Canlyniadau 141–160 o 9870 ar gyfer speaker:Cathy Jamieson

Financial Conduct Authority Redress Scheme ( 4 Rha 2014)

Cathy Jamieson: The hon. Gentleman makes a good point, and some of the concerns and examples have been about banks that seemed to be selling products, but not outlining the potential for interest rates to drop or giving customers information about the bank’s own forecasts. We have real difficulties with such circumstances.

Financial Conduct Authority Redress Scheme ( 4 Rha 2014)

Cathy Jamieson: My hon. Friend makes a good point and I was going to say something about the circumstances that he and my hon. Friend the Member for Dumfries and Galloway (Mr Brown) mentioned and that element of compulsion. Clearly, many people felt that they had no option but to take those products or else they would not get the loan. As I am sure everyone understands, there are circumstances in which...

Financial Conduct Authority Redress Scheme ( 4 Rha 2014)

Cathy Jamieson: Indeed, the hon. Gentleman makes a useful point and similar circumstances have been brought to my attention of people who thought at the point of signature that all they were signing was a refinancing agreement, and they had not understood the full consequences. We must drill down on those issues to ensure that people get the justice they deserve. In some instances, product sellers painted...

Financial Conduct Authority Redress Scheme ( 4 Rha 2014)

Cathy Jamieson: My hon. Friend once again puts forth his points coherently. I am sure the Minister is considering her response. We must always look for unintended consequences. Did the review pull in all possible situations? Perhaps it could pull in more if the Minister is of a mind to look at things slightly differently. Non-advised sales perhaps strayed into advice. The FCA describes non-advice sales as...

Financial Conduct Authority Redress Scheme ( 4 Rha 2014)

Cathy Jamieson: I apologise, but I am at the limit of my time. Will the Minister please address the lack of an appeal process? Will she address tax treatment by HMRC and look at having a review of compensation levels? I look forward to hearing what she has to say.

Business of the House: Schedule 1 — Pension flexibility etc ( 3 Rha 2014)

Cathy Jamieson: It is with a heavy heart that I rise to speak for the last time on the Taxation of Pensions Bill. It has been such an enjoyable experience. I am not quite sure how I will fill my days in the next few weeks, given that I will no longer be poring over absolutely every detail of the legislation. It does not seem long ago that I spoke on Second Reading—in fact, it was only two short months ago....

Business of the House: Schedule 1 — Pension flexibility etc ( 3 Rha 2014)

Cathy Jamieson: I thank the Minister for bringing forward these amendments. We had a fair amount of debate and discussion in Committee on some of the issues, so I am not intending to ask him to go through each amendment, especially the minor and technical ones, in great detail. I recognise that Government amendments 9 to 39 were brought forward as a result of the comments and concerns that we and the...

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: The new clauses ask for reviews and monitoring, and that is exactly what we want. As we have said repeatedly during the Bill’s passage so far, our proposals should not be interpreted in any other way. When a Bill is put before us, it is important for us to scrutinise it and try to improve it, and that was my reason for tabling the new clauses. I am grateful to my hon. Friend the Member for...

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: It is a bit chicken-and-egg: until we do the analysis, we do not really know the extent of the problem. The solution would come once the problems were identified. The hon. Gentleman makes an important point about annuities; that takes me back to the issue that I raised about the opportunity for new products. There is a relatively short period of time in which to develop them. The industry, of...

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: I thank the hon. Gentleman for that intervention, as those are exactly the kind of detailed points that I hope the Minister will respond to when he gives his views on the provisions. These are exactly the sort of questions to ask: is that the type of tax avoidance that we have described and the AAT has suggested would be an issue? Is it possible? Is it an intended consequence of the Bill?...

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: I thank the hon. Gentleman for his intervention. I hope the Minister will provide a clear steer to people about what would be acceptable both to employers and employees. I would also be interested to learn what he plans to do if the system turns out not to be fair and proportionate, and what form the monitoring will take. That is why we have proposed new clause 1. We did debate the matter in...

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: My hon. Friend makes an important point. As I have said, we did have some of this debate in Committee. I know that the Minister, at various stages, has said that everything is under review and that all things are reviewed. What we seek to do is to put some structure around that so that all reports are brought back before the House. I think I have made my point in previous Bill Committees and...

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: The purpose of the monitoring is to determine whether the Bill has unintended consequences. We would want the process to deal with our concerns of whether the market responds to the changes and if the products that people have envisaged will be available. There is the oft-quoted example of what happened in Australia: people drew down money, but many found that they had not properly planned...

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: The hon. Gentleman makes a valuable point. The Public Bill Committee examined what options will be available to people and how we can ensure that the balance is right so that they are encouraged not only to take up pensions at the earliest possible stage, such as through auto-enrolment, but to think about planning for their long-term future. The aim was to ensure that people would not think...

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: I beg to move, That the clause be read a Second time.

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: It is a pleasure to be here this afternoon for Report stage and Third Reading, and I do not think I can quite do justice to the excitement and delight that I felt when I saw that the final stages were indeed to be taken straight after the autumn statement. I am sure that is a view shared by the Minister, who will also be grateful for this miraculous feat of scheduling. Given the vast numbers...

Business of the House: New Clause 1 — Impact on Government revenues ( 3 Rha 2014)

Cathy Jamieson: I thank my hon. Friend for his intervention. If I had continued my speech for another couple of lines, he would have understood that my praise was somewhat tongue in cheek, given what I am about to say about the haste with which the measures have been introduced, about the impact that that has had, and about the concerns expressed by the industry. I know that my hon. Friend is taking up these...

Written Answers — HM Treasury: Income Tax: Scotland ( 3 Rha 2014)

Cathy Jamieson: To ask Mr Chancellor of the Exchequer, how many people paid the (a) top rate, (b) higher rate and (c) basic rate of income tax in each Scottish parliamentary constituency in each of the last five years for which figures are available.

Written Answers — Home Office: Asylum: Scotland ( 2 Rha 2014)

Cathy Jamieson: To ask the Secretary of State for the Home Department, how many refugees have settled in Scotland in each of the last five years for which figures are available.

Written Answers — Home Office: Scottish Refugee Council ( 2 Rha 2014)

Cathy Jamieson: To ask the Secretary of State for the Home Department, when she last met the Scottish Refugee Council; and when the next meeting is planned.


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