What have Debt Counsellors, Building Societies, Landlords and Energy Suppliers got in common with Payday Lenders and Catalogue Shopping?

by Gareth Morgan on November 18, 2018

What have Debt Counsellors, Building Societies, Landlords and Energy Suppliers got in common with Payday Lenders and Catalogue Shopping? Answer? They’re all keen on regular payments by their clients and customers and that, in turn, means that they like people who budget. They’re also all likely to suffer because of a Universal Credit design decision. […]

Universal Credit and patterns of earning

by Gareth Morgan on October 12, 2018

Universal Credit is a simpler benefit than the complicated six benefits that it replaces; says the government. It is understood more easily because it matches the way in which most people in work get paid – monthly. Of course not everyone who is actually in work does get paid monthly, so those people who are […]

Tax Credit cuts bad – Universal Credit cuts worse!

by Gareth Morgan on October 20, 2015

Tax credits are very much in the news at the moment, not least because of the powerful appearance on BBC Question Time of Michelle Dorrell with her concern about the personal impact of these cuts. I have recently completed a big exercise, using our Future Benefits Model, looking at the effect of all the announced […]