Domestic Abuse Bill — House of Lords, 2021-01-27
Topic: Social Welfare
Maeve Christina Mary Sherlock (Labour, Centre-left): My Lords, I am grateful to all noble Lords who have spoken, including my noble friend Lady Lister for a superb introduction, and for all the great speeches. I am grateful too to those who supplied briefings and to DWP Ministers for meeting us The amendments in this group cover four distinct issues, and I shall touch on each. The first is universal credit payments. As we have heard, single household payments actually facilitate financial abuse, because they allow perpetrators to control the entire household income. Claimants can ask for payments to be split but, as my noble friend Lady Lister said, simply asking puts them at risk. Refuge front-line staff say, "It is rarely, if ever, safe for a survivor to request splitting UC payments". That may explain why it is so rare As we have heard, there have been widespread demands from various organisations and committees for Ministers to find a way to separate payments by default. I know that Ministers do not like the idea, partly for operational reasons and partly for the reason mentioned by the noble Baroness, Lady Chisholm, that the vast majority of couples keep and manage their finances together. But, as Refuge, points out, for those experiencing economic abuse, their finances are not managed jointly but controlled by their abuser. And this is not a tiny minority. We have heard today that research from Refuge and the Co-op Bank found that 16% of adults had experienced economic abuse from a partner. That research also found that 39% had experienced abusive behaviours, such as not being allowed access to a joint bank account, or being scared into allowing debt in their name. Given the high numbers flowing on to universal credit in the pandemic, this is urgent Amendment 34, to which I have added my name, would simply place a duty on the commissioner to investigate the payment of universal credit separately to members of a couple and lay a report before Parliament. The noble Baroness, Lady Chisholm, expressed concern that that would be putting an imposition on the commissioner, but I am sure she has noticed that the briefing sent to noble Lords from the office of the commissioner designate actually indicated support for this proposal from my noble friend Lady Lister. So I hope that, on that basis, the Minister will be able to accept it Amendment 150 would exempt domestic abuse survivors from having to repay a benefit advance that is made to mitigate the five-week waiting period for universal credit. As we have heard from many noble Lords, those who flee often take little money and few possessions with them. They normally have to make a fresh claim for universal credit, triggering the five-week wait all over again. My noble friend Lady Primarolo explained compellingly why that is such a problem. We have heard evidence that, on average, the survivors of economic abuse are over £3,000 in debt. In addition, a quarter have had their credit rating suffer as a result. There must be a real risk that survivors who want to flee could be deterred because they know it will be five weeks until the first UC payment. They may already be in debt and worried about getting into any more, and if they take an advance, not only does their monthly income fall below the survival limit, they will have other debts to service out of that. If Ministers do not want to accept this amendment, what do they propose to do to support survivors and enable them to flee abuse with enough money to do so?