I’m so sorry to have to tell you that our good friend and comrade Christine Clarke passed away earlier this week.
Christine was a huge supporter of my blog and our campaign and was a constant support not only to me but to others.
She had a very kind heart and was a long time protector of our planet having been a long term member of the green party. Christine was also a campaigner at Greenham Common and other campaigns.
Her kindness knew no bounds and this radiated to others always there to comfort people especially at Ashton Under Lyne Jobcentre demos. Always there to help and advise others in their time of need.
Christine, you will be sadly missed by so many thanks for the memories and good times. I shall miss you dearly.
My photo that was taken on one of our Universal Credit demonstrations.
The government has been found to be still deducting money from people’s Universal Credit to pay their utility bills, despite them losing a legal case concerning deductions being taken from other benefits.
Roll back to 2022 High Court judges judged that this payment scheme which allows money to be taken from people claiming benefits to pay energy bills, was unlawful if the claimant had not been consulted first.
However it comes as no surprise that the ruling did not cover people claiming Universal Credit. Thousands of people are are still having money taken from their payments without consulting with claimants to see if they can afford to pay them.
This leaves them with far less money to cover their bills and everyday expenses.
The government unsurprisingly says the policy is fair after all their not struggling financially are they.
The government said that the repayment scheme protected people from the potential consequences of not paying bills which includes and is not exclusive to homelessness, service disconnections, potential court actions.
All of which will still occur because taking payment deductions without consulting the claimant will still result in all of the above.
It’s totally unfair, the repayment decisions don’t take into account a person’s ability to afford this and undoubtedly push people further into poverty.
Under the governments repayment policy, private utility companies and others can apply to the Department for Work and Pensions (DWP) for up to 25% of a person’s benefits to be paid directly to them – to repay a debt and meet ongoing usage costs.
That’s a hell of a lot of money to be taken from a persons payments. Many claimants have more than one debt being taken from their payments.
It’s unfair and cruel, it’s already a struggle to get by due to the cost of living and energy payment crises.
Court Ruling
In september last year (2022), a disabled former Leicestershire police constable won a High Court case against the government scheme.
The court ruling is applied to some claimants on legacy benefits eg jobseeker’s allowance (JSA) and income-related employment and support allowance (ESA).
But the devil’s in the detail isn’t it. The ruling does not apply to people claiming Universal Credit.
No surprise really, there’s no way they’d want this to apply to UC claimants. It’s a cruel, harsh system and they don’t want it making life easier for them.
However following another separate legal change, which took effect in April 2022, households receiving Universal Credit. This legal change states that claimants must now be asked to agree to new deductions for ongoing usage costs for electricity or gas.
But once again the DWP is taking full advantage of this decision. It’s a request and not a legal requirement to ask for consent for new deductions for electricity or gas and water bills that are in arrears.
So they give with one hand and take more away. Surprise surprise.
In figures released in November 2022 to the BBC show that around 431,800 automatic deductions were in place from households receiving Universal Credit for utilities bills. A Freedom of Information request by BBC News has found 221,000 of those were for arrears.
In June, the DWP lost an appeal against the High Court ruling and is now allowing people the chance to submit representations before new deductions are made from legacy benefits.
It says it doesn’t plan to retrospectively seek consent from anyone already having money deducted.
The DWP have told BBC news that they don’t make any money from administering third party deductions.
The final costs of contesting the judicial review and appeal with Ms Timson were not yet known.
I expect the government to continue to contest this decision at every step, after all their priorities don’t lie with people living in poverty. There’s always enough money for this
Fitch Ratings a top credit ratings agency has warned the government that mortgaged homeowners in the UKare now more at risk of falling into arrears than in any other major developed country.
They also warn that the share of mortgaged homeowners missing more than three months of mortgage payments is most likely to double in 2023 to 1.5% as a result of high rates being charged to borrowers.
These figures are based upon the current number of residential mortgages in the UK which adds to approximately 135,000 households facing mortgage repayment arrears.
Research conducted by Fitch reveals Thar banks in the UK are more exposed to the housing market than in any of the 10 developed markets ranked by Fitch which include Canada, the USA, Germany, Australia and Italy.
A statement issued by Monsur Hussain at Fitch reveals “The UK scores the worst in terms of borrower risks.”
Fitch have also forecasted that the Bank of England will most likely raise the Bank Rate to a peak of 4.75%, up from 4% currently by May this year.
Jessica Hinds, director of economics at Fitch, said: “We have seen much bigger increases in mortgage rates, the Bank of England started tightening much earlier, and we have shorter mortgage terms than in other countries.”
Rather shockingly British borrowers fix for short periods of time either two or five years, buyers in the US commonly fix for around 25 years.
Mr Hussain from Fitch went on to say that in the year to November 2022 the average mortgage rates in the UK jumped by 4.5 percentage points compared to 3.5 points in the US.
As a result of this the UK’s housing market has come under immense pressure after mortgage rates increased dramatically when Kwasi Kwarteng’s mini-budget was revealed inciting chaos in financial markets.
Even though rates have since started to fall concerns about the cost of living crisis and ever increasing energy bills have deeply impacted employment stability and less money available to pay mortgage and everyday household costs.
This has already had a massive effect upon mortgage repayments and is undoubtedly resulting in many being forced to sell their homes with many being repossessed and then becoming homeless.
Although this might not be seen as an important issue for some it is indeed a massive problem for not only people becoming homeless but for local authorities that are already massively underfunded being forced to bear the burden of this.
I can’t see this getting better and a housing recession could well be on the cards in the near future.
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A 87 year old woman died after developing hypothermia at home after expressing concerns that she was worried about paying her energy bills.
Barbara Bolton, 87, had previously told relatives she had felt cold after they had visited her at her home in Bury to check on her wellbeing. Sadly as a result she was rushed to Fairfield hospital where she was then diagnosed with hypothermia.
However despite the good care given by NHS medical professionals, her condition sadly deteriorated and as a result of her worsening condition she sadly died several weeks later.
Therefore an inquest into her death was opened at Rochdale Coroner’s Court, details can be found here.
Hospital notes given to the inquest indicate that her illness and subsequent death was linked to the fact she couldn’t afford to put her heating on.
Her son, Mark Bolton, 61, said his “proud” mum had refused his offer to help to pay her power bills as reported in the Mirror. She had been heating her home by using a single gas fire in her living room and used portable electric heaters to warm the rest of her two-bedroom house.
Ms Bolton had previously worked as a pharmacy assistant at her local Tesco until the age of 82 and she had lived at her home on Dawson Street in Bury for several decades.
Her son Mark told the inquest that he spoke to his mum every night and that she had told him that she was worried about her heating bills, despite assurances from him that he would cover the costs.
Mark said “She was concerned about all her bills because she was a pensioner. She was careful, she was mindful of the prices and worried about them going up,” he said.
Mark told the coroner that he had always told her to ‘just keep your heating on’ and ‘don’t worry about the bills mum.’ “But she was very stubborn and proud about paying her own way,” he said.
He told the hearing that his mum had ‘felt cold’ when she was found sat at her kitchen table by one of her grandchildren, who had gone round after the family had not been able to contact her.
Police coroner’s officer Jane Scullion told the hearing: “Barbara was admitted to hospital on December 11, 2022, with hypothermia, and a chest infection.
“During that time she continued to deteriorate. After a discussion, she was placed on end of life care and passed away.”
Assistant coroner for Manchester North Julie Mitchel adjourned the inquest and has requested statements from her doctor and asked for a medical cause of death to be provided.
“Her death was particularly accelerated by hypothermia and there is a possibility of self-neglect due to the lack of heating so her death has been referred to the coroner,” she said.
Hypothermia is caused by prolonged exposures to very cold temperatures and requires immediate medical intervention. Causes include not wearing warm clothes in winter, falling into cold water and living in a cold house.
Sadly I fear that her death caused by living in a cold house isn’t the first and will certainly not be the last. Thousands if not more people are being forced by an uncaring, cruel government to live in cold and in many cases, damp houses as a result of the ever increasing energy costs.
For those saying that she should have jut accepted the help offered, it isn’t always as easy for various reasons. Admitting that you’re poor and can’t afford to heat your home is a very difficult thing to have to admit, and as a parent this can be even harder.
Society deems that parents should look after their children and not the other way round, and asking your children for help can make a parent feel like an absolute failure, and she wouldn’t have made her decision lightly.
This nightmare isn’t going to end soon, I wish it was.The reality is that thousands, including myself are counting down the days until spring arrives and warmer weather returns, it can’t come a minute too soon.
The government has absolutely no intention of changing things for the better, they prefer to spend their time trying to cover up senior ministers deception and lies rather than help those in need.
It’s one rule for them and one for us and the death of Ms Bolton and others won’t bother them in the slightest.
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It was recently announced during a Commons debate in parliament that Universal Credit sanctions (UC) are “back with a vengeance”. This comes after the figures for the last quarter have been revealed.
According to the released figures the sanction rates are now 250% higher than they were for the three months before the pandemic.
It’s extremely worrying that the figures have risen so much in such a short amount of time makes me very concerned about the welfare of UC claimants.
The huge increase allows for the ever increasing number of UC claimants. In layman’s terms it amounts to 2.5% of UC claimants being sanctioned each month which is almost double the amount when compared to 1.4% before the pandemic.
Let’s not forget that in June 2022 £34 million was taken away from claimants as a result of being sanctioned. This was followed in July 2022 by £34.9 million and then in August taking the total to over £36 million.
When you do the maths this totals to £100 million which has literally been taken from vulnerable claimants that were already struggling to pay for basic necessities.
Upon questioning these figures Guy Opperman minister for employment speaking on behalf repeatedly avoided answering a question which asked why the number of sanctions had increased so rapidly.
The only other possibility being that the DWP may have changed its policy on applying sanctions but neglecting to inform everyone that would be affected by this. After all it’s not the first time that they’ve done this.
The only answer that Opperman eventually gave was “The hon. Gentleman asked specifically about the rise in the number of sanctions. Some 98.2% of sanctions are for missing a meeting with a work coach.”
Opperman declined to give an explanation as to why twice as many claimants are now supposedly choosing to miss appointments with their DWP advisor.
Of course this makes no sense because claimants are desperate to receive their UC payments. Methinks Opperman’s not being honest which comes as no surprise at all.
However Anne McLaughlin, SNP MP for Glasgow North East didn’t hold back from being honest in informing the commons the advice that she gives every UC claimant that has come to her after being sanctioned.
She went on to say;
“If you have your benefits sanctioned, do not take it lying down. Contact me and I will fight this for you, because this is wrong and nobody should have to live on less than the minimum income.”
This is of course correct, everyone that finds themselves in this position should fight it. The reality is that many don’t because they don’t have the strength to do so.
I have spoken to many people that had taken the decision to stop claiming UC because they can’t cope with it leaving them with little or no income to live on.
More MPs need to speak up about this in parliament but I won’t hold my breath. Only a few MPs including Debbie Abrahams actually speak up about this but others need to follow.
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TRIGGER WARNING. Contains mention of suicide and trauma.
A collection of stories that highlight the amount of cruelty that UC (Universal Credit) claimants are forced to endure has been recently published by Disability News Service (DNS). Sadly these stories won’t be a surprise for UC claimants
One such story article describes the death of a disabled woman who was left traumatized by the overbearing daily demands made by the UC system.
Upon applying for UC the DWP (Department of Work and Pensions)were told of the mental distress that the system was causing which in turn led to suicidal thoughts and an overwhelming fear of the DWP and the universal credit system.
Despite their knowledge of this the DWP continued to harass her.
Tragically she took her own life four days after being told she would need to attend a face-to-face meeting with a DWP work coach.
Another example describes how disabled claimant Philip Manion struggled enormously when he saw his UC payments cut from £1,260 to £500 due to a mistake made by the DWP.
Philip tried to attend a meeting to rectify this mistake but instead he was taken out of the Jobcentre by seven security guards. Their reasoning for this was because he found he was unable to log into his online journal from his mobile phone.
To add even more insult to injury he was then recorded as having failed to attend the meeting, despite attending and all of his UC payments were stopped.
Disability News Service went on to describe how former nurse Shirley Rudolph spent 10 years caring for her husband and was placed in the limited capability for work category due to suffering from generalized anxiety disorder.
Rudolph’s husband died in July and she subsequently informed her work coach that she wouldn’t be unable to attend their scheduled meeting because she was making arrangements for her husband’s funeral.
Rather unsurprisingly her work coach wasn’t sympathetic and moved her appointment to the following week. At the same time they sent Rudolph a job application to complete immediately.
As a result of the distress and the pressure Rudolph was forced to undergo she chose to end her universal credit claim and is now surviving on her NHS pension alone forcing her to struggle immensely.
Although horrible this comes as no surprise to many disabled UC claimants that find themselves hounded by the cruel UC system that deliberately targets disabled claimants forcing them to unfairly comply with rules that they are unable to achieve.
It goes without saying that no one should be forced to live like this disabled and non disabled, but sadly I can’t see this stopping for the foreseeable future.
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Vodafone Group PLC has announced a new social broadband tariff for households giving them connectivity for £12 a month. They will also give small businesses free broadband for a year as part of their new cost-of-living package.
The new Vodafone Essentials Broadband deal will be available to anyone in receipt of Jobseekers’ Allowance, Universal Credit, Employment and Support Allowance, Disability Allowance or Personal Independence Payment.
As part of their new cost of living package they will be also offering small business owners and any new or existing customers that are eligible to upgrade free business broadband for 12 months on a 24-month plan.
Vodafone have based these new packages on research that shows that people are reliant upon connectivity to help them cope better with the cost of living crisis..
These new packages will also enable people to connect to the internet which is essential for people claiming Universal Credit and job searching.
Having access to the internet has become an essential part of daily life and life without internet access can be very difficult.
Vodaphone Chief Executive Ahmed Essam says “The rising cost of living is putting a million families at risk of falling on the wrong side of the digital divide,”
He goes on to say “We must not allow this to happen. So as part of our everyone.connected programme, today we are launching Vodafone Essentials Broadband at just £12 a month, the cheapest on the market, and 12 months free broadband for small businesses.
“Vodafone is the only network provider to offer social tariffs across fixed and mobile, meaning eligible customers can access mobile and broadband connectivity for 72 pence a day.
“These new tariffs complement Voxi for Now and the 750,000 free sims we’ve donated so far as part of our everyone.connected programme.
“We’re on track to meet our commitment to donate a million connections by the end of this year and will continue to put the cause at the heart of our business until the problem no longer exists.”
Original source Martyn Landi, PA Technology Correspondent
Vodafone Group PLC has announced a new social broadband tariff for households giving them connectivity for £12 a month. They will also give small businesses free broadband for a year as part of their new cost-of-living package.
The new Vodafone Essentials Broadband deal will be available to anyone in receipt of Jobseekers’ Allowance, Universal Credit, Employment and Support Allowance, Disability Allowance or Personal Independence Payment.
As part of their new cost of living package they will be also offering small business owners and any new or existing customers that are eligible to upgrade free business broadband for 12 months on a 24-month plan.
Vodafone have based these new packages on research that shows that people are reliant upon connectivity to help them cope better with the cost of living crisis..
These new packages will also enable people to connect to the internet which is essential for people claiming Universal Credit and job searching.
Having access to the internet has become an essential part of daily life and life without internet access can be very difficult.
Vodaphone Chief Executive Ahmed Essam says “The rising cost of living is putting a million families at risk of falling on the wrong side of the digital divide,”
He goes on to say “We must not allow this to happen. So as part of our everyone.connected programme, today we are launching Vodafone Essentials Broadband at just £12 a month, the cheapest on the market, and 12 months free broadband for small businesses.
“Vodafone is the only network provider to offer social tariffs across fixed and mobile, meaning eligible customers can access mobile and broadband connectivity for 72 pence a day.
“These new tariffs complement Voxi for Now and the 750,000 free sims we’ve donated so far as part of our everyone.connected programme.
“We’re on track to meet our commitment to donate a million connections by the end of this year and will continue to put the cause at the heart of our business until the problem no longer exists.”
Original source Martyn Landi, PA Technology Correspondent
The poor side of life 