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445782

registered interest
date	19/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts: Advisory Services
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what assessment they have made of the case for a mandatory fee model whereby Financial Conduct Authority authorised debt management firms charge a set fee for debt management plans; and what assessment they have made of how to prevent debt management companies from making additional charges.
tabling member printed	Lord Tunnicliffe
uin	HL5192
answer	answer is ministerial correction date of answer 02/02/2016 answer text <p>The Government has fundamentally reformed the regulation of the debt management market, transferring responsibility to the Financial Conduct Authority’s (FCA) more robust regime to better protect consumers.</p><p> </p><p>Any consideration of the state of the debt management market should properly await the outcome of the FCA’s authorisation assessment of commercial debt management firms, which is expected in the coming months.</p><p> </p><p>FCA rules make it clear that fees charged for debt management plans should not undermine the customer’s ability to make significant repayments to the customer’s lenders throughout the duration of the debt management plan.</p> answering member printed Lord O'Neill of Gatley grouped question UIN HL5193 question first answered 02/02/2016 15:18:42 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	3671 label Biography information for Lord Tunnicliffe

445783

registered interest
date	19/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts: Advisory Services
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what assessment they have made of the use of (1) monthly fee debt management plans; (2) percentage fee debt management plans; and (3) a combination of set fee and percentage debt management plans.
tabling member printed	Lord Tunnicliffe
uin	HL5193
answer	answer is ministerial correction date of answer 02/02/2016 answer text <p>The Government has fundamentally reformed the regulation of the debt management market, transferring responsibility to the Financial Conduct Authority’s (FCA) more robust regime to better protect consumers.</p><p> </p><p>Any consideration of the state of the debt management market should properly await the outcome of the FCA’s authorisation assessment of commercial debt management firms, which is expected in the coming months.</p><p> </p><p>FCA rules make it clear that fees charged for debt management plans should not undermine the customer’s ability to make significant repayments to the customer’s lenders throughout the duration of the debt management plan.</p> answering member printed Lord O'Neill of Gatley grouped question UIN HL5192 question first answered 02/02/2016 15:18:42 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	3671 label Biography information for Lord Tunnicliffe

445363

registered interest
date	18/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts: Advisory Services
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what assessment they have made of the Financial Conduct Authority’s thematic review <i>Quality of debt management advice</i>.
tabling member printed	Lord Tunnicliffe
uin	HL5127
answer	answer is ministerial correction date of answer 01/02/2016 answer text <p>The Government is concerned about problems in the debt management market, including the quality of advice which was highlighted by the Financial Conduct Authority’s (FCA) thematic review.</p><p> </p><p>This is why we reformed debt management regulation, transferring responsibility to the FCA’s more robust regime to better protect consumers. The FCA has put in place binding standards on firms and has a strong enforcement toolkit to take action against firms if these rules are broken.</p><p> </p><p>The FCA is currently scrutinising debt management firms as part of its authorisation process. Firms which do not meet the required standards will not be able to continue to provide debt management services.</p> answering member printed Lord O'Neill of Gatley question first answered 01/02/2016 15:51:22 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	3671 label Biography information for Lord Tunnicliffe

445364

registered interest
date	18/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts: Advisory Services
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what assessment they have made of (1) how many people have sought debt management advice in each year since 2010, and (2) how many of those were already in debt.
tabling member printed	Lord Tunnicliffe
uin	HL5128
answer	answer is ministerial correction date of answer 01/02/2016 answer text <p>These questions have been passed on to the Money Advice Service (MAS). MAS will reply to directly to the Noble Lord by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord O'Neill of Gatley grouped question UIN HL5129 HL5130 HL5131 HL5132 question first answered 01/02/2016 16:00:03 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	3671 label Biography information for Lord Tunnicliffe

445365

registered interest
date	18/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts: Advisory Services
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what assessment they have made of the extent to which debt management advice takes into account non-financial circumstances of an individual client, and what guidance they issue to those providing such advice about taking those circumstances into account.
tabling member printed	Lord Tunnicliffe
uin	HL5129
answer	answer is ministerial correction date of answer 01/02/2016 answer text <p>These questions have been passed on to the Money Advice Service (MAS). MAS will reply to directly to the Noble Lord by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord O'Neill of Gatley grouped question UIN HL5128 HL5130 HL5131 HL5132 question first answered 01/02/2016 16:00:04 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	3671 label Biography information for Lord Tunnicliffe

445366

registered interest
date	18/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts: Advisory Services
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what assessment they have made of the percentage of clients who had received debt management advice who successfully proceeded to the implementation of their chosen solution in each year since 2010.
tabling member printed	Lord Tunnicliffe
uin	HL5130
answer	answer is ministerial correction date of answer 01/02/2016 answer text <p>These questions have been passed on to the Money Advice Service (MAS). MAS will reply to directly to the Noble Lord by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord O'Neill of Gatley grouped question UIN HL5128 HL5129 HL5131 HL5132 question first answered 01/02/2016 16:00:04 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	3671 label Biography information for Lord Tunnicliffe

445367

registered interest
date	18/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts: Advisory Services
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government, for each year since 2010, what assessment they have made of the percentage of clients who, once they have received debt management advice and successfully proceeded to implementation, have required further debt management advice in the same financial year.
tabling member printed	Lord Tunnicliffe
uin	HL5131
answer	answer is ministerial correction date of answer 01/02/2016 answer text <p>These questions have been passed on to the Money Advice Service (MAS). MAS will reply to directly to the Noble Lord by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord O'Neill of Gatley grouped question UIN HL5128 HL5129 HL5130 HL5132 question first answered 01/02/2016 16:00:04 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	3671 label Biography information for Lord Tunnicliffe

445368

registered interest
date	18/01/2016
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Debts: Advisory Services
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what criteria they use to analyse the effectiveness of debt management advice.
tabling member printed	Lord Tunnicliffe
uin	HL5132
answer	answer is ministerial correction date of answer 01/02/2016 answer text <p>These questions have been passed on to the Money Advice Service (MAS). MAS will reply to directly to the Noble Lord by letter. A copy of the letter will be placed in the Library of the House.</p> answering member printed Lord O'Neill of Gatley grouped question UIN HL5128 HL5129 HL5130 HL5131 question first answered 01/02/2016 16:00:04 answering member 4536 label Biography information for Lord O'Neill of Gatley
tabling member	3671 label Biography information for Lord Tunnicliffe

392087

registered interest
date	22/07/2015
answering body	Attorney General
answering dept id	88
answering dept short name	Attorney General
answering dept sort name	Attorney General
hansard heading	Barclays
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government whether ministers have had any discussions with the Serious Fraud Office on a Deferred Prosecution Agreement with Barclays Bank regarding that bank’s rescue plan and fundraising in 2008; and if so, what was the nature of those discussions.
tabling member printed	Lord Tunnicliffe
uin	HL1842
answer	answer is ministerial correction date of answer 28/07/2015 answer text <p>The Law Officers frequently meet representatives of the Serious Fraud Office (SFO) to discuss a variety of issues. However, as was the case with previous Administrations, it is not the Government’s policy to provide details of all such meetings.</p><p> </p><p>The <em>Protocol between the Attorney General and the Prosecuting Departments</em> sets out the relationship between the Attorney General and the SFO. This is published on the Gov.uk website at <a href="https://www.gov.uk/government/publications/protocol-between-the-attorney-general-and-prosecuting-departments" target="_blank">https://www.gov.uk/government/publications/protocol-between-the-attorney-general-and-prosecuting-departments</a></p> answering member printed Lord Keen of Elie question first answered 28/07/2015 16:00:29 answering member 4538 label Biography information for Lord Keen of Elie
tabling member	3671 label Biography information for Lord Tunnicliffe

79534

registered interest
date	23/07/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	CaTreasury
hansard heading	Revenue and Customs
house id	2
legislature	25277 pref label House of Lords
question text	To ask Her Majesty’s Government what are the identified savings from current and planned reorganisations of HM Revenue and Customs, including the potential numbers of reductions in headcount by<i></i>region.
tabling member printed	Lord Tunnicliffe
uin	HL1432
answer	answer is ministerial correction date of answer 11/08/2014 answer text <p>HMRC is currently undertaking a programme of work to transform the services it provides to give its customers a modern, efficient service, delivered in a modern and flexible way that is convenient for them. To do this, HMRC needs to continue to become a smaller and more professional organisation that is able to maximise the revenues that pay for the UK’s public services, while making sustainable cost reductions and improving their customer service.</p><p> </p><p>Efficiencies required by the 2010 and 2013 Spending Reviews mean that HMRC’s staffing levels in relation to these plans alone will reduce to 54,000 Full Time Equivalent posts (FTE) by 2015 and to 52,000 FTE by 2016. Reduced staffing levels mean a reduced need for accommodation and HMRC has recently closed consultation on the proposed closure of 12 offices between now and December 2015. The decisions will be announced in the autumn.</p><p> </p><p>In addition to requiring efficiencies, the 2010 and 2013 Spending Reviews provide resources to increase revenue yield and to increase the department’s capacity for digital business and on–line services. In consequence, the costs arising from the changes HMRC is making are not readily identified and need to be considered against the savings achieved through improved working methods, increased revenue yield, reduced running costs and overall greater efficiency in the service it provides. All redundancy costs are made against strict value for money criteria.</p><p> </p><p>HMRC is still developing its plans for the future, including extensive discussions across the whole of the Department through a series of events designed to start conversations with all staff about building the future of the organisation.</p><p> </p><p>HMRC is consulting with its staff on the way forward through a nationwide series of face to face events known as ‘Building our Future’, attended by every individual within the Department. ‘Building our Future’ explains the changes being made, the background to them and includes group discussions at which individuals consider how they can contribute.</p><p> </p><p>HMRC remains strongly committed to providing services to the regions. It has for example recently introduced a new Needs Enhanced Support service. This includes a mobile advisory service to ensure that accessible and tailored advice is available to the 1.5 million customers who need extra help.</p><p> </p><p>Its longer term strategy continues to look to bring people together into Regional Centres, providing flexibility, improved efficiency, greater cost effectiveness and improved career development opportunities for its staff.</p><p> </p><p> </p><p>These will be drawn from its existing campus locations, where 80 per cent of the Department’s workforce is currently based. These centres will be supplemented by specialist sites, for location-specific work, and touchdown locations, where HMRC has a business need for a presence in a community.</p> answering member printed Lord Deighton grouped question UIN HL1433 HL1434 HL1435 question first answered 11/08/2014 10:24:57 answering member 4262 label Biography information for Lord Deighton
tabling member	3671 label Biography information for Lord Tunnicliffe