Graphic with dark background and bold text reading: "Eight days late. One overdraft later. Universal Credit’s idea of support."

Universal Credit is eight days late – and a bank account is in the red

Last Updated: September 30, 2025By

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Remember the Department for Work And Pensions’s mistake that meant I wasn’t paid Universal Credit because I didn’t reach a level of self-employed income I wasn’t expected to manage for a year?

The payment finally came through.

Eight days after it was due.

Eight days with no rent.

Eight days of uncertainty — while I waited for Universal Credit to fix an error of its own making.

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The DWP assures me that it has now corrected my claim, and I am told the system should behave itself for the rest of the “grace period” I was always supposed to have.

But that doesn’t undo what’s already happened.

The damage didn’t stop while I waited.

Life didn’t pause.

Bills didn’t wait.

And the result is that I’m now overdrawn at the bank — meaning I will be charged, simply for trying to build something independent while relying (briefly and reluctantly) on a system that’s meant to support people doing just that.

If you’ve ever thought about supporting Vox Political — the journalism, the videos, the platform — now would be a particularly good time.

🧾 You can do it here: https://ko-fi.com/voxpolitical

The message from the system is clear: try to build something on your own initiative, and you’re on your own.

But the message from readers — from you — has been very different.

The support after my last article was incredible. It reminded me why this work matters.

Thank you for reading — and for continuing to help Vox Political stand up when the system would rather we all stayed silent.

— Mike

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2 Comments


  1. 💬 Thanks for reading! If this article helped you see through the spin, please:

    🔁 Like this article? Share it or comment — it helps more than you know.

  2. Roy Davis June 18, 2025 at 9:44 am - Reply

    Mike, if their mistake cost you financially they must put it right.

    • Mike Sivier June 23, 2025 at 6:42 pm - Reply

      Agreed, and in fairness, when I told them that, they did not protest.

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