RIP
Come back in 14 days and see how things are going
Remember Cheltenham, champions league games, schools not closed early enough
Spot on......perhaps the people who denigrated the "scroungers" and now have to actually claim UC will realise that they were misinformed.
That might have been guidelines initially but they’ve now changed. In my experience people get the advance loan very easily and every claimant gets offered it. No income or expenditure completed. Then they’re getting it deducted at mad rates from their ongoing entitlement. Remember UC is meant to be the baseline living amount so how they can justify deducting from that amount, I’ve no idea. I had one guy given it who wasn’t even entitled to UC.It really isn’t worth going on universal credit if you’re self employed.
I worked in then benefit system for a few years, and although it was mainly on JSA I trained on UC for a bit and it is essentially the same process just more streamlined with a different payment structure.
This loan the government are advising self employed people to get is easier said than done.
For one, it’s 60% of your entitled benefit. There’s a very good chance your benefit will already be deducted through any savings you may have and the last payment you received.
When you go through the loan process (it’s called a short term advance btw) you’ll be asked so many questions about your circumstances. These questions are all designed for the advisor to give you as little as possible.
You’ll be asked about what you need the money for, the last payment you received, what you spent that money on, is there anyone in the household who can provide for you, have you been to your local authority for hardship etc....
Basically unless you live on your own and have absolutely nothing to live on they’ll expect you to get money from elsewhere.
If by the end of this process you’re entitled to a payment, chances are it’ll be very limited and wouldn’t be worth your while. Very unlikely that you’d receive it after a couple of days also, especially with the growing demand.
You’ll then be waiting about five weeks to receive your first benefit payment and if you’re lucky enough to received a sizeable advance a large chunk will be taken out of this payment.
It’s laughable that the government are advising people to go down this route. It really is.
Anyone need some advice about going on UC give us a shout and I should be able to answer any questions you have.
My general advice would be to avoid it if you can but that’s without knowing anyone’s circumstances.
That might have been guidelines initially but they’ve now changed. In my experience people get the advance loan very easily and every claimant gets offered it. No income or expenditure completed. Then they’re getting it deducted at mad rates from their ongoing entitlement. Remember UC is meant to be the baseline living amount so how they can justify deducting from that amount, I’ve no idea. I had one guy given it who wasn’t even entitled to UC.
Can help a few people who are self employed also. Especially, single parents. Anyways...
Ahhh Fair enough, but it still sounds quite similar to what it was on JSA, albeit maybe an easier process which is good.
The main issue is the deductions. They make people aware of this when offering the loan but you’re talking to people in desperation living hand to mouth, they’ll take anything.
The UK offers a cautionary tale. Its first response was to say that people would develop herd immunity, though it switched course a few days later. I’d already been concerned about the capacity of the British system, and this made me very worried. Herd immunity only works if you have a vaccine and 85 to 90 percent of the population is inoculated. Right now, in the face of an infectious disease with such a high mortality rate, for the UK to resist acknowledging the reality of the virus could translate into tens of thousands of deaths. It was unthinkable for a government to put out such nonsense. We in Korea were thinking, “Are these people in their right mind?”

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