Tag: destitution

More On State Pension And Pension Credit.

Excellent blog from long time reader and supporter of my blog. You can find his blog over at thephisophicalmusehttp://thephisophicalmuse Thanks Mike!


I was started receiving Pension Credit at age 60 after having been on JSA for 18 months (sanctioned for the last 2 months). When I applied I was asked how I had learned about Pension Credit and I replied that DWP had told me 6 months previously that I would have a choice of staying on JSA or switching to Pension Credit – I would have been foolish to continue looking for work and receive half as much money even if I hadn’t been sanctioned!

I still receive some Pension Credit to top up my State Pension, but Independent Age https://www.independentage.org/ is campaigning to ensure more people are advised of their entitlement

I used to work for the Department of Social Security in Australia. If someone over 55 had been unemployed for 6 months they’ld receive Mature Age Allowance, which basically acknowledged that they were unlikely to find a job so were not expected to continue looking for one to continue receiving the same benefits.

Seems similar to what I found in U.K., except that I had to wait 5 years longer to qualify but got twice as much as on JSA.

As part of my last job I was required to attend a training session on pensions and was told that one needed to be paying National Insurance for most of our lives to qualify for state pension. I piped up and said, “Where does that leave me, I’ve been out of the country for 27 years?”

I got some attention as I was quite evidently closer to retirement age than anyone in the room, but I didn’t get an answer!

No chance of me building up a pension fund, I had to wait until after I retired to find that I would be entitled to State Pension because of a reciprocal agreement with the Australian government – not the full amount, but Pension Credit makes up the difference.

WASPI women should be complaining that their pension age was to be increased to 65, not that they didn’t have sufficient notification of the increase.

What does it matter if they tell you they’re gonna raise your pension age in 10 years time, unless you’re within 10 years of pension age?

We need to stop of thinking of ourselves and ask why anyone should be required to work beyond 60 years of age unless they choose to!

Those of us already retired can ask these questions because we’ve got nothing to lose, do we?

The triple lock on our pensions cannot be assured under a Tory government. Everyone should join a union, I joined Unite Community after I retired ✊

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.

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.

I Struggle To Feed And Keep My Kids Warm. Real Life Stories From The Public.

As the never ending cold winter and the ever increasing cost of living and energy costs continues once again I took to the streets and interviewed several people in my local town Ashton Under Lyne.

Ashton Under Lyne is a typical northern working class town, drained of money by the government and the majority of people living in differing stages of poverty.

Mortality rates are amongst the highest in the UK and there’s a higher rate of people either being unwell or living with some type of disability.

Like any other northern working class town it doesn’t have a lot for people to aspire to despite the positive changes that Tameside Council are implementing and trying to introduce.

Years of government forced austerity policies has been and continues to cause a lack of funding for essential services with most things already stripped to the bare minimum.

As I headed off into the cold I spoke to a young woman that had two young children with her. I introduced myself and asked her how she is coping with the cost of living and the ever increasing energy crisis.

As I asked her this I could see that she was upset, telling me that she thinks that she’s failing her children because she can’t give them the things that she used to be able to do.

“We’re living in a cold house trying to keep turning the central heating on at a bare minimum. I usually turn the heating on for an hour in the morning and again in the evening at bedtime, that’s if I’ve got credit because I’m on a prepaid meter”

She went on to say that her health is suffering most likely because she’s cold and because she often doesn’t eat meals, if she does it’s a bare minimum. “I can’t afford to eat as well as my children and they always come first”

I asked her how she keeps warm when the heating isn’t turned on. “I wear layers of clothing and I have a thick blanket that we all snuggle under. I’ve got a little fan heater that I use just to keep the chill off because I don’t want the children to become ill and even that’s a struggle. Once I run out of credit on my meter that’s it it’s gone and I can’t afford for that to happen”

She told me that she often takes the children to the library that has a warm area and her children can have a look at some books and she can have a free cuppa.

However she continued to say that sometimes she found this very difficult because she doesn’t always want to be around other people..

I asked her if she had visited a food bank recently and she said yes she has and is now dependent upon them even though it’s still a struggle saying that they’ve been a lifeline for her and her children.

But despite getting help from food banks they don’t cover all of her food and every day living costs so she has to try and fill the gaps in.

“I’m always topping up my energy meters, I’ve never had this problem before. It’s bad, really bad I just wish that it wasn’t like this”

I signposted her to several organisations that might be able to help her but this is only a sticking plaster.

Whilst the government sits back and causes the suffering of those most vulnerable her experience is going to be repeated time and time again

Their inhumane policies will undoubtedly cause malnutrition and hypothermia related illnesses and worse.

Undoubtedly there will be recorded deaths of those suffering like this but how many will actually be reported as so.

Every death related to this needs to be reported and spoken about in parliament. The government is knowingly causing the suffering of thousands if not millions and they need to be reminded of this every single day.

This shouldn’t be happening at all.

I will continue to share the experiences of those that I interview in future blogs, hopefully weekly.

If you would like me to use your story get in touch I’m happy to do so.

Let’s be clear no one should be forced to live like this.

Photo by Pixabay on Pexels.com

Please read, share, tweet and email this blog, it’s vitally important that we get these stories out there in the public domain.

Believe it or not there are still people that aren’t aware that this is happening.

A huge thanks to everyone that does share my blogs it makes a tremendous difference.

I don’t get paid for any of the work that I do and I would like to continue to report on these stories.

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By doing so I will be able to help others more.

Thank you xx.

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.

UK Social Security Rates Amongst The Lowest

New DWP Boss Mel Stride Happy With Universal Credit Sanction Rates.


The new DWP minister Mel Stride recently announced that he is happy with the levels of UC (Universal Credit) sanction rates.

Upon taking his new job as secretary of state for work and pensions (DWP), Mel Stride, quickly proved that he will not be making any changes in any harshness inflicted upon the most vulnerable at the hands of the DWP.



Upon answering MP’s questions on the 31 October 2022, Stride made it very clear that he’s happy hat the level of UC sanctions is now double the rate it was before the pandemic.


Stride went on to say “People are sanctioned only if they fail to attend appointments without good reason, and fail to meet the requirements that they have agreed to meet.”




However stride failed to offer any acknowledgement nevermind explanation as to why claimants are now twice as likely to break claimant commitment agreements than they were two years ago.



Upon questioning Stride ignored yet another request to publish a DWP report on the effectiveness of sanctions.

As previously reported in an earlier blog his predecessor also refused to do so.



Stride also claimed there “is a long tail” of 2.5 million long-term sick claimants who want to return to work and that it will be “a prime focus” for the DWP to “support them back into the workplace.”



It’s no coincidence that this figure is exceedingly similar to the total number of claimants that are long-term sick, the majority of whom are not able to work because their condition makes it impossible.



It appears that like his predecessors Stride is either mistaken or believes that every long-term sick person could be moved into work.



Whatever happens there appears to be no plans to treat claimants better, I suspect it will become worse.

A new DWP minister certainly doesn’t bring any changes for the better and until there’s a change of government I very much doubt that there will be.

Photo by cottonbro on Pexels.com

A huge thank you to everyone that reads, shares and supports my blog.

I receive no payment for any of the work that I do and every read, share makes a big difference

If you are able to and would like to donate to keep my blog and campaign going there’s a donate button at the top and side of this blog.

Thank you.

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

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