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Universal credit....

37 replies

Universalcreditwoes · 20/01/2019 08:25

So we have been on universal credit for 4 months now and I have seen that they are going to start paying direct to the landlord. Does anyone know if this is a must or is this just an option... my landlord will probably try to evict us if he knows we now have universal credit as our circumstances have changed. Rent is always paid on time though

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Universalcreditwoes · 20/01/2019 09:05

Ok hmmm. Thank you. I don't want UC causing a problem by me flagging it up! Hence why i asked on here!

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MsFrosty · 20/01/2019 09:13

UC can't just make that decision so if you didn't request direct payment then your landlord has

Universalcreditwoes · 20/01/2019 09:15

www.google.com/amp/s/www.gazettelive.co.uk/news/teesside-news/dwp-universal-credit-claimants-rent-15700960.amp

This is where I read it.... I'm not in that area though

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MrsSquiggler · 20/01/2019 09:16

I've looked at Amber Rudd's recent speech which mentioned this. It looks like they are just trying to make it easier for people to request alternative payment arrangements (including payments going direct to landlords) where appropriate, ie where claimants have problems managing their money or are in rent arrears. They're not making this the default for all claims. From the speech:

"Much of the premise of UC, and the positive change it offers, is based on the fact that it mirrors the world of work. Payments are made monthly, in arrears, and all the money goes straight to claimants.

For many people this is an advantage - providing financial independence and preparation for monthly bills and salary payments.

But for others this approach does not work; managing their money month-to-month can be challenging, even impossible.

That can cause difficulties for people who are already vulnerable, and I am determined to do more to help those claimants.

There is already some flexibility in the system, thanks to the changes that we have already made.

Around 60% of Universal Credit claimants apply for advances to tide them over the initial wait for their first payment.

20% of claimants with housing costs have their rent paid directly to landlords, because a vulnerability or special need has been identified.

And for people unable to budget, there are provisions to receive payments twice, or even four times, a month. But currently only 2% of claimants have taken this option.

So although these ‘Alternative Payment Arrangements’ exist to provide people with the bespoke payments they need, they aren’t yet helping as many claimants as I believe they could.

One third of UC claimants in social rented housing have their rent paid directly to their landlord. But in the private sector, that number is only 5%.

People in the private rented sector already face a far higher risk of losing their tenancy, and I know from talking to claimants and landlords that the current system isn’t working for some of them.

So we need to make it easier for tenants in the private sector to find and keep a good home, by giving landlords greater certainty that their rent will be paid.

Therefore, I have asked the Department to build an online system for private landlords, so they can request (where necessary) for their tenant’s rent to be paid directly to them. And I will consider what else we can do, because I am determined to help keep people in their homes."

www.gov.uk/government/speeches/universal-credit-personal-welfare

Universalcreditwoes · 20/01/2019 09:19

Yes that's what my article says. But a lot of landlords don't accept it so many people will get evicted I should imagine. Maybe not. It's not clear if this is for everyone or just those who request it

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Universalcreditwoes · 20/01/2019 09:22

Just read this part. Made me feel better

'Therefore, I have asked the Department to build an online system for private landlords, so they can request (where necessary) for their tenant’s rent to be paid directly to them. And I will consider what else we can do, because I am determined to help keep people in their homes.'

The where necessary part is very important!

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Universalcreditwoes · 20/01/2019 09:23

Ok I feel better now everyone. Thank you!!!

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Roomba · 20/01/2019 09:31

I'd wondered about this too, although thankfully it doesn't affect me (only because, having a mortgage, I get SFA towards my housing costs Sad. No doubt if I was repossessed for non payment, I'd be denied future housing help as I was 'intentionally homeless', but that's a rant for another day...)

I know several people who get UC or are due to be moved onto it, whose landlords don't accept it. They're quite happy to have tenants for many years who get some tax credits while they work, as that doesn't seem to count as 'on benefits'. Tell them you've been switched to UC - you're out! Where on earth is everyone supposed to live once it is rolled out nationwide for all?I imagine a few of my friends have also been panicking over this announcement/speech - good to know it's the landlord who has to request it.

dreamingofsun · 20/01/2019 09:31

many mortgages stipulate that you cant have tenants receiving benefits - ours does. I thought that the rent only got paid directly to the LL if the tenant requests it that way; or if a person is behind with the rent and risking eviction the LL can request it (not that the DWP were that helpful when we did for our tenant).

Universalcreditwoes · 20/01/2019 09:36

Yes dreaming looks like they only pay to the landlord directly if there are arrears. But now anyone can request this. So only if you ask for it or landlord does. Thank God! I feel bad and don't want to cause a problem for the landlord but I also don't want me and the kids homeless....

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dreamingofsun · 20/01/2019 09:43

to be honest universal, I'm not sure how the mortgage company would have known our tenant was on benefits, so if she had paid us rent, given us access to the property and not totally trashed the place we would have just pleaded ignorance of her being on benefits. And carried on with the arrangement.

Universalcreditwoes · 20/01/2019 09:49

That's true dreaming but you seem very nice. My landlord isn't so...nice. But it's good to know we don't need to tell him. We look after the place and never missed rent and allow him access at a drop if a hat even though it means using holiday days... We keep him quiet as the rent could go up as apparently it's 'cheap'. It's not....

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