Recent figures have shown that Homelessness has risen by a third between 2016-2019; and has doubled in London.
Around 4,751 people were estimated to be sleeping rough on any one night in England in 2017 = this Is of increase of 169% since 2010.
30% of children are classed as living in poverty in the UK in 2018.
According to DWP figures, 20 million people were claiming benefits in the last quarter of 2018. 66% of those are over state pension age and 34% of working age.
4.2 Million people claimed Housing Benefit in the last quarter of 2018.
Around 6,180 households had mortgage possession claims made against them in August 2019, an increase of 39% in three months. It’s estimated that in the UK property is repossessed every 90 minutes.
The number of landlord possession orders in the first quarter of 2019 was 23,694 and this resulted in 8,326 repossessions of property.
1 in 7 people in the UK are self-employed, but they earn on average 40% less than company employees. The rise in the cost of living and housing has left lf with worrying levels of debt.
Self-employed people have 36% more debt than those in employment.
The number of homeless Black and Asian families has increased by 20%
From 2010 to 2018 the number of homeless people in temporary housing rose by 61%, due to high rents, cuts to welfare and lack of affordable housing
The average total debt per UK household debt including mortgage debt in 2019 was £59,319. The Average household debt was £15,400 on Jan 2019. Couples with two children on average owe over £19,000 of personal debt. The total cost of families with debt is over £4 billion.
In 2017, UK households saw their annual outgoings surpass their income for the first time in nearly 30 years.
The average credit card debt per household in July 2019 was £2,609
26 years and 7 months is the time to pay off the average credit card debt making only the minimum payment per month
A third of all landlords have had tenants experienced rent arrears in the last year, in total, they’re owed a total of £900 million.
1 in 3 landlords worries their tenants will struggle with payments in the next year.
In the UK people owed nearly £1.6 trillion at the end of June 2018, up from £1.55tn a year ago.
Every day in the UK over 300 Eviction Orders are granted to Landlords.
The total amount owed to both large and small businesses in 2015 was £31.3 Billion
Debt in the farming industry UK risen by a billion over last year – 20% face major financial problems in total debt in the farming industry amounted to 17.5 billion
Around 16 million people in the UK rent their homes and 1 in 4 of them have debt problems
55% of those in rented accommodation have less than £1000 in savings
Tenants are now twice as likely to be in debt as those that own their own homes
In 2015, two-thirds of landlords with tenants claiming housing benefit experienced rent arrears.
More than three million people in the UK are living in a rented property without the landlord’s permission. 3/4 of those have been in the property for more than six months.
Research shows that only one in five requests to sublet is permitted to do so by their landlord. Nearly half of those who sublet their property do so without their landlord’s consent.
Over 40,000 CCJ’s were issued to businesses in England and Wales during the first four months of 2016 the average value exceeding £3,500 with small businesses hardest hit.
The total value of County Court Judgements against businesses in the first half of 2016 was £149 Million
Changes in Universal Credit rules for self-employed people could put them at a significant financial disadvantage. The Minimum Income Floor (MIF) is likely to affect many people, particularly those whose income changes month-to-month, meaning some will lose hundreds of pounds in benefit assistance compared to those directly employed with identical annual earnings.
In April 2018 439,000 people were paid less than the hourly minimum wage they are entitled to, 369,000 were workers aged 25 and over paid less than the National Living Wage (NLW): this equates to 23% of those paid at or below the rate. This is an increase of around 30,000 on the previous year’s level of underpayment of the NLW, or a 2 percentage point rise in the share of workers entitled to the rate. 135,000 people were paid below £7.20 per hour (the 2016 introductory NLW rate). (Report Here)
Shared parental leave and statutory shared parental pay is being introduced for couples expecting a baby or adopting a child on or after 5 April 2015. This replaces additional paternity leave and pay, and offers more flexibility to couples to share the responsibility for the child and protect their income in the first year.
Shared parental leave is available to parents who share the care of a child with husband, wife, civil partner or joint adopter the child’s other parent a partner (living together) – includes same sex couples.
The mother must first meet the qualifying conditions for maternity leave, statutory maternity pay or maternity allowance, and then decide to give it up in favour of shared parental leave and pay. The other parent/partner must also meet conditions about employment and earnings. Opting for shared parental leave allows leave and pay to be split between each person and into up to three separate blocks of leave in the first year. It can also be taken at the same time, allowing a couple more time together with the baby.
Alternatively, statutory maternity leave and statutory maternity pay can still be claimed as before by women who choose to do so, or are lone parents, or whose partner is not in work. Similarly, statutory adoption leave and pay can still be claimed instead of shared parental leave. ‘Ordinary’ paternity leave and pay (1 or 2 weeks in the first 8 weeks after the birth) is not affected by the change, other than now simply being known as ‘paternity leave’ and statutory paternity pay.
Tax credit rules are also amended so that someone receiving shared parental pay, or on shared parental leave for up to 39 weeks, can still be treated as in work, if working immediately before.
More information on shared parental leave is available at www.gov.uk/shared-parental-leave-and-pay
This section summarises recent decisions of the Upper Tribunal; these set a binding precedent on HMRC decision-makers and First–tier Tribunals in similar cases.
HMRC must show reasonable grounds for changing decision
This is another case highlighting HMRC’s poor practice in failing to set out the legal and factual basis for its decisions, and its appalling treatment of lone parents it has accused of living with a partner. In this case, the claimant was originally awarded child tax credit and working tax credit as a single claimant. Nearly a year later, HMRC declared that it had ‘reason to believe’ she was living with an undeclared partner and ended her claim because she ‘failed to provide sufficient evidence to support the validity of her single claim’. The Judge describes HMRC’s flawed logic in basing such a decision on the claimant’s inability to prove a negative, i.e. the failure to provide certain evidence that she is not living with a partner. ‘Astonishingly’, the claimant did send a reply and documentary evidence, which HMRC failed to include with the appeal papers. HMRC went on to take the ‘bold step’ of asking for the appeal to be struck out because the claimant had not provided evidence requested, despite not offering any itself. The Judge makes it clear that:
The outcome of this case was that due to these failures, HMRC’s decision was cancelled, thereby reinstating the claimant’s entitlement.
Read the decision in full: SB v HMRC  UKUT 0543 (AAC)