通用信贷,扣除和“性传播”债务

IF 0.6 Q2 LAW
Rita Griffiths, R. Cain
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引用次数: 1

摘要

通用信贷是英国主要的工作年龄福利,旨在简化福利并鼓励有偿就业。对低收入个人和有收入或没有收入的夫妇每月进行评估和支付,每月的单笔付款以应得权利为基础,减去任何家庭收入和/或债务扣除的比例。研究强调了减免债务可能给索赔人带来的经济困难。很少注意到对偿还一方或双方可能累积的债务负有共同责任的夫妇的经历,包括那些可能早于他们目前的伙伴关系开始的债务。根据新的实证研究结果,我们探讨了共同通用信贷索赔背景下扣除的影响,以及对不同合作伙伴的影响。该论文认为,与遗留制度相比,在债务的追讨和追讨方面更加严格、数据共享和自动化,减少了债务追讨和扣减管理方式的灵活性和自由裁量权。这给夫妻带来了额外的经济困难和潜在的关系不稳定,对他们来说,不利的经济和情感影响可能会成倍增加。讨论了改革方案。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
Universal Credit, deductions and ‘sexually transmitted’ debt
ABSTRACT Intended to simplify benefits and encourage paid employment, Universal Credit is the UK’s main working-age benefit. Assessed and paid monthly in arrears to low-income individuals and couples with and without earnings, the single monthly payment is based on entitlement, less a proportion deducted for any household earnings and/or debts. Research has highlighted the financial hardship that deductions for debts can cause for claimants. Less attention has been paid to the experiences of couples who have joint liability for repaying debts that one or both of the partners may have accrued, including those which may pre-date the start of their current partnership. Drawing on new empirical research findings, we explore the effects of deductions in the context of a joint Universal Credit claim, and on the different partners. The paper argues that greater stringency, data sharing and automation in the capture and recovery of debts, compared with the legacy system, have reduced the scope for flexibility and discretion in the way debts are collected and deductions are administered. This is creating additional financial hardship and potential relationship instability for couples for whom adverse financial and emotional effects can be multiplied. Options for reform are discussed.
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来源期刊
CiteScore
2.00
自引率
13.30%
发文量
52
期刊介绍: The Journal of Social Welfare & Family Law is concerned with social and family law and policy in a UK, European and international context. The policy of the Editors and of the Editorial Board is to provide an interdisciplinary forum to which academics and professionals working in the social welfare and related fields may turn for guidance, comment and informed debate. Features: •Articles •Cases •European Section •Current Development •Ombudsman"s Section •Book Reviews
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