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Cost of Living Crisis. URGENT action needed.
With the spring budget fast approaching 4in10 are calling on the Chancellor to uprate benefits in line with the Bank of England's February 2022 Monetary Policy Report forecast of 7% inflation.
We know this is not a solution to all poverty by any means and that there needs to be major changes to economic systems and social security in the longer term but it is what we can do to support many of our families now.
We have written to all our members and asked them to take action with tips for engaging local MP's and a sample email for adapting locally.
Please do feel free to use these to contact London MP's in time for them to understand how the cost of living crisis is impacting on their constituents from your experience.
A copy of the letter, tips for engagement and sample email are available here.
Proposals for a new Bill of Rights: what would it mean for children living in poverty in London?
Katherine Hill, 4in10’s Strategic Manager, takes us through the issues:
The story of Human Rights Act (HRA) reform has been a long and somewhat torturous one. Governments of various guises have been consulting on what changes might be needed since the mid-2000s, only a few years after the Act came into force. While the content of these proposals has changed over time the one constant has been that those who have made the effort to respond diligently to each round of consultation have almost unanimously concluded that there is no solid case for reform; the Act is doing the job it was intended to do, effectively defending ordinary citizens against the exercise of excess power or neglect by the state.
Most recently the Independent Human Rights Act Review (IHRAR) set up by the Government to take (yet) another look at the Human Rights Act reported that, “[t]he vast majority of submissions received by IHRAR spoke strongly in support of the HRA.” And the separate but concurrently running inquiry carried out by the cross-party Joint Committee on Human Rights concluded: “[t]o amend the Human Rights Act would be a huge risk to our constitutional settlement and to the enforcement of our rights”. Why, then, has the Government now published proposals for wide-ranging and significant changes to the way the Act works? We all know that evidence-based policy is out of fashion, but this seems to have gone one step further. It is embracing policy in that is in direct contradiction with the evidence. This is policy driven by ideology pure and simple.
At this, the temptation may be to throw up our hands and leave the beleaguered Human Rights Act to the hands of fate. What is the point of repeatedly making the case for it, only to be ignored? There are two reasons. Firstly, we must recognise that the case for effective human rights is one that needs to be constantly remade, it will never be a case of job done. Human rights, if they are to mean anything, must be a statement of collective values, an expression of our shared commitment to freedom, respect, equality, dignity and autonomy for all humans. For these to be transmitted from generation to generation there needs to be ongoing dialogue about them and what they mean in our modern world. Shying away from that conversation leaves the legal mechanisms we have for defending our rights vulnerable to attack.
Secondly, and more pragmatically, if we do not argue and win the case for the Human Rights Act, and these current proposals for reform come into force, ordinary citizens may lose the means to enforce their rights effectively. For those 4in10 exists to advocate with and for, families and children experiencing living in poverty in London, the consequences are potentially very serious indeed.
The proposed reforms aim in multiple ways to make it harder for people to enforce their rights. These include a proposal to introduce of a new step in the legal process requiring individuals to demonstrate that they had experienced “a significant disadvantage” before their case can go to court. Legal action can already only be taken if the individual is the “victim” of a human rights breach, so it is hard to view this as anything other than an attempt to deter people from enforcing their rights by adding a further legal hurdle to the process. This will disproportionately affect those experiencing poverty who are more likely to have their rights breached in the first place. To give just one example, children in the lowest income quintile are 4.5 times more likely to experience severe mental health problems than those in the highest.[1] It follows that some of those are more likely to experience mental health detention too, where their human rights – including the right to respect for private and family life (article 8) and right to liberty and security (article 5) – will be engaged. If children in these circumstances, who already find it very difficult to access justice, have to jump through additional hoops it will further diminish their ability to challenge their detention where they believe it is an unlawful breach of their human rights.
The Government’s proposals would introduce a two-tier system for enforcing human rights by restricting their use in the domestic courts by certain groups, including “foreign criminals” and those accused of illegal migration. This makes a mockery of the values underlying the whole notion of human rights. These are rights that everyone is entitled to enjoy regardless of economic or immigration status, gender, sexuality, disability or anything else. It follows that all should have equal access to the law to enforce them. If they don’t, the impact will be felt most by those on the margins, and especially the poorest children in our society. If the Government is more easily able to deport people without them being able to challenge this on the grounds of right to respect for private and family life (article 8), families may face the sudden loss of their main breadwinner, and children living in already financially precarious situations will be plunged into deeper poverty.
A key issue the Government seeks to address through its plans is that it wants to stop what is termed ‘judicial overreach’, that is the courts getting involved in decisions that are more properly the role of Government and Parliament, accountable as they are to the people. High on the list of things the Government believes it is best placed to make decisions about is the allocation of social and economic resources and it is particularly aggrieved when it thinks the courts seek to interfere in these issues.
The reality is however, that there is little evidence that this is what the courts in the UK are routinely doing. Recent cases that have examined welfare policy have often been unsuccessful, for example a challenge to the two-child limit (which does not allow welfare payments to be made to third and subsequent children) on the grounds that it discriminates against lone parents. The courts found these to be matters on which Parliament has deliberated and struck an appropriate balance. This may be very disappointing for those of us who believe that there should be a wider role for human rights in these matters, and that the right to an adequate income, a safe and warm home and access to healthy food meet basic human needs that should be enforceable whatever the colour of government in town. But it certainly does not support the Government’s argument for the need to curtail the powers of the courts, and the rights of individuals, as is proposed.
Over the longer-term we need to build the case and argue robustly for more comprehensive protection of these important economic, social and cultural in our domestic legal framework, as an essential element of any strategy to eradicate poverty. But first, and most urgently, we need to protect what we already have in the form of the Human Rights Act, as failing to do so will have the greatest impact on those who most need to rely on it.
To find out more about the Government’s plans to reform the Human Rights Act and to find out how you can respond to the consultation visit the British Institute of Human Rights dedicated web pages where you can find lots of easily digestible information and advice.
[1] Gutman, L., Joshi, H., Parsonage, M., & Schoon, I. (2015). Children of the new century: Mental health findings from the Millennium Cohort Study. London: Centre for Mental Health.
4in10 Newsletter 6th Jan 2022
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4in10 Newsletter 09/12/21
4in10 Newsletter with data, reports, research, job vacancies, funding oopportunities and more. To read this issue click here. To receive the newsletter fortnightly straight to your inbox, join 4in10, London's child poverty network. It is completely free and gives advance notice of training and events and much more.
Human Rights Perspective on 'Levelling Up'
4in10 sees poverty as an abuse of human rights. As Nelson Mandela put it:
'Overcoming poverty is not a gesture of charity. It is an act of justice. It is the protection of a fundamental human right, the right to dignity and a decent life. While poverty persists, there is no true freedom.'
Equally Ours have published an excellent, evidence based report written by Belinda Pratten, Levelling Up: Firm Foundations.
Written from an equalities and human rights perspective it covers work, social security, social care, civil society and housing as well as the wider issues of public procurement and investment. A great Christmas holiday read.
Universal Credit Cut. A Letter to MP's
Sutton Voluntary Sector have sent a jointly signed letter to their MP's to detail exactly what the cut to Universal Credit will mean locally. They have suggested sharing it for anyone to adapt to their locality. Thank you to Steve from Sutton CAB for this:
Dear MP's Name
Universal Credit
As you will recall, we have previously exchanged correspondence and had a useful meeting about the ending of the Universal Credit Coronavirus uplift. Over the last few weeks, there has been a lot of media coverage and commentary about the issue. There is a lot of concern among staff and volunteers in Sutton voluntary sector organisations about how the ending of the uplift will impact on Sutton residents. I am writing on behalf of the Sutton voluntary sector organisations listed at the bottom of this letter. We all have concerns about the £20.00 per week reduction in Universal Credit; concerns that recently have been exacerbated by the impending increases in fuel costs and food price inflation.
We would be grateful if you would consider asking the government to reconsider its decision to end the uplift. We hope that the information below, about the impact of the reduction in Sutton and the Universal Credit regulations will be helpful to you.
There were, according to official DWP figures, 15,493 Sutton households ‘on’ Universal Credit as of May 2021..
The government increased the Universal Credit ‘standard allowances’ in 2020 in response to the Coronavirus pandemic. A monthly ‘standard allowance’ is included in the calculation of every UC claim. There are different standard allowances for people for single people, couples and people under and over the age 25. The standard allowances are, as you can see from this table, quite low.
| Standard Allowance | Current Rate | Rate from 6th October 2021 |
| Single under 25 | £344 | £257.33 |
| Single 25 and over | £411.51 | £324.84 |
| Couple under 25 | £490.60 | £403.93 |
| Couple aged 25 or over | £596.58 | £509.91 |
We can illustrate the impact of the Universal Credit reduction with an example calculation. The client is an illustration, but the calculation is based on actual Universal Credit amounts.
The claimant is a lone parent with one daughter aged 14. Her current ‘maximum amount’ of UC for is £694.01 per month (plus housing costs). This maximum amount is comprised of the £411.51 standard allowance and the Child Amount of £282.50.
The claimant works part time. She earns £520 per month (net). The calculation of her UC includes a ‘work allowance.’ She can earn £293 per month without her UC being reduced. She has earnings of £227 over her work allowance. Every £1.00 of earnings over the work allowance reduces Universal Credit by £0.63 – i.e., earnings ‘taper’ UC entitlement at 63%.
The calculation of her UC entitlement compares her maximum UC - £694.01 (plus housing costs) with her income. She is treated as having income of £143.01 (63% of net earnings minus the work allowance). She is therefore entitled to UC of £551 per month, plus housing costs. Child Benefit is paid in addition to Universal Credit.
From 6th October, the claimants maximum Universal Credit is £607.34. This is comprised of £324.84 standard allowance and Child Amount of £282.50. She will then be entitled to UC of £464.33 (plus housing costs). This is a reduction of £86.67 per month.
As you can see from this example, Universal Credit is reduced by £0.63 for every £1.00 of earnings over the work allowance. Only people responsible for a child or people with a limited capability for work have a work allowance. Other people such as those without dependent children and carers (who do not otherwise qualify) do not have a work allowance.
Most claimants cannot therefore make up the £86.67 per month shortfall by working additional hours. If the claimant in the above example increased her working hours and therefore her net pay by £86.00 per month, she would lose £54.18 from her Universal Credit, meaning that she would, despite earning £86 more per month, only gain £31.82 per month - so the claimant can clearly not make up the £86 per month reduction in benefit by earning an additional £86 per month.
Many people in receipt of Universal Credit do not have any realistic way of making up for the £86 per month reduction at all. Some 60% of people in receipt of Universal Credit are not in employment. People may for example have a limited capability for work, be caring for a severely disabled child or adult or be a lone parent with a young child. Some people in receipt of Universal Credit are working full time (and need the benefit to help with rent), so cannot further increase hours and therefore cannot, in any way, make up the reduction. We would like to stress, that even if people can increase their earnings, those earnings will reduce Universal Credit by £0.63 for every £1.00 of earnings.
You can see, from the above table, that the Universal Credit standard allowances are quite modest. The standard allowances are the basic entitlements for single people or couples. Although these allowances are not designed to cover rent or council tax and claimants may also receive amounts for children, caring responsibilities and having a ‘limited capability for work- and work-related activity,’ the amounts are very low when compared to the ‘Standard Financial Statement’ ‘Trigger figures.’
Debt advisers, such as the Citizens Advice Sutton debt team use a Standard Financial Statement. The Standard Financial Statement includes ‘trigger figures’ The trigger figures are pre-agreed levels for certain areas of discretionary household expenditure. The trigger figures help identify levels of monthly expenditure deemed reasonable when completing the statement. Debt advisers do not need to explain the financial statement to creditors unless the trigger figures are exceeded.
The Universal Credit amounts are inadequate to allow claimants even the trigger figure amounts of discretionary expenditure. The Standard Financial Statement ‘allows’ a single adult to spend a total of £666 per month on ‘discretionary’ items – communications / leisure and groceries etc. However, the Universal Credit Standard Allowance for a single adult (over 25) is currently only £411.51 per month and is due to decrease to only £324.84 per month.
The Standard Financial Statement ‘allows’ a single adult with a dependent child to spend a total of £885 per month on ‘discretionary’ items. However, a single parent with one child could receive Universal Credit of no more than £648.59 per month (due to decrease to only £562.92 per month) plus Child Benefit of £21.15 per week. Even including Child Benefit, the family’s income would total only £740.24 per month, decreasing to only £654.57 per month in October.
Furthermore, many people in receipt of Universal Credit have a shortfall between their rent and the amount of housing costs included in their UC calculation – the Local Housing Allowance only covers the 30th percentile of local rents.
A very high proportion of Citizens Advice Sutton debt advice clients are in receipt of Universal Credit and have a ‘deficit budget’ – in other words, their incomes are inadequate to cover even essential expenditure such as rent, utilities and food.
We understand that the government introduced the £20 per week uplift as a temporary measure, in response to the pandemic. However, many people need to claim Universal Credit for the long term. As we have said above approximately 40% of Universal Credit claimants are in employment and need Universal Credit to help pay rent. Many of these people have not seen any improvement in their situation since the introduction of the uplift – in fact their financial positions may have deteriorated due to rising food costs and will deteriorate further with increases in fuel costs. The Citizens Advice Sutton debt team has seen an increase in demand in recent months.
We hope that this information is helpful to you. We would be grateful if you would ask the government to reconsider their decision to end the Universal Credit uplift – a decision that will have significant adverse financial consequences for over 15,000 London Borough of Sutton households.
Yours sincerely
LONDON CHALLENGE POVERTY WEEK: WHAT'S ON
Between the 11th and 17th October 4in10 hosts London Challenge Poverty Week.
There are events and activities planned all over London and online. Check out the LCPW website for full details and get involved!
Examples include:
The London Poverty Summit talking place in person on Thursday 14th October .30 - 5.30.
Barking and Dagenham Youth Dance - Interpreting what poverty means to families and young people. Online throughout the week.
JustFair and Social Rights Alliance Webinar – Using Human Rights As A Tool To Tackle Poverty. Monday 11th October 13:00 – 15:00
Newham Social Welfare Alliance and Anti-Poverty Alliance and the Commission for Social Security both have online events planned for Wednesday 13th October.
During London Challenge Poverty Week, Lewisham Local are running five online food-growing related workshops for families to tackle holiday hunger and encouraging visits to some of the wonderful community gardens in the borough.
And on Monday 11th and Sunday the 17th Join ATD 4th World in both in person and online poetry events.
For a full list of what is on and to keep updated visit https://londonchallengepovertyweek.org.uk/whats-on/
#KEEP THE LIFELINE - Day of Action 17th August
Let's make as much noise as we can to show opposition to the cut to Universal Credit and what it will mean.
One Conservative MP has said he has heard no concerns about this from his constituents. Let's change that. They should not be able to say they don't know of any impact from this decision.
Save the Children Fund have come up with some really useful resources:
- Web page with info for UC & WTC claimants & writing to their MP
- Web page with info for legacy benefit claimants & writing to their MP
- Web page for supporters with write to MP instructions
- A ‘Campaign guide’ - a guide for smaller organisations or leaders who are keen to get involved. It has details of the campaign, links to assets, write to MP guidance and suggested tweets.
The aim on the day is to:
- Raise awareness of the cut & how it will impact families
- Create a twitter buzz that ideally trends
- Create a space for claimants and people working with them to share how the cut will affect individuals
- Encourage MPs to show their public support
- Generate media coverage
To generate as much social media and media action as possible it would be great if we could all tweet our support and share with others about the day and call to action.
With that in mind it would be great to let as many people in your networks know about the day of action and encourage and raise as much awareness of the planned cuts.
The more people make a fuss then the more pressure on the Government to U-turn.
Suggested tweets below but please do feel free to use your own their own with the hashtags #keepthelifeline
Tweet One
The £20 increase has been a lifeline for those both in and out of work. If this is cut, even more children will be pushed into poverty and hardship. #KeepTheLifeline
Tweet two
Millions have relied on the £20 UC top up to buy food and essentials. If this is cut, even more children will be pushed into poverty and hardship. UK government to listen to the growing number of voices expressing support, and abandon plans to cut UC. #KeepTheLifeline
Tweet three
Millions of key worker families who have kept the country going throughout the crisis will be hit very hard by the forthcoming cut to Universal Credit. This isn’t right! join the growing number of voices urging the Government to #KeepTheLifeline
What can you do?
- Tweet on the day about the KTL campaign using the hashtag #keepthelifeline
- Ask your networks (members, allies, supporters) to tweet on the day using the hashtag #keepTheLifeline
- Ask Conservative MPs and high-profile supporters to tweet out their support using the hashtag #keepthelifeline
Thanks to Joseph Rowntree Foundation for coordinating the campaign and to all the organisations involved. Let's get this stopped!