Source document: https://docs-lawep.s3.us-east-2.amazonaws.com/1697634524721.pdf (Australia)
Senate Inquiry Cashless Debit Card Transition Dear Senate Inquiry Committee Re: Cashless Debit Card I am a female residing in regional Darwin (Rural).

I am in receipt of the DSP.

I have complex medical issues comprising 1.

Mobility agility endurance impairment 2.

Spinal fusion 3.

Ankle ligamentous injury 4.

Osteo arthritis 5.

Anxiety adjustment disorder with depression and agoraphobia 6.

Degenerative spinal and neck injury 7.

Right shoulder right Wrist injury 8.


Chronic regional pain syndrome Most of my injuries stemmed from sporting or assaults from my child/teen hood and from an abusive relationship.

car accident which put me on DSP 1996.

My left leg injury from work injury.
2011 I have 2 grown up children and 3 grand children Eldest daughter 1 grand child resides in Brisbane Youngest daughter grandchildren resides in Colorado USA I obtained an Associate Diploma in Applied Science 1993 After my no fault car accident in 1995 the physiotherapist injured my neck in the hydrotherapy pool...I had a long hospital stay from this incident and in 1996 was placed on DSP until 2016 where I was placed on a preclusion period due to a nasty work injury compensation payout until 2018.
Social Security (Administration) Amendment (Income Management to Cashless Debit Card Transition) Bill 2019Submission 55 I was granted DSP in August this year which has allowed me to land on my feet and removed a lot of stressors that I had on Newstart such as homelessness where I was forced to couch surf or live in my car.

Deciding what was more important food or medications and losing my sense of worth where suicidal ideology and tendencies became the norm.
over the years I worked casual jobs and usually had to quit either from work place bullying or insolvency and due to the nature of my impairments...I have not been able to work since 2011 when I sustained a nasty work injury to my leg and ankle.

my concerns re this CDC is the fact that I have never been on any form of Income Management in my life.

I do not indulge in illegal substances alcohol or gambling or any other frivolous thing to mismanage my monetary affairs.
I do not appreciate the bullying name calling such as "those on welfare are bludgers, drug addicts.

alcoholics and chronic gamblers the Liberal Govt has taken upon themselves to impart on the public to further traumatise and negate extreme negative effects from this social national taunt which is deemed as discriminatory demeaning demonizing labelling and branding every on welfare regardless of the effects on those receiving any form of help.
The last time I endured psychological, verbal abuse was many years ago from a narcissist boyfriend .

the stigmatisation brought about by this liberal govt is illegal to state the least.

My mental health has suffered severely from the disgusting taunts from our Prime Minister.

I now have post traumatic stress syndrome due to the stigmatisation where I am now agoraphobic and feel ashamed to let anyone know what and where my income comes from.
The CDC further stigmatises people such as myself and I am confused and bewildered why at 54 years of age I am treated like a child and will be forced onto this psychologically damaging demonizing financial abusive oppressive card.
This severely impacts on my mental health with stress compounded with stress and my anxiety levels are through the roof where I feel constantly ill that my rights to live a life free from harassment discrimination bullying and most of all the freedom of choice to manage and spend my monies as I wish at the places I CHOOSE to shop at.
The restrictions of this card are well documented throughout the media, welfare groups and govt agencies etc that this card is full of flaws and does not work...It has not had the so called desired effects the Govt was hoping for.

Crime is on the increase as those that are substance abusers will go to great lengths to obtain their substance of choice and they don't care who they hurt or the financial impacts from property damage etc.
Social Security (Administration) Amendment (Income Management to Cashless Debit Card Transition) Bill 2019Submission 55 The majority of CL recipients always find and source cheaper products goods and groceries where we use buy swap and sell sites trading posts classifieds markets yard and garage sales thrift and opportunity shops online retailers for goods and services small local business such as mechanics etc to source the cheaper alternatives … my budgeting skills are pretty darn good considering.
this card excludes everyone on it from sourcing and using these and that is NOT very fair that we are forced to use the expensive giant retailers.

I rely heavily on online shopping, paying bills and other expenses.

This convenience has little impact on my impairment and removes the exacerbations of chronic pain upon my person as much as possible.
This card drastically removes not only my rights to freedom of choice but removes my basic right as a person with a disability to live in a manner deemed fit as compared with someone without my disability....and factors in Systemic discrimination including indirect and direct discrimination.
Restricting not just myself but others in my situation with these disabilities gravely affects our living conditions and severely impacts on gross deliberate exacerbations of chronic pain and mental/psychological wellbeing and our quality of life.

HOW FAIR IS THAT!!!

My medical needs are met by specialist who have a speciality within a speciality that all work together for my complex needs...These specialists are not here in the NT.
We only have general specialists and my complex medical needs will suffer from not being able to go to Brisbane or any other capital southern city to get the proper medical assistance I need.

HOW FAIR IS THAT!

My youngest daughter resides in Colorado USA.

My daughter was "stolen" from me in the late 90's I found my daughter on social media in 2010...I met her in the flesh 2016.
My daughter is a substance abuser due to the parental alienation and other abuses she was subjected to as a child.. My daughter is in and out of Jail regularly for petty crime traffic infringements shop lifting non payment of fines etc...My daughter has lost both of my grandchildren to Dept Human Services (DHS).

I support not enable my daughter by assisting with basic needs for her to live...My daughter is not on benefits over there and is doing it tough.
the little bit I send her Social Security (Administration) Amendment (Income Management to Cashless Debit Card Transition) Bill 2019Submission 55 helps her a lot for basic food and hygiene including storage fees as she is homeless.

My daughter will not leave America as she knows that reentry will be impossible and she will never see her children again.
This restrictive card will prevent me from sustaining the meaningful relationship I have with her and alienates my grand children from having a loving relationship with me … I usually try to visit in person as often as I can (I have assistance re my disability at all airports etc)..When my daughter is incarcerated or in a hospital I usually have to leave at the drop of a hat.

This card will deliberately prevent me from maintaining the relationships I have!
I lost out on a relationship when she was a child and now I lose out again!!!

HOW FAIR IS THAT!

I rely on a frequent flyer rewards system to upgrade airline seats or flight costs to maximise my comfort and to minimise as much as possible the impacts on my impairments...This CDC will restrict me from engaging in such a great reward system and from accessing online cheap affordable flights.

HOW FAIR IS THAT!

I have read the Bill being tabled along with the Explanatory Memorandum (EM)..
I have grave concerns about the misinformation and the gross conflicts presented.

One has to ask if this was a deliberate attempt to thwart not just the public as reading a bill is boring and requires legal skills.

However, I am not of legal background and I am not stupid and picked up the inconsistencies and conflicts more or less straight away!!!
When reading the EM the content is flawed as it only focuses on those in the NT and Cape York on Income Management(IM) as being the targets being forcefully transitioned on to this card ...But we know this is not the case as the Bill has clear stipulations that all those on restricted payments including the AGED pension will be triggers to be automatically picked up and placed on this card.
This falls under the section of my understanding vulnerable welfare payments or long term welfare payments under the Social Security Administration Act of 1999.

One only has to look at those people targeted in WA and other trial areas that have been placed on this card they are OVER the age of 35 and my age 50+ that do not have any form of substance abuse or other antisocial or deeming factors to determine whether they come under the IM Regime.
Some of these my age and older have tried unsuccessfully to bring this to the attention of Senators Ministers etc including CL to no avail.

The trigger payments include DSP and Carers which are clearly listed under the CDC Trial definitions...where a trigger payment means a payment that will automatically activate (trigger) participation in the CDC Trial.
Social Security (Administration) Amendment (Income Management to Cashless Debit Card Transition) Bill 2019Submission 55 The other concern is where is the Duty of Care???

as Indue is not a bank as such!

What protections legislations etc are in place when this card malfunctions... As they are not a bank they are exempt from the banking industry regulations etc.
There are so many stressful horror stories out on social media and the media itself how this card has failed so many and increases mental health issues.

Families and individuals are suffering from the flawed failure of this card on their person … for example the card declining for no reason when their are funds available.

People being stranded or cant buy water in remote rural areas.

The social stigma associated with this card continues .
The only people who benefit are the shareholders (the creators of Indue) CEO's .

This card is expensive $12 000 per person to operate which is a backward move where the tax payers dollars are being severely mismanaged and undermined by a mean demonizing cruel govt ..I pay taxes for goods and services and I vote.

People like myself above the age of 35 will fall through the cracks and have no recourse for exemptions which have been made impossible for anyone to exit this Devil card.
This card is nothing more than a controlling devil card which breaches basic human rights Social Security (Administration) Amendment (Income Management to Cashless Debit Card Transition) Bill 2019Submission 55