Universal Credit: Benefits adviser in childcare legal bid

A benefits adviser has launched a legal claim against the government over childcare rules she says have left her thousands of pounds in debt.

Nichola Salvato, a single parent from East Sussex, said she was struggling under Universal Credit, which forces parents to pay upfront for childcare and claim the money back.

She is backed by Save The Children, which says the policy is unlawful.

A government spokesman said they could not comment on an ongoing legal case.

Ms Salvato, 48, who lives with daughter Sofia, 11, in Portslade, said she has been forced to borrow £2,000 from friends, family, and payday loans, to cover the payments.

"The interest on those loans are enormous, the stress is enormous, the worry and the embarrassment," she said.

Universal Credit replaced six other benefits with a single monthly payment for people out of work or on a low income.

Under the rules, parents can claim back up to £646 per month for each child under 16, to fund 85% of their childcare costs.

Hannah Greer, from Save the Children, said the policy is unlawful
Save the Children argue the rules are unlawful, discriminatory, and breach the European Convention on Human Rights.

Hannah Greer, of the charity, said: "People on a low income don't have savings available, so asking them to pay £1,000 or more a month up front without support is a big deal.

"One mum we spoke had to sell her car to pay for her childcare costs.

"The money needs to be available to the parents before they pay the costs."

Ms Salvato said she was proud of her job but wants to set an example for her daughter.

A decision on whether the case can proceed to the High Court is expected within two weeks.

 

For the sake of this you can take a credit card and invest in education on 529 fund as needed

 

And I heard that they recently passed a law on debt forgiveness. Debt forgiveness, which will go to borrowers with total and permanent disability, will be granted automatically using data already available from the Social Security Administration. We took the original loan from another organization https://www.yhdistalaina.com/lainaa-yhteishakijan-kanssa/ and now intend to take another one when my son goes to college. Miguel said this change reduces bureaucracy to make the processes as easy as possible for borrowers who need support.

 

Well, debt amnesty would be a good way out for people who take other people's money and start believing it now belongs to them. First of all you should cease to own assets that not belong to you. It will make you pay back easier. Secondly you can come to https://onlinecasinos367.com/ and review the best Canadian casinos as well as bonuses they provide. Never underestimate the chance of winning money. And finally, get a better-paid job!

 

I have the feeling that she only knows how to demand, I do not receive any payments from the state and work at all. I am white.

 

That's not the point. She borrowed a small amount of money and couldn't pay it back. Under the program, she is required to pay interest, but because of her late payments, she has been assessed a penalty. That penalty can only be taken from a non-working woman's child care allowance money. I would advise her to take the loan to pay off the debt and continue to use the benefit. If she does not do this, she will pay even more, since the state has already compensated her for giving birth to her and not someone else. She already enjoys the benefits.