KUWG on Twitter

Showing posts with label debt. Show all posts
Showing posts with label debt. Show all posts

Thursday, 26 October 2017

DWP: (n) UK-state-run modern slavery gangmaster

DWP: (noun) UK-state-run modern slavery gangmaster

Modern slavery — that the UK Government signed up to oppose in 2014 (1) — frequently uses unjust debt as a mechanism toward further enslavement.

Yet the kinds of debt that the UK's Department for Work & Pensions [sic] (DWP) imposes on economically vulnerable people are enslaving in themselves, deducted from income at source through implementation of 'Universal Credit' as the 'Conservative government's flagship' 'welfare reform'. See Kate Belgrave's latest blog post for substantiation of this argument.(2)

I would argue that introduction of a non-conditional Universal Basic Income (3) without 'deduction of debt at source' mechanisms would be far more effective at opposing debt-related modern slavery that is instituted in the so-called 'Universal Credit'.

Reference links

https://www.gov.uk/government/publications/modern-slavery-strategy
http://www.katebelgrave.com/2017/10/universal-credit-and-debt-debt-debt-universal-credit-is-really-hard-i-miss-one-bill-to-pay-another-more-foodbank-interviews/
http://basicincome.org/basic-income/

Placard and blog posting above by Dude Swheatie of Kwug

Saturday, 10 December 2016

The Children's Society flags up 'The damage of debt in Camden' and calls for Government action

Guest blog post by The Children's Society

Logo

The damage of debt in Camden


Did you know there are an estimated 9,400 children living in families with problem debt in Camden? 

Our research has found that these children are five times more likely to be unhappy than children in families without debt troubles. That's why we're calling on the Government to introduce a 'breathing space' scheme for families in debt. Will you help us spread the word about the campaign by writing to your local paper?


We've already had our supporters' letters published right across England and Wales, from Sheffield to Swansea, but for the campaign to be successful we must continue building momentum at the local level. Please help us protect children from the damage of debt.

With thanks,

Anastasia French
Campaigns Team
The Children's Society




Sunday, 18 September 2016

Revd Paul Nicolson comments on preview of Ken Loach's Palme D'Or winning 'I, Daniel Blake'

Guest blog post by Revd Paul Nicolson of Taxpayers Against Poverty

Dear all,  

I went to a preview of Ken Loach's very necessary Palme D'Or winning new film I, Daniel Blake; I wept.  I am so glad 
​a special screening has been​
 arranged 
​ by the Peoples Assembly 
in Birmingham and sorry I 
​cannot be there​

Life was bad for the unemployed prior to Iain Duncan Smith's reforms, when I was working with and for benefit claimants in debt. Parliament did not, however, permit jobcentre officials to stop unemployment income for one month, three months or three years with a benefit sanction. 

I reflected at the preview that I, Daniel Blake describes only one of three nightmare bureaucracies which require officials to implement oppressive laws that impact on the mental and physical health of our poorest fellow citizens and their children by creating debts, hunger and homelessness. 

Now, when the jobcentre stops an income with a benefit sanction, local authorities continue to enforce rent and council tax arrears; magistrates enforce fines for poverty related offences such as TV licence or fare evasion, both adding court costs and bailiffs fees.  Those debts have often arisen because benefit and other incomes in and out of work have been shredded since 2010. The debts pile up while the unemployment income is stopped by the sanction and are then enforced for months after it ends. 

The poverty crisis is even deeper than the tragic circumstances accurately captured by Ken Loach. 

​In solidarity, 

Paul​

from the Reverend Paul Nicolson
Taxpayers Against Poverty
No citizen without an affordable home and an 
adequate income in work or unemployment. 

93 Campbell Road, Tottenham, London N17 0BF, 0208 3765455, 07961 177889, 


Saturday, 27 August 2016

Revd Paul Nicolson: Restoring 100 percent maximum Council Tax benefit is best

In LB Haringey, Taxpayers Against Poverty founder Revd Paul Nicolson has launched a personal campaign of civil disobedience over his Local Authority's insistence on levying Council Tax on those "too poor to be taxed.
"http://taxpayersagainstpoverty.org.uk/news/it-is-beyond-the-comprehension-of-national-and-local-law-makers-that-73.10- 


He has written me regarding Camden's current Council Tax Reduction Scheme consultation:

I suggest as many people as possible respond to the consultation to support Camden's preferred Option 2 restoring the 100% council tax benefit by clicking the following in paragraph 2 of the consultation  - "  - ....
When Camden reports on the consultation they will report the numbers supporting each option,

All good wishes, 

Paul

Alan Wheatley

Wednesday, 3 August 2016

Taxpayers Against Poverty: The arithmetic of the powerful makes poor people ill

Guest blog post from Revd Paul Nicolson of Taxpayers Against Poverty


Dear all, 

I am glad my letter was publised by The Guardian on Tuesday morning. The photo was taken outside the DWP headquarters at Tothill Street, Westminster where UNITE Community had called a demonstration to remember those who has died after a benefit sanction.  They also published the link to Amelia Gentlemans's helpful article

I wrote and said the following prayer at the demo. The first paragraph of draws on the work of Psychologists Against Austerity. (https://psychagainstausterity.wordpress.com/) who have listened to sanctioned people and from my own work with people struggling with unmanageable debt imposed by the State.


We remember all who have died while their income was sanctioned,
who were overcome by any feelings of humiliation or shame,
by fear or distrust, insecurity or loneliness;
or by a sense of being trapped and powerless​,
under the abuses of power by the State
in a time of austerity.

In a time of austerity we pray,
in solidarity with the 1000s of UK citizens currently suffering sanctions,
which are imposed with the maximum use of the media
to blame decent people for their own unemployment and poverty;
for the millions of UK citizens who are suffering under unmanageable debts
due to
​ 
high rents, the council tax, the caps and cuts in social security
​ 
imposed by Parliament, made worse by sanctions.

We pray too for those in power, and seeking power, that they may find; 
The courage to work for and implement social and economic justice, 
The will to build a well-being state on the ashes of the welfare state
​ ​
in which
rich and poor and Parliament are in solidarity with each other. 
The policies to ensure that no one will have to choose between
heating or eating,
the rent or the streets,
life or death
​,
due to the unjust enforcement of debts
against inadequate incomes,
or no incomes at all,
due to a sanction.
In the name of Jesus Christ,
Amen



from the Reverend Paul Nicolson
Taxpayers Against Poverty
No citizen without an affordable home and an 
adequate income in work or unemployment. 

93 Campbell Road, Tottenham, London N17 0BF, 0208 3765455, 07961 177889, 

Saturday, 25 June 2016

Taxpayers Against Poverty asks Bishops, Councils and Company bosses to get their heads round the depths of poverty in the UK

From the Revd Paul Nicolson of Taxpayers Against Poverty

A TAP letter was published in The Guardian on Thursday 16th June. 

They added the helpful headline.


In the photo with the letter I was at a demonstration for people whose relatives had died or committed suicide after their benefits were stopped by a benefit sanction. I said this prayer at the demonstration, which was written for them. (2)

The first paragraph draws on the work of Psychologists Against Austerity (https://psychagainstausterity.wordpress.com/) who have listened to low income people sanctioned and in debt. (3)

The following TAP letter was published by The Church Times on Friday 24th June.
The Church Times added the headline. 

Flaws in Bishops’ analysis of the welfare state 

Sir, — By adding a sixth giant, “isolation” (News, 10 June) to Beveridge’s “five giant evils” of want, disease, squalor, ignorance, and idleness, in their report Thinking Afresh about Welfare, the Bishops have gone a very long way towards describing the dilemmas of poverty in the UK faced by politicians and the electorate, but never reached its depths.


They rightly set a goal of “enhancing the well-being of the whole nation”, but I searched in vain for a description of the impact of debt on mental health reported to governments of all hues by the Royal College of Psychiatrists (4) and the Government Office for Science, (5) and of the creation of debts by welfare reform; and of the lifetime behavioural problems of too many low-birth-weight babies born to impoverished mothers who cannot afford a healthy diet, before and while they are pregant, described by the Institute for Brain Chemistry and Human Nutrition; (6) of the 17-year and increasing gap in life expectancy between some rich and poor areas; (7) for an understanding of the socially divisive and growing inequality of wealth accumulated over the past 30 years by land-owning home-owners, corporations, large builders, and landlords, including the Churches, while the landless tenants, with diminishing security of tenure, have rent and council-tax arrears enforced against their low benefit incomes because of cuts in their housing and council-tax benefits.

Perhaps the most serious omission is the failure to mention the deliberate reduction of access to justice by pricing it out of the reach of the poorest citizens and reducing legal aid. The administration of welfare involves millions of decisions to be made by national and local government officials every week. Parliament has passed an immense amount of welfare legislation, the just interpretation of whose practice inevitably requires the courts.

Benefit sanctions, which stop benefit incomes for one month, three months, or three years, are cruel and disproportionate punishments. They create hunger and crippling debts, which pile up during the sanction and have to be paid off over even more months when it ends. The Bishops suggest: “Our approach to sanctions should focus on how they are administered whilst supporting the principled option of using sanctions where they are demonstrably effective in changing irresponsible behaviour.”

No punishment should be left to Jobcentre administrators. They should be proportionate to income and handed down by the magistrates after due process, including independent representation.

PAUL NICOLSON
Taxpayers Against Poverty
93 Campbell Road
London N17 0BF

Sunday, 12 June 2016

Media notice re Revd Paul Nicolson's defiance of illegitimate Council Tax levying

KUWG members will attend a demonstration outside Tottenham Magistrates Court, Lordship Lane, London N17 6RT on Wednesday, 15 June. 

Revd Paul Nicolson's own legal dispute is with LB Haringey — the borough in which he resides — whereas the heartland of the Kilburn Unemployed Workers Group is in the Kilburn wards of LB Brent and LB Camden. We believe that what he says about how the Council Tax is levied where he lives can also be said about other London boroughs including Brent and Camden, and so the KUWG banner will be at that demonstration along with KUWG members.

Interactive 'how to get there' details available from Transport for London 'Plan a Journey' website at https://tfl.gov.uk/plan-a-journey/ and Streetmap http://www.streetmap.co.uk/map.srf?x=533569&y=190573&z=0&sv=N17+6RT&st=2&pc=N17+6RT&mapp=map.srf&searchp=ids.srf

Below is the Revd Paul Nicolson's media notice explaining his position.

MEDIA NOTICE
For immediate release
Rev Paul Nicolson
07961177889

Rev Paul Nicolson in Tottenham Magistrates Court, Lordship Lane, London N17  6RT at 10am Wednesday 15th June 2016

I have been summoned to the court because I have refused to pay my council tax. 

This is a liability order hearing, after which the Magistrates will have the option to summon me back to a committal hearing at a later date. That is when they can decide whether or not to send me to prison. 

I am claiming that the council tax liability order court costs of £115 awarded by Tottenham Magistrates in bulk to Haringey Council against each late and non paying Haringey resident, some times 1000s at a time, are unlawful. The costs were agreed by the Magistrates on the 12th August 2015. 

The background has been brilliantly written up this month by Amelia Gentleman in The Guardian, Joe Watts in the London Evening Standard and 
​by ​
Richard Jinman in The I, and in 2013 by Ros Wynne Jones in The Mirror.(1)(2) 

I am particularly indignant about the cumulative impacts of cuts, caps and council tax, on the mental and physical health of the poorest Haringey residents, which have never been assessed by national or local government. 

I am making a principled stand because;

  1. Haringey Council should never have taxed the benefits decided by the DWP with council tax. Since April 2013 the DWP's benefits have being shredded by rent payments due to the three cuts in housing benefit by central government disguised as "the benefit cap" and  "removal of the spare room supplement" (bedroom tax) and "the local housing allowance"; DWP's benefits are also stopped altogether in the jobcenters by the benefit sanction leaving unpayable the inevitable rent arrears, council tax arrears, court costs and bailiffs fees, and other debts. I am particularly indignant about the cumulative impacts of cuts, caps and council tax on the mental and physical health of the poorest Haringey residents which have never been assessed by national or local government. 
  2. I am claiming the £115 is unlawful because Haringey Council, their auditors Grant Thornton and Tottenham Magistrates, when deciding the level of council tax court costs at £115, failed to take into account the guidance about vulnerable circumstances, produced by MOJ and endorsed by the DCLG. The MOJ lists potentially vulnerable circumstances as "The elderly; • residents with a disability ·  the seriously ill; • the recently bereaved; ·    single parent families; • pregnant women; · unemployed residents;  • those who have obvious difficulty in understanding, speaking or reading English.”. The Tottenham Magistrates, blind to these vulnerable situations, allow Haringey Council their liability orders, in bulk sometimes 1000s at a time adding the costs to the arrears.

THIS IS THE TEXT OF WHAT I WILL SAY TO THE MAGISTRATES ON THE 15TH JUNE 2016
The Tottenham Magistrates sign Haringey Council’s print outs of many names and “hey presto” 1000s of council tax liability orders and £115 costs are dumped blind, in bulk on the late paying residents including;

·        The elderly; • residents with a disability; 
·        the seriously ill; • the recently bereaved;
·        single parent families; • pregnant women;
·        unemployed residents,
 • those who have obvious difficulty in understanding, speaking or reading English.” 
 
Magistrates are blind to any of the vulnerable circumstances of Haringey residents when they make these decisions in bulk.

I am particularly indignant about the cumulative impacts of cuts, caps and council tax on the mental and physical health of the poorest Haringey residents which have never been assessed by national and local government. (3) (4)

At the request of Haringey Council the Tottenham Magistrates decided a total of over 21,877 liability orders in bulk in 2013/14  at an average of 810 a time at 27 hearings. The largest bulk imposition was 2,168 and the smallest 29.  The magistrates now impose £115 costs on top of council tax, rent, utility and other unmanageable debts due to shredded benefits, which have been taxed by the council since April 2013. 

On the 19th September 2014 I asked Grant Thornton, Haringey’s auditors, to audit the £125 costs awarded to Haringey Council by Tottenham Magistrates on the 2nd August 2013 and to take into account the well being and vulnerable circumstances of 1000s of Haringey residents. (£125 costs were charged by Haringey from April 2010 to August 2015). They replied on the 5th May 2015;

I wrote to Grant Thornton on the 3rd May 2015:

"You might also consider asking the local GPs and NHS by how much their costs have increased due to the increasing impact of debt on the health of residents since their benefits were taxed in April 2013. See Royal College of Psychiatrists and The Faculty of Public Health. (5) (6)The council now has responsibility for public health and that means prevention of the costs to the taxpayer of ill health that accrue from the tax and its draconian enforcement."

 They replied on the 5th May;

“We have no remit … to opine on the impact of this policy on the well-being of those required to pay council tax”

Grant Thornton is the seventh largest international company of accountants in the world on premium income.(7) 

The most deprived wards Haringey have among the highest incidence of low birth weight in the UK, at over 10% of live births, and the lowest life expectancy of 71 years, 17 years younger that in Kensington and Chelsea where life expectancy is 88 years. (8) (9) 

On the 15th June 2016 I will be claiming that the new level of £115 costs are unlawful because the relevant evidence of the vulnerable circumstances of 1000s of Haringey residents was not taken into account when the level of £115 was decided by Haringey Council. The council was advised by Grant Thornton to “maximise” the costs “as high as possible” and to be loosely “broadly reasonable” and “not unreasonable” when the regulations are very tight. £115 was agreed by the Magistrates on the 12th August 2015.   

The liability order enables draconian enforcement of council tax by the council.

“If a liability order is granted the council will be able to take one or more of the following actions:  Instruct bailiffs to take your goods to settle your debt - this can include your car.  You will be liable to pay the bailiffs costs which could substantially increase the debt. Instruct your employer to deduct payments from your salary or wages. Deduct money straight from your jobseekers allowance or income support. Make you bankrupt. Make a charging order against your home. Have you committed to prison”.   
  
Haringey should have informed Grant Thornton about the;

 DCLG “Guidance to local councils on good practice in the collection of Council Tax arrears” ,which supports vulnerable people seven times and,  “ should be seen alongside a range of existing good practice, including that set out in the original council tax codes of practice and the National Standards for Enforcement Agents” produced by the MOJ "In particular this (DCLG) guidance deals with the kinds of help and support that Local Authorities should be giving to vulnerable people, both in the run up to enforcement activity taking place and afterwards.(10) 

The MOJ guidance in The National Standards for Enforcement Agents – now named the Taking Control of Goods National Standards – includes the following list of potentially vulnerable situations see para 77;(11)

·        the elderly; • residents with a disability; •
·         the seriously ill; • the recently bereaved; •
·        single parent families; • pregnant women;
·        unemployed residents ; and, • those who have obvious difficulty in understanding, speaking or reading English.” 

HARINGEY COUNCIL'S MEANINGLESS OATH
Haringey Council made a meaningless oath/affirmation to Tottenham Magistrates on the 12th August 2015 when proposing a reduction of enforcement costs from £125 for a summons and a liability order to £102 for a summons plus £13 for the liability order.

“I confirm that the documents available to the District Judge at the hearing at Tottenham Magistrates Court on the 12-08-2015 included the schedule of costs attached with this letter.”
It is reasonable to expect the Magistrates to check that vulnerable situations, as recommended by the DCLG and the MOJ,  have been taken into account and to insist that Haringey Council confirm on oath/affirmation that the council’s calculations supporting the council tax costs of £102 for a summons plus £13 for a liability order fully comply with the Council Tax (Administration and Enforcement) Regulations 1992. 

PN 12/6/16