Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the HM Treasury:
To ask Her Majesty's Government, in each of the last six years, (1) how many times the Financial Conduct Authority (FCA) has asked a firm to outline how it calculates its annual percentage rates (APRs) except at the point of granting of authorisation; (2) where the FCA has discovered representative APR breaches, how many times it has required changes to a firm’s (a) website, and (b) product literature; and (3) how many firms have been referred to the enforcement division for resolution.
Answered by Lord Agnew of Oulton
This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.
Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the HM Treasury:
To ask Her Majesty's Government what independent information resource is available to consumers to check that representative APRs are fairly stated; and what action the Financial Conduct Authority advises customers to take where they are concerned they have been mis-sold under a representative APR that was not fairly stated.
Answered by Lord Agnew of Oulton
Firms are required by FCA rules to include a representative APR in certain circumstances. The FCA’s handbook provides further rules and guidance on when a representative APR must be shown, how it should be denoted and the level of prominence it must be given.
If an advertisement includes an interest rate or any amount relating to the cost of credit, it must also include a representative example. This must contain certain standard information including a representative APR. The example must be clear and concise and must be no less prominent than the information that triggered the inclusion of the example.
If a customer is concerned that they have been mis-sold a credit agreement, the customer can make a formal complaint to the firm in question in the first instance. If they feel that their complaint has not been dealt with satisfactorily, they are able to refer the matter to the Financial Ombudsman Service (FOS) – an independent body set up to provide arbitration in such cases.
Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the HM Treasury:
To ask Her Majesty's Government how many times the Financial Conduct Authority (FCA) has requested a firm to outline how it calculates its APR in the last six years, other than at the point granting authorisation; in any cases of representative APR breaches discovered, how many times the FCA has required changes to the firm’s website and product literature; and how many firms have been referred to the enforcement department for resolution.
Answered by Lord Agnew of Oulton
This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.
Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the HM Treasury:
To ask Her Majesty's Government why the Financial Conduct Authority has decided not to make independent periodic checks on the compliance of Financial Conduct Authority regulations by authorised firms, particularly the accuracy of key consumer protection information such as representative APR.
Answered by Lord Agnew of Oulton
This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.
Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the HM Treasury:
To ask Her Majesty's Government how many skilled persons reports under the Financial Services and Markets Act 2000 section 166 the Financial Conduct Authority has commissioned where the issue of representative APR has been the matter concerned, in each of the last six years.
Answered by Lord Agnew of Oulton
This question has been passed on to the Financial Conduct Authority (FCA). The FCA will reply directly to the noble Lord by letter. A copy of the letter will be placed in the Library of the House.
Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the Home Office:
To ask Her Majesty's Government what estimate they have made of the number of individuals holding an expired British passport.
Answered by Baroness Williams of Trafford - Shadow Chief Whip (Lords)
Data cannot be provided in accurate volumes. This is due to exceptions, including where a passport has not been automatically cancelled on renewal, and where a passport holder is deceased, and their passport record has not been updated.
Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the Home Office:
To ask Her Majesty's Government how many (1) 18–19 year olds, (2) 20–29 year olds, (3) 30–39 year olds, (4) 40–49 year olds, (5) 50–59 year olds, (6) 60–69 year olds, (7) 70–79 year olds, (8) 80–89 year olds, and (9) 90+ year olds, they estimate to hold an expired British passport.
Answered by Baroness Williams of Trafford - Shadow Chief Whip (Lords)
Data cannot be provided in accurate volumes. This is due to exceptions, including where a passport has not been automatically cancelled on renewal, and where a passport holder is deceased, and their passport record has not been updated.
Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the Department for Transport:
To ask Her Majesty's Government how many (1) 18–19 year olds, (2) 20–29 year olds, (3) 30–39 year olds, (4) 40–49 year olds, (5) 50–59 year olds, (6) 60–69 year olds, (7) 70–79 year olds, (8) 80–89 year olds, and (9) 90+ year olds, they estimate to hold an expired driving licence.
Answered by Baroness Vere of Norbiton
The tables below show the number of motorists holding a valid driving licence and those with an expired driving licence. The figures for expired licences do not include licences where the entitlement has been revoked or disqualified or where the Driver and Vehicle Licensing Agency has received a notification of death.
| Current Provisional Driving Licence | Current Full Driving Licence | Total |
Under 18 years old | 462,318 | 39,185 | 501,503 |
18 - 19 years old | 741,300 | 392,429 | 1,133,729 |
20 - 29 years old | 2,520,194 | 4,808,402 | 7,328,596 |
30 - 39 years old | 1,821,295 | 7,118,901 | 8,940,196 |
40 - 49 years old | 1,407,598 | 7,440,012 | 8,847,610 |
50 - 59 years old | 1,347,238 | 8,573,873 | 9,921,111 |
60 - 69 years old | 842,409 | 6,900,127 | 7,742,536 |
70 - 79 years old | 16,423 | 4,164,481 | 4,180,904 |
80 - 89 years old | 2,179 | 1,410,138 | 1,412,317 |
90 years and over | 104 | 132,573 | 132,677 |
Total | 9,161,058 | 40,980,121 | 50,141,179 |
Drivers with expired provisional driving licences | Drivers with expired full licences | Total |
1,278,221 | 3,669,231 | 4,947,452 |
| Expired Provisional Driving Licence | Expired Full Driving Licence | Total |
Under 18 years old | 109 | 10 | 119 |
18-19 years old | 1,138 | 1,134 | 2,272 |
20-29 years old | 29,711 | 39,755 | 69,466 |
30-39 years old | 63,643 | 77,325 | 140,968 |
40-49 years old | 75,451 | 81,943 | 157,394 |
50-59 years old | 76,886 | 99,674 | 176,560 |
60-69 years old | 52,804 | 89,343 | 142,147 |
70-79 years old | 512,104 | 1,450,408 | 1,962,512 |
80-89 years old | 306,819 | 1,123,896 | 1,430,715 |
90 years and over | 159,556 | 705,743 | 865,299 |
Total | 1,278,221 | 3,669,231 | 4,947,452 |
Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the Department for Transport:
To ask Her Majesty's Government how many individuals the DVLA estimate hold an expired driving licence.
Answered by Baroness Vere of Norbiton
The tables below show the number of motorists holding a valid driving licence and those with an expired driving licence. The figures for expired licences do not include licences where the entitlement has been revoked or disqualified or where the Driver and Vehicle Licensing Agency has received a notification of death.
| Current Provisional Driving Licence | Current Full Driving Licence | Total |
Under 18 years old | 462,318 | 39,185 | 501,503 |
18 - 19 years old | 741,300 | 392,429 | 1,133,729 |
20 - 29 years old | 2,520,194 | 4,808,402 | 7,328,596 |
30 - 39 years old | 1,821,295 | 7,118,901 | 8,940,196 |
40 - 49 years old | 1,407,598 | 7,440,012 | 8,847,610 |
50 - 59 years old | 1,347,238 | 8,573,873 | 9,921,111 |
60 - 69 years old | 842,409 | 6,900,127 | 7,742,536 |
70 - 79 years old | 16,423 | 4,164,481 | 4,180,904 |
80 - 89 years old | 2,179 | 1,410,138 | 1,412,317 |
90 years and over | 104 | 132,573 | 132,677 |
Total | 9,161,058 | 40,980,121 | 50,141,179 |
Drivers with expired provisional driving licences | Drivers with expired full licences | Total |
1,278,221 | 3,669,231 | 4,947,452 |
| Expired Provisional Driving Licence | Expired Full Driving Licence | Total |
Under 18 years old | 109 | 10 | 119 |
18-19 years old | 1,138 | 1,134 | 2,272 |
20-29 years old | 29,711 | 39,755 | 69,466 |
30-39 years old | 63,643 | 77,325 | 140,968 |
40-49 years old | 75,451 | 81,943 | 157,394 |
50-59 years old | 76,886 | 99,674 | 176,560 |
60-69 years old | 52,804 | 89,343 | 142,147 |
70-79 years old | 512,104 | 1,450,408 | 1,962,512 |
80-89 years old | 306,819 | 1,123,896 | 1,430,715 |
90 years and over | 159,556 | 705,743 | 865,299 |
Total | 1,278,221 | 3,669,231 | 4,947,452 |
Asked by: Lord McNicol of West Kilbride (Labour - Life peer)
Question to the Department for Transport:
To ask Her Majesty's Government how many (1) 18–19 year olds, (2) 20–29 year olds, (3) 30–39 year olds, (4) 40–49 year olds, (5) 50–59 year olds, (6) 60–69 year olds, (7) 70–79 year olds, (8) 80–89 year olds, and (9) 90+ year olds, hold a valid driving licence issued by the DVLA.
Answered by Baroness Vere of Norbiton
The tables below show the number of motorists holding a valid driving licence and those with an expired driving licence. The figures for expired licences do not include licences where the entitlement has been revoked or disqualified or where the Driver and Vehicle Licensing Agency has received a notification of death.
| Current Provisional Driving Licence | Current Full Driving Licence | Total |
Under 18 years old | 462,318 | 39,185 | 501,503 |
18 - 19 years old | 741,300 | 392,429 | 1,133,729 |
20 - 29 years old | 2,520,194 | 4,808,402 | 7,328,596 |
30 - 39 years old | 1,821,295 | 7,118,901 | 8,940,196 |
40 - 49 years old | 1,407,598 | 7,440,012 | 8,847,610 |
50 - 59 years old | 1,347,238 | 8,573,873 | 9,921,111 |
60 - 69 years old | 842,409 | 6,900,127 | 7,742,536 |
70 - 79 years old | 16,423 | 4,164,481 | 4,180,904 |
80 - 89 years old | 2,179 | 1,410,138 | 1,412,317 |
90 years and over | 104 | 132,573 | 132,677 |
Total | 9,161,058 | 40,980,121 | 50,141,179 |
Drivers with expired provisional driving licences | Drivers with expired full licences | Total |
1,278,221 | 3,669,231 | 4,947,452 |
| Expired Provisional Driving Licence | Expired Full Driving Licence | Total |
Under 18 years old | 109 | 10 | 119 |
18-19 years old | 1,138 | 1,134 | 2,272 |
20-29 years old | 29,711 | 39,755 | 69,466 |
30-39 years old | 63,643 | 77,325 | 140,968 |
40-49 years old | 75,451 | 81,943 | 157,394 |
50-59 years old | 76,886 | 99,674 | 176,560 |
60-69 years old | 52,804 | 89,343 | 142,147 |
70-79 years old | 512,104 | 1,450,408 | 1,962,512 |
80-89 years old | 306,819 | 1,123,896 | 1,430,715 |
90 years and over | 159,556 | 705,743 | 865,299 |
Total | 1,278,221 | 3,669,231 | 4,947,452 |