I refer the Hon. Member to the answer provided on 18 August in response to Question 18253.

The Government legislated in 2021 to bring pre-paid funeral plan providers and intermediaries within the regulatory remit of the Financial Conduct Authority (FCA). This made it illegal for firms to sell pre-paid funeral plans without authorisation from the FCA, protecting 1.6 million customers and their families.

In the preceding public consultation in 2019, the Government stated it had not seen evidence that plans offered by local authorities required regulation from a conduct or prudential perspective. The Government therefore proposed that local authorities should be excluded from FCA regulation, and this position was maintained in the consultation response published in March 2020. The Government is committed to regulating only where there is a clear case for doing so.

Pre-paid funeral plans bought from local authorities fall outside the remit of the Financial Services Compensation Scheme or the Financial Ombudsman Service. Residents who are unhappy with the service they have received can raise a complaint directly with their local authority. Where a complaint remains unresolved, residents in England can submit a complaint to the Local Government and Social Care Ombudsman.

The Government legislated in 2021 to bring pre-paid funeral plan providers and intermediaries within the regulatory remit of the Financial Conduct Authority (FCA). This made it illegal for firms to sell pre-paid funeral plans without authorisation from the FCA, protecting 1.6 million customers and their families.

In the preceding public consultation in 2019, the Government stated it had not seen evidence that plans offered by local authorities required regulation from a conduct or prudential perspective. The Government therefore proposed that local authorities should be excluded from FCA regulation, and this position was maintained in the consultation response published in March 2020. The Government is committed to regulating only where there is a clear case for doing so.

Pre-paid funeral plans bought from local authorities fall outside the remit of the Financial Services Compensation Scheme or the Financial Ombudsman Service. Residents who are unhappy with the service they have received can raise a complaint directly with their local authority. Where a complaint remains unresolved, residents in England can submit a complaint to the Local Government and Social Care Ombudsman.

The Government legislated in 2021 to bring pre-paid funeral plan providers and intermediaries within the regulatory remit of the Financial Conduct Authority (FCA). This made it illegal for firms to sell pre-paid funeral plans without authorisation from the FCA, protecting 1.6 million customers and their families.

In the preceding public consultation in 2019, the Government stated it had not seen evidence that plans offered by local authorities required regulation from a conduct or prudential perspective. The Government therefore proposed that local authorities should be excluded from FCA regulation, and this position was maintained in the consultation response published in March 2020. The Government is committed to regulating only where there is a clear case for doing so.

Pre-paid funeral plans bought from local authorities fall outside the remit of the Financial Services Compensation Scheme or the Financial Ombudsman Service. Residents who are unhappy with the service they have received can raise a complaint directly with their local authority. Where a complaint remains unresolved, residents in England can submit a complaint to the Local Government and Social Care Ombudsman.

The Government legislated in 2021 to bring pre-paid funeral plan providers and intermediaries within the regulatory remit of the Financial Conduct Authority (FCA). This made it illegal for firms to sell pre-paid funeral plans without authorisation from the FCA, protecting 1.6 million customers and their families.

In the preceding public consultation in 2019, the Government stated it had not seen evidence that plans offered by local authorities required regulation from a conduct or prudential perspective. The Government therefore proposed that local authorities should be excluded from FCA regulation, and this position was maintained in the consultation response published in March 2020. The Government is committed to regulating only where there is a clear case for doing so.

Pre-paid funeral plans bought from local authorities fall outside the remit of the Financial Services Compensation Scheme or the Financial Ombudsman Service. Residents who are unhappy with the service they have received can raise a complaint directly with their local authority. Where a complaint remains unresolved, residents in England can submit a complaint to the Local Government and Social Care Ombudsman.

Since 1 April 2024, under the price cap, Ofgem has levelised standing charges for prepayment meter and direct debit customers and implemented a process of cost reconciliation for suppliers. This reduces the standing charges of consumers with prepayment meters, while each direct debit consumer pays more than they would have otherwise done.

This ends the inequity of people with prepayment meters, many of whom are vulnerable, being charged more up-front for their energy than other consumers. The Government knows too much of the burden of the energy bill is placed on standing charges. We are working with Ofgem to address this.

The regulation of pre-paid funeral plans is a matter for the Financial Conduct Authority (FCA). Pre-paid funeral plans came under FCA regulation in July 2022, and so the FCA will not hold complaint data from before that date. The FCA will respond to the Honourable Member by letter with further detail, and a copy of the letter will be placed in the Library of the House of Commons.

Customers who are unable to top up their prepayment meter may be able to obtain a fuel voucher, access to emergency credit or be eligible for Cold Weather Payments, the Warm Home Discount or the Winter Fuel Payment. Customers should contact their energy supplier if they have concerns and information on support with paying energy bills can be found on Citizens Advice's website: https://www.citizensadvice.org.uk

On 19 June we announced that we are expanding the Warm Home Discount to around an additional 2.7 million households. This means that from this winter, around 6 million low-income households will receive the £150 support to help with their energy bills.

On 25 September we published a consultation setting out our intention to continue support for those 6 million households. The consultation sets out proposals for the next scheme period (up to winter 2030/31), after current regulations expire on 31 March 2026. Government is gathering feedback from stakeholders on:

• the design of the core elements of the scheme
• options for delivery of the scheme in Scotland
• proposals to change some elements of the scheme for suppliers
• a call for evidence on Industry Initiatives
• a call for suggestions for future improvements during the next scheme period

The consultation closes on Thursday 20 November.

The Government knows that too much of the burden of the bill is placed on standing charges. We are committed to lowering the cost of standing charges and have worked constructively with the regulator, Ofgem, on this issue.

Ofgem have been considering how to ensure that consumers have a range of choices, including tariffs with no standing charges, available, including for prepayment meter customers. Ofgem launched a consultation on proposals to introduce zero standing charge tariffs which closed on 20 March. Ofgem will issue a response to this consultation in due course.

We have campaigned tirelessly on this issue since this scandal came to light, and I am pleased to see justice is finally being delivered to many of the affected families. The Secretary of State urged Ofgem to accelerate work to deliver payments earlier this year, and on Wednesday 28 May Ofgem announced £18.6m of compensation for households affected by the involuntary installation of pre-payment meters (PPMs). Suppliers will pay £5.6million in compensation – using the guidelines set out by Ofgem – to 40,000 consumers that had an involuntary PPM installed during the assessment period. Suppliers will also write off a further £13million of debt from customers who had an involuntary PPM during the assessment period. I am pleased to see the level of compensation increase significantly from £420,000 in June 2024.

Ofgem has been working with suppliers to make sure suppliers are paying compensation in a fair and consistent way. Ofgem has also been negotiating with suppliers on offers of debt write-off, to make sure involuntary PPM customers directly benefit from this work. It is paramount that compensation payments are issued as quickly as possible, and we will continue to work with Ofgem and suppliers to ensure affected consumers are compensated in a timely manner.

Promotion of pre-payment certificates (PPCs) is carried out by the NHS Business Services Authority (NHSBSA), who promote the use of their online eligibility checker in the first instance, to enable people to check if they are entitled to free prescriptions or the NHS Low Income Scheme, before they purchase a PPC. They undertake PPC-specific communications activity such as:

- paid social media adverts, for instance running adverts in 2023/24 and 2024/25 to promote PPCs;

- posts on the Help with Health Costs Facebook and X channels promoting PPCs, with about one per week, amongst information about other exemptions;

- collaboration with NHS England to run a social media campaign promoting PPCs to people with certain medical conditions that aren’t covered by a medical exemption certificate;

- promotion of PPCs to pharmacy teams in a quarterly e-bulletin; and

- work with the media to place stories promoting PPCs, which are typically annual data-led media releases.

NHSBSA analysis shows that in 2023/24 an estimated 3.3 million patients received a prescription using a PPC, while the number of PPCs issued has steadily risen from approximately 2.29 million in 2018/19 to approximately three million in 2023/24, suggesting growing awareness. Additionally, the hormone replacement therapy PPC was introduced in 2023/24, and 566,000 certificates were issued in its first year.

I refer the honorable member to my response to UIN 41597.

Ofgem’s investigation into the involuntary installation of prepayment meters (PPMs) by British Gas is ongoing. This is a matter for Ofgem as the independent regulator, and it would not be appropriate for the government to comment on an ongoing investigation.

Ofgem’s investigation into the involuntary installation of prepayment meters (PPMs) by British Gas is ongoing. This is a matter for Ofgem as the independent regulator, and it would not be appropriate for the government to comment on an ongoing investigation.

In March 2023, British Gas previously confirmed that it installed 25,000 PPMs under warrant in 2022. If any of these installations were completed wrongfully then it is vital that affected customers are appropriately compensated.

Ofgem’s investigation into the involuntary installation of prepayment meters (PPMs) by British Gas is ongoing. This is a matter for Ofgem as the independent regulator, and it would not be appropriate for the government to comment on an ongoing investigation.