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416772

registered interest
date	04/09/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Insolvency
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will take steps to reform personal insolvency to make it easier for people who have been the subject of either bankruptcy or a Debt Relief Order to obtain a better credit rating afterwards.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	8702
answer	answer is ministerial correction date of answer 09/09/2015 answer text <p>The Government believes it is important that lenders act responsibly when deciding whether to grant credit, including checking the consumer’s ability to repay. Most lenders use Credit Reference Agencies (CRAs) to do this.</p><p> </p><p> </p><p> </p><p>Adverse information, such as details of bankruptcy or Debt Relief Orders, is normally held on a consumer’s credit report for six years. Details automatically disappear after this time has elapsed.</p><p> </p><p> </p><p> </p><p>Consumers can add a Notice to their credit report explaining any special circumstances which led to their financial difficulty and explaining how their situation has changed. A lender should take this into account when making lending decisions.</p><p> </p> answering member constituency West Worcestershire answering member printed Harriett Baldwin question first answered 09/09/2015 12:55:25 answering member 4107 label Biography information for Dame Harriett Baldwin
tabling member	4023 label Biography information for Karen Lumley

416773

registered interest
date	04/09/2015
answering body	Department for Education
answering dept id	60
answering dept short name	Education
answering dept sort name	Education
hansard heading	Personal, Social, Health and Economic Education
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Education, what provision is made in schools for young adults to learn about money management.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	8703
answer	answer is ministerial correction date of answer 09/09/2015 answer text <p>In September 2014, financial literacy was made statutory for the first time as part of the curriculum for citizenship education for 11 to 16 year olds. Pupils are taught the functions and uses of money, the importance of personal budgeting, money management and the need to understand financial risk.</p><p> </p><p> </p><p> </p><p>The government has recently introduced a Core Maths qualification that may be taken by post-16 students to prepare students for a variety of mathematical contexts they will encounter in future study, employment and life. This includes managing their personal finances.</p><p> </p><p> </p><p> </p><p>We have also strengthened the national curriculum for mathematics to give pupils aged 5 to 16 the necessary mathematical skills they need to make important financial decisions about mortgages and loan repayments.</p><p> </p><p> </p><p>The programme of study for citizenship and mathematics can be found online: <a href="http://www.gov.uk/government/collections/national-curriculum" target="_blank">www.gov.uk/government/collections/national-curriculum</a>.</p> answering member constituency Crewe and Nantwich answering member printed Edward Timpson question first answered 09/09/2015 16:26:55 answering member 1605 label Biography information for Edward Timpson
tabling member	4023 label Biography information for Karen Lumley

416774

registered interest
date	04/09/2015
answering body	Home Office
answering dept id	1
answering dept short name	Home Office
answering dept sort name	Home Office
hansard heading	Rape: West Midlands
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for the Home Department, what assessment she has made of the reasons for the increase in the number of rapes reported to the West Mercia Police from 2013-14 to 2014-15.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	8749
answer	answer is ministerial correction date of answer 09/09/2015 answer text <p>Rape and sexual violence are devastating crimes. We have made protecting women and girls from violence and supporting victims and survivors of sexual violence a key priority. We want victims to have the confidence to report these crimes, knowing they will get the support they need and that everything will be done to bring offenders to justice.</p><p>These are also under-reported crimes, and the Office for National Statistics report that recent increases in police recorded crime are likely to be due to improved recording by the police and an increase in the willingness of victims to come forward and report these crimes to the police. The number of prosecutions and convictions for rape are at their highest ever levels.</p><p>The Government continues to support improvements to the criminal justice system’s response to victims of sexual violence. We have supported the publication of data on rape for every police force in the country as a basis for improving recording and investigations of rape and ensure that guidance on investigating and prosecuting rape is implemented in every police force area. The Rape Action Plan, led by the Crown Prosecution Service and the police, is helping to ensure that every report of rape is treated seriously and every victim is given the help they deserve.</p> answering member constituency Staffordshire Moorlands answering member printed Karen Bradley question first answered 09/09/2015 15:34:22 answering member 4110 label Biography information for Dame Karen Bradley
tabling member	4023 label Biography information for Karen Lumley

419003

registered interest
date	01/09/2015
answering body	Wales Office
answering dept id	28
answering dept short name	Wales
answering dept sort name	Wales
hansard heading	Business: Wales
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Wales, what assessment he has made of the effect in Wales of the Government's measures to support businesses.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	901184
answer	answer is ministerial correction date of answer 16/09/2015 answer text <p>Our economic recovery continues to gather momentum with Welsh businesses thriving. There are now 22,000 more businesses in Wales than in 2010. This is testament to the ambition and success of this Government’s long-term plan for Wales and the UK.</p><p> </p> answering member constituency Preseli Pembrokeshire answering member printed Stephen Crabb question first answered 16/09/2015 14:18:32 answering member 1554 label Biography information for Stephen Crabb
tabling member	4023 label Biography information for Karen Lumley

388087

registered interest
date	07/07/2015
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Apprentices
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what support he is providing to businesses to help them take on an apprentice.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	6030
answer	answer is ministerial correction date of answer 14/07/2015 answer text <p>We are committed to 3 million apprenticeship starts during this parliament. Our priority is to work with employers to increase the number of apprenticeships they offer. The Government is investing £1.5 billion during the 2014/15 academic year.</p><p> </p><p> </p><p> </p><p>Apprenticeships are paid jobs with quality training. The Government currently fully funds apprenticeship training for 16 – 18 year olds and up to 50% of training for over 19s. In addition from April 2016 employers will not be required to pay employer National Insurance contributions for apprentices under 25 on earnings up to the upper earnings limit.</p><p> </p><p> </p><p> </p><p>The Apprenticeship Grant for Employers (AGE) currently helps small businesses (with less than 50 employees) to take on up to 5 new young apprentices aged 16 – 24 by providing payments of £1,500 per apprentice.</p><p> </p><p> </p><p> </p><p>The Government is introducing a UK-wide levy to help fund the increase in quantity and quality of apprenticeship training. The levy will raise money to fund increases in apprenticeship numbers and quality and will be entirely funded by the contributors.</p><p> </p> answering member constituency Grantham and Stamford answering member printed Nick Boles question first answered 14/07/2015 09:13:46 answering member 3995 label Biography information for Nick Boles
tabling member	4023 label Biography information for Karen Lumley

388114

registered interest
date	07/07/2015
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	National Insurance Contributions: West Midlands
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what recent assessment his Department has made of the effect of the employment allowance on businesses in the West Midlands.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	6026
answer	answer is ministerial correction date of answer 13/07/2015 answer text <p>HM Revenue and Customs (HMRC) publish bi-annual statistics on the take-up of the Employment Allowance. In the first year of the Employment Allowance, 2014-15, 89,000 employers in the West Midlands have benefitted. This equates to 90 per cent of eligible employers in the West Midlands.</p><p> </p><p> </p><p> </p><p><a href="https://www.gov.uk/government/statistics/employment-allowance-take-up-2014-to-2015-full-year-estimate" target="_blank">https://www.gov.uk/government/statistics/employment-allowance-take-up-2014-to-2015-full-year-estimate</a></p><p> </p><p> </p><p> </p><p>At the Summer Budget 2015 the Chancellor announced the Employment Allowance will be rising from £2,000 to £3,000 from April 2016.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 13/07/2015 13:49:49 answering member 1529 label Biography information for Mr David Gauke
tabling member	4023 label Biography information for Karen Lumley

388124

registered interest
date	07/07/2015
answering body	Department for Communities and Local Government
answering dept id	7
answering dept short name	Communities and Local Government
answering dept sort name	Communities and Local Government
hansard heading	Housing: Construction
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Communities and Local Government, what steps he has taken to increase house building by 2030.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	6003
answer	answer is ministerial correction date of answer 13/07/2015 answer text <p>This Government is committed to increasing housing supply and home ownership. We have already made progress - housing completions in the quarter to March 2015 are up 21% on the same quarter in the previous year; starts on new homes in the year to March 2015 totalled 140,500, the highest annual total since 2007; and planning permissions were granted for 261,000 homes in the year to March 2015 – but there is more to be done.<br><br>This year we will introduce a Housing Bill to unlock brownfield land to build new homes; provide the framework to deliver starter homes and extend Right to Buy to housing association tenants.<br><br>We will help builders to build: Public sector land has already been released to deliver over 109,000 new homes and over 100,000 homes have been supported through the £1.3 billion Large Sites programme. Over this Parliament we have ambitions to release public sector land for 150,000 homes; kick-start development in 20 Housing Zones outside London, which with 8 other shortlisted sites has the potential to deliver up to 45,000 new homes; create a £1 billion Brownfield Fund; and provide capacity funding to support the development of new garden settlements. We will support small and medium sized enterprises through the Builders’ Finance Fund (2015-17) and the £100 million Housing Growth Partnership with Lloyds Bank. We want to double the number of custom and self-built homes through ‘Right to Build’ and a £150 million fund for serviced plots.<br><br>Nearly 2 million households have been helped to realise aspirations to own their homes through Government-backed schemes. This Government will build 200,000 Starter Homes exclusively for first-time buyers under 40 years old, at a minimum of 20 per cent below open market value; extend Help to Buy Mortgages to 2020; and introduce a Help to Buy ISA to help people save for a deposit. Finally, we will give more people the chance to own their home by extending Right to Buy discounts to tenants of housing associations.</p> answering member constituency Great Yarmouth answering member printed Brandon Lewis question first answered 13/07/2015 14:13:45 answering member 4009 label Biography information for Sir Brandon Lewis
tabling member	4023 label Biography information for Karen Lumley

388299

registered interest
date	07/07/2015
answering body	Home Office
answering dept id	1
answering dept short name	Home Office
answering dept sort name	Home Office
hansard heading	Undocumented Migrants: Calais
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for the Home Department, what recent representations she has made to her French counterpart on the effect of illegal migration from Calais on the UK freight industry.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	5805
answer	answer is ministerial correction date of answer 20/07/2015 answer text <p>The Home Secretary regularly meets her French counterpart to discuss the current situation in Calais. The Home Secretary and French Interior Minister Bernard Cazeneuve set out a number of commitments in a joint declaration, on 20 September 2014, to tackle problems at the port of Calais. This included £12 million from the UK Government to help reinforce security. We continue to work with the French Government to implement the practical solutions that have been agreed. On 2 July, the Home Secretary and the French Interior Minister reaffirmed the determination of both countries to strengthen and complete their joint strategy to deal with this common challenge, including by increasing the intervention fund to secure access to the Channel Tunnel.</p><p>Driver safety is paramount; and it is in all our interests that goods are able to be transported to the UK secure against the harm that can be caused by clandestines. To that end the Home Secretary announced on 14 July the creation of a new secure buffer zone at the port of Calais for UK-bound lorries. This will provide a secure waiting area for 230 vehicles – the equivalent of removing a two-and-a-half mile queue from the approaching road.</p> answering member constituency Old Bexley and Sidcup answering member printed James Brokenshire question first answered 20/07/2015 09:49:40 answering member 1530 label Biography information for James Brokenshire
tabling member	4023 label Biography information for Karen Lumley

388312

registered interest
date	07/07/2015
answering body	Department for Business, Innovation and Skills
answering dept id	26
answering dept short name	Business, Innovation and Skills
answering dept sort name	Business, Innovation and Skills
hansard heading	Immigration Controls: France
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what assessment he has made of the effect on businesses of border delays at the Channel Tunnel on Channel ports.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	6027
answer	answer is ministerial correction date of answer 13/07/2015 answer text <p>Understanding the full cost to business would require a detailed analysis of their supply chains. This information can only be provided at disproportionate cost.</p><p> </p> answering member constituency Broxtowe answering member printed Anna Soubry question first answered 13/07/2015 15:50:14 answering member 3938 label Biography information for Anna Soubry
tabling member	4023 label Biography information for Karen Lumley

387767

registered interest
date	06/07/2015
answering body	Attorney General
answering dept id	88
answering dept short name	Attorney General
answering dept sort name	Attorney General
hansard heading	Sentencing: Appeals
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Attorney General, on how many occasions his Department has referred a criminal sentence to the Court of Appeal for review because it was felt to be unduly lenient in 2015.
tabling member constituency	Redditch
tabling member printed	Karen Lumley
uin	5701
answer	answer is ministerial correction date of answer 13/07/2015 answer text <p>In the year to 31<sup>st </sup>December 2014, the Law Officers personally considered 469 cases and referred 128 offenders to the Court of Appeal under the unduly lenient sentence scheme. Leave was granted by the Court in 95% of cases which included some of the most serious violent and sexual offences, including murder, rape and sexual assault.</p><p> </p><p> </p><p>The Attorney General’s Office publishes statistics for unduly lenient sentences at the end of the calendar year. This is to ensure that the figures are released in a consistent format and are accurate and quality assured. Unduly lenient sentences statistics for 2013 and 2014 are published on the Attorney General’s Office website - <a href="http://www.gov.uk/government/organisations/attorney-generals-office" target="_blank">www.gov.uk/government/organisations/attorney-generals-office</a>.</p> answering member constituency Kenilworth and Southam answering member printed Jeremy Wright question first answered 13/07/2015 08:38:15 answering member 1560 label Biography information for Sir Jeremy Wright
tabling member	4023 label Biography information for Karen Lumley