The Government is working closely with Ofgem, energy suppliers and consumer groups to develop a range of interventions to reduce energy debt and ensure consumers have access to effective debt advice.

Statistics related to deductions for households on Universal Credit are published. The relevant figures can be found in tables 6 and 7 of the Universal Credit deductions statistics March 2025 to February 2026, supplementary data tables here: Universal Credit quarterly statistics, 29 April 2013 to 12 February 2026 - GOV.UK

A narrative supporting the published deductions statistics is also available at Universal Credit deductions statistics March 2025 to February 2026 - GOV.UK

It has not proved possible to respond to the hon. Member in the time available before Prorogation.

This Government recognises and values the vital contribution made by carers in supporting some of the most vulnerable in society, including pensioners and disabled people. We are determined to provide unpaid carers with the support they need and deserve. From April 2025, the Government is boosting the Carer’s Allowance earnings threshold by £45 a week to £196, benefitting more than 60,000 carers by 2029/30. This is the biggest ever cash increase in the earnings threshold for Carer’s Allowance.

Claimants have a responsibility to ensure they are entitled to benefits they claim and to inform the DWP of any changes in their circumstances that could impact their award.

We understand that providing care can be a demanding role, which is why we are trialling new ways of communicating with customers to support them in fully understanding their responsibilities to report changes in their circumstances, such as employment, including through a trial of text message reminders.

An independent review into the issue of overpayments of Carer’s Allowance in cases where earnings have exceeded the entitlement threshold has begun. The review will investigate how overpayments of Carer’s Allowance related to earnings have occurred, how we can best support those who have accrued them, and how to reduce the risk of these problems occurring in future. Timelines and terms of reference were published on Gov.uk on 9 December for reference. We expect review findings and recommendations to be submitted to the Department in early summer 2025. Liz Sayce OBE, the Independent Reviewer, is keen to hear from interested parties.

Where overpayments do occur, the Department has a duty to the taxpayer to protect public funds and to ask for money to be paid back. We remain committed to working with anyone who is struggling with their repayment terms and will always look to negotiate sustainable and affordable repayment plans.

Information on the volume of customers with an outstanding Carers Allowance debt and the volume of customers with a Carer’s Allowance overpayment debt as a result of breaching the earnings limit is provided below. This will include people who are no longer receiving Carers Allowance, people who are no longer carers and people who made fraudulent claims and were never entitled to carers allowance.

The data has been sourced from internal DWP management information, which is intended only to help the Department to manage its business. It is not intended for publication and has not been subject to the same quality assurance checks applied to our published official statistics.

This Government recognises and values the vital contribution made by carers in supporting some of the most vulnerable in society, including pensioners and disabled people. We are determined to provide unpaid carers with the support they need and deserve. From April 2025, the Government is boosting the Carer’s Allowance earnings threshold by £45 a week to £196, benefitting more than 60,000 carers by 2029/30. This is the biggest ever cash increase in the earnings threshold for Carer’s Allowance.

Claimants have a responsibility to ensure they are entitled to benefits they claim and to inform the DWP of any changes in their circumstances that could impact their award.

We understand that providing care can be a demanding role, which is why we are trialling new ways of communicating with customers to support them in fully understanding their responsibilities to report changes in their circumstances, such as employment, including through a trial of text message reminders.

An independent review into the issue of overpayments of Carer’s Allowance in cases where earnings have exceeded the entitlement threshold has begun. The review will investigate how overpayments of Carer’s Allowance related to earnings have occurred, how we can best support those who have accrued them, and how to reduce the risk of these problems occurring in future. Timelines and terms of reference were published on Gov.uk on 9 December for reference. We expect review findings and recommendations to be submitted to the Department in early summer 2025. Liz Sayce OBE, the Independent Reviewer, is keen to hear from interested parties.

Where overpayments do occur, the Department has a duty to the taxpayer to protect public funds and to ask for money to be paid back. We remain committed to working with anyone who is struggling with their repayment terms and will always look to negotiate sustainable and affordable repayment plans.

Information on the volume of customers with an outstanding Carers Allowance debt and the volume of customers with a Carer’s Allowance overpayment debt as a result of breaching the earnings limit is provided below. This will include people who are no longer receiving Carers Allowance, people who are no longer carers and people who made fraudulent claims and were never entitled to carers allowance.

The data has been sourced from internal DWP management information, which is intended only to help the Department to manage its business. It is not intended for publication and has not been subject to the same quality assurance checks applied to our published official statistics.

County Lines is the most violent model of drug supply and a harmful form of exploitation. Gangs exploit children and vulnerable adults to move and store drugs and money, often using coercion, intimidation, violence - including sexual violence - and weapons to ensure compliance.

The Home Office funded County Lines Programme was launched in 2019 to tackle this violent and exploitative drug distribution model. Through the Programme we are funding specialist support providers to support victims of county lines gangs, including girls, to help them escape from exploitation.

In addition, this Government will also work closely with the voluntary and community sector to help sexually exploited people to exit prostitution.

To help support people at risk of being sexually exploited, Changing Lives has received £1.36m from the Home Office over three years (2022-2025) for their Net-Reach project, which provides online outreach, early intervention and intensive support for women and girls at high-risk of exploitation and abuse.

We are also providing funding to Trevi Women, who provide trauma-informed support to women wishing to exit on-street prostitution and survivors of VAWG crimes, remove barriers that prevent prostituted women from accessing necessary support. They also provide long-term support to reduce the likelihood of clients being further exploited.

In addition, the Modern Slavery Victim Care Contract provides support to adult potential and confirmed victims of modern slavery in England and Wales, including a support worker to help them access wider services, such as medical treatment, legal aid, legal representatives, and legal advice.

The Government strongly believes that consumers should be protected from unfair costs in the payday lending market to avoid them falling into problem debt. The Government therefore legislated to require the Financial Conduct Authority (FCA) to introduce a cap on the cost of payday loans, which came into force in 2015. In July 2017, the FCA released a Feedback Statement as part of its review of the high-cost credit market. This showed that the payday cap has been effective, leading to total savings of approximately £150 million for the 760,000 individuals using payday loans each year. Customers pay less, repay on time more often, and are less likely to need help from debt advice charities.

However, the Government recognises that some people will be struggling with their personal finances during these challenging times and may find themselves in problem debt. That is why the Government is maintaining record levels of free-to-client debt advice funding for the Money and Pensions Service in 2022/23. In addition to this, the Government launched the Breathing Space scheme in England and Wales last year. The scheme gives eligible people in problem debt who receive professional debt advice access to a 60-day period in which enforcement action is paused and most fees, charges and interest are frozen.

The Government also continues to develop the Statutory Debt Repayment Plan (SDRP), a statutory agreement that will enable a person in problem debt to combine their debts into a single repayment plan, with payments made over a manageable time period, while receiving legal protections from creditor action for the duration of their plan.

There are currently no plans to assess the potential merits of clearing a medical student's debt in return for that student committing to long-term work in general practitioner offices in England.

The Government established the Money Advice Service, which spent just under £49m last year to provide over 440,000 free-to-user debt advice sessions. And we are now creating a Single Financial Guidance Body to ensure consumers get better money and pensions guidance, and debt advice.

The Government is also committed to establishing a six-week breathing space scheme. It published a Call for Evidence on the scheme in October. An amendment to the Financial Guidance and Claims Bill gives the Government the ability to implement the scheme, after receiving advice on aspects of the scheme from the Single Financial Guidance Body.

The Government has fundamentally reformed regulation of the consumer credit market, which includes the credit card sector. Consumer credit regulation transferred from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) on 1 April 2014.

The FCA is currently undertaking a thorough review of the credit card market through its ‘credit card market study’. The market study is investigating three areas, one of which is the extent of unaffordable credit card debt. On 3 November 2015 the FCA published its interim report which found that the market was working reasonably well for most customers. However, the FCA expressed concern about the scale of potentially problematic debt in this sector, and the incentives for firms to manage this.

The interim report also included the FCA’s early thinking on potential remedies which include measures to give consumers more control over their credit limits, measures to encourage customers to pay off debt quicker when they can afford to, and proposals that firms do more to identify earlier those consumers who may be struggling to repay and take action to help them manage their repayments. The FCA is currently asking for feedback on the findings and potential remedies.

The Government is looking forward to the final report in Q3 2016, and would encourage interested parties to give their views to the FCA to assist it in addressing the issues it has identified.

The Government is currently consulting on its proposed scheme for student finance. As part of that consultation a number of questions are asked about student support. The Government will respond to the consultation in due course.

It is for the respective Governments in Northern Ireland, Scotland and Wales to consider such issues for their health system.

DECC officials have meetings with their counterparts in the Northern Ireland Executive on a regular basis to discuss market issues.

I welcome the use of smart technology, such as the introduction of keypad electricity prepayment meters in North Ireland, to help consumers manage their bills and reduce energy debt. The rollout of smart meters across Great Britain has the potential to transform customers’ experience in a similar way.

HM Treasury does not hold information on the number of people who accumulate credit card debt.

Publically available information on consumer credit, including credit card debt, is available up to Q4 2015 from the Bank of England. The most recent statistical release can be accessed at: http://www.bankofengland.co.uk/statistics/Pages/bankstats/2015/dec.aspx

In Q3 2015 household debt fell to 142 per cent of household income, down from its peak of 168 per cent in Q1 2008. The Government’s plan for a higher wage, lower welfare society makes it easier for families and working people to save, and includes the new National Living Wage which will mean a pay boost for 1.7 million workers this year.

Nonetheless, the Government recognises that there are those who face problem levels of debt. The Money Advice Service (MAS) is responsible for the coordination of publically funded free to client debt advice and is financed by a levy on the financial services industry. MAS is currently consulting on its business plan; it has proposed levying for a constant debt advice budget for 2016/17 providing around £45 million.

The Government is currently reviewing how the public provision of free-to-client, impartial financial guidance, including consumer debt advice services, should be structured. The Public Financial Guidance consultation closed in December 2015 and the Government will report back by budget.

Additionally, we have created the independent Financial Policy Committee within the Bank of England, to ensure emerging risks and vulnerabilities across the financial system as a whole, including in relation to household debt, are identified, monitored and effectively addressed.

In Q3 2015 household debt fell to 142 per cent of household income, down from its peak of 168 per cent in Q1 2008. The Government’s plan for a higher wage, lower welfare society makes it easier for families and working people to save, and includes the new National Living Wage which will mean a pay boost for 1.7 million workers this year.

Nonetheless, the Government recognises that there are those who face problem levels of debt. The Money Advice Service (MAS) is responsible for the coordination of publically funded free to client debt advice and is financed by a levy on the financial services industry. MAS is currently consulting on its business plan; it has proposed levying for a constant debt advice budget for 2016/17 providing around £45 million.

The Government is currently reviewing how the public provision of free-to-client, impartial financial guidance, including consumer debt advice services, should be structured. The Public Financial Guidance consultation closed in December 2015 and the Government will report back by budget.

Additionally, we have created the independent Financial Policy Committee within the Bank of England, to ensure emerging risks and vulnerabilities across the financial system as a whole, including in relation to household debt, are identified, monitored and effectively addressed.

The Government has fundamentally reformed regulation of the consumer credit market, which includes the credit card sector. Consumer credit regulation transferred from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) on 1 April 2014.

The FCA is currently undertaking a thorough review of the credit card market through its ‘credit card market study’. The market study is investigating three areas, including the extent of unaffordable credit card debt and how consumers can drive effective competition through shopping around and switching.

On the 3rd November 2015 the FCA published its interim report which found that the market was working reasonably well for most customers. However, the FCA expressed concern about the scale of potentially problematic debt in this sector, and the incentives for firms to manage this.

The interim report also included the FCA’s early thinking on potential remedies which include measures to give consumers more control over their credit limits, measures to encourage customers to pay off debt quicker when they can afford to, and proposals that firms do more to identify earlier those consumers who may be struggling to repay and take action to help them manage their repayments.

The FCA also set out potential measures to allow consumers to open access to their credit card usage to other market participants, as well as clarifying standards for price comparison websites, in order to facilitate shopping around and switching. The FCA is currently asking for feedback on the findings and potential remedies.

The Government is looking forward to the full report in the spring, and would encourage interested parties to give their views to the FCA to assist it in addressing the issues it has identified.

The Government has fundamentally reformed regulation of the consumer credit market, which includes the credit card sector. Consumer credit regulation transferred from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) on 1 April 2014.

The FCA is currently undertaking a thorough review of the credit card market through its ‘credit card market study’. The market study is investigating three areas, including the extent of unaffordable credit card debt and how consumers can drive effective competition through shopping around and switching.

On the 3rd November 2015 the FCA published its interim report which found that the market was working reasonably well for most customers. However, the FCA expressed concern about the scale of potentially problematic debt in this sector, and the incentives for firms to manage this.

The interim report also included the FCA’s early thinking on potential remedies which include measures to give consumers more control over their credit limits, measures to encourage customers to pay off debt quicker when they can afford to, and proposals that firms do more to identify earlier those consumers who may be struggling to repay and take action to help them manage their repayments.

The FCA also set out potential measures to allow consumers to open access to their credit card usage to other market participants, as well as clarifying standards for price comparison websites, in order to facilitate shopping around and switching. The FCA is currently asking for feedback on the findings and potential remedies.

The Government is looking forward to the full report in the spring, and would encourage interested parties to give their views to the FCA to assist it in addressing the issues it has identified.

Treasury Ministers and officials meet with a wide range of companies and organisations to discuss relevant issues.

Details of ministerial meetings with external organisations on departmental business are published on a quarterly basis and are available at: https://www.gov.uk/government/collections/hmt-ministers-meetings-hospitality-gifts-and-overseas-travel

he Government has fundamentally reformed regulation of the consumer credit market, which includes the credit card sector. Consumer credit regulation transferred from the Office of Fair Trading (OFT) to the Financial Conduct Authority (FCA) on 1 April 2014.

The FCA is currently undertaking a thorough review of the credit card market through its ‘credit card market study’. The market study is investigating three areas, one of which is the extent of unaffordable credit card debt. On the 3rd November 2015 the FCA published its interim report which found that the market was working reasonably well for most customers. However, the FCA expressed concern about the scale of potentially problematic debt in this sector, and the incentives for firms to manage this.

The interim report also included the FCA’s early thinking on potential remedies which include measures to give consumers more control over their credit limits, measures to encourage customers to pay off debt quicker when they can afford to, and proposals that firms do more to identify earlier those consumers who may be struggling to repay and take action to help them manage their repayments. The FCA is currently asking for feedback on the findings and potential remedies.

The Government is looking forward to the full report in the spring, and would encourage interested parties to give their views to the FCA to assist it in addressing the issues it has identified.