Save up for rent before you’re switched to Universal Credit, coz you won’t get money for 6 weeks

Posted on September 16, 2019 by Kate B

Courtesy of Stockport United Against Austerity:

Telling, if useless, advice on the Stockport Homes website which instructs people who claim legacy benefits how to prepare for their claims being migrated to Universal Credit.

The most extraordinary bit of advice on the page? – telling people who have no money, or savings, to start saving so that they can cover a six-week delay to their rent money when they’re switched from legacy benefits to Universal Credit:

“Get ahead with your rent – Unlike Housing Benefit, under Universal Credit you become responsible for paying your rent and after switching you will face a six-week delay before receiving your first payment. You should still pay your rent during this time. It’s important that you are prepared so you don’t get into debt. Putting an extra few pounds on to your rent account each week to build a credit balance will mean you can still pay your rent when you switch.”

This is extraordinary. Hope Therese Coffey reads it. Not that she’ll give a stuff.

This “advice” is an admission by the largest landlord in Stockport that built-in Universal Credit delays cause serious hardship to the worst off people in Stockport and threaten their tenancies.

It’s an instruction to people who have no money to save money to protect themselves against Universal Credit’s serious flaws. This is garbage. Those of us who leaflet at Stockport jobcentre know people can’t save enough to build a rent buffer. We keep meeting Universal Credit claimants who are in serious rent arrears and either facing homelessness, or are actually homeless.

You could also say that the above advice is an attempt by a big landlord that also manages properties for other landlords to threaten claimants to save money so that landlords aren’t inconvenienced by Universal Credit’s built-in rent-delay arrears generator. We can’t have property owners being put out by all of this.

Blogging will be light-ish until the end of the year as am finishing up a transcription project of interviews, and homelessness and jobcentre meeting recordings. Still available for contact here.

Staff: Universal Credit claimants go without money because support centres are woefully understaffed #UniversalCreditStrike

Posted on August 27, 2019 by Kate B

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To Millennium House in Stockport this morning, where caseworkers at the Stockport Universal Credit centre were on strike.

The strikers say that the centre doesn’t have the staff to provide Universal Credit claimants with the support they need. They say that people who claim Universal Credit are going without money because of that.

Much of a caseworker’s time at the centre is taken up trying to fix Universal Credit problems for local people who call, or whose problems and details are emailed to them by the national Universal Credit helpline.

Tasks range from sorting out advance loans, to trying to make sure people with children are paid the childcare costs that working Universal Credit claimants are entitled to (“the childcare costs [system] is a massive problem,” said caseworker Billy, 29, who was on the picket line). Workers also deal with calls from people who haven’t been paid the right amount of Universal Credit.

Billy, 29, said he had hundreds of cases on his caseload. Everyone in earshot nodded in agreement. I’ve heard figures in the hundreds before. I’ve certainly spoken to housing officers who’ve been brought in to deal with backlogs of hundreds of homelessness applications.

Another striker, George, 24, said he took about 133 calls last week from people who had problems with their claims:

“…so that’s averaged about 30 a day. [People] are on the phone to me saying, “why hasn’t it been done?” [why hasn’t my Universal Credit problem been fixed?] You’re not supposed to say, “well, [it’s because] the phone’s not stopped ringing.” It’s the true facts of it. You just get so many ad hoc queries on top of the work that you’ve got to do that it just all piles up.”

Both Billy and George said that people who claimed Universal Credit went without their entitlements, because staff were oversubscribed:

Billy said:

“Definitely…a lot of the time people [who claim Universal Credit] don’t get paid.. underpayments are generated if the staff can’t get the work done. There are underpayments, because people aren’t getting paid what they’re owed. It’s not their fault…”

George said that workers dealt with claimants who said they were suicidal:

“They’ll say – well, I’ve got nothing here.” It’s just like – it’s not even about getting the money any more. It’s just like – let’s look after their wellbeing first…I’m not saying this is every call, but I’m just saying it’s like a consequence for some people… this is Universal Credit. They [people who claim Universal Credit] are the most vulnerable people in society.”

There’s a second day of strike action tomorrow (Wednesday).

Here are transcripts from the interviews with Billy and George this morning:

BILLY: [The Universal Credit service centre] is not really a call centre [as such]. It gets turned into one sometimes… we’re actually case managers. We’re not meant to take that many calls… but when the phones are running nonstop, you can’t manage your claims…

It’s managed per team – so, say, if someone rings up with [from] their phone number, then our system then routes them to their case manager [at the centre] but if you’re managing 800 claims like some of us are, then – yeah.

“It is the workload,” another striker said. “At one point, there were 16 people on long-term sick…”

BILLY: The management think that we’re adequately staffed… over the summer with people being on holiday – they have the right to be on holiday – but…if we were adequately staffed, then you wouldn’t feel such a hit…

SECOND STRIKER: There’s such a disconnect between management and staff, because I was speaking to a manager last week and he seemed to think you’ve [we’ve] got it made and I’m looking at him…thinking that’s because you’ve never done it [the job]. You don’t know what you’re talking about…

ME: What will happen when they [the DWP] start migrating people from JSA and ESA to Universal Credit?

BILLY: That’s worrying… advances [Universal Credit advance payments] are a big subject [with people who contact the centre]. When people make their [Universal Credit] claims, they haven’t got any money, so they’ll need advances…

[There is]… a massive problem with childcare costs. Basically it boils down to… if you report it [your childcare costs] a bit late, you don’t get paid… the system doesn’t allow [you to change details]. See the end of this transcript for more details about problems with the Universal Credit childcare costs reimbursement system].

Continue reading →

We’ve stopped your Universal Credit today without warning because you’re working without pay…

Posted on July 17, 2019 by Kate B

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…or something.

I wrote recently about Alice (name changed). Alice got a job as a security guard for a G4S supplier BUT must wait two months for her first pay.

Alice has been out of work for several years. She’s been claiming Universal Credit.

She was relying on Universal Credit for rent and some income until she received that first wage packet (she won’t be paid until the end of July).

But on Monday morning, a note appeared in Alice’s Universal Credit journal which said her Universal Credit had been stopped that day. Alice had no warning. She just got the note in her journal:

As you can see, the note says Alice’s Universal Credit was stopped, because Alice had told Universal Credit that she had a job, but not how much she was earning.

Alice is, of course, not earning anything for two months. That’s why she has not submitted any information about her earnings. She has nothing to submit.

She did, however, tell Universal Credit that she wouldn’t get any wages for two months. Universal Credit noted that.

There can be no doubt that Universal Credit noted that, because Universal Credit agreed to reduce Alice’s advance loan repayment amounts for the two months without wages to leave her with more money for that time.

Now, Universal Credit has stopped all Alice’s money and left her with nothing.

She rang Universal Credit and was hung up on, because the officer on the phone felt that Alice was angry.

I’d be angry myself if I was working for nothing and being punished for it by the DWP, but you know how it is. People who don’t have a penny to spare are supposed to take all this on the chin.

So.

This is the sort of garbage that people have to put up with – working for nothing and then being punished by the DWP and pushed into rent arrears and all the rest for not getting paid.

Meanwhile, the Tories tear themselves to pieces over Europe and Labour tears itself to pieces over anti semitism.

And people wonder why I say that I hope that the whole of Westminster is sucked down a sewer.

Blogging will be light over the next month or two as am finishing up a transcription project. Still available for contact here.

Good news: you’ve got a job. Bad news: you won’t be paid for two months

Posted on June 18, 2019 by Kate B

Here’s a story of another employment shambles – yet another example of the reasons why low-wage work is impossible to survive on:

“Alice” (name changed), is in her early 40s. She’s been claiming Universal Credit for about three years.

Alice has recently been employed as a jobcentre security guard. This is Alice’s first job for some time. She needs the work and she needs the money. Alice has serious rent arrears (she’s being evicted from her flat because of that), council tax debt and more.

Unfortunately, starting work won’t improve Alice’s situation – certainly not in the first instance.

Alice has been told that she won’t get her first wages for nearly two months.

That’s because the company that employed Alice (a contractor/subsidiary/whatever that apparently supplies guards under the G4S Secure Solutions banner) has an horrendously punitive pay system.

Payday is the last day of each month. People get paid a month in arrears. So – if someone starts work at the beginning of April, for example, they must wait until May 31st for their first wages. They get nothing on 30 April. I have seen HR emails which outline this “system” to pissed-off employees who ask about it. People ask about it, because they can’t believe it. The emails describe the timelag. I swear to god. I keep looking at those emails and that is what they say. This stuff does my head in.

Two months is a long time to go without money. It is an especially long time to go without money when you have no money to start with – when you’ve been out of work for years and you’re about to lose your flat, because you can’t afford rent.

Alice said:

“I don’t have money. I don’t have money to eat – I have, like, £5 for… I’m going to have to be on a diet.”

There’s more.

At training, Alice and other guard trainees were told that their employer would only pay them one month’s wages in that first payment at the end of the first two months. The trainer said that they would receive that month’s outstanding wages when their employment ended.

Alice said:

“It’s like I’m paying deposit to work for them or something.”

Brilliant.

I looked at the HR emails again. I concluded that the month’s “withheld wages” likely has to do with the month-in-arrears payment system. In our previous example, if a person started work at the beginning of April and was first paid wages on 31st May, they would only be paid for their April earnings on 31 May. They wouldn’t be paid their May wages until 30 June.

This stuff drives people up the wall.

So.

Alice and other guards are told by their employer to tell jobcentres that they’re with G4S Secure Solutions when they turn up for work. I’ve seen messages with that exact instruction. So, I asked G4S for comment on this wages behaviour from companies that supply security guards under the G4S banner.

This part of the exercise was as thankless as you’d expect.

G4S was pissed off. I wouldn’t tell them the name of the company that was sending in security guards on its behalf. I had reason for withholding that name for now – protecting Alice from retribution being one. I was hoping (ha) that G4S would take the initiative anyway – that it would immediately announce an inspection of every supplier and anyone who appeared to be providing guards on its behalf to ensure that everyone operated on the level.

Such initiative is never taken, of course. You rarely get initiative. You only get corporate defensiveness.

I got this from G4S:

“We only work with sub-contractors approved by the security industry association approved contractor scheme and we expect the organisations we use to align to our policies for remuneration, cash advances and uniform provision,” etc, etc.

I also got a lot of moaning – G4S saying it was unfair to make connections between itself and other companies without handing over details. The hell with that. I hand over nothing. G4S has less to lose than Alice. As I say, I couldn’t see why G4S couldn’t take some sort of initiative regardless.

I rang the company that employed Alice to ask about the connection between itself and G4S – and also, as it happens, to ask about applying for security guard roles for someone else. Needless to say, nobody called back. So – we’ll keep at it. Maybe there are companies out there who send guards off to jobcentres, tell them to say they work for G4S if anyone asks and then have a laugh out the back. Hell – maybe there really are. This end of the employment scene is infernal. The thing teems with corporates, contractors, subcontractors, suppliers and anyone else who has an eye to the main chance and no notion of fairness or responsibility. When Alice and I first spoke, she wasn’t entirely sure who she was working for. That happens all the time.

Her new employment has presented Alice with other money problems.

She’s had to take another Universal Credit loan to pay for expensive peak-hour travel across London to the jobcentres sites that she works at. Like everyone I talk to who claims Universal Credit, Alice is already paying back a Universal Credit advance loan which she took out to cover another debt.

Her jobcentre work coach said that the DWP would suspend repayments on the first loan while Alice waited for her first wages. Unfortunately, a loan repayment deduction was still made from Alice’s last Universal Credit payment. Her work coach said that he couldn’t give Alice a free travel pass, because her employer wasn’t able to say in advance exactly which days Alice would be working, or where. Alice has a zero hours contract and is sent to different jobcentres. Those decisions are made on the day.

—

Anyway.

I realise that many people couldn’t care less what happens to jobcentre security guards. God knows I’ve reported first-hand experiences of guard aggression. The point I’m making is that there are people out there who find work, but still can’t earn.

I’d also make the point that government likes the sort of tension that festers at jobcentres. It takes stressed, bullied and poverty-stricken benefit claimants, low-paid security guards and jobcentre advisers with the power to sanction people’s benefit payments, and abandons everyone to each other in jobcentres. It’s hard not to conclude that carnage has always been the plan.

Meanwhile, back at the jobcentre…

Posted on June 12, 2019 by Kate B

Let’s go back to Stockport jobcentre, where I spoke at length recently with Pat, who was in her 40s.

Pat was manic: pacing and talking non-stop. She’d just been released from prison. Pat said that she was from Manchester, but been dropped at a halfway house of some description in Bredbury in Stockport:

“I don’t know where I am…I thought it was in Stockport, but it was in Bredbury. I was put there.”

Pat had to make a claim for Universal Credit at the jobcentre, but had no idea how to begin. She said that she didn’t have money for food.

I meet too many people in such situations at jobcentres: confused, clearly in need and reeling outside a jobcentre:

Said Pat (she was confused and spoke fast):

“I have to get… I usually have a [support] worker with me, but I’ve left it too late. She’s gone off now, because it is a bank holiday, yeah… I’m just come out of prison recently and … you get like £300, or whatever, but they… they dropped me here… I’m… from… Bredbury…

“I didn’t have… on my life, [I was] crying… come out [of prison] the day before. Everything was shut. I couldn’t get me doctor. I couldn’t get… I was sat in the stupid house where they put me… so finally my probation – they came and got me…I just got a ticket. I had to find [my] here [to the jobcentre]. I had nothing to get out with… in [prison] for 10 months…

“I get scared and I don’t want to walk around where I don’t know where I am…I thought it was in Stockport, but it was in Bredbury. I was put there. I’m from Manchester. I went into Manchester jobcentre, but they wouldn’t help me. They were saying – “Oh, because you’re living in Stockport…[we can’t help you in a Manchester jobcentre].

“It’s in like a bail house – a bail hostel in Bredbury. I’ve just come out of there. No bus ticket. No money and it was Easter when I got out. She [the support worker] did bring me a bag of food.

“I had to beg people. She [the support worker] did come up to me with a bus ticket, so I thought right – I’m just going to have to go and find it [Stockport jobcentre] It’s very hard for me, so I’m quite proud that I actually found it…

“What am I going to say [to staff at the jobcentre]? I’ve got a make a claim. Never done Universal Credit. I was on PIP and ESA when I went away, but obviously now I’m….it’s all changed… so it’s going to be Universal Credit now, so I think I make a claim and like [ask for] an advance payment [for food money] yeah… if it gets a bit difficult, I’ll come out and get you…”

Next up was Dennis, who was in his 50s.

Dennis was disabled. He was sitting in his wheelchair outside of the jobcentre.

Dennis said that he’d been moved from his one-bedroom first floor flat to a ground floor flat – he found the first floor flat too hard to get to.

Unfortunately, the ground floor flat had two bedrooms. That meant Dennis had to pay the bedroom tax for the “spare” room. He’d had one discretionary housing payment to cover the extra cost. That had finished. Now, Dennis was trying to work out what to do.

Dennis said:

“I was in one bedroom upstairs flat and I had to go [because of my disability]… they put me into a two bedroom [ground floor] flat. I’m now paying each fortnight for the bedroom tax. One of the bedrooms can’t be lived in…. so I’m paying for that.

“I was in the old place for about 30 years. I had to go to the ground floor flat…I still have to pay [the tax]… the reason for moving was the mobility.

“I’ve got a flat in Reddish. When I went to get the paperwork and all that – they’d given it to somebody else. It was the same street and same number. They got the names mixed up…”

And so on.

You get the picture. It’s chaos out here. Nothing makes sense. I keep meeting people at jobcentres who are just plain bewildered. On and on and on it goes.

It’s hard to see a time coming when Brexit is pushed aside and this mess is addressed.

Posting as usual should resume next week.

We’ll find you intentionally homeless even though it’s our fault you’re homeless

Posted on May 31, 2019 by Kate B

So.

To the housing frontline again – where a Greater London council officer I interview tells me about another senseless intentional homelessness threat (you can read earlier interviews with that officer about intentional homelessness cases here).

The officer gives this story as another example of the shambles in council homelessness departments in austerity. Staff shortages, extreme caseloads and a mass of application forms and paperwork created by personal housing plans mean that officers in under-resourced housing offices can too easily lose the thread.

The officer talks about a recent case where a Greater London council threatened to find a woman intentionally homeless. The council made this threat even though the council itself was completely responsible for the woman’s homelessness. The council denied the woman housing benefit for 12 months, because it failed to keep proper track of the woman’s supporting paperwork and evidence. She was ultimately evicted for rent arrears. Brilliant.

The officer was responsible for reviewing the woman’s case.

The woman worked as a cleaner. The officer said that she “worked all hours,” to make ends meet. She still didn’t earn much. She claimed housing benefit to help pay her rent.

Just over a year ago, the woman changed jobs. She let her council know about this change.

That’s when the problems began.

For reasons that the woman never understood, the council shut down her housing benefit claim completely. The council wouldn’t restart her claim, or even set up a new one quickly. Continue reading →

When women in absolute poverty are denied their kids, legal help and housing

Posted on May 28, 2019 by Kate B

Here’s a scenario that I’ve seen several times now: a woman facing homelessness after losing her kids in a custody battle that she couldn’t afford to fight.

One of the women I’ve written about several times for this blog has been in touch to say that she is facing eviction and homelessness. She has serious rent arrears – thousands of pounds. She has an eviction notice and will be thrown out her flat.

This woman is facing street homelessness. The arrears and eviction likely mean that her council won’t help her find housing. They’ll decide that she’s responsible for her eviction – that she’s made herself intentionally homeless.

Except that things aren’t quite that simple. They rarely are.

This woman is in arrears for two reasons:

The first is the benefit cap. The arrears began when the benefit cap was applied. The woman lost over half of her housing benefit entitlement literally overnight. There was no way she could make up this sudden loss of rent money.

The second reason is that the woman recently lost custody of her children. This was brutal. I can’t give much detail here, but I’ve seen this scenario several times.

The woman’s relationship with her ex-partner ended acrimoniously. Her much-better-resourced ex lawyered up and went to court for the kids. The character assassination this woman endured during this case was nasty.

So was the woman’s isolation. She had no money and no lawyer for most of the time (she scraped together a bit of money for advice early on, but couldn’t keep that going on any level. She didn’t have any money). This woman was one of the thousands of people who are now forced to represent themselves in bitter, convoluted and drawn-out custody fights. Even getting basic advice about entitlements and rights was impossible. She never had a chance.

So – the rent arrears. Already in debt, the woman stopped receiving housing benefit (Universal Credit in her case) for the bedrooms that her children had occupied. She couldn’t meet rent payments at all. The thing is completely out of hand.

She’ll be evicted soon.

God knows what happens after that. I guess that at best, she’ll find a crappy studio flat somewhere – if she can scrape together money for a deposit and rent, and find a landlord who accepts Universal Credit claimants who’ve been evicted for serious rent arrears. At worst, she’ll be street homeless. She’ll have no chance of getting her kids back without a place for them to stay.

Any constructive suggestions on this situation are welcome. I’ve interviewed three women in the same situation in recent times. There must be a way of getting legal representation and housing for people.

Single mothers are placed in terrible housing by councils. Then social services muscles in when the family falls apart because of the terrible housing

Posted on May 20, 2019 by Kate B

Here’s more about the ways that authorities keep homeless single mothers and their kids in chaos and under the thumb.

I’ve posted a transcript from a longer interview with Marsha, 30, at the end of this article.

Marsha is a homeless Newham woman who lives with her little daughter in one room in a Newham homelessness hostel.

The two share a bed in this room. They’ve lived in the hostel for more than two years. I’ve written several stories about Marsha’s situation.

Marsha and her daughter in the one room in their hostel

In the transcript below, Marsha talks at length about the invasive attention that she has drawn from council social services and her daughter’s school as a homeless single mother.

Social services and her daughter’s school have been on Marsha’s case for a while. They order Marsha to bring her daughter to same-day meetings with social workers, or ring to say she must get to her daughter’s school right away.

There’s not always been time for Marsha to arrange for someone to accompany her to these meetings. That’s a big concern. Marsha has been questioned in detail by authorities about her mental and emotional health, and her daughter’s mental and emotional health. She’s been put on the spot by people she does not know in a system that she can’t trust – often without witnesses, or representation. Women I speak with raise this issue all the time.

The thing is – Marsha IS worried about her daughter’s mental and emotional health, and her own. Bad living conditions and relentless questioning from social services and schools inevitably affect a family’s frame of mind.

Marsha has severe depression and anxiety. She often says that she is concerned her small daughter is being negatively affected by their cramped living space and the social services meddling that the little girl has witnessed. You’d be dreaming if you thought that a child would not be affected by those things.

In the transcript below, Marsha says:

“All of a sudden, [my daughter] is seeing me in a very distressed state, because of everything that I’m going through. These people around here – she is exposed to conversations [which she shouldn’t be]…”

The problem is that Marsha must justify her family’s responses to their living conditions to organisations that hold all the cards.

Marsha is in a situation that a lot of homeless single mothers talk about. She’s been placed in poor housing by public authorities [her council]. Then, she’s been made to answer to public authorities as her family’s health has disintegrated because of the poor housing that the family has been placed in and the lack of decent alternatives. There’s no way to win. Marsha has no power in this scene.

Marsha says she understands that authorities have safeguarding roles – but that doesn’t mean that they’re above cornering women. Most single mothers in poor housing I talk with worry constantly about councils taking their children. That means they’re always on the back foot. There can be no balance in conversations that they have with authorities because of it.

Says Marsha in the transcript:

“…it was totally out of order how the council referred me to social services without even telling me [and insisted that Marsha brought her daughter to a social services meeting]. I even said, “I don’t even know why [my daughter] is there [at the meeting].” [The social worker] said, “No, we just want to see if there is any concerns.”

“….I still complied, because I’m thinking the last thing that I want to do is jeopardise myself. So, if [the social worker is] saying that she wants to see me and my daughter, of course I am going to see her [the social worker] … [but] I would never had let [my daughter] sit through these conversations [if I’d known how they would affect her]. If I could have called my mother and say, “could you hold [my daughter] for two hours while I have a conversation with this lady [social worker]…”

Women should not be forced to retreat and retreat like this. Continue reading →

Found a job – but can’t afford childcare. Universal Credit won’t help up front. This is ridiculous

Posted on May 10, 2019 by Kate B

Update Monday 13 May:

I rang the Universal Credit helpline (0800 328 5644) to ask if the Flexible Support Fund could be used to help people on Universal Credit with childcare costs when they found work.

After 20 minutes (yep) on hold, the person who answered the phone said that the Flexible Support Fund couldn’t be used for childcare costs. That was interesting. You’ll see in the tweet copied below that Universal Credit CE Neil Couling said that it could.

I asked the helpline specifically if the fund could be used for childcare costs and the officer said No. I explained the upfront and first-month childcare costs of about £300 that the woman in the original post below faces. The helpline said that advance loans and budgeting loans could be used for childcare costs, but must be paid back.

So, I tweeted Couling and asked him to tell me what the right answer is. Can people use the Flexible Support Fund for childcare costs or not? If they can, why does the Universal Credit helpline say they can’t?

People in poverty can’t afford upfront childcare costs when they get work. If Couling says the Flexible Support Fund can be used for those costs, then people should be told about it and how to apply for it.

What a circus. I swear to god.

Update Saturday 11 May:

Universal Credit grandee Neil Couling tells me on twitter that the Flexible Support Fund can indeed be used to fund childcare if people who claim Universal Credit can’t meet childcare costs.

It’s an absolute travesty that jobcentre advisers don’t tell people that. I’m finding this unreal.

As I replied to Neil – he needs to fill the airwaves with news of this fund and instruct his jobcentre advisers to damn well tell people that they can apply to the FSF to pay for childcare when they start work. It’s disgusting that people aren’t told about this fund.

The woman in the original post below tells me that she’s actually lost the carer job she was due to start on Monday, because of the childcare funding problem. Her employer “got funny” about things when the woman asked if she could work 8-2.30pm for the first week while she sorted out childcare and payments.

She has another interview next week for another job.

Here’s Couling on twitter on the subject. He needs to spend less time on twitter and more time making sure Universal Credit claimants get the money they’re entitled to:

Needs to go further afield. The dwp needs to put out a press release on Monday telling everyone that money is there for childcare and that it’s a grant they don’t have to repay. Also want to see a bulletin go to jcp advisers instructing them to tell claimants the money’s there

— Kate B (@hangbitch) May 10, 2019

Original post from yesterday:

To Essex now – where a young woman whose problems with Universal Credit I’ve previously written about gets in touch to say that her new job is at risk because of problems funding childcare.

The woman has found work and starts on Monday.

She has a little girl, so needs a childminder to pick the child up from school and to look after her until her mother gets home from work.

The woman found a childminder (after school club was already booked out).

Universal Credit said they’d fund 85% of the costs.

The problem is that the woman has to pay this in advance (it’ll be about £300 a month) and have the money repaid.

This will be a real stretch – for the first month in particular.

Like so many people who are starting in work, this young woman doesn’t have £300 lying around:

“Universal credit said they can pay 85% of childcare… but I have to add the amount to my account each month. The first month, I’d have to pay in advance and be refunded for it. I can’t get an advance payment, because I had one last October.”

It looks like this woman will have to borrow from family, or friends (assuming someone has £300), or take out a loan elsewhere.

She’ll end up in (more) debt. That’s inevitable. As the woman says in the quote above, Universal Credit won’t give an advance loan for the childcare costs, because she had another loan recently. That loan was to cover debt brought about by deductions that the DWP was taking from her Universal Credit payments. Chief among these were deductions for tax credit overpayments which the woman insists she didn’t owe.

So – “I have to find £300 just to start work.”

Needless to say, the government says it pays childcare costs in arrears to prevent fraud. I just love that. This government’s obsession with appearing tough on people in poverty literally knows no bounds. Government is so damn hung up about fraud that’ll actually shove low-paid parents into debt when they do the “right” thing and find work.

Why the DWP can’t accept a letter from a registered childminder stating charges in advance and pay costs up front I do not know.

In my less charitable moments, of which I have many, I find myself thinking that government wants to keep single mothers in poverty, rather than in work that might let them get ahead.

Suggestions and input welcome.

Update Friday 9 May:

Gail Ward on facebook has alerted me to the Flexible Support Fund, which should be available to people in exactly these situations.

The problem is, as usual, that Universal Credit and jobcentres don’t tell people that these funds exist. This is criminal.

The Turn2Us site actually centres its Flexible Support Fund information around a criticism of the DWP for withholding information about the fund (a fund I’d never heard of).

Says Turn2Us:

“A number of organisations are concerned at how little is known about the FSF.

One Jobcentre adviser in Bolton likened the FSF to the illegal boxing clubs in the film Fight Club, in that they don’t talk about it.

This is highlighted by the fact that the budget set aside for FSF has been underspent in every year since it was introduced.”

Isn’t that just great.

We know you’re homeless and dangerously depressed and anxious. Let’s push you over the edge

Posted on May 8, 2019 by Kate B

Readers of this site will know that I’ve been interviewing homeless Newham woman Marsha, 30, this year.

Marsha is living in temporary accommodation in a one-room hostel with her little daughter. The two have lived in this cramped space together more than two years.

Marsha has severe depression and anxiety. She sometimes cries when we talk. She is stuck in dreadful poverty in a way that she fears is permanent: “They [Newham Council] will put me in housing (out of London, away from jobs, training and free childcare with family) and I will be on benefits for the rest of my life.”

Marsha gets no respite from a public sector that should be in place to help. Marsha is being crushed by that sector. The public sector has no resources and no patience, imagination, or humanity as a result. That’s austerity.

On her own, Marsha can’t get housing in Newham near family who could look after her daughter while Marsha studies to qualify for the jobs that will get her off Universal Credit.

Marsha relies completely on her mother to look after her daughter and for much-needed emotional support. If Marsha is housed miles away from her mother as the council has historically insisted she must be, she’ll be isolated on benefits and in debilitating depression forever. The facts are also that job and training opportunities are much better in London than they are in the places that councils suggest people live.

This is why homeless families fight so hard to stay in the city. It’s not because homeless families can’t stand the thought of living in towns that don’t have a Harrods. It’s because employment and training opportunities in smaller towns can be hard to come by.

People also worry about racism in other towns, just by the way. We live in febrile times on that score.

Meanwhile – social services and her daughter’s school are constantly on Marsha’s case in a threatening way. They demand that Marsha and her daughter attend same-day meetings to discuss her daughter’s mental and emotional health – health that is inevitably deteriorating because of the conditions that Marsha and her daughter are kept in. Like so many people I speak with, Marsha worries that the mental and emotional health problems that are caused by the family’s living conditions will lead to her daughter being removed.

Meanwhile again, Marsha’s jobcentre adviser has sanctioned Marsha for attending college – rather than sending off the hundreds of never-answered applications for minimum-wage jobs that the DWP demands.

I talk to too many women with children who are held in poverty in this three-way clamp housing, social services and DWP all keeping single mothers in their place.

On the housing front:

I think that Newham council is stringing Marsha along when it comes to promises of better (ie fit for human habitation) housing. Such promises are as cruel and dangerous as they are empty – particularly when you are dealing with people who live in hellholes and have very serious depression.

A couple of months ago, officers showed Marsha a pigsty in Woolwich and told her to live in it, or else (the “or else” being that the council would give Marsha no more “help” if she didn’t shut up and take the flat).

Later on, under pressure, the council apologised to Marsha for treating her in this way.

Councillors said that they would find Marsha and her daughter a better home – ie, something human beings could just about live in. They even said they’d located such place.

That was months ago. Absolutely nothing happened after that. You started to wonder if this better home existed at all.

The council told Marsha that she couldn’t move in, because it was fixing the flat. I can’t imagine what sort of fixing this has involved. It’s been months.

And maybe Marsha was right to wonder if this promised flat was real. Certainly, the promise of it wasn’t. Marsha just told me that the council has rung to say that the flat is off the menu. The council says it has another flat in mind. Marsha was crying when she said that she doubted this. She said she was thinking of giving up – of leaving the homelessness hostel and bunking down wherever she could. This – from someone with very bad depression and anxiety.

You can see why homeless families in Marsha’s situation beg councils for social housing and secure tenancies. It’s not just that private tenancies are notoriously expensive and insecure, and that you’re likely to be facing eviction and homelessness again in a matter of months. It’s that councils can’t keep a grip when they’re farming people out to these places.

I could go on and I will in another post. I have more to post on the non-stop interference that Marsha and women in her situation get from social services.

For now though – Newham council needs to sort this out. Destabilising people with depression in this way is disgusting and dangerous. I’d ask Newham council for comment on this, except that I’ve been blacklisted. I will still ask councillors directly, though. The hell with it.

Kate Belgrave

Talking with people dealing with public sector cuts.

Category Archives: Public spending cuts