My pick of last week’s news is the Sun’s undercover video of a Morse’s Club agent completing an income and expenditure for an affordability assessment.
Tweet of the week
In 1977, it seems, my mum got badly overdrawn and tried to get the bank off her neck by writing a poem. More astonishingly yet, it appears the bank… um… wrote one back. Well played, Midland. Well played mum. pic.twitter.com/NJoRnWZErd
— Regular Frog (@FrogCroakley) April 2, 2018
Morses Club agent filmed offering dad of four £300 loan leaving him with £1 a week to live on after payments Sun – watch the video – how NOT to do an affordability assessment.
SMI – what happens if you haven’t agreed to take the loan? SMI as a benefit ended this week – but what about people who haven’t signed up tot he loan… or even heard about it? My article.
Agenda: Scotland’s debt policy system is now broken Herald: “It is now reasonable in my opinion to state the system is broken, incapacitated by funding cuts, but also by laws that have become the victim of “agency capture” by the AIB and are now developed to satisfy institutional needs of slotting everyone into formal solutions that can generate fees, rather than developing a system that benefits the whole of the community.”
Leading lender admits to making series of careless errors in court documents used to try to evict borrowers from their homes Mail: Customers have accused Mortgage Express – the former Bradford and Bingley home loan arm now owned by the Government – of being slapdash in its approach to highly sensitive repossessions.
Using the BRUCE protocol to identify and support customers with mental capacity limitations MAT: At a high level, lenders should ensure that their vulnerability policies take mental capacity limitations into account.
We need to crack down on payday loans – for the sake of our health Guardian: The double whammy of austerity and predatory lending is having a negative effect on the mental health of people in poverty.
Action Direct payment protection insurance claim firm bullies sent me a £400 bill Mail: “The £400 demand you received is not legally a demand at all. It is a ‘pro forma invoice’. This is a document used in some trades to show a price before goods or services are provided. It is not a legal invoice and not a demand for payment. Let us see Action Direct try to enforce that in court.”
Alert: Fraudsters claiming to be bailiffs tricking people into paying fake debts Action Fraud: Over the phone the fraudsters state the debt originates from the victim not paying a magazine advertisement subscription.
HMRC under fire over wrongly issued fines for ‘late’ tax returns FT (£ paywall) : HM Revenue & Customs has been accused of wrongly pursuing individuals for failing to submit their tax returns on time, after cancelling 270,000 late-filing notices in 2016.
In 83 Million Eviction Records, a Sweeping and Intimate New Look at Housing in America New York Times: “An eviction isn’t one problem,” said Amy Woolard, a lawyer and the policy coordinator at the Legal Aid Justice Center in town. “It’s like 12 problems.”
Child poverty: Pale and hungry pupils ‘fill pockets with school food’ BBC: One head said: “My children have grey skin, poor teeth, poor hair; they are thinner.” The detailed report is here: Child poverty and education: A survey of the experiences of NEU members
My bank [TSB] made me feel like a criminal Moneywise: If you’ve never read Franz Kafka’s The Trial, I reckon you should. It tells the tale of K, a man accused of a crime but not told what the crime is.
On the inhumanity and alienation of professional detachment Freedom News: “people book appointments to come and see me for an hour and I tell them there’s almost nothing I can do about their current situation [resulting from domestic violence]. Yes, that’s the council policy. No, they aren’t obligated to do anything else. Sorry, I know it’s shit.”
Suicide of sick mum-of-nine who killed herself ‘because DWP stopped her benefits’ WILL be investigated Mirror: She had been told to attend a health assessment on January 16 last year, but missed it as she was in hospital with a brain cyst and knew nothing of the appointment.
Legal costs halt thousands of domestic violence cases BBC: The National Centre for Domestic Violence told BBC Radio 5 live … too many women were turned away because they appeared to own assets or savings that were actually under the control of their abusers.
Ministers told to expect backlash as millions lose out from universal credit Guardian: Ministers will face a backlash against reform to the benefits system when millions of claimants moving on to universal credit realise their income will be cut, the government’s most senior welfare adviser has warned.