Ipswich Unemployed Action.

Campaigning for Unemployed Rights.

Extreme Debt Rise and Universal Credit Delays,

with 75 comments

Image result for debt

I have just been talking about debt to some friends.

One, unemployed, is a very bad situation because his debts.

Apparently this is becoming a widespread problem.

I say “becoming” but since the opening of credit lines to nearly everybody, not to mention the legalisation of loan sharks (watch half the digital channels with all the loan ads..), not to mention the fact that everything seems to designed you to debt (Council Tax, and think of all the student loans), it’s been swelling and growing no end.

Or Brighthouse (they have  big shop in Carr Street Ipswich) the “Rent-to-own retail chain” for houshold goods.

Or, well everybody knows they pay day lenders, the pawn shops, and the rest of the crew.

So this story comes as no surprise.

1.2 million low-income households are in ‘extreme problem debt’, says TUC.

James Richards on Public Finance reported a few days ago:

The number of UK families living in extreme debt has risen to more than one million due to stagnant wage growth, including in the public sector, research published by the Trades Union Congress and Unison has found.

According to the report, total unsecured debt between 2012 and 2015 – from credit cards, bank loans, payday loans and student loans – rose by £48bn and now stands at £353bn.

Around 3.2 million, or one in eight, households are living in ‘problem debt’. This is defined as paying out more than 25% of gross household income on unsecured debt repayment.

Meanwhile, 1.6 million households, one in sixteen, are in ‘extreme problem debt’ – those paying out more than 40% of income on unsecured debt repayments. The report estimates that 1.2 million households in this bracket have an income of less than £30,000 per year, which is below the low-income threshold.

For low-income households in employment, extreme problem debt is growing fast. In 2015, 9% this group were in extreme problem debt, which is nearly double the figure of 5% from 2015.

The report cites recent Bank of England figures that show consumer credit, which is the main constituent of unsecured debt, is now growing at an annual rate of more than 10% – the highest rate in a decade.

TUC general secretary Frances O’Grady stressed that households could not continue to rely on credit cards and loans survive. But because wages per week were worth £40 less than before the 2008 crash, many families had little choice, she said.

This story also appeared a couple of days ago,

Delays in government’s flagship welfare reform has caused debt, rent arrears and health problems, says Labour MP Frank Field

Huge built-in delays in the processing of universal credit benefit claims have turned the government’s flagship welfare reform into a “recruiting sergeant for food banks”, according to Labour MP Frank Field.

Field, the chair of the Commons work and pensions select committee, said the minimum six-week payment period faced by new UC claimants led to reliance on emergency food parcels, triggered debt and rent arrears, and caused health problems.

Field has written to the work and pensions secretary, Damian Green, asking him to cut the lengthy and stressful wait for payments faced by penniless claimants.

“This is an unbelievably long time for people at the bottom to survive with no money, and I have received evidence to suggest people have been exposed to hunger and homelessness during this 42-day period,” he wrote.

The lengthy wait for UC payments was reported as the main cause of referral for one in nine of the 79 cases presenting at a food bank in his local Birkenhead, Merseyside, constituency in recent weeks, the veteran poverty campaigner said.

The Department for Work and Pensions responded that it was misleading of Field to draw wider conclusions “from the anecdotal evidence of just eight people”. It said: “The reasons people use food banks are complex.”

However, Chris Mould, the chair of the Trussell trust food bank network, said the charity’s local managers were reporting UC payment delays as a big cause of hardship for claimants: “For someone with no income the lengthy 42-day wait will leave them struggling to afford to eat and, for those without friends, family or other support networks to help, it can leave them desperate.

“We wholeheartedly support the recommendation that this waiting time be reduced.”

I leave out the DWP reply, following company policy of stout denial.

Debt, crippling debt, that’s the kind of world we’re having to live in.

 

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Written by Andrew Coates

August 27, 2016 at 3:18 pm

75 Responses

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  1. Andrew

    I have a rhetorical question for everyone to think on:

    a] Is such levels of debt in society sustainable?
    b] When would such a house of sand made cards, collapse?
    c] what would cause such a collapse?
    d] is there anything in place to mitigate such a collapse?
    e] with the imposition of UC just another hole in the wall, how long can this buildup continue?
    f] hovering above all of this is the spectre of trouble via BritExit/China Shadow Banks & debts/UK Finances – International Finance shocks

    My Take:

    When (not if) there is another finance shock, things will get tight right quick.
    Considering the kerfuffle on NHS finances – thats been building for 2 years which just goes to show how quick things can go wrong.

    This is the perfect storm of trouble on the horizon.
    I cannot pull out a crystal ball and predict which thing is going to blow up on the finicial side – all I know is it will.

    Gazza

    August 27, 2016 at 5:05 pm

    • My mum used to talk about a Bernard Shaw quote about a place where people made money by taking each other’s washing in and flogging stuff to visitors.

      ” George Bernard Shaw wrote that ‘The inhabitants either live in villas on independent incomes or else by taking in one another’s washing and selling confectionery, scrap books > and photographs’”

      She used to say this would be our fate.

      What with being a landlord living off other people’s rent, or making money out of debt and tourism, being the most profitable businesses today she was obviously a bit of a seer.

      Andrew Coates

      August 28, 2016 at 9:46 am

      • I have seen many more people selling things in front of their houses & flats in this area, It’s the small things at the moment…………………

        enigma

        August 28, 2016 at 12:57 pm

      • With the likes of the HMRC and DWP watching the likes of ebay and amazon, i cant say im surprised enigma.

        doug

        August 28, 2016 at 1:15 pm

    • If we say think about debt not so much as the here and now and look at it over an entire persons life. Then we include birth rates and deaths, it could in theory go a long long time but with regards say 2008, we must also remember what happens when certain people become greedier than others.
      That said though with regards 2008, we must also acknowledge printing money out of thin air or as people know it, a stimulus.

      The questions you ask im afraid cant be summed up as even economists cant predict the total collapse of capitalism where their is no bounce back. If we however consider co-op business models as a way forward, we could start to at least begin to take redistribution with what is already out their more seriously but while we have greedy uncontrollable capitalists at the helm i fear this may never rise to the ranks i would like to see it do so. Its not an answer but it seriously would buy time until we face facts and move in a completely new direction like say for instance considering we only need need and not want products.

      We don’t need fifty thousand different types of cars, we just need one that encapsulates the best parts of all of them but capitalists of course wont allow it as it threatens their way of life and the perpetual cycle of doom us at the bottom constantly live in.

      doug

      August 28, 2016 at 1:34 pm

  2. And the bad news for poor people just keeps on coming…

    h/t : Refuted

    https://www.theguardian.com/society/2016/aug/26/lower-benefit-cap-to-hit-quarter-of-a-million-poor-children

    Lower benefit cap to hit a quarter of a million poor children
    Changes coming in this autumn will take an average of £60 a week from households affected, government analysis shows

    ME: And no doubt these figures take absolutely no account of the changes via UC etc…

    Gazza

    August 27, 2016 at 5:13 pm

    • Thank George Osborne for this one and for pretty much everything else. Even Universal Credit was originally much more generous and supposed to be more carrot than stick before Osborne insisted that huge cuts be made in its budget in respect to monies that claimants would receive. The evil swine also froze working-age benefits for four years, including housing benefit, and if you’re unlucky enough to live in private rented accommodation in the private sector, with rents rising on average by 2.5% per annum, by 2020 you might well see hundreds of thousands of perfectly innocent tenants subsidising their rents from benefits supposed to buy essentials with in a manner that will make the infamous Bedroom Tax look like a pleasant constitutional walk in the park.

      I wonder if Theresa May will act to prevent the looming tsunami of homelessness from destroying many.

      Swilly

      August 27, 2016 at 5:27 pm

  3. Violet

    August 27, 2016 at 6:22 pm

  4. Violet

    August 27, 2016 at 6:32 pm

  5. Violet

    August 27, 2016 at 6:37 pm

  6. There’s a brighthouse here too, I’ve hardly ever seen a customer in it, the sooner it goes the better.

    enigma

    August 27, 2016 at 7:12 pm

    • There is also a brighthouse in Derbyshire where I’m from, never seen anyone in the dump,I don’t think people go in, don’t blame them it’s a s*ithole! 😉

      Marie

      August 27, 2016 at 7:22 pm

      • It’s a trap, like many other things.

        enigma

        August 27, 2016 at 7:29 pm

    • There have been articles and documentaries about Brighthouse.

      People get trapped in paying for household essentials (fridges etc), at high rates of interest, for years and years.

      It is yet another scandal.

      Andrew Coates

      August 28, 2016 at 9:39 am

    • The poor and not so poor now live in a Wonga world, ladies and gentleman. No so much jam yesterday and jam tomorrow but never jam today as no jam yesterday, today or ever. Both Labour under Blair and Brown and the horror of the Tories under Cameron are to blame for this. Mostly Cameron under it has to be said.

      Stephen

      August 28, 2016 at 10:52 am

    • There used to be another one, General George or something it was called. If you missed a payment they sent a gang of heavies round to break your legs – literally!

      The Cripple Family

      August 28, 2016 at 12:42 pm

      • 😦

        The Crutch Collective

        August 28, 2016 at 12:44 pm

  7. .

    IBN WARRAQ

    August 27, 2016 at 7:31 pm

  8. If you are receiving Universal Credit and come off it for six months or more and then need to claim it again you have to face the six week (or more) delay before you get the help owed to you. So many people with fluctuating work patterns will have to face this monstrously long period without income many times throughout their working lives which is awful. Let’s face it no employer could keep you waiting for six to eight weeks before paying you wages and so why should the government get away with behaving like this?

    Tim

    August 28, 2016 at 12:07 pm

  9. Benefit sanctions: Britain’s secret penal system

    By Dr David Webster, University of Glasgow

    Few people know that the number of financial penalties (‘sanctions’) imposed on benefit claimants by the Department of Work and Pensions now exceeds the number of fines imposed by the courts. In Great Britain in 2013, there were 1,046,398 sanctions on Jobseeker’s Allowance claimants, 32,128 on Employment and Support Allowance claimants, and approximately 44,000 on lone parent recipients of Income Support. By contrast, Magistrates’ and Sheriff courts imposed a total of only 849,000 fines.

    Sanctioned benefit claimants are treated much worse than those fined in the courts. The scale of penalties is more severe (£286.80 – £11,185.20 compared to £200 – £10,000). Most sanctions are applied to poor people and involve total loss of benefit income. Although there is a system of discretionary ‘hardship payments’, claimants are often reduced to hunger and destitution by the ban on application for the first two weeks and by lack of information about the payments and the complexity of the application process. The hardship payment system itself is designed to clean people out of resources; all savings or other sources of assistance must be used up before help is given.

    Decisions on guilt are made in secret by officials who have no independent responsibility to act lawfully; since the Social Security Act 1998 they have been mere agents of the Secretary of State. These officials are currently subject to constant management pressure to maximise penalties, and as in any secret system there is a lot of error, misconduct, dishonesty and abuse. The claimant is not present when the decision on guilt is made and is not legally represented. While offenders processed in the court system cannot be punished before a hearing, and if fined are given time to pay, the claimant’s punishment is applied immediately. Unlike a magistrate or sheriff, the official deciding the case does not vary the penalty in the light of its likely impact on them or their family. If the claimant gets a hearing (and even before the new system of ‘Mandatory Reconsideration’ only 3 per cent of sanctioned claimants were doing so), then it is months later, when the damage has been done. ‘Mandatory reconsideration’, introduced in October 2013, denies access to an independent Tribunal until the claimant has been rung up at home twice and forced to discuss their case with a DWP official in the absence of any adviser – a system which is open to abuse and has caused a collapse in cases going to Tribunal.

    Yet the ‘transgressions’ (DWP’s own word) which are punished by this system are almost exclusively very minor matters, such as missing a single interview with a Jobcentre or Work Programme contractor, or not making quite as many token job applications as the Jobcentre adviser demands.

    How did we get to this situation? Until the later 1980s, the social security system saw very little use of anything that could be called a sanction. Unemployment benefits were seen as part of an insurance scheme, with insurance-style conditions. Any decision on ‘disqualification’ (as it was called) from unemployment benefit was made by an independent Adjudication Service, with unrestricted right of appeal to an independent Tribunal. The maximum disqualification was 6 weeks, and those disqualified had a right to a reduced rate of Supplementary Benefit assessed on the normal rules.

    ‘Sanctions’ are almost entirely a development of the last 25 years. The British political class has come to believe that benefit claimants must be punished to make them look for work in ways the state thinks are a good idea. Yet the evidence to justify this does not exist. A handful of academic papers, mostly from overseas regimes with milder sanctions, suggest that sanctions may produce small positive effects on employment. But other research shows that their main effect is to drive people off benefits but not into work, and that where they do raise employment, they push people into low quality, unsustainable jobs. This research, and a torrent of evidence from Britain’s voluntary sector, also shows a wide range of adverse effects. Sanctions undermine physical and mental health, cause hardship for family and friends, damage relationships, create homelessness and drive people to Food Banks and payday lenders, and to crime. They also often make it harder to look for work. Taking these negatives into account, they cannot be justified.

    Benefit sanctions are an amateurish, secret penal system which is more severe than the mainstream judicial system, but lacks its safeguards. It is time for everyone concerned for the rights of the citizen to demand their abolition.

    Benefit sanctions: Britain’s secret penal system

    COJ

    August 28, 2016 at 12:26 pm

    • Thank you for listening to me COJ, this find of yours, this post of yours is excellent. Much appreciated.

      doug

      August 28, 2016 at 1:13 pm

  10. Two-way mirrors, hidden observers: welcome to the Department for Work and Pensions laboratory

    “The Department for Work and Pensions (DWP) requires research to be undertaken, in a research laboratory environment, with recipients of the Carers Allowance and recipients of the Employment and Support Allowance (ESA).

    In a typical lab situation DWP shall have one DWP researcher in a room with the participant and other DWP researchers (if appropriate) and invited observers behind a two way mirror evaluating what is happening. As well as viewing the interview they can also see the activity on the web screen via monitors in their room.

    https://kittysjones.wordpress.com/2016/08/27/two-way-mirrors-hidden-observers-welcome-to-the-department-for-work-and-pensions-laboratory/

    enigma

    August 28, 2016 at 4:43 pm

  11. dorsetiww

    August 28, 2016 at 9:09 pm

  12. OT: Hardening of attitudes concerning EU & BritExit – TTIP is dead!

    http://www.bbc.co.uk/news/world-europe-37210138
    BritExit may send EU ‘down the drain’

    “”If we organise Brexit in the wrong way, then we’ll be in deep trouble, so now we need to make sure that we don’t allow Britain to keep the nice things, so to speak, related to Europe while taking no responsibility.”

    .
    .
    .

    “In 14 rounds of talks, the two sides had not agreed on a single common chapter out of 27 being discussed, Mr Gabriel said.
    In my opinion the negotiations with the United States have de facto failed, even though nobody is really admitting it,” said Mr Gabriel.
    ‘Don’t submit’
    He suggested Washington was angry about a deal the EU struck with Canada, because it contained elements the US does not want to see in the TTIP.”

    Gazza

    August 28, 2016 at 9:56 pm

  13. There are many “off topic” posts appearing on here that don’t get deleted, so I remain uneasy at the hysterical reaction whenever Islamic fanaticism is mentioned.

    But I would have to concur that the main subject on here is unemployment.

    Political Correctness – which is mind control and censorship – is unhealthy, though.

    Jyllands Posten

    August 29, 2016 at 12:34 pm

    • I was on the Ipswich beach yesterday.

      Andrew Coates

      August 30, 2016 at 11:10 am

  14. Good luck guys. I won’t bother visiting this blog again and expect it to be clogged with spam and sewage in the very near future unless moderated properly. Enjoy. Toodles.

    Steven

    August 29, 2016 at 12:45 pm

    • Seen them come, seen them go but ultimately the site gets no less popular.

      The funny thing is these small minds forget its just liquid crystal on a screen, nothing more, nothing less, not to mention they probably never heard of the phrase “sticks and stones will break my bones but names will never hurt me”, you know when men were men and not pubescent trolls too afraid to man up in public in front of an audience that contradicts their belief structure. You know, the type that have to roam in gangs,each lacking fortitude.

      You know while i agree all have the freedom of expression, we must remember that alas its only in a public space and not say in the space of another’s home. Sadly websites are considered ones individual space meaning the owner can do whatever they like and we all cant do a legal thing about it, not that i imagine any of the above have the copper to rub together or the legal know how to even attempt it.

      All this written not shared belief, blar, blar blar is actually incorrect as it is incorrect an owner must set down forum rules as facebook this is not and so doesn’t tweak the interest of the authorities but hey, don’t take my word for it, try and test the theory, please do.

      I can only guess but i would imagine Mr Coates will just sit their and let these people tire themselves out in vain as spamming and crashing is so old hat. This means if they want their effort to count, their have to waste more of their own time getting nowhere fast as it takes how long and how many button presses to type their pieces as opposed to one single button press known as delete.

      I suppose they could always bot but i doubt they have the skillset for that and so lends credence to the paragraph above.

      Well i don’t know about you guys but im off again to enjoy my holiday, relaxing, playing games, reading so please do feel free to enjoy your typing or repeat repeat posts.

      Have a nice day wont you as i know i am right about now.

      doug

      August 29, 2016 at 2:07 pm

  15. But if you are relying on ad-driven revenue to fund your millionaire life-style any comment is better than no comment since it drives more traffic to the site which means more kerching and the more controversial the more kerching. A Lamborghini and a young immigrant wife on your arm with a penchant for Jimmy doesn’t come cheap. What’s the betting that ‘Andrew Coates’ is enjoying the bank holiday in Barbados or some other exotic location like his counterpart and fellow panhandler ‘Johnny Void’? Have a good bank holiday doug and all 🙂

    Clickbait

    August 29, 2016 at 2:20 pm

    • *Jimmy Choo shoes

      Clickbait

      August 29, 2016 at 2:21 pm

      • Come on Clickbait, how do you think you get all the sites you frequent for free ?

        How have the public reacted to paid for sites or the proposal of and say in the case of the media now people just like us share news we physically witness, has effected the sales of newspapers for instance.
        Nothing in life is free and the internet is no different and why we are all constantly bugged for our data from habits,interests to dare i say it personal and or sensitive data.

        I have to ask clickbait, do you berate youtubers for making a living from advertising as say you do in this instance, i probably doubt you do and if you did as lets face it they are making way more revenue from advertising and as such has become a phenomenon all are trying to muscle in on, that you wouldn’t have the time to come here or even sees this as worth your time.

        Now whose to say what drives you but as an outsider be i wrong or right your appearance does air an appetite to purposely single out Mr Coates. If and only if others form that same opinion, where does that leave your posts in terms of credence or even concern. If they labelled you a troll yet your conviction was indeed one of moral principle, how would that make you feel (dont reply, just consider).

        So as much as you may be against this, its a trend im afraid that’s going to be really hard to drive an axe through now its considered a job, a business opportunity which if anything when we factor this sites about unemployment and peoples struggles to navigate the system, would only serve to entice them into doing the very same thing as everyone needs to make a living now more than ever.

        So when we consider making a living, did not B from benefits Britain pimp herself out and in doing so was she our champion or just thinking of herself ?
        What money todate did she donate to any facet of those struggling to make ends meet, how many of those in the same street did she lift to a position of self sufficiency ?

        So now i ask, whether he does or not make a (lets face it considering site hits when compared to youtubers) meager amount does it matter now we all know most advertised jobs are fakes looking to extract money,steal personal and or sensitive data to sell or inflate their recruitment books to entice potential employers cash or mere temping, insecure hours and or poor pay you cant live on without state aid.

        So a noble act it may be, who knows, but none the less will falter in a capitalistic society.

        doug

        August 30, 2016 at 10:30 am

    • Yep! It is one of these that Mr Coates drives 🙂

      Ipswich Resident

      August 30, 2016 at 7:53 am

      • Karl Marx used to drive exactly the same car. To a Marxist owning a yellow Lamborghini is seen as the ultimate two-fingered salute to Capital. And in common with all good Anarchists and Marxists the Capitalist-free Worker’s Paradise of Barbados is the holiday destination of choice for ‘Andrew Coates’ and ‘Johnny Void’.

        polka dottie

        August 30, 2016 at 2:55 pm

      • Envy of well-merited success is not a pleasant site.

        I was going to send you this, but perhaps not:

        Andrew Coates

        August 30, 2016 at 3:20 pm

  16. Reblogged this on michaelsnaith.

    snaithmagmailcom

    August 29, 2016 at 4:09 pm

  17. Theresa May urged to reshape welfare with ‘social insurance’

    “There are a growing number of leading centre-right policymakers inside and outside of government who believe the next stage of welfare reform should be to offer more contributory benefits. The public overwhelmingly believe that it is fair that those who have worked longer – who have put more into the system – deserve more support in testing times.”

    “They can be delivered at good value if there is mass participation through either soft compulsion or good behavioural economics.”

    http://www.theguardian.com/politics/2016/aug/29/theresa-may-urged-revive-social-insurance

    enigma

    August 30, 2016 at 7:01 am

    • Trouble is under the Tories more for the higher contributors means less for lower contributors. Kind of Robin Hood in reverse: Take from the poor to give to the rich.

      Mark

      August 30, 2016 at 8:02 am

    • Meanwhile

      Social housing tenants face soaring rents under ‘pay to stay’ policy

      More than 70,000 tenants face average rent rises of more than £1,000 a year under the government’s “pay to stay” policy aimed at ensuring supposedly high earners living in social housing are charged market rents.

      Councils have warned that nearly one in 10 social tenants in London and the south-east can expect rent rises, with those living in the capital facing an average monthly rent rise of £132.

      A spokesman for the department said: “It’s simply not fair that hard-working people are subsidising the lifestyles of those on higher than average incomes, including tens of thousands of households earning £50,000 or more.

      https://www.theguardian.com/society/2016/aug/29/social-housing-tenants-face-soaring-rents-under-pay-to-stay-policy

      enigma

      August 30, 2016 at 10:12 am

      • That is one of the most depressing stories going.

        It is not easy just to “move”.

        Andrew Coates

        August 30, 2016 at 11:14 am

      • It is, so yet more people being pushed further down. it just continues doesn’t it.

        enigma

        August 30, 2016 at 12:00 pm

    • If everyone was in work with good pay and unemployment was just an ancient practice up their with the pyramids i could see how it would be reasonable but then again if that was the case, they wouldn’t be having that conversation or us debating it.

      To coin a phrase, “its utopian thinking” But and this is very important, its a utopian thinking wrapper disguising the contents ingredients which is,

      1: Conceived by people whose financial situation is safe and more than you will ever earn,
      2: It takes no account of the here and now besides how these individuals want to pay less and attain more at the cost of others,
      3: They know work in time will become less stable for a variety of reasons.
      4: That if global populations don’t decrease, sustainability will effect everyone including them.
      5: Opportunities to evade redistribution are dwindling.

      doug

      August 30, 2016 at 11:01 am

      • Yes, that’s just it, everyone is not going to be work being paid the NMW, meanwhile they & employers want everyone to volunteer.

        enigma

        August 30, 2016 at 11:11 am

  18. Its interesting dont you think Enigma that the outcry by those at the bottom are being used to justify draconian changes that some how, still effect those at the bottom twice as bad ?

    Get the impression your being punished for thinking and speaking, that your successful efforts to uncover such immoral practices,behaviors and trains of thought are being rewarded with further punishment ?

    doug

    August 30, 2016 at 11:10 am

    • For sure, & punishment for all who are looking for & applying for paid employment.

      enigma

      August 30, 2016 at 11:32 am

  19. The Minister for Welfare Delivery said: “Homelessness is a complex issue, and many people find themselves on the streets at no fault of their own.

    http://neconnected.co.uk/home-group-hosts-minister-young-peoples-supported-housing-scheme/

    No ones asking government to psychoanalyze the causes, their not doctors, their politicans. People are asking for something far simpler which is accommodation and support for ALL homeless people, not just the young and vulnerable they consistently hide behind so as to not look uncaring,completely money driven and behind the so called claim of protection of UK citizens.

    “That’s why we’ve made over £1bn available to prevent and tackle homelessness, and support vulnerable households since 2010. The Minister for Welfare Delivery said.

    Well breaking that down means around 166.5 million a year at the end of 2016. If we divide this by the average rent of £100 a week this would mean it would house around 32’051 homeless people per year.

    Now according to government statistics in 2015 the statistics showed that 3,569 people slept rough on any one night across England but we know local agencies reported 8,096 people slept rough in London alone throughout 2015/16. REMEMBER THIS IS NOT COVERING IRELAND,SCOTLAND,ETC.

    http://www.crisis.org.uk/pages/homeless-def-numbers.html

    So even if we double the worst figure we could still house them per year with a surplus of fund to help an addition increase of 15’859 people.

    Hmmm, then why do we still see homeless people everyday,everywhere of all age groups and gender if councils have such a fund as government seem to be proud of boasting about ?

    What are all our councils doing with that money ?

    Well it turns out we have between 9/10’000 local councils in England meaning if we split this for the sake of discussion equally that each local council will get around £17’544 pounds per year to help towards assisting homelessness.

    http://www.lgiu.org.uk/local-government-facts-and-figures/#how-many-councils-are-there

    Now im not saying each council gets the same slice as i would imagine a place like Birmingham will get more than say Sherborne, Dorset but none the less can be clearly seen what was offered really does not cover the cost of the label as so to speak. Also while addressing this just now point, different areas contain different amounts of homelessness as well.

    If however for the sake of discussion and display we do look at it as an equal share would imply without doubt any one cancel could only help house 3.4 people in their area per year.

    Now before someone says so how did Home Group’s Tyneside Foyer achieve what they did, its through funds like the European social fund,social exclusion currently estimated to be 31.1 billion (around 28% of total welfare expenditure) and social exclusion estimated to be 59.4 billion (around 53% of total welfare expenditure), both this year alone and is taken from the total annual government welfare spend valued around 113 billion overall.

    The point im making is the 1 billion is ABSOLUTELY USELESS IN TERMS OF HELPING HOMELESS PEOPLE AND THATS INCLUDING THE 90.5 BILLION ALREADY SPENT INEFFECTUALLY BY OUR GOVERNMENT.

    ITS YET ANOTHER GOVERNMENT SMOKE SCREEN THAT THEY CARE AND THAT THEIR HERE TO LIFT SUCH PEOPLE TO A POSITION OF SELF SUFFICIENCY.

    doug

    August 30, 2016 at 1:07 pm

  20. We the government create jobs ?

    http://www.theguardian.com/politics/2016/aug/29/theresa-may-urged-revive-social-insurance

    Now even though we are already addressing the proposal that enigma kindly aired i want to draw your attention to government job creation and the recent Hinkley Point C debacle as an example.

    Now like HS2 our government claim such contracts will create work, WELL, WORK FOR WHO EXACTLY ?

    So can any of you out their put me in contact with an engineer licensed to work around NUCLEAR POWER that’s unemployed, claiming and long term unemployed (so not out of university or in the job less than 5 with work experience not included or retired or gave up trade) ?

    I tell you what, how about a qualified, registered and experienced nurse or doctor who has not been struck off and is unemployed, claiming and long term unemployed (so not out of university or in the job less than 5 years with work experience not included or retired or gave up trade) ?

    How about a qualified and experienced Computer programmer (so not out of university or in the job less than 5 years with work experience not included or retired or gave up trade) ?

    So, now we have crossed that bridge what work is the government saying is available for those claiming unemployment benefit, what is this massive favor that they have exactly done for these people and how many of these claimed opportunities have made from that total, the individual non state dependent, able to effortlessly pay all their bills and even save ?

    doug

    August 30, 2016 at 1:31 pm

  21. London Olympics has brought regeneration, but at a price locals can’t afford

    https://www.theguardian.com/society/2016/aug/30/london-olympic-regeneration-but-price-locals-cant-pay

    Dont you get it the tory will say, by seeing this in your face everyday, it will inspire you to try harder so you, wait for, MAY ONE DAY EVEN POSSIBLY HAVE THIS.

    Look elsewhere like the governments regeneration program for affordable homes and already your see businesses and lavish buildings and in one case i know of, a fancy mariner for rich people instead.

    Now im always demonstrating how anything our government instigate is always something America has already done, well listen out for the phrase GATED COMMUNITIES.

    doug

    August 30, 2016 at 1:42 pm

    • There are semi-gated communities already.

      Try getting into the compound for the flats at the bottom of Grimwade Street next to Neptune Quay in Ipswich.

      Andrew Coates

      August 30, 2016 at 3:21 pm

      • Shame i didn’t know this last year as i was up till Christmas working and staying in Ipswich. I could have took photos as evidence to add to my work on proving why you can never ever trust what a politician says and how their either and i stand by this even in a court of law, are either compulsive liars and or sociopaths as well as in very rare incidences even psychopathic tenancies.

        Now some will say what do i know, im not a doctor and that’s true but a couple of my friends who i grew up with are so my evidence does come from good grounding.

        Its kind of funny saying that as apparently something went out in America ordering or should i say nudging shrinks not to analyse politicians but i cant say if that’s true as i haven’t looked into it.

        doug

        August 30, 2016 at 4:06 pm

  22. Barefoot and eating fish and chips on a car park wall:the picture of David Cameron that says more about the pain of losing power than any words.

    Boo hoo my heart bleeds!

    Marie

    August 30, 2016 at 7:08 pm

    • “Eating with him is a woman presumed to be his wife (though her face is obscured by somebody’s back)” – no, SamCam’s not there. The woman to the left of the woman’s back is not her. Can’t see any feet. Unlike she is sat on the wall. Looks like the woman with the back to the camera is eating chips or something from a tray between the woman to the left of the woman’s back and Cameron.

      Miss Marple

      August 31, 2016 at 12:06 pm

      • Unless she is sat on the wall with here feet really high. And those flip-flops look like Cameron’s – too big for SamCam.

        Miss Marple

        August 31, 2016 at 12:08 pm

      • Also the two women are obviously together – the look Romanian or some other East European ethnicity.

        Miss Marple

        August 31, 2016 at 12:09 pm

    • And the gap between the women is not big enough for anyone to be squeezed in there.

      Miss Marple

      August 31, 2016 at 12:11 pm

    • If the Queen ‘lost power’ she and Philip would soon be reduced to just another old couple eating fish and chips on the beach at Bournemouth 😀

      Royalarsest

      August 31, 2016 at 12:15 pm

  23. EU’s net neutrality guidelines get published.

    The Body of European Regulators for Electronic Communications (Berec) – which represents all the EU’s communications regulators – has finally published guidelines clarifying how telecom companies should treat the data they handle.

    The new rules also set out consumers’ right to be free to access and distribute information and content, run applications and use services of their choice, so long as they are not illegal.

    The publication has been welcomed by digital rights experts.

    However, the UK’s decision to leave the EU may mean that UK citizens end up living under a different regime.

    http://www.bbc.co.uk/news/technology-37225094

    enigma

    August 30, 2016 at 7:46 pm

  24. enigma

    August 30, 2016 at 7:56 pm

  25. Youth unemployment highly regionalised, report shows. inc some prop.

    The huge disparity in youth unemployment rates across the UK has been laid bare by a new report that found over a quarter of 16- to 24-year-olds in Bradford, Middlesbrough, Swansea and Wolverhampton are now unemployed.

    The study commissioned by the accountancy firm EY found youth unemployment rates range from 18.3% in north-east England to 11.2% in the east of England. Coventry had one of the lowest youth unemployment rates out of the 48 UK cities reviewed, at just 8.2%.

    Young people are building up debt and worrying about money in their first few years of adult life, but far too few are seeking advice when they fall behind, according to research by National Debtline, which is run by the Money Advice Trust.

    https://www.theguardian.com/society/2016/aug/30/youth-unemployment-highly-regionalised-report-shows

    enigma

    August 30, 2016 at 9:01 pm

    • I see yet again the guardian is late to the party. This is precisely no different to unemployment figures yet all we get every 3 months is the grand total.

      Im not shocked about which sectors have fallen as what would you for the same hourly rate,

      A dogs body treated like your nothing lifting quite heavy stuff all day on a construction site or be able to dress better and wait tables as i know what i would choose.

      Getting the youth to work on building sites where i am is so bad, DWP through a provider has posters up offering free CSCS and level 1 health and safety course and of course a 5 week non paid work experience.

      Your doing good youth, keep using those heads of yours as your making the right choices although make it part time cash in hand, no apprenticeships and go to college full time as then your parents get to keep child benefits while you learn a meaningful skill in college that pay more than the crap they pay you while expecting you to do the same as a fully grown man.

      Screw the government, screw the industries, look out for yourselves as your the future and without you, those people currently conning you, wont be laughing when theirs no pension for them.

      doug

      August 30, 2016 at 10:53 pm

  26. Benefit cap Info. benefits that are exempt & those which are not.

    https://speye.wordpress.com/2016/08/30/urgent-tenants-beware-landlord-dirty-tricks-with-benefit-cap/

    enigma

    August 30, 2016 at 10:28 pm

  27. The new TTIP? Meet TISA, the ‘secret privatisation pact that poses a threat to democracy’

    Government insists ‘public services are under no threat whatsoever from this deal’

    http://www.independent.co.uk/news/business/news/ttip-trade-deal-new-what-is-tisa-privatisation-pact-secret-threat-to-democracy-a7216296.html

    enigma

    August 31, 2016 at 8:32 am

  28. Social security system fast becoming unfit for purpose, says study

    The UK’s social security system is rapidly becoming unfit for purpose, as successive cuts leave children and working age adults with an increasingly inadequate safety net for when families fall on hard times, according to a study.

    Without an urgent overhaul, the crisis in living standards for poorer families will get worse over the next few years as their incomes deteriorate, while child poverty and inequality will rise sharply, even with strong economic growth, the study says.

    http://www.theguardian.com/politics/2016/aug/31/uk-social-security-system-unfit-purpose-benefits-fabian-society-study

    enigma

    August 31, 2016 at 9:21 am


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