{ "format" : "linked-data-api", "version" : "0.2", "result" : {"_about" : "https://eldaddp.azurewebsites.net/answeredquestions.text?date=2018-11-05&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2018-11-12T17%3A44%3A59.667Z", "definition" : "https://eldaddp.azurewebsites.net/meta/answeredquestions.text?date=2018-11-05&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2018-11-12T17%3A44%3A59.667Z", "extendedMetadataVersion" : "https://eldaddp.azurewebsites.net/answeredquestions.text?date=2018-11-05&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2018-11-12T17%3A44%3A59.667Z&_metadata=all", "first" : "https://eldaddp.azurewebsites.net/answeredquestions.text?date=2018-11-05&_page=0&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2018-11-12T17%3A44%3A59.667Z", "hasPart" : "https://eldaddp.azurewebsites.net/answeredquestions.text?date=2018-11-05&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2018-11-12T17%3A44%3A59.667Z", "isPartOf" : "https://eldaddp.azurewebsites.net/answeredquestions.text?date=2018-11-05&AnsweringBody.=Treasury&min-answer.questionFirstAnswered.=2018-11-12T17%3A44%3A59.667Z", "items" : [{"_about" : "http://data.parliament.uk/resources/1001947", "AnsweringBody" : [{"_value" : "Treasury"} ], "answer" : {"_about" : "http://data.parliament.uk/resources/1001947/answer", "answerText" : {"_value" : "
The EU Mortgage Credit Directive (MCD), which came into force in March 2016, prevents lenders waiving the affordability requirements when a borrower moves to a new lender. As a result some borrowers may find it harder to switch to a new lender to access lower rates.<\/p>
<\/p>
While we must comply with the MCD, the Financial Conduct Authority have put in place exemptions which allow lenders to waive affordability requirements for customers that are remortgaging with their existing lender but not increasing the size of their debt. In addition in July 2018, UK Finance, the Building Socieities Association, and the Intermediary Mortgage Lenders Association, announced a cross industry voluntary agreement. Under this agreement lenders undertook to write by the end of 2018 to any borrowers on the reversion rate who are up to date with payments, and have a minimum of 2 years and £10,000 left on their mortgage, to let them know they can access lower mortgage rates with their existing lender. Officials in the Treasury continue to work closely with the FCA and industry to explore what more can be done. <\/strong><\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4051", "label" : {"_value" : "Biography information for John Glen"}
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, "answeringMemberPrinted" : {"_value" : "John Glen"}
, "dateOfAnswer" : {"_value" : "2018-11-12", "_datatype" : "dateTime"}
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, "questionFirstAnswered" : [{"_value" : "2018-11-12T17:49:19.453Z", "_datatype" : "dateTime"}
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, "date" : {"_value" : "2018-11-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Mortgages: EU Law"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
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], "questionText" : "To ask the Chancellor of the Exchequer, what assessment he has made of the effect of the EU Mortgage Credit Directive on access to lower mortgage rates.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/114", "label" : {"_value" : "Biography information for Tim Loughton"}
}
, "tablingMemberConstituency" : {"_value" : "East Worthing and Shoreham"}
, "tablingMemberPrinted" : [{"_value" : "Tim Loughton"}
], "uin" : "187982"}
, {"_about" : "http://data.parliament.uk/resources/1001954", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1001954/answer", "answerText" : {"_value" : " The charge on disguised remuneration (DR) loans is targeted at artificial tax avoidance schemes where earnings were paid in the form of loans, often made by an offshore third party. These loans are not repaid in practice and so are no different to ordinary income and are, and always have been, taxable.<\/p> <\/p> It is unfair to ordinary taxpayers to let anybody continue to benefit from contrived tax avoidance of this sort, and that is why this government has taken action to ensure that everybody pays the taxes they owe. The charge, announced at Budget 2016, will arise on 5 April 2019. By then affected users will have had three years to organise their financial affairs.<\/p> <\/p> The Government recognises the charge on DR loans will have a significant impact on some individuals who have used DR schemes, particularly those who used them to avoid the most tax.<\/p> <\/p> HM Revenue and Customs (HMRC) are working to help people put things right. HMRC have published a simplified process for DR scheme users to spread payment of the tax they owe over 5 years if their current income is less than £50,000, and they are no longer in avoidance. Those with higher incomes or who need to pay over a longer period can also request extended payment periods, which will be tailored to individual circumstances. Anyone who is worried about being able to pay what they owe should contact HMRC as soon as possible.<\/p> <\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3935", "label" : {"_value" : "Biography information for Mel Stride"}
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, "answeringMemberConstituency" : {"_value" : "Central Devon"}
, "answeringMemberPrinted" : {"_value" : "Mel Stride"}
, "dateOfAnswer" : {"_value" : "2018-11-16", "_datatype" : "dateTime"}
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, "questionFirstAnswered" : [{"_value" : "2018-11-16T14:52:58.807Z", "_datatype" : "dateTime"}
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, "date" : {"_value" : "2018-11-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Tax Avoidance"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
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], "questionText" : "To ask the Chancellor of the Exchequer, what assessment he has made of the effect of the 2019 Loan Charge on individuals that had made financial plans on the basis of previous arrangements; and what support he is able to provide to those individuals.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4698", "label" : {"_value" : "Biography information for Janet Daby"}
}
, "tablingMemberConstituency" : {"_value" : "Lewisham East"}
, "tablingMemberPrinted" : [{"_value" : "Janet Daby"}
], "uin" : "188241"}
, {"_about" : "http://data.parliament.uk/resources/1001994", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1001994/answer", "answerText" : {"_value" : " Additional funds will be allocated to the Department for Education to meet the proportion of the expected £4.7 billion in additional pension costs that falls to them. The Department for Education are proposing to provide state-funded schools with funding to cover their additional pensions costs for the rest of this Spending Review period.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/4097", "label" : {"_value" : "Biography information for Elizabeth Truss"}
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, "answeringMemberPrinted" : {"_value" : "Elizabeth Truss"}
, "dateOfAnswer" : {"_value" : "2018-11-12", "_datatype" : "dateTime"}
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, "questionFirstAnswered" : [{"_value" : "2018-11-12T17:52:45.437Z", "_datatype" : "dateTime"}
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, "answeringDeptSortName" : {"_value" : "Treasury"}
, "date" : {"_value" : "2018-11-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Schools: Finance"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
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], "questionText" : "To ask the Chancellor of the Exchequer, with reference to paragraph 1.60 of the Budget 2018 Red Book, whether the funding for state-funded schools to cover pension costs will be allocated from the £4.7bn extra DEL in the reserve for 2019-20.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/4607", "label" : {"_value" : "Biography information for Stephanie Peacock"}
}
, "tablingMemberConstituency" : {"_value" : "Barnsley East"}
, "tablingMemberPrinted" : [{"_value" : "Stephanie Peacock"}
], "uin" : "188148"}
, {"_about" : "http://data.parliament.uk/resources/1002027", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1002027/answer", "answerText" : {"_value" : " As a responsible Government we continue to prepare for a range of outcomes and we are looking closely at how to ensure that businesses are clear on what they need to do and have the support they need to be as prepared as they can be in the time available, whilst not undermining the benefits of an implementation period.<\/p> <\/p> HMRC has already published Technical Notices covering Customs, Excise and VAT procedures, and has written on no deal arrangements to the 145,000 UK business over the VAT threshold, who currently only trade with the EU. Later in the year we intend to provide more information on what businesses should do to prepare.<\/p>"}
, "answeringMember" : {"_about" : "http://data.parliament.uk/members/3935", "label" : {"_value" : "Biography information for Mel Stride"}
}
, "answeringMemberConstituency" : {"_value" : "Central Devon"}
, "answeringMemberPrinted" : {"_value" : "Mel Stride"}
, "dateOfAnswer" : {"_value" : "2018-11-16", "_datatype" : "dateTime"}
, "isMinisterialCorrection" : {"_value" : "false", "_datatype" : "boolean"}
, "questionFirstAnswered" : [{"_value" : "2018-11-16T14:55:00.55Z", "_datatype" : "dateTime"}
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, "date" : {"_value" : "2018-11-05", "_datatype" : "dateTime"}
, "hansardHeading" : {"_value" : "Customs"}
, "houseId" : {"_value" : "1"}
, "legislature" : [{"_about" : "http://data.parliament.uk/terms/25259", "prefLabel" : {"_value" : "House of Commons"}
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], "questionText" : "To ask Mr Chancellor of the Exchequer, what steps his Department plans to take to help businesses manage (a) administrative and (b) tariff changes in UK customs after the UK leaves the EU.", "registeredInterest" : {"_value" : "false", "_datatype" : "boolean"}
, "tablingMember" : {"_about" : "http://data.parliament.uk/members/1514", "label" : {"_value" : "Biography information for Stewart Hosie"}
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, "tablingMemberConstituency" : {"_value" : "Dundee East"}
, "tablingMemberPrinted" : [{"_value" : "Stewart Hosie"}
], "uin" : "188056"}
, {"_about" : "http://data.parliament.uk/resources/1002049", "AnsweringBody" : [{"_value" : "Treasury"}
], "answer" : {"_about" : "http://data.parliament.uk/resources/1002049/answer", "answerText" : {"_value" : " Treasury Ministers and officials have meetings with a wide variety of organisations in the public and private sectors as part of the process of policy development and delivery.<\/p> <\/p> Details of ministerial and permanent secretary meetings with external organisations on departmental business are published on a quarterly basis and are available at:<\/p> <\/p>