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Universal Credit

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tome Flag Inner Tantalus Time. 25 Oct 17 9.46pm Send a Private Message to tome Add tome as a friend

Originally posted by CambridgeEagle

What you've actually seen is that Landlords are unwilling to give new leases to tenants on UC simply because they don't trust them to make the payments. They're not even getting the chance.

As I've pointed out the taper rate means that work doesn't pay. Figures following inflation data showed that real earnings have fallen by most for families working but still on UC, and those just on UC but not working have been more insulated. This isn't right.

Couldn't the government compel landlords to retain or accept equal offers regardless of benefit status?

I am divided on the idea of giving the cash straight to landlords, doesn't seem likely to engender positive behaviour by either landlords or tenants.

 


A one and a two...

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Ouzo Dan Flag Behind you 25 Oct 17 9.56pm Send a Private Message to Ouzo Dan Add Ouzo Dan as a friend

Living in Norfolk this past year UC was discussed on the radio a fair amount.
It wasn't massively popular because claimants would spunk the whole lot & have nothing put aside for bills & food.

As someone who believes in a bit of self regulation I struggle to feel sorry for people who spunk their universal credit up the wall the moment they get it.

Edited by Ouzo Dan (25 Oct 2017 9.56pm)

 


The mountains are calling & I must go.

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cryrst Flag The garden of England 25 Oct 17 10.26pm Send a Private Message to cryrst Add cryrst as a friend

Originally posted by jamiemartin721

The problem of course is that people on benefits don't have money to fall back on, and people don't suddenly stop wanting to be paid either.


Maybe this highlights the thought process of people on benefits.
It can't be beyond comprehension that people not on benefits don't have money to fall back on.
FFS lots of us with a mortgage are probably only two monthly wages away from being homeless the same as above.
There is no fall back position for us whereby on benefits there appears to be.
Ignorance is bliss.
By the way I have been repoed in the early 90's so I do know you can come back from what seems like a total wipeout.
I did get temp accomodation but no benefit help.
After 3 days I got a £20 crisis loan
Try feeding three on that for ten days.

 

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Midlands Eagle Flag 26 Oct 17 7.39am Send a Private Message to Midlands Eagle Add Midlands Eagle as a friend

Originally posted by cryrst


FFS lots of us with a mortgage are probably only two monthly wages away from being homeless the same as above.
There is no fall back position for us whereby on benefits there appears to be.

Mortgage Protection Insurance

 

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cryrst Flag The garden of England 26 Oct 17 8.14am Send a Private Message to cryrst Add cryrst as a friend

Originally posted by Midlands Eagle

Mortgage Protection Insurance

Granted midland
Not the easiest to get a return on
I've tried and jump through hoops
But you might have missed my point slightly
It's more about the financial situation and perception of people,
in societies different social positions.

 

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Midlands Eagle Flag 26 Oct 17 8.55am Send a Private Message to Midlands Eagle Add Midlands Eagle as a friend

Originally posted by cryrst

Not the easiest to get a return on
I've tried and jump through hoops

I was made redundant 20 years ago and was out of work for a couple of years and I would have sunk without trace if it wasn't for the mortgage protection insurance

 

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cryrst Flag The garden of England 26 Oct 17 9.07am Send a Private Message to cryrst Add cryrst as a friend

Originally posted by Midlands Eagle

I was made redundant 20 years ago and was out of work for a couple of years and I would have sunk without trace if it wasn't for the mortgage protection insurance

Glad it worked for you
I was self employed so didn't work for me
I was repoed in 92'
New baby ,mrs not working, layed off.
I'm back now with a mortgage etc and just above water lune.
So your situation of no money to fall back on sort of proves my point.
Even people not on benefits have no fall back position . Not trying to patronise you midland and sorry if seems like that.

 

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npn Flag Crowborough 26 Oct 17 9.10am Send a Private Message to npn Add npn as a friend

Originally posted by CambridgeEagle


Additional 5% for over £80k sounded like a reasonable start to me as proposed by Labour in previous GE.

More importantly taxes on unearned income such as capital gains and inheritance needs looking at as it's way too low. It shouldn't be so much lower than income tax. Why you get taxed more on money you work for is grossly unfair.

Reforming property tax so that your home isn't exempt from CGT would be a good idea as well and would help cool down the market. I would advocate replacing SDLT with CGT so that you pay taxes on exiting rather than going in,.

The bold bit I agree with, but tax rate rises as your earning increase have never made sense to me (I'm even iffy about the 40% band as it stands).

The last point is an interesting one, and I'll think on it. I guess one issue would be that in a falling market, you lose tax revenue.

 

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CambridgeEagle Flag Sydenham 26 Oct 17 9.23am Send a Private Message to CambridgeEagle Add CambridgeEagle as a friend

Originally posted by Ouzo Dan

Living in Norfolk this past year UC was discussed on the radio a fair amount.
It wasn't massively popular because claimants would spunk the whole lot & have nothing put aside for bills & food.

As someone who believes in a bit of self regulation I struggle to feel sorry for people who spunk their universal credit up the wall the moment they get it.

Edited by Ouzo Dan (25 Oct 2017 9.56pm)


I think there is clearly a failing in the education system as there is very little in the way of teaching simple life skills such as budgeting.

The problem is that the UC system doesn't really provide a huge incentive to get back into work because of the taper rate and the transition has been handled terribly.

In order to help people get into work and be productive members of society they need a system around them that is helpful and provides the right incentives and the right training/education. I'm not talking about spoon feeding, but living on benefits isn't easy and these people do need help.

 

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steeleye20 Flag Croydon 26 Oct 17 9.23am Send a Private Message to steeleye20 Add steeleye20 as a friend

Tinkering with taxes will not make any difference.

To deliver a society for the majority not the few requires upheaval.

I do think labour can make a big difference on social issues like Attlee and Wilson did.


 

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CambridgeEagle Flag Sydenham 26 Oct 17 9.29am Send a Private Message to CambridgeEagle Add CambridgeEagle as a friend

Originally posted by npn

The bold bit I agree with, but tax rate rises as your earning increase have never made sense to me (I'm even iffy about the 40% band as it stands).

The last point is an interesting one, and I'll think on it. I guess one issue would be that in a falling market, you lose tax revenue.


Tax systems have to be progressive, otherwise they are unfair.

Good point about falling markets, but I don't really like SDLT as it's a transaction tax that just makes the property market less efficient and more difficult, especially for first time buyers. It's a tough one, but I do think something needs to be done to make the housing market fairer and more efficient. SDLT returns suffer in falling markets as well it should be remembered as the number of transactions falls and prices are lower.

 

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cryrst Flag The garden of England 26 Oct 17 9.35am Send a Private Message to cryrst Add cryrst as a friend

Maybe when someone gets a job the support and money left at the end of the month should be relative and an incentive.
Say if they had £500 left when on UC or benefits whatever it's called after bills are payed, then still have that and maybe a top up of some % to make you better off.
At the moment I think it can make you worse off once they get a job.
Even as a Tory I can see that's wrong.
I wouldn't be incentified in that scenario.
It would still mean less from the public purseand it's not rocket science.

 

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