Tag: desperation

Cruel Universal Credit Sanction Rates Continue To Increase


It’s no surprise that the DWP (Department Of Work And Pensions) is continuing to punish universal credit (UC) claimants with their harsh sanction regime afterall it’s their favorite and easiest method of punishment that they use.



The latest official figures show that sanctions rate had remained to above 7% from August through to November of 2023 which are the most recent months of which figures are available.

However in in March 2020, just before the pandemic began, UC sanctions rates were at just 2.5% having fallen steadily since January 2017.

The DWP have unsurprisingly given no explanation for this almost threefold increase in sanctions.

I mean how on earth could this happen?

Sanctions are imposed for various reasons but the most common are for failing to attend or take part in mandatory interviews, indeed 95% are given for this reason.

What we do know from past experience is that sanctions are given for wrongful reasons.

These reasons vary but are often and not excluding others claimant not receiving notification of having to attend a meeting,  being ill and notifying the DWP that they were not able to attend or already working at the time given and their employer won’t allow them to leave for their DWP appointment.

We know that sanctions can and should be appealed however many aren’t aware that they can do so and have the energy to fight it.

Sanctions are particularly cruel because not only does the claimant get sanctioned it also affects any dependants that live with them.

Combine this with the cruel benefit caps and this with the three child limit which directly impacts a child’s health and well being.

Are incentives being given for Job Coaches to refer people for sanctions?

I can’t say for sure but we do know that they’ve been using these methods for years now and it’d be very out of character to stop doing this.

I do know that sanctioning people like this is cruel, inhumane and needs to be stopped now before more people fall victim to the DWPs cruel regime of punishment and blame.

Cruel Severe Disability Group Assessment System Exposed

At last the DWP (Department of Work and Pensions) has revealed the details of their appalling new system that assess claimants that are in the severe disability group.

As we know every person’s circumstances are different depending upon their diagnosis and entry to this group may be based on and is not exclusively

Having medically precise definitions that are not connected with the benefits system :

Having information that only a claimant or carer will know however a specialist will still have to provide details:

Having availability of specialist services and access to said services  where the claimant lives

And unbelievably no clear criteria given  at all.

    There is also great concern that their distinct lack of clarity on the overlap between the Severe Disability Group and the light-touch review system for PIP will cause claimants to be wrongly assessed and treated.

    We can only imagine how disastrous this will be for severely disabled people which gives me great concern for their well-being.

    God help us they certainly have no regard for the lives and well-being of extremely vulnerable people.

    Many claimants and disability charities are sharing their concerns that the creation of their planned separate group of severely disabled claimants will be directed purely at reducing future payments for those that they allege are not as severely disabled.

    And there lies the real reason for the creation of this new group. It’s all about the money and how to take away as much as they can take away from vulnerable people to line their own greedy pockets.

    It’s vile and inhumane.

    Photo by Pixabay on Pexels.com

    No Blog This Week

    Hi folks sadly they won’t be a blog this week I’ve had a really stressful busy week

    I don’t like doing this but I do need a clear head because I don’t want to write a rubbish blog post.

    I’m struggling to pay my home internet bill which is essential for blogging, researching and helping people which I’ve been busy with this week.

    Thanks to all of my supporters every share helps to raise huge public awareness of how life is for so many of us. Believe it or not some people aren’t aware of how people are suffering under this Tory government.

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

    Thank you so much

    Charlotte x

    Seasons Greetings To All…. Except The Tories.

    I hope you all enjoy the festive period even though I know it’s tough for so many of us.

    Here over at The Poor Side Of Life HQ it’s going to be a quiet one, to be honest I’m not really celebrating it.

    Of course I’ll make sure that my daughter enjoys Christmas but as a single parent and having no family etc to celebrate with it’ll be quiet.

    I’m going to take the time to reflect and maybe get some rest, it’ll be a welcome change.

    Don’t feel pressured into celebrating Christmas if you don’t want to. Christmas is a tough time for so many of us, remembering times past and people long gone.

    I’m here if you’re on your own and want to chat.

    A huge thanks to everyone that reads and shares my blog posts it really does mean the world to me.

    And as for the Tories they can get to feck. I have zero time for them.

    Lots of love

    Charlotte xx

    DWP Work Coach Shortage Unable To Cope With Increasing Unemployment. Safestyle Goes Into Administration.



    The PCS union that represents DWP workers have recently warned that there’s a “staffing chaos” at the DWP, with work coach roles being particularly affected. Meanwhile the government apparently seeks to hire thousands of new staff despite having just made hundreds of workers redundant.

    As a result of this unmitigated staffing chaos, additional “support measures” are supposedly being put in place in Jobcentres to manage the workload of work coaches.


    The support measures include reducing the frequency of work coach contact with some claimants from fortnightly to monthly and shortening some meetings from 50 minutes to 30 minutes.

    This will be welcomed by claimants that might have to travel quite a distance to their nearest Jobcentre.

    However here’s the kickback which effectively wipes out any supposed help offered. The Chancellor has announced an end to civil service expansion, with an immediate cap on the civil service headcount, with a view to reducing it to pre-pandemic levels.

    Go figure, it’s a disaster something that the government is very familiar with. They’ve proven time and time again that they’re incapable of managing anything with efficiently.

    With the DWP failing to manage its current workload with no let up in the foreseeable future, the very idea that tens of thousands of additional claimants can be removed from the LCWRA group and given effective support to help them into work is rubbish, a bare faced lie that they will be reminded of in the future.

    Basically it’s very clear to see  that the sole purpose of making the WCA much harsher is to save money and not to help claimants.

    Think about it, they don’t care about claimants especially disabled ones that are already in an extremely vulnerable position.

    Let’s take for example, approximately 680 staff have recently been made redundant by the window and door manufacturer and seller Safestyle.

    The business has gone into administration with no warning to its employees and the GMB union  expects up to 600 job losses.


    However on Monday, administrators Interpath Advisory said the number of redundancies was about 680.

    Sadly only 70 of the roughly 750 staff have been retained.


    Appallingly saff were unexpectedly texted to “down tools” on Friday evening and received news of the appointment of administrators on Monday in the car park of the company’s headquarters in Bradford, GMB said.

    They’ve been made redundant with immediate effect and told they won’t get another penny from the company.”

    GMB organiser Bob McNeill added: “Bosses didn’t even have the decency to let them into the building out of the pouring rain”

    This will result in at least another 680 people being made unemployed due to no fault of their own. As pointed out above they aren’t going to receive any more payment from the company.

    This is another 680 people that will put increased pressure on an already failing system that can’t cope with the demand.

    It’s clear to see that despite the government’s denial, the UK is going through a recession which combined with the cost of living and energy cost crisis is very concerning for everyone that owns a business, big or small.

    Every day more companies and small local businesses are forced to shut their doors which will also put even more pressure on the DWP system.

    It’s a disaster, heartbreaking for everyone affected but the government is doing what they do best, causing chaos and even more suffering for the poorest and most vulnerable.

    They need to go as soon as possible. I fear that they aim to cause as much chaos and confusion as they can before being forced to leave number 10.

    The damage they’ve done to this country is irreparable, it’s hard to come back from this if not impossible.

    https://gofund.me/abea8764

    Proposed Stricter Work Capability Plans Set To Cause Distress And Harm To Disabled People

    Rather unsurprisingly the government has recently announced their proposed plans to reform work capability assessments. Using the guise of their new so called “mission to “support people into work”.

    Why will these changes cause distress and harm?

    Putting even more pressure upon already vulnerable disabled people causes an anxiety like no other. Imagine having the fear that you could be sanctioned for being physically or mentally unable to comply to job search requirements constantly hanging over you.

    It’s already hard enough trying to cope with day to day life when disabled and putting more pressure upon them will, I fear push many into illness or worse.

    Disability charities and campaigners have been calling for reforms to work capability assessments for a long time now. These assessments cause huge distress for disabled people as a whole and those with mental health conditions.

    The DWP (Department of Work and Pensions) announced earlier this year that they planned to scrap said health assessments by 2028. Instead they’ve pushed forward these changes with gusto.

    According to prime minister Rishi Sunak said: “Work transforms lives – providing not just greater financial security, but also providing purpose that has the power to benefit individuals, their families and their communities.

    He went on to say “That’s why we’re doing everything we can to help more people thrive in work – by reflecting the complexity of people’s health needs, helping them take advantage of modern working environments, and connecting them to the best support available.

    He also forgot to mention the truth that work does not transform lives for disabled people, it’s not a cure for disabilities and these plans will make life as a whole worse because of the added pressure that will be put upon them to comply.

    Despite what Sunak claims minimum wage and zero hour employment do not give people financial security. They barely earn enough money for able bodied people to live on let alone disabled people who need more financial support to survive from day to day.

    Sunak talks about ‘modern work environments’ whatever they may be as if they’re the answer to everything but in reality it’s very different.

    I doubt he knows what these ‘modern work environments’ are after all he’s never had a real minimum wage job himself. He hasn’t got a clue.

    I suspect that once in operation the DWP will ram up the pressure for job search requirements for disabled people to a level unseen before.

    What support will the government supply for disabled people?

    From experience not much if any at all. The government and DWP like to spin proposals like these round using fancy words and language which is meaningless and nothing but word salad.

    To be honest I don’t know anyone that has a minimum wage or zero hour contract that can positively say that their work has provided them more financial security.

    Thousands of people that are forced to claim Universal Credit (UC) are dependent upon food banks and the kindness of family and friends to survive.

    The UK now has more children living in poverty than we have seen in modern times. We also have more disabled people having to go without meals or care that they desperately need.

    NHS hospitals and services are being run to the ground, we have schools at risk of collapsing because the government failed to fix the concrete problem years ago and they expect us to believe that they care about disabled people.

    Truth is as I’ve said many times before they don’t care. All the government cares about is saving money and not spending any on disabled people.

    The government also likes to throw around ‘benefit fraud’ especially when related to disabled people. It’s extremely hard to qualify for disability benefits in the first place and even more so trying to ‘fool’ the system.

    They need to concentrate on their tax dodging pals instead.

    Not all disabilities are visible and everyone with a disability should be treated with kindness and support both emotionally and financially.

    I know that this will never happen but I can dream can’t I.

    Anela Anwar, chief executive of the anti-poverty charity Z2K told the Big Issue “Disabled people are already disproportionately likely to be in poverty, and these proposals will only make this worse. The Health and Disability White Paper recognised that the work capability assessment is not fit for purpose – yet DWP is now consulting on plans to make it even stricter.

    “This will inevitably lead to seriously ill and disabled people losing vital income, and being forced to look for work they can’t do or be sanctioned. Government must think again and provide financial stability and support to seriously ill and disabled people on low incomes, not yet more cuts and threats.”

    The consultation’s proposals include reflecting “improved employer support in recent years for flexible and home working” – meaning a person with a disability is more likely to be approved as ‘fit to work’ during a work capability assessment.

    These proposed changes are due to come into force in 2025. Soon after the government will proceed with their plans to scrap the work capability assessments. People will instead be assessed for a new health element of universal credit during personal independence payment (PIP) assessments.

    Thanks to the Big Issue and DPAC and DNS for previously reporting upon this.

    If you don’t follow them I highly recommend it.

    If you like my work and would like to be updated every time I upload a new post I recommend that you subscribe to it it’s free.

    Digital Universal Credit System Breaches Law Principals And Prevents Claimants Accessing Support

     

    Digital aspects of universal credit (UC) has routinely lead to wrong payments being awarded to claimants which are often the most vulnerable claimants – and therefore breaches rule-of-law principles, new Child Poverty Action Group (CPAG) research finds.

    The three-year study found that while the digital nature of the benefit has some advantages for UC claimants, the way the digital systems have been designed can also lead to people being left without vital money they are entitled to and information they need in order to challenge DWP decisions.  

    In the worst cases claimants are forced into acute hardship because the programming and operation of this digital- by-design benefit does not align with social security legislation.

    The charity’s report catalogues numerous injustices and breaches of rule-of-law principles in the operation of digital UC systems and reveals the extent to which its workings are opaque for claimants and researchers. 

    Problems uncovered by CPAG’s research include people missing out on additional support they are entitled to because the online claims process does not identify their needs. Families are going without their entitlements for all children because verification paperwork is pending for one child.

    Care leavers are also unable to submit a digital claim in advance of their 18th birthday even though DWP guidance enables this.

    Worryingly, the research found that in the year ending February 2023, approximately one-third of the 2.9 million registrations for UC did not result in a claim being submitted at all but there appears to be no DWP information in the public domain on why the drop-out rate is so high.  

    CPAG’s research suggests that aspects of the digital claim form that make it difficult for some claimants to complete the form and establish their entitlement may explain at least some of these abandoned claims.

    Digital claim form does not ask all the right questions

    Some claimants are entitled by legislation to extra amounts of UC or exemptions from the standard rules of UC.

    This can be because of their particular circumstances (for example if they have a health condition, are escaping domestic violence, are carers or care leavers). 

    However the digital claim form doesn’t always ask claimants if they meet any of the conditions for these extra amounts or exemptions. As a result of this claimants – who are not experts on the complex UC rules – don’t always get a fair chance to establish their entitlement.

    In the worst cases, vulnerable people go without extra money or exemptions they should have.

    For example, while UC claimants under the age of 35 renting in the private sector will receive the shared accommodation rate of the Local Housing Allowance (LHA), there are exceptions to this for claimants with certain rates of disability benefits, and claimants who have lived in homeless accommodation for three months or more while receiving specific support. These claimants are entitled to the higher one-bedroom rate of LHA.

    However, the online claims process doesn’t ask claimants if they meet any of these conditions. Instead, the DWP expects claimants to understand the complexities of the housing cost element regulations and self-identify as having the specific circumstances and characteristics that exempt them from the shared accommodation rate.

    This breaches the rule-of-law principle of procedural fairness and is a failure of the duty to make reasonable enquiries.

    By failing to ask all the relevant questions, the UC system systematically discriminates against groups entitled to additional support – the very same groups who by definition are often the most vulnerable and at risk of discrimination because of their extra needs.

    Nor does the digital claim form ask claimants what date they want to claim from even though backdating by up to one month for example if a claimant ‘couldn’t reasonably be expected to make the claim earlier’ for reasons including and not excluding having a disability, or a system failure.

    Claimants can request a revision of their claim so that it has an earlier start date, but the DWP does not establish in each case when a claimant wishes their claim to start from. This then places the onus on claimants to self-identify that a backdate is possible.

    This leaves some claimants who are eligible for backdating – mostly people with health conditions or disabilities – without money they are entitled to.

    CPAG wants claim forms amended to ask all claimants if they require backdating or want to claim from an earlier date.



    All children in a family deprived of support if one child can’t be verified

    The UC digital system is unable to accept the verification of individual children independently of other children in a household. This results in families missing out on their legal entitlement to the child element of UC for all of their children. This happens if there is a problem with providing evidence to verify just one child in a family.

    The computer system clashes with social security regulations which entitle the children to support.

    Early Warning System case – November 2022

    A woman has three children, aged 10, 14 and 19. The woman has cancer and claimed UC in April, declaring her children via a change of circumstances in June. She couldn’t provide evidence of her eldest child’s education because he hadn’t been accepted into college yet and it wasn’t possible to provide evidence until the new school year.

    The verification for all of the children failed because of the lack of evidence for one of her children. Since June, her UC award has only included the single person allowance, limited capability for work-related activity and housing costs restricted to a single person according to the local housing allowance (LHA) rules. There is no child element for any of the children and no additional bedrooms allowed for them in the LHA size criteria



    Early Warning System case August 2022

    This claimant has four children, for one of whom she receives Disability Living Allowance. The claimant had recorded this child as being on low-rate care, when she was in fact on mid-rate care. This is irrelevant for her UC…

    DWP asked her to correct it but she missed the message because English is not her first language. As a result, she wasn’t paid the child element (or disabled child addition) for any of the children (all born pre-Apr 2017) for three consecutive assessment periods.

    She also had no work allowance applied and her housing element was reduced as she was deemed to be under occupying with no children in the household.

    She missed out on around £1,500 per month, was in extreme hardship and got into massive debt. [The case, from CPAG’s Early Warning System August 2022, was eventually resolved by a welfare rights adviser

    Digital system can’t accept advance claims despite regulations permitting them

    DWP guidance enables advance claims of up to one month for prisoners who are about to be released from custody and care leavers in advance of their 18th birthday.

    These claimants can’t receive benefits while they are the responsibility of the local authority or are in prison but the legislation enables them to make a claim while support structures are in place.

    In practice however, the digital UC system does not accept advance claims. One adviser told the CPAG research team:

    Will (adviser) – October 2021

    The law allows care leavers to make an advanced claim… It doesn’t mean you’ll get your money earlier… But what it does allow, which is very important for that group of people, is… about four weeks before they turn 18 … the social worker can go out, get their ID together, and explain what the process is. You press submit, sit back. They turn 18….. And in five weeks’ time the money comes.

    That’s the way it should work… [But in reality the DWP] say you can do something called advanced preparation of a claim, but you can’t do an advanced claim… If you press submit it all b…..s up. What we find with our young people is, they quite often don’t want to, on the morning of their 18th birthday, go through a claim… it can be two or three weeks, sometimes longer, before they’ll come back to engage with the social worker…’

    Claimants lose access to information they need:

    When a decision on a UC award is revised or superseded (changed) with effect from an earlier date, it can generate an overpayment (if the amount of the award after the change is less than was previously awarded). This can also cause underpayments (if the amount of the award after the change is more than was previously awarded).

    When the award is changed from an earlier date, claimants can no longer see the original decision because their payment statement in their online account is automatically updated to display only the new decision.

    Without being able to compare the original with the new payment decision, claimants have insufficient information to identify whether any overpayments or underpayments have been calculated correctly.

    Similarly, claimants who previously received UC and then make a new claim lose all access to their previous online journal because it is overwritten by a new one.

    This is a problem for claimants who want to challenge a termination of their award and for those looking to resolve outstanding issues on the original award.

    Claimants in this position can only access their previous online journal information by querying the information available via the UC helpline, applying for a subject access request or waiting for the information to be reproduced in the paperwork prepared for a challenge of the decision at Tribunal.

    Design of the UC system is opaque:

    CPAG sees the same mistakes in UC decision making and administration time and again but the lack of transparency on its design makes it difficult or impossible to interrogate whether errors are automated or clerical, and if clerical, the reasons why those aspects of the system have not been automated.

    To make UC more transparent at an operational level, the DWP must:

    Make information on the system’s design available.


    Explain how officials interact with the digital systems and
    publish its guidance for officials, and information on how it is applied.


    At a system-wide level, the DWP must make the source code for UC publicly available, as is required by the Government Digital Service’s service standards.

    The Department has committed to publishing the code for personal independence payment and pension credit but not UC.



    Child Poverty Action Group’s head of policy and research Sophie Howes said:

    “At its best, digitised universal credit makes it easier to claim. But at worst, it rides roughshod over rule-of-law principles and leaves claimants without enough money to live on. Try telling a mother of three that the computer says No to support for all of her children just because there’s a bureaucratic delay in the paperwork for one child. The DWP must take the wraps off UC so that its workings are transparent. There are low-cost changes the department can make to ensure digitalisation improves UC so that it’s fair, in line with regulations and capable of getting correct payments to all claimants. Almost half of children will be in households claiming UC when it’s fully rolled out, so getting it right is imperative.”

    This is all pretty damning and shows what we have known for years. The Universal Credit system isn’t fit for purpose and certainly doesn’t run on a system of help and compassion.

    This causes many claimants to drop their claims for UC because of its complexity which causes distress.

    Thanks to Child Poverty Action Group for undertaking this research and publishing this report. It’s hard hitting but vital reading

    DWP Job Coaches With No Academic Qualifications To Potentially Make Life Changing Decisions For Disabled People


    It’s been revealed in the publication of a government white paper and a subsequent report by John Pring from Disability News Forum that job coaches with no academic qualifications could be tasked with making life changing decisions as to whether a disabled person must carry out work related activities as part of their DWP commitments.

    This is dependent upon whether the government goes ahead with its plans to scrap the “fitness for work” test.

    The Department for Work and Pensions (DWP) has told Disability News Service (DNS) that there are no minimum academic qualifications required to undertake the role of a work coach in a Jobcentre.

    It has also been revealed that it will be these work coaches who will be given the task of deciding if disabled claimants in receipt of universal credit are able to carry out tasks such as attending training courses or work-related interviews.

    Read the full report here. https://www.disabilitynewsservice.com/work-coaches-with-no-gcses-could-decide-on-fit-for-work-activity-dwp-admits/

    Many thanks to John Pring for his continued hard work in revealing the latest news from the DWP and their scurrilous plans to hurt disabled people even more.

    I’ve got no doubt that the government will try and push their plans through because as we already know they care little, if at all about the welfare of disabled and poor people.

    They’ll continue to persecute disabled people until they’re out of government making sure that they can create as much damage as possible until they’re forced to leave.

    Secret Sanction Report Proves Sanctions Don’t Work


    After many months of waiting and pressure from organisations and campaigners the DWP finally relented and published the secret sanction report that I’ve reported on previously.

    This report concerned itself into the effectiveness of DWP (Department of Work and Pension) sanctions, afterall it’s a cruel tool used by them for a long time.

    However in true DWP style they released it hours before the UK was closed to business for the Easter bank holiday.


    The report shows that sanctioned claimants do take longer to move into paid employment and when they do so they’re most likely going to accept lower paid jobs than claimants that haven’t been sanctioned.

    It also reveals that there’s no evidence that sanctions are effective in any way at all.


    According to the report claimants that have been sanctioned also have 8% shorter UC claims than claimants who were not sanctioned.


    The report proves that the majority of claimants with shortened claims disappear, they do not move into paid employment which is very worrying.



    Claimants who are sanctioned and who eventually move into PAYE work then take longer to do so than those were not sanctioned and earn an average of £34 a month less than those not sanctioned.

    The DWP rather unexpectedly argue in a ‘context note’ within the report that the research cannot be relied upon because it did not take into account the value of the ‘deterrent effect’ of the sanctions regime.



    The DWPs ongoing theory is that claimants are more likely to meet their obligations because they fear being sanctioned thus sanctions are an effective tool.


    In the three years since the draft report was created the DWP have chosen not to commission any independent research to test the truth of their deterrent effect theory.

    Instead they intend to introduce a much harsher sanctions regime, when the only hard evidence they have about sanctions proves that they don’t work.

    DWP Sanctions can and should be appealed however this takes a great deal of strength and determination of which not many have due to being completely worn down by the system.

    So there we have it, the DWP once again ignoring important information that have a direct negative effect upon sanctioned claimants and their well-being.

    The amount of people that decide to take themselves off the system when sanctioned is very concerning.

    Don’t expect the DWP to care though, this is exactly what they want to happen and a claimants well-being isn’t even thought about let alone be a concern.

    How many more deaths will there be as a result of being sanctioned before the cruel sanctioning system is forced to stop.

    I predict thousands because not one political party is willing to campaign against this and apart from a few good MPs such as Debbie Abrahams they’re silent

    Sanctions do kill and this report needs to be acted upon ASAP. One death is a death too many.

    No one should be forced to suffer in this manner it’s inhumane and cruel.

    Photo by Pavel Danilyuk on Pexels.com

    Photo by Robert Bogdan on Pexels.com

    Please read, share and tweet my blog posts. This helps enormously in raising awareness and I can’t thank everyone that does enough.

    I really couldn’t do this without you though. To say I’m struggling at the moment is an understatement.

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    This week I’ve heard some truly awful stories of people suffering and I’ve done everything I can to help those that need it.

    Thank you.

    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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