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.
