Campaigns. It is important that I continue to know the strength of feeling on an issue and I prefer to respond to every inquiry, but the sheer size of campaign correspondence means that it is hard to justify to the tax payer the cost and time taken for individual written replies, so regrettably I will no longer reply to every item of campaign correspondence.  I will  post a response to the campaign on the "Responses to campaigns" page of my website.

I am sorry to do this, as it is rather impersonal, but can see no other way of maintaining a good service for all my constituents unless I approach campaigns this way.

09 JAN 2018

Breathing Space

Thank you very much for taking the time to email me about families in debt.

I understand your concern on this matter and I hope the following information on this topic from the Treasury is of interest:

The Government is committed to introducing 'breathing space' that would give heavily indebted consumers a period of respite from enforcement action and further interest and charges, for a period of up to six weeks. Ministers have launched a call for evidence to gain as much insight as possible from lenders, the debt advice sector and other stakeholders about how best to design a breathing space scheme. This consultation closes on 16th January 2018.
A number of steps have also been taken to reform consumer credit, including taking action on high-cost short-term credit, and a comprehensive Financial Conduct Authority study into the credit card market.
It is important to improve the help and advice available to those who may face debt problems. In 2016-17 the Money Advice Service put £45 million towards debt advice in the UK, which funded over 380,000 appointments.
Measures have also been taken to encourage household saving, including the Help to Save scheme for those on low incomes, and the new personal savings allowance.

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