Household Income

Baroness Meacher Excerpts

Tuesday 10th March 2020 Lords Chamber

[Baroness Stedman-Scott]

My noble friend makes a very important point. I understand all too well that energy costs are an issue for single parents: my niece is a single parent, and the amount she pays for electric on a key is out of kilter with other methods. My noble friend’s point about energy costs is well made. I will go back to the department—they are going to love me when I get back—and then write to him to answer the specifics of his question, placing a copy in the Library.

[Baroness Meacher (CB)]

My Lords, the Minister will be aware of the number of universal credit claimants who commit suicide every year, and of course these are the poorest people in our society. What steps will the Government take to improve the administration of universal credit and reduce the huge stress levels involved in trying to make a claim in the way required at the moment?

[Baroness Stedman-Scott]

Suicide is a terrible thing in any circumstances. We have all been reminded recently of its impact on various groups in our society. I can tell the noble Baroness and the whole House that the administration of universal credit is reviewed on a daily basis. We have a terrific director, Neil Couling, who looks after the system, and I know for a fact that he is trying to do everything he can to simplify the process without losing the administrative needs within it.

Poverty and Human Rights: UN Report

Baroness Meacher Excerpts

Tuesday 25th June 2019 Lords Chamber

[Baroness Corston (Lab)]

My Lords—

[Baroness Meacher (CB)]

My Lords—

[Baroness Thornhill (LD)]

My Lords, I draw the Minister’s attention to recommendation (e) in the report, which I hope is less contentious. It mentions the importance of the Government getting the new fairer funding review correct, as it affects every council’s ability to plan and provide for services for the most vulnerable and poorest in society. Can she update the House on progress with that important review, because at the moment, councils do not know how much funding they will get from 2020, how it will be distributed and the means of delivery?

[Baroness Corston]

My Lords—

[Baroness Meacher]

My Lords—

[Lord Taylor of Holbeach (Con)]

My Lords, I think we ought to hear from the Cross Benches.

[Baroness Meacher]

Thank you, Chief Whip. One of the causes of abject poverty of the most vulnerable is of course the work capability assessment. One of the creators of that assessment has declared it unfit for purpose. It denies severely disabled people benefits when they have no—but no—prospect of work. What plans do the Government have to review the model of the work capability assessment?

[Baroness Buscombe]

I am pleased to report that we are looking at that very point at the moment and are about to carry out a pilot for a much easier work capability assessment, which will mean that people do not have to have repeats or assessments for different things. That is something we are taking on board very seriously.

Universal Credit and Child Tax Credit: Two-child Limit

Baroness Meacher Excerpts

Wednesday 24th April 2019 Lords Chamber

[Baroness Buscombe]

My Lords, a very important point in relation to universal credit is that when somebody is homeless, the first thing our work coaches do—through support, understanding and signposting as necessary—is ensure that that person and their children are properly housed. We then go to the next stage, to see how we can support them to ensure they can manage both in work and in looking after their children.

[Baroness Meacher (CB)]

My Lords, the Minister will be aware that disabled children and their families are particularly penalised under universal credit. Does she accept that the lifelong prospects of those disabled children will be severely damaged by the loss to their families of something like £1,000 a year?

[Baroness Buscombe]

My Lords, I do not accept that disabled children in such families are penalised by universal credit. We spend more than £50 billion a year on benefits to support those with disabilities, including children. Let me be clear: we are making sure we do all that we can to support people, particularly children, through the introduction of the severe disability premium.

Universal Credit

Baroness Meacher Excerpts

Monday 23rd April 2018 Lords Chamber

[Baroness Meacher (CB)]

My Lords, under universal credit, claimants with mental health problems who are waiting for their work capability assessment and who may, therefore, be proved unfit for work, are nevertheless being required to look for work during that waiting period, and will be sanctioned if they fail to do so. Does the Minister accept that this is an entirely unacceptable and grossly unfair system? Will she assure the House today that the Government plan to take action to bring this system to an end? If she cannot do that today, will she write to me to explain what action the Government will take to give fair treatment to mentally ill people waiting for their work capability assessment?

[Baroness Buscombe]

I thank the noble Baroness for her question; I know that she has great interest in this area. As I have said before, we are continually working to improve the work capability assessment. As a result of our Budget announcements last autumn, it is now possible for people to have a 100% advance on their universal credit while they are waiting for that assessment. I emphasise that those with severe disability do not now have to go through further work capability assessments. I assure the noble Baroness that we are constantly looking at this, working to improve the training of our work coaches and all the professionals involved in work capability assessments, to make sure that we minimise the number of people for whom we fall short in terms of support and protection.

Financial Guidance and Claims Bill [HL]

Baroness Meacher Excerpts

Committee: 3rd sitting (Hansard): House of Lords
Monday 11th September 2017 Lords Chamber

[Viscount Trenchard (Con)]

My Lords, I have some sympathy with the amendment moved by the noble Lord, Lord Stevenson, which reflects the concerns expressed by StepChange. I understand that the SFGB is to carry out its commissioning function by setting standards for advice, whereas I think the Bill casts the body in the role of a kind of second regulator. That is also made clear by the amendments of the noble Lord, Lord Sharkey, which deal with the same thing. I worry whether the SFGB will become too like the FCA in terms of its culture. I had understood that it would set the standards which would enable the right partners to be commissioned, but if it has too many powers to act as a regulator, I am concerned that it will become more like the FCA and less sympathetic to consumer concerns.

[Baroness Meacher (CB)]

My Lords, I have added my name to this amendment; I simply want to express my strong support for it, and to endorse the comments made by the noble Lord, Lord Stevenson. I apologise to the Committee because I was unable to be in the Chamber for the debate on the previous group of amendments where again, I had added my name. The debate was important and I hope that we will come back to it on Report.

[Baroness Buscombe]

My Lords, I thank noble Lords for Amendments 57 to 61. Clause 7 requires the single financial guidance body to monitor and ensure compliance with its standards. It requires the Financial Conduct Authority to periodically review the standards, and how the body is monitoring and enforcing those standards. After completing its review, the FCA is required to provide a report for the single financial guidance body and the Secretary of State. Once again, I reassure the Committee that the standards will not apply to all debt advice providers. These standards will apply only to the body itself and its delivery partners.

First, I shall address the Amendments 57 and 59, tabled by the noble Lord, Lord Stevenson. I have made the argument previously that the framework set out in Clauses 6 and 7—for the body to set and monitor compliance with quality standards—is the right mechanism for assuring the quality of the services provided by or on behalf of the body. I refer the noble Lord to our discussion on Clause 6, where we discussed the proposed commissioning framework for the procurement of services. There I made the point that it was unnecessary specifically to require the body to publish a commissioning framework, since we would already expect the new body to publish its requirements and expectations, with adequate time for prospective delivery partners to prepare their propositions. I also pointed out that, when contracts are above a certain value, the body will be required to comply with the public contracts regulations, including the requirements to advertise its requirements and undertake a competitive tendering exercise. We hope that those expectations and requirements on the body meet the spirit of the noble Lord’s amendments.

The noble Lord’s proposed commissioning framework would also have replaced the requirement on the body to set and monitor compliance with quality standards. I made the argument that the standards actually play a different role to a commissioning framework, in that they will assure the quality of the services provided by the body and its delivery partners. The standards therefore play the crucial role of enabling members of the public to have confidence in the services that they receive.

I disagree with my noble friend Lord Trenchard that there is a concern about the possibility of the culture of the FCA becoming similar to the culture of the body—or maybe that would be a good thing. The body would not necessarily be influenced by the culture of the FCA, because it has a statutory duty to put the consumer first, as I said under the last set of amendments.

Financial Guidance and Claims Bill [HL]

Baroness Meacher Excerpts

Committee: 1st sitting (Hansard): House of Lords
Wednesday 19th July 2017 Lords Chamber

[Baroness Meacher (CB)]

My Lords, I apologise for not having been present at Second Reading. I rise to express my support for the generation of this new body on condition that it leads to an increase in resources for front-line services. I particularly support Amendment 41, although I also support the comments made about cold calling.

I am sure I am not alone in receiving endless calls from single mums, in particular, with young children, who are desperate because of their debts which are mounting week by week. We all know the burgeoning use of food banks and the interminable queues at citizens advice bureaux of desperate people seeking help.

The breathing space proposal has cross-party support. It is so obviously badly needed, and urgently so. The fact that 60% of people offered this service were enabled to stabilise their debt and begin working towards solving their problems is surely evidence enough that the introduction of a breathing space programme should not be delayed.

Some 2.4 million children are living in families with problem debt in England and Wales. What proportion of these children’s parents have mental health problems? I suggest that an extremely high percentage of those parents are suffering from depression and anxiety or both, yet the services for these disorders remain inadequate to say the very least. Our mental health services are under huge pressure, and they certainly do not need the addition of more clients because of these horrendous debt problems.

In 50 years or so of being quite close to poverty and unemployment, I have never known a benefits system so harsh, so inclined to sanction claimants and to cut or remove benefits and so limited a level of benefits available to people out of work. It is difficult to imagine that those claimants can avoid debt, even at the best of times, but once debt begins to build, resolution of the problem quickly becomes impossible. I urge the Government to take seriously Amendment 41 and the other amendments in this group.

Benefit Cap

Baroness Meacher Excerpts

Wednesday 22nd February 2017 Lords Chamber

[Lord Henley]

I am sorry the noble Lord does not believe the evaluation that appeared in 2014. A very good evaluation it was, and it produced some very good figures that I do not think the noble Lord himself could question. I have quoted the figures from that evaluation and I will be able to produce further figures in due course when another evaluation appears. However, it is not just about changing the culture, although that is very important; it is also a question, as I am sure the noble Lord will accept, of fairness. We do not think it is right that those in benefit should be receiving incomes higher than those on average earnings.

[Baroness Meacher (CB)]

My Lords, the lower benefit cap is just, of course, one of the many measures that the Government are using to reduce access to welfare benefits, as the Minister indicated in an earlier answer. Another is the repeated assessment of disabled people. Does the Minister believe that it is reasonable to reassess repeatedly people with brain injuries, for example, and life-long disabilities that will prevent them ever getting back to work? Will he assure the House that he will give his personal attention to this matter, with a view to bringing to an end this cruel procedure?

[Lord Henley]

I regret to say that the noble Baroness is going quite beyond the Question on the Order Paper, but I would be more than happy to write to her about that particular issue.

Child Poverty Unit

Baroness Meacher Excerpts

Tuesday 24th January 2017 Lords Chamber

[Lord Henley]

My Lords, the noble Lord asks me to write to him with those figures and I am more than happy to do as I do not have them in my brief.

[Baroness Meacher (CB)]

My Lords, is the Minister aware that, according to the most recent survey, rent arrears are a serious problem for 85% of new universal credit claimants, which is, of course, a disaster for children in those families? What plans does he have to cut the six-week average waiting time for families to get their rent when they claim benefits, change the system of payment in arrears, particularly for rent, and enable tenants to have the rent element of universal credit paid direct to landlords to prevent these debts arising?

[Lord Henley]

My Lords, these matters were discussed at some length during the passage of the then Welfare Reform and Work Bill last year, and I do not want to rehearse all those arguments. However, I can assure the noble Baroness that some 90% of work benefits were paid on time. We accept that there can be problems with delays for some, and we will deal with that where appropriate. I do not believe it is right that we should start paying benefit direct to landlords. Just as people in work have to pay their rent to landlords, it is right that people on benefit should have the same opportunity.

Universal Credit: Rent Arrears

Baroness Meacher Excerpts

Wednesday 13th July 2016 Lords Chamber

[Lord Freud]

I absolutely accept that we need to get it right. I am spending quite a lot of time with the ALMOs. I have had a couple of meetings with Eamon McGoldrick and John Bibby to discuss their findings. It is complicated. The essential fact is that landlords like their money paid in advance and all benefits systems pay in arrears, so we do not know how much of this is what the ALMOs call book arrears and how much is real arrears. We need to get to the bottom of that and we need to get to the bottom of what are the processing and payment systems issues. We need to understand what the existing arrears are. They are much higher than we expected—50%—and that is a frightening fact. We may be looking at a group going into UC which is unusual because it is moving up and down, and we need to understand and quantify those factors.

[Baroness Meacher (CB)]

My Lords, I am grateful to the Minister for commissioning some work on the level of debt, but in view of the impact of rent arrears and other debts on mental and physical health, will the Minister commission a review of the cumulative impact of the benefit cuts since 2010 on the mental and physical health of claimants? If the Minister is moving on to other pastures, perhaps he could leave a note for his successor to commission such a review.

[Lord Freud]

I congratulate the noble Baroness on her timing with that question. I will not answer it. I am not in a position, however, to commission major research on mental health today.

Welfare Reform and Work Bill

Baroness Meacher Excerpts

Monday 7th March 2016 Lords Chamber

[Baroness Meacher (CB)]

My Lords, I do not plan to make a speech; I simply want to put on record the terrible fear that has been conveyed to me by sick and disabled people at the prospect of what we are doing here today. It is very easy for us to sit here, comfortable and secure, and just pass another clause to another Bill—but for these people it is terrifying, and that terror and fear has been conveyed to me. What they face is inevitable debt. They may be people who have not been in debt before; they hate debt and are frightened of it—and of the loss of their homes. As the noble Lord, Lord Low, rightly said, this is a truly black day for these people. That is a glib phrase, some might say, but it is terribly real for people up and down the country.

I, too, applaud the Minister for what he has done to ameliorate in some small ways what I regard as the truly terrible actions of, I would say, the Treasury in imposing these cuts on the most vulnerable people in our society. I just want to pose one question to the Minister. Will he monitor the number of suicides in the year following the introduction of this cut? I am certain that there will be people who cannot face the debts and the loss of their homes and who will take their lives. If the monitoring shows what I believe this cut will do, will he assure the House that he will seriously consider reviewing this action?

[Baroness Deech (CB)]

My Lords, I rise to speak in support of my noble friend Lord Low. Until about a year ago, I was by no means an expert in this field, and I am still not, but I have had the privilege for nearly a year of chairing the House of Lords Select Committee on the Equality Act 2010 and Disability. This afternoon, we have listened to a litany of shameful government actions that will undermine the struggles of disabled people. Disabled people are not “them over there”; any one of us could become disabled tomorrow by an accident or an illness. This applies to all of us; it is not something to be put in a corner. I find it quite shameful that we are removing Motability cars and that we are not carrying out an impact assessment.

My conclusion is that there is nobody in the Commons to champion the rights of disabled people in a holistic manner, and that it falls to this House, which has, fortunately, a good share of disabled people and those who are experts, to do so. I want this House to put on record its dismay, disagreement and disappointment with the way that disabled people are being treated—the very people who are trying to get back to work and trying to be independent. And it could be you, tomorrow.

--- Later in debate ---

I say to the noble Baroness, Lady Meacher, that the monitoring of suicides will not be included in the assessment. It is such a difficult and fraught area. Suicide is always a tragedy and a lot of different reasons are always involved. We look at a number of suicides but on a private basis, as a lot of the information cannot be shared, so that is not a useful approach. I know that because I have looked at this several times as those tragedies have come up.

[Baroness Meacher]

The Minister says that some of this information cannot be given away. Obviously, you cannot give away any personal information. However, if, for example, the suicide rate in that group is 10% or 20% higher in the year after the introduction of this cut than in the year before, it should be perfectly possible to make that information public, and surely it would be highly significant. If the department could issue that sort of figure, I would be very grateful.

[Lord Freud]

We have recently produced a large analysis on this, which I will send to the noble Baroness. That analysis makes it absolutely clear that you cannot make these causal links between the likelihood of dying—however you die—and the fact that someone is claiming benefit. As I say, I will send that analysis to the noble Baroness but I wanted to make that absolutely clear now rather than set hares running.

As regards the point made by the noble Lord, Lord McKenzie, the Secretary of State has been absolutely clear that the impact assessments that we have used provide the most robust analysis that is available. The White Paper will touch on many issues related to health, disability and work, and will cover a lot of new ground which we have not had the chance to debate in the context of these provisions. I commit to taking on board views directly from the group, as a number of noble Lords have requested. We will seek those views, and value them, as we aim to get better outcomes for disabled people and those with health conditions. Therefore, I hope that noble Lords agree that in the context that we are talking about there is no need to test the opinion of the House on this matter. I beg to move.