Welcome to the “Your Views” section of our site. Please feel free to comment on any aspect of Universal Credit, how it affects you, how it affects others. We look forward to reading your views, thanks from all at UniversalCredit.co.uk.
One of our readers has kindly got the ball rolling for us, thanks Ann
I hope this site will continue especially when it comes into full force.
On a quick glance at http://www.dwp.gov.uk/docs/uc-pip-claims-payments-draft-regs-2012-memorandum.pdf, I am rather shocked. The fact that in most cases up to 40% of your income )eg, jsa, esa) can be deducted for utiliies, rent arrears etc, this from an already minimal amount. If you make a mistake on the online form your claim stops and is only paid from the date your correct form is submitted, there are exceptions, et language barriers, health, etc. However, if you want a home or face to face visit, payment commences on the first contact date, not clear if guidelines in place for this in this article.
Most upsetting no social fund loans from 2017, how are people to get a cooker, fridge, pay bills, etc.
Monthly payments for most will be difficult. Loss of child maintenance, as I believe???, ie, it is deducted from benefits, together with the already childcare discount from 80% to 70%, is difficult.
There are so many loopholes to me that can be detrimental to the claimants, especially dates when claims begin, and if you do not fill the form in right – I see it that most people find claiming benefits as very very stressful, and how easy to make a genuine mistake when under stress. Most people used to dealing with people and not a computer too, so more mistakes could be made easily. This to me is shocking, there ought to be a set time say four weeks when your claim is being processed before your start date of claim is changed from the day you initially fill in your online form.
I think in time to come many people will come to your site and tell the truth about what is happening to claimants. Already people are living in fuel poverty, lack of nutritional food, some people I have seen two people sharing one very small room with curtains for bedding, etc, and so thin and no money for anything much at all, life is tough and it is getting tougher for people at the bottom. Unemployment is not a crime, and so why is it then that they alert, as I believe, the Childrens services (ie, schools mayb e) that if a family is on job seekers allowance then they can b e seen as a family at risk … HELP, th is is scary to me especially in the light that the number of children going into foster services are going up at approx 40% year on year, for the last two years, and there are gags put in place at court so these people losing their children to foster care cannot speak out, and private agencies making money, one could get paranoid. Why is it , unemployment is unemployment, it is not, as yet, a crime. People have paid in all their working lives, they lose their job due to the bankers indisgressions and the governments lack of housekeeping, so why should they not be entitled to proper provision and no scapegoated as scroungers, etc.
I feel the universal credit system for some, who are protected, will be ok, but for the most of us, if unemployed, etc, we will be severely affected both by the means of signing on and claiming being on the whole online and most benefits being paid monthly, which can be difficult for some when this happens, it is easier to budget weekly when skint than it is on a monthly budget, which is obvious to most.
There is a ceiling for universal credit too, but there are exceptions.
http://www.dwp.gov.uk/docs/jsa-draft-regs-2012.pdf I have yet to read all this, but I shall do. All this is to come into effect april 2013, yikes, it is hard whilst the rich get richer and legally avoid paying huge amounts of tax, we at the bottom are paying our paye at 20% above approx £7,400 and then 20% VAT on everything nearly, it is just so tough and unless people start to unite, live together and share costs, and live like people do in third world countries, I do not know how people with a low income or on benefits, although there are a few exceptions here, are going to manage to live never mind eat and keep warm.
The mood of people in Britain in poor areas are low and depressing, and there is more crime on the street (although it does not appear to be if you read the news) and a lot more angry and stressed people, not to mention how many more care in the community vulnerable people are wandering the streets when they ought to be cared for and provided for in a special place of care, so not only are people struggling financially but they are struggling with crime and the community too, and on top of that the poor are struggling with education with no EMA payments (only few exceptions), and huge university costs, etc, most working class I feel may think twice about doing a degree or going to college (this is where schools may benefit, but school does not suit all children), the future of the working class in the uk now is not a bright one and even less bright with the hastening approach of such a foul benefit as universal credit, most people will be worse off, although some groups will be ok.