{ "format" : "linked-data-api", "version" : "0.2", "result" : {"_about" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=7074&max-answer.questionFirstAnswered.=2019-11-04T17%3A23%3A19.713Z", "definition" : "http://eldaddp.azurewebsites.net/meta/answeredquestions.text?identifier=7074&max-answer.questionFirstAnswered.=2019-11-04T17%3A23%3A19.713Z", "extendedMetadataVersion" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=7074&_metadata=all&max-answer.questionFirstAnswered.=2019-11-04T17%3A23%3A19.713Z", "first" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=7074&_page=0&max-answer.questionFirstAnswered.=2019-11-04T17%3A23%3A19.713Z", "hasPart" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=7074&max-answer.questionFirstAnswered.=2019-11-04T17%3A23%3A19.713Z", "isPartOf" : "http://eldaddp.azurewebsites.net/answeredquestions.text?identifier=7074&max-answer.questionFirstAnswered.=2019-11-04T17%3A23%3A19.713Z", "items" : [{"_about" : "http://data.parliament.uk/resources/1167214", "AnsweringBody" : [{"_value" : "Treasury"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/1167214/answer", "answerText" : {"_value" : "<p>I am aware that customers who are unable to access cheaper mortgage deals are in a difficult and stressful situation. Taking action to remove unnecessary regulatory barriers that have prevented some customers from switching has been a priority for me and so I welcome the changes the FCA have made to their mortgage lending rules.<\/p><p> <\/p><p>This change in the FCA\u2019s rules should allow customers to switch to a new lender as long as they meet the lender\u2019s risk appetite. This is determined by the lender and will take into account the circumstances of individual customers, which may include being up to date with their payments; not having significant other debt; and not being in negative equity.<\/p><p> <\/p><p>Due to the uncertainty of lender\u2019s risk appetites or the number of consumers who will choose to use the new switching opportunities, it is impossible to know precisely how many mortgage prisoners will be helped by the rule change until lenders are able to report progress to the Financial Conduct Authority (FCA).<\/p><p> <\/p><p>Part of the FCA\u2019s action to support mortgage prisoners is ensuring that borrowers, whose mortgage is currently held by an unregulated entity, are proactively contacted about this rule change. Inactive lenders and administrators acting for unregulated entities are now required to implement a communication strategy for relevant customers to inform them of the rule change within the next 10 months.<\/p><p> <\/p><p>The FCA ran a consultation on the rule changes and thoroughly considered representations from various interested parties before implementing the changes in October. Most recently, I have met with Andrew Bailey, Chief Executive of the FCA, where we agreed to continue to collaborate and engage to support mortgage prisoners moving forward. In addition, I have met specifically with MPs for the All-Party Parliamentary Group on mortgage prisoners and numerous other MPs who, representing their constituents, have wished to discuss mortgage policy.<\/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" : "2019-11-04", "_datatype" : "dateTime"}
        , "groupedQuestionUIN" : [{"_value" : "7072"}
        , {"_value" : "7073"}
        ], "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2019-11-04T14:00:56.183Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "14"}
      , "answeringDeptShortName" : {"_value" : "Treasury"}
      , "answeringDeptSortName" : {"_value" : "Treasury"}
      , "date" : {"_value" : "2019-10-29", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Mortgages"}
      , "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 discussions he has had with representatives of groups acting on behalf of mortgage prisoners on the effect of the announcement made by the FCA on 28 October 2019.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/465", "label" : {"_value" : "Biography information for Gordon Marsden"}
      }
      , "tablingMemberConstituency" : {"_value" : "Blackpool South"}
      , "tablingMemberPrinted" : [{"_value" : "Gordon Marsden"}
      ], "uin" : "7074"}
    , {"_about" : "http://data.parliament.uk/resources/755948", "AnsweringBody" : [{"_value" : "House of Commons Commission"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/755948/answer", "answerText" : {"_value" : "<p>The House of Commons has made levy payments to Her Majesty\u2019s Revenue and Customs (HMRC) since April 2017, in the region of £37,000\u2013£38,000 per month. All levy payments are up to date. This figure includes the House of Lords share of staff costs which are incurred on a shared basis between the two Houses.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/151", "label" : {"_value" : "Biography information for Tom Brake"}
        }
        , "answeringMemberConstituency" : {"_value" : "Carshalton and Wallington"}
        , "answeringMemberPrinted" : {"_value" : "Tom Brake"}
        , "dateOfAnswer" : {"_value" : "2017-09-13", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2017-09-13T11:29:16.693Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "18"}
      , "answeringDeptShortName" : {"_value" : "House of Commons Commission"}
      , "answeringDeptSortName" : {"_value" : "House of Commons Commission"}
      , "date" : {"_value" : "2017-09-04", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Parliament: Apprentices"}
      , "houseId" : {"_value" : "1"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
      }
      ], "questionText" : "To ask the right hon. Member for Carshalton and Wallington, representing the House of Commons Commission, with reference to the Answers of 21 April 2017 to Questions 70502 and 70503, on apprentices: Parliament, whether the House of Commons has declared a levy payment since May 2017.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4444", "label" : {"_value" : "Biography information for Karin Smyth"}
      }
      , "tablingMemberConstituency" : {"_value" : "Bristol South"}
      , "tablingMemberPrinted" : [{"_value" : "Karin Smyth"}
      ], "uin" : "7074"}
    , {"_about" : "http://data.parliament.uk/resources/389675", "AnsweringBody" : [{"_value" : "Department for Business, Innovation and Skills"}
      ], "answer" : {"_about" : "http://data.parliament.uk/resources/389675/answer", "answerText" : {"_value" : "<p>The UK Government supports an extension of the transition period for least developed countries (LDCs) to comply with certain obligations regarding pharmaceutical products under the World Trade Organisation\u2019s Trade-Related Aspects of Intellectual Property Rights (TRIPS) Agreement. Extending the transitional arrangements for a time-bound period will allow LDCs time to ensure their intellectual property laws and practices conform with the TRIPS Agreement. Stimulating innovation and growth in LDCs is key, and we are working to encourage all countries to establish high quality intellectual property protection and enforcement frameworks to facilitate economic growth and participation in world trade.<\/p>"}
        , "answeringMember" : {"_about" : "http://data.parliament.uk/members/1580", "label" : {"_value" : "Biography information for Lord Vaizey of Didcot"}
        }
        , "answeringMemberConstituency" : {"_value" : "Wantage"}
        , "answeringMemberPrinted" : {"_value" : "Mr Edward Vaizey"}
        , "dateOfAnswer" : {"_value" : "2015-07-21", "_datatype" : "dateTime"}
        , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
        , "questionFirstAnswered" : [{"_value" : "2015-07-21T14:33:48.18Z", "_datatype" : "dateTime"}
        ]}
      , "answeringDeptId" : {"_value" : "26"}
      , "answeringDeptShortName" : {"_value" : "Business, Innovation and Skills"}
      , "answeringDeptSortName" : {"_value" : "Business, Innovation and Skills"}
      , "date" : {"_value" : "2015-07-14", "_datatype" : "dateTime"}
      , "hansardHeading" : {"_value" : "Drugs: Developing Countries"}
      , "houseId" : {"_value" : "1"}
      , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
      }
      ], "questionText" : "To ask the Secretary of State for Business, Innovation and Skills, whether his Department supports the request by the Least-Developed Countries (LDC) group at the World Trade Organisation for an extension of the transition period to utilise trade-related aspects of intellectual property rights' flexibilities relating to pharmaceutical products for as long as those countries remain an LDC.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
      , "tablingMember" : {"_about" : "http://data.parliament.uk/members/4004", "label" : {"_value" : "Biography information for Mike Freer"}
      }
      , "tablingMemberConstituency" : {"_value" : "Finchley and Golders Green"}
      , "tablingMemberPrinted" : [{"_value" : "Mike Freer"}
      ], "uin" : "7074"}
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