{ "format" : "linked-data-api", "version" : "0.2", "result" : {"_about" : "http://eldaddp.azurewebsites.net/answeredquestions.text?min-answer.dateOfAnswer=2016-03-23&tablingMember.label=Biography+information+for+Kevin+Brennan&max-date=2019-06-03", "definition" : "http://eldaddp.azurewebsites.net/meta/answeredquestions.text?min-answer.dateOfAnswer=2016-03-23&tablingMember.label=Biography+information+for+Kevin+Brennan&max-date=2019-06-03", "extendedMetadataVersion" : "http://eldaddp.azurewebsites.net/answeredquestions.text?min-answer.dateOfAnswer=2016-03-23&tablingMember.label=Biography+information+for+Kevin+Brennan&max-date=2019-06-03&_metadata=all", "first" : "http://eldaddp.azurewebsites.net/answeredquestions.text?min-answer.dateOfAnswer=2016-03-23&tablingMember.label=Biography+information+for+Kevin+Brennan&_page=0&max-date=2019-06-03", "hasPart" : "http://eldaddp.azurewebsites.net/answeredquestions.text?min-answer.dateOfAnswer=2016-03-23&tablingMember.label=Biography+information+for+Kevin+Brennan&max-date=2019-06-03", "isPartOf" : "http://eldaddp.azurewebsites.net/answeredquestions.text?min-answer.dateOfAnswer=2016-03-23&tablingMember.label=Biography+information+for+Kevin+Brennan&max-date=2019-06-03", "items" : [{"_about" : "http://data.parliament.uk/resources/1129193", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1129193/answer", "answerText" : {"_value" : "

The Treasury recognises that mortgage prisoners can be in a difficult and sometimes stressful situation. However, the servicer of these mortgages must be regulated by the Financial Conduct Authority (FCA). This means that customers are protected by the FCA\u2019s principle of Treating Customers Fairly; their Mortgage Conduct of Business rules; and customers have recourse to the Financial Ombudsman Service.<\/p>

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The Treasury has also worked closely with the FCA to consider how to remove the regulatory barriers that might prevent some customers from accessing better deals.<\/p>

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The FCA are now consulting on changes that will move the required affordability assessment from an absolute test to a relative one. This will enable lenders to more easily accept switching consumers, providing they are up-to-date with repayments and are not borrowing more.<\/p>

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The FCA consultation closes on 26 June 2019.<\/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" : "2019-06-06", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2019-06-06T13:14:54.973Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "14"} , "answeringDeptShortName" : {"_value" : "Treasury"} , "answeringDeptSortName" : {"_value" : "Treasury"} , "date" : {"_value" : "2019-06-03", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Mortgages: Interest Rates"} , "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 recent steps he has taken to enable mortgage customers who were trapped when their mortgages were sold to vulture funds to take advantage of lower interest rates; and if he will launch an inquiry.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/1400", "label" : {"_value" : "Biography information for Kevin Brennan"} } , "tablingMemberConstituency" : {"_value" : "Cardiff West"} , "tablingMemberPrinted" : [{"_value" : "Kevin Brennan"} ], "uin" : "259027"} , {"_about" : "http://data.parliament.uk/resources/1129194", "AnsweringBody" : [{"_value" : "Department for Digital, Culture, Media and Sport"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1129194/answer", "answerText" : {"_value" : "

In the UK, the Phone-paid Services Authority (PSA) regulates Premium Rate Services (PRS), which include premium rate text services. Providers of PRS must comply with the PSA Code of Practice which is approved by Ofcom, which includes specific protections for vulnerable consumers.<\/p>

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The PSA has the power to take robust enforcement action against companies that breach their Code. In serious cases, the PSA Code Adjudication Tribunal may impose sanctions which can include ordering refunds to be paid to affected consumers, prohibition of the provider from providing services and fines of up to £250,000 for each breach of the Code.<\/p>

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The PSA has recently consulted on draft proposals to strengthen the regulation of phone-paid services offered on a subscription basis. The PSA considered risks to consumers as part of the consultation including the specific risk of harm to vulnerable consumers. The consultation closed in May and the PSA will publish its response later this year.<\/p>"} , "answeringMember" : {"_about" : "http://data.parliament.uk/members/4115", "label" : {"_value" : "Biography information for Margot James"} } , "answeringMemberConstituency" : {"_value" : "Stourbridge"} , "answeringMemberPrinted" : {"_value" : "Margot James"} , "dateOfAnswer" : {"_value" : "2019-06-06", "_datatype" : "dateTime"} , "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"} , "questionFirstAnswered" : [{"_value" : "2019-06-06T15:08:35.097Z", "_datatype" : "dateTime"} ]} , "answeringDeptId" : {"_value" : "10"} , "answeringDeptShortName" : {"_value" : "Digital, Culture, Media and Sport"} , "answeringDeptSortName" : {"_value" : "Digital, Culture, Media and Sport"} , "date" : {"_value" : "2019-06-03", "_datatype" : "dateTime"} , "hansardHeading" : {"_value" : "Telephone Services: Fees and Charges"} , "houseId" : {"_value" : "1"} , "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"} } ], "questionText" : "To ask the Secretary of State for Digital, Culture, Media and Sport, what recent steps he has taken to protect vulnerable customers from exploitation by premium rate text services.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"} , "tablingMember" : {"_about" : "http://data.parliament.uk/members/1400", "label" : {"_value" : "Biography information for Kevin Brennan"} } , "tablingMemberConstituency" : {"_value" : "Cardiff West"} , "tablingMemberPrinted" : [{"_value" : "Kevin Brennan"} ], "uin" : "259028"} , {"_about" : "http://data.parliament.uk/resources/1127849", "AnsweringBody" : [{"_value" : "Department for Work and Pensions"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1127849/answer", "answerText" : {"_value" : "

Improving employment opportunities for people with a learning disability is a Government priority. We take a life course approach and are working with other Departments to tackle barriers to employment that start early in life. For example, we work with Department for Education on implementing the Maynard Task Force recommendations which help people with learning disabilities to access Apprenticeships. DWP is also testing ways to improve our support to this group, through initiatives like the Local Supported Employment proof of concept, which seeks to build our evidence base on how we can best help users of adult social care (many of whom have learning disabilities) to be able to work.<\/p>

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Through Disability Confident, we are encouraging employers to offer more opportunities to disabled people, including people with a learning disability. Nearly 12,000 employers are signed up to the scheme and we recently announced our commitment to increase this number to 20,000 over the year.<\/p>

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Access to Work supports disabled people, including those with learning disabilities, who are in work or participating on Traineeships, apprenticeships or supported internships. Last year, record numbers of people with learning disabilities received support from Access to Work, with figures up 22% on 16/17.<\/p>

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The Government is working with the Supported Business Alliance (SBA) and The British Association for Supported Employment (BASE) to:<\/p>