Households Below Average Income Statistics

Chris Stephens Excerpts

Thursday 28th March 2019 Commons Chamber

[Amber Rudd]

The right hon. Gentleman has raised that with me before. I am always looking at ways to improve the way we deliver universal credit. I have said that I will look at that, and I will continue to engage with everybody across the House to find ways of improving the delivery of universal credit. I feel that the advances that are available to people on day one when they apply for universal credit are the way to ensure that people have access to money as soon as they need it. That is working well, with over 60% of claimants now taking advantage of it.

[Chris Stephens (Glasgow South West) (SNP)]

But the problem with that answer is that, as the Chair of the Work and Pensions Committee said when he visited the Glasgow South West food bank a couple of weeks ago, people are not taking the advance payment because it is a loan, and they do not want to be in more debt. How much does it cost to administer advance payments, and would it not be better if they were the first payment for all claimants?

[Amber Rudd]

The hon. Gentleman can call it a loan; I can call it an advance. The fact is that it is a way of getting money that will be paid to the claimant to them in advance of the date they would receive it. I do not see it as a loan in the same way. I am looking at ways to ensure that work coaches in jobcentres can position it in the right way, so that claimants do not face it with fear, as he described. I want people to have confidence. This is the money that they will be receiving. If they want to effectively receive 13 payments over 12 months, that is a choice they can make.