Latest Moan From You and Me 2024

Discussion in 'Off-Topic Discussion' started by JWK, Jan 1, 2024.

  1. JWK

    JWK Gardener Staff Member

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    It was only the LibDems who promised compensation for the Waspis which is why they got our vote. Labour never said they would compensate if they got in.
     
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    • shiney

      shiney President, Grumpy Old Men's Club Staff Member

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      When they first brought in Winter Fuel Payment I asked if they could donate my payment to people on benefits instead. They said it would be too awkward to administer that system. So I give it to charity.

      There is also a different payment called Warm Home Discount that goes to people on benefits. This is awarded to people who are in receipt of certain benefits.
      The qualifying means-tested benefits and tax credits are:

      • Income related Employment and Support Allowance (ESA)
      • Income based Jobseeker’s Allowance (JSA)
      • Income Support
      • Universal Credit
      • Housing benefit
      • Child Tax Credits and Working Tax Credits
      • Pension Credit Savings Credit (PCSC)
      I've been looking after someone since 1983 who is very disabled (his father died in 1983and he was one of my employees) and he was receiving the Warm Home Discount which was administered by the power company to whom you pay your bills. This was taken over two years ago by DWP and they stopped his payment. Neither myself nor the MP could get any sense out of DWP about it. All they would say was that it was dependent upon the size of his dwelling and of where he lived. He lives in a small council flat. They couldn't, or wouldn't, explain how they decide who gets it or not. :doh: So I now give him our Winter Fuel Payment.

      This government will take it away from me so he won't get that. I'll have a go at the new MP to see whether he will chase up a proper explanation for his loss of the WHD.
       
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      • Fat Controller

        Fat Controller 'Cuddly' Scottish Admin! Staff Member

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        Thing is, my understanding is that those who are in receipt of pension credit are only so because they are not receiving the minimum state pension - so a single pensioner, only on state pension (like my mother) is not someone who is well off; I could almost sympathise with their approach if the person was sitting on £20k of savings or had various workplace pensions (especially final salary), but there are a great many pensioners who only have the state pension to live off.
         
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        • DiggersJo

          DiggersJo Head Gardener

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          Not sure what your point is?
           
        • Fat Controller

          Fat Controller 'Cuddly' Scottish Admin! Staff Member

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          Reeves is using the receipt of pension credit as being the deciding factor as to whether a pensioner will get the winter fuel allowance or not - the inference is that they are means testing the allowance so it isn't paid to wealthy pensioners. A pensioner can be in receipt of nothing more than basic state pension and they would therefore not qualify - - would you say that they are well off?
           
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          • DiggersJo

            DiggersJo Head Gardener

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            No point of answering a question with a question, just clarify your point! So you are saying the basic state pension (of which we have 2 amounts) means you don't qualify for pension credit? I have no idea as I've not looked at it, you seem to have a better idea, is that so? Either way, I quite agree those on the line are at risk of freezing their bits off in winter...
             
          • Fat Controller

            Fat Controller 'Cuddly' Scottish Admin! Staff Member

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            Those who are in receipt of less than £218.15 per week in pension (perhaps due to insufficient NI contributions due to raising children etc) qualify for pension credit to top their income up to £218.15 per week:
            upload_2024-7-29_23-22-38.png
            Those who do qualify for pension credit will also get the winter heating allowance payment. Those who are in receipt of full state pension of £218.55, will not.

            The inference has been, particularly in the media, that pensioners are "rich" on the basis that they may own their own home, or have loads of private pension incomes. Now, whilst I can accept that there are some pensioners who are very well off (such as my friend who has recently treated himself to a brand new BMW 7-series on the strength of his savings and significant pension income), I would suggest that this is not typical of the majority of pensioners.

            Particularly for single/widowed pensioners who may only be in receipt of £218.15 per week and have to start off by paying council tax at near on £200 per month as a starter for ten. Those are not well off people.

            Reeve's use of pension credit as being the line of demarcation as to whether someone will get the winter fuel allowance or not is abhorrent at best.
             
          • Freddy

            Freddy Miserable git, well known for it

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            National debt is off the scale, currently over £2.5 trillion. Cuts and money raising is inevitable. Maybe you have a better way?
             
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            • RowlandsCastle

              RowlandsCastle Total Gardener

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              My latest moan is that people seem to have more to moan about, than be thankful for.
              :scratch:
               
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              • shiney

                shiney President, Grumpy Old Men's Club Staff Member

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                I agree that cuts are inevitable but the methods of demarcation leave a lot to be desired. There needs to be a lot more thought put into it before rushing out changes that can adversely affect people that should be supported.

                This sort of thing tends to be done by all political parties and this seem to be a quick political dig at the previous incumbents without sufficient information about how they will administer things for exceptions.

                It's quite possible that they do have a way for dealing with the exceptions but haven't announced them. In which case it has been a too hasty announcement.

                I think there needs to be some consultation with organisations that help look after people that are on the bread line.
                 
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                • ViewAhead

                  ViewAhead Head Gardener

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                  The thing about Pension Credit is the cliff edge. If you are £1 below the threshold, you can get hundreds of pounds worth of help. If you are £1 above, you get nothing at all.

                  So, if the cut-off was an income of £100 (say), someone on £99 would have lots of things covered and be much better off than someone with an income of £101, who would be stuck at the point the gov concedes you are in poverty but won't help.

                  Now, I completely understand it is utterly wasteful to give the WFP to all pensioners regardless of means, but having the cut-off so low only really hurts people those who paid enough yrs of NI contributions and have a small amount of savings or a tiny private pension. Surely those are the very people Labour should be on the side of.
                   
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                  • pete

                    pete Growing a bit of this and a bit of that....

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                    Labour was always trashing the tories for their so called austerity.
                    It looks like this is going to be worse.
                     
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                    • ViewAhead

                      ViewAhead Head Gardener

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                      They have also scrapped the idea of a cap on social care costs. Again, who does this hurt the most? Those who own a small home.
                       
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                      • fairygirl

                        fairygirl Total Gardener

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                        The problem is- the systems can't determine who is 'well off' and who isn't. Until there's a totally bombproof system that can accurately do that, it's never going to be perfect. Just like every piece of technology.
                        If someone can invent a piece of tech that can create a sliding scale that takes into account every minute detail of everyone of state pension age, they'd make a fortune themselves. There will always be those who miss out, and those who get payments when they don't need them, in the same way as any other benefit re the way it's determined. Mick Jagger Syndrome, as I like to call it because they often use him as an example of a pensioner who is wealthy. Fill in any other person of your own choice...

                        The only solution is to do what @shiney has very kindly done, and give away your payment if you don't need it. That's been the case for a long time. Unfortunately, that kindness is now impossible to carry on happening.
                         
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                        • pete

                          pete Growing a bit of this and a bit of that....

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                          Do you seriously think that will ever be paid off, its something all new governments seem to prattle on about until they have had the job for a while and then they start adding to it.
                           
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