www.gov.uk/government/publications/preventing-and-tackling-bullying<\/a><\/p>Schools are also held to account by Ofsted for their effectiveness in managing pupil behaviour and safety, which includes homophobic bullying. Inspectors must consider pupils\u2019 freedom from all forms of harassment, bullying and discrimination. As part of the inspection, schools are asked to make available evidence of records and analysis of bullying, in particular homophobic bullying.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4270", "label" : {"_value" : "Biography information for Lord Nash"}
}
, "answeringMemberPrinted" : {"_value" : "Lord Nash"}
, "dateOfAnswer" : {"_value" : "2014-11-06", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-11-06T16:59:46.0414894Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "60"}
, "answeringDeptShortName" : {"_value" : "Education"}
, "answeringDeptSortName" : {"_value" : "Education"}
, "date" : {"_value" : "2014-10-30", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Pupils: Bullying"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty\u2019s Government what action they are taking to tackle homophobic bullying in schools.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4202", "label" : {"_value" : "Biography information for Lord Lexden"}
}
, "tablingMemberPrinted" : [{"_value" : "Lord Lexden"}
], "uin" : "HL2523"}
, {"_about" : "http://data.parliament.uk/resources/101718", "AnsweringBody" : [{"_value" : "HM Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/101718/answer", "answerText" : {"_value" : "
The Government has made no public assessment of these figures.<\/p>
<\/p>
<\/p>
<\/p>
Financial Conduct Authority analysis estimates that in 2013, 1.6 million customers took out 10 million payday loans, with a total value of £2.5bn.<\/p>
<\/p>
<\/p>
<\/p>
FCA analysis of payday loans funded in 2013 from a sample of lenders indicates that 56% of these loans were entirely repaid (with no unpaid debt recorded) within 31 days of receipt of funds, and 76% within 365 days.<\/p>
<\/p>
<\/p>
<\/p>
Competition and Markets Authority analysis of the prices of payday products shows a range in interest rates and finance charges from £20 to £36 per £100 per month, for 1 month loans. In addition to this some firms charge fees irrespective of loan size of up to £20. Penalty charges of up to £30 are levied on the first day after a payment is missed and, in addition to this some lenders charge over £40 if a customer has not repaid after a longer time period.<\/p>
<\/p>
<\/p>
<\/p>
The FCA has now published final rules on its cap on the cost of payday loans. This cap will be in place by 2 January 2015.<\/p>
<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4262", "label" : {"_value" : "Biography information for Lord Deighton"}
}
, "answeringMemberPrinted" : {"_value" : "Lord Deighton"}
, "dateOfAnswer" : {"_value" : "2014-11-17", "_datatype" : "dateTime"}
, "groupedQuestionUIN" : [{"_value" : "HL2528"}
, {"_value" : "HL2529"}
], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-11-17T14:25:38.623Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "14"}
, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2014-10-30", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Credit: Interest Rates"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty\u2019s Government what is their assessment of the total value of pay day loans extended in the United Kingdom over the last 12 months for which data are available.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/346", "label" : {"_value" : "Biography information for Lord Davies of Stamford"}
}
, "tablingMemberPrinted" : [{"_value" : "Lord Davies of Stamford"}
], "uin" : "HL2527"}
, {"_about" : "http://data.parliament.uk/resources/101719", "AnsweringBody" : [{"_value" : "HM Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/101719/answer", "answerText" : {"_value" : "
The Government has made no public assessment of these figures.<\/p>
<\/p>
<\/p>
<\/p>
Financial Conduct Authority analysis estimates that in 2013, 1.6 million customers took out 10 million payday loans, with a total value of £2.5bn.<\/p>
<\/p>
<\/p>
<\/p>
FCA analysis of payday loans funded in 2013 from a sample of lenders indicates that 56% of these loans were entirely repaid (with no unpaid debt recorded) within 31 days of receipt of funds, and 76% within 365 days.<\/p>
<\/p>
<\/p>
<\/p>
Competition and Markets Authority analysis of the prices of payday products shows a range in interest rates and finance charges from £20 to £36 per £100 per month, for 1 month loans. In addition to this some firms charge fees irrespective of loan size of up to £20. Penalty charges of up to £30 are levied on the first day after a payment is missed and, in addition to this some lenders charge over £40 if a customer has not repaid after a longer time period.<\/p>
<\/p>
<\/p>
<\/p>
The FCA has now published final rules on its cap on the cost of payday loans. This cap will be in place by 2 January 2015.<\/p>
<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4262", "label" : {"_value" : "Biography information for Lord Deighton"}
}
, "answeringMemberPrinted" : {"_value" : "Lord Deighton"}
, "dateOfAnswer" : {"_value" : "2014-11-17", "_datatype" : "dateTime"}
, "groupedQuestionUIN" : [{"_value" : "HL2527"}
, {"_value" : "HL2529"}
], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-11-17T14:25:38.703Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "14"}
, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2014-10-30", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Credit: Interest Rates"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty\u2019s Government what is their assessment of the proportion of pay day loans extended in the United Kingdom in the last 12 months for which data are available which were entirely repaid within (1) a month, and (2) a year, of receipt of funds by the relevant borrower.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/346", "label" : {"_value" : "Biography information for Lord Davies of Stamford"}
}
, "tablingMemberPrinted" : [{"_value" : "Lord Davies of Stamford"}
], "uin" : "HL2528"}
, {"_about" : "http://data.parliament.uk/resources/101720", "AnsweringBody" : [{"_value" : "HM Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/101720/answer", "answerText" : {"_value" : "
The Government has made no public assessment of these figures.<\/p>
<\/p>
<\/p>
<\/p>
Financial Conduct Authority analysis estimates that in 2013, 1.6 million customers took out 10 million payday loans, with a total value of £2.5bn.<\/p>
<\/p>
<\/p>
<\/p>
FCA analysis of payday loans funded in 2013 from a sample of lenders indicates that 56% of these loans were entirely repaid (with no unpaid debt recorded) within 31 days of receipt of funds, and 76% within 365 days.<\/p>
<\/p>
<\/p>
<\/p>
Competition and Markets Authority analysis of the prices of payday products shows a range in interest rates and finance charges from £20 to £36 per £100 per month, for 1 month loans. In addition to this some firms charge fees irrespective of loan size of up to £20. Penalty charges of up to £30 are levied on the first day after a payment is missed and, in addition to this some lenders charge over £40 if a customer has not repaid after a longer time period.<\/p>
<\/p>
<\/p>
<\/p>
The FCA has now published final rules on its cap on the cost of payday loans. This cap will be in place by 2 January 2015.<\/p>
<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4262", "label" : {"_value" : "Biography information for Lord Deighton"}
}
, "answeringMemberPrinted" : {"_value" : "Lord Deighton"}
, "dateOfAnswer" : {"_value" : "2014-11-17", "_datatype" : "dateTime"}
, "groupedQuestionUIN" : [{"_value" : "HL2527"}
, {"_value" : "HL2528"}
], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-11-17T14:25:38.53Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "14"}
, "answeringDeptShortName" : {"_value" : "Treasury"}
, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2014-10-30", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Credit: Interest Rates"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty\u2019s Government what is their assessment of the (1) highest, (2) lowest, and (3) average, cost of (a) interest charges, (b) penalty interest and charges, and (c) other charges, fees and commissions, borne by borrowers of pay day loans, as a percentage of the funds drawn down by those borrowers, over the last 12 months for which data are available.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/346", "label" : {"_value" : "Biography information for Lord Davies of Stamford"}
}
, "tablingMemberPrinted" : [{"_value" : "Lord Davies of Stamford"}
], "uin" : "HL2529"}
, {"_about" : "http://data.parliament.uk/resources/101721", "AnsweringBody" : [{"_value" : "Foreign and Commonwealth Office"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/101721/answer", "answerText" : {"_value" : "
Paragraph 7 of the October European Council Conclusions refers to the first of five priority areas (stronger economies with more jobs) of the Strategic Agenda for the Union in Times of Change, the EU\u2019s priorities for the next five years, as agreed by EU Leaders in the June 2014 European Council.
Paragraph 8 focuses on European Council support for concrete policy actions to boost investment, especially the Commission\u2019s proposed \u20ac300 billion investment initiative, encouraging full use of all existing and allocated EU resources. The UK successfully pushed for private investment to be a key part of this language. The investment package is currently a policy initiative to be discussed by EU Heads of State at the December European Council. The economic growth and jobs that the package aims to stimulate in the economies of EU Member States is of significant importance to the UK economy.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3474", "label" : {"_value" : "Biography information for Baroness Anelay of St Johns"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Anelay of St Johns"}
, "dateOfAnswer" : {"_value" : "2014-11-10", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-11-10T15:06:09.6582999Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "16"}
, "answeringDeptShortName" : {"_value" : "Foreign and Commonwealth Office"}
, "answeringDeptSortName" : {"_value" : "Foreign and Commonwealth Office"}
, "date" : {"_value" : "2014-10-30", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "EU Economic Policy"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty\u2019s Government why paragraphs 7 and 8 of the European Council\u2019s Conclusions of its meeting of 23 and 24 October were excluded from their Statements about that meeting to both Houses of Parliament on 27 October.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/3153", "label" : {"_value" : "Biography information for Lord Pearson of Rannoch"}
}
, "tablingMemberPrinted" : [{"_value" : "Lord Pearson of Rannoch"}
], "uin" : "HL2530"}
, {"_about" : "http://data.parliament.uk/resources/101722", "AnsweringBody" : [{"_value" : "Foreign and Commonwealth Office"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/101722/answer", "answerText" : {"_value" : "
I refer the Noble Lord to the letter of 29 October correcting the reply, placed in the Library of the House by the Lord Privy Seal and Leader of the House of Lords, the right Hon. the Baroness Stowell of Beeston. A copy of the letter is attached for ease of reference.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3474", "label" : {"_value" : "Biography information for Baroness Anelay of St Johns"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Anelay of St Johns"}
, "attachment" : {"_about" : "http://data.parliament.uk/resources/101722/answer/attachment/1", "fileName" : {"_value" : "20141029 Lord_Pearson.pdf"}
, "title" : "Letter of 29 Oct placed in Library of House"}
, "dateOfAnswer" : {"_value" : "2014-11-17", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-11-17T14:43:37.137Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "16"}
, "answeringDeptShortName" : {"_value" : "Foreign and Commonwealth Office"}
, "answeringDeptSortName" : {"_value" : "Foreign and Commonwealth Office"}
, "date" : {"_value" : "2014-10-30", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "EU Economic Policy"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty\u2019s Government whether they have any plans to re-consider the reply given by the Lord Privy Seal on 27 October to Lord Pearson of Rannoch (HL Deb, col 1010) to the effect that the European Union\u2019s new \u20ac300 billion Strategic Agenda for the Union in Times of Change affects only the Eurozone and that the United Kingdom will not have to contribute to it.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/3153", "label" : {"_value" : "Biography information for Lord Pearson of Rannoch"}
}
, "tablingMemberPrinted" : [{"_value" : "Lord Pearson of Rannoch"}
], "uin" : "HL2531"}
, {"_about" : "http://data.parliament.uk/resources/101723", "AnsweringBody" : [{"_value" : "Foreign and Commonwealth Office"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/101723/answer", "answerText" : {"_value" : "
Exact details of the package, including financing, are yet to be determined but the European Commission\u2019s Task Force will report to the European Council in December about the next steps. The UK has a great deal of experience to share in this area by virtue of our National Infrastructure Plan and Guarantee Scheme. The Government will inform Parliament about the details at the earliest opportunity.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3474", "label" : {"_value" : "Biography information for Baroness Anelay of St Johns"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Anelay of St Johns"}
, "dateOfAnswer" : {"_value" : "2014-11-10", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-11-10T15:08:47.1443076Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "16"}
, "answeringDeptShortName" : {"_value" : "Foreign and Commonwealth Office"}
, "answeringDeptSortName" : {"_value" : "Foreign and Commonwealth Office"}
, "date" : {"_value" : "2014-10-30", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "EU Economic Policy"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty\u2019s Government, further to the remarks by the Prime Minister in response to Cheryl Gillan MP on 27 October (HC Deb, col 36), when they will inform Parliament of the share of the European Commission\u2019s new \u20ac300 billion investment package which will be borne by the United Kingdom, whether through the European Investment Bank or otherwise; and when the United Kingdom will have to pay it.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/3153", "label" : {"_value" : "Biography information for Lord Pearson of Rannoch"}
}
, "tablingMemberPrinted" : [{"_value" : "Lord Pearson of Rannoch"}
], "uin" : "HL2532"}
, {"_about" : "http://data.parliament.uk/resources/101724", "AnsweringBody" : [{"_value" : "Foreign and Commonwealth Office"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/101724/answer", "answerText" : {"_value" : "The Strategic Agenda and the European Commission\u2019s proposed \u20ac300billion investment package are different things. The Strategic Agenda for the Union in Times of Change, as agreed by EU Leaders in the June 2014 European Council, outlines five priorities to guide the EU over the next five years. These priorities are stronger economies with more jobs; societies enabled to empower and protect; a secure energy and climate future; a trusted area of fundamental freedoms and effective joint action in the world. The planned investment package is a proposed way to work towards the first of these priorities. Exact details of the package, including financing, are yet to be determined. The European Commission\u2019s Task Force will report to the European Council in December about the next steps. The UK has a great deal of experience to share in this area by virtue of our National Infrastructure Plan and Guarantee Scheme."}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3474", "label" : {"_value" : "Biography information for Baroness Anelay of St Johns"}
}
, "answeringMemberPrinted" : {"_value" : "Baroness Anelay of St Johns"}
, "dateOfAnswer" : {"_value" : "2014-11-10", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-11-10T15:10:07.3939432Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "16"}
, "answeringDeptShortName" : {"_value" : "Foreign and Commonwealth Office"}
, "answeringDeptSortName" : {"_value" : "Foreign and Commonwealth Office"}
, "date" : {"_value" : "2014-10-30", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "EU Economic Policy"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty\u2019s Government whether at the European Council meeting on 23 and 24 October the Prime Minister agreed to the European Commission's new \u20ac300 billion investment package over 2015 to 2017, known as the Strategic Agenda for the Union in Times of Change, or whether he was outvoted.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/3153", "label" : {"_value" : "Biography information for Lord Pearson of Rannoch"}
}
, "tablingMemberPrinted" : [{"_value" : "Lord Pearson of Rannoch"}
], "uin" : "HL2533"}
, {"_about" : "http://data.parliament.uk/resources/101725", "AnsweringBody" : [{"_value" : "Ministry of Defence"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/101725/answer", "answerText" : {"_value" : "
It is ultimately a matter for individual Service Personnel whether they choose to purchase personal accident and/or life insurance cover.<\/p>
<\/p>
However, the Department recognises that we also have a duty of care to ensure that personal accident and life insurance cover is available to those service personnel who consider they require it. The Ministry of Defence therefore has a contract with Aon Ltd for a Personal Accident and Optional Life and Critical Illness Insurance, named PAX. A separate contract for Life insurance, named SLI365, is in place, managed by Willis Ltd and underwritten by Sterling Insurance Group. The cover which these schemes provide is voluntary and separate from the benefits provided by the Government. It is also possible that Service Personnel may have secured accident cover/life insurance through other means.<\/p>
<\/p>
Separately, the Ministry of Defence provides compensation for personnel injured due to service through the Armed Forces Compensation Scheme.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3428", "label" : {"_value" : "Biography information for Lord Astor of Hever"}
}
, "answeringMemberPrinted" : {"_value" : "Lord Astor of Hever"}
, "dateOfAnswer" : {"_value" : "2014-11-17", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2014-11-17T12:43:48.437Z", "_datatype" : "dateTime"}
]}
, "answeringDeptId" : {"_value" : "11"}
, "answeringDeptShortName" : {"_value" : "Defence"}
, "answeringDeptSortName" : {"_value" : "Defence"}
, "date" : {"_value" : "2014-10-30", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Sierra Leone"}
, "houseId" : {"_value" : "2"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25277", "prefLabel" : {"_value" : "House of Lords"}
}
], "questionText" : "To ask Her Majesty\u2019s Government whether the 750 military personnel sent to Sierra Leone have full life insurance cover.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/1251", "label" : {"_value" : "Biography information for Lord Naseby"}
}
, "tablingMemberPrinted" : [{"_value" : "Lord Naseby"}
], "uin" : "HL2534"}
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