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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

93095

registered interest
date	14/10/2014
answering body	HM Treasury
answering dept id	14
answering dept short name	Treasury
answering dept sort name	Treasury
hansard heading	Repossession Orders
house id	1
legislature	25259 pref label House of Commons
question text	To ask Mr Chancellor of the Exchequer, what his Department's policy is on the introduction of restrictions on the ability of banks and other mortgage lenders to repossess a home where that would make a family homeless.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	210330
answer	answer is ministerial correction date of answer 20/10/2014 answer text <p>The Government has put a number of protections in place to limit repossessions.</p><p> </p><p> </p><p> </p><p>It established the independent Financial Conduct Authority (FCA) and gave them the responsibility to put in place robust protections to ensure fair treatment of borrowers facing payment difficulties. The Department for Work and Pensions also provides help for pensioners and those out of work to meet their mortgage payments through Support for Mortgage Interest. In addition, all borrowers can seek protection in the Courts using the Mortgage Pre-Action Protocol, which makes it clear that repossession must always be the last resort for lenders.</p><p> </p><p> </p><p> </p><p>However, a well-functioning mortgage market will always need to keep the possibility of repossession open as a last resort. Without this option, lenders have no reliable security against which to lend and the likely consequence would be higher mortgage rates.</p><p> </p><p> </p><p> </p><p> </p><p> </p> answering member constituency South Northamptonshire answering member printed Andrea Leadsom question first answered 20/10/2014 10:43:10 answering member 4117 label Biography information for Andrea Leadsom
tabling member	410 label Biography information for Jon Trickett

93351

registered interest
date	14/10/2014
answering body	Ministry of Justice
answering dept id	54
answering dept short name	Justice
answering dept sort name	Justice
hansard heading	Office of the Public Guardian
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Justice, what recent assessment he has made of the effectiveness of the Office of the Public Guardian.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	210333
answer	answer is ministerial correction date of answer 20/10/2014 answer text <p>The Office of the Public Guardian (OPG) is an Executive Agency of the Ministry of Justice and is subject to regular meetings with me to review its effectiveness. The last meeting took place in June 2014.</p><p> </p><p>I am satisfied that the OPG is performing effectively. During 2013/14 they introduced an online tool for making lasting powers of attorney (LPA), reduced the statutory waiting and objection periods for LPA and, by introducing end-to-end case management, have streamlined the way in which they process applications. They have also reviewed and improved their regime for supervising court appointed deputies.</p><p> </p><p>The number of complaints received in 2013/14 reduced significantly to 3,549, compared with 11,617 complaints received in 2012/13 and 14,814 in 2011/12, despite a significant increase in caseloads across the OPG.</p><p> </p><p>The OPG is not complacent and has undertaken work to enable them to compare complaints by type, yielding more information about trends to help them address the issues and concerns raised by their customers.</p><p> </p><p>Details of the OPG’s performance are published in their annual report which can be found at: http://www.justice.gov.uk/downloads/publications/corporate-reports/OPG/opg-annual-report-accounts-2013-14.pdf</p><p> </p><p>Copies of the annual account and the OPG Framework document which sets out the arrangements for governance and accountability, have already been placed in the Library.</p> answering member constituency Bermondsey and Old Southwark answering member printed Simon Hughes question first answered 20/10/2014 13:50:11 answering member 194 label Biography information for Simon Hughes
tabling member	410 label Biography information for Jon Trickett

93369

registered interest
date	14/10/2014
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Personal Independence Payment
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, how many applications for personal independence payments have taken longer than 26 weeks to receive a decision.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	210331
answer	answer is ministerial correction date of answer 17/10/2014 answer text <p>Departmental statisticians are continuing to develop measures around clearance times and waiting times to ensure they provide a rounded and representative picture of PIP system performance, improvement activity and the claimants’ experience. These statistics will be published once/when they are ready, with the release pre-announced in line with United Kingdom Statistics Authority release protocols.</p> answering member constituency Forest of Dean answering member printed Mr Mark Harper grouped question UIN 210327 question first answered 17/10/2014 11:29:05 answering member 1520 label Biography information for Mr Mark Harper
tabling member	410 label Biography information for Jon Trickett

93370

registered interest
date	14/10/2014
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Personal Independence Payment
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what steps he has taken to ensure that personal independence payments applications are not delayed to the extent that supporting medical information becomes outdated.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	210332
answer	answer is ministerial correction date of answer 17/10/2014 answer text <p /> <p>We keep the time taken to process claims under constant review and we are absolutely committed to improving performance. We are already seeing improvements to our processes and outcomes and will continue to work further to reduce processing times and levels of work outstanding.</p> answering member constituency Forest of Dean answering member printed Mr Mark Harper question first answered 17/10/2014 11:29:50 answering member 1520 label Biography information for Mr Mark Harper
tabling member	410 label Biography information for Jon Trickett

93372

registered interest
date	14/10/2014
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Personal Independence Payment
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, how many people who have applied for personal independence payments are waiting to receive a decision.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	210334
answer	answer is ministerial correction date of answer 17/10/2014 answer text <p>The latest available data for personal independence payment claims, including details on the number of people who have applied for the benefit and the number of claims that have been cleared, have been published and are available from the GOV.UK website: <a href="https://www.gov.uk/government/statistics/personal-independence-payment-april-2013-to-july-2014" target="_blank">https://www.gov.uk/government/statistics/personal-independence-payment-april-2013-to-july-2014</a></p><p> </p><p> </p><p> </p> answering member constituency Forest of Dean answering member printed Mr Mark Harper question first answered 17/10/2014 11:00:35 answering member 1520 label Biography information for Mr Mark Harper
tabling member	410 label Biography information for Jon Trickett

92886

registered interest
date	13/10/2014
answering body	Department for Work and Pensions
answering dept id	29
answering dept short name	Work and Pensions
answering dept sort name	Work and Pensions
hansard heading	Personal Independence Payment
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Work and Pensions, what assessment he has made of the reasons for the current time being taken to award personal independence payments.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	210177
answer	answer is ministerial correction date of answer 20/10/2014 answer text <p /> <p>We keep the time taken to process claims under constant review and are absolutely committed to improving performance. We are already seeing improvements to our processes and will continue to work to further reduce processing times and levels of work outstanding.</p><p>By the autumn we expect no one to be waiting longer than 26 weeks for an assessment and by the end of the year no longer than 16 weeks, from the point that the Department receives a completed ‘’How Your Disability Affects You’’ form.</p> answering member constituency Forest of Dean answering member printed Mr Mark Harper question first answered 20/10/2014 16:38:29 answering member 1520 label Biography information for Mr Mark Harper
tabling member	410 label Biography information for Jon Trickett

92437

registered interest
date	10/10/2014
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	Business: Loans
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Business, Innovation and Skills, what recent assessment he has made of the adequacy of safeguards and warnings on business loans when residential properties are used as security.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	209859
answer	answer is ministerial correction date of answer 17/10/2014 answer text <p>Lending to smaller businesses is covered by The Lending Code which is monitored by the independent Lending Standards Board. The Code requires lenders to act fairly and reasonably in their dealings with small business customers, including ensuring that advertising and promotional material is fair, clear and not misleading. Before a customer accepts a credit product, the Code requires banks to provide information about how a product works and its main features in plain language which avoids the use of technical or legal language wherever possible. In the event of a complaint which cannot be resolved via the bank’s own complaints process, smaller businesses can refer the matter to the Financial Ombudsman Service.</p><p> </p><p> </p><p> </p><p>Formal regulation applies where a lender makes a loan for business purposes to an individual sole trader, or (in England and Wales) a partnership, and the loan is secured on the borrower's house or houses. These loans are treated as regulated mortgage contracts and are governed by Financial Conduct Authority conduct of business rules covering matters such as the advertising and selling of products, the provision of standard form documents (including key facts illustrations) and how lenders treat borrowers who are in arrears.</p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p><p> </p> answering member constituency West Suffolk answering member printed Matthew Hancock question first answered 17/10/2014 13:25:34 answering member 4070 label Biography information for Matt Hancock
tabling member	410 label Biography information for Jon Trickett

92538

registered interest
date	10/10/2014
answering body	Department for Environment, Food and Rural Affairs
answering dept id	13
answering dept short name	Environment, Food and Rural Affairs
answering dept sort name	Environment, Food and Rural Affairs
hansard heading	Pesticides
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Environment, Food and Rural Affairs, what research her Department has (a) commissioned and (b) assessed on levels of resistance of crops to protective chemicals sprayed on them by farmers.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	209860
answer	answer is ministerial correction date of answer 17/10/2014 answer text <p>Defra has not directly commissioned research on the levels of resistance of crops to protective chemicals sprayed on them by farmers because the Health and Safety Executive carries out an assessment of the impact of pesticide products on target and non-target plants. We can be confident in this work because under the European Union regulatory regime for pesticides, the Health and Safety Executive, as the UK pesticides regulator, assesses and authorises pesticide products for specific uses following comprehensive evaluations of detailed applications for authorisation from pesticide manufacturers.</p><p> </p> answering member constituency North Cornwall answering member printed Dan Rogerson question first answered 17/10/2014 13:52:38 answering member 1504 label Biography information for Dan Rogerson
tabling member	410 label Biography information for Jon Trickett

92604

registered interest
date	10/10/2014
answering body	Department of Health
answering dept id	17
answering dept short name	Health
answering dept sort name	Health
hansard heading	Ophthalmic Services: Dyslexia
house id	1
legislature	25259 pref label House of Commons
question text	To ask the Secretary of State for Health, what steps his Department is taking to support behavioural optometry services; and whether behavioural optometry is available through the NHS to support people with dyslexia.
tabling member constituency	Hemsworth
tabling member printed	Jon Trickett
uin	209888
answer	answer is ministerial correction date of answer 17/10/2014 answer text <p>Free National Health Service funded sight tests are available to eligible groups with the purpose of detecting signs of injury, disease or abnormality and giving an individual a written prescription for glasses or referring them to a doctor for further examination. Funding is also available under the NHS voucher scheme for the provision of spectacles with a prescription power to correct a defect of sight.</p><p> </p><p>Individuals with reading difficulties are encouraged to have their sight tested by an optometrist to check that there are no refractive problems or eye disease that may be contributing to their difficulties.</p><p> </p><p>Clinical commissioning groups are responsible for commissioning services to meet the needs of their local population. This could include services over and above the NHS sight test, such as behavioural optometry.</p><p> </p><p>As a learning difficulty, the responsibility for the policy on dyslexia rests with the Department for Education.</p><p> </p> answering member constituency Central Suffolk and North Ipswich answering member printed Dr Daniel Poulter question first answered 17/10/2014 13:27:52 answering member 3932 label Biography information for Dr Dan Poulter
tabling member	410 label Biography information for Jon Trickett