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65259

	registered interest
	date	02/07/2014
	answering body	Ministry of Justice
	answering dept id	54
	answering dept short name	Justice
	answering dept sort name	Justice
	hansard heading	Road Traffic Offences: Sentencing
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government when they plan to review the road traffic sentencing framework.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL789
	answer	answer is ministerial correction date of answer 16/07/2014 answer text <p>The Government has, in the Criminal Justice and Courts Bill,proposed that the maximum penalty for causing death by disqualified driving should rise from 2 years to 10 years' imprisonment. We are also creating a new offence of causing serious injury by disqualified driving which will have a 4 year maximum penalty.</p><p> </p><p>When the Government put forward these proposals to deal with the harm caused by disqualified drivers we also recognised that there were a number of other issues around bad driving which were of concern to many people. That is why the Government has announced a review of driving offences and penalties which will be carried out over the coming months.</p><p><strong> </strong></p><p> </p> answering member printed Lord Faulks question first answered 16/07/2014 11:07:04 answering member 4183 label Biography information for Lord Faulks
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

65262

	registered interest
	date	02/07/2014
	answering body	Ministry of Justice
	answering dept id	54
	answering dept short name	Justice
	answering dept sort name	Justice
	hansard heading	Magistrates
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what is their assessment of the diversity of the lay magistracy.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL792
	answer	answer is ministerial correction date of answer 16/07/2014 answer text <p>A more diverse judiciary is important in retaining the public's confidence and trust in justice, and better reflecting the society it serves. The diversity figures for the volunteer magistracy in England and Wales are generally encouraging. At 1 April 2014, women made up just over a half of the magistracy and just under ten percent of magistrates were from Black, Asian and Minority Ethnic backgrounds (compared with fourteen percent of the UK population, as reported by the 2011 Census). In addition to local advisory committees' efforts to target recruitment at under-represented parts of the community, the Magistrates' Association's “Magistrates in the Community” project does much to heighten awareness of the role of magistrate, encouraging young people to consider putting themselves forward for this important civic role. We are currently considering additional ways to promote a more diverse magistracy.</p> answering member printed Lord Faulks question first answered 16/07/2014 16:56:14 answering member 4183 label Biography information for Lord Faulks
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

65849

	registered interest
	date	03/07/2014
	answering body	Ministry of Justice
	answering dept id	54
	answering dept short name	Justice
	answering dept sort name	Justice
	hansard heading	Claims Management Services
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what action are they taking to improve practices in the claims management industry.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL841
	answer	answer is ministerial correction date of answer 14/07/2014 answer text <p>The Claims Management Regulator (CMR) is making a number of reforms to provide better consumer protection, stricter conduct requirements and stronger enforcement action to improve practices in the claims management industry. The CMR will introduce in October a new set of conduct rules to crackdown on poor practices, particularly in relation to financial claims. The new rules will strengthen requirements for CMCs to ensure that claims are properly substantiated and any leads they receive through telemarketing are legally obtained. Subject to parliamentary approval, by the end of this year new legislation will give the CMR the power to fine CMCs for poor conduct. More resources have been deployed to tackle CMC non compliance and the names of CMCs under investigation or subject to recent enforcement action are now published on the GOV.UK website at: <a href="https://www.gov.uk/government/publications/claims-management-regulator-enforcement-actions" target="_blank">www.gov.uk/government/publications/claims-management-regulator-enforcement-actions</a>. Reforms have also been made to the internal governance of the CMR. Two non executive members have been appointed to the executive-led CMR Board to help bring a greater element of independent challenge and continuous improvement.</p> answering member printed Lord Faulks question first answered 14/07/2014 16:39:01 answering member 4183 label Biography information for Lord Faulks
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

79844

	registered interest
	date	30/07/2014
	answering body	Ministry of Justice
	answering dept id	54
	answering dept short name	Justice
	answering dept sort name	Justice
	hansard heading	Claims Management Services
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what assessment they have made of the application of the Conduct of Authorised Persons Rules 2013.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL1733
	answer	answer is ministerial correction date of answer 01/09/2014 answer text <p>The application of the Conduct of Authorised Persons Rules (“Rules”) is under continuous review. The Rules were first introduced in 2007 and revised between April and July 2013 to strengthen existing action to drive out poor practices and better protect consumers. Most crucially verbal contracts were brought to an end and a ban was imposed on claims management companies (“CMCs”) offering cash incentives or similar benefits to consumers to bring claims.</p><p> </p><p>This year, in response to concerns raised by the financial services industry, the Financial Conduct Authority and the Financial Ombudsman Service regarding the poor practices of some CMCs presenting financial claims, the Department's Claims Management Regulator consulted on changes to the Conduct of Authorised Persons Rules 2013 and published the response in June 2014. The new Rules will come into effect in October 2014.</p><p> </p> answering member printed Lord Faulks question first answered 01/09/2014 13:37:52 answering member 4183 label Biography information for Lord Faulks
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

79845

	registered interest
	date	30/07/2014
	answering body	Ministry of Justice
	answering dept id	54
	answering dept short name	Justice
	answering dept sort name	Justice
	hansard heading	Claims Management Services
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government how many claims management companies were struck off in each year since 2005.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL1734
	answer	answer is ministerial correction date of answer 13/10/2014 answer text <p>The Department’s Claims Management Regulation Unit has taken a range of enforcement actions against claims management companies (CMCs) that have breached the conduct rules to which they are subject. These include statutory action to cancel a CMC’s authorisation. The table below shows the number of CMCs that have had their authorisation cancelled each year since 2007, alongside the number of CMCs that were authorised.</p><p> </p><table><tbody><tr><td><p><strong>Year</strong></p></td><td><p><strong>Total no. of authorised CMCs </strong></p><p>(at year end)</p></td><td><p><strong>Authorisation cancelled</strong></p></td></tr><tr><td><p>2007-08</p></td><td><p>1,740</p></td><td><p>1</p></td></tr><tr><td><p>2008-09</p></td><td><p>2,637</p></td><td><p>93</p></td></tr><tr><td><p>2009-10</p></td><td><p>3,122</p></td><td><p>35</p></td></tr><tr><td><p>2010-11</p></td><td><p>3,213</p></td><td><p>349</p></td></tr><tr><td><p>2011-12</p></td><td><p>3,007</p></td><td><p>260</p></td></tr><tr><td><p>2012-13</p></td><td><p>2,693</p></td><td><p>211</p></td></tr><tr><td><p>2013-14</p></td><td><p>2,097</p></td><td><p>198</p></td></tr></tbody></table> answering member printed Lord Faulks question first answered 13/10/2014 15:22:47 answering member 4183 label Biography information for Lord Faulks
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

65847

	registered interest
	date	03/07/2014
	answering body	Ministry of Defence
	answering dept id	11
	answering dept short name	Defence
	answering dept sort name	Defence
	hansard heading	Armed Forces: Credit Unions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what progress they are making in establishing a Military Credit Union.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL839
	answer	answer is ministerial correction date of answer 16/07/2014 answer text <p> </p><p>My noble Friend may be aware of the debate in the House of Commons on 8 April 2014 (Official Report, olumn 26WH-44WH) during which my hon. Friend Phillip Dunne announced that the Minister for Defence Personnel, Welfare and Veterans (Anna Soubry) would meet Gareth Thomas MP, the Association of British Credit Unions Ltd, and others to discuss this issue.<br><br>Arrangements for such a meeting have now been agreed and the Minister is due to meet with interested parties later this month. I will report back to the House in due course.</p> answering member printed Lord Astor of Hever question first answered 16/07/2014 15:51:50 answering member 3428 label Biography information for Lord Astor of Hever attachment 1 file name 8 April 2014 Hansard Extract Military Credit Union.doc title Hansard Extract 8 April 2014 Military Credit Union
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

65263

	registered interest
	date	02/07/2014
	answering body	Home Office
	answering dept id	1
	answering dept short name	Home Office
	answering dept sort name	Home Office
	hansard heading	Police Cautions
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government how many times cautions have been used for indictable-only offences in England and Wales since 2010.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL793
	answer	answer is ministerial correction date of answer 11/07/2014 answer text <p> </p><p> </p><p> </p><p>The Home Office does not hold data specifically on indictable-only offences. <br><br>The Home Office holds data on the number of cautions for notifiable offences, but this cannot be broken down to the level of detail required to provide data on indictable offences.</p><p> </p><p> </p><p> </p> answering member printed Lord Taylor of Holbeach question first answered 11/07/2014 13:38:27 answering member 3787 label Biography information for Lord Taylor of Holbeach
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

101696

	registered interest
	date	29/10/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Bank Services: Fees and Charges
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what assessment have they made of the level of unauthorised overdraft fees charged by banks in the United Kingdom.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL2518
	answer	answer is ministerial correction date of answer 05/11/2014 answer text <p>The Government has not made an assessment of the level of unauthorised overdraft fees charged by banks in the United Kingdom.</p><p> </p><p> </p><p> </p><p>In November 2011, the Government announced an agreement with the major current account providers to enable customers to control their account and to take action to avoid unarranged overdraft charges.</p><p> </p><p> </p><p> </p><p>The Office of Fair Trading found in January 2013 that there had been a significant reduction in bank fees and charges since their 2008 market study, and estimated that there had been an annual saving of £928million for consumers as a result.</p><p> </p> answering member printed Lord Deighton question first answered 05/11/2014 14:01:50 answering member 4262 label Biography information for Lord Deighton
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

101697

	registered interest
	date	29/10/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Cash Dispensing
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what assessment have they made of the availability in poorer communities of automatic teller machines which do not charge customers for withdrawing money.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL2519
	answer	answer is ministerial correction date of answer 10/11/2014 answer text <p>The assessment made by the Government is that 95 per cent of communities in deprived areas now have free-to-use ATMs within their area or less than two thirds of a mile from the area's centre, which has brought access to free-to-use ATMs to over 1.5 million people.</p><p> </p><p> </p><p> </p><p><a href="http://en.wikipedia.org/wiki/LINK" target="_blank">LINK</a> has established a Financial Inclusion Programme to provide free-to-use ATMs where they are needed, by installing ATMs that are subsidised to make their operation commercially viable for operators. The cost of this subsidy is shared out among LINK member banks. 1,400 target areas now have access to an industry subsidised ATM through the programme. <a href="http://en.wikipedia.org/wiki/Toynbee_Hall" target="_blank">Toynbee Hall</a> is due to complete research on this issue shortly, commissioned by LINK.</p><p> </p> answering member printed Lord Deighton question first answered 10/11/2014 17:59:11 answering member 4262 label Biography information for Lord Deighton
	tabling member	4153 label Biography information for Lord Kennedy of Southwark

101698

	registered interest
	date	29/10/2014
	answering body	HM Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Insurance
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty’s Government what assessment have they made of the fees and charges levied by the insurance industry.
	tabling member printed	Lord Kennedy of Southwark
	uin	HL2520
	answer	answer is ministerial correction date of answer 10/11/2014 answer text <p>Decisions regarding the pricing of insurance products, including fees and levies charged are commercial decisions for individual insurers and the Government does not seek to intervene in these decisions. However, the Government is determined that customers should be treated fairly. The Financial Conduct Authority regulates the conduct of the insurance industry and requires firms to disclose information on fees to be paid for insurance products.</p><p> </p><p> </p><p> </p><p>As part of the Government’s automatic enrolment reforms, measures have recently been put forward to cap fees for workplace pensions to 0.75 per cent so that pensions savings are invested in value for money schemes.</p><p> </p> answering member printed Lord Deighton question first answered 10/11/2014 18:04:02 answering member 4262 label Biography information for Lord Deighton
	tabling member	4153 label Biography information for Lord Kennedy of Southwark