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1126933
star this property registered interest false more like this
star this property date less than 2019-05-15more like thisremove minimum value filter
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, what penalties universal credit claimants incur if they are unable to repay their advance within 12 months. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 254729 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-05-24more like thismore than 2019-05-24
star this property answer text <p>Before accepting a Universal Credit Advance the number of monthly repayment instalments is agreed with a claimant, up to a maximum of 12. For a variety of reasons, instalments may not occur consecutively, so claimants do not incur a penalty if it takes them more than 12 calendar months.</p><p> </p><p>The Department has taken a number of steps to ensure that advances meet the needs of claimants and that recovery arrangements are personalised and reasonable. From October 2019 we are reducing the maximum rate of deductions to 30 per cent and from October 2021 we are increasing the maximum recovery period for advances from 12 to 16 months.</p> more like this
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-05-24T12:02:18.013Zmore like thismore than 2019-05-24T12:02:18.013Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter
1126934
star this property registered interest false more like this
star this property date less than 2019-05-15more like thisremove minimum value filter
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, pursuant to the Answer of 13 May to Question 249845, what proportion of universal credit claimants who had not fully repaid their advance as of 5 May 2019 had taken out that advance prior to 5 November 2018. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 254730 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-05-23more like thismore than 2019-05-23
star this property answer text <p>The latest available data shows there were 610,000 claimants who had not fully repaid a Universal Credit Advance which had been taken out prior to 5 November 2018. This equates to around 40% of the total claimants with a Universal Credit Advance.</p><p> </p><p>Notes:</p><ol><li>Data is a snapshot of information held on 15 May 2019 and has been rounded to the nearest ten thousand.</li><li>Many Universal Credit advances are taken out over a 12-month repayment period, so this snapshot of data includes cases where repayments are being made to the agreed timeline.</li><li>This data has been sourced from internal management information and due to the time available, has not been quality assured to the usual standards for public release. It should therefore not be compared to any other similar data subsequently released by the Department.</li></ol> more like this
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-05-23T16:28:49.52Zmore like thismore than 2019-05-23T16:28:49.52Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter
1126936
star this property registered interest false more like this
star this property date less than 2019-05-15more like thisremove minimum value filter
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, pursuant to the Answer of 13 May to Question 249845, what information her Department holds on the demographics of universal credit claimants who have been unable to repay their advance within 12 months. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 254731 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-05-20more like thismore than 2019-05-20
star this property answer text <p>The table below shows the volumes of customers who have had an advance of their Universal Credit award on the system for a year or more as of 13 May 2019, broken down by age, gender and region. All figures are rounded to the nearest 500.</p><p> </p><p>Prior to taking a new claim advance, the claimant agrees the number of monthly instalments in which they will repay it, up to a maximum of 12. For a number of reasons, their 12 monthly instalments may not necessarily run consecutively. Claimants do not incur a penalty if it takes them more than a calendar 12-month timescale to replay their advance.</p><p> </p><table><tbody><tr><td rowspan="2"><p>Age of Claimant</p></td><td><p>Female</p></td><td><p>Female</p></td><td><p>Male</p></td><td><p>Male</p></td><td rowspan="2"><p>Total</p></td></tr><tr><td><p>England &amp; Wales</p></td><td><p>Scotland</p></td><td><p>England &amp; Wales</p></td><td><p>Scotland</p></td></tr><tr><td><p>Under 20</p></td><td><p>2,000</p></td><td><p>500</p></td><td><p>2,000</p></td><td><p>500</p></td><td><p>5,000</p></td></tr><tr><td><p>20-29</p></td><td><p>35,000</p></td><td><p>4,500</p></td><td><p>53,000</p></td><td><p>8,000</p></td><td><p>100,500</p></td></tr><tr><td><p>30-39</p></td><td><p>24,000</p></td><td><p>2,500</p></td><td><p>43,500</p></td><td><p>6,000</p></td><td><p>76,000</p></td></tr><tr><td><p>40-49</p></td><td><p>15,500</p></td><td><p>2,000</p></td><td><p>24,000</p></td><td><p>3,500</p></td><td><p>45,000</p></td></tr><tr><td><p>50-59</p></td><td><p>12,000</p></td><td><p>1,500</p></td><td><p>16,000</p></td><td><p>2,000</p></td><td><p>31,500</p></td></tr><tr><td><p>60+</p></td><td><p>2,500</p></td><td><p>500</p></td><td><p>3,500</p></td><td><p>500</p></td><td><p>7,000</p></td></tr><tr><td><p>Total</p></td><td><p>90,500</p></td><td><p>11,000</p></td><td><p>142,000</p></td><td><p>21,000</p></td><td><p>264,500</p></td></tr></tbody></table><p> </p><p>Note:</p><p>This data has been sourced from internal management information and has not been quality assured to the usual standards for public release. It should therefore not be compared to any other similar data subsequently released by the Department.</p>
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-05-20T15:48:29.683Zmore like thismore than 2019-05-20T15:48:29.683Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter
1126937
star this property registered interest false more like this
star this property date less than 2019-05-15more like thisremove minimum value filter
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, pursuant to the Answer of 8 May to Question 249846, whether she has made an assessment of the feasibility of a claimant living with a 40 per cent reduction in their universal credit payment; and if she will make a statement. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 254732 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-05-24more like thismore than 2019-05-24
star this property answer text <p>The Department has taken a number of steps to ensure that advances meet the needs of claimants and that recovery arrangements are personalised and reasonable. From October 2019 we are reducing the maximum rate of deductions to 30 per cent of standard allowance and from October 2021 we are increasing the maximum recovery period for advances from 12 to 16 months.</p> more like this
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-05-24T13:07:43.513Zmore like thismore than 2019-05-24T13:07:43.513Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter
1126940
star this property registered interest false more like this
star this property date less than 2019-05-15more like thisremove minimum value filter
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, pursuant to the Answer of 5 May 2019 to Question 249847, what information her Department holds on the proportion of universal credit claimants who have (a) requested a reduction in their deduction and (b) received a reduction in their deduction. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 254733 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-05-20more like thismore than 2019-05-20
star this property answer text <p>The information requested is not readily available and to provide it would incur disproportionate cost.</p> more like this
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-05-20T15:48:07.797Zmore like thismore than 2019-05-20T15:48:07.797Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter
1126941
star this property registered interest false more like this
star this property date less than 2019-05-15more like thisremove minimum value filter
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, pursuant to the Answer of 5 May 2019 to Question 249847, what assessment of a universal credit claimant’s financial situation is made when calculating what percentage of their payment will be deducted in order to repay an advance. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 254734 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-06-03more like thismore than 2019-06-03
star this property answer text <p>The maximum amount a claimant can receive as a new claim advance payment is 100 per cent of their total indicative Universal Credit award. The claimant can decide the length of repayment period when they request the advance. This can be up to a maximum 12 months. The rate of repayment is decided by dividing the total advance amount by the agreed repayment period.</p><p>Affordability is managed by ensuring the recovery rate is not more than the equivalent of 40 per cent of the standard allowance and help is available for those struggling to meet the recovery rate once recovery begins. In many cases, because claimants choose to repay advances over many months, advance repayments constitute less than 40% of a standard allowance. In exceptional circumstances, recovery can be deferred for up to 3 months from the start of the recovery period.</p><p>Advances are not loans; they are an interest free advance payment of benefit, available to help people who need immediate financial support, which is then recovered over an agreed period. The Department has taken a number of steps to ensure that advances meet the needs of claimants and that recovery arrangements are personalised and reasonable. From October 2019 we are reducing the maximum rate of deductions to 30 per cent and from October 2021 we are increasing the maximum recovery period for advances from 12 to 16 months.</p>
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-06-03T13:51:25.467Zmore like thismore than 2019-06-03T13:51:25.467Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property previous answer version
119076
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property answering member
4014
unstar this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter
1129153
star this property registered interest false more like this
star this property date less than 2019-06-03more like thismore than 2019-06-03
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, what information her Department holds on the demographic of (a) universal credit claimants and (b) universal credit claimants that have taken out an advance. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 258968 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-06-06more like thismore than 2019-06-06
star this property answer text <p>Statistics on demographics of those on Universal Credit, including age, gender and postcode area, can be found under the ‘People on Universal Credit’ dataset available at:</p><p><a href="https://stat-xplore.dwp.gov.uk/" target="_blank">https://stat-xplore.dwp.gov.uk/</a></p><p> </p><p>Guidance on how to extract the information required can be found at:</p><p><a href="https://stat-xplore.dwp.gov.uk/webapi/online-help/Getting-Started.html" target="_blank">https://stat-xplore.dwp.gov.uk/webapi/online-help/Getting-Started.html</a></p><p> </p><p>Demographic data on Universal Credit claimants who received an advance is collected but is not published regularly as part of the official statistics. Data relating to advance payments associated with a UC award, rather than individual claimants, can be provided by region, constituency and local authority.</p> more like this
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-06-06T16:00:59.02Zmore like thismore than 2019-06-06T16:00:59.02Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter
1129154
star this property registered interest false more like this
star this property date less than 2019-06-03more like thismore than 2019-06-03
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, how many universal credit claimants have been referred to local consumer debt advice in the last 12 months. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 258969 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-06-11more like thismore than 2019-06-11
star this property answer text <p>The Department does not maintain records on the number of Universal Credit claimants who have been referred to a local consumer debt advice service.</p><p> </p><p>Jobcentre staff have access to information on services and support available in their local area for claimants and will signpost claimants to national and local organisations who provide specialist debt and money management support.</p><p> </p><p>In addition, support is available for Universal Credit claimants via the Money and Pensions Service (MaPS). MaPS will help UC claimants with personal budgeting and money management through its free helpline, printed guides and digital guidance.</p><p> </p><p>For those UC claimants who are in most need of debt advice, MaPS will continue to work with the DWP and other agencies to ensure that they are signposted and referred quickly to local provision – MaPS funds free-to-consumer debt advice in England through a network of providers including StepChange, the Money Advice Trust and Citizens Advice.</p>
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-06-11T15:58:59.99Zmore like thismore than 2019-06-11T15:58:59.99Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter
1129155
star this property registered interest false more like this
star this property date less than 2019-06-03more like thismore than 2019-06-03
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, what proportion of claimants of universal credit have (a) taken out an advance at a 40 per cent deduction rate and have been unable to pay back that advance within 12 months, (b) taken out at advance at a 40 per cent deduction rate and (c) taken out the maximum available advance at a 40 per cent deduction rate. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 258970 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-06-11more like thismore than 2019-06-11
star this property answer text <p>Data showing the proportion of the standard allowance which is being used to repay a Universal Credit (UC) advance which: (a) taken out an advance at a 40 per cent deduction rate and have been unable to pay back that advance within 12 months, (b) taken out an advance at a 40 per cent deduction rate and (c) taken out the maximum available advance at a 40 per cent deduction rate could only be supplied with analysis which would incur disproportionate cost to the Department.</p><p> </p><p>The maximum amount of a UC advance a claimant can access is subject to them being able to repay it over 12 monthly payments at a rate of no greater than 40 per cent of their standard allowance (this will be reduced to 30 per cent from October 2019). However, there are reasons why the advance repayment may not be taken or may be taken at a lower amount from a claimant in any given month, such as:</p><p> </p><p>a. If they have insufficient Universal Credit left in payment, after reductions such as earnings, capital yield and other income are taken into account, then a reduced repayment will be taken or none at all, depending on the amount of UC payment they have left.</p><p>b. If they have a Fraud Penalty or Conditionality Sanction, the repayment of the advance will stop until these end.</p><p>c. If they experience an unexpected financial hardship then they can request a deferral of up to 3 months, during which time they will not make any advance repayments.</p><p>d. If their UC award ends, for whatever reason, they can renegotiate the repayment rate and period with Debt Management who will take into account their new financial circumstances.</p>
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-06-11T14:03:33.453Zmore like thismore than 2019-06-11T14:03:33.453Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter
1129156
star this property registered interest false more like this
star this property date less than 2019-06-03more like thismore than 2019-06-03
star this property answering body
Department for Work and Pensions more like this
star this property answering dept id 29 more like this
star this property answering dept short name Work and Pensions more like this
star this property answering dept sort name Work and Pensions more like this
star this property hansard heading Universal Credit more like this
star this property house id 1 more like this
star this property legislature
25259
star this property pref label House of Commons more like this
star this property question text To ask the Secretary of State for Work and Pensions, pursuant to answer of 20 May 2019 to Question 254733, what information her Department uses to verify the statement that if a claimant is in financial difficulty as a result of the level of deductions being made they can contact the Department to request that a reduction in deductions be considered. more like this
star this property tabling member constituency Birmingham, Selly Oak more like this
star this property tabling member printed
Steve McCabe more like this
star this property uin 258971 more like this
unstar this property answer
answer
unstar this property is ministerial correction false more like this
star this property date of answer less than 2019-06-06more like thismore than 2019-06-06
star this property answer text <p>The Government recognises the importance of safeguarding the welfare of claimants who have incurred debt. Claimants’ circumstances are always taken into account when applying debt repayment thresholds to avoid undue hardship.</p><p> </p><p>Universal Credit already has procedures and regulations in place to protect claimants from excessive deductions. The maximum rate of deductions cannot normally exceed 40 per cent of the Universal Credit standard allowance, and from October 2019 this will be reduced to 30 per cent.</p><p> </p><p>If a claimant is in financial difficulty as a result of the level of deductions, where it relates to benefit debt, a social fund loan or rent arrears, they can request that a reduction be considered. Similarly, if a claimant is having difficulty repaying a benefit overpayment, they can request a reconsideration of the amount that is being taken. Reductions are always based on the individual circumstances of the claimant, rather than the amount of the overpayment, which helps to ensure that a sustainable repayment plan based on affordability is put in place.</p><p> </p><p>The claimant should provide reasonable evidence to support their request. This could include information about the household income and expenditure where hardship is claimed on financial grounds. Where hardship is claimed because either the claimant or a member of their family is seriously ill, they would need to provide supporting evidence to explain how or why recovery would be detrimental to the health or welfare of the claimant or their family.</p><p> </p><p>A Repayment Negotiation Framework based on the individual circumstances of the customer, rather than the size of the debt and repayment period has been developed. This makes the process much simpler, and ensures both on and off benefit customers are treated fairly. This framework is contained within the Benefit Overpayment Recovery Guide which can be found on Gov.uk via the link below. The Repayment Negotiation Framework can be found on page 38, paragraph 5.68.</p><p><a href="https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/616116/benefit-overpayment-recovery-guide.pdf" target="_blank">https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/616116/benefit-overpayment-recovery-guide.pdf</a></p><p><strong> </strong></p>
star this property answering member constituency Reading West more like this
star this property answering member printed Alok Sharma more like this
star this property question first answered
less than 2019-06-06T16:55:08.86Zmore like thismore than 2019-06-06T16:55:08.86Z
star this property answering member
4014
star this property label Biography information for Alok Sharma more like this
star this property tabling member
298
unstar this property label Biography information for Steve McCabe remove filter