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To ask the Secretary of State for Work and Pensions, what the maximum amount is which can be deducted for other debts and overpayments from universal credit payments.
To ask the Secretary of State for Work and Pensions, what the maximum amount is which can be deducted for other debts and overpayments from universal credit payments.
Universal Credit is made up of a standard allowance plus any additional amounts that apply, for example for housing or a child. The overall maximum amount that can be deducted for debt repayments from a claimant’s Universal Credit each month is an amount equal to 40 per cent of their Universal Credit standard allowance.
Where requested deductions exceed the 40 per cent maximum, or there is insufficient Universal Credit in payment for all deductions to be made, a priority order is applied, which determines the order in which items should be deducted. ‘Last resort’ deductions, such as rent or fuel costs, are towards the top of the priority order, ensuring that claimant welfare is prioritised, followed by social obligation deductions, such as fines and child maintenance, and finally benefit debt, such as Social Fund loans and benefit overpayments.
There are two exceptions to the overall maximum deduction rate. The first is deductions for current consumption of gas, electricity and water, which do not count towards the overall maximum amount. The second is where a Fraud Penalty or Conditionality Sanction is being applied or an Advance needs recovering. A penalty or sanction takes precedence and an Advance will be recovered once the penalty or sanction has ceased. This is unless the penalty or sanction results in less than the maximum 40% deduction being taken, in which case other deductions (e.g. the Advance) can be taken up to the 40% maximum. ‘Last resort deductions’ (arrears of mortgage interest, rent, service charges, gas or electricity) continue to be taken, even if it means that more than 40 per cent is deducted. This is to protect vulnerable claimants from being made homeless or having their fuel disconnected.
To ask Mr Chancellor of the Exchequer, what steps his Department is taking to assist people with household debt.
To ask Mr Chancellor of the Exchequer, what steps his Department is taking to assist people with household debt.
The Government established the Money Advice Service, which spent just under £49m last year to provide over 440,000 free-to-user debt advice sessions. And we are now creating a Single Financial Guidance Body to ensure consumers get better money and pensions guidance, and debt advice.
The Government is also committed to establishing a six-week breathing space scheme. It published a Call for Evidence on the scheme in October. An amendment to the Financial Guidance and Claims Bill gives the Government the ability to implement the scheme, after receiving advice on aspects of the scheme from the Single Financial Guidance Body.
To ask the Secretary of State for Work and Pensions, what assessment he has made of the potential effect of the roll-out of universal credit on levels of personal debt.
To ask the Secretary of State for Work and Pensions, what assessment he has made of the potential effect of the roll-out of universal credit on levels of personal debt.
The Government has taken a number of steps to reduce the risk of problem debt, including capping payday lending costs and promoting savings.
Within Universal Credit, we also have interest free advances and a system of priority deductions to help claimants who have got into arrears.
What assessment his Department has made of recent trends in the average level of household debt for people in receipt of universal credit.
What assessment his Department has made of recent trends in the average level of household debt for people in receipt of universal credit.
The Government has taken a number of steps to reduce the risk of problem debt, including capping payday lending costs and promoting savings.
Within UC, there are also interest free Advances and a system of priority deductions to help claimants who have got into arrears.
Lords motion to take note of the report of the Financial Exclusion Select Committee on Tackling Financial Exclusion: a country that works for everyone? (HL 132). Agreed to on question. (Part 1 of 2).
Lords motion to take note of the report of the Financial Exclusion Select Committee on Tackling Financial Exclusion: a country that works for everyone? (HL 132). Agreed to on question. (Part 1 of 2).
My Lords, it is a pleasure and a privilege to lead this debate, as it was to chair the Lords Select Committee on Financial Exclusion, a committee proposed initially by my noble friend Lord Kirkwood. The committee published its report just before Easter with a raft of recommendations calling on...
My Lords, it is a pleasure and a privilege to lead this debate, as it was to chair the Lords Select Committee on Financial Exclusion, a committee proposed initially by my noble friend Lord Kirkwood. The committee published its report just before Easter with a raft of recommendations calling on...
I pick up the point made by the noble Baroness about this time of goodwill. At this time of the year—Christmas, Hanukkah, Winter Veil or whatever one wants to call it—a lot of people try to help those who are excluded in society from all sorts of activities. So I...
I pick up the point made by the noble Baroness about this time of goodwill. At this time of the year—Christmas, Hanukkah, Winter Veil or whatever one wants to call it—a lot of people try to help those who are excluded in society from all sorts of activities. So I...
My Lords, it is a pleasure to follow the noble Lord, Lord Patten, and to participate in this debate. I offer my congratulations to the noble Baroness, Lady Tyler of Enfield, for her skilful chairing of the committee and to the formidable committee staff that she drew around her. They...
My Lords, it is a pleasure to follow the noble Lord, Lord Patten, and to participate in this debate. I offer my congratulations to the noble Baroness, Lady Tyler of Enfield, for her skilful chairing of the committee and to the formidable committee staff that she drew around her. They...
My Lords, I rise very briefly on two counts. First, as a member, I must thank the noble Baroness, Lady Tyler, for chairing and guiding the Select Committee so excellently. Secondly, I want to underline what I see as three particularly important issues with which the committee grappled.
My first issue...
My Lords, I rise very briefly on two counts. First, as a member, I must thank the noble Baroness, Lady Tyler, for chairing and guiding the Select Committee so excellently. Secondly, I want to underline what I see as three particularly important issues with which the committee grappled.
My first issue...
My Lords, it was a pleasure to be a member of the Select Committee so excellently chaired by the noble Baroness, Lady Tyler of Enfield. I must also thank all the staff, advisers and clerks who enabled us to pursue such a positive route through the committee’s inquiry. Most of...
My Lords, it was a pleasure to be a member of the Select Committee so excellently chaired by the noble Baroness, Lady Tyler of Enfield. I must also thank all the staff, advisers and clerks who enabled us to pursue such a positive route through the committee’s inquiry. Most of...
My Lords, I join other colleagues in thanking our chair, the noble Baroness, Lady Tyler, for her consistent and enthusiastic chairmanship over many months. It was a pleasure to work with her
and other members of the committee. We were also exceptionally well serviced by our clerks and special advisers,...
My Lords, I join other colleagues in thanking our chair, the noble Baroness, Lady Tyler, for her consistent and enthusiastic chairmanship over many months. It was a pleasure to work with her
and other members of the committee. We were also exceptionally well serviced by our clerks and special advisers,...
Letter dated 18/12/2017 from Baroness Buscombe to Lord Listowel regarding issues raised during the third reading of the Financial Guidance and Claims Bill: how care leavers can access the debt respite scheme, in particular relating to council tax. 2p.
Letter dated 18/12/2017 from Baroness Buscombe to Lord Listowel regarding issues raised during the third reading of the Financial Guidance and Claims Bill: how care leavers can access the debt respite scheme, in particular relating to council tax. 2p.
To ask the Home Secretary, how many people who had debt in excess of £500 were refused leave to remain in the UK in the last three years.
To ask the Home Secretary, how many people who had debt in excess of £500 were refused leave to remain in the UK in the last three years.
We do not publish this specific data, however details of individuals granted Indefinite Leave to Remain in the United Kingdom as a whole can be found as part of published Migration Statistics:
https://www.gov.uk/government/collections/immigration-statistics-quarterly-release
What assessment his Department has made of recent trends in the average level of household debt for people in receipt of universal credit.
What assessment his Department has made of recent trends in the average level of household debt for people in receipt of universal credit.
I will not.
On transferable tax history, I am pleased that the UK Government have committed to changing the tax regime for late-life oil and gas assets. The Minister nods, because he has heard me go on about this on a number of occasions. I welcome the change. I ask him...
I will not.
On transferable tax history, I am pleased that the UK Government have committed to changing the tax regime for late-life oil and gas assets. The Minister nods, because he has heard me go on about this on a number of occasions. I welcome the change. I ask him...
Let us have a general election and we will deliver on those promises.
On Brexit, there is no abating the deep divisions between warring Cabinet Ministers. Within a few hours of the ink drying on the joint statement between the Prime Minister and the European Commission and the agreement to move...
Let us have a general election and we will deliver on those promises.
On Brexit, there is no abating the deep divisions between warring Cabinet Ministers. Within a few hours of the ink drying on the joint statement between the Prime Minister and the European Commission and the agreement to move...
The hon. Gentleman’s talk of bills reminds me that the Labour party has made a massive number of pledges and wants to go on a borrowing binge, but 22 times it has failed to explain how it will fund those pledges. It has gone from “You don’t need a number”...
The hon. Gentleman’s talk of bills reminds me that the Labour party has made a massive number of pledges and wants to go on a borrowing binge, but 22 times it has failed to explain how it will fund those pledges. It has gone from “You don’t need a number”...
With the greatest respect, I am not the hon. Gentleman’s research assistant. I refer him to Labour’s proposals in “Funding Britain’s Future”. I know that he can read, so I suggest that he should go and have a look at that document.
The Brexiteers in the Cabinet continue to undermine any...
With the greatest respect, I am not the hon. Gentleman’s research assistant. I refer him to Labour’s proposals in “Funding Britain’s Future”. I know that he can read, so I suggest that he should go and have a look at that document.
The Brexiteers in the Cabinet continue to undermine any...
Was my hon. Friend surprised, as I was, that the Financial Secretary did not mention wages once? He did not mention that real wages will not return to pre-crash levels for almost a decade. Do this Government care about people’s wages?
Was my hon. Friend surprised, as I was, that the Financial Secretary did not mention wages once? He did not mention that real wages will not return to pre-crash levels for almost a decade. Do this Government care about people’s wages?
The answer to the last question is no, they do not. The Budget proved yet again that the Government are completely unable and unwilling to recognise the challenges that the country faces. The Chancellor and the Prime Minister are instead more concerned about sorting out the Democratic Unionist party and...
The answer to the last question is no, they do not. The Budget proved yet again that the Government are completely unable and unwilling to recognise the challenges that the country faces. The Chancellor and the Prime Minister are instead more concerned about sorting out the Democratic Unionist party and...