No-fault Benefit Debts — House of Commons, 2022-07-21
Topic: Social Welfare
David Melvyn Linden (Scottish National Party, Centre-left): I am very grateful to have secured this debate, particularly as the last item of business before we rise for the summer recess. Before moving on to the substance of the debate, I would like to take this opportunity to wish everyone in the House, especially the staff, a very happy, peaceful and restful break A number of organisations have been incredibly helpful in briefing me for this debate, including StepChange, the Child Poverty Action Group, the Salvation Army and my local citizens advice bureaux in Easterhouse, Parkhead and Bridgeton Other than housing and asylum, benefits and social security issues make up the largest cohort of my constituency casework. In the five years that I have served in this House, I have seen endless problems with the social security system, which too often is found wanting when it comes to protecting the most vulnerable in our communities The issue I want to hone in on today is no-fault benefit debts. That is not to say that there are not other aspects of our social security system that could do with repair, but in the interests of time I will confine my remarks solely to no-fault benefit debts. I am particularly appreciative of my colleagues in the Child Poverty Action Group, whose early warning system flagged this matter up Let us look at a particular case study that brings a human angle to the issue, rather than focusing on dry regulations, as can often be the case. Jess and Mark have a benefit debt of £600 because they were accidentally paid too much universal credit. The Department for Work and Pensions has acknowledged that it made a mistake when it worked out their entitlement, but it is asking for the money back, and Jess and Mark are legally obliged to pay it. Since they do not have the £600—they thought it was theirs, so they have spent it on essentials for themselves and their two children—the DWP is recovering the debt by taking £80 a month off their universal credit. Jess’s and Mark’s income was already low, and now they simply do not have enough to live on Unfortunately, this issue is becoming a more common concern. There are a few more case studies I would like to draw the House’s attention to. One claimant with a mental health condition has been left with an overpayment because he was accidentally given too much help towards his rent—that is, the wrong local housing allowance rate was applied; he had his young son staying with him but only the minority of the time. He could not have been expected to spot that pretty technical error A lone parent of a 10-year-old with disabilities was overpaid UC through no fault of her own—she received the severely disabled child element of UC when she should have received the disabled child element only. Again, she could not have been expected to spot that; but again, she is liable to repay the difference. A bereaved claimant with diabetes and osteoarthritis was overpaid UC when the DWP failed to act on information that she herself had given them about a private pension she had inherited from her late husband. She is now paying back the overpayment at £48 a month. As of April this year, she still had another 17 months of that left to go No matter how an overpayment of universal credit happened, the Department for Work and Pensions can ask for it back, even when somebody has done nothing wrong and indeed has done everything that could reasonably have been expected of them.