The very personal information you must give in public if you need state help

A short post on the state and petty humiliations:

Posted below is a list of questions taken from a recorded conversation between a woman affected by the recently-lowered benefit cap and a Basildon council housing options officer last week.

This woman is already in significant rent arrears because of the lowered cap. She went to Basildon council to ask what would happen if she couldn’t pay the arrears (the answers, which you probably can guess already, are at the end of this post). I went with her.

Basildon has an open-plan public services hub: council services, the library and the jobcentre all in one enormous ground-floor room. Security guards roam the place. You take a ticket and wait for your number to come up on a computer screen.

“There’s no privacy,” the woman I was with said when we got there.

She was right. There wasn’t. There were a few private rooms off to the side here and there, but you weren’t invited to use one. There were open cubicles all over the place across the floor. You could hear absolutely everything that was going on in the ones around you. At one point, we sat next to a guy who was explaining to an officer why he was struggling to pay his council tax. We might as well have been attending his appointment with him. We could hear every single word that he said. Continue reading

Look at the state of this flat. Here is independence vs neglect in austerity

These recent photos show the mould and mess in a one-room Haringey flat that is occupied by a man his mid-50s (I’m withholding his real name in this story).

This man has learning difficulties. He also has diabetes, which he struggles to manage, and is in poor health. These photos were sent to me recently. I visited this flat a number of times a while back and have known this guy for several years. His living conditions are usually atrocious.

He is about to be evicted from this flat, because it is in such an appalling state. He received a court notice last Thursday. He brought the notice in to show members of the Kilburn Unemployed Workers’ Group at their Thursday afternoon meeting (he also had other photos of the mould in the flat, which he showed us).

Some history:

This man lived with his mother until she died over a decade ago. While his mother was alive, he always had work as a general and kitchen assistant in hotels and kitchens.

This man was made redundant from his last job about nine years ago. He signed on for jobseekers’ allowance and has been put through the DWP’s usual Work Choice/Work Programme mill, with no results whatsoever. He has not found work again. His health has deteriorated to the point where he needs to apply for Employment and Support Allowance. Members of the Kilburn group are helping him with his forms.

Since his mother died, housing has been a major challenge for this man.

So.

There are two main problems for people in this sort of situation.

The first is accommodation itself – finding places in the private sector which people can afford to rent when they rely primarily on housing benefit. Continue reading

Benefit cap arrears and eviction threats for women and children. Already.

Another short post on impossible situations:

Here’s a rent arrears demand recently received by a woman who lives in a Basildon flat with her three young children (the arrears have increased since she received this letter).

It appears these arrears have come about because of the recently-lowered benefit cap.

This woman’s benefits exceeded the Out of Greater London limit of £384.62 by about £100 a week. As a result, at the end of last year, her housing benefit was cut by about £100 a week from about £188 a week to to £87 a week (think the sums are correct, looking at the paperwork. Give me a shout if you think the totals need looking at. Maths problems with these things are not at all uncommon).

Basildon council recently gave this woman a discretionary housing payment of £20 a week to cover some of the rent shortfall. That helps a bit, but only a bit. She only gets the DHP for the short term, too. After that, she either finds the full whack each week, or moves house again (this time with a serious arrears history) and takes the kids out of school again (she was recently in temporary accommodation in another borough)… or she ultimately gets evicted, I guess:

“I don’t know what to do,” she says.

I don’t really know what to do either, if I’m honest. Which is not particularly helpful.

What I do know is that I spend an awful lot of time these days with people in different parts of the country who show me demands for rent money they can’t pay and/or which say court and eviction are on the cards. As I write this, an email about a looming eviction in Haringey has landed in my inbox. I go to foodbanks and foodbank-lunches and inevitably end up talking to at least one person who is clutching a folder of letters about rent arrears.

Continue reading

Councils, housing associations and the DWP are crushing people with debt

While Brexit and Trump hoover resources and headlines, the state and so-called social landlords continue to get away with screwing people into the ground:

Last week, I spent several hours at the South Chadderton foodbank in Oldham speaking with people who’d come in for groceries.

We talked about the reasons why people needed to use the foodbank.

One explanation in particular came up, as it does a lot: Debt repayment plans are leaving people with no money.

People on benefits and low incomes are repaying arrears or loans money to councils, housing associations, the DWP, bailiffs and god knows who else – but they can’t afford it. The loss of the fivers and tenners that authorities deduct in repayments make a tolerable life impossible. People certainly don’t have the hundreds, or sometimes thousands, of pounds that are really needed to shift these debts. Simple equation, when you look at it. Debts grow and penalties grow, but income does not.

Still, we have these repayment plans.

At South Chadderton, I talked for a long while with a young guy called Neil (name changed. There’s a transcript from the interview we recorded at the end of this post).

Neil needed a food parcel, because Oldham’s First Choice Homes housing association and the DWP were taking cuts from Neil’s benefit for rent arrears and loan repayments. Other authorities were queuing up for a share: Neil had been summonsed to court for council tax arrears. Neil couldn’t afford the repayments, but he had to pay all the same. You’ll see from the letter above that First Choice Homes is taking £30 a fortnight for rent arrears (out of a benefit total of about £130).

Neil said that talking to the housing association was hopeless (I offered to make a call).

“They say the lowest they can go is £30…they’re on the phone, going on with themselves.. I said, “hang on a minute.” They said, “can you make a payment now?” I said, “I’ve got nothing to give you.” (I’ve had plenty of similar conversations where I’ve tried, fruitlessly, to convince organisations to go easy because people can’t meet their debts).

It should come as no surprise that Neil was recently done for theft. He did a stretch last year for theft by finding – “[it was] a load of slates in the alley. They’d been there for two year.” This sort of story is very common indeed. I’ve met a number of guys in the area now who’ve been in and out of jail in recent times. (Two out of the three people I spoke to at the foodbank last week had done time).

The problem is life when people get out. Neil lost his housing benefit while he was in prison. He ended up with rent arrears. That total has gone up again, because he didn’t make repayments over Christmas and New Year. Neil decided to keep hold of his benefit money instead. Might as well be hung for a sheep as a lamb, etc. I’d take the same view myself. Neil couldn’t stand another call with the council or the housing association on the topic. I find this all the time these days as well. Every contact with the bureaucracy is a bitter fight. People don’t even want to talk to an officer to ask if calculation mistakes have been made, or to question sums they don’t understand, or if letters are correct, or if there are other options for help.

Continue reading

Doesn’t matter if you’re ex prison or drink or use or what the hell. Everyone deserves housing

A bit about how quickly people end up back on the streets, homeless:

Yesterday, I planned to meet James, 50 and Vance, 43 – two Oldham guys I’ve been spending time with over the last couple of months. Both James and Vance have been in and out of street homelessness over the years. We’ve talked a lot about that.

Vance was finally placed in a flat in Oldham last year. He invited James to move in one day when he found James trying to sleep on the concrete landing outside Vance’s flat.

“He [James] was sleeping outside on the landing. I can’t see that, because I’ve been homeless meself…I did if for years meself. I slept on the streets, but I got sick of sleeping on the streets, so I bought a tent. I lived in a tent for five year. It is very cold and wet… and with snow. You can’t sleep.”

That arrangement went well until very recently.

The first thing I noticed was the guys didn’t show up for the Tuesday lunch we meet at in Oldham’s Salt Cellar building. Fair enough, I thought. Maybe they’d had a few drinks. The rules about turning out for lunch after a couple of cans are strict at some lunch places. You hear about people being asked to leave.

Maybe it was something else. I called James to see if he was in anywhere in town. He answered. He wasn’t in town. He sounded stressed. He said that some guys had thrown him out of Vance’s place very late a few nights back – not Vance, but some other people who hung around. He said they’d hit him and told him to leave and so he’d left. He was staying with someone else for a few days, but this was not a permanent arrangement.

“I’ll be back to being on the street again,” he said. He sounded panicky, as well he might. It’s cold out at the moment and always raining.

I asked James if he’d been to First Choice Homes to tell them about his problem and to see if they could find him anywhere to stay. He said that he had and nothing had come of it. I said I’d go with him later this week. He sounded reluctant. He said that he’d get nothing. Generally, he gives bureaucracies a wide berth these days. I’ve written about some of the reasons for that.

Anyway. There we were.

I have conversations like this from time to time. It’s difficult to offer answers, not least because there aren’t any. I can say this, though – conversations like this one are the reason why I will never get on board with notions of deserving or undeserving social security recipients. The fact is that everyone deserves shelter. In particular, everyone deserves shelter at a time of crisis. It doesn’t matter what a person has “done” in life to arrive at the sort of situation described here. All that matters right then is that a person is in this sort of situation. Nothing else is relevant. You have a bloke in his 50s on the phone who knows that he is on his way to sit out in the rain. Only a sociopath would interrupt him to say that he had it coming. Theresa May et al ought to take a few of these calls and see if they feel like passing judgement right then, at the actual point that someone is headed onto the street. No doubt they would.

“I stay away from my flat to avoid the bailiffs” – the joys of being hunted down for council tax

Happy New Year, all.

Am kicking things off with a story about council tax, people who can’t afford to pay it, bailiffs who keep bashing on doors to demand money that people continue not to have and the almost-unusable council systems that people must use to try and sort things out.

Happy days.

Just before Christmas, I rang Redbridge council on behalf of a young woman who lived in Redbridge a couple of years ago. She was moved there from another borough to escape domestic violence. She lives in another borough now.

To get down to it: the councils in all three of the boroughs that this young woman has lived in over recent years have chased her – through the courts and with bailiffs – for council tax that she can’t pay.

This situation regularly spiralled out of control last year. The demands for money kept coming. Bailiff and court costs increased (and continue to do so). The bailiffs turned up. Towards the end of last year, visits from bailiffs became a regular feature in this young woman’s life. “I hide in the bedroom when they come…or I try not to be at home,” she told me. Imagine that. She spent the Christmas break staying away from her flat to avoid bailiffs. God only knows how many people live this way.

Point is – the thing is futile. It so often is. This young woman has repayment plans, but has run into trouble with these for the simple reason that she has no money. This is the key point to keep in mind. If people have no money, they have no money. Harassment by councils and bailiffs doesn’t change this basic fact. Neither does it magically improve people’s incomes. Councils can demand council tax and bailiffs can hammer on people’s doors, but we all keep finding ourselves back at the beginning. People who don’t have money can’t pay money out. They certainly can’t pay debts which increase out of sight with court and bailiff costs (there’s something called a compliance stage fee of £75 whacked onto this young woman’s paperwork. God knows what that is). They fall behind in payment plans, especially when things go wrong. This young woman signed up for Universal Credit, but waited weeks for money, as people do. She missed her council debt repayments. A friend gave the bailiffs some money before Christmas to put them off, but they’re back. You wonder how it’s all going to end.

Sometimes, I like to ask councils how they think it’s all going to end. Just before Christmas, I rang Redbridge’s council tax department to talk about this sort of situation in a general sense. Mainly, I wanted to see if there was room for a civilised or imaginative (don’t laugh) discussion about options for people who don’’t pay because they can’t pay, etc – options other than repayment plans they can’t meet, threats, bailiffs and jail for non-payment of council tax, that was.

The (very) short answer to this was No. I called Redbridge. The officer who answered that day wasn’t great (although we will give the council a few points for answering the phone at all. I didn’t spend ages in a queue, which was refreshing). Certainly, there wasn’t a lot of thinking outside the box going on.

I wanted to know if the council would be open to a constructive discussion about people who couldn’t meet council tax payments, or repayment plans that had been set up – people who were at the end of the line and harassed by bailiffs. I was trying to find out if there was any flexibility around at all. You can demand money from people all you like, but there comes a time where it’s obvious that payment is not a starter. What’s the big plan after that? Do you send bailiffs round every day? Do you chuck parents with young children in jail?

The officer said something along the lines of No, we couldn’t talk about options in a general way. The young woman would have to call the bailiffs to put them off. The problem was not with the council. The problem was with the bailiffs. I explained that this woman was terrified of the bailiffs and didn’t want to call them any more. The officer said “she’ll have to.” I said something like “hang on.”

Continue reading

People who need help actively avoid seeking it now. Applying for benefits, housing, etc, is too torturous

In the last few weeks, I’ve spent time with people in Oldham who’ve been in and out of street homelessness. There are some transcripts from some of these sessions at the end of this post.

You’ll see people talked about many things: reasons for homelessness, (“relationship breakdown”), Donald Trump (“you know on his head there… it won’t come off, that”), government, the state of the world (“atrocious”), Man City being full of wankers and so on.

I spent a lot of time with James, 49 and Vance, 43.

A few thoughts:

One point really stood out: the fact that James said he didn’t have any income to speak of. He didn’t receive any state assistance – no benefits, or council help with homelessness, or hostel accommodation. He hadn’t joined housing or hostel waiting lists.

He said that he tried, discovered that there was some problem with his National Insurance contributions (“your stamp when you work all your life,”) and ultimately decided to abandon the whole thing. He was reluctant to engage further. He was homeless and sofa-surfing at Vance’s place. Vance found James sleeping on the freezing concrete landing outside the flat that Vance had recently been placed in. Vance invited James in to stay.

James:

“Where Vance lives, it is a high rise flat. He find me on the top of it on the concrete floor sprawled out, sleeping. He come out of his flat. I’m on the floor on the concrete. Vance said to me: “go in my place.” He had a friend with him. He said go in there and knock on the door. He let me in. He picked me up.”

Vance:

“He was sleeping outside on the landing. I can’t see that, because I’ve been homeless meself…I did if for years meself. Absolutely years. I slept on the streets, but I got sick of sleeping on the streets, so I bought a tent. I lived in a tent for five year. It is very cold and wet… and with snow. You can’t sleep. You put your tent anywhere you can.”

So.

I mention James’ lack of income, because I have met a number of people in the same boat now – people who have no income and are in need for whatever reason, but who have abandoned attempts to get help from the jobcentre or the council and/or who give jobcentres and the council a wide berth. This needs pointing out as often as possible. People who should be getting help are not getting it. I’d go further and say people who are most in need of help are not getting it. If government’s aim was to put people off state help by making so-called support systems too torturous and painful to negotiate – job done and all that. I know that plenty of people are aware of this, but it’s worth another mention when you meet people who imply that sleeping on a freezing concrete landing is easier than applying for housing. Asking for assistance is not worth the wrangle. People hit hurdles early and leave.

“It’s called a rigmarole,” James said when we had a Sally Army lunch a couple of weeks ago and I asked him if he’d tried for hostel accommodation anywhere.

As I said, James reported that he’d been turned down for benefits and for housing – that problem with his stamp from his working days, he reckoned. Maybe there were other problems and other reasons. None of that matters. The point is that he and others I speak to don’t feel the system or those running it are inclined to sympathise, cut anyone a break, or sort problems out. Too many organisations are too controlling and too aggressive in their demands for paperwork, personal details and compliance with one ridiculous rule or another.

People expect to be pulled up for something they’ve *done* to make themselves homeless. Relationship breakdown (the starting-point a lot of people often give for their troubles), a prison record, mental health problems, job and house loss, the hardcore substance use that often goes with such losses – society doesn’t cut much slack for people with so-described self-inflicted wounds these days. Pity the same stringent standards aren’t applied to tax avoiders, or, say, MPs who blow public money on private tennis court repairs (hi, Oliver Letwin), or heating their horses’ stables (big shoutout to Nadhim Zahawi and his horses). David Cameron left his job recently due to a project fail and shitty colleagues, but I doubt he’s been round the jobcentre trying to get an adviser to understand why he walked away from work.

For everyone else, judgement permeates. Some charities are strident about not giving homeless people cash because they’ll *just* spend it on drugs and booze – for all the world as though withholding cash cured addiction and for all the world as though people are for charities to fix. Not all charities behave that way, of course. I’ve been to some drop in places where attendees have gone outside and come back smelling strongly of booze. Nobody has said a word. Rightly so. Punishment does not cure addiction. I think we’d know by now if it did.

“Foodbanks and stuff like that. And begging,” James said when I asked how he got by. Vance had some income from Universal Credit. “I’ve worked since I was 16,” James said. “I’ve not worked in the last couple of years, but I’ve worked since I was 16, since I was a child and paid the NI. They’ve going to scrap the benefit system. Nobody is going to get any benefits. Nobody. I’m not signing on. Not getting any benefits. No. I’ve not been claiming for a few years and it goes back on you. I just do it day by day.”

Continue reading

Homelessness in a northern winter can’t be good

I’ve met a number of people recently who don’t seem to have any housing or income to speak of. More needs to be said about this, so here we go.

I’ve been spending time in Oldham recently, at drop-in lunches and afternoons talking with people who are in and out of street homelessness. Am transcribing longer interviews which should be posted in the next couple of weeks.

Here’s an excerpt from one conversation.

James, 49, is staying with Vance, 43. James says he has no income. He’s not signing on for benefits, because he thinks there’s a problem with his national insurance contributions not being up-to-date from his working days (“you know. Your stamp when you work all your life,” James says). His relationship ended and he had nowhere to live (“relationship breakdown” James and Vance say when I ask about the reasons why people become and stay homeless).

Vance, who was homeless for a long time himself, was recently placed in a flat in Oldham. James, as I say, is staying at Vance’s place. He sleeps on the couch. This sharing arrangement came about a few months ago after Vance found James lying on the concrete landing along from Vance’s flat. James was sleeping on the freezing ground.

Vance told James to go into his flat.

Vance: “[James] was sleeping outside on the landing. I can’t see that, because I’ve been homeless meself…I did if for years. Absolutely years. I slept on the streets, but I got sick of sleeping on the streets, so I bought a tent. I lived in a tent for five year. It is very cold and wet… and with snow. You can’t sleep. You put your tent anywhere you can.”

James: “Where Vance lives, it is a high rise flat. He find me on the top of it on the concrete floor sprawled out, sleeping. He come out of his flat. I’m on the floor on the concrete. Vance said to me: “go in my place.” He had a friend with him. He said go in there and knock on the door.”

I asked James how he managed for money and food, because he had no money coming in. “Foodbanks and begging,” he said.

So.

I don’t want to make this situation, or these guys, sound pathetic. They are not. They are onto it and hilarious, she says, patronising. They have their issues. Who doesn’t. We’ve hung out a few times and we’ll hang out some more.

I just want to make the point again that there are a lot of people around who do not always have the basics for living.

Too-complex and horribly invasive benefit application systems are often part of it (“it’s a rigmarole” James says when I ask about benefits and housing assessments). Struggles to get into housing and even basic shelter is also part of it (I go into that in my longer post). A political class which insists on punishing people at this point is also part of it.

I personally don’t care how people spend their lives, or who is considered deserving or not deserving. All that counts is that you live in a time and a place where people sleep out in the cold, for whatever reasons. Wonder how that plays in a northern winter.

I can’t get benefits because I’m homeless and I haven’t got an address. Wtf is going on here.

I have been speaking with people who are homeless and who don’t have a fixed address.

They say that they can’t get or keep the benefits that they need.

The DWP says – of course – that things there is a system that homeless people can use to claim benefits and that the system works well.

I have doubts about that.

Last week, I spoke with three street homeless men in Manchester who all said – separately and adamantly – that they couldn’t and didn’t sign on for jobseekers’ allowance, because they didn’t have an address. I wasn’t actually looking to ask people about that in the first instance. The subject just kept coming up. I’ve been out in various parts of Manchester in the evenings talking with some of the people here who are street homeless. There are longer extracts from a couple of these interviews at the end of this article. We talked about housing benefit too, which obviously has address implications, but we were discussing JSA and ESA in this context:

“I’ve got nothing. I can’t claim benefits, because I’ve no address…You used to be able to sign on and they would give you so much money every day. Not any more. That’s all gone. Doesn’t exist anymore, that. Doesn’t exist.” Paul, 56, Deansgate, Thursday evening.

“You can’t claim dole, because you need a letterbox to get ID, but you need ID to get a letterbox…So all is as left is to beg, yeah…[I’ve been doing this for] five years…At the beginning, I had bags and bags of stuff. I had all me ID and that…[but] because you can’t look after it all the time, you stash it and other homeless people find it and… [shrugs].” Darren, 44, outside the Arndale Centre on Tuesday.

“I’m not going to get any benefits until you (sic) get an address.” Tom, 24, near Piccadilly station, Tuesday evening.

These conversations got me thinking. They got me thinking about exclusion, mainly – the ways in which people who really are on the rough end of things can be excluded from the income and support that might make a difference. I want to know more about the systems that the DWP and the government that is overseeing this mess have in place to make sure that people aren’t excluded from that support (yeah – I know. Don’t laugh). I get that people on the street can lead chaotic lives. I get that some people can have serious drug and alcohol problems, but so what. People with serious substance abuse problems should not be denied essentials such as housing and income. You adjust a system to meet needs, not the other way around. Readers of this site will know that the systems that people must use to claim benefits – benefits systems run by the DWP and jobcentres – can be extremely hard to navigate now and are in meltdown, even for claimants who do have an address. Readers of this site will also know that there is often a mile-wide gap between the way that the DWP says things work and the way that things actually work (if they work at all, that is).

So I rang the DWP. Needless to say, the DWP said that there was a functional system in place for prospective benefit claimants who don’t have an address. I rang the DWP’s New Claims line on Monday to ask (and spent 20 minutes on hold, just FYI. I’m keeping track of this aspect of service access). I spoke to an officer who insisted that there was a robust claims system in place for homeless people and that many used it. The officer seemed annoyed that I suggested otherwise. A Care Of address could be used, or a friend’s address (Why can’t he use your address if you’re a friend? this officer said to me at one point). The DWP said (when I asked) that people could use their local jobcentre as their Care Of address for DWP mail if they wanted (I wonder how many people want that). Continue reading

Ever tried to call a council or the DWP? People in need MUST be excluded by these hopeless systems

I’m going to start putting up short posts about the incredible difficulties that people can have getting through to their councils and to the right people to speak to at the DWP on the phone.

I regularly call councils or the DWP on behalf of others or to get information, and am inevitably appalled at the trouble I have getting through and/or finding the right department, or getting callbacks, etc. These systems are getting worse. They have to be fixed. Public organisations can’t be allowed to exclude people who need support in this way. There’s no doubt in my mind that people must miss out on benefit entitlements everywhere now, because the systems they need to navigate to get to those entitlements are a dysfunctional shambles. This must be especially true for people who can’t use a computer and/or don’t have easy access to one. I find the whole thing challenging and confusing, and get lost in the system even though I make these calls a lot, as I say.

Let’s take as our first example a hopeless call I made to Barking and Dagenham council on Tuesday morning to ask about making a new housing benefit and council tax benefit claim for someone.

This is what it is like.

I made my first call at about 10am using a number about housing benefit that I found advertised on the council’s site: 020 8227 2970.

Wasn’t entirely sure if this was the right number, but continued as it seemed to take me to a general automated switchboard for the council and anyway, you’d hope that someone would soon put you right if you needed another number.

An automated message service gave me 5 options. I chose, 5, for general enquiries.

After that, I had to:

Choose 1 – for revenues and benefits
Choose 2 – for housing benefit and council tax benefit
Choose 1 – for new claims

At this point, the automated service told me that the only way to claim those benefits was to apply online. The service said that there were computers to use free of charge at council One Stop Shops. I imagine that some people wouldn’t know what a One Stop Shop was, but this service didn’t offer much chance to find out. When it finished the One Stop Shop message, it simply hung up in my ear.

So – I called back at about 11am and went through the same number selection process, except this time, I chose 3 instead of 1 as the last option. This was the number to choose if you were an existing claimant. I chose it in the hope that there would be an officer at the end of it. An automated message said that there would be a waiting time of between five and ten minutes, I think it was. In the event, I waited on hold for more than 20 minutes for someone to pick up the call. I’d be interested to know how people on pay as you go phones are affected by this sort of waiting-time. I use a pay as you go phone from time to time and have to top up the minutes. Continue reading