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To ask Her Majesty's Government what assessment they have made of the increase in personal debt by individuals who have lost their jobs during the COVID-19 pandemic.
To ask Her Majesty's Government what assessment they have made of the increase in personal debt by individuals who have lost their jobs during the COVID-19 pandemic.
The Government works closely with the Money and Pensions Service to monitor financial difficulty through an annual survey and notes the Financial Conduct Authority’s biennial Financial Lives Survey.
The Government recognises that some people are struggling with their finances at this challenging time. To help people in problem debt get their finances back on track, an extra £37.8 million support package has been made available to debt advice providers this financial year, bringing this year's budget for free debt advice in England to over £100 million.
In May 2020, the Government announced the immediate release of £65 million of dormant assets funding to Fair4All Finance, an independent organisation that has been founded to support the financial wellbeing of people in vulnerable circumstances. The funding is used to increase access to fair, affordable and appropriate financial products and services for those in financial difficulties.
From May 2021, the Breathing Space scheme will offer people in problem debt a pause of up to 60 days on most enforcement action, interest, fees and charges, and will encourage them to seek professional debt advice.
The Government has delivered unprecedented support for living standards during this challenging time, protecting livelihoods with the Self-Employment Income Support Scheme (SEISS), the Coronavirus Job Retention Scheme (CJRS), and temporary welfare measures.
The Government has extended the CJRS until 31 March 2021. Eligible employees will continue to receive 80% of their usual salary for hours not worked, up to a maximum of £2,500 per month.
The Government has increased the overall level of the third grant under the SEISS to 80% of average trading profits, meaning that the maximum grant available has now increased to £7,500.
The Government has provided local authorities with £500 million to support people who may struggle to meet their council tax payments this year. The Government expects that this will provide all recipients of working age local council tax support with a further reduction in their annual council tax bill of £150 this financial year.
These measures are in addition to the changes this Government has made to make the welfare system more generous, worth over £7 billion according to recent estimates by the Office for Budget Responsibility.
The Government has worked with mortgage lenders, credit providers and the Financial Conduct Authority to ensure the financial sector provides support for people across the UK to manage their finances by providing payment holidays on mortgages and consumer credit products.
The Government has also delivered protections for renters, including an extension to the ban on bailiff evictions for all but the most egregious cases until at least 21 February 2021, with measures kept under review.
To ask Her Majesty's Government how much has been paid in payments under the Coronavirus Job Retention Scheme in each parliamentary constituency in Wales to date.
To ask Her Majesty's Government how much has been paid in payments under the Coronavirus Job Retention Scheme in each parliamentary constituency in Wales to date.
The value of claims split by Parliamentary Constituency is not available. The Coronavirus Job Retention Scheme provides funds to PAYE schemes to support employers to pay a proportion of the wages of furloughed staff. The registered address for PAYE schemes can be in a different area to that where their employees live and work. In addition, for PAYE schemes claiming for between 1 and 99 employments there has been no requirement to specify the amount claimed for each employment. As a consequence, it is not possible to provide reliable figures for the monetary value of the support provided by geographical area.
My Lords, I will address the NIC contribution matters in these regulations. I would have addressed the working tax credit point just made by the noble Lord, Lord Blunkett, but rather than repeating the point I will simply say “and I” and add amplification to it.
The standard uprating by CPI...
My Lords, I will address the NIC contribution matters in these regulations. I would have addressed the working tax credit point just made by the noble Lord, Lord Blunkett, but rather than repeating the point I will simply say “and I” and add amplification to it.
The standard uprating by CPI...
My Lords, I will make two points about measures in the Finance Bill. These are extraordinary times, and the only certainty is uncertainty—and, unfortunately, greater unemployment. As other noble Lords have said, local firms and UK
chains have faced a real battle competing with online companies based overseas which do...
My Lords, I will make two points about measures in the Finance Bill. These are extraordinary times, and the only certainty is uncertainty—and, unfortunately, greater unemployment. As other noble Lords have said, local firms and UK
chains have faced a real battle competing with online companies based overseas which do...
My Lords, at one level these regulations could be seen as a technical set to see us through to the end of the year in order to be compliant during transition. However, they raise some very substantive issues which set a pathway with much greater significance.
What we are legislating for...
My Lords, at one level these regulations could be seen as a technical set to see us through to the end of the year in order to be compliant during transition. However, they raise some very substantive issues which set a pathway with much greater significance.
What we are legislating for...
My Lords, before I address the remarks made by the noble Lord, Lord O’Neill, in his excellent opening speech, I should like to add a supporting measure to the comments on tourism made by the noble Baroness, Lady Liddell. As a Minister for economic affairs in Wales with responsibility for...
My Lords, before I address the remarks made by the noble Lord, Lord O’Neill, in his excellent opening speech, I should like to add a supporting measure to the comments on tourism made by the noble Baroness, Lady Liddell. As a Minister for economic affairs in Wales with responsibility for...
My Lords, I apologise to the House for missing the first few moments of this important debate. I congratulate my noble friend Lady Brinton on bringing it to the House.
From a perspective looking at the figures behind what is happening in the field of employment and unemployment, there are of...
My Lords, I apologise to the House for missing the first few moments of this important debate. I congratulate my noble friend Lady Brinton on bringing it to the House.
From a perspective looking at the figures behind what is happening in the field of employment and unemployment, there are of...
My Lords, I have a single question on determining the balancing act which the Minister has just talked about. However, my question is in multiple parts. No one is more enthusiastic than I about the raising of the income tax threshold. I have used it in many speeches in your...
My Lords, I have a single question on determining the balancing act which the Minister has just talked about. However, my question is in multiple parts. No one is more enthusiastic than I about the raising of the income tax threshold. I have used it in many speeches in your...
My Lords, perhaps I can pursue an issue which my noble friend talked about: policy weapons which can be used to promote growth in a sustainable way. The Government have acknowledged that infrastructure is one of those policy weapons and that moving decision-making locally is another. I wonder whether now...
My Lords, perhaps I can pursue an issue which my noble friend talked about: policy weapons which can be used to promote growth in a sustainable way. The Government have acknowledged that infrastructure is one of those policy weapons and that moving decision-making locally is another. I wonder whether now...
My Lords, I congratulate the noble Lord, Lord Barnett, on his fame in Wales. In fact, he is almost a household name, but not perhaps for the reasons for which he would like to be known. The Barnett formula now has a sort of infamy as it is referred to...
My Lords, I congratulate the noble Lord, Lord Barnett, on his fame in Wales. In fact, he is almost a household name, but not perhaps for the reasons for which he would like to be known. The Barnett formula now has a sort of infamy as it is referred to...
My Lords, perhaps I may add a few words of welcome for these regulations. They give effect to a significant commitment that this Government made to try to reduce the costs to business of employment, to try to make sure that those who are in employment at lower levels of...
My Lords, perhaps I may add a few words of welcome for these regulations. They give effect to a significant commitment that this Government made to try to reduce the costs to business of employment, to try to make sure that those who are in employment at lower levels of...