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  • LHA/Universal Credit

    THREE out of FOUR tenants on UC in arrears

    UC - neither universal nor a credit to anyone - Iain Duncan Smith's great achievement:

    A disaster from the start.  Whilst the welfare system (**) clearly needs reform and some of UC's objectives were laudable, why/how did the country let this bunch of clowns make such a b*lls up of it, and then permit them to carry on?  (Rhetorical question,  no answer needed...)

    ** Artful: In receipt to 6 benefits, thank you you lovely tax-payers you: State Pension, Winter Fuel allowance, £10 Xmas bonus, free prescriptions, free eye tests, free 'bus pass (ashamed to admit I have two of the latter, one England, 'tother Scotland - so yes, benefit cheat).  Now that lot should be reformed to just one payment.  The £10 Xmas bonus must cost at least £5/pa to operate... bonkers....

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    Special Report  on Sky News about UC

    Today at 1.30 pm -  will be shown later on also at intervals  throughout day

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    Jonathan Clarke. http://www.buytoletmk.com

    Dear Jomathan,

    Did you watch the Social Report on Sky News about UC?

    I really want to watch it but been busy in the office.

    How was it?



















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    Hi  - Yes I did

    It was quite short not very in depth. But it gave a flavour of how the delayed UC payments caused people to have to visit food banks to survive.

    Highlighted also to give an addict or otherwise vulnerable person  a months payment with no practical support  and then expect them to distribute this large sum of money to the people they should distribute it too -  was a recipe for disaster

    Some people are just spenders not savers . I`m a saver . Some of my friends though are spenders not savers. They cant resist it . If they get a juicy bonus at work  they rush out and  buy a brand new car on tick but then wonder why they are always short of money . Living beyond ones means is a  debilitating condition I feel which affects all cross sections of society rich and poor

    What I admire about some vulnerable people on the breadline is they are acutely aware of their condition and their inability to manage their finances so me and them  are both in unison and support of each other in  that the LHA / UC payment should be paid direct  to me as the default starting position . They as tenants resent the fact that its not a choice allowed for  them.by government

    If its truly `their` money for them to decide as responsible adults what do do with it why are they not allowed to choose to pay it direct to me .

    How controlling is that!

    The government refuses to accept  or recognise this most simple of human of choices  for them. They still want to parent them really. Its hypocritical

    They almost seem to want to actively encourage failure .

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    Jonathan Clarke. http://www.buytoletmk.com


    I'm with the 10 MP's calling for a suspension of the full UC rollout.

    UC remains a brilliant concept apart from the way the HB element is counted last within the OBC.

    But it has to be recognised that all is not going well.

    Any Govt would have faced the same issues.

    Such a major overhaul of welfare was always going to be a problem.

    What is being asked for is sensible.

    To give time for the oft reported issues to be resolved so that the rollout may continue.

    Govt should essentially be the lender of last resort.

    So that if the UC process goes all wrong for a claimant they can be confident that irrespective they will receive the same welfare except that it maybe in the form of a budgeting loan to cover that claim.

    Claimants must know that if their claim is deemed to be less than the budgeting loan that the difference will be recovered on a monthly basis from the UC claim

    This should deter claimants going on a spending spree whilst their claim is being processed.

    It will mean that the DWP becomes an effective bank offering a free overdraft immediately repayable when the UC claim is fully processed.

    This is the only fair way to treat all those victims of the currently ineffective UC process.

    It is simply impossible to leave UC claimants hanging because the Govt cannot administer the situation correctly.

    UC claimants should not be punished because of Govt admin failings.

    Most people support the concept of UC.

    Govt needs to recognise there is goodwill for Govt to be successful with UC.

    Much like Ryanair who have thrown their hands up in the air and admitted to massive admin failings, but have vowed to resolve the problems.

    That is what Govt should do..

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    Johnathan you made some very good point's. I listened to LBC today where claimants were clearly stipulating that as a result of Universal Credit they have got into rent arrears and it's not there fault.

    The vulnerable are screaming for help and really are being forced to make decisions that they are not capable of making.

    Policy makers really need to start listening and make drastic changes fast!

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    Johnathan you made some very good point's. I listened to LBC today where claimants were clearly stipulating that as a result of Universal Credit they have got into rent arrears and it's not there fault.

    The vulnerable are screaming for help and really are being forced to make decisions that they are not capable of making.

    Policy makers really need to start listening and make drastic changes fast!

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    Universal Credit has been blamed for a spike in buy-to-let mortgages that are in significant arrears.

    Data from UK Finance shows that the number of buy-to-let loans with more significant arrears of 10% or more was up 3% annually to 1,150.

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