Tag: aggression

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UK Mortgaged Homeowners More At Risk Of Arrears Than Other Developed Countries

Fitch Ratings a top credit ratings agency has warned the government that mortgaged homeowners in the UK are 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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An Observation Of Life On The Streets Of Manchester

My ramblings.

First published a few years ago but nothing much has changed.

I notice a young homeless girl living on the street. She has her blankets and bags next to her ready for the night ahead.
She should be excited about life but instead she looks lost. She has a can of beer next to her, she says to numb the pain and cold.

She’s sat with a group of men, also homeless but seems detached from them. I ask her if she is ok, and she says that she is and that there’s safety in numbers.
She needs to keep safe. As a woman living on the streets life can be very dangerous. Even if you don’t like the people you are sitting next to you stay with them she says. They are her protection.

She wants to make enough money for a b&b for the night, but says she has given up all hope of finding a permanent home because she has addiction issues and feels unable to deal with them. She will one day she says.
After saying this her facial expression changes as worry weighs down heavily on her mind. A weight that she feels can’t be lifted at the moment.

Whilst we are talking a young man rushes past, earphones on looks anxious. Perhaps late for an appointment. He doesn’t notice the homeless girl sat near him. He’s self consumed with himself and his journey. She says that she sees this all the time.

Her wish, she says is that people would be nice to one another. She would like more people to say hello, but they don’t and she looks down again.

A lady walks past walking her dog. People stop and compliment her on her dog. They don’t notice the young girl, but they notice the dog. I feel that this is rather sad. A vulnerable human life appears to be less important.

A teenage boy stands next to the homeless girl. He says hello to her and asks her if she would mind if he plays some music and starts rapping. She welcomes it.

His rapping consists of the story of his life, that he has encountered prejudice, loss and also some lovely things.
People start to give him money, but instead of keeping it himself he gives it to the homeless girl. He tells her that she is important, that she is loved and not to give up.

He tells her that one day, life will get better because his did. She smiles and thanks him.
Maybe, just maybe that one act of kindness gave her the strength to carry on.
I’d like to think that she kept warm for that night.

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87 Year Old Woman Dies After Developing Hypothermia

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.

I don’t receive any payment for the work that I do and to say it’s a struggle is an understatement..

If you would like to support my work and can afford to there’s a donate button at the top and side of this blog page.

I’m struggling to pay my internet bill which is due in a few days and keep myself warm like so many of you are too.

Every penny will be put to good use to enable me to fight the good fight for much longer.

Thank you for your support and a huge thank you to everyone that shares and reads my blog posts

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DWP Independent Case Examiner Overwhelmed By Complaints

The DWP (Department of Work and Pensions) Independent Case Examiner also known as ICE has revealed that they are overwhelmed by a huge amount of complaints from claimants.

This was revealed when they responded to an MP’s written question recently in parliament.



ICE is an organisation used by the DWP to deal with claimant’s complaints against the DWP. This is the next step when a claimant has exhausted the DWP’s internal complaints procedure and is still not satisfied with the response given.

Complaints against the DWP can be for various reasons including and not excluding others;

A failure by the DWP to follow proper procedures

Excessive payment delays for benefits

Sub standard customer service given to claimants.

It’s also noted that there has been a 17% increase in the number of complaints made to ICE in the year 2021to March 2022.

In itself may not be seen as a huge increase, however it is an increase and should be dealt with in the utmost urgency



However the huge increase in complaints arises in the proportion of cases that ICE has agreed to look into. This has increased by an astonishing 68% in the last year.

This therefore means that ICE is receiving a huge increase in complaints where it believes that there is a case to answer than in previous years.


As a result of this increase there are now 1,249 cases waiting for an ICE investigator to be allocated. The average time for a complaint to be dealt with currently takes is 53 weeks,so in total this means that it takes over a year before an investigation begins.

Personally I don’t know any person making a complaint against the DWP that can afford to wait that long albeit for financial and other complaint reasons.

It takes a great deal of courage to make a complaint against the DWP and as a result many don’t make complaints when they should do.

The complaints procedure is complex and very stressful for everyone making a complaint against the DWP and as a result it can impact a person’s health and ability to manage their daily life’s.

It comes as no surprise that legal justice that claimants are entitled to is subject to long indefensible delays without question.

It’s also noted that the DWP can make a decision to apply cruel, harsh and often unwanted sanctions on the most vulnerable and in need of help whilst their real and valid complaints.

Once again it’s one rule for claimants and yet another for their oppressors.

Please read, share and tweet this article doing so makes a huge difference in raising awareness!

A huge thanks to everyone that reads, subscribes, shares and helps to keep my blog and campaign going.

I couldn’t do it without you.

I don’t receive any payment for the work that I do and every penny makes a huge difference.

If you’d like to donate and can afford to do so there’s a donate button at the top and side of this blog post.

Thank you!

Ashton Under lyne, baby, benefit repayments,, Black Isle Media, Boris Johnson, Brighthouse, confidence, Cookery, coronavirus, cost of living, covid 19, Decision maker, dignity pre paid funerals,, DLA, domestic violence, domestic violence,, DPAC, DWP blog,, dwp debt, Elderly, energy poverty,, ESA, eugenics, Family, feminism, Food, Food bank, food poverty, Free, frugal, fuel poverty, funeral plans,, G4S, government, Green Party, Housing, hunger, Hygiene Poverty,, International Women's Day, Ireland,, Jeremy Corbyn, Jobcentre, Ken Loach, liz truss, loose women, love island, Mandatory reconsideration, Money saving tips, New Charter Housing, NHS, NHS dentist, Northern resisters, Payday loan, PIP, PIP claim, poverty, pre paid funeral plans,, pre paid funerals,, prepaid energy, prepaid energy metres, public transport, Republic Ireland budget 2023, Republic of Ireland,, safe hands,, sanctions, Steven Crabb, suicide, targets, Tax credits, television, Television Licence, Television Licence fines, Teresa May, The Big Issue, The Labour Party, The Poor Side Of Life, Theresa May, trade union movement, Uncategorized, Universal credit, womens rights, Workfare, Workprogramme, young people

PIP Appeal Rates Rise By 119%

It has recently been revealed by Benefits And Work that PIP (Personal Independence Payments) appeal figures have risen by 119% in 2022, this is compared to the same quarter in 2021.

The rate of UC (Universal Credit) appeals has also risen by 28% the latest official figures show.

The number of cases that were dealt increased by only 18% in the same time period compared to figures from 2021.


Figures show that there were 63,000 outstanding cases by the end of September 2021 which adds to an annual increase of 96%.



The average wait time for an appeal averaged at 31 weeks. This shows that it is 8 weeks down from 2021 figures , but is likely to increase over the coming quarters as the backlog rises inexorably.

The success rate for PIP appeals remains unchanged at 68%. This shows that the vast majority of those who appeal are correct in their decision to appeal however the wait time for appeals to be heard continues to rise.



For UC claimants it is revealed that the appeal success rates are now at 49% which is an increase of 7% on the previous year.

DLA (Disability Living Allowance) success rates are now at 61% which is down 6%.

Meanwhile ESA (Employment and Support Allowance success rates are now 53%, down on the previous year at 1%

Appealing against any DWP (Department of Work and Pensions) decision is always daunting and extremely stressful. Not only is the appeal process hard to navigate, the waiting times for appeals and tribunals to be heard is increasing.

The success rate shows that those making the decision to appeal have made the right decision in doing so.

Sadly many people that are entitled to appeal fail to do so because they can’t afford to wait a long time for their appeal to be heard and also can’t cope with the stress involved, many having no support network to rely upon.

I don’t need to tell you that the downright discrimination and hatred given to disabled and unemployed people is totally unfair and discriminatory.

This cruelty combined with the increasing cost of living and energy prices is making life extremely difficult for those that are most in need of financial help.

In an ideal world this wouldn’t be happening at all but there won’t be any positive changes made to the system whilst there’s a Tory government in power.

The conservative party is doing what they do best, punishing the most vulnerable and poor for their very existence, they need to be stopped and soon before more people suffer and die as a result of their actions.

Photo by Pavel Danilyuk on Pexels.com

Please read, share and tweet this article and my others to increase awareness. It makes a massive difference and I can’t thank everyone that does enough.

A huge thanks to all of my subscribers and readers for the help and support that you have given in the previous year. I really couldn’t do this without you.

I don’t get paid for any of the work that I do and it’s a massive struggle.

If you can afford to and would like to donate to keeping this blog and campaign going there’s a donate button at the top and side of this blog post.

Thank you!

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Universal Credit Sanctions Back With A Vengence


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.

Photo by Anna Tarazevich on Pexels.com

Please read, share and tweet my blog posts. Doing this makes a huge difference in raising awareness!

A big thanks to everyone that does so.

A huge thanks to everyone that has and does support my blog and campaign. I don’t receive any payment for the work that I do and every penny enables me to continue with my work.

Ashton Under lyne, baby, Black Isle Media, Boris Johnson, Brighthouse, confidence, Cookery, coronavirus, cost of living, covid 19, Damien Green, Decision maker, dignity pre paid funerals,, DLA, domestic violence, domestic violence,, DPAC, DWP blog,, Elderly, energy poverty,, ESA, eugenics, Family, feminism, Food, Food bank, food poverty, Free, frugal, fuel poverty, funeral plans,, G4S, government, Green Party, Housing, hunger, Hygiene Poverty,, International Women's Day, Ireland,, Jeremy Corbyn, Jobcentre, Ken Loach, liz truss, loose women, love island, Mandatory reconsideration, Money saving tips, New Charter Housing, NHS, NHS dentist, Northern resisters, Payday loan, PIP, PIP claim, poverty, pre paid funeral plans,, pre paid funerals,, prepaid energy, prepaid energy metres, public transport, Republic Ireland budget 2023, Republic of Ireland,, safe hands,, sanctions, Steven Crabb, suicide, targets, Tax credits, television, Television Licence, Television Licence fines, Teresa May, The Big Issue, The Labour Party, The Poor Side Of Life, Theresa May, trade union movement, Uncategorized, Universal credit, womens rights, Workfare, Workprogramme, young people

Important News For Bus Fares Outside Of London
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Important News For Bus Fares Outside Of London
Ashton Under lyne, baby, Black Isle Media, Boris Johnson, Brighthouse, confidence, Cookery, coronavirus, cost of living, covid 19, Decision maker, dignity pre paid funerals,, DLA, domestic violence, domestic violence,, DPAC, DWP blog,, Elderly, energy poverty,, ESA, eugenics, Family, feminism, Food, Food bank, food poverty, Free, frugal, fuel poverty, funeral plans,, G4S, government, Green Party, Housing, hunger, International Women's Day, Ireland,, Jeremy Corbyn, Jobcentre, Ken Loach, liz truss, loose women, love island, Mandatory reconsideration, Money saving tips, New Charter Housing, NHS, NHS dentist, Northern resisters, Payday loan, PIP, PIP claim, poverty, pre paid funeral plans,, pre paid funerals,, prepaid energy, prepaid energy metres, Republic Ireland budget 2023, Republic of Ireland,, safe hands,, sanctions, Steven Crabb, suicide, targets, Tax credits, television, Television Licence, Television Licence fines, Teresa May, The Big Issue, The Labour Party, The Poor Side Of Life, Theresa May, trade union movement, Uncategorized, Universal credit, womens rights, Workfare, Workprogramme, young people

Less Than 4 In 10 Claims For PIP Successful

At last the DWP (Department of Work and Pensions) have published the statistics for PIP (Personal Independence Payments) for the time period from August 2017 to July 2022.

Revealed in the report is that just 39% of PIP claims in England and Wales have resulted in successfully receiving an award.

Also included are the statistics for all planned award reviews for the same time period.

These figures reveal that the possibility of being awarded a higher amount once it has been reviewed are only 18%, however the chances of being financially worse off are much higher at 32%.

It’s clear to see that for both new claims and reviews all details and evidence should be acted upon accurately taking both into account.

The evidence proves otherwise and often claimants are at the whim of an assessor or reviewer that may not take available evidence and details into account.

Not only is the application process stressful, the appeal process is even more so, taking into account the lengthy time period to take an appeal to tribunal which results in many applicants giving up with their appeal.

However once taken to an appeal tribunal there’s a much higher possibility that it will result in a favourable outcome.

It’s always worth taking a case to appeal and then tribunal, but with the process being stressful and lengthy many don’t do so therefore resulting in the DWP to benefit financially.

A huge thanks to everyone that subscribes, reads, and shares my blog posts. It’s extremely important to raise awareness and it helps so much!

Thanks also to my subscribers!

I don’t receive any payment for my work and as many of you know it’s a struggle.

If you can afford to and would like to donate to keep this blog and campaign going there’s a donate button at the top and side of this blog post.

The fees to keep this website going are approaching quickly and I’ve no idea how I’m going to pay them. Every penny will help me to continue to blog and help people.

I really don’t want to leave this blog platform as it does everything that I need and is easy for me to use.

Thank you!

It’s also my 8 year anniversary for this blog, time has passed far too quickly!


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Ashton Under lyne, baby, Black Isle Media, Boris Johnson, confidence, cost of living, covid 19, DPAC, DWP blog,, Elderly, energy poverty,, ESA, eugenics, Family, feminism, Food, Food bank, food poverty, Free, frugal, fuel poverty, funeral plans,, G4S, government, Housing, hunger, International Women's Day, Ireland,, Jeremy Corbyn, Jobcentre, Ken Loach, liz truss, New Charter Housing, NHS, NHS dentist, Northern resisters, Payday loan, PIP, poverty, pre paid funeral plans,, pre paid funerals,, prepaid energy, prepaid energy metres, Republic Ireland budget 2023, Republic of Ireland,, safe hands,, sanctions, Steven Crabb, suicide, targets, Tax credits, television, Television Licence, Television Licence fines, Teresa May, The Big Issue, The Labour Party, The Poor Side Of Life, Theresa May, trade union movement, Uncategorized, Universal credit, womens rights, Workfare, Workprogramme, young people

NEW BLOG POST 7.45 AM TOMORROW!
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NEW BLOG POST 7.45 AM TOMORROW!
NEW BLOG POST 7.45 AM TOMORROW!
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Disabled Woman Wins Court Battle With DWP
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Disabled Woman Wins Court Battle With DWP
https://www.theguardian.com/society/2022/sep/23/disabled-woman-wins-legal-challenge-against-dwp-over-automatic-benefit-deduction?CMP=share_btn_tw