I wonder about this a lot these days.

I’ve posted the letters below to show again the deluge of mail, DWP demands for money, and bailiff and eviction threats received by people who have absolutely no money at all.

I want to give people an idea of the relentlessness with which debt is pursued and the way debt stacks up for people who have no chance of paying any of it. I’ve wondered before about the sort of endgames that the political class has in mind for people in these situations. Will we see lots of people in debtors’ jail? Permanent homelessness? A lifetime chained to unpayable fines? Deportation? Who can really say. I think something might have to give at some point. I certainly see a few people in this kind of shit.

The young woman I’m writing about in this post (and wrote about here) is facing eviction for rent arrears caused by a rent shortfall that she was never able to pay, bailiff threats for outstanding fines and mounting court costs that she can’t meet, and benefit deductions for a loan and supposed overpayment of a couple of hundred quid a year ago.

The debts grow and grow, while the money she has to repay those debts stays the same (she gets about £73 a week in jobseekers’ allowance, which she also must live off). This equation is clearly never going to add, but her debtors keep going for it anyway. This young woman has been homeless in the past. She’s had a very difficult domestic situation to deal with this year. The main point here, though, is that there’s no way out of these sorts of problems if people don’t have money to throw at them. It doesn’t matter why they don’t have that money, or whose fault it all is, or whatever the hell people want to say at this stage. If people don’t have the money, they don’t. And – that’s it.

Nonetheless, debts are chased incessantly. It’s as though debtors expect people who are in this kind of trouble to suddenly come into thousands of pounds. Or something. I don’t really know where those on the collection end really expect things to end up. One of the letters below is a bailiff demand for a travel fine and extra costs. A couple of weeks ago, the bailiffs turned up first thing in the morning at this woman’s flat to collect. Meanwhile, the DWP piles on the pressure with a barrage of letters about benefit deductions and fund repayments. These letters are almost impossible to follow most of the time. I like to think that I have a reasonable grasp of these things, but I just DO NOT understand some of the figures that the DWP arrives at with these calculations. Different totals are set for deductions – from month to month it seems at times. The deductions are taken from benefits at source. Sometimes, this woman has been left with about £40 a week to live on.

Here’s one of a number of recent eviction threats this person has received. For several complicated reasons, this young woman has a housing benefit rent shortfall of about £40 a week and rent arrears of more than £1600 because of that. The Housing Trust has since sent another note to apply for this woman’s eviction:

We’ve met with the trust and the council and will have a shot at sorting things out by applying for a discretionary housing payment. The young woman has been told not to get her hopes up on that score, though. So – yeah. Helpful.

Here is a bailiff’s letter demanding more than £700 for the travel fine (as I say, the bailiffs have since visited again in person):

Meanwhile, the DWP continues to deduct loan and overpayment money from this woman’s jobseekers’ allowance at source. No matter that she has the rent and arrears problems, and is facing eviction and homelessness. None of that appears to be factored in. Letter after letter arrives, advising her of these seemingly random amounts for deduction:

Here’s another one:

Plenty more where those came from, too.

A few weeks ago, I rang the DWP to explain the situation and to try and get some of the deduction rates reduced. The DWP agreed to cut one repayment amount by three pounds and the other by about six pounds. That frees up around a tenner. I suppose we should all be grateful for that.

I’m not sure what is meant to happen next. The DWP can spew out letters as often as it likes. Government can bleat on about scroungers and Taking Responsibility For Yourself as loudly as it wants. None of that changes the fact that people crash. It really doesn’t. I think we’d all know by now if it did.

• Thanks to the CAB adviser who got in touch last time I wrote about this. Advice was appreciated.

So.

A lot of disabled people used the Independent Living Fund to pay for the extra support that they needed to get to work and college, and so on. You’d think a government that was so obsessed with getting disabled people to work would have kept a crucial fund that allowed a lot of disabled people to – err, work. Nonetheless, the government closed the ILF earlier this year.

Makes you wonder what the government agenda for disabled people really is.

Photo from the jobcentre by http://photos.snapsthoughts.com/blog

I wonder some days.

Here are a few more stories:

Leafleting at the Kilburn jobcentre yesterday with the Kilburn Unemployed Workers’ Group, I spoke for a while with an older woman. She said that she was 62. She was very confused about benefits and her entitlements. She said that she’d received a call the day before from the DWP. The person who’d called had either told her that she wasn’t eligible for employment and support allowance, or that an existing employment and support allowance claim would end. She was agitated and not entirely clear about the call, or the instructions. “They told me I had to ask them about JSA,” she said.

She had brought paperwork from her doctor. I think she had an idea that she could take the paperwork into the jobcentre and that someone there would look at the doctor’s letters and help her sort her benefits out. Nothing of the kind happened, of course. I don’t see too many jobcentres providing an on-the-spot service, even for people who are older and clearly struggling. At best, people are given DWP contact centre numbers to call and told to go outside and call them on their own phones (some of them cost to call. I made a whole lot of 0345 calls to the DWP yesterday. Wonder how that bill will turn out).

I went into the jobcentre with this woman and we were stopped straightaway by security. The security guard we spoke to wasn’t as antisocial as some, but he was adamant that this woman couldn’t see an adviser until she rang the DWP and sorted out an appointment. There was no other option. It didn’t matter that she was in her 60s and obviously concerned. Requests to see someone were just met with a blanket No. The woman had scrawled a number on her doctor’s letter when the DWP had called the day before. The security guard told her to go home and call the number from a landline. That was the end of that. Continue reading →

Any input on this appreciated. Haven’t dealt with social fund repayments before.

Feel free to contact me here if you don’t want to leave a comment.

I spent about an hour on the phone to various parts of the DWP today (more on that exercise soon). I was trying to a) work out why money was being deducted from this young woman’s JSA and b) if the rates of these various deductions could be lowered, seeing as this woman is in an impossible place financially. She has a weekly rent shortfall of a considerable sum each a week, rent arrears because of the shortfall (her Housing Trust said that it might accept a reduced repayment rate on arrears, but that she still has to find the shortfall, of course) and social fund repayments of about £15 a week – a seemingly random amount that was announced by DWP letter about a fortnight ago. These deductions and repayments mean that she will have almost nothing left out of her JSA when all payments are made. That clearly won’t work no matter who thinks it should, so we rang the DWP to try and get the social fund repayment rate lowered. The thinking here was that maybe some of that money could go towards the arrears and help prevent an eviction. The whole thing is a total mess and the paperwork is unreal. No wonder people ignore calls and letters when this shit starts happening. There’s no way to fix it if people can’t pay any of it off, so they ignore it for as long as they can. I’d say that this was the point where people needed the most help sorting things out in a way they could manage, but what would I know. No doubt this is the point where loan sharks come in. I can picture a scenario where people go to loan sharks because the DWP is deducting money from benefits for its own loans – money that people can’t afford to lose each week. Or something. Bloody hell. How does this even work.

Anyway, the woman at the DWP said it would take between two to four weeks to decide whether or not to reduce the repayment terms – with the emphasis on the four weeks end of the scale. That’s an impossible length of time to wait for a decision in this sort of scenario. Two weeks is bad enough. If people are struggling to repay a loan right now and inching ever closer to homelessness because of rent arrears, they’re sure as hell going to be closer to the edge in four weeks’ time. If only outstanding contributions from tax dodgers were pursued with such enthusiasm. That’s the sort of money that would make a difference.

On this government’s ideas about cutting benefits to drug and alcohol users unless they agree to treatment:

Don’t think that punishing drug and alcohol users cures drug and alcohol addiction. If only.

I’ve reposted below a transcript from an interview that I did in 2013 with a guy in Stroud called Darren. When I met him, Darren was trying to beat a years-long heroin addiction. I have a number of interviews with people with serious addiction problems who I’ve spoken to over the last five or so years – people whose supported-living hostels were closed, or who were in and out of street homelessness, usually because they had serious mental health and addiction problems. The Marah organisation in Stroud introduced me to Darren. When I met him at a drop-in lunch, he told me that he’d walked from Cheltenham to Stroud to escape the Cheltenham drug scene. He was living in a tent that Marah had given him, if memory serves. It didn’t sound as though he was having the greatest time in the world. Nobody does when it comes to addiction.

So…this notion that you can push, threaten, or somehow menace someone out of addiction: the main reason that I doubt that’ll work is because I’ve tried it. Everyone who has an addict in the family has tried it. A lot of the time, you try very hard. You certainly try many things. You scream a lot and deny money and affection, and all the rest of it. You run away and come back. You go to Al-Anon meetings for Families Of, decide the key to coping is to change yourself and get nowhere much with that. You do all of these things and often reach commitments, and even as everybody is agreeing to those, the person with the addiction problem steps out of the room and goes off and gets slaughtered.

Continue reading →