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The move to a fixed monthly benefits assessment also looks likely to risk pushing people into debt. Our analysis found that people who lose their jobs could go for over a month with no income at all under the move to fixed monthly assessments,Ferragamo Handbag. This could be even longer if employers struggle to meet the new reporting requirements. A single payment also means claimants lose the labelling of different benefits,Salvatore Ferragamo Bags, which helps people apportion and nudges them towards desirable expenditure,Ferragamo Bag.

And when questioned about the change to Housing Benefit payments,Ferragamo Handbag, which will in future be paid to social tenants rather than directly to the landlord, households were almost universally opposed. One member of the 30 households we interviewed said: "Everyone is going to be in arrears,Ferragamo Handbag. It's just going to end up costing the government more money". Indeed, when Local Housing Allowance -housing benefit for those in the private rented sector - was introduced in a similar way five years ago, a pilot evaluation revealed the rate of arrears increased from 3% to 7%. This change could cost social landlords hundreds of millions of pounds, affecting Housing Association's credit ratings and ability to build more houses.

When Iain Duncan Smith defends the Universal Credit in front of the Work and Pensions Select Committee this afternoon,Ferragamo Bag, most people will focus on the scheme's overall viability,Ferragamo Bag. But even if the Universal Credit does get off the ground, it currently leaves claimants to either sink or swim,Ferragamo Bag. The SMF is proposing that claimants could opt-in to an online budgeting tool where they could request more frequent payments and direct payments to different accounts, even to landlords or childcare providers. This would be a relatively cheap policy that would increases the chances of the Universal Credit succeeding and it would help people on low incomes to help themselves as they grapple with the biggest change to benefits for a generation.

On top of all this, and another Minister - not brave enough to be named but concerned enough not to pull his punches - tells us the scheme is heading for a car crash. none the less brilliant, the urbiciders and the local citizens, as far as the minority of these protesters is concerned.
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