I am dismayed all too often that some people, the "I'm alright Jacks" everywhere, spout off about UC and austerity policies, but have NO IDEA what is actually written into UC to deliberately cause harm.
I'd like to ask if people actually realise/understand the following facts about UC -
The reason the care worker on twitter was paid only £6 to last the month after she applied for UC was because of the rigid 'assessment periods'. IT'S NOT A MISTAKE!!
So for example if you lose your job the 2nd July and you claim on the 3rd July. Your 'assessment period' for UC now runs 3rd of one month to the 2nd of the next, each month. So if the person receives a last wage on say the 15th July - that will cancel out their UC, so the next month, they will receive next to nothing. It won't be until September that the person who lost their job in July, will actually receive any money!! Cue eviction looming and foodbanks, because how is one partial month payment of sick pay from work going to last someone two months??
Do people realise that on Universal Credit, unlike the old system, people have to pay hundreds or even thousands in childcare costs UPFRONT before they can even start work?? I don't know any single Mothers who could afford to pay that upfront!! And even if they save enough to pay upfront, UC often quibble about reimbursing. I've known countless cases where people are still waiting for reimbursement of childcare they paid for and sent proof of months ago. But if they refuse a job, they will be sanctioned. You can't win either way.
Debts are taken at 40% of the personal element, and even more is taken in some cases. How are people supposed to live after such high deductions are taken at source without any consideration to the person's circumstances??
The assessment periods are also a problem for people paid 4 weekly / 2 weekly / weekly. As sometimes two wages will fall into one 'assessment period' , meaning you'll get nothing the next month. It is technically meant to balance out over the year (although I'm sceptical of this), but for those months where you get zero UC, what are people supposed to do?? This was never a problem before.
The 5 week wait for any payment (even if just being moved over from tax credits etc), has to be covered by getting a loan from UC, the loan is then taken back off future payments, so you start off in debt already.
Not even 80% of UC claims are paid full and on time!! The system, which is cruel already and called 'callous' by the UN, is riddled with mistakes, yet they still continue rolling it out inflicting it on more and more vulnerable people.
All of this is just a perfect storm, and THESE 'LOOPHOLES' written into UC is what is really putting people into very desperate situations.
UC is basically a complex game of snakes and ladders, set up for poor people and low earners, by those who will never have to worry about 'relying' on it.
We cannot keep swallowing the dangerous myth that poverty is due to lack of responsibility, and if people would just pull themselves up by the bootstraps..