,UNIV]SAL ,CR$IT8 ,UNIV]SAL ,H\SEHOLD ,DEBT 

,PEOPLE 3 

,AU?OR 3 ,AN>*I/ ,COMMUNI/ ,GR\P 

,TEXT 3 

,!RE >E N[ #h#g1 CLAIMANTS = ,UNIV]SAL ,CR$IT1 ! ,GOV]NM5T'S NEW FLAG%IP WELF>E S*EME4 ,BY ! 5D ( #bah ! PLAN IS = EV]Y >EA ( ,5GL& TO BE COV]$ BY ?IS DIGITALLY BAS$ WELF>E S]VICE ?AT ROLLS SIX DIFF]5T JOB-RELAT$ B5EFITS 9TO ONE4 ,IT'S EXPECT$ ?AT #e4#g MILLION H\SEHOLDS WILL BE CLAIM+ ,UNIV]SAL ,CR$IT BY #b#b#c4 ,?IS 9CLUDES ! TRANSF] ( MORE ?AN #b MILLION RECIPI5TS ( ,EMPLOYM5T ,SUPPORT ,ALL[ANCE 7,E,S,A71 SO !RE'S A V]Y LONG WAY TO GO4 

,YET EV5 AT ?IS E>LY /AGE ( ! PROGRAM1 & AFT] SIX YE>S ( TRIALS & PILOTS ) RELATIVELY SIMPLE CLAIMS1 ! BADLY-DESIGN$ S*EME IS CREAK+ & SWAY+4 ,IT'S WORK+ CLASS H\SEHOLDS1 ! POOR1 ! DISABL$ & ! L[-PAID :O >E ALREADY PAY+ ! CO/ ( ?IS FAILURE4 

,AS PR$ICT$ BY WELF>E RI<TS ACTIVI/S1 DEM&S ON FOOD BANKS HAVE 9CREAS$ F\R-FOLD 9 >EAS :]E ,UNIV]SAL ,CR$IT HAS BE5 FULLY ROLL$-\T4 ,! S*EME'S ,I,T SY/EM CAN'T COPE ) EV5 CURR5T LEVELS ( DEM&1 LEAD+ TO UNNECESS>Y MISCALCULATIONS & DELAYS4 ,R5T >RE>S HAVE SO>$ DUE TO CLAIMANTS BE+ =C$ TO WAIT FIVE WEEKS OR MORE = PAYM5TS4 ,=TY P]C5T ( ,U,C CLAIMANTS >E 9 >RE>S1 ! MAJORITY = ! FIR/ TIME 9 !IR LIVES4 ,PRIVATE L&LORDS >E REFUS+ TO ACCEPT ,U,C CLAIMANTS AS T5ANTS4 

,SOME PEOPLE PUT ?IS DISA/] D[N TO WIDE-SCALE MANAG]IAL 9COMPET5CE4 ,WE SAY IT IS A DELIB]ATE POLITICALLY DRIV5 ATTEMPT TO PUNI% & CRIM9ALIZE ! WORK+ POOR4 ,?R\< SO-CALL$ AU/]ITY PROGRAMS WE >E BE+ MADE TO PAY = ! 9T]NATIONAL CRISIS 9 BANK+ F9ANCE ?AT SURFAC$ 9 #bh & WILL RE-APPE> YET AGA94 

,! ,GOV]NM5T HAD TO PR9T AN EXTRA ,G,B,P#e#e BILLION 9 0QUANTITATIVE EAS+0 TO SAVE ITS LORDS & MA/]S 9 CORPORATE F9ANCE FROM ! EFFECTS ( !IR RECKLESS GAMBL+4 ,NOT A S+LE BANK] HAS BE5 PROSECUT$ = ! #bh CRISIS4 ,MO/ ( ! EXTRA PUBLIC MONEY PR9T$ HAS SIMPLY L$ TO MASSIVE 9CREASES 9 H\SE PRICES1 R5TS1 & ! VALUE ( %>ES4 ,V]Y LITTLE HAS F\ND ITS WAY 9TO NEW JOBS & OR EV5 A MODE/ RISE 9 AV]AGE WAGES4 ,9 ! LA/ T5 YE>S ! ,U,K HAS SE5 ! LONGE/ P]IOD ( DECL9+ REAL 9COMES 9 RECORD$ ECONOMIC HI/ORY1 :I* IS BACK TO ! 5D ( ! ,NAPOLEONIC ,W>S4 ,9 CONTRA/1 ! AM\NT ( BONUSES PAID \T 9 ! ,U,K F9ANCE SECTOR LA/ YE> WAS OV] ,G,B,P#a#e BILLION4 

,AS WELL AS CLAIMANTS !MSELVES1 O!R PEOPLE >E />T+ TO TAKE NOTICE4 ,!RE'S ! POSSIBILITY ( *ANGE & RESI/ANCE 9 ! AIR4 ,/ORIES >E APPE>+ 9 ! LOCAL & NATIONAL PRESS VIRTUALLY EV]Y DAY AB\T ,UNIV]SAL ,CR$IT & ITS 9IQUITIES4 ,A ,H\SE ( ,COMMONS ,SELECT ,COMMITTEE IS DESP]ATELY TRY+ TO %ORE UP ! S*EME4 ,9 RESPONSE TO NUM]\S C\RT CASES ! ,D,W,P IS ON ! BACK FOOT1 =C$ TO REPAY SOME CLAIMANTS & MOD]ATE ! RULES = O!RS4 ,GR\PS ( CLAIMANTS & !IR FRI5DS >E B&+ TOGE!R LOCALLY TO HELP ONE ANO!R & PUBLICIZE ! S*EME'S FAILURES4 ,UNITE ! ,UNION & A NUMB] ( ,D,W,P /AFF HAVE FOLL[$ ! LEAD ( ,DISABL$ ,PEOPLE ,AGA9/ ! ,CUTS & >E CALL+ = ,UNIV]SAL ,CR$IT TO BE SCRAPP$4 

,! ,GOV]NM5T CAN F9D 7I4E4 ORD] ! ,BANK ( ,5GL& TO PR9T7 ,G,B,P#e#e BILLION TO SAVE A FEW BANKS4 ,?AT'S MORE ?AN ,G,B,P#g1#e = EV]Y WOMAN1 MAN & *ILD 9 ,BRITA94 ,CLE>LY1 ! GOV]NM5T HAS NO 9T]E/ 9 SCRAPP+ ,UNIV]SAL ,CR$IT & WIP+ \T RECORD LEVELS ( H\SEHOLD DEBT 9/EAD1 NOT UNLESS !Y >E =C$ TO DO ?IS4 

,SCRAP ,UNIV]SAL ,CR$IT6 ,WIPE \T H\SEHOLD DEBT6 

,>TICLE FROM ,JACKDAW #c 

,FROM 3 ,!,AN>*I/,LIBR>Y4ORG4 

,*RONOLOGY 3 
,JULY #h1 #bb 3 ,UNIV]SAL ,CR$IT8 ,UNIV]SAL ,H\SEHOLD ,DEBT -- ,ADD$4 
,JANU>Y #d1 #bbb 3 ,UNIV]SAL ,CR$IT8 ,UNIV]SAL ,H\SEHOLD ,DEBT -- ,UPDAT$4 

 FILE G5]AT$ FROM 3  
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