Any feedback on this is welcome.
(You can contact me here if you don’t want to leave a comment):
As readers of this site will know, I’ve spoken from time to time with people who have money deducted each week from their benefits. The money is deducted for social fund loan repayments and a supposed overpayment in one case (the person there says that the DWP’s overpayment claim is wrong and wants to challenge it). This repayment money is taken each week from people’s jobseekers’ allowance. Most people seem to be getting about £73 a week in JSA.
I want to know if there are limits to the amount of money that the DWP can take out of a benefit. I presume there are, but haven’t been able to get the DWP to confirm that, or to tell me how limits are decided, or to tell me much at all about the way that this system works. If I’m honest, I wonder why people are made to repay these loans at all, given that most people I meet can’t afford to. They take out loans because they haven’t got money. That situation hardly changes when they’ve got a loan to pay back. I suppose this “system” is about making sure that people who are unemployed a) get in debt and stay in debt and b) are regularly reminded that there’s no such thing as Something for Nothing, for them, at least. The amounts deducted from benefits are substantial in some cases. You can see here that this person was asked to repay nearly £20 a week at one point. At other times, the repayment was around £15.
Those amounts are a big chunk out of £73, to say the least. The amounts also seem to be completely random. Letters about repayment amounts pour through people’s doors. One letter will say one figure and another letter will say another figure and another letter will say another figure, and nobody knows what is going on and where the numbers will come from, or when. All people know is that they don’t have much to live on at all when these amounts are taken from their JSA.
This person has just been sent another letter. The DWP wants to raise the repayment totals again:
We called the DWP a couple of months ago and got the repayment figure knocked down to about £9 a week. I thought that the £9 repayment rate was supposed to stand for a while, but apparently not. Continue reading




