Tag Archives: loan

Universal Credit is increasing debt and failing disabled people, says SNP

Protest: This is still the most appropriate image for the way the benefit system attacks people with disabilities. story below [Image: VoidOne.].

The SNP has renewed calls to make Universal Credit advance payments non-repayable grants instead of loans after new research showed the five week-wait and advance payments under Universal Credit are contributing to financial hardship and debt – particularly for disabled claimants.

The report by the National Audit Office (NAO) said the Department for Work and Pensions (DWP) needs to do more to support vulnerable people and others claiming Universal Credit, revealing that disabled claimants and people on low incomes are more likely to claim advances and have other debts to repay.

Claimants and representative organisations told the NAO that the wait for the first payment contributes to financial hardship and debt, despite the availability of advances.

The SNP said the solution is to turn advance payments into non-repayable grants once the claimant has been deemed eligible for Universal Credit.

This would remove the need to reverse the five-week wait, which the DWP has said would be “operationally challenging”, and minimise the risk of fraud – the reason given by the UK government for not implementing grants instead of loans.

The architect of Universal Credit, Iain Duncan Smith, has admitted that keeping Universal Credit advance payments as loans instead of grants “is a policy decision, not a structural issue, so whatever the Government decides to do it is wholly feasible to do it.”

“The Chancellor’s statement was a missed opportunity to put building a fairer society at the heart of the recovery, with no measures to put cash in the pockets of those who need it most and lift people out of poverty,” said the SNP’s Neil Gray.

“And the Tories are missing another opportunity to address rising debt issues by refusing to make advance payments grants instead of loans.

“Addressing this issue is not an impossible task, as the SNP and leading anti-poverty organisations have repeatedly made clear by proposing a simple solution. The Tory government’s decision to keep advance payments as loans – which are pushing people into, or further into, debt – instead of making them non-repayable grants is a political decision, and nothing to do with operational or fiscal challenges.

“There is overwhelming support for the UK government to implement our proposal, and with unemployment rising and incomes being cut back, it is more critical than ever that the UK government starts taking serious action to address rising poverty and rising debt.”

According to the NAO Report – “Universal Credit: Getting to first payment” – 80 per cent of claims by low-income households, 67 per cent of claims including someone who has limited capability for work because of a disability or health condition, and 70 per cent of claims including a disabled child had a deduction applied to their first payment to cover advances repayments or other debts. This compares with 61 per cent of all claims.

Around 57 per cent of households making a new claim take a Universal Credit advance payment to help them manage during the five-week waiting period until their first payment.

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Suspend benefit cap to protect disabled people in coronavirus crisis? It’ll never happen under Tories!

She’ll never support it: Therese Coffey’s record suggests she is not sympathetic to disabled benefit claimants.

It’s a good, solid, practical suggestion: with disabled people most at risk of financial loss during the coronavirus crisis, the government should suspend the penalties it has imposed on them in the last 10 years.

These include the benefit cap and the “two-child policy” for benefits relating to children.

Also suggested by the Disability Benefits Consortium (DBC) is conversion of the Universal Credit advance loan into a non-repayable grant.

In fact, the DBC requests the suspension of all debt repayment deductions from UC.

And the organisation calls on the government to suspend work-related conditionality and associated sanctions for those receiving benefits.

Other proposals include a call to give higher priority to resolving technical and capacity issues in the benefits system, as well as providing clear guidance for making both a digital and non-digital claim for UC. This is practical as the Department for Work and Pensions has been swamped with claims after the coronavirus lockdown began.

And there is absolutely no hope that the government will grant – or even seriously consider – any of these requests.

The Tories have turned the benefit system into a very efficient device with which to persecute people with disabilities.

They seem to see the coronavirus as a handy aid to this cause, with hospitals already being told to ration ventilators to those with a better chance of surviving – which is prejudicial against the disabled.

In fact it would be easy to see the crisis as providing the Tories with an opportunity simply to continue their hate campaign by other means.

When the final figures are summed up, it will be interesting to see what proportion of the dead happen to be disabled.

Source: Coronavirus: Suspend the benefit cap during crisis to protect disabled people, charities ask – Mirror Online

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Tories took £50 million from Britain’s poorest families in one month

Cash bonanza: The DWP is bringing loads of money back into the Treasury – by forcing Universal Credit claimants into poverty.

It’s wilful impoverishment of the needy.

The Tories have been working hard to force poverty-stricken families further into destitution, clawing back £50 million in Universal Credit loan repayments in a single month.

The punitive new policy demands that claimants must wait five weeks before receiving a penny of their regular payments – but they may take out an advance in the form of a loan.

This is then repayable, from the regular payments, in the future – meaning already-poor claimants and families are plunged even further into poverty and debt.

And the Tories absolutely love it!

The fact that so much money – £50 million – was taken from claimants by the Tories indicates that the policy doesn’t work.

It should not be necessary for claimants to have to ask for so much in advance.

And the fact that they have to pay it back puts them at a serious disadvantage.

It forces people to the food banks.

But then, Work and Pensions secretary Therese Coffey seems to think that is a perfectly reasonable thing to do.

Source: DWP clawed back £50million in Universal Credit loan repayments in just one month – Mirror Online

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Did the DWP’s cruel trick force a man into crime?

Faceless: The DWP has developed an attitude in which its employees don’t care what happens to the people relying on them. They just process the numbers.

I don’t think Carl Poynton’s story is unique. The DWP is supposed to help people survive but since the Tories took over this has become a cruel pretence.

Released from prison on Christmas Eve, he applied for benefits – but the length of time it takes the Department to process an application meant he was sure to run out of money long before any payment arrived.

So he applied for the short-term benefit advance loan that is offered to claimants in dire need, even though it meant he would have to pay the money back from any benefit award he received.

The DWP said he was eligible for such a loan…

… and then offered him eight pence.

He was left with no alternative – as far as he could tell – other than shoplifting.

The Canary story quotes a report by the Prison Reform Trust that says nearly half of adults are convicted of another offence within a year of release.

With government help like this, is it any wonder?

Source: The DWP agreed a man needed money until his benefits were sorted and then offered him 8p | The Canary

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DWP persecutes claimants rather than scammers over ‘industrial scale’ benefit fraud

Despair: It seems the DWP’s plan to tackle Universal Credit fraud is to prosecute the victims, rather than the criminals.

Only one scammer has been prosecuted by the Department for Work and Pensions in connection with a fraud that has cost the nation an estimated £150 million per month.

The 145 dedicated staff hired by the DWP to investigate seem more interested in prosecuting genuine benefit claimants – with one already convicted and 28 facing prosecution.

Doesn’t that seem the wrong way around?

The scam works because people who need to claim benefits have been made increasingly desperate by the economic conditions created by the Conservative government.

Here’s how I described it, back in July:

“The scammer approaches the victim – a person in need of quick cash – and offers to get them a government grant or a payday loan for a small fee. They demand the victim’s identity details.

“The scammer then simply goes online and makes a Universal Credit claim in the victim’s name, demanding an advance loan in the process.

“The DWP’s online system automatically approves the claim because it doesn’t know any better and transfers the money into the victim’s bank account – from which the scammer then takes a huge amount of the money that has been handed over.

“The victim is left with a small fraction of the loan, but owing the entire amount back to the DWP. Not only that, but any other benefits they may have been claiming will have been cancelled.

“So the victim is left much worse-off – and the government department doesn’t care. It will pursue them for the full amount.”

This is what we are seeing now – the DWP is apparently pursuing the victims, rather than the perpetrators.

“It seems the scam works because of Universal Credit’s ‘digital by design’ nature; the computerised system automatically approves the application, no matter how bizarre the claims in it.

“So thousands of pounds have been given in response to claims on behalf of (allegedly) a 19-year-old with six blind children, people with children called Lisa, Bart and Homer – or indeed Ha, Ha and Ha – and people claiming “Harry Kane” is their landlord.

“Apparently 100,000 or more such advances are being paid every month. At up to £1,500 a go, that’s a lot of money.”

It seems the DWP’s 145 investigators are currently looking into 85,000 cases, with the caseload increasing all the time.

Has anything been done to stop the computerised Universal Credit claim system from automatically allowing these scams? If not, why not? Do the Tories see it as another way to persecute the vulnerable?

It seems to This Writer that there is only one way to stop the scammers from exploiting the vulnerable – and to stop the Tories from persecuting them.

Elect a Labour government that will end Universal Credit and implement a fair system in which people won’t be pushed into the arms of criminals.

It’s that simple.

Source: DWP: Just one scammer prosecuted so far for snaring people in Universal Credit fraud – Mirror Online

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Labour lays down the green energy gauntlet with interest-free loan plan for electric cars

While the Tories – and other right-wingers around the globe – are still messing up the planet with fossil fuels, Labour has announced a game-changing plan to democratise ownership of electric cars.

A Labour government will offer loans of up to £33,000 to low- and middle-income households, people in rural areas, independent contractors and small-to-medium-sized businesses, to buy electric cars.

The intention is to provide clean transport for everyone, with 2.5 million interest-free loans; the government would cover the cost of interest.

And the scheme would boost the national grid, as everyone receiving a loan would be required to participate in a mass trial of “Vehicle-2-Grid” technology.

Electric cars will store energy when demand is low – during the night when the wind is blowing but people are asleep, for example – and discharge into the grid when energy use peaks -in the evening as people arrive home from work. This smooths out demand and reduces reliance on gas-driven power stations.

The plan was explained by shadow chancellor John McDonnell:

The plan has been announced to contrast with the Conservative government, which has been slammed repeatedly, including by the Society of Motor Manufacturers, for scrapping support for electric cars.

Labour’s plan seems much better all round, it seems.

Source: John McDonnell announces interest free loans for electric cars – The Labour Party

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Universal Credit loophole that Tories never fixed leads to huge ID theft scam

Amber Rudd: This scandal has come to light on her watch. Will she take responsibility and quit (again)?

The government is handing huge wodges of cash to identity thieves because of a loophole in Universal Credit that the Tories were either too stupid to anticipate, or about which they simply didn’t care.

In all honesty, the scam also relies on the victims themselves being stupid and desperate.

Fortunately for the scammers, economic conditions created by – guess who? – the Conservative government has nurtured an atmosphere of desperation among thousands upon thousands of people who are living hand-to-mouth – and desperation leads people to do unwise things.

It works like this:

The scammer approaches the victim – a person in need of quick cash – and offers to get them a government grant or a payday loan for a small fee. They demand the victim’s identity details.

How do these scammers know who to target? The victim on the BBC News website says she was approached by a smartly-dressed man with a Job Centre Plus card. Where are these people getting their information?

The scammer then simply goes online and makes a Universal Credit claim in the victim’s name, demanding an advance loan in the process.

The DWP’s online system automatically approves the claim because it doesn’t know any better and transfers the money into the victim’s bank account – from which the scammer then takes a huge amount of the money that has been handed over.

The victim is left with a small fraction of the loan, but owing the entire amount back to the DWP. Not only that, but any other benefits they may have been claiming will have been cancelled.

So the victim is left much worse-off – and the government department doesn’t care. It will pursue them for the full amount.

It seems the scam works because of Universal Credit’s “digital by design” nature; the computerised system automatically approves the application, no matter how bizarre the claims in it.

So thousands of pounds have been given in response to claims on behalf of (allegedly) a 19-year-old with six blind children, people with children called Lisa, Bart and Homer – or indeed Ha, Ha and Ha – and people claiming “Harry Kane” is their landlord.

Apparently 100,000 or more such advances are being paid every month. At up to £1,500 a go, that’s a lot of money.

Now get ready for the double-punchline.

Remember when the Tories were trying to accuse genuinely sick and disabled people of benefit fraud, claiming they were “scroungers” and “skivers” to take their cash and drive them to their deaths?

The fraud rate at the time was just two per cent. Now, DWP estimates suggest fraud has skyrocketed – because of a loophole that the government built into the system.

That’s the first punchline.

Here’s the second: This scam was reported by the Daily Express more than a month ago but the BBC has only brought it to wider public attention today.

Why the delay?

Is it because nobody trusts the news media anymore, after they spent the last few years pushing pro-Tory government propaganda?

Source: Universal credit: Multi-million pound scam targets claimants – BBC News

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Universal Credit forces people to borrow from loan sharks

Another scandal from the minds of the Conservative government and the Department for Work and Pensions:

Because Universal Credit does not provide enough money for people to survive, they are being forced to take out loans at enormous interest rates, putting themselves even deeper into debt and putting all their possessions at risk.

That’s the word from the chief executive of the Financial Conduct Authority (FCA), and it indicates an appalling dereliction of duty by the Conservative government.

What new, nasty game are ministers playing at the expense of the poor and vulnerable?

Do they own the loan companies?

Source: Universal Credit forces people to borrow cash from payday lenders – Plymouth Live

Why are poor taxpayers being told to subsidise Carillion’s contractors?

Carillion owed huge sums when it went into liquidation in January [Image: Joe Giddens/PA].

It must be lovely, being an executive or shareholder at a big corporation like Carillion – knowing that you can siphon off as much cash as you want and when your firm goes under, the poor will bail you out.

Hundreds of millions of pounds went into executive/shareholder bank accounts in the years when Carillion was under-bidding for government contracts.

That was public money; it should have been used to provide services, not bolster some businessman’s bank balance.

And now public money is being used to underwrite loans to the contractors Carillion betrayed.

As far as This Writer can see, Carillion’s executives and shareholders committed fraud by under-bidding for contracts; they knew they couldn’t honour those contracts at those prices, and were hoping that the funds for future contracts would pay off their liabilities.

It was like a pyramid selling scheme; sooner or later it was bound to collapse.

Well, unless Her Majesty’s Government and everybody who works for it are really inept, we’ve got the names and details of everybody responsible for Carillion – and the company has a vast amount of assets that should be sold to pay off its debts.

I want to see those assets sold off, and prosecutions of executives and shareholders to recover the public money they took under false pretences, with the proceeds used to pay the £100 million the government is putting up at the moment.

Agreed?

Source: Carillion: government to back loans to firm’s struggling contractors | Business | The Guardian

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Tory concession to young voters is too little and too reluctant

Theresa May has pledged to listen to young people. This is what she looks like when she tries [Image: Getty].

It’s also too obviously focused on the privileged young.

The announcement that tuition fees will be frozen is pointless, coming as it does after a rise of £250 a year was introduced earlier this month. When tuition fees were brought in, by Tony Blair’s New Labour, they were pegged at £1,000 per year and means-tested. Considering the astronomical increases since then – mostly under the Tories – it seems clear that Mrs May’s party has already done its worst here.

An increase in the repayment threshold will mean little to people who do not earn much after finishing their university courses as they are never likely to earn enough to do any more than pay interest on their loans. The offer to consider cutting interest rates on student loans is neither here nor there. Theresa May will probably u-turn on it as soon as it becomes expedient to do so.

Obviously, considering the cost of tuition fees and the debt burden of loans, being a student is now an occupation intended for the very rich; these are offers to the privileged, not to the population at large.

As for Help to Buy, which is intended to allow first-time buyers to get a mortgage – the scheme has been hit by several scandals: Some buyers were forced to pay ground rent at prices that increased hugely; others on Help-to-Buy ISAs found they could not use the money to actually buy a house. And in the meantime the scheme created an artificial increase in house prices, making them even less affordable for people on average or below-average wages.

So, again, this is a concession to the rich. It would be a trap for the poor.

It seems incredible that the media are touting this as Theresa May’s answer to Labour’s overwhelming popularity among young voters.

All anybody younger than 24 has to do is think about it, and they’ll never want to vote Tory again in their lives. I predict a u-turn on the whole idea.

Source: Theresa May pledges to freeze tuition fees and extend Help to Buy scheme ahead of Tory conference

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Tag Archives: loan

Universal Credit is increasing debt and failing disabled people, says SNP

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