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1363713

	registered interest
	date	25/10/2021
	answering body	Ministry of Defence
	answering dept id	11
	answering dept short name	Defence
	answering dept sort name	Defence
	hansard heading	Armed Forces Compensation Scheme
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Defence, what assessment he has made of the effectiveness of the Armed Forces Compensation Scheme process for veterans.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	63924
	answer	answer is ministerial correction date of answer 28/10/2021 answer text <p>The Ministry of Defence is committed to ensuring that the Armed Forces Compensation Scheme (AFCS) delivers for those who make a claim. Mechanisms of accountability ensure that this is the case and include the Quinquennial Review to confirm AFCS remains fit for purpose, monthly review against Key Performance Indicators, and bi-monthly review in conjunction with the Office of Veterans Affairs. The Central Advisory Committee on Compensation also affords Armed Forces charities opportunity to discuss all aspects of compensation, including the efficiency of AFCS.</p><p> </p><p>The AFCS uses independent medical experts through the Independent Medical Expert Group, an advisory Non-Departmental Public Body. This provides assurance that AFCS policy and decision-making reflect contemporary medical understanding of causation and prognosis. Any apparent anomalies in AFCS tariffs are examined and recommendations made accordingly. Veterans UK medical advisers are independent from clinicians and have had a career in clinical medicine. They are trained in medico-legal determinations and AFCS legislation. They give case-specific advice based on the claimant’s service and in-line with prevailing medical understanding.</p><p> </p> answering member constituency Aldershot answering member printed Leo Docherty grouped question UIN 63925 question first answered 28/10/2021 13:55:31 answering member 4600 label Biography information for Leo Docherty
	tabling member	4623 label Biography information for Tonia Antoniazzi

1363714

	registered interest
	date	25/10/2021
	answering body	Ministry of Defence
	answering dept id	11
	answering dept short name	Defence
	answering dept sort name	Defence
	hansard heading	Veterans: Compensation
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Secretary of State for Defence, what assessment he has made of the effectiveness of using Veterans UK medical advisors rather than independent medical experts in the veterans compensation process.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	63925
	answer	answer is ministerial correction date of answer 28/10/2021 answer text <p>The Ministry of Defence is committed to ensuring that the Armed Forces Compensation Scheme (AFCS) delivers for those who make a claim. Mechanisms of accountability ensure that this is the case and include the Quinquennial Review to confirm AFCS remains fit for purpose, monthly review against Key Performance Indicators, and bi-monthly review in conjunction with the Office of Veterans Affairs. The Central Advisory Committee on Compensation also affords Armed Forces charities opportunity to discuss all aspects of compensation, including the efficiency of AFCS.</p><p> </p><p>The AFCS uses independent medical experts through the Independent Medical Expert Group, an advisory Non-Departmental Public Body. This provides assurance that AFCS policy and decision-making reflect contemporary medical understanding of causation and prognosis. Any apparent anomalies in AFCS tariffs are examined and recommendations made accordingly. Veterans UK medical advisers are independent from clinicians and have had a career in clinical medicine. They are trained in medico-legal determinations and AFCS legislation. They give case-specific advice based on the claimant’s service and in-line with prevailing medical understanding.</p><p> </p> answering member constituency Aldershot answering member printed Leo Docherty grouped question UIN 63924 question first answered 28/10/2021 13:55:31 answering member 4600 label Biography information for Leo Docherty
	tabling member	4623 label Biography information for Tonia Antoniazzi

1365775

	registered interest
	date	03/11/2021
	answering body	Cabinet Office
	answering dept id	53
	answering dept short name	Cabinet Office
	answering dept sort name	Cabinet Office
	hansard heading	Veterans UK: Standards
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Duchy of Lancaster and Minister for the Cabinet Office, what process his Department has put in place to independently review and scrutinise the work of Veteran's UK advisors.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	69165
	answer	answer is ministerial correction date of answer 08/11/2021 answer text <p>The next Quinquennial Review of the Armed Forces Compensation Scheme, due to commence in 2022, will review the process in place for Veterans UK Advisors.</p><p> </p> answering member constituency Aldershot answering member printed Leo Docherty question first answered 08/11/2021 17:19:26 answering member 4600 label Biography information for Leo Docherty
	tabling member	4623 label Biography information for Tonia Antoniazzi

1378289

	registered interest
	date	15/11/2021
	answering body	Ministry of Defence
	answering dept id	11
	answering dept short name	Defence
	answering dept sort name	Defence
	hansard heading	Veterans: Education and Training
	house id	1
	legislature	25259 pref label House of Commons
	question text	What progress his Department has made on supporting education and reskilling opportunities for former service personnel.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	904141
	answer	answer is ministerial correction date of answer 15/11/2021 answer text <p>The Ministry of Defence (MOD) promotes lifelong learning.</p><p> </p><p>Eligible Service personnel and veterans can access three schemes which can help individuals pursue their personal and professional development through education, both during their Service and, for two of the schemes, up to ten years after discharge.</p><p> </p><p>In 2019, the MOD introduced Holistic Transition support, building on the highly successful Career Transition Partnership, which has provided employment support and job finding services for the last 20 years.</p> answering member constituency Aldershot answering member printed Leo Docherty question first answered 15/11/2021 17:23:56 answering member 4600 label Biography information for Leo Docherty
	tabling member	4623 label Biography information for Tonia Antoniazzi

1610348

	registered interest
	date	14/04/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Electronic Funds Transfer: Fraud
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, whether the Government is taking steps to ensure that that the Mandatory Reimbursement Framework prioritises protection for vulnerable customers.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	180481
	answer	answer is ministerial correction date of answer 19/04/2023 answer text <p>The Government recognises the growing threat posed to consumers by Authorised Push Payment (APP) fraud, with increasingly sophisticated scams that can be detrimental to people’s lives.</p><p> </p><p>That is why the Government has introduced legislation as part of the Financial Services &amp; Markets Bill to enable the Payment Systems Regulator to require payment service providers (including banks) to reimburse APP scam victims, and placed a duty on the PSR to act in relation to the Faster Payments system (over which vast majority of APP scams currently occur) within 6 months of the legislation coming into force. Following Royal Assent, the PSR will have the powers to deliver an effective reimbursement requirement, and the Government believes this will ensure more consistent and comprehensive reimbursement for APP scam victims.</p><p> </p><p>In its recent consultation on mandatory APP scam reimbursement, the PSR has proposed requiring all banks and other payment service providers sending payments over the Faster Payments system to reimburse APP scam victims, including requiring that vulnerable customers are reimbursed without exception. The Government looks forward to hearing the outcomes of this consultation.</p><p> </p><p>It is right that all industries at risk of facilitating fraud should be prioritising protecting their customers, and the Government is taking steps to ensure that is the case, including through the Online Safety Bill. We will continue to monitor cross-sector efforts to mitigate fraud and protect customers, and will ensure that those sectors which give rise to fraud risk make a meaningful contribution to the reduction of fraud in the UK, including through the forthcoming Fraud Strategy.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 180482 question first answered 19/04/2023 15:06:16 answering member 4874 label Biography information for Andrew Griffith
	tabling member	4623 label Biography information for Tonia Antoniazzi

1610349

	registered interest
	date	14/04/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Electronic Funds Transfer: Fraud
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, in the context of plans to introduce a mandatory reimbursement framework for cases of authorised push payment fraud, what steps his Department has taken to assess the potential merits of requiring (a) online platforms and (b) telecoms companies to implement increased fraud prevention measures alongside introducing that framework.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	180482
	answer	answer is ministerial correction date of answer 19/04/2023 answer text <p>The Government recognises the growing threat posed to consumers by Authorised Push Payment (APP) fraud, with increasingly sophisticated scams that can be detrimental to people’s lives.</p><p> </p><p>That is why the Government has introduced legislation as part of the Financial Services &amp; Markets Bill to enable the Payment Systems Regulator to require payment service providers (including banks) to reimburse APP scam victims, and placed a duty on the PSR to act in relation to the Faster Payments system (over which vast majority of APP scams currently occur) within 6 months of the legislation coming into force. Following Royal Assent, the PSR will have the powers to deliver an effective reimbursement requirement, and the Government believes this will ensure more consistent and comprehensive reimbursement for APP scam victims.</p><p> </p><p>In its recent consultation on mandatory APP scam reimbursement, the PSR has proposed requiring all banks and other payment service providers sending payments over the Faster Payments system to reimburse APP scam victims, including requiring that vulnerable customers are reimbursed without exception. The Government looks forward to hearing the outcomes of this consultation.</p><p> </p><p>It is right that all industries at risk of facilitating fraud should be prioritising protecting their customers, and the Government is taking steps to ensure that is the case, including through the Online Safety Bill. We will continue to monitor cross-sector efforts to mitigate fraud and protect customers, and will ensure that those sectors which give rise to fraud risk make a meaningful contribution to the reduction of fraud in the UK, including through the forthcoming Fraud Strategy.</p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 180481 question first answered 19/04/2023 15:06:16 answering member 4874 label Biography information for Andrew Griffith
	tabling member	4623 label Biography information for Tonia Antoniazzi

1643498

	registered interest
	date	09/06/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit: Interest Rates
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what assessment he has made of trends in the level of interest charged by payday loan companies.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	188759
	answer	answer is ministerial correction date of answer 15/06/2023 answer text <p>The Government does not hold data on the trends in the level of interest charged by payday loan companies.</p><p> </p><p>However, the Government believes that consumers should be protected from unfair costs in the payday lending market. That is why the Government legislated to require the Financial Conduct Authority (FCA) to introduce a cap on the cost of payday loans. This came into force in January 2015 and means that payday loans have a total cost cap of 100%, ensuring that consumers never need to pay back more than twice the sum they have borrowed. This cap also includes a daily interest cap of 0.8%, lowering prices for borrowers who pay back loans on time.</p><p> </p><p>The FCA has also conducted a review of the cap. In July 2017 it released a Feedback Statement as part of its review of the high-cost credit market. This showed that the payday cap has been effective, leading to total savings of approximately £150 million for the 760,000 individuals using payday loans each year, and highlighted that many payday lenders lend at well below the 100% total cost cap. Overall, the review concluded that consumers pay less, repay on time more often, and are less likely to need help from debt charities.</p><p> </p><p>More broadly, the FCA requires regulated lenders to treat customers fairly when they are in financial difficulty. FCA guidance sets out that firms should provide support through tailored forbearance options for borrowers which ensures they receive the most appropriate and sustainable support for the long-term, including payment holidays where these are in the interest of the consumer. On 25 May 2023, the FCA published a consultation on how it plans to incorporate aspects of this tailored support guidance into its rules. The consultation can be found here: <a href="https://www.fca.org.uk/publications/consultation-papers/cp23-13-strengthening-protections-borrowers-financial-difficulty-consumer-credit-mortgages" target="_blank">https://www.fca.org.uk/publications/consultation-papers/cp23-13-strengthening-protections-borrowers-financial-difficulty-consumer-credit-mortgages</a></p><p> </p><p>For people in problem debt who do need help, the Government continues to maintain record levels of funding for free-to-client debt advice in England, bringing the 2023-24 debt advice budget for the Money and Pensions Service (MaPS) to £92.7 million. MaPS is the single largest funder of debt advice in England. It works alongside partners across the UK to make debt advice easier and quicker to access, and to improve standards and quality across the sector. In addition to this, the Breathing Space scheme which launched in England and Wales in 2021, offers people in problem debt a period of protection of up to 60 days on most enforcement action, interest, fees and charges, and encourages them to seek professional debt advice. As of May 2023 over 130,000 people have accessed the scheme’s vital protections.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 188760 188761 question first answered 15/06/2023 12:40:39 answering member 4874 label Biography information for Andrew Griffith
	tabling member	4623 label Biography information for Tonia Antoniazzi

1643499

	registered interest
	date	09/06/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit: Interest Rates
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, whether his Department is taking steps to regulate the interest rates offered by payday loan providers.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	188760
	answer	answer is ministerial correction date of answer 15/06/2023 answer text <p>The Government does not hold data on the trends in the level of interest charged by payday loan companies.</p><p> </p><p>However, the Government believes that consumers should be protected from unfair costs in the payday lending market. That is why the Government legislated to require the Financial Conduct Authority (FCA) to introduce a cap on the cost of payday loans. This came into force in January 2015 and means that payday loans have a total cost cap of 100%, ensuring that consumers never need to pay back more than twice the sum they have borrowed. This cap also includes a daily interest cap of 0.8%, lowering prices for borrowers who pay back loans on time.</p><p> </p><p>The FCA has also conducted a review of the cap. In July 2017 it released a Feedback Statement as part of its review of the high-cost credit market. This showed that the payday cap has been effective, leading to total savings of approximately £150 million for the 760,000 individuals using payday loans each year, and highlighted that many payday lenders lend at well below the 100% total cost cap. Overall, the review concluded that consumers pay less, repay on time more often, and are less likely to need help from debt charities.</p><p> </p><p>More broadly, the FCA requires regulated lenders to treat customers fairly when they are in financial difficulty. FCA guidance sets out that firms should provide support through tailored forbearance options for borrowers which ensures they receive the most appropriate and sustainable support for the long-term, including payment holidays where these are in the interest of the consumer. On 25 May 2023, the FCA published a consultation on how it plans to incorporate aspects of this tailored support guidance into its rules. The consultation can be found here: <a href="https://www.fca.org.uk/publications/consultation-papers/cp23-13-strengthening-protections-borrowers-financial-difficulty-consumer-credit-mortgages" target="_blank">https://www.fca.org.uk/publications/consultation-papers/cp23-13-strengthening-protections-borrowers-financial-difficulty-consumer-credit-mortgages</a></p><p> </p><p>For people in problem debt who do need help, the Government continues to maintain record levels of funding for free-to-client debt advice in England, bringing the 2023-24 debt advice budget for the Money and Pensions Service (MaPS) to £92.7 million. MaPS is the single largest funder of debt advice in England. It works alongside partners across the UK to make debt advice easier and quicker to access, and to improve standards and quality across the sector. In addition to this, the Breathing Space scheme which launched in England and Wales in 2021, offers people in problem debt a period of protection of up to 60 days on most enforcement action, interest, fees and charges, and encourages them to seek professional debt advice. As of May 2023 over 130,000 people have accessed the scheme’s vital protections.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 188759 188761 question first answered 15/06/2023 12:40:39 answering member 4874 label Biography information for Andrew Griffith
	tabling member	4623 label Biography information for Tonia Antoniazzi

1643501

	registered interest
	date	09/06/2023
	answering body	Treasury
	answering dept id	14
	answering dept short name	Treasury
	answering dept sort name	Treasury
	hansard heading	Credit: Interest Rates
	house id	1
	legislature	25259 pref label House of Commons
	question text	To ask the Chancellor of the Exchequer, what steps his Department is taking to help people in debt as a result of interest being accrued on pay day loans.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	188761
	answer	answer is ministerial correction date of answer 15/06/2023 answer text <p>The Government does not hold data on the trends in the level of interest charged by payday loan companies.</p><p> </p><p>However, the Government believes that consumers should be protected from unfair costs in the payday lending market. That is why the Government legislated to require the Financial Conduct Authority (FCA) to introduce a cap on the cost of payday loans. This came into force in January 2015 and means that payday loans have a total cost cap of 100%, ensuring that consumers never need to pay back more than twice the sum they have borrowed. This cap also includes a daily interest cap of 0.8%, lowering prices for borrowers who pay back loans on time.</p><p> </p><p>The FCA has also conducted a review of the cap. In July 2017 it released a Feedback Statement as part of its review of the high-cost credit market. This showed that the payday cap has been effective, leading to total savings of approximately £150 million for the 760,000 individuals using payday loans each year, and highlighted that many payday lenders lend at well below the 100% total cost cap. Overall, the review concluded that consumers pay less, repay on time more often, and are less likely to need help from debt charities.</p><p> </p><p>More broadly, the FCA requires regulated lenders to treat customers fairly when they are in financial difficulty. FCA guidance sets out that firms should provide support through tailored forbearance options for borrowers which ensures they receive the most appropriate and sustainable support for the long-term, including payment holidays where these are in the interest of the consumer. On 25 May 2023, the FCA published a consultation on how it plans to incorporate aspects of this tailored support guidance into its rules. The consultation can be found here: <a href="https://www.fca.org.uk/publications/consultation-papers/cp23-13-strengthening-protections-borrowers-financial-difficulty-consumer-credit-mortgages" target="_blank">https://www.fca.org.uk/publications/consultation-papers/cp23-13-strengthening-protections-borrowers-financial-difficulty-consumer-credit-mortgages</a></p><p> </p><p>For people in problem debt who do need help, the Government continues to maintain record levels of funding for free-to-client debt advice in England, bringing the 2023-24 debt advice budget for the Money and Pensions Service (MaPS) to £92.7 million. MaPS is the single largest funder of debt advice in England. It works alongside partners across the UK to make debt advice easier and quicker to access, and to improve standards and quality across the sector. In addition to this, the Breathing Space scheme which launched in England and Wales in 2021, offers people in problem debt a period of protection of up to 60 days on most enforcement action, interest, fees and charges, and encourages them to seek professional debt advice. As of May 2023 over 130,000 people have accessed the scheme’s vital protections.</p><p> </p> answering member constituency Arundel and South Downs answering member printed Andrew Griffith grouped question UIN 188759 188760 question first answered 15/06/2023 12:40:39 answering member 4874 label Biography information for Andrew Griffith
	tabling member	4623 label Biography information for Tonia Antoniazzi

1255668

	registered interest
	date	26/11/2020
	answering body	Department for Environment, Food and Rural Affairs
	answering dept id	13
	answering dept short name	Environment, Food and Rural Affairs
	answering dept sort name	Environment, Food and Rural Affairs
	hansard heading	Agriculture: Subsidies
	house id	1
	legislature	25259 pref label House of Commons
	question text	What steps he is taking to ensure that farmers continue to receive financial support after the transition period.
	tabling member constituency	Gower
	tabling member printed	Tonia Antoniazzi
	uin	909312
	answer	answer is ministerial correction date of answer 26/11/2020 answer text <p>In our 2019 manifesto we promised to maintain the current annual budget to farmers for the lifetime of this parliament. When we made this commitment in 2019, the total farm support provided to Welsh farmers that year was £337 million. For 2021/22, the UK government have therefore provided new exchequer funding on top of the remaining £95 million of EU funding to ensure that £337 million of support continues to go to Welsh farmers this year.</p> answering member constituency Banbury answering member printed Victoria Prentis question first answered 26/11/2020 17:44:56 answering member 4401 label Biography information for Victoria Prentis
	tabling member	4623 label Biography information for Tonia Antoniazzi