Tag: desperation

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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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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.

Photo by cottonbro on Pexels.com

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A huge thank you to everyone that reads, subscribes to and supports my blog and the work that I do.

I really couldn’t do this without you and I can’t thank you enough.

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Thank you so much!

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New Cruel Universal Credit Sanction Traps Exposed

I’d like to say I was surprised upon hearing about a new sanction trap for Universal Credit (UC)) claimants but I’m not, afterall it’s not exactly the first time they’ve done this to unsuspecting claimants.

This time it’s been disguised as supposed help to move claimants into work.


The new scheme which has surprisingly been condemned by members of the DWP staff union PCS despite jobcentre workers are being offered a £250 ‘incentive’ to implement it.



The newly named Additional Jobcentre Support scheme requires UC claimants being forced by the DWP (Department of Work and Pensions) to attend their allocated Jobcentre 10 times over a two week period.


Claimants that are unable to attend or failing to participate in one session will highly likely to lead to a sanction.



Undeterred however by the cruelty of this new scheme the DWP are being ‘trialed’ at 60 jobcentres across England and Scotland.

As already proven by myself and many other like-minded campaigners these so called trials are usually the start of a national roll out regardless if they’re successful or not.



To add incentive to roll out this terrible scheme the DWP are offering a £250 bonus in the form of a voucher “to recognise and reward jobcentre teams who furthest exceed their aspirational targets.”

These vouchers will be given to each member of staff in the best performing jobcentres.


No explanation has so far been given as to what the alleged “aspirational targets” consist of and if this involves taking people off benefitif claimants have failed to comply for whatever reason. Nor has the DWP commented if it involves sanctioning claimants or forcing claimants into unsuitable and insecure work.


The PCS union, which represents DWP staff commented saying that they have no doubt that the main purpose of the scheme is to make life harder for claimants, saying:

“Our members will see through this pilot for what it is – a government hellbent on making it more difficult for people to claim benefits and which will increase the risk of poverty for those customers who fall foul of this pilot. Asking more customers to travel more often into jobcentres does nothing to help our staff or their workloads and does nothing to help the customers find the work that they need.”

However as I have already stated this isn’t the first time that the DWP have issued financial targets to incentivise cruelty.

Previous examples of this are ‘Sandras Stars’ which consisted of a Jobcentre manager giving DWP employees a star on a leaderboard for every employee that ‘offloaded’ sanctioned a claimant.

https://wp.me/p1Awq-2cd Sandra’s Stars

And who could also forget this example back in 2015. Of course they denied that this happened but the truth was all too obvious.

If there’s one thing that the government likes doing the most is implementing cruelty to the poorest and most vulnerable the very people.

The government and their henchpeople the DWP target social security claimants the most because they’re less likely to fightback and demand they’re treated fairly.

Most are worn down with the constant compliance requests that they’re hounded with.

They know that people claiming any form of social security are already paying the highest price for the cost of living and energy bills prices.

Many are primarily focused upon trying to get by from day to day and are less likely to know their legal rights and how to appeal DWP decisions.

Let’s hope that the PCS DWP staff members rebel against the mandate given to them from the government and their managers. If they do they deserve our support.

Photo by Pavel Danilyuk on Pexels.com

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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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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.

Please read, share and tweet this article, every share makes a massive difference and raises awareness.

I don’t receive any payment for the work that I do and if you can afford to and would like to donate you can find a donate button at the top and side of this blog post.

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UK Social Security Rates Amongst The Lowest
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UK Social Security Rates Amongst The Lowest
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Vodaphone Announce New Social Broadband Tariff And Free Broadband For Small Businesses.

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

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, 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

Vodaphone Announce New Social Broadband Tariff And Free Broadband For Small Businesses.

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

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, 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

Vodaphone Announce New Social Broadband Tariff And Free Broadband For Small Businesses.

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

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Vodaphone Announce New Social Broadband Tariff And Free Broadband For Small Businesses.

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