{ "format" : "linked-data-api", "version" : "0.2", "result" : {"_about" : "http://eldaddp.azurewebsites.net/answeredquestions.text?tablingMemberPrinted.=Daniel+Zeichner&min-date=2018-09-11&min-answer.questionFirstAnswered.=2018-09-11T16%3A10%3A51.883Z&answeringDeptSortName=Treasury&answer.answeringMember.label=Biography+information+for+John+Glen", "definition" : "http://eldaddp.azurewebsites.net/meta/answeredquestions.text?tablingMemberPrinted.=Daniel+Zeichner&min-date=2018-09-11&min-answer.questionFirstAnswered.=2018-09-11T16%3A10%3A51.883Z&answeringDeptSortName=Treasury&answer.answeringMember.label=Biography+information+for+John+Glen", "extendedMetadataVersion" : "http://eldaddp.azurewebsites.net/answeredquestions.text?tablingMemberPrinted.=Daniel+Zeichner&min-date=2018-09-11&min-answer.questionFirstAnswered.=2018-09-11T16%3A10%3A51.883Z&answeringDeptSortName=Treasury&_metadata=all&answer.answeringMember.label=Biography+information+for+John+Glen", "first" : "http://eldaddp.azurewebsites.net/answeredquestions.text?tablingMemberPrinted.=Daniel+Zeichner&_page=0&min-date=2018-09-11&min-answer.questionFirstAnswered.=2018-09-11T16%3A10%3A51.883Z&answeringDeptSortName=Treasury&answer.answeringMember.label=Biography+information+for+John+Glen", "hasPart" : "http://eldaddp.azurewebsites.net/answeredquestions.text?tablingMemberPrinted.=Daniel+Zeichner&min-date=2018-09-11&min-answer.questionFirstAnswered.=2018-09-11T16%3A10%3A51.883Z&answeringDeptSortName=Treasury&answer.answeringMember.label=Biography+information+for+John+Glen", "isPartOf" : "http://eldaddp.azurewebsites.net/answeredquestions.text?tablingMemberPrinted.=Daniel+Zeichner&min-date=2018-09-11&min-answer.questionFirstAnswered.=2018-09-11T16%3A10%3A51.883Z&answeringDeptSortName=Treasury&answer.answeringMember.label=Biography+information+for+John+Glen", "items" : [{"_about" : "http://data.parliament.uk/resources/1349283", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1349283/answer", "answerText" : {"_value" : "

In most circumstances, the provision of a bank\u2019s services is a commercial decision for the bank and the Government does not intervene in these decisions. The terms and conditions of the contract between the two parties govern that contract, and although the Treasury sets the legal framework for the regulation of financial services it does not have investigative or prosecuting powers of its own.<\/p>

<\/p>

Disputes arising between a bank and its customers is usually best resolved by the parties involved. The Financial Conduct Authority (FCA) rules require the banks to properly investigate all complaints and, through ongoing supervision, it continues to monitor the banks\u2019 complaint handling processes. If customers are unable to resolve the issue with their bank, they will be eligible for further review by the Financial Ombudsman Service (FOS). The FOS provides a free, independent dispute resolution service for bank customers.<\/p>

<\/p>

The Government has also taken action aimed at helping people avoid repossession, including Support for Mortgage Interest (SMI) loans to homeowners on a low income and protection in the courts through the Pre-Action Protocol which makes it clear that repossession must always be the last resort for lenders. As lenders should only take steps to enforce a repossession order as a last resort, it is vital that homeowners who are having trouble paying their mortgage, or are worried about meeting payments in future, make early contact with their lender.<\/p>

<\/p>

Homeowners who are worried about their mortgage payments may also want to get in touch with Money Helper which has been set up by Government to support consumers with comprehensive, consistent, guidance for every stage of their financial lives. It offers free and impartial information on money matters, available to all online at: www.moneyhelper.org.uk<\/a>, or by calling the Money Helper helpline on 0800 138 7777.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"} } , "answeringMemberConstituency" : {"_value" : "Salisbury"} , "answeringMemberPrinted" : {"_value" : "John Glen"} , "dateOfAnswer" : {"_value" : "2021-09-06", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2021-09-06T12:40:42.403Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2021-07-21", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Financial Institutions"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Chancellor of the Exchequer, if he will take steps to help improve the ability of high street bank customers to (a) challenge and (b) scrutinise past decisions made by financial institutions which have caused hardship and distress, including the repossession of a property.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4382", "label" : {"_value" : "Biography information for Daniel Zeichner"} } , "tablingMemberConstituency" : {"_value" : "Cambridge"} , "tablingMemberPrinted" : [{"_value" : "Daniel Zeichner"} ], "uin" : "37485"} , {"_about" : "http://data.parliament.uk/resources/1234274", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1234274/answer", "answerText" : {"_value" : "

We recognise that every region will be feeling the impacts of this crisis and the Government has responded to the challenges of Covid-19 through unprecedented support for business and workers across the country.<\/p>

<\/p>

At the Summer Economic Update, the Chancellor announced the Government\u2019s plan to support jobs in every region through upgrades to local infrastructure, boosting skills, and new employment support schemes. This builds on our commitment at Budget to invest in our towns, cities, people and places.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"} } , "answeringMemberConstituency" : {"_value" : "Salisbury"} , "answeringMemberPrinted" : {"_value" : "John Glen"} , "dateOfAnswer" : {"_value" : "2020-09-15", "_datatype" : "dateTime"} , "groupedQuestionUIN" : {"_value" : "906093"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2020-09-15T13:05:20.77Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2020-09-15", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Economic Situation"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "What steps he is taking to support regional economies.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4382", "label" : {"_value" : "Biography information for Daniel Zeichner"} } , "tablingMemberConstituency" : {"_value" : "Cambridge"} , "tablingMemberPrinted" : [{"_value" : "Daniel Zeichner"} ], "uin" : "906079"} , {"_about" : "http://data.parliament.uk/resources/1220280", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1220280/answer", "answerText" : {"_value" : "

As I set out at the Lords\u2019 EU Services Sub-Committee last Thursday, the questionnaires that the EU have sent as part of their assessment process of the UK\u2019s equivalence framework amount to over 1000 pages of extremely technical questions, the last 250 pages of which only reached us at the end of May. My officials have been responding to these questions as quickly as possible and will return the remaining questionnaires by the end of this week.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"} } , "answeringMemberConstituency" : {"_value" : "Salisbury"} , "answeringMemberPrinted" : {"_value" : "John Glen"} , "dateOfAnswer" : {"_value" : "2020-07-09", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2020-07-09T10:46:42.137Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2020-07-02", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Financial Services: UK Relations with EU"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Chancellor of the Exchequer, how many of the 28 questionnaires sent from the European Commission on areas where equivalence assessments are possible the Government has answered; and whether the Government plans to answer the remaining questionnaires.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4382", "label" : {"_value" : "Biography information for Daniel Zeichner"} } , "tablingMemberConstituency" : {"_value" : "Cambridge"} , "tablingMemberPrinted" : [{"_value" : "Daniel Zeichner"} ], "uin" : "68354"} , {"_about" : "http://data.parliament.uk/resources/1217546", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1217546/answer", "answerText" : {"_value" : "

One of the impacts of the Covid-19 virus has been a decline in cash withdrawals and usage. Current BEIS guidance to retailers for working safely during COVID-19 advises minimising contact around transactions, for example, considering using contactless payments. The Government and regulators are closely engaged with industry on an ongoing basis to monitor risks to the cash system.<\/p>

The Government recognises that many businesses and individuals rely on cash in their daily lives. At the March 2020 Budget, the Chancellor announced that Government will bring forward legislation to protect access to cash. The Government is engaging with regulators and industry while designing legislation, ensuring that the approach reflects the needs of cash users across the economy.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"} } , "answeringMemberConstituency" : {"_value" : "Salisbury"} , "answeringMemberPrinted" : {"_value" : "John Glen"} , "dateOfAnswer" : {"_value" : "2020-07-03", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2020-07-03T09:51:40.417Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2020-06-24", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Consumer Goods: Contactless Payments"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Chancellor of the Exchequer, if he will make an assessment of the effect of Government guidance on contactless payments on the level of access to (a) goods and (b) services for people who do not have a bank account.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4382", "label" : {"_value" : "Biography information for Daniel Zeichner"} } , "tablingMemberConstituency" : {"_value" : "Cambridge"} , "tablingMemberPrinted" : [{"_value" : "Daniel Zeichner"} ], "uin" : "64212"} , {"_about" : "http://data.parliament.uk/resources/1142864", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1142864/answer", "answerText" : {"_value" : "

The Government has made no such assessment at this time. The operationally independent Financial Conduct Authority has an ongoing investigation into the circumstances that led to the administration of Lendy, and it would be inappropriate for the Government to pre-empt its findings.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"} } , "answeringMemberConstituency" : {"_value" : "Salisbury"} , "answeringMemberPrinted" : {"_value" : "John Glen"} , "dateOfAnswer" : {"_value" : "2019-09-09", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2019-09-09T11:27:31.447Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2019-09-02", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Financial Conduct Authority: Conduct"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Chancellor of the Exchequer, what assessment has been made of the potential merits of an independent inquiry into the conduct of the FCA prior to the collapse of Lendy.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4382", "label" : {"_value" : "Biography information for Daniel Zeichner"} } , "tablingMemberConstituency" : {"_value" : "Cambridge"} , "tablingMemberPrinted" : [{"_value" : "Daniel Zeichner"} ], "uin" : "284368"} ], "itemsPerPage" : 10, "page" : 0, "startIndex" : 1, "totalResults" : 5, "type" : ["http://purl.org/linked-data/api/vocab#ListEndpoint", "http://purl.org/linked-data/api/vocab#Page"]} }