Oral Answers to Questions

Melanie Onn Excerpts

Monday 13th May 2019 Commons Chamber

[Will Quince]

I thank my right hon. Friend for that question. He is a passionate campaigner and supporter of Barnardo’s. The Department and Barnardo’s are developing a small work experience pilot for care leavers in a number of Barnardo’s high street shops. More broadly, the Government aim to use the care leaver covenant to secure 1,000 employment opportunities by September 2021.

[Melanie Onn (Great Grimsby) (Lab)]

Why is the youth obligation failing our young people so badly? More people on the youth obligation are falling out of benefits altogether. They are unable to maintain stability and are unable to go on to seek work.

--- Later in debate ---

[Amber Rudd]

I totally reject the hon. Lady’s approach to this. Universal credit is a welfare benefit system that, overall, is more generous and much more straightforward than the previous system. I wonder whether she has talked to any Members of Parliament who had the experience of having to navigate the six legacy benefits, of three different places to go to, and of annual tax credits. The complications were totally out of proportion compared with the challenges that people sometimes encounter now. Above all, there was the difficulty people had with the 16-hour threshold, where they could not take up new work if they were on a certain amount of benefits. We have reformed the system so that it works for people—it works for families, and it works for people trying to better themselves and get better access to work.

[Melanie Onn (Great Grimsby) (Lab)]

Centrepoint’s evidence to the DWP Committee showed that 96% of the young people it surveyed were not offered a traineeship or work placement if they were still on the youth obligation for six months. Does the Minister think it is worth having a closer look at what more could be done to improve the youth obligation?

[Alok Sharma]

I share the hon. Lady’s desire to make sure the youth obligation support programme works properly. We are looking at extracting information from the system, and I hope shortly to come and report on the findings from that.

Employment and Support Allowance: Underpayments

Melanie Onn Excerpts

Monday 25th February 2019 Commons Chamber

[Sarah Newton]

Of course, we will be contacting people who are concerned, but I reassure everyone in the House that the Department has taken this issue extremely seriously and has undertaken a very thorough review to make sure that everybody who can benefit from being back-paid will receive those back-payments.

[Melanie Onn (Great Grimsby) (Lab)]

Given that fraud and error payments are usually published in official Government statistics together, is the Department planning on making sure that they are published separately so that the public are clear that the error lies with the Government and not with individuals claiming falsely?

Oral Answers to Questions

Melanie Onn Excerpts

Monday 7th January 2019 Commons Chamber

[Guy Opperman]

I agree with my hon. Friend, and I applaud his campaign to “ban the box”. More companies should be like Timpson, which has been an outstanding employer and has conclusively proved that employing ex-offenders is good policy and that they make great employees.

[Melanie Onn (Great Grimsby) (Lab)]

We have been told time and again that people will not be worse off under universal credit, but my constituent is £463 a month worse off after transferring from tax credits in work to universal credit. Is that something the Government are proud of?

[Alok Sharma]

I am happy to look at the individual case that the hon. Lady raises, but I would point out that £2.4 billion was unclaimed under the legacy benefit system, and that is changing under universal credit.

Oral Answers to Questions

Melanie Onn Excerpts

Monday 19th November 2018 Commons Chamber

[Justin Tomlinson]

I would like to take this opportunity to pay tribute to my right hon. Friend the Member for Tatton (Ms McVey), who made it a personal priority of hers to introduce Barnardo’s not only to help train and improve the guidance for all of our frontline staff, but to offer a comprehensive work experience programme and opportunities for care leavers. This is a vital part of our See Potential work, as we unlock their undoubted potential.

[Melanie Onn (Great Grimsby) (Lab)]

What more can be done for constituents such as mine living in YMCA properties who are still going to college, yet cannot afford the bus fare or to feed themselves? That is exactly what has happened to a constituent of mine.

[Justin Tomlinson]

We are looking very carefully at all of the ways that we can make sure care leavers have the same opportunities that others take for granted. For example, through second chance learning, care leavers aged 18 to 22 are still able to access full benefits while having a second opportunity to learn. There is the £1,000 bursary for those who choose an apprenticeship, and the £2,000 bursary for those who choose higher education.

Employment and Support Allowance Underpayments

Melanie Onn Excerpts

Thursday 18th October 2018 Commons Chamber

[Mr Deputy Speaker (Sir Lindsay Hoyle)]

I call Melanie Onn.

[Melanie Onn (Great Grimsby) (Lab)]

Thank you very much, Mr Deputy Speaker; that was unexpected—I thought I was in trouble.

I have to say, I am a little disappointed with the Minister. This is such a sensitive and incredibly important issue; a little more contrition at the Dispatch Box really would not have gone amiss. I am pleased, however, about the Department’s acceptance that where there are errors on its part, back-payments will be made. In that spirit—of accepting the principle of back-payments when errors are made—may I ask whether this will require primary legislation? I asked about kinship carers and back-payments when erroneous decisions had been made by the Department, and I was told that primary legislation would be required to make those back-payments. Is the same true for these ESA back-payments?

The Secretary of State’s Handling of Universal Credit

Melanie Onn Excerpts

Wednesday 11th July 2018 Commons Chamber

[Fiona Onasanya]

I thank the hon. Gentleman for his intervention, but I do not accept his comments. I am seeking to convey my points in this tone because people are at the centre of this discussion. This is not about politics that are devoid of compassion. That would make this place just a debating chamber, and that is not what it is about. We are seeking to help the individuals who need this assistance. People who need help are being told, “We have weighed everything up and we think this is the minimum you need to get by, but we are going to hold that back. We are going to sanction you.” One of my constituents, who is called Holly, contacted the DWP about what she perceived to be an overpayment. The DWP said, “No, there’s no overpayment. You can continue. The money is yours.” It then decided that there had been an overpayment. She has now been sanctioned and is not entitled to any money until she has repaid £1,500. These are the people we are here to talk about.

[Melanie Onn (Great Grimsby) (Lab)]

Would my hon. Friend be surprised to learn that there is a glitch in the system that seems to be putting people into debt? Someone in my constituency has been able to apply for advance payment seven times; because of that glitch, they now have £1,700 of arrears. Is that what the system was designed to do?

[Fiona Onasanya]

I do not believe that that is what the system was meant to do. That is evidently a glitch that needs to be rectified. This goes back to what I was saying about test and learn. If we can see that there is a problem like that, why would we not pause and fix it before continuing the roll-out? It is almost like still driving a vehicle with a punctured tyre—we are running on the rim and the wheel is being damaged, but we keep on going. We need to pause and say, “Hold on, we’ve been made aware of this. We are not just hearing about these problems but listening, and this is what we are going to do. We are going to pause this, and then we will roll it out. That will be more effective.”

Seeking to help people into work is a good thing, not a negative thing, and we want to give people a hand up, not a handout. However, my worry is that we are not properly serving many of the people we are here to serve if we do not stop and say, “Hold on a minute. We hear what you are saying and we are listening.” We should be listening to the disabled individuals who are not getting the money to which they are entitled. We should be listening to the people who find themselves sanctioned and have to live hand to mouth, or to wait weeks to get more money after their electricity has run out. We should say, “We’re listening to that and we don’t want you to be in that position.” No one cares how much we know until they know how much we care. Let us pause the roll-out and fix this.

Personal Independence Payments

Melanie Onn Excerpts

Wednesday 31st January 2018 Westminster Hall

[Melanie Onn (Great Grimsby) (Lab)]

It is a pleasure to serve under your chairmanship, Mr Hosie. I will primarily raise issues around the access to assessments, and I will run through some examples of constituents who have approached me. This is by far the biggest area of casework that I receive in my office.

Mr M’s daughter had a stroke and is partially paralysed. She was expected to get to an appointment 40 minutes’ drive away in Scunthorpe for 9 am. There is no direct bus service so they would have had to have caught the 7.34 am train from Grimsby to get there on time, and they did not know how to get to the assessment centre from the railway station. That all put additional pressure on an older parent who is responsible for somebody who has suffered a stroke.

K has mental health issues and other difficulties, including domestic violence issues that impede her ability to freely leave the house. Despite being advised of those difficulties, requests for a home visit or a local appointment were refused and she was expected to attend in Scunthorpe. C is vulnerable because of her alcohol dependency, alongside her depression and anxiety. She has no means of transport but was expected to attend in Scunthorpe. M has learning difficulties, but no exception for that, or consideration of it, was made. There was no real humanity in dealing with that individual.

Another constituent, J, had a stroke. After parking his mobility vehicle away from the assessment centre, he made the extraordinary effort to walk what is a very short distance but what took him more than 25 minutes, with frequent breaks on the way. Having made that journey and dragged himself to the assessment, he was deemed to be sufficiently mobile not to require his mobility car, which has put enormous pressure on him, his family and his ability to live a normal life. Those are a few examples, but there are more: Hogan, Arnold, Snell, Read, MacDonald, Lamb, Jones, Stewart and Godfrey are just a few of my constituents who have all had barriers placed before them just to get to an assessment.

I have had conversations on this and have had questions responded to, and we managed to get additional assessors in the area. However, issues with appointments, maternity and sickness—the assessors made available were under such pressure with the volume of assessments that they went off sick themselves; I hope they did not have to go through the assessment process, because that would have been a double injustice—mean that we do not have enough assessors in the local area to support the needs of my constituents.

I have been able to assist in some of those cases and resolve some of the issues, but why do these people have to come to their MPs or place enormous stress and strain on other support services, which also have issues with their funding, to receive that advice? Why is the system so complicated? People should not have to come to see me to have these issues resolved.

When the courts ruled that the system was wholly inadequate for those with mental ill health, did that extend to the ability to access the assessment process in the first place? My constituents face not only the physical challenge of their condition but poor public transport links, the removal of Motability vehicles and the cost of alternative transport, such as private taxis. There is also a lack of consideration when those with autism or Asperger’s have to go somewhere different, travel in an unusual vehicle or simply be around other people in crowded environments, or of those who struggle with depression, anxiety or agoraphobia when they are asked to go on unfamiliar routes to unfamiliar places. It is all too much and too overwhelming and it is placing these people under enormous stress. 

I will make one final point, because I know lots of Members want to speak. Surely we deserve a properly resourced assessment centre locally, with more flexibility given for assessors to undertake home visits and support people, rather than to target them.

Universal Credit: Private Rented Sector

Melanie Onn Excerpts

Tuesday 9th January 2018 Westminster Hall

[Stephen Lloyd]

My hon. Friend makes an important point. I think that is something that needs to be considered, particularly as regards the further caps that have come in over the past couple of years. I think those are unsustainable.

[Melanie Onn (Great Grimsby) (Lab)]

Has the hon. Gentleman given any consideration to the issue of 18 to 21-year-olds who are on universal credit and have no recourse to any funding for the housing element? Very often they will be on a lower wage, as obviously the minimum wage for younger people is lower than that for people over 25. There are big issues for the sector and I think it will ultimately end in a rise in homelessness among that group. Does he agree?

[Stephen Lloyd]

I agree. As regards that particular age group—unless they have some sort of bank of mum and dad—in our surgeries we are already seeing that young people are tremendously adversely affected, both by the lack of housing benefit at that age, and, frankly, some of the issues around universal credit.

Another issue that has not been properly addressed, and I would welcome hearing about this from the Minister, is that there is a portal for public sector housing and councils and housing associations to access as regards people in their area, or their tenants, going on to universal credit, but there is not one for the private sector. I urge the Minister not to tell me that there is, if she has been told that by her civil servants, because I have been told by all the residential trade associations that there is not, or it is not working.

At the risk of misquoting Tony Blair, who kept saying, “Education, education, education,” I want to talk about evidence, evidence, evidence. All those years ago, when I and others first challenged the then Secretary of State, the right hon. Member for Chingford and Woodford Green, in the Work and Pensions Committee, saying, “You must understand, if you retain the original plan, which is that all the money goes to the tenant and the tenant pays the landlord, it will be an absolute disaster,” I did not have evidence. I just had a hunch, based on years of experience dealing with thousands of people. I just knew that, as did many others. Where are we now? We are five or six years down the line, and I want to provide some evidence.

In the past 12 months, the RLA reports, one in three landlords has attempted to evict a tenant; 60% were due to rent arrears, and the majority of those were on universal credit. This means not only unnecessary suffering for tens of thousands of housing benefit recipients, but it poses a threat to the future of benefits claimants ever succeeding to rent in the private sector, because once a tenant has a bad record, it is extremely difficult to unwind.

Secondly, a recent study carried out by the RLA shows that almost 87% of landlords would not be willing to let their properties to claimants of universal credit, while 38% have already experienced universal credit tenants going into arrears. Where are we going with this madness? I remind everyone of the percentage of rent arrears among those on universal credit in Northern Ireland. A recent study commissioned by Crisis—a homelessness charity—and the Joseph Rowntree Foundation found that 90% of local authorities were concerned that universal credit would increase homelessness, which it has, because of section 21s. The list of evidence goes on and on.

The RLA has found that 73%—Minister, these are the facts, the stats and the evidence—of its thousands of members,

“lack confidence in renting to tenants on the Credit due to uncertainty that they will be able to recover rent arrears.”

Another major landlords’ trade association, the National Landlords Association, found that only one in five of its members would let their properties to tenants on universal credit. I have already talked about Crisis. The trade association for letting agencies, the Association of Residential Letting Agents, which many hon. Members deal with, found that

“34% of ARLA Propertymark letting agents who we surveyed told us that they had seen a reduction in landlords renting to Universal Credit claimants.”

The list goes on and on, so it is time to fix it.

This is what I propose to the Government. I am delighted that the Chancellor of the Exchequer listened to me, the MP for Eastbourne, and made those amends in the Budget. I suspect that a few others probably had a little more influence than me; but, heck, like all politicians, I have been banging on about it for years so I will take the credit. So there have been some adjustments, but where do we go next? I ask the Minister to report back to the new Secretary of State, with whom I worked in coalition and whom I congratulate on her position, and persuade her to go to the Chancellor and do what it takes to make defaults to landlords, by mutual tenant-landlord agreement, automatic; and to go over to Northern Ireland, see their minority Government colleagues in the DUP, find out exactly what their computer programme does that allows colleagues in Northern Ireland to do automatic default payments, follow their two-week advice—I would do the same on that—and implement it across the country.

I believe that what would happen is that the housing stock capacity in the private sector would go up exponentially—even potentially double—because of what I mentioned earlier. Despite the challenges with tenants sometimes being on benefit, the prejudices that landlords sometimes have against them are often founded on the reality that landlords do not feel secure that they will receive the money. I am absolutely certain that if landlords know that they will get a default payment, over a couple of years there will be a substantial increase in the amount of private rented stock available to people on universal credit, and that could make a significant difference in reducing homelessness.

There is an opportunity for the Government. Despite the ideological and fundamental errors that underpin some elements of universal credit, finally, after years and years of banging on the door, they are beginning to change. Thank heaven! Now that door is open, the Minister and her Government have an opportunity to be game changers and to convert universal credit into what I believe it always should have been: a decent benefit. One of the key things they need to do is around the default payment, which I have debated this morning. Along with that—this is my other favourite—I would go to the current Secretary of the State at the DWP and ask her to have a word with the previous MP for her constituency, the former Chancellor George Osborne, and ask for the £3 billion back. He took that out after 2015, when the Liberals were defenestrated at the election; he slashed £3 billion a year out of universal credit, which was supposed to be about the work allowance.

If we get that money back and properly convert what should be a default payment to landlords, we can produce what universal credit should have been, and was originally designed to be: a progressive, positive benefit that gives people transformative opportunities. After five years of it being a complete car crash in so many ways, I believe that the Government finally understand that. I urge the Government to make my day and, possibly, that of the former Secretary of State, the right hon. Member for Chingford and Woodford Green, and to make automatic payments as a default to landlords. I ask that they to do it instantly, they do it in both the private and public sectors and they do it now.

--- Later in debate ---

[Peter Aldous]

The hon. Lady highlights an example of the problems with implementing universal credit that many of us have experience of from our constituency casework.

[Melanie Onn]

In October, the housing association Shoreline in my constituency had 182 residents who were already on universal credit, and 80% of them were in rent arrears. Such examples create a stigma against people who are on universal credit, because of those issues. Fundamentally, we have to iron out some of those problems to prevent people from getting into arrears and to give private landlords confidence that those people will not be defaulters or bad debtors when paying their rent.

[Peter Aldous]

Yes. It is quite clear that private sector landlords’ confidence in the system has been very severely dented. I sense, from my own perspective, that the situation has improved, but I acknowledge that there is still a great more work to be done. Local letting agents advise me that the majority of their landlord clients are still reluctant to let to universal credit claimants. It is also necessary to bear in mind that many landlords own only one or two properties and the rents that they receive are a very important part of their annual income.

The Eastern Landlords Association, which has 1,400 members, highlights the lack of a level playing field, with council and housing association landlords able to secure direct payments after eight weeks’ arrears, while private landlords need specific tenants’ approval to do so. This is still proving a disincentive to private landlords to let to universal credit claimants; as we have seen, many of them have lost confidence in the system. It highlights the need for better communication with the DWP and describes the system of claiming alternative payment arrangements online as “hit and miss”. It advises that while some claims do get processed, in its experience at least 50% do not get looked at.

The roll-out of universal credit is a mammoth task. There is a lot of heavy lifting to be done, which the DWP cannot do on its own. There is a need for a partnership approach, which should involve private landlords as well as councils, the 1ocal voluntary sector, such as citizens advice bureaux, and housing associations. To give credit to the DWP, under the guidance of my hon. Friend the Member for East Hampshire (Damian Hinds)—perhaps I should say my right hon. Friend; I wish him all the best in his new role—it has begun to adopt such an approach in recent months, and I anticipate that the Minister will continue in the same way. It is important that full consideration is given to the Residential Landlords Association’s recommendations and to the innovative proposals from Crisis to adapt the Newcastle trailblazer for reducing homelessness to ensure that those in receipt of universal credit do not fall into rent arrears.

In Lowestoft, three suggestions have been made. First, in each DWP office, the Government should have a landlord liaison officer for landlords to contact to discuss issues with their tenants’ housing claims, when the landlord has applied for an alternative payment arrangement. Secondly, housing moneys should not be released to a tenant when they are being sanctioned, as they often choose to use the money to support the sanction shortfall. In effect, that means the landlord is penalised. Finally, when a sanction does happen, the housing money should automatically be paid through an alternative payment arrangement to the landlord.

A lot of people wish to speak in this debate, so I will conclude by saying that if universal credit is to be a success and to do what it says on the tin, it is important that the DWP listens to the proposals that I have outlined, as colleagues will too, so that we fully regain the confidence of private landlords, because they have a very important role to play.

--- Later in debate ---

[Tracy Brabin]

Gingerbread is a fantastic charity. In my constituency, a young woman came to me who was being bullied by her landlord in all sorts of ways because of her inability to pay her rent. Single women living with children are incredibly vulnerable to that.

The ending of an assured shorthold tenancy agreement with a private landlord is now the primary reason for families presenting themselves as homeless to the local authority. The pressures on local authority housing could not be more severe. In Kirklees, for example, there are currently 9,700 applications for only 171 properties. It is a priority for all of us to support the private rental sector as universal credit is rolled out, if we want to lessen the burden on local councils. But this problem will not go away any time soon. The number of working households claiming housing benefit in the private sector has more than doubled since 2009, whereas the wages of some of the lowest paid in our society have stagnated. DWP figures confirm that only 7% of private renters are actually unemployed and seeking work. Sadly, although the Joseph Rowntree Foundation found that the private rental sector has grown by a third over the past 12 months, the number of those being evicted has also grown, with 7,200 more private tenants losing their homes in 2015 than in 2003.

[Melanie Onn]

My hon. Friend’s point is incredibly important. The Joseph Rowntree Foundation has been working with the Cambridge Centre for Housing and Planning Research, and they showed that in 2015, 80% of private sector evictions were no fault evictions. That resulted in individuals going to local authorities, but perhaps being considered as people who had made themselves intentionally homeless. Does she agree that that creates a huge difficulty in the system?

[Tracy Brabin]

The idea of people making themselves intentionally homeless is a huge problem for a number of my constituents. It affects their credit rating and rolls on into the rest of their lives in a really unacceptable manner.

The greatest concern for landlords is the move away from direct payments. Many worry that tenants will not have the capability to budget effectively and will end up spending the housing element of universal credit on other essentials. In the debate last year on UC, the Government argued that delaying payment for rent was the same as those in work being paid at the end of the month, so the delay was a good lesson in budgeting and responsibility. Well, maybe for middle-class families with savings or relatives with cash to see them through a tricky financial patch, but when—as the English housing survey discovered—66% of private renters have no savings, the ability to budget is not so straightforward.

After the Budget, the Residential Landlords Association did a snap survey, which found that 36% of landlords would have more confidence in letting to tenants on universal credit. Sadly, 64% said they would not. I suppose their caution is not surprising, given that the RLA reported a high rise in rent arrears where universal credit has been introduced. The National Landlords Association chair agreed, saying that they expected to see

“a steady decline in landlords being willing to rent to benefit claimants in the next 18 months to two years.”

Only 18% to 20% of private landlords accept tenants who pay their rent with local housing allowance. That is down from 46% in 2010-11. Why? Because universal credit encourages tenants to fall into arrears, and 38% of landlords have seen tenants in receipt of UC entering rent arrears. In Kirklees Council—my constituency council—437 claimants are on universal credit, with further roll-outs scheduled for later in the year. Some 82% of those are in arrears, to the tune of seven weeks’ rent on average, whereas before going onto UC, the figure was 5.1 weeks in arrears.

Landlords do not want to evict tenants, because it costs £1,800 to end one tenancy and start another. They want the security of knowing that they will have their rent paid regularly, in a timely fashion. Although bad and greedy landlords have given the sector a bad press, a substantial number of landlords in the private sector are hard-working and understanding. They often have only one property to let out as a contribution to their pension, or as a way of saving for the future. In fact, two thirds of landlords are basic rate taxpayers and are not on high incomes. However, although they are sympathetic to tenants, they know that they too would fall into debt if the rent was not paid.

In conclusion, it is vital that we pause and fix universal credit, ensuring that families are not made homeless due to delays in the system. More widely, we must also increase the number of affordable homes that are available. Only by increasing the numbers of affordable homes being built will we reduce waiting lists, keep rents low and keep families in private rental housing to ease the burden on councils, supporting them to provide excellent social housing for the most vulnerable in our communities.

Oral Answers to Questions

Melanie Onn Excerpts

Monday 18th December 2017 Commons Chamber

[Mr Gauke]

I will certainly consider my hon. Friend’s kind invitation. I agree that a lot of Disability Confident events have been very productive in engaging employers at local level and encouraging them to see the benefits of employing disabled people. The Department for Work and Pensions continues to support local authorities and MPs in holding such events, so maybe I will have the opportunity to attend one in his constituency.

[Melanie Onn (Great Grimsby) (Lab)]

The truth is that this simply is not working. My constituent, Alan, has just graduated with a BSc honours degree in computing technology. He is blind and has a guide dog to assist him, but when he tells prospective employers about this in advance, they just do not take his applications. He has applied for 857 jobs but he has got absolutely nowhere. What is he going to do?

[Mr Gauke]

I am grateful to the hon. Lady for her question. We have undoubtedly made progress in the last few years. We have 600,000 more disabled people in work than was the case in 2010, but there is more to do, which is why the Government have an ambition to increase the number from 3.5 million to 4.5 million over the course of 10 years. It is also why we published our recent Command Paper on the subject. It is really important to bring about a culture change among employers so that people like Alan can have those opportunities.

Universal Credit Project Assessment Reviews

Melanie Onn Excerpts

Tuesday 5th December 2017 Commons Chamber

[Ms Ghani]

I do not accept the hon. Gentleman’s intervention. There are now more people with better opportunities—whether children going to better schools, more working-class kids going to university or people on lower incomes taking more of that income home to support their families. I grew up in a Labour stronghold where I was told repeatedly to know my place, which was to remain on welfare like everybody else in my community. That is why the Conservative party introduced universal credit, and why it is so important that we ensure that it is successfully delivered. Universal credit is founded on the belief that work should always pay, and it encourages people to find work and not stay trapped in the vicious cycle of the benefits system.

The request for the publication of the reports in the motion has been granted. I am, though, a little perplexed about why we need to see reports on assessments from back in 2012 when we have facts and figures that we can rely on today. I hope that the Minister can shed some light on that. Here is what is already in the public domain. Critics should welcome the fact that each person on universal credit is treated as an individual and provided with tailored support, working around their personal needs. For the first time, people have a named work coach. This is the first time that their personal requirements and unique needs are being assessed. It is the first time that their childcare, housing or work support is being assessed. More importantly, this will be the first time that many people from my community have had real support that tackles their needs and supports their aspirations to improve their and their families’ lives. They are no longer just a number to be told to get to the back of the queue.

Let us not forget that the previous welfare system created cliff edges, discouraged people from working for more than 16 hours a week and, most damning of all, trapped 1.5 million on out-of-work benefits for nearly a decade. I challenge anyone who would disagree that those people had been failed by the system.

[Melanie Onn (Great Grimsby) (Lab)]

I have wanted to make a comment for some time, so I am grateful to the hon. Lady for giving way.

On the supposed blocks in the previous system, I have been contacted by constituents who were previously nursing students in receipt of a nursing bursary and, under the old system, tax credits. Because that bursary was not considered an income, they were still able to get tax credits, so they could continue to pay their rent, bills and so on. Now, under universal credit, someone is doing a teaching degree and is in receipt of student finance, which counts as an income, so they are not eligible for any other benefits and they are already three months behind on their rent. Is that a demonstration of somebody being able to move on?

[Mr Deputy Speaker (Mr Lindsay Hoyle)]

The hon. Lady has made a speech; we will have short interventions.