The use of large up-front fees and disproportionate deposits has already resulted in significant cost consequences for one care provider.
"Twelve pilot schemes have been taking place across the UK in order to judge the effectiveness of the Government's proposed Universal Credit scheme. Whereas previously benefits have been paid directly to social landlords, housing benefit payments will now be paid directly to the tenant as part of universal credit.
The intention behind the new system is to give claimants responsibility for their own income. Whilst in theory this is a positive move, local authorities and housing associations need to ensure that tenants are appropriately equipped to manage their finances and are not thrown in at the deep end. The pilots do unfortunately seem to confirm the predictions that there will be a dramatic increase in the level of rent arrears for housing providers.
In the South Wales pilot 50 per cent of the people in rent arrears have never been in debt in this way before, which indicates that many tenants are simply not ready for the transition. With the shortfall estimated to be around £14 million in some areas, this change will have a serious impact, not only on individuals but also across whole communities.
Housing providers have been planning for these changes since the concept of universal credit was introduced and liaising with tenants to minimise the impact of the changes where possible. However the conclusions of the pilot scheme suggest that only once the changes are fully implemented, with the ‘bedroom tax’ taking effect on 1 April and universal credit starting from October, will tenants and housing providers start to see the real impact. Perhaps the challenge is greater than feared …”
The government announced on 16 May that it will provide a fund of £400m to cover the costs of removal and replacement of cladding to high rise residential blocks which have failed tests.
Whilst some people are under the impression that preparing a Lasting Power of Attorney (LPA) is simply a case of completing a form and ticking a few boxes, it is about far more than this.
A big fear for some people facing divorce and the inevitable carving up of the matrimonial assets. They seek assurances that such assets will be “ring-fenced” and retained for them.
Thinking about the legal status of being a cohabitant probably isn’t at the top of the ‘to do’ list.
When an individual is thinking about making a gift to another individual, consideration needs to be given to the Potentially Exempt Transfer (PET) trap.
We are now only a few weeks away from the biggest change to data protection laws in over 20 years. Are you compliant?
The tragedy, in this case, is that there were options readily available to the midwives that they could have used. This was not a case of having to go above and beyond.
Arising from the recent Family Division announcement, people who think they are legally divorced may in fact still be married.
The SCCS has issued providers in the scheme a series of updated and new documents in order to assist with their National Minimum Wage review.
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