Tag: council tax

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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1 In 7 Universal Credit Claimants Sanctioned

According to statistics released by the DWP (Department of Work and Pensions) the rate of universal credit recipients hit an all-time high of 6.86% in October 2022.

This total decreased slightly to 6.51% in November 2022.

The statistics released by the DWP show that sanctions have risen by 4.16 percentage points in the last 12 months.



Sanctions given to universal credit recipients can be and are not excluding other reasons for failure to attend or participate in a mandatory interview, failure or inability to complete their online journal or being seen as not to be looking for work enough in their time allotted to do so.

Over the last year over half a million claimants were sanctioned which includes a total of 98.4% of all sanctions given for not attending an in-face or telephone interview.

Needless to say most universal credit recipients do not purposely miss important interviews and there is usually a good reason for doing so which are often not taken into consideration by the DWP.

At a time when most people are struggling because of the current cost of living and energy cost crisis the DWP continues to financially punish the most vulnerable.

It’s abhorrent that the DWP continues to do this, they extend a person’s punishment to such an extent that they can’t see a way out.

It needs to stop before even more people die as a result of the DWPs actions and decision making.

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Huge Rise In People Rehoming Pets

The charity the Dogs Trust has reported a huge rise in the number of people trying to rehome their pets.

The RSPCA have also seen that animal shelters and rehoming organisations have also seen a massive rise in animal rehoming saying that they are ‘drowning’ in animals as the cost of living and energy crisis continues to hit hard.

According to figures given by the Dogs Trust the number of pet owners attempting to rehome their dogs had risen hugely last year and continues to do so. Many shelters are now experiencing long waiting lists. Also seen is an increase in setting up pet food banks to help prevent people from having to re-home their pets.

Between 1 January 2022 and 31 October 2022 the Dogs Trust received 42,000 inquiries from dog owners about rehoming which is a rise of almost 50% on the same period in 2021. Sadly these figures show no sign of decreasing.

Amanda Sands, centre manager at Dogs Trust Leeds, said she had never seen such high demand in three decades of working at the shelter.

There’s people bringing in their dogs that at one time would’ve said: ‘I will never give my dog up.’ And they meant it,” she said. “And now they’re faced with the situation where they have no choice. To have to say goodbye to your friend, it’s unbearable. It’s unthinkable.”



The Association of Dogs and Cats Homes (ADCH), in conjunction with ITV’s Tonight programme, surveyed more than 60 animal shelters across the country about how they were responding to the cost of living crisis.

The figures showed 92% of shelters were seeing more people wanting to hand over a dog compared with pre-pandemic levels, and 88% were seeing more people wanting to hand over cats.

More than half were planning on opening pet food banks to respond to the crisis, and 30% were thinking about providing low-cost or free veterinary care.

Sadly these numbers are increasing as people can no longer afford to buy food for their pets. They are also finding it near impossible to pay for any vet bills that may occur.

The RSPCA also reported in 2022 a 24% increase in pets being rehomed as shelters report that they can’t keep up with rehoming requests.

Also back in 2022 75 families were using a food bank at the Blue Cross Animal Hospital in Grimsby every week.


Mark had been using the food bank for several months to help pay for specialist dog food for his staffordshire bull terrier Roxy. This has helped him save £60 a month on food. “She’s part of the family. We’d sooner go without ourselves then give Roxy up,” he told the Tonight programme.


Meanwhile a YouGov and Dogs Trust poll that was made in conjunction with the Tonight programme found that 48% of dog owners were saying they now are now finding it more difficult to provide their pets everything that they need because of the cost of living crisis.

Understandably vet bills topped the list of concerns which was followed by the rising cost of dog food and pet insurance costs.

Roll forward to 2023 I can only imagine that these figures are rising. It’s difficult to find a foodbank that provides dog and cat food although there are some that do.

No one wants to rehome their pets, it’s a decision that is usually made when they’ve exhausted all other means of providing the essentials for their pets.

As the cost of living and energy cost crisis continues there’s no doubt that the most vulnerable will undoubtedly pay the highest price.

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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.

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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.

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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.

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Universal Credit Cruelty Highlighted Again

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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Autumn Budget Benefit Increases.

UK Social Security Rates Amongst The Lowest

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!

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

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