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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

to be worried about Universal Credit

968 replies

idiuntno57 · 23/03/2013 20:21

I am in the lucky position of not needing to claim this but I am so worried about its implementation.

Its coming in in the Autumn and is going to be an online only, monthly, postdated payment. It will be paid to one adult in the family unit.

All well and did if you are god at managing your money, internet literate and in a stable relationship. But in the real world....

How are the most vulnerable in society going to have a chance with this?

Already the council tax changes are coming in and as far as I understand people are confused and shell shocked by it. UC is much bigger and no one is prepared.

OP posts:
IneedAsockamnesty · 23/03/2013 23:38

No you can claim in work credit they also had another thing called something different but I can't remember what and was attached to is and ESA when is became ESA.

Under the old rules you got a additional payment for 4 weeks with the in work credit you can get up to £60 a week for up to 52 weeks.

Uc will be linked to real time employment reports but that will only make it easier for hmrc not the claiment,its a scheme that is intended to combat fraud and that's it not to be convienint or helpful and it won't be. Even hmrc admit that.

littlemisssarcastic · 23/03/2013 23:41

If you go from IS/tax credits into work before the 31st March 2013 you do have to wait for your wages, yes, but if you have been out of work for 6 months or more, you do get a back to work bonus. This helps enormously. You get 4 weeks of your rent and council tax paid. That is a huge help.

Going from IS/JSA to UC, there will be a gap of a month between receiving your weekly tax credits/JSA/IS before you receive anymore money.

That will be incredibly difficult, if not impossible for many many people to cope on. Many many people wont be able to afford the basics for their DC during the long long wait for money. Sad

BeerTricksPotter · 23/03/2013 23:47

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Booyhoo · 23/03/2013 23:57

how do you 'learn the hard way' to budget when you have nothing to budget with? Hmm

how do you get electric after the first week when you only have enough for 1 week? how do you cook? how do you buy food to cook? i dont know about you brandy but 4 weeks without food isn't going to leave me better able to budget £0.00.

pedrohedges · 24/03/2013 00:01

Is it true that they will pay us a month behind? How will we eat during that first month?

SneezingwakestheJesus · 24/03/2013 00:01

Is it definitely confirmed that they will give the last weekly payment and then leave a gap of four weeks? Thinking about it, wouldn't they do last weekly payment and then the following week will be the monthly payment in advance? Or do we wait four weeks because it will be backdated/in arrears/whatever the word is? Does this mean everyone will be a month behind forever? I mean, if bank of mum and dad rescued me in that situation just for the sake of an example, I'd never be square with them as every month id pay them back but then have £0 so borrow it again. People will have nowhere to turn :(

bluecarrot · 24/03/2013 00:06

TSC - would a crisis loan be a possibility? I haven't had any experience of them.

IneedAsockamnesty · 24/03/2013 00:08

Crisis loans are being abolished.

And all benefits are paid in arrears always.

SneezingwakestheJesus · 24/03/2013 00:12

So basically, any of us receiving benefits are fucked :( I wouldn't mind monthly payments if they were bridging that one month gap better but this is a nightmare.

TheSecondComing · 24/03/2013 00:13

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SneezingwakestheJesus · 24/03/2013 00:16

Have the government been asked about this when UC is mentioned in the media and stuff? How families will cope with it?

TheSecondComing · 24/03/2013 00:18

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Booyhoo · 24/03/2013 00:18

yes sneezing. unless they miraculously decide to give everyone a one month 'freebie' (they wont) then the knock on effect of this really will devastate people financially. people will be forever chasing their tails.

can i ask a question please?

i had a look at the UC calculator linked to above and in the breakdown of the payment one section was called 'child support'. i'm assuming that is the new term for what is currently child tax credits and child benefit? it gave a figure that of £113(something pence) per week, however currently (on IS with 2 children) i receive £114.04 CTC and £33.70 CB making a total of £147.74. why is there going to be a reduction of almost £35 or is the calculator wrong?

Booyhoo · 24/03/2013 00:23

also. i wasn't able to select northern ireland as my location. is NI being affected differently to the rest of the UK?

TheSecondComing · 24/03/2013 00:25

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SneezingwakestheJesus · 24/03/2013 00:26

I don't have meters :( just a bill based on the previous six months. Its a new rental so they are charging me £50 a month for the first six for electric and £50 for gas but I don't see it going down by much in October when it could start where I live. I miss having meters :( I can't stockpile anything either as we live down to the pound right now due to our financial situation and some other stuff going on with dd's dad. I could maybe stretch to some cheap tins if I'm careful though so if I buy an extra one or two every so often that will help a little. I'm lucky to live near family who would let us squeeze in for tea too maybe. I feel so sad for people who have no one to help :(

Darkesteyes · 24/03/2013 00:26

This is going to be one unholy big fucking mess. With us UC will be replacing HB.

Booyhoo · 24/03/2013 00:27

ah, i have found thisuniversal credit NI

it says that UC may be split between two people in the household and UC may be payable twice each month. which i think is different from what will happen in the rest of the UK?

TheSecondComing · 24/03/2013 00:41

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bochead · 24/03/2013 00:43

In Greece there are numerous reports of children being left at school on a Friday afternoon, in the hope the authorities would feed them as their own parents no longer have the means. Desperate measures, but I know I wouldn't be prepared to see my son go without food.

Sadly I envisage similar scenes of desperation occuring here, unless "the Big Society" in the form of food banks and charities manages to bridge the gap. The huge demand and rise in food banks recently has suprised me, especially as many recipients are in work.

All I can advise to other parents on benefits is that you start stocking up your cupboards now with storecupboard essentials.

Emergency broth.
8 pounds of rice
2 pounds of red kidney beans
2 pounds of pearl barley
2 pounds of yellow lentils
1 pound of green split peas
1 pound of chick peas

The above will make 16lb or 3 months worth of a fairly nutritionally balanced broth. Just add stock & water when needed in the amount you need for the night. (Add meat, onions etc if and when you can). Buy a pound of rice per week, and build up your 3 month supply gradually while you are able to now.

A bowl of that of a night, a free school meal + a bowl of porridge made with water in the morning won't be much much fun, but it'll keep your kids going in hard times.

IF you can spare the cash now, building up a more exciting emergency food stash by buying an extra tin of beans/fruit a week could turn out to be the smartest thing you've ever done.

The late spring means food prices will rise again this year, after last summer's bad harvest. Fuel & heating costs are also outstripping inflation. Council tax will tip many families over the edge. Those on mortgages do not get HB any way in the event of losing their jobs, the new housing allowances are bringing those in rental accomodation into line with homeowners on benefits.

I'm just hoping the introduction of UC doesn't coincide with a bad winter. The winter death stats due to fuel poverty in the UK are already shocking.

Booyhoo · 24/03/2013 00:51

thank you for that post bochead. it is good advice. hopefully it will keep some from starvation when things get as bad as i know they will.

TheSecondComing · 24/03/2013 00:53

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SouthernComforts · 24/03/2013 01:00

TheSecondComing - I live v. near Oldham, do you know what areas are being affected? Is it by postcode or proximity to Oldham centre..?

I work and receive tax credits - no idea how this will affect me.

expatinscotland · 24/03/2013 01:01

Great post, boch, and one to take to heart in cities in case of riot.

TheSecondComing · 24/03/2013 01:09

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