Growing concerns over welfare reforms

The Church, charities and political opponents have spoken out over the imminent introduction the latest round of welfare reforms. With the controversial new ‘bedroom tax’ due to be introduced by the Westminster government in just over a fortnight, critics have united to ask the Tory/Lib Dem coalition to think again.

Justin Welby

In an open letter to Work and Pensions Minister Iain Duncan Smith, Archbishop of Canterbury Justin Welby (pictured above) and 43 Church of England bishops wrote on open letter to Work and Pensions Minister Iain Duncan Smith last week, expressing concern that welfare reforms could push as many as 200,000 children into poverty. The churchmen said that benefits caps will hit the most vulnerable people in society and ‘a civilised society has a duty to support the most vulnerable’.

In Scotland, Deputy First Minister Nicola Sturgeon called for the bedroom tax to be scrapped earlier this week, when announcing that extra advice and support will help those who will lose out under UK Government housing benefit cuts like the bedroom tax.

The Scottish Government is providing an extra £2.5 million to social landlords to ensure there is advice on hand for people who will lose housing benefit due to the under occupancy measures and other housing benefit changes being introduced by Westminster.

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Ms Sturgeon said: “I have made the Scottish Government’s firm opposition to the bedroom tax absolutely clear. It is a policy that will penalise some of the most vulnerable people in our society and I put the case for it to be scrapped in the strongest terms to the Deputy Prime Minister when we met in London this week – sadly there appears to be indifference to this argument at Westminster, despite strong opposition from across Scotland.

“We are determined to do everything that we reasonably can to help and as part of these efforts we are making available an extra £2.5 million to social landlords to help them ensure that people affected by housing benefit changes have the advice and support they need. This is on top of the £5.4 million we have already allocated to help those affected by benefit reforms, which will go to organisations such as Citizens Advice.

“This extra support will assist social landlords in their efforts to engage directly with affected tenants and seek to identify ways in which they can deal with the impact of the changes. We are continuing to consider all reasonable steps that we can take to mitigate welfare cuts, including the bedroom tax. However, these unjust policies show why we need the powers of independence to protect vulnerable people rather than simply trying to cushion the blows in Scotland. It would be far better to control benefits and welfare so unfair policies like the bedroom tax are not even considered, let alone implemented.”

Meanwhile North and Leith MP Mark Lazarowicz has produced figures showing that over 5200 people living in Edinburgh’s social rented sector – including nearly 20% of council tenants – will be hit by the ‘bedroom tax’, as they are considered by the government to be living in a home larger than they need or ’under-occupying’, so their housing benefit will be cut to reflect that.

According to the latest figures from Edinburgh City Council, 5,263 Council or social landlord tenants are currently live in a bigger home than the government says they need.

4,529 live in a home with one bedroom more than they are said to need and another 734 tenants live in a home with 2 or more bedrooms more than the government says they should have.

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Nearly one-fifth or 3,851 of the 20,331 Council tenants in the City are likely to be affected – but there are only 27 one-bedroom flats available to rent, either in Council-or housing association property.

In a statement earlier this week, Mr Lazarowicz said: “These figures show just how severe the impact is likely to be in Edinburgh. There is a real danger that people who see their housing benefit cut will fall into either arrears or debt, and in extreme cases may even become homeless. The result of the ‘bedroom tax’ may be that people go from ‘under-occupancy’ to overcrowding, especially if they have to be rehoused in bed and breakfast accommodation.

“It will cause tremendous problems for local councils who will struggle to provide alternative accommodation and to cope with the effect on their finances if tenants fall into arrears or have to be rehoused in more expensive short term accommodation.
“It highlights the desperate shortage of affordable housing both here in Edinburgh and across the rest of the UK but the Government seems to have turned its back on the problem and the people who will be affected by this.”

The Department for Work and Pensions estimates that it will affect 80,000 social housing tenants in Scotland overall or 33% of the total number of housing benefit claimants in the social rented sector in Scotland who will lose on average £12 a week.

There aren’t enough smaller properties available to meet the demand if people have to move and so Citizens Advice Scotland and Shelter Scotland have both highlighted the danger that some people could end up homeless.

The Government has made some late concessions – armed forces personnel and foster carers have now been exempted – but other than that it’s full steam ahead.

Responding to concerns over the welfare changes this week Mr Duncan Smith told MPs the benefits system was “out of control” and simply “giving more and more money” would not help.

Speaking during Work and Pensions Questions in the House of Commons, Mr Duncan Smith said: “”I always listen to everybody who gives me advice. I don’t necessarily follow it. I have no issue with the Church of England, with the bishops, for them to say whatever they believe. It’s quite right and proper. They should try and argue with us and put pressure on us over a number of issues. I simply say that I don’t agree that the way to get children out of poverty is to simply keep transferring more and more money to keep them out of work”.

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He went on: “The reality is what we’re having to do is reform a system that became completely out of control under the last government, get people back in work, for being in work is how you get your children out of poverty. The reality is that we are doing the right thing in bringing in the benefit cap. For the first time ever, people on low and average earnings will realise at last that those on benefits will not be able to be paid more in taxes than they themselves earn.”

The city council’s North Neighbourhood Team is now offering a drop-in service on Wednesdays between 10am-1pm to provide advice and support on a range of services.  Officers from the Rents, Choice, Revenue & Benefits Teams and Neighbourhood Support Service, along with Letfirst and Granton Information Centre staff, will be available.

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Muirhouse gets set for Easter

St Andrew’s Parish Church Easter Club

Once again Muirhouse St Andrew’s Parish Church is offering all youngsters from P1 to P7 a place at their Easter Holiday club.

Lots of fun will be had, children will be able to take part in craft activities, play games, enjoy a story or try solve puzzles. A snack will also be provided.

Running from 1st April until the 5th April

from 10:00 to 12:00 noon.

You must register your child, forms are available from the church and Craigroyston Primary, ot click on the link to the form (below):

https://docs.google.com/viewer?a=v&pid=sites&srcid=ZGVmYXVsdGRvbWFpbnxzdGFtcGNnYmJvMDB8Z3g6MjliNWRmOGQ3ZmVkM2Y2NA

Robert Pearson

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Credit Unions – a local alternative to payday loans

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A couple of news items caught my attention last week. One was about the number of empty shops on high streets and in shopping centres across the country. The economy is still in the doldrums, and people are just not spending. Apparently one in five retail units currently lies empty. It’s not all doom and gloom, however – recessions and depressions bring business opportunities for some, and it’s boom time for pawnbrokers and ‘pay-day loan’ companies. It seems these enterprises are springing up all over the place – perhaps our only growth industry, even.

The other piece of news was the Westminster government’s crackdown on these very same companies – the top fifty have been ordered to get their house in order or face closure by the summer.

The Office of Fair Trading said that the £2 billion a year industry has got to clean up it’s act. OFT Chief Executive Clive Maxwell said: “We have found fundamental problems with the way the payday market works and widespread breaches of the law and regulations, causing misery and hardship for many borrowers”.

He added: “Payday lenders are earning up to half their revenue not from ‘one-off’ loans, but from rolled-over or refinanced deals, where unexpected costs can rapidly mount up. This irresponsible lending is not confined to a few rogue payday lenders – it’s a problem across the sector. If we do not see rapid, significant improvements by the fifty lenders we inspected, they risk their licences being removed.”

For most, payday loans are something to avoid – everyone knows about the eye-watering interest rates being charged. Pay day loan companies often only quote what a loan will cost you in pounds and pennies, but take out a typical payday loan and you could find yourself being charged at a rate of anything between 1,600 % and 2,700%.

And that’s all the more shocking at a time when personal loans from ordinary high street banks have never been cheaper, available for as little as 9% APR – assuming, of course, that you can get one. But for those that can’t – an increasing number of desperate people –payday loans are the only option, the last resort. And these same people then often find themselves mired in a nightmare spiral of ever-growing debt, sometimes facing the distinct possibility of losing their homes – local advice organisation like Granton Information Centre have reported a significant increase of people tackling serious debt issues.

So a crackdown on payday loan companies – however welcome – won’t help the thousands of people who are currently tied in to horrific loan arrangements. What can they do?

Firstly, seek independent advice, from an organisation like Granton Information Centre or your local Citizens Advice Bureau. DON’T take on another loan to cover your last one.

And think about going a Credit Union. Credit Unions were set up to help people just like you, offering mutual and ethical savings and affordable loans. Credit Unions are regulated ‘Not for Profit’, Member-Owned (mutual), Financial Service Co-operatives and can best be described as organisations that encourage their members to save together and lend to each other responsibly. This allows these members the opportunity to gain greater control over their finances.

Community-based, community owned and community operated, two Credit Unions operate in the local area – North Edinburgh Credit Union in Wardieburn Drive and Capital Credit Union in Stockbridge.

Association of British Credit Unions Ltd (ABCUL) Chief Executive Mark Lyonette said last week: “Given the anecdotal evidence we hear from credit unions that help payday loan customers pick up the pieces, we are not surprised that the OFT has found evidence of such large scale poor practice in the payday lending industry.

“Loans repayable in full within a few weeks are rarely appropriate or affordable because this only stores up problems for later. If a loan is needed, spreading repayments over a few months will usually make more sense. Credit unions are a great source of affordable credit and many have helped people get out of the expensive habit of using payday loans. They can also help people to look at their finances and get into a savings habit so that they do not have to rely on a short-term loan next time they are short of money.”

North Edinburgh Credit Union’s Annual General Meeting

will be held on Thursday 21 March at 6pm at the NECU office on Wardieburn Drive.

Go along and support your local credit union

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Young snappers pick up 121212 prizes

Muirhouse Centipede Project have kindly supplied a photograph of Gemma and Garry Pearson receiving their prizes from Muirhouse St Andrew’s locum minister (and lead Centipede!) Linda Dunbar.

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There’s still time to see the exhibition before it finds a permanent home at Muirhouse St Andrew’s – check out previous 121212 post for details.

Letter: Words, words, words

Dear Editor

Words, Words, Words

So many have been written, spoken, thought, agreed with, rejected, ignored.
Far too many for any individual to assess their value, opinion, fact or lies.
Words are an interpretation of events, of life that can be viewed from many angles.
Words can be a guide, this also viewed from many angles.
Words, then, are quite powerful in guiding events and influencing minds.
It follows in whose interest are events guided and minds influenced?

We, as individuals of the human race, have a limited span of time in which to grow up, live and love and create better conditions for the next generations.

Tremendous advances have been made worldwide, yet as you read these ‘words’ there is widespread poverty here in the UK but worse is happening in many countries: thousands of the next generation are dying of hunger and disease – why? Why, when the world has the resources and technology to prevent this happening, but does not or will not so so?

Is it that powerful people are operating a system that cannot so it; if so then the system must be changed. Do the powerful people want to change the system? – the answer is NO. They expend millions of words in support of the existing system; guiding events, influencing minds to ascertain their powerful positions of control.

Are they then evil? Some would say so. Are they indifferent to the results of the system they promote? Most likely, otherwise normal human concern and feelings would conclude this system of capitalism no longer has any place in this world.

A Delahoy, Silverknowes Gardens

Help make your neighbourhood a better place to live

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A reminder about two forthcoming Forth Neighbourhood Partnership consultation events:

Help us make Forth a better place to live

Forth Neighbourhood Partnership would like to hear your views on what you think could improve your local area.

Neighbourhood Partnerships (NPs) are the City of Edinburgh Council ’s approach to delivering local community planning and they work to improve the quality of life in the area. The four councillors for the Forth Ward are all members of Forth NP along with City of Edinburgh Council , Lothian & Borders Police, Lothian NHS and local Community Councils.

The Partnership has recently been reviewing its work and we hope you can help shape our priorities by telling us what improvements you would like to see in your area. This can include planning issues, community safety, parks & green spaces, traffic issues or anything else you are concerned about.

We also want your suggestions for small to medium scale environmental improvement projects for funding through our Neighbourhood Environment Programme (NEP).

Muirhouse and Salvesen

North Edinburgh Arts Centre

(Behind Muirhouse Shopping Centre)

Wednesday 13 March 2013

Drop in anytime between 6pm and 8pm

Tea/Coffee and Sandwiches provided

Children welcome.

Granton and District

Royston Wardieburn Community Centre

(Pilton Drive North)

Saturday 16 March 2013

Drop in anytime between 10am and 12 Noon

Snacks and drinks provided – Children welcome.

How do Neighbourhood Partnerships Work?

They can:

•Bring decision making closer to the community
•Provide opportunities for communities to express their views
•Set out the priorities to improve quality of life in the communities
•Make recommendations to the Council and other partner organisations about the way services may be delivered in the local area
•Comment on strategic decisions that affect the local area
•Award small grants to community groups for local projects that can make a difference in the local area.

For further information contact Forth Neighbourhood Partnership Development Officer Jim Pattison:

Forth Neighbourhood Partnership

North Edinburgh Local Office,

8 West Pilton Gardens, EH4 4DP.

Telephone 0131 529 5082

Email jim.pattison@edinburgh.gov.uk

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Learn about collective switching to cut your energy bills

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Are you paying too much for gas and electricity? Like to find out what you can do to change that? Then read on …

Scots Together offers householders and their communities the chance to save hundreds of pounds on energy bills as part of a collective buying initiative. Scots Together is currently the only Scottish pilot to be funded by the Department of Energy and Climate Change.

Representatives from the Scots Together initative will be at Community Renewal’s office in Pennywell Court (i.e. the shops!) tomorrow (Tuesday) from 2 – 5pm to talk about collective switching.

Organisers explained: ‘Collective switching involves getting people together to sign up to reviewing their electricity and gas tariffs, making sure they are on the best deal that they can get.  Many people continue paying expensive tariffs simply because they don’t realise they can switch their supplier for gas and electricity. Reviewing your energy tariffs should be something you do as simply and regularly as reviewing your home or car insurance.

There will be options provided to each customer including, the price obtained through the collective switch auction, a comparison of the whole market and a greener tariff.

There will be no obligation to switch suppliers and we’ll let you know if you are already on the best tariff for you’.

Interested? Call in at Community Renewal tomorrow afternoon or you can get more info online – check out www.ScotsTogether.com

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Rotary Club tees off support for new Fresh Start service

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Previously homeless households in Edinburgh will be able to access a new food pack service later this year thanks to the generosity of the Rotary Club of Edinburgh. A donation of £28,840 will enable Edinburgh’s re-homelessness charity Fresh Start to produce the packs for the next three years, helping an estimated 2,500 households as they move into a new tenancy after a period of homelessness.

The money was raised at a special Golf Day at Muirfield, organised as part of the Rotarian’s centenary year celebrations.

The contents of the food packs are still to be finalised, but will contain store cupboard essentials to make sure people can make a basic meal when they first move into their new home.

The new packs will be given out to homeless households referred to the Fresh Start project and will be part of its wider Starter Pack service, which already sees it providing recently resettled families and individuals with much needed items, like bedding, small electrical items and kitchen items.

Edinburgh’s Lord Provost, Rt Hon Cllr Donald Wilson, called in at Fresh Start’s Pilton offices recently to inspect the packs and hear more about the new service. He also presented Fresh Start’s Managing Director Keith Robertson with the money raised from the Golf Day, enabling the charity to start work on getting the new service up and running.

The Lord Provost said: “Rotary International is admired the world over for its selfless support of individuals, families and communities and the Rotary Club of Edinburgh has been at the forefront of this for the past 100 years. Fresh Start is the latest in a very long line of wonderful and worthwhile causes they have chosen to help and my congratulations go to those who have put in so much time and effort towards raising this fantastic sum of money. I have no doubt that it will be put to good use, allowing the charity to continue their valuable work in helping people who have been homeless to get established in their new home.”

President of the Rotary Club of Edinburgh Bob Hislop added: “The amount raised is a significant sum in these challenging economic times and is not only a considerable achievement but a worthy legacy for the Rotary Club of Edinburgh’s Centenary Year. Edinburgh is a beautiful city but behind it hides poverty and it was for this reason we decided to choose Fresh Start as our Centenary Charity. We are delighted the Golf Day was such a success and that we are able to tee off a service that will help many families put a hot meal on the table.”

Fresh Start exists to help people make a home for themselves. Managing Director Keith Robertson said: “We are delighted to be chosen as the Rotary Club of Edinburgh’s Centenary charity and even more so that the money has allowed us to put in place plans for a new service. Very often people move into not a new home but an empty shell. We already provide a range of Starter Packs to help people have essential goods like bedding and crockery when they first move into a new house. Our new Food Pack service will help them to have a hot meal too – for some it might be the only thing they have to eat.”

The new service will operate from new premises and will be part of a larger food venture – details of which will be revealed soon.

 

Red-nosed residents to celebrate Comic Relief!

A sheltered housing complex in Leith is supporting this year’s Comic Relief. The Port of Leith Association (PoLHA) development at Jameson Place will host a series of fundraising events next week for its residents as well as anyone who wants to drop by!

On Monday at 2pm there will be a quiz followed by afternoon tea and on Tuesday at 12pm a lunch will be served. A race night at 7pm on Wednesday and a traditional fairground games afternoon and tombola at 2pm on Thursday will raise funds, culminating with a social night and auction on Friday at 7pm.

Elaine Edwards, Scheme Co-ordinator at Jameson Place Sheltered Housing Complex, said: “The residents have a ball getting involved in the fundraising activities and we hope local people will pop along to join in the fun while raising some money for this important cause.”

Jameson Place will charge between £1 and £3 for people to join in the fun. The complex fundraisers for Comic Relief every two years and in 2011 raised £288 for the charity.