The numbers of individuals making zero profits and at other income levels is also shown in these tables.</p><p> </p><p>Tables for 2009-10 and earlier years are available from the National Archives internet site at the following address:</p><p> </p><p><a href="http://webarchive.nationalarchives.gov.uk/20121102223513/http:/hmrc.gov.uk/stats/income_distribution/menu-by-year.htm" target="_blank">http://webarchive.nationalarchives.gov.uk/20121102223513/http:/hmrc.gov.uk/stats/income_distribution/menu-by-year.htm</a></p><p> </p><p>Overall, these show a long term trend of growth in the numbers of self-employed people.</p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 200631 200632 200633 question first answered 30/06/2014 14:22:54 answering member 1529 label Biography information for Mr David Gauke
	tabling member	4011 label Biography information for Cathy Jamieson

62205

	registered interest
	date	17/06/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	CaTreasury
	hansard heading	Self-employed: Scotland
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask Mr Chancellor of the Exchequer, how many (a) men and (b) women were registered as self-employed in (i) Kilmarnock and Loudoun constituency and (ii) Scotland in each of the last four years for which figures are available.
	tabling member constituency	Kilmarnock and Loudoun
	tabling member printed	Cathy Jamieson
	uin	200631
	answer	answer is ministerial correction date of answer 30/06/2014 answer text <p>Estimates of the numbers of individuals with self employment sources are published in HMRC's National Statistics table 3.10 which is available at the following internet address:</p><p> </p><p><a href="https://www.gov.uk/government/publications/income-of-individuals-with-self-employment-sources-2010-to-2011" target="_blank">https://www.gov.uk/government/publications/income-of-individuals-with-self-employment-sources-2010-to-2011</a></p><p>The numbers of individuals making zero profits and at other income levels is also shown in these tables.</p><p> </p><p>Tables for 2009-10 and earlier years are available from the National Archives internet site at the following address:</p><p> </p><p><a href="http://webarchive.nationalarchives.gov.uk/20121102223513/http:/hmrc.gov.uk/stats/income_distribution/menu-by-year.htm" target="_blank">http://webarchive.nationalarchives.gov.uk/20121102223513/http:/hmrc.gov.uk/stats/income_distribution/menu-by-year.htm</a></p><p> </p><p>Overall, these show a long term trend of growth in the numbers of self-employed people.</p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke grouped question UIN 200630 200632 200633 question first answered 30/06/2014 14:22:54 answering member 1529 label Biography information for Mr David Gauke
	tabling member	4011 label Biography information for Cathy Jamieson