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31321
star this property registered interest false more like this
star this property date less than 2014-01-07more like thismore than 2014-01-07
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name
star this property answering dept sort name
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 Mr Chancellor of the Exchequer, what discussions he has had with UKAR regarding the potential effect on customers of a rise in interest rates. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 182195 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2014-05-13
star this property 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>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN 182196 more like this
star this property question first answered
less than 2014-05-13T12:00:00.00Zmore like thismore than 2014-05-13T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
31322
star this property registered interest false more like this
star this property date less than 2014-01-07more like thismore than 2014-01-07
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name
star this property answering dept sort name
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 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. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 182196 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer remove maximum value filtermore like thismore than 2014-05-13
star this property 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>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN 182195 more like this
star this property question first answered
less than 2014-05-13T12:00:00.00Zmore like thismore than 2014-05-13T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
44970
star this property registered interest false more like this
star this property date less than 2014-03-25more like thismore than 2014-03-25
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury 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 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. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 193677 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-12more like thismore than 2014-05-12
star this property 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>
star this property answering member constituency South West Hertfordshire more like this
star this property answering member printed Mr David Gauke more like this
star this property question first answered
less than 2014-05-12T12:00:00.00Zmore like thismore than 2014-05-12T12:00:00.00Z
star this property answering member
1529
star this property label Biography information for Mr David Gauke more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49208
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury 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 Mr Chancellor of the Exchequer, what discussions he has had with (a) representatives or organisations offering free debt advice, (b) representatives of fee charging debt management organisations, (c) creditors and (d) the Insolvency Service on the potential effect of his Department's withdrawal from the Debt Management Plan Protocol guidance group. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197276 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197277 more like this
197278 more like this
197279 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49209
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury 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 Mr Chancellor of the Exchequer, for what reason his Department will no longer participate in the Debt Management Plan Protocol guidance group; and if he will make a statement. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197277 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197276 more like this
197278 more like this
197279 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49210
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury 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 Mr Chancellor of the Exchequer, what assessment he has made of the future implementation of the Debt Management Plan Protocol. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197278 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197276 more like this
197277 more like this
197279 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
49211
star this property registered interest false more like this
star this property date less than 2014-04-30more like thismore than 2014-04-30
star this property answering body
HM Treasury more like this
star this property answering dept id 14 more like this
unstar this property answering dept short name Treasury more like this
star this property answering dept sort name CaTreasury 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 Mr Chancellor of the Exchequer, what assessment he has made of the effect of his Department's withdrawal from the Debt Management Plan Protocol guidance group on the development of future non-statutory debt solutions. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 197279 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-05-08more like thismore than 2014-05-08
star this property answer text <p>The Government is committed to improving standards in the debt management industry to deliver a better deal for consumers and greater transparency for creditors. The Debt Management Plan Protocol played a crucial role in meeting this objective, working in complement with the OFT regulatory framework, and paved the way for more robust regulation of the sector by the FCA.</p><p> </p><p>From 1 April, responsibility for regulating debt management firms, along with all other consumer credit firms, transferred from the Office of Fair Trading to the Financial Conduct Authority (FCA).</p><p> </p><p>Consumers will be better protected under the new regime - the FCA will:</p><p>· police the gateway to the market more thoroughly;</p><p>· proactively identify risks to consumers;</p><p>· focus its supervisory resources on areas most likely to cause consumer harm;</p><p>· approve individuals in influential roles in firms;</p><p>· operate a flexible and responsive regime;</p><p>· use its wide enforcement toolkit;</p><p>· and ensure consumers have access to redress.</p><p> </p><p>The FCA will thoroughly assess every debt management firm's fitness to trade as part of the authorisation process – debt management firms will be amongst the first to require authorisation.</p><p> </p><p>The FCA has also introduced new requirements for debt management firms, including:</p><p>· Prudential requirements: Debt management firms often hold consumers' money - the FCA is requiring large debt management firms to hold capital to ensure that consumers don't risk losing their money if things go wrong.</p><p>· Guidance added that debt management firms should not allocate more than half the money received from customers in debt management plans to meeting their fees and charges.</p><p> </p><p>With the new FCA regulatory regime in place which will greatly improve consumer protection in the debt management market, the Government decided following discussions with a range of stakeholders that it was the right time to step away from an active role in the Protocol.</p><p> </p><p>The Government hopes that the stakeholders involved in the Protocol will continue to work together to help the FCA monitor the market and drive best practice in the sector.</p><p> </p>
star this property answering member constituency South Northamptonshire more like this
star this property answering member printed Andrea Leadsom more like this
star this property grouped question UIN
197276 more like this
197277 more like this
197278 more like this
star this property question first answered
less than 2014-05-08T12:00:00.00Zmore like thismore than 2014-05-08T12:00:00.00Z
star this property answering member
4117
star this property label Biography information for Andrea Leadsom more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
43633
star this property registered interest false more like this
star this property date less than 2014-03-18more like thismore than 2014-03-18
star this property answering body
Cabinet Office more like this
star this property answering dept id 53 more like this
unstar this property answering dept short name Cabinet Office more like this
star this property answering dept sort name Cabinet Office 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 Minister for the Cabinet Office, what the total amount was of financial penalties collected in respect of breaches of section 4 of the Statistics of Trade Act 1947 in each of the most recent three years for which figures are available. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 192496 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-03-24more like thismore than 2014-03-24
star this property answer text <p>The information requested falls within the responsibility of the UK Statistics Authority. I have asked the Authority to reply.</p><p> </p> more like this
star this property answering member constituency Ruislip, Northwood and Pinner more like this
star this property answering member printed Mr Nick Hurd more like this
star this property grouped question UIN 192497 more like this
star this property question first answered
less than 2014-03-24T12:00:00.00Zmore like thismore than 2014-03-24T12:00:00.00Z
star this property answering member
1561
star this property label Biography information for Mr Nick Hurd more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
43634
star this property registered interest false more like this
star this property date less than 2014-03-18more like thismore than 2014-03-18
star this property answering body
Cabinet Office more like this
star this property answering dept id 53 more like this
unstar this property answering dept short name Cabinet Office more like this
star this property answering dept sort name Cabinet Office 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 Minister for the Cabinet Office, for what purposes information provided via the UK manufacturers' sales by product (Prodcom) form is used. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 192495 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-03-24more like thismore than 2014-03-24
star this property answer text <p>The information requested falls within the responsibility of the UK Statistics Authority. I have asked the Authority to reply.</p><p> </p> more like this
star this property answering member constituency Ruislip, Northwood and Pinner more like this
star this property answering member printed Mr Nick Hurd more like this
star this property question first answered
less than 2014-03-24T12:00:00.00Zmore like thismore than 2014-03-24T12:00:00.00Z
star this property answering member
1561
star this property label Biography information for Mr Nick Hurd more like this
star this property attachment
1
unstar this property file name PQ 192495.pdf more like this
star this property title Prodcom - ONS Letter for Member more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter
43635
star this property registered interest false more like this
star this property date less than 2014-03-18more like thismore than 2014-03-18
star this property answering body
Cabinet Office more like this
star this property answering dept id 53 more like this
unstar this property answering dept short name Cabinet Office more like this
star this property answering dept sort name Cabinet Office 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 Minister for the Cabinet Office, what assessment he has made of the number of businesses in (a) the UK, (b) Scotland and (c) Kilmarnock and Loudoun constituency who have incurred penalties under section 4 of the Statistics of Trade Act 1947 in each of the last three years for which figures are available. more like this
unstar this property tabling member constituency Kilmarnock and Loudoun more like this
star this property tabling member printed
Cathy Jamieson more like this
star this property uin 192497 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2014-03-24more like thismore than 2014-03-24
star this property answer text <p>The information requested falls within the responsibility of the UK Statistics Authority. I have asked the Authority to reply.</p><p> </p> more like this
star this property answering member constituency Ruislip, Northwood and Pinner more like this
star this property answering member printed Mr Nick Hurd more like this
star this property grouped question UIN 192496 more like this
star this property question first answered
less than 2014-03-24T12:00:00.00Zmore like thismore than 2014-03-24T12:00:00.00Z
star this property answering member
1561
star this property label Biography information for Mr Nick Hurd more like this
star this property tabling member
4011
unstar this property label Biography information for Cathy Jamieson remove filter