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To ask the Secretary of State for Energy Security and Net Zero, if she will make an estimate of the cost to the public purse of green deal mis-selling by Home Energy and Lifestyle Management Limited.
To ask the Secretary of State for Energy Security and Net Zero, if she will make an estimate of the cost to the public purse of green deal mis-selling by Home Energy and Lifestyle Management Limited.
In Green Deal mis-selling cases, my Right Hon. Friend the Secretary of State has power to reduce or cancel loans where there has been a breach of the relevant rules, and she is satisfied the consumer has suffered, or is likely to suffer, substantive loss. The financial impact of sanctions falls to the loan provider.
Public expenditure relating to mis-selling by Home Energy and Lifestyle Management Limited is limited to legal costs plus initial case reviews by the Financial Ombudsman Service, estimated at approximately £324,000. There are also staff and administration costs, but it is not possible to provide an estimate of these without incurring disproportionate cost.
Under the Government’s previous green deal scheme, more than 3,000 Home Energy and Lifestyle Management Systems customers in Scotland were mis-sold home improvement works, which were often unnecessary and always financially detrimental to the household. I have received assurances from various Ministers and Secretaries of State—who accepted that HELMS defrauded...
Under the Government’s previous green deal scheme, more than 3,000 Home Energy and Lifestyle Management Systems customers in Scotland were mis-sold home improvement works, which were often unnecessary and always financially detrimental to the household. I have received assurances from various Ministers and Secretaries of State—who accepted that HELMS defrauded...
To ask the Secretary of State for Business, Energy and Industrial Strategy, how many complaints he has received in relation to Green Deal mis-selling by Helms where the complainant was not the person in whose name the original credit agreement was made.
To ask the Secretary of State for Business, Energy and Industrial Strategy, how many complaints he has received in relation to Green Deal mis-selling by Helms where the complainant was not the person in whose name the original credit agreement was made.
The Department does not record data on the number of complaints about mis-selling of Green Deal Plans by Home Energy & Lifestyle Management Ltd (HELMS) received from complainants who did not enter the original credit agreement as the property âimproverâ. Complaints to my Rt, Hon. Friend the Secretary of State can be made under the Green Deal Framework regulations by original improvers or subsequent bill payers (other eligibility criteria must also met).
To ask the Secretary of State for Business, Energy and Industrial Strategy, whether complaints to his Department or the Green Deal Finance Company on Green Deal mis-selling are restricted by the amount of time elapsed since the signing of an agreement by a customer.
To ask the Secretary of State for Business, Energy and Industrial Strategy, whether complaints to his Department or the Green Deal Finance Company on Green Deal mis-selling are restricted by the amount of time elapsed since the signing of an agreement by a customer.
The legislative context within which redress can be sought in regard to mis-selling under the Green Deal is set out in The Green Deal Framework, based on provisions in the Energy Act 2011, Framework Regulations and Code of Practice.
Section 4.9 of the Green Deal Code of Practice lays out the time provisions within which a complaint must be made to be considered eligible. This confirms that a complaint must be made, by any category of person identified in the provisions, within six years of the date on which the alleged breach occurred. There are separate considerations where a complaint concerns matters relevant to specific Guarantees.
The Green Deal Finance Company, as a private company, have their own complaints procedure.
To ask the Secretary of State for Business, Energy and Industrial Strategy, what proportion of correspondence acknowledging receipt of a complaint on Green Deal loan mis-selling has been sent by his Department within 15 days in line with departmental targets.
To ask the Secretary of State for Business, Energy and Industrial Strategy, what proportion of correspondence acknowledging receipt of a complaint on Green Deal loan mis-selling has been sent by his Department within 15 days in line with departmental targets.
The Department does not record data on correspondence acknowledging receipt of a complaint on Green Deal loan mis-selling which has been sent by this Department. Complaints on Green Deal mis-selling can be received through a number of routes, including email, post, and official Department and Ministerial correspondence.
To ask the Secretary of State for Business, Energy and Industrial Strategy, whether people who have sent complaints to his Department on the mis-selling of Green Deal loans by Helms receive direct correspondence from the Financial Ombudsman Service in relation to their case.
To ask the Secretary of State for Business, Energy and Industrial Strategy, whether people who have sent complaints to his Department on the mis-selling of Green Deal loans by Helms receive direct correspondence from the Financial Ombudsman Service in relation to their case.
For complaints about mis-selling, the Financial Ombudsman Service is responsible for initial reviews. For many, but not all, complaints about other Green Deal matters, such as installation quality, the Green Deal Ombudsman is contracted to complete initial reviews.
In all cases, decisions regarding whether a breach has occurred and, if so, whether a sanction should be imposed, are the responsibility of my Rt. Hon. Friend the Secretary of State.
Complainants do not receive direct correspondence from the Financial Ombudsman Service as part of the reviews of complaints submitted to the Secretary of State. In addition to the work it completes on complaints to the Secretary of State, the Financial Ombudsman Service more generally handles Green Deal complaints about financing issues as part of its statutory role under the Financial Services and Markets Act 2000. Some such complaints may subsequently be referred to the Secretary of State for review and may be the subject of associated correspondence between the Financial Ombudsman Service and the complainant, but such correspondence stands outside of the formal review process.
To ask the Secretary of State for Business, Energy and Industrial Strategy, what redress is available for people who have inherited a property associated with a Green Deal loan where there is concern that the person from whom they inherited the property was potentially mis-sold that loan.
To ask the Secretary of State for Business, Energy and Industrial Strategy, what redress is available for people who have inherited a property associated with a Green Deal loan where there is concern that the person from whom they inherited the property was potentially mis-sold that loan.
Under the Green Deal Framework regulations, loans can be reduced or cancelled where there has been a breach of the relevant rules, and my Rt. Hon. Friend the Secretary of State is satisfied that the consumer has suffered, or is likely to suffer, a substantive loss. This applies to any complaint which meets the eligibility requirements regardless of whether it concerns a Green Deal Plan that was in place at a property prior to a complainant inheriting that property.
To ask the Secretary of State for Business, Energy and Industrial Strategy, how many Green Deal loan appeals in respect of Home Energy and Lifestyle Management Ltd have been referred to her Department for (a) less than three months, (b) between three and six months, (c) between six and nine...
To ask the Secretary of State for Business, Energy and Industrial Strategy, how many Green Deal loan appeals in respect of Home Energy and Lifestyle Management Ltd have been referred to her Department for (a) less than three months, (b) between three and six months, (c) between six and nine...
As of 3rd March 2020, there are 147 outstanding appeals, relating to the company Home Energy & Lifestyle Management Ltd (HELMS), which have been referred to my Rt. Hon. Friend the Secretary of State.
The Regulations require that, before imposing any sanction, the Secretary of State gives notice to affected parties of his intention to impose a sanction and provides them with an opportunity to make representations before it is made final. To date, 83 Intention Notices have been issued in respect of the outstanding HELMS appeals.
The tables attached provide details of the age of the outstanding appeals, broken down by (i) constituency, (ii) local authority area and (iii) NUTS first level region.
It is a pleasure to see you in the Chair, Madam Deputy Speaker. I have raised the issue of HELMS— Home Energy and Lifestyle Management Systems—and green deal mis-selling time and time again in this place. Business, Energy and Industrial Strategy Ministers have promised me that they would intervene to...
It is a pleasure to see you in the Chair, Madam Deputy Speaker. I have raised the issue of HELMS— Home Energy and Lifestyle Management Systems—and green deal mis-selling time and time again in this place. Business, Energy and Industrial Strategy Ministers have promised me that they would intervene to...
Green Deal Scheme
Apology accepted, Madam Deputy Speaker. I was pleased to hear your comments on that very important issue.
Nearly 300 households in my constituency have been affected by the utterly shameful mis-selling by Robert Skillen’s company, Home Energy and Lifestyle Management Systems—or HELMS, as it is better known—all carried out...
Green Deal Scheme
Apology accepted, Madam Deputy Speaker. I was pleased to hear your comments on that very important issue.
Nearly 300 households in my constituency have been affected by the utterly shameful mis-selling by Robert Skillen’s company, Home Energy and Lifestyle Management Systems—or HELMS, as it is better known—all carried out...
I could not agree more. The age at which some people entered 25-year agreements is shameful. That should never have been allowed. It was obviously known that that debt would ultimately just be tied to the house rather than to the individuals concerned. The reductions in payments ultimately go back...
I could not agree more. The age at which some people entered 25-year agreements is shameful. That should never have been allowed. It was obviously known that that debt would ultimately just be tied to the house rather than to the individuals concerned. The reductions in payments ultimately go back...
Motion that this House has considered home energy and lifestyle management systems and the Green Deal. Agreed to on question.
Motion that this House has considered home energy and lifestyle management systems and the Green Deal. Agreed to on question.
I beg to move,
That this House has considered home energy and lifestyle management systems and the Green Deal.
It is a pleasure to see you in the Chair, Mr Robertson. Before I start, I should apologise to you and those present: this morning’s speech will be brought to you by Halls...
I beg to move,
That this House has considered home energy and lifestyle management systems and the Green Deal.
It is a pleasure to see you in the Chair, Mr Robertson. Before I start, I should apologise to you and those present: this morning’s speech will be brought to you by Halls...
I could not agree more with my hon. Friend. We are not in a competition, but although the issue affected 169 people in her constituency, in mine 293 households received HELMS panels, out of more
than 3,000 in Scotland. Like her, I held my first public meeting on the issue...
I could not agree more with my hon. Friend. We are not in a competition, but although the issue affected 169 people in her constituency, in mine 293 households received HELMS panels, out of more
than 3,000 in Scotland. Like her, I held my first public meeting on the issue...
I could not agree more with my hon. Friend, the chair of the HELMS all-party group here at Westminster. I shall come to this, but the building warrants issue is complex. In fact, I apologise in advance for making a longer speech than I am accustomed to, because of so...
I could not agree more with my hon. Friend, the chair of the HELMS all-party group here at Westminster. I shall come to this, but the building warrants issue is complex. In fact, I apologise in advance for making a longer speech than I am accustomed to, because of so...
I just want to make Members aware that Mr Skillen has returned to the country—on a number of occasions, I think. Once he turned up at the Green Deal Finance Company to ask for the details of the customers who have contacted it, so that he could contact them directly,...
I just want to make Members aware that Mr Skillen has returned to the country—on a number of occasions, I think. Once he turned up at the Green Deal Finance Company to ask for the details of the customers who have contacted it, so that he could contact them directly,...
The Minister spoke about the compensation that effectively comes through the Green Deal Finance Company. Does she think it right that a private company, which had nothing to do with the initial mis-selling or scamming, is left to deal with this issue and possibly £20 million of compensation to consumers,...
The Minister spoke about the compensation that effectively comes through the Green Deal Finance Company. Does she think it right that a private company, which had nothing to do with the initial mis-selling or scamming, is left to deal with this issue and possibly £20 million of compensation to consumers,...
I appreciate the Minister’s response. Will she commit to answering in writing the questions that I asked? [Interruption.] For the record, she has nodded her head.
This has been an excellent and worthwhile debate. We have heard some shocking cases from across the country. The Minister’s admission that the scheme is...
I appreciate the Minister’s response. Will she commit to answering in writing the questions that I asked? [Interruption.] For the record, she has nodded her head.
This has been an excellent and worthwhile debate. We have heard some shocking cases from across the country. The Minister’s admission that the scheme is...