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93747

registered interest
date	16/10/2014
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	Enterprise Finance Guarantee Scheme
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 number of (a) cases of mediation undertaken between banks and individuals or companies and (b) outcome of mediation following use of the enterprise finance guarantee scheme.
tabling member constituency	Delyn
tabling member printed	Mr David Hanson
uin	210871
answer	answer is ministerial correction date of answer 24/10/2014 answer text <p>Operation of the Enterprise Finance Guarantee (EFG) is devolved by the Department for Business, Innovation and Skills (BIS) to the participating lenders. BIS monitors lenders’ administration of EFG but does not intervene in individual disputes between lenders and borrowers.</p><p> </p><p> </p><p> </p><p>If a borrower has a complaint regarding their loan they should initially follow their lender’s internal complaints process. If that does not provide a satisfactory outcome then in most cases they have the option of approaching the Financial Ombudsman Service.</p><p> </p><p> </p><p> </p><p>Use of mediation as a means of resolving any disputes which may have arisen between participating lenders and borrowers who have received an EFG-backed loan is a matter for the lender and borrower.</p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 24/10/2014 11:30:48 answering member 4070 label Biography information for Matt Hancock
tabling member	533 label Biography information for David Hanson

93748

registered interest
date	16/10/2014
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	Enterprise Finance Guarantee Scheme
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, how many complaints about the Enterprise Finance Guarantee Scheme his Department has received in each year since the inception of that scheme.
tabling member constituency	Delyn
tabling member printed	Mr David Hanson
uin	210872
answer	answer is ministerial correction date of answer 23/10/2014 answer text <p>Delivery of EFG is fully devolved to over 40 participating lenders, each of which has their own arrangements for handling customer complaints. The Department does not mediate in disputes between individual borrowers and lenders. Any business complaining to BIS or the British Business Bank is guided in the first instance to follow their lender’s complaints procedure. Upon exhaustion of that process the next step for dealing with an unresolved dispute in most instances will be to refer it to the Financial Ombudsman Service.</p><p> </p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 23/10/2014 13:08:39 answering member 4070 label Biography information for Matt Hancock
tabling member	533 label Biography information for David Hanson

93749

registered interest
date	16/10/2014
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	Enterprise Finance Guarantee Scheme
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, how many applications to the Enterprise Finance Guarantee Scheme have been (a) submitted, (b) approved and (c) terminated following approval by his Department since the inception of that scheme.
tabling member constituency	Delyn
tabling member printed	Mr David Hanson
uin	210873
answer	answer is ministerial correction date of answer 23/10/2014 answer text <p>Delivery of the Enterprise Finance Guarantee (EFG) is fully devolved to over 40 participating lenders. As such the Department for Business Innovation and Skills does not directly receive, approve or terminate any EFG applications.</p><p>Participating lenders do not report to the Department numbers of applications submitted or terminated. Since inception of the scheme in January 2009, participating lenders have made offers of 26,189 EFG-backed loans and other types of debt facilities.</p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 23/10/2014 13:09:56 answering member 4070 label Biography information for Matt Hancock
tabling member	533 label Biography information for David Hanson

93750

registered interest
date	16/10/2014
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	Working Conditions
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what steps his Department plans to take to ensure that companies are held responsible for labour conditions throughout their supply chains.
tabling member constituency	Birmingham, Hall Green
tabling member printed	Mr Roger Godsiff
uin	210900
answer	answer is ministerial correction date of answer 23/10/2014 answer text <p>Companies are held accountable by investors, consumers and civil society as well as governments for the way in which they conduct their operations, including labour conditions, and how they report on their actions in this regard.</p><p> </p><p> </p><p> </p><p>Since October 2013, quoted companies have been required to provide information in their Annual Report about social, community and human rights issues, including information about any policies of the company in relation to those matters and the effectiveness of those policies.</p><p> </p><p> </p><p> </p><p>The Department has negotiated at the European level to strengthen current human rights disclosure requirements and make them more specific. Provisions have now been agreed that will apply across all EU Member States from 2017 to large quoted companies and Public Interest Entities. My Department will shortly be consulting on the transposition of these measures into UK law.</p><p> </p><p> </p><p> </p><p>Additional disclosure requirements will be introduced in the Modern Slavery Bill. Big businesses will have to publicly state each year what action they have taken to ensure their supply chains are slavery free. This requirement goes further than any similar legislation in the world by applying to businesses regardless of the nature of a company or what it supplies, whether goods or services.</p><p> </p><p> </p><p> </p><p>In September 2013, the UK was the first country to publish a National Action Plan implementing the UN Guiding Principles on Business and Human Rights. The Action Plan underlines the duty of businesses to respect the human rights of their employees and those in their supply chains. My Department is taking action to develop guidance for businesses reporting on this obligation, beginning with the retail sector.</p><p> </p><p> </p><p>In order to toughen up our enforcement of the National Minimum Wage my Department has made it simpler to name and shame employers that break the law on the National Minimum Wage and has increased the financial penalty that employers pay for breaking the law from 50 per cent to 100 per cent of the unpaid wages owed to workers. The maximum penalty has also increased from £5,000 to £20,000 and will be applied per worker not per firm.</p> answering member constituency East Dunbartonshire answering member printed Jo Swinson question first answered 23/10/2014 16:23:04 answering member 1513 label Biography information for Jo Swinson
tabling member	304 label Biography information for Mr Roger Godsiff

93753

registered interest
date	16/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Business: Loans
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assistance the Government provides to enable a person to remain in a home against which a bank loan for a business has been secured when they have defaulted on that loan.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	210909
answer	answer is ministerial correction date of answer 22/10/2014 answer text <p>UK borrowers taking out a business loan secured on their home have a number of protections available to them.</p><p> </p><p> </p><p> </p><p>The Financial Conduct Authority (FCA) has responsibility for the regulation of mortgages secured by a first charge against a borrower’s home, regardless of the purpose of that loan. These regulations include consumer protections to ensure that repossession is only used as a last resort.</p><p> </p><p> </p><p> </p><p>Where borrowers are taking out a second charge loan of £25,000 or less for a business purpose they are also protected under the FCA’s regulatory regime for consumer credit. The Government is currently consulting on the transfer of the regulation of second charge mortgages to the same regime as first charge mortgages.</p><p> </p><p> </p><p> </p><p>In addition, all borrowers are provided protection in the Courts, through the use of the Mortgage Pre-Action Protocol, which requires a Court to ensure that the lender has taken all reasonable steps to resolve the borrower’s payment difficulties before granting a possession order.</p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 22/10/2014 15:31:52 answering member 4117 label Biography information for Andrea Leadsom
tabling member	410 label Biography information for Jon Trickett

93758

registered interest
date	16/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Debt Collection
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, if he will require HM Revenue and Customs to pause debt recovery action when a case has been accepted for investigation by the Adjudicator's Office and is awaiting a decision.
tabling member constituency	Bedford
tabling member printed	Richard Fuller
uin	210848
answer	answer is ministerial correction date of answer 22/10/2014 answer text <p>HMRC have no plans to change its current policy of treating each case on its merits. Where HMRC believe the debt should be paid they will ask the customer to make payment, and ultimately take recovery action, while the Adjudicator is investigating the complaint.</p><p> </p> answering member constituency South West Hertfordshire answering member printed Mr David Gauke question first answered 22/10/2014 15:28:05 answering member 1529 label Biography information for Mr David Gauke
tabling member	3912 label Biography information for Richard Fuller

93759

registered interest
date	16/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Aviation: Northern Ireland
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what assessment his Department has made of the potential effect on Northern Ireland of the operation of the Regional Air Connectivity Fund.
tabling member constituency	East Antrim
tabling member printed	Sammy Wilson
uin	210874
answer	answer is ministerial correction date of answer 22/10/2014 answer text <p>Airports across the UK play an important role in securing connectivity for local populations and contribute to local, regional and national economies. The aviation sector’s economic output to the whole UK economy in 2011 was approximately £18 billion, and it employs around 220,000 workers directly and supports many more indirectly. The Government has not made an assessment of the potential effects on Northern Ireland of the operation of the Regional Air Connectivity Fund. Airports in Northern Ireland will be able to apply for support from the Fund if they meet the qualifying criteria.</p><p> </p> answering member constituency Inverness, Nairn, Badenoch and Strathspey answering member printed Danny Alexander question first answered 22/10/2014 15:44:00 answering member 1535 label Biography information for Danny Alexander
tabling member	1593 label Biography information for Sammy Wilson

93760

registered interest
date	16/10/2014
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	Local Government Finance
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Communities and Local Government, what criteria his Department used to calculate recent changes in funding levels for local authorities.
tabling member constituency	Birmingham, Hall Green
tabling member printed	Mr Roger Godsiff
uin	210903
answer	answer is ministerial correction date of answer 23/10/2014 answer text <p>The methodology that determines the retained business rates and Revenue Support Grant for local authorities is set out in the Local Govenrment Finance report each year. The Report for 2014/15 is available at:<br><br>https://www.gov.uk/government/collections/final-local-government-finance-settlement-england-2014-to-2015/final-settlement-2014-to-2015-and-illustrative-settlement-2015-2016<br><br>I also refer the hon. Member to the Written Statement of 5 February 2014, Official Report, Column 19-21WS.</p> answering member constituency Keighley answering member printed Kris Hopkins question first answered 23/10/2014 15:56:58 answering member 4043 label Biography information for Kris Hopkins
tabling member	304 label Biography information for Mr Roger Godsiff

93761

registered interest
date	16/10/2014
answering body	Department for Culture Media and Sport
answering dept id	10
answering dept short name	Culture, Media and Sport
answering dept sort name	Culture, Media and Sport
hansard heading	Football
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Culture, Media and Sport, how many meetings his Department has had with football supporters' groups or organisations since July 2011; and if he will make a statement.
tabling member constituency	North Herefordshire
tabling member printed	Bill Wiggin
uin	210863
answer	answer is ministerial correction date of answer 23/10/2014 answer text <p>I meet regularly with a wide range of football organisations, including Supporters Direct and the Football Supporters Foundation. DCMS Ministers’ external meetings are published quarterly on the Departmental website</p><p> </p><p>https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/313639/Transparency_Declarations_Oct-Dec_2013_csv.csv/preview</p><p> </p><p>I continue to press the football authorities to better engage with their fans, but have been encouraged by the introduction of a designated Supporter Liaison Officer into each Premier League and Football League club.</p><p> </p><p> </p><p> </p> answering member constituency Maidstone and The Weald answering member printed Mrs Helen Grant question first answered 23/10/2014 12:32:26 answering member 4018 label Biography information for Mrs Helen Grant
tabling member	1428 label Biography information for Sir Bill Wiggin

93762

registered interest
date	16/10/2014
answering body	Department for Culture Media and Sport
answering dept id	10
answering dept short name	Culture, Media and Sport
answering dept sort name	Culture, Media and Sport
hansard heading	Football Association
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Culture, Media and Sport, how many meetings his Department has had with the Football Association since July 2011; and if he will make a statement.
tabling member constituency	North Herefordshire
tabling member printed	Bill Wiggin
uin	210864
answer	answer is ministerial correction date of answer 23/10/2014 answer text <p>I meet regularly with a wide range of football organisations including the Football Association to discuss a range of issues, including their governance of the sport. DCMS Ministers’ external meetings are published quarterly on the Departmental website:</p><p>https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/313639/Transparency_Declarations_Oct-Dec_2013_csv.csv/preview</p><p> </p><p>I continue to press for improvements in football governance; they have made welcome progress, but I expect them to maintain this momentum. If football fails to demonstrate that they can reform their own governance of the game, I will not hesitate to use all the powers at our disposal, including legislation if necessary, to support our national game.</p> answering member constituency Maidstone and The Weald answering member printed Mrs Helen Grant grouped question UIN 210866 question first answered 23/10/2014 12:29:20 answering member 4018 label Biography information for Mrs Helen Grant
tabling member	1428 label Biography information for Sir Bill Wiggin