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1007509

	registered interest
	date	14/11/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Debts
	house id	2
	legislature	25277 pref label House of Lords
	question text	To ask Her Majesty's Government what plans, if any, they have to provide for the reduction of rent arrears, council tax non-payments, and other debts incurred by individuals who have insufficient income to meet their essential outgoings.
	tabling member printed	Lord Ouseley
	uin	HL11508
	answer	answer is ministerial correction date of answer 27/11/2018 answer text <p>Household debt as a proportion of income is down significantly from its pre-crisis peak, from 160% in Q1 2008 to 140% in Q2 2018. However, despite this, the government recognises the importance of preventing people from falling into debt, and supporting individuals if they do.</p><p>To prevent individuals getting into problem debt, the government is putting in measures to improve living standards, and making it easier to access help with financial matters. In particular, the National Living Wage has increased the earnings of the lowest paid full-time workers by over £2000 since 2016, and will rise up a further 4.9% in April 2019 - a £690 rise for a full-time worker.</p><p> </p><p>The government is also setting up a new Single Financial Guidance Body, which will provide people with a single point of contact for help with all financial matters, and have a statutory responsibility to improve the public’s financial capability.</p><p> </p><p>However, the government recognises that, despite this action, some people can fall into problem debt. That is why the government is implementing a breathing space scheme – a sixty day period of protection for people in problem debt, to engage with debt advice and find a sustainable, long-lasting plan to solve their debt problems.</p> answering member printed Lord Bates grouped question UIN HL11507 question first answered 27/11/2018 15:28:31 answering member 1091 label Biography information for Lord Bates
	tabling member	2170 label Biography information for Lord Ouseley

1007508

	registered interest
	date	14/11/2018
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Debts
	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 number of people struggling to manage their debts; what steps they are taking to assist such people; and what assessment they have made of the implications for individuals and families if debts cannot be managed.
	tabling member printed	Lord Ouseley
	uin	HL11507
	answer	answer is ministerial correction date of answer 27/11/2018 answer text <p>Household debt as a proportion of income is down significantly from its pre-crisis peak, from 160% in Q1 2008 to 140% in Q2 2018. However, despite this, the government recognises the importance of preventing people from falling into debt, and supporting individuals if they do.</p><p>To prevent individuals getting into problem debt, the government is putting in measures to improve living standards, and making it easier to access help with financial matters. In particular, the National Living Wage has increased the earnings of the lowest paid full-time workers by over £2000 since 2016, and will rise up a further 4.9% in April 2019 - a £690 rise for a full-time worker.</p><p> </p><p>The government is also setting up a new Single Financial Guidance Body, which will provide people with a single point of contact for help with all financial matters, and have a statutory responsibility to improve the public’s financial capability.</p><p> </p><p>However, the government recognises that, despite this action, some people can fall into problem debt. That is why the government is implementing a breathing space scheme – a sixty day period of protection for people in problem debt, to engage with debt advice and find a sustainable, long-lasting plan to solve their debt problems.</p> answering member printed Lord Bates grouped question UIN HL11508 question first answered 27/11/2018 15:28:31 answering member 1091 label Biography information for Lord Bates
	tabling member	2170 label Biography information for Lord Ouseley