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1105705
star this property registered interest false more like this
star this property date less than 2019-03-27more like thismore than 2019-03-27
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
unstar 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 assessment she has made of the effect of the five week wait for payment on universal credit on an individual's ability to manage their money. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 237589 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-04-01more like thismore than 2019-04-01
star this property answer text <p><strong> </strong></p><p>No claimant has to go five weeks without receiving support, as advances, worth up to 100 per cent of a claimant’s indicative award, are available up front, if there is a need. Advances are paid back over a period of 12 months and in the Autumn Budget 2018, we announced that from October 2021, the payback period for these advances will be extended further, up to 16 months.</p><p>New Claims are often made as a result of a life event such as losing a job or separating from a partner, and these events can be associated with financial problems. To support our claimants fully at these times, the Department has introduced a number of measures to support claimants before they receive their first Universal Credit award.</p><p> </p><p>Following the Autumn Budget 2017, we have already removed waiting days and are providing an additional 2 weeks of Housing Benefit to eligible claimants to support them when they move to Universal Credit.</p><p>From July 2020, we are introducing a two-week run-on for all those on Employment Support allowance, Income Support or Jobseeker’s allowance who move to Universal Credit and their claim for Universal Credit terminates their existing benefit award</p><p> </p><p>On the 1<sup>st</sup> January 2019, The Money and Pension Service (MAPS) replaced the three existing providers of government-sponsored financial guidance – the Money Advice Service, the Pensions Advisory Service and Pension Wise – which has brought together the provision of debt advice, money guidance and pension guidance for the first time.</p><p>The new body delivers free and impartial financial guidance and a more streamlined service to members of the public providing easier access to the information and guidance.</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 2019-04-01T16:45:26.59Zmore like thismore than 2019-04-01T16:45:26.59Z
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 more like this
1109454
star this property registered interest false more like this
star this property date less than 2019-04-03more like thismore than 2019-04-03
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
unstar 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 assessment her Department has made of the effect of advance repayments of universal credit on the (a) household income and (b) levels of debt among claimants. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 240478 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-04-08more like thismore than 2019-04-08
star this property answer text <p>Advances are not loans; they are an interest free payment benefit advance, 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 the recovery arrangements are personalised and reasonable. In January 2018 we increased the amount available for advances from 50 per cent to 100 per cent of the total award.</p><p> </p><p>From October 2021 we are increasing the recovery period for advances from 12 to 16 months, further supporting those in financial need. Furthermore, if a claimant feels that they are experiencing financial hardship because of the amount that is being deducted from their Universal Credit award, they can ask the Department to consider reducing their deductions. From October 2019, the overall maximum level of deductions that can be taken from a Universal Credit award will be reduced from 40% to 30% of the claimant’s Standard Allowance. The Money and Pension Service also provides debt advice and money guidance to claimants if they need support managing their money.</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 2019-04-08T15:47:41.877Zmore like thismore than 2019-04-08T15:47:41.877Z
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 more like this
1109463
star this property registered interest false more like this
star this property date less than 2019-04-03more like thismore than 2019-04-03
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
unstar 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 1 April 2019 to Question 237589, what the level of uptake has been by universal credit claimants of the guidance services offered by the Money and Pension Service. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 240481 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-04-08more like thismore than 2019-04-08
star this property answer text <p>From January to March 2019 around 9300 individuals visited the <a href="https://www.moneyadviceservice.org.uk/en/tools/money-manager" target="_blank">Money Manager tool for Universal Credit claimants</a>, hosted on the Money Advice Service website.</p><p> </p><p>Additionally, over the same period, The Money and Pension Service money guidance contact centre was contacted around 1100 times regarding Universal Credit.</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 2019-04-08T15:41:22.59Zmore like thismore than 2019-04-08T15:41:22.59Z
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 more like this
1111224
star this property registered interest false more like this
star this property date less than 2019-04-10more like thismore than 2019-04-10
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
unstar 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 8 April to Question 240478 on Universal Credit, in relation to benefit advances taken by universal credit recipients (a) what proportion of claimants have taken an advance, (b) what the average amount of money is that claimants are advanced, (c) what proportion of claimants have taken the maximum advance and (d) what proportion of claimants have been granted 12 months to repay an advance in each year for which information is available. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 243330 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-04-15more like thismore than 2019-04-15
star this property answer text <p>a) Around 60% of new claims take up an advance. Subject to some fluctuation, this rate of advance take-up has been broadly consistent over the last 12 months. This shows that claimants are being made aware of advances and are using it where they need this help.</p><p>b) The average advance amount for new claims is around £400.</p><p>c) Around 70% of advances are taken at the maximum entitlement.</p><p>d) Around 85% of advances are chosen to be repaid over 12 months</p><p> </p><p>Notes</p><p>1. Figures relate to Universal Credit full service only</p><p>2. Figures cover the latest 12 months of data from March 2018 to February 2019.</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 2019-04-15T16:07:16.837Zmore like thismore than 2019-04-15T16:07:16.837Z
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 more like this
1111225
star this property registered interest false more like this
star this property date less than 2019-04-10more like thismore than 2019-04-10
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
unstar 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 April to Question 240478 on Universal Credit, what steps her Department is taking to monitor the (a) levels of debt and b) finances of claimants of universal credit that have received an advance payment. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 243331 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-04-23more like thismore than 2019-04-23
star this property answer text <p>We continue to evaluate Universal Credit as it is delivered. Research and analysis is conducted to assist and inform the evaluation and expansion of Universal Credit, focusing specifically on the effects of Universal Credit on claimants’ behaviours and outcomes. The Universal Credit Full Service Omnibus Survey was published in February 2019, which can be accessed here <a href="https://www.gov.uk/government/publications/universal-credit-full-service-omnibus-survey" target="_blank">https://www.gov.uk/government/publications/universal-credit-full-service-omnibus-survey</a></p><p> </p><p>The Government recognises the importance of safeguarding the welfare of claimants who have incurred debt. Universal Credit already has procedures and regulations in place to protect claimants from excessive deductions. The maximum rate of deductions cannot normally exceed 40% of the Universal Credit standard allowance. 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.</p><p> </p><p>At Autumn Budget 2018 we announced we will reduce the maximum rate at which deductions can be made from a Universal Credit award from 40% to 30% of the standard allowance, from October 2019. Additionally, from October 2021, the recovery period for advances will increase from 12 to 16 months. This will help over 600,000 families to manage their debts at any one point when roll-out is complete, providing them with, on average, £295 extra a year as their debts are repaid over a longer period.</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 2019-04-23T15:15:16.017Zmore like thismore than 2019-04-23T15:15:16.017Z
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 more like this
1111226
star this property registered interest false more like this
star this property date less than 2019-04-10more like thismore than 2019-04-10
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
unstar 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 recent estimate she has made of the number of people claiming universal credit. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 243332 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-04-23more like thismore than 2019-04-23
star this property answer text <p>Our current statistics show that around 1.8 million people are claiming Universal credit.</p><p> </p><p>Statistics on Universal Credit claims can be found under the ‘Claims made to Universal Credit’ dataset available at: <a href="https://stat-xplore.dwp.gov.uk/" target="_blank">https://stat-xplore.dwp.gov.uk/</a>.</p><p>Guidance on how to extract the information required can be found at:</p><p><a href="https://sw.stat-xplore.dwp.gov.uk/webapi/online-help/Getting-Started.html" target="_blank">https://sw.stat-xplore.dwp.gov.uk/webapi/online-help/Getting-Started.html</a></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 2019-04-23T15:39:01.557Zmore like thismore than 2019-04-23T15:39:01.557Z
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 more like this
1111229
star this property registered interest false more like this
star this property date less than 2019-04-10more like thismore than 2019-04-10
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: Private Rented Housing more like this
unstar 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 9 April 2019 to Question 240482, whether there are plans to increase the number of universal credit claimants accessing the Money and Pension service. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 243333 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-04-23more like thismore than 2019-04-23
star this property answer text <p>For Universal Credit (UC) claimants, the Money and Pensions Service (MaPS), will continue to deliver the support previously provided by the Money Advice Service. MaPS will help UC claimants with personal budgeting and money management through its free helpline, printed guides and digital guidance. Since February 2017, work coaches in job centres have signposted thousands of UC claimants to Money Manager, an online budgeting tool to help people as they move onto UC, unless a referral to local, face-to-face support is more appropriate.</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> 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 2019-04-23T15:53:58.617Zmore like thismore than 2019-04-23T15:53:58.617Z
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 more like this
1124349
star this property registered interest false more like this
star this property date less than 2019-05-01more like thismore than 2019-05-01
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
unstar 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 15 April 2019 to Question 243330 on Universal Credit, what proportion of universal credit claimants are unable to pay back the benefit advances they have taken within 12 months of their receipt in each year for which information is available. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 249845 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-05-13more like thismore than 2019-05-13
star this property answer text <p>33% of UC advances which were paid before 5th May 2018, have not been fully repaid as at 5th May 2019.</p><p> </p><p>Advances are not loans; they are an interest free payment benefit advance, 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 the recovery arrangements are personalised and reasonable. From October 2021 we are increasing the recovery period for advances from 12 to 16 months, further supporting those in financial need.</p><p> </p><p>Queries against the current repayment stock are only ever a snap shot in time and therefore the position at the end of each financial year cannot be recreated.</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 2019-05-13T17:00:23.31Zmore like thismore than 2019-05-13T17:00:23.31Z
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 more like this
1124350
star this property registered interest false more like this
star this property date less than 2019-05-01more like thismore than 2019-05-01
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
unstar 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 15 April 2019 to Question 243330 on Universal Credit, what assessment her Department makes of other repayment commitments that claimants may have alongside their obligation to repay a universal credit advance; and whether any such assessments affect the repayment period relating to such advances. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 249846 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-05-08more like thismore than 2019-05-08
star this property answer text <p>The purpose of Universal Credit new claim advances is to provide those in financial need with fast access to a payment to see them through until their first Universal Credit payment is due. Introducing an assessment of claimant’s other repayment commitments would delay this.</p><p> </p><p>Affordability is managed by ensuring the recovery rate will not be more than the equivalent of 40% of their benefit unit’s standard allowance. Help is available for those struggling to meet the recovery rate. In exceptional circumstances, recovery can be deferred for up to 3 months from the start of the recovery period.</p><p> </p><p>Advances are not loans; they are an interest free payment benefit advance, 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 the recovery arrangements are personalised and reasonable. From October 2021 we are increasing the recovery period for advances from 12 to 16 months, further supporting those in financial need.</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 2019-05-08T17:10:20.313Zmore like thismore than 2019-05-08T17:10:20.313Z
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 more like this
1124351
star this property registered interest false more like this
star this property date less than 2019-05-01more like thismore than 2019-05-01
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
unstar 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 number of universal credit claimants that have debts in addition to a universal credit advance. more like this
star this property tabling member constituency Birmingham, Selly Oak remove filter
star this property tabling member printed
Steve McCabe more like this
unstar this property uin 249847 more like this
star this property answer
answer
star this property is ministerial correction false more like this
star this property date of answer less than 2019-05-08more like thismore than 2019-05-08
star this property answer text <p>The Government recognises the importance of safeguarding the welfare of claimants who have incurred debt. Universal Credit already has procedures and regulations in place to protect claimants from excessive deductions. The maximum rate of deductions cannot normally exceed 40% of the Universal Credit standard allowance, and from October 2019, this will be reduced to 30% of a claimant’s standard allowance of their UC award. 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.</p><p> </p><p>Universal Credit (UC) new claim advances provide access to a payment for those in financial need, which can be accessed on the same day, until their first UC payment is due. Claimants can access up to 100% of the total expected monthly award, for which they can pay back over a period of up to 12 months, and in the Autumn Budget 2018, we announced that from October 2021, the payback period for these advances will be extended further, up to 16 months.</p><p> </p><p>Currently there are around 850,000 claimants that have a UC advance repayment in place. Of these claimants, the table below shows 440,000 also have at least one other debt relating to benefit overpayments, social fund loans or previous advances (figures rounded to nearest ten thousand). The data held by the Department does not include other third party debts, for example arrears, utility bills or other borrowing. However, research conducted by Almo’s shows that while many people join UC with pre-existing arears, this fell by a third after 4 months on universal credit.</p><p> </p><p> </p><table><tbody><tr><td><p>Debt Source/Combination</p></td><td><p>Volume</p></td><td><p>Percent</p></td></tr><tr><td><p>Tax Credits only</p></td><td><p>120,000</p></td><td><p>27.31</p></td></tr><tr><td><p>Social Fund only</p></td><td><p>80,000</p></td><td><p>18.29</p></td></tr><tr><td><p>Other Combinations inc Social Fund</p></td><td><p>62,000</p></td><td><p>14.04</p></td></tr><tr><td><p>Other Combinations</p></td><td><p>40,000</p></td><td><p>9.05</p></td></tr><tr><td><p>UC Overpayment only</p></td><td><p>22,000</p></td><td><p>4.94</p></td></tr><tr><td><p>Other Combinations inc UC</p></td><td><p>20,000</p></td><td><p>4.49</p></td></tr><tr><td><p>Other Combinations inc Leg OP &amp; SF</p></td><td><p>18,000</p></td><td><p>4.05</p></td></tr><tr><td><p>Legacy Benefit overpayment only</p></td><td><p>18,000</p></td><td><p>4.04</p></td></tr><tr><td><p>Other Combinations inc Legacy</p></td><td><p>17,000</p></td><td><p>3.89</p></td></tr><tr><td><p>UC Recoverable Hardship Payment</p></td><td><p>10,000</p></td><td><p>2.39</p></td></tr><tr><td><p>Legacy Benefit overpayment and Social Fund</p></td><td><p>10,000</p></td><td><p>2.22</p></td></tr><tr><td><p>Housing Benefit only</p></td><td><p>10,000</p></td><td><p>2.20</p></td></tr><tr><td><p>Tax Credits &amp; Housing Benefit</p></td><td><p>9,000</p></td><td><p>2.05</p></td></tr><tr><td><p>Housing Benefit &amp; Social Fund</p></td><td><p>5,000</p></td><td><p>1.03</p></td></tr></tbody></table><p>Source: DWP internal statistics</p><p> </p><p>Notes:</p><p> </p><p>1. Data has been sourced from DWP internal statistics.</p><p>2. The figures within the data table for those with more than two types of benefit debt have been combined and reported according to whether they have both a legacy benefit (LegOP) and a social fund (SF) debt, either of these singularly or another UC related debt.</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 grouped question UIN 249941 more like this
star this property question first answered
less than 2019-05-08T17:20:03.957Zmore like thismore than 2019-05-08T17:20:03.957Z
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 more like this