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1679225

registered interest
date	19/12/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Loans: Interest Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government, further to the Written Answer by Baroness Vere of Norbiton on 30 November 2023 (HL457), what assessment they have made of whether the Financial conduct Authority can have confidence that lenders are correctly charging the advertised Annual Percentage Rates (APR) if they do not undertake spot checks.
tabling member printed	Earl Attlee
uin	HL1318
answer	answer is ministerial correction date of answer 21/12/2023 answer text <p>The Consumer Credit Act 1974 (CCA) forms a key part of the regulation of the consumer credit market. Under the CCA’s pre-contractual requirements, firms are required to state clearly the actual (rather than representative) APR in credit agreements.</p><p> </p><p>The Financial Conduct Authority (FCA) has a range of supervisory tools to identify non-compliance with relevant rules, including proactive assessments, responding to reports and complaints, and conducting thematic reviews of particular sectors. As an independent regulator, it is for the FCA to make decisions on how it supervises firms and enforces its rules.</p><p> </p><p>More broadly, the government is committed to working with the FCA to deliver a well-functioning and sustainable consumer credit market which meets consumers’ needs. As part of this, the government is reforming the CCA. Working closely with the FCA, it will be considering how reform can enhance consumer understanding of credit products and credit agreements, leading to improved customer outcomes.</p> answering member printed Baroness Vere of Norbiton grouped question UIN HL1319 question first answered 21/12/2023 14:30:59 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee

1679226

registered interest
date	19/12/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Loans: Interest Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government, further to the Written Answer by Baroness Vere of Norbiton on 30 November 2023 (HL457), what assessment they have made of the ability of the average borrower to compare the representative Annual Percentage Rates (APR) with the actual APR offered in the pre-contract information required to be given under the Consumer Credit Act 1974.
tabling member printed	Earl Attlee
uin	HL1319
answer	answer is ministerial correction date of answer 21/12/2023 answer text <p>The Consumer Credit Act 1974 (CCA) forms a key part of the regulation of the consumer credit market. Under the CCA’s pre-contractual requirements, firms are required to state clearly the actual (rather than representative) APR in credit agreements.</p><p> </p><p>The Financial Conduct Authority (FCA) has a range of supervisory tools to identify non-compliance with relevant rules, including proactive assessments, responding to reports and complaints, and conducting thematic reviews of particular sectors. As an independent regulator, it is for the FCA to make decisions on how it supervises firms and enforces its rules.</p><p> </p><p>More broadly, the government is committed to working with the FCA to deliver a well-functioning and sustainable consumer credit market which meets consumers’ needs. As part of this, the government is reforming the CCA. Working closely with the FCA, it will be considering how reform can enhance consumer understanding of credit products and credit agreements, leading to improved customer outcomes.</p> answering member printed Baroness Vere of Norbiton grouped question UIN HL1318 question first answered 21/12/2023 14:30:59 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee

1672030

registered interest
date	21/11/2023
answering body	Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Loans: Interest Rates
house id	2
legislature	25277 pref label House of Lords
question text	To ask His Majesty's Government whether the Financial Conduct Authority regularly undertakes spot checks of firms offering loans to ensure that the contract details accurately reflect the advertised annual percentage rate of the financial product.
tabling member printed	Earl Attlee
uin	HL457
answer	answer is ministerial correction date of answer 30/11/2023 answer text <p>The Financial Conduct Authority (FCA) is responsible for regulating the consumer credit market. It is part of a robust regulatory system which is helping to deliver the government’s vision for a well-functioning and sustainable consumer credit market which meets consumers’ needs.</p><p> </p><p>The FCA oversees firms through its supervision strategy. In the <em>FCA Mission – Approach to Supervision April 2019</em>, the FCA set out that to make the best use of its resources and deliver the greatest public value, it takes a proportionate approach to supervising firms. It supervises most firms as members of a portfolio of firms that share a common business model. It analyses each portfolio and agrees a strategy to take action on firms posing the greatest harm.</p><p> </p><p>Firms are required by FCA rules to include a representative APR in certain circumstances. The FCA’s handbook (CONC 3.5) provides further rules and guidance on when a representative APR must be shown, how it should be denoted and the level of prominence it must be given.</p><p> </p><p>While not all consumers will get the advertised APR, they should be told in advance of entering into the agreement what APR they have been offered and this will be shown in the pre-contract information required to be given under the Consumer Credit Act 1974.</p><p> </p><p>If a customer is concerned that they may have been mis-sold a credit agreement, they may wish to consider making a formal complaint to the firm in question in the first instance. If they then feel that their complaint has not been dealt with satisfactorily, they are able to refer the matter to the Financial Ombudsman Service (FOS) – an independent body set up to provide arbitration in such cases.</p> answering member printed Baroness Vere of Norbiton question first answered 30/11/2023 15:31:36 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee

1457013

registered interest
date	07/04/2022
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Railways: Portsmouth
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what discussions they have had with South Western Railway about reverting to providing two fast train services per hour each way between Waterloo and Portsmouth Harbour; and when they expect this will happen.
tabling member printed	Earl Attlee
uin	HL7789
answer	answer is ministerial correction date of answer 20/04/2022 answer text <p>There are currently no plans to reintroduce the second fast service between Portsmouth Harbour and London Waterloo as current demand does not warrant a return of that service. The Department and South West Railway (SWR) will continue to monitor capacity and demand levels on this line and across the network.</p> answering member printed Baroness Vere of Norbiton question first answered 20/04/2022 12:02:23 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee

1457014

registered interest
date	07/04/2022
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Railways: Portsmouth
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government how much taxpayer funding is being saved per month by having only one fast train per hour on the Waterloo to Portsmouth Harbour line rather than the two that were provided prior to the COVID-19 pandemic.
tabling member printed	Earl Attlee
uin	HL7790
answer	answer is ministerial correction date of answer 25/04/2022 answer text <p>Not running the second fast service between Portsmouth Harbour and Waterloo would be saving an estimated £3.6 million per annum. The Department and South West Railway (SWR) will continue to monitor capacity and demand levels on that line and across the network.</p><p> </p> answering member printed Baroness Vere of Norbiton question first answered 25/04/2022 14:40:02 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee

1421557

registered interest
date	09/02/2022
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	South Western Railway
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what discussions they have had with the holders of the South Western Railway franchise regarding the operation of the London to Portsmouth line; and when they expect that timetable to return to pre-pandemic regularity.
tabling member printed	Earl Attlee
uin	HL6111
answer	answer is ministerial correction date of answer 15/02/2022 answer text <p>South Western Railway will introduce a new timetable from Monday 21<sup>st</sup> February, which will reinstate services to pre-Omicron levels including the London to Portsmouth line. This follows reducing numbers of Omicron-related staff shortages and growing numbers of passengers returning to the railway.</p><p> </p> answering member printed Baroness Vere of Norbiton question first answered 15/02/2022 13:39:29 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee

1421081

registered interest
date	08/02/2022
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Electric Vehicles and Hybrid Vehicles: Accidents
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what (1) regulations, (2) protocols, or (3) engineering standards, require all the batteries of (a) an electric, or (b) a hybrid, vehicle in the UK to be automatically electrically isolated in the event of a collision; and if no such measures exist, what assessment they have made of whether they should be introduced.
tabling member printed	Earl Attlee
uin	HL6068
answer	answer is ministerial correction date of answer 17/02/2022 answer text <p>The UK is actively involved in the development of international regulations for road vehicle approval at the United Nations Economic Commission for Europe. These regulations take into account novel risks and potential safety concerns associated with hybrid and electric vehicles. The crashworthiness regulations have been amended to require hybrid and electric vehicles to have either an automatic disconnect for the high voltage system or for the electrical system integrity to be maintained after the vehicle undergoes regulated crash testing. A specific regulation dealing with electrical safety of vehicles has been updated to include provisions for the mechanical and electrical testing of the battery, its fire resistance and electrical insulation.</p><p> </p><p>The regulations do not require a means to confirm the isolation of the batteries following a serious collision because it is considered appropriate for those attending the scene to confirm by independent means that the vehicle does not present a hazard or risk. In support of this approach, the Department has developed a guidance document for operators involved in the recovery of hybrid and electric vehicles which will shortly be made available on GOV.UK. Alongside this work, the Department is an active member of Euro NCAP, which has introduced a mobile phone application that provides vehicle specific information for recovery professionals and emergency services to identify the location of key components of the high voltage system.</p> answering member printed Baroness Vere of Norbiton grouped question UIN HL6069 HL6070 question first answered 17/02/2022 10:49:06 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee

1421082

registered interest
date	08/02/2022
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Electric Vehicles and Hybrid Vehicles: Accidents
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what assessment they have made of whether there are any novel risks associated with (1) an electric, or (2) a hybrid, vehicle which has been involved in a serious collision; and what steps they have taken to mitigate any such risks.
tabling member printed	Earl Attlee
uin	HL6069
answer	answer is ministerial correction date of answer 17/02/2022 answer text <p>The UK is actively involved in the development of international regulations for road vehicle approval at the United Nations Economic Commission for Europe. These regulations take into account novel risks and potential safety concerns associated with hybrid and electric vehicles. The crashworthiness regulations have been amended to require hybrid and electric vehicles to have either an automatic disconnect for the high voltage system or for the electrical system integrity to be maintained after the vehicle undergoes regulated crash testing. A specific regulation dealing with electrical safety of vehicles has been updated to include provisions for the mechanical and electrical testing of the battery, its fire resistance and electrical insulation.</p><p> </p><p>The regulations do not require a means to confirm the isolation of the batteries following a serious collision because it is considered appropriate for those attending the scene to confirm by independent means that the vehicle does not present a hazard or risk. In support of this approach, the Department has developed a guidance document for operators involved in the recovery of hybrid and electric vehicles which will shortly be made available on GOV.UK. Alongside this work, the Department is an active member of Euro NCAP, which has introduced a mobile phone application that provides vehicle specific information for recovery professionals and emergency services to identify the location of key components of the high voltage system.</p> answering member printed Baroness Vere of Norbiton grouped question UIN HL6068 HL6070 question first answered 17/02/2022 10:49:06 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee

1421083

registered interest
date	08/02/2022
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Electric Vehicles and Hybrid Vehicles: Accidents
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government what (1) regulations, (2) protocols, or (3) engineering standards, that standardise the means of confirming electrical isolation of all the batteries of (a) an electric, or (b) a hybrid, vehicle in the event of a serious collision exist; and if no such measures exist, what assessment they have made of whether they should be introduced.
tabling member printed	Earl Attlee
uin	HL6070
answer	answer is ministerial correction date of answer 17/02/2022 answer text <p>The UK is actively involved in the development of international regulations for road vehicle approval at the United Nations Economic Commission for Europe. These regulations take into account novel risks and potential safety concerns associated with hybrid and electric vehicles. The crashworthiness regulations have been amended to require hybrid and electric vehicles to have either an automatic disconnect for the high voltage system or for the electrical system integrity to be maintained after the vehicle undergoes regulated crash testing. A specific regulation dealing with electrical safety of vehicles has been updated to include provisions for the mechanical and electrical testing of the battery, its fire resistance and electrical insulation.</p><p> </p><p>The regulations do not require a means to confirm the isolation of the batteries following a serious collision because it is considered appropriate for those attending the scene to confirm by independent means that the vehicle does not present a hazard or risk. In support of this approach, the Department has developed a guidance document for operators involved in the recovery of hybrid and electric vehicles which will shortly be made available on GOV.UK. Alongside this work, the Department is an active member of Euro NCAP, which has introduced a mobile phone application that provides vehicle specific information for recovery professionals and emergency services to identify the location of key components of the high voltage system.</p> answering member printed Baroness Vere of Norbiton grouped question UIN HL6068 HL6069 question first answered 17/02/2022 10:49:06 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee

1400555

registered interest
date	06/01/2022
answering body	Department for Transport
answering dept id	27
answering dept short name	Transport
answering dept sort name	Transport
hansard heading	Large Goods Vehicle Drivers: Qualifications
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty's Government how many Category (1) C, and (2) C+E, HGV drivers held a Driver’s Certificate of Professional Competence during the week commencing 3 January; and what was the equivalent figure for each of the last five years.
tabling member printed	Earl Attlee
uin	HL5160
answer	answer is ministerial correction date of answer 12/01/2022 answer text <p>The information requested is not currently available for the week commencing 3 January. On 27 November 2021, the most recent date for which data is available, the number of drivers with Category C and C+E driving entitlement who held a Certificate of Professional Competence is shown in the table below. The historic information requested is not held. Officials will write to The Noble Lord with the information from week commencing 3 January when it becomes available.</p><table><tbody><tr><td><p><strong>Category</strong></p></td><td><p><strong>Volume</strong></p></td></tr><tr><td><p>1. C</p></td><td><p>194,261</p></td></tr><tr><td><p>2. C and CE</p></td><td><p>420,562</p></td></tr><tr><td><p><strong>Total C and CE</strong></p></td><td><p><strong>614,823</strong></p></td></tr></tbody></table><p> </p><p><strong> </strong></p><p><strong> </strong></p><p><strong> </strong></p><p><strong> </strong></p> answering member printed Baroness Vere of Norbiton question first answered 12/01/2022 15:35:14 answering member 4580 label Biography information for Baroness Vere of Norbiton
tabling member	3425 label Biography information for Earl Attlee