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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

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

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

76696

registered interest
date	09/07/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Video Games: Tax Allowances
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent estimate he has made of the number of companies in Scotland which would benefit from video games tax relief.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	204759
answer	answer is ministerial correction date of answer 14/07/2014 answer text <p>As published in the Tax Information and Impact note, it is estimated that there are approximately 300 video games companies in the UK that may benefit from Video Games Tax Relief. No estimate is available for Scotland separately.</p><p> </p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 14/07/2014 16:50:35 answering member 1529 label Biography information for Mr David Gauke
tabling member	4011 label Biography information for Cathy Jamieson

57836

registered interest
date	04/06/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Small Businesses: Crowdfunding
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will commission an assessment of the amount of investment in small and medium-sized enterprises from peer-to-peer lending and crowdfunding platforms.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	198923
answer	answer is ministerial correction date of answer 11/06/2014 answer text <p>Crowdfunding and peer to peer lending are innovative new forms of finance that support competition in the business lending sector. The Government has taken a number of steps to support their growth.</p><p> </p><p>The Government has no current plans to commission an assessment of the amount of investment in small and medium-sized enterprises from peer to peer lending and crowdfunding platforms.</p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 11/06/2014 15:59:28 answering member 4117 label Biography information for Andrea Leadsom
tabling member	4011 label Biography information for Cathy Jamieson

62568

registered interest
date	18/06/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Small Businesses: Crowdfunding
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, pursuant to the Answer of 11 June 2014, Official Report, column 160W, on venture capital, what steps he has taken to support crowdfunding and peer-to-peer (a) lending to and (b) investment in small businesses; and if he will assess the value of such forms of finance to the small and medium-size sector.
tabling member constituency	Kilmarnock and Loudoun
tabling member printed	Cathy Jamieson
uin	201391
answer	answer is ministerial correction date of answer 25/06/2014 answer text <p>Crowdfunding and peer to peer lending are innovative new forms of finance that support competition in the business lending sector.</p><p> </p><p>The Government has taken a number of steps to support their growth, including bringing peer to peer lending within the scope of the Financial Conduct Authority (FCA), and announcing that the range of products that can be held in stocks and shares ISAs will be expanded to include loans made through peer to peer platforms.</p><p> </p><p>The Government also operates two tax-advantaged venture capital schemes which are used by equity crowdfunding investors; the Seed Enterprise Investment Scheme (SEIS) and the Enterprise Investment Scheme (EIS).</p><p> </p><p> </p><p>The Government has not made any assessment of the value of investment in small and medium sized businesses from peer to peer lending and crowdfunding platforms.</p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 25/06/2014 13:54:48 answering member 4117 label Biography information for Andrea Leadsom
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