Debts: Advisory Services – written question Asked by The Lord Bishop of St Albans. Answer received 20th May 2021.
To ask Her Majesty’s Government, further to the findings in the Christian’s Against Poverty’s Our Story, Client Report 2021, published in April, that 45 per cent of clients did not initially know where to access help to manage their debts, what plans they have to better (1) signpost, and (2) raise awareness of, debt advice services as part of the recovery from COVID-19. [HL93]
Tag: debt
Financial Services Bill: Bishop of St Albans supports amendments to establish standards for debt collectors and to regulate online gambling
On 14th April 2021, the House of Lords debated amendments to the Financial Services Bill. The Bishop of St Albans spoke in support of an amendment seeking to introduce a regulatory body for debt collectors, and moved his own amendment which would establish greater autonomy for users on blocking online gambling purchases:
The Lord Bishop of St Albans [V]: My Lords, I shall speak to Amendment 16 and then address my own Amendment 27. The introduction of a regulatory body to oversee the rules governing the behaviour of bailiffs would greatly strengthen complaints handling for the victims of practices that fall outside the national guidelines. The FCA reported in its Financial Lives 2020 Survey that 3.8 million people in the UK are currently experiencing “financial difficulty”. It is a terrible situation that takes a significant toll on people’s health and relationships. This amendment seeks to address an important concern: the fair treatment of people by enforcement agents who collect debts, often from vulnerable people who are in grave financial distress.
The absence of an independent regulator means that, when breaches of national standards occur, any complaints will be dealt with through the company or a trade association, before possibly being passed on to an ombudsman. This is an arduous process that prevents complaints from being adequately actioned. Furthermore, these national standards are not legally binding, which obscures the extent to which an individual can seek redress. No industry is exempt from poor practice. While most enforcement agents will probably abide by national standards, nevertheless we need to make sure that they are properly regulated.
Continue reading “Financial Services Bill: Bishop of St Albans supports amendments to establish standards for debt collectors and to regulate online gambling”Bishop of St Albans asks Government about personal debt for those on low incomes due to coronavirus
On 22nd October the Bishop of St Albans received a written answer to a question of Government on personal debt as a consequence of coronavirus:
The Lord Bishop of St Albans: To ask Her Majesty’s Government how they intend to respond to reports of a low-income debt crisis emerging in the UK as a result of redundancies and income loss during the COVID-19 pandemic. [HL8988] Continue reading “Bishop of St Albans asks Government about personal debt for those on low incomes due to coronavirus”
Bishop of Rochester welcomes Government plans for breathing space for those with problem debt
On 6th October 2020 the House of Lords approved the Government’s Debt Respite Scheme (Breathing Space Moratorium and Mental Health Crisis Moratorium) (England and Wales) Regulations 2020. The Bishop of Rochester spoke in the debate, in support of the aim of the Regulations:
The Lord Bishop of Rochester: My Lords, I welcome the opportunity to speak in this debate, and I broadly and warmly welcome the provisions in these regulations. While the effects of the pandemic certainly give increased importance to these provisions, the issues are, of course, of very much longer standing. I pay tribute to organisations, including the Children’s Society, which have long campaigned on these matters, as well as to the honourable Member for Rochester and Strood, Kelly Tolhurst, my own Member of Parliament, who, before she was made a Minister, proposed a Private Member’s Bill in the other place to address some of these issues. Continue reading “Bishop of Rochester welcomes Government plans for breathing space for those with problem debt”
Church Commissioner Questions: covid-19, mental health, debt advice, youth work, online worship, overseas aid, racism
On 10th September 2020 MPs asked questions of the Church Commissioners, represented by Andrew Selous MP, Second Church Estates Commissioner. A full transcript is below:
The hon. Member for South West Bedfordshire, representing the Church Commissioners, was asked—
Covid-19: Mental Health
James Sunderland (Bracknell) (Con): What steps the Church of England is taking to support mental health during the covid-19 outbreak. [905855]
The Second Church Estates Commissioner (Andrew Selous): This is a timely question from my hon. Friend, on World Suicide Prevention Day. The Church’s healthcare chaplains work in both acute and community mental health services. The diocese of Manchester provides mental health wellbeing youth workers, to provide mental health first aid, and the parish of Goudhurst in Kilndown in Kent provides subsidised mental health counselling in 13 schools. Continue reading “Church Commissioner Questions: covid-19, mental health, debt advice, youth work, online worship, overseas aid, racism”
Bishop of Worcester asks Government about debt cancellation for poorer nations
On 11th June the Bishop of Worcester, the Rt Revd John Inge, asked Her Majesty’s Government “what steps they are taking to ensure that G20 countries cancel any debt owed to them by the poorest countries”.
Baroness Penn responded to his question: My Lords, the Government are concerned by debt vulnerabilities in developing countries, which Covid-19 has amplified. The Chancellor and his G20 counterparts agreed a historic suspension of debt repayments from the world’s poorest countries. This will see official creditors provide up to $12 billion of cash-flow relief to help countries respond to the health and economic impacts of Covid-19. It also provides time to assess what further assistance these countries may need as the full economic impact becomes clearer.
Continue reading “Bishop of Worcester asks Government about debt cancellation for poorer nations”Bishop of Leeds asks Government about suspension of debt payments from the world’s poorest countries
On 13th May, the Rt Revd Nick Baines, Bishop of Leeds, received a written answer from Lord Agnew of Oulton on the debt of developing countries.
Bishop of Leeds: HL3475 To ask Her Majesty’s Government what steps they are taking to ensure private creditors comply with the agreement reached by G20 leaders on 15 April to suspend debt payments owed by 77 of the world’s poorest countries, in particular those debts that fall under UK jurisdiction.
Bishop of Leeds asks Government to support halt on debt repayments for low-income developing countries during Covid-19 pandemic
On 12th May, the Rt Revd Nick Baines, Bishop of Leeds, received a written answer from Baroness Sugg on debt incurred because of COVID-19.
The Lord Bishop of Leeds: HL3474 To ask Her Majesty’s Government what assessment they have made of the letter published in the Financial Times on 14 April, and signed by 18 African and European leaders, which called for an immediate moratorium on all bilateral and multilateral debt payments, both public and private, until the COVID-19 pandemic has passed; and what plans they have, if any, to support that request.
Bishop of Leeds asks Government about suspending debt of developing countries during pandemic
On 12th May, the Rt Revd Nick Baines, Bishop of Leeds, received a written answer from Baroness Sugg on the debt of developing countries.
The Lord Bishop of Leeds: HL3476 To ask Her Majesty’s Government what discussions they have had with other G20 leaders to extend the agreement reached on 15 April, to suspend debt payments owed by 77 of the world’s poorest countries, to include the (1) the World Bank, and (2) the African Development Bank.
Bishop of Leeds welcomes Government announcement on ‘breathing space’ for people with problem debt
On 19th June 2019 a Government statement on new plans to help people dealing with problem debt was repeated in the House of Lords. The Bishop of Leeds, Rt Revd Nick Baines, welcomed the statement and asked a follow-up question:
Bishop of Leeds: My Lords, I welcome this Statement, and thank the Minister for repeating it. I also want to note the work that the Church of England and the Children’s Society have done promoting these matters. I am particularly pleased that public and utilities debt is to be included in this, but—taking advice from Donald Tusk, who said “Don’t waste the extension”—can the Minister say who will ensure that plans are put in place for sustainable debt resolution? It was said that debtors will have to seek professional advice. How will that be ensured, so that we do not simply prolong the problem of debt where it will be exacerbated? Secondly—and I am sorry if I missed this in the Statement—when might we expect the new regulations to be published?
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