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To ask the Chancellor of the Exchequer, if he will make an assessment of the potential merits of making costs associated with the organisation of remembrance services exempt from VAT.
To ask the Chancellor of the Exchequer, if he will make an assessment of the potential merits of making costs associated with the organisation of remembrance services exempt from VAT.
VAT has been designed as a broad-based tax on consumption, and the 20 per cent standard rate applies to the vast majority of goods and services.
It would be administratively challenging for suppliers to identify and apply a different VAT treatment to supplies based on the type of event and for HMRC to ensure that the VAT treatment and VAT accounting is applied correctly throughout the supply chain. Businesses and organisations in the supply chain are normally able to recover VAT on costs. However, they are unable to recover the VAT on costs used in making exempt or out of scope supplies.
The Government keeps all taxes under review and welcomes representations to help inform future decisions on tax policy, as part of the tax policy making cycle and Budget process.
Does the hon. Lady share my concerns about some of the practices and sales techniques that are used to get people to sign up to these plans? She has already mentioned that people are vulnerable, but when we read the small print in the glossy brochures that are provided, it...
Does the hon. Lady share my concerns about some of the practices and sales techniques that are used to get people to sign up to these plans? She has already mentioned that people are vulnerable, but when we read the small print in the glossy brochures that are provided, it...
Does the hon. Lady agree not only that it needs to be clear what people are purchasing, but that if the people selling the plans are receiving commission —in some of the examples I have come across, the third party selling them has been on commission—that should be clearly stated,...
Does the hon. Lady agree not only that it needs to be clear what people are purchasing, but that if the people selling the plans are receiving commission —in some of the examples I have come across, the third party selling them has been on commission—that should be clearly stated,...
It is a pleasure to serve under your chairmanship, Mrs Cummins. I thank the hon. Member for Telford (Lucy Allan) for securing this debate.
As the hon. Lady said, this debate concerns some of the most vulnerable people in our society. Do I agree with what she said about whether we...
It is a pleasure to serve under your chairmanship, Mrs Cummins. I thank the hon. Member for Telford (Lucy Allan) for securing this debate.
As the hon. Lady said, this debate concerns some of the most vulnerable people in our society. Do I agree with what she said about whether we...
I thank the Minister for his explanation. My fear and, I think, that of the hon. Member for Telford (Lucy Allan) is that there may well be other companies like Safe Hands out there that will not go down either of those routes, so I am interested to know what...
I thank the Minister for his explanation. My fear and, I think, that of the hon. Member for Telford (Lucy Allan) is that there may well be other companies like Safe Hands out there that will not go down either of those routes, so I am interested to know what...
Will the Minister give way?
Will the Minister give way?
I appreciate that the Minister has been very helpful with what he has described. However, my fear is that some of those small companies may keep trading and taking money off people when we know that they are not being regulated. Are we going to get to a date beyond...
I appreciate that the Minister has been very helpful with what he has described. However, my fear is that some of those small companies may keep trading and taking money off people when we know that they are not being regulated. Are we going to get to a date beyond...
To ask the Chancellor of the Exchequer, whether his Department plans to introduce new regulations for funeral plan providers, in response to Safe Hands Plans entering administration in March 2022.
To ask the Chancellor of the Exchequer, whether his Department plans to introduce new regulations for funeral plan providers, in response to Safe Hands Plans entering administration in March 2022.
In January 2021, the government legislated to bring all pre-paid funeral plan providers and intermediaries within the regulatory remit of the Financial Conduct Authority (FCA). This means that by 29 July 2022 all funeral plan providers must be authorised by the FCA.
Safe Hands Plans has recently gone into administration. I am aware that the current situation will be distressing for customers of Safe Hands and can assure you that the Treasury continues to monitor the implementation of regulation in this sector closely.
While the FCA does not yet regulate funeral plan providers, it is currently supporting the industry and administrators to see if a longer-term solution is possible for Safe Hands’ customers.
It is regrettable that bringing a previously unregulated sector into regulation – whatever form that may take – creates a possibility that some providers are not able to meet the threshold for authorisation. However, a well-regulated market should promote effective competition and drive better outcomes for consumers in the long-term.
Where a provider is unable to obtain FCA authorisation because of underlying issues, it is important to understand that this is not an issue created by bringing the sector into regulation. Rather, bringing the sector into regulation exposes these unsustainable business models and prevents these problems from getting worse and impacting more consumers.
The Government’s legislation has allowed for an 18-month transition period before the new regulatory regime comes fully into force on 29 July 2022. This transition period was intended to give existing providers sufficient time to prepare for the new regulatory requirements. The FCA’s guidance is clear that providers who are not seeking or not able to obtain authorisation should either transfer their existing plans to a provider which is seeking authorisation, or wind down in an orderly way before regulation starts.
To ask the Chancellor of the Exchequer, what support he is providing to members of the public whose funeral plans are with Safe Hands Plans.
To ask the Chancellor of the Exchequer, what support he is providing to members of the public whose funeral plans are with Safe Hands Plans.
In January 2021, the government legislated to bring all pre-paid funeral plan providers and intermediaries within the regulatory remit of the Financial Conduct Authority (FCA). This means that by 29 July 2022 all funeral plan providers must be authorised by the FCA.
Safe Hands Plans has recently gone into administration. I am aware that the current situation will be distressing for customers of Safe Hands and can assure you that the Treasury continues to monitor the implementation of regulation in this sector closely.
While the FCA does not yet regulate funeral plan providers, it is currently supporting the industry and administrators to see if a longer-term solution is possible for Safe Hands’ customers.
It is regrettable that bringing a previously unregulated sector into regulation – whatever form that may take – creates a possibility that some providers are not able to meet the threshold for authorisation. However, a well-regulated market should promote effective competition and drive better outcomes for consumers in the long-term.
Where a provider is unable to obtain FCA authorisation because of underlying issues, it is important to understand that this is not an issue created by bringing the sector into regulation. Rather, bringing the sector into regulation exposes these unsustainable business models and prevents these problems from getting worse and impacting more consumers.
The Government’s legislation has allowed for an 18-month transition period before the new regulatory regime comes fully into force on 29 July 2022. This transition period was intended to give existing providers sufficient time to prepare for the new regulatory requirements. The FCA’s guidance is clear that providers who are not seeking or not able to obtain authorisation should either transfer their existing plans to a provider which is seeking authorisation, or wind down in an orderly way before regulation starts.
To ask the Chancellor of the Exchequer, what assessment he has made of the effect of Safe Hands Plans entering administration on members of the public with existing policies with the company.
To ask the Chancellor of the Exchequer, what assessment he has made of the effect of Safe Hands Plans entering administration on members of the public with existing policies with the company.
In January 2021, the government legislated to bring all pre-paid funeral plan providers and intermediaries within the regulatory remit of the Financial Conduct Authority (FCA). This means that by 29 July 2022 all funeral plan providers must be authorised by the FCA.
Safe Hands Plans has recently gone into administration. I am aware that the current situation will be distressing for customers of Safe Hands and can assure you that the Treasury continues to monitor the implementation of regulation in this sector closely.
While the FCA does not yet regulate funeral plan providers, it is currently supporting the industry and administrators to see if a longer-term solution is possible for Safe Hands’ customers.
It is regrettable that bringing a previously unregulated sector into regulation – whatever form that may take – creates a possibility that some providers are not able to meet the threshold for authorisation. However, a well-regulated market should promote effective competition and drive better outcomes for consumers in the long-term.
Where a provider is unable to obtain FCA authorisation because of underlying issues, it is important to understand that this is not an issue created by bringing the sector into regulation. Rather, bringing the sector into regulation exposes these unsustainable business models and prevents these problems from getting worse and impacting more consumers.
The Government’s legislation has allowed for an 18-month transition period before the new regulatory regime comes fully into force on 29 July 2022. This transition period was intended to give existing providers sufficient time to prepare for the new regulatory requirements. The FCA’s guidance is clear that providers who are not seeking or not able to obtain authorisation should either transfer their existing plans to a provider which is seeking authorisation, or wind down in an orderly way before regulation starts.
The Secretary of State will know that a new medical examiner system has been introduced in many areas, including Durham. Their role is to look into deaths in hospitals, so they will be inundated if there is a large number of deaths.
Is there any provision in the Bill that...
The Secretary of State will know that a new medical examiner system has been introduced in many areas, including Durham. Their role is to look into deaths in hospitals, so they will be inundated if there is a large number of deaths.
Is there any provision in the Bill that...
Tomorrow afternoon, the funeral takes place of Acting Corporal Iain Dodds, formerly of the Royal Electrical and Mechanical Engineers. His family are obviously grieving. He died, very tragically, before Christmas, at the age of 39, following years of adjusting having left the service after serving in both Iraq and Afghanistan. May I put on the record my thanks to the Minister for the Armed Forces for helping the family with the funeral arrangements?
Tomorrow afternoon, the funeral takes place of Acting Corporal Iain Dodds, formerly of the Royal Electrical and Mechanical Engineers. His family are obviously grieving. He died, very tragically, before Christmas, at the age of 39, following years of adjusting having left the service after serving in both Iraq and Afghanistan. May I put on the record my thanks to the Minister for the Armed Forces for helping the family with the funeral arrangements?
I am very grateful to the right hon. Gentleman for his acknowledgment. In cases like this, it is absolutely right that, collectively across the House we should act in the way we have. I am delighted that we have managed to put things in place to help the family.
That this House notes that approximately 5,000 infants and children pass away each year in the UK; further notes that the cost of children's funerals imposes a significant and unexpected financial burden on bereaved parents; recognises that some local authorities, as well as religious officiants and undertakers, currently waive all or a proportion of the fees associated with children's funerals; further recognises that many individuals, community groups and schools undertake fundraising to cover such funeral costs; acknowledges that the total annual cost of fees associated with children's funerals is £10 million; and calls on the Government to establish a specific fund, from which local authorities can draw, to pay the costs associated with children's funerals.
That this House notes that approximately 5,000 infants and children pass away each year in the UK; further notes that the cost of children's funerals imposes a significant and unexpected financial burden on bereaved parents; recognises that some local authorities, as well as religious officiants and undertakers, currently waive all...
Does the hon. Lady agree that local authorities need to take into account the registration of deaths? I have heard of cases where people have had to register deaths at the same place where people were registering births. That is most upsetting for those parents.
Does the hon. Lady agree that local authorities need to take into account the registration of deaths? I have heard of cases where people have had to register deaths at the same place where people were registering births. That is most upsetting for those parents.
I know that the hon. Gentleman does not want to name individual charities, but Sands does a great job. The point raised with me by Ashleigh Corker, a north-east co-ordinator who lives in my constituency, is that one of the most powerful things that Sands can do is put parents...
I know that the hon. Gentleman does not want to name individual charities, but Sands does a great job. The point raised with me by Ashleigh Corker, a north-east co-ordinator who lives in my constituency, is that one of the most powerful things that Sands can do is put parents...
That this House is aware of the sterling work done by the Commonwealth War Graves Commission; notes that the recent inclement weather has had a devastating effect on Britain's communities with many areas damaged by severe flooding and high winds; reminds Ministers that 2014 marks the centenary of the start of the First World War and 75 years since the beginning of the Second World War, which has already placed major burdens on this organisation and its task to look after the many graves in its care throughout both the UK and other parts of the Commonwealth; and requests that the Government responds urgently and positively to this body's needs which are likely to be immense considering the weather damage done.
That this House is aware of the sterling work done by the Commonwealth War Graves Commission; notes that the recent inclement weather has had a devastating effect on Britain's communities with many areas damaged by severe flooding and high winds; reminds Ministers that 2014 marks the centenary of the start...