Question to the Department for Business and Trade:

To ask the Secretary of State for Business and Trade, what steps his department is taking to help ensure that businesses sympathetically consider when their customers are receiving palliative care in debt recovery and repossession cases.

The Government recognises the importance of responsible and fair practices for debt recovery and understands the negative impact that aggressive or wrongful pursuit of debt can have on individuals. Firms which collect on consumer credit agreements or mortgages must be regulated by the Financial Conduct Authority (FCA) which expects firms to treat customers fairly and has a range of supervisory and enforcement tools to address breaches of its rules. The FCA also requires that firms consider customer vulnerability, including health conditions, to ensure staff have the right skills and capability to respond.

The Government also has a number of measures in place to help people to avoid repossession, as well as providing protection in the courts through the Pre-Action Protocol, which makes it clear that repossession must always be the last resort for lenders.