Skip to main content Accessibility Statement
couple with bills

Eight questions about Universal Credit

Universal Credit is now available in nearly all Jobcentres in England, Wales and Scotland. However, it’s being rolled out gradually, so not everyone can claim it straight away.

We’ve had a rush of calls to our advice line recently from people asking what Universal Credit (UC) means to them, so we’ve pulled together some of the key questions to help you know what you could be asked to make a claim for it and what’s different about UC compared to other benefits.

What is Universal Credit?

Universal Credit is a single benefit for people of working age. It replaces these existing benefits and tax credits:

  • Income Support
  • Income-based Jobseeker’s Allowance
  • Income-related Employment and Support Allowance
  • Housing Benefit
  • Working Tax Credit
  • Child Tax Credit

What’s different about Universal Credit?

  • You’ll get one single payment, paid monthly in arrears. This will go towards your living costs, housing costs and childcare costs if you have children
  • If you’re in a couple, only one of you will get the payment for both of you
  • If you pay rent, you’ll have to pay it directly to your landlord
  • Your Universal Credit payment is paid into your bank account..

If you don’t already have a bank account that can make and receive payments you’ll have to set one up.

Will I be asked to claim Universal Credit?

At the moment if you live in England, Scotland or Wales and:

  • you’re single
  • you’re newly unemployed
  • you don’t have any dependent children

you will probably have to make a claim for Universal Credit.

If you live in the North West of England and live in a couple or have children, you could also be asked to make a claim.

If you live in Northern Ireland, Universal Credit is expected to be introduced in 2017. Until then, you can continue to claim existing benefits.

I’m already getting benefits, when will I be asked to make a claim?

If you’re already getting any of the six benefits that Universal Credit replaces, you will eventually be asked to make a claim for Universal Credit but you don’t have to do anything until you’re contacted about what to do.

Will I be worse off moving onto Universal Credit?

The way your Universal Credit payment will be worked out uses different rules. In some circumstances you may be able to claim what's called Transitional Protection if moving onto Universal Credit means you will get less money than you were getting in your old benefits. However, it depends on why you're moving.

If you are currently getting any of the benefits that are being replaced by Universal Credit and you have a change of circumstances that means you will now have to make a new claim for Universal Credit, you won’t qualify for Transitional Protection.

However it is proposed that if you’re on any of the benefits being replaced and are asked by DWP to move onto Universal Credit, you may qualify for Transitional Protection if all the following things apply:

  • your UC award is less than you’re getting in your current benefits

  • you have no changes in circumstances.

You will continue to get Transitional Protection until your Universal Credit award catches up through increases in payments, or the family has a significant change in circumstances.

Your Transitional Protection will end if:

  • the amount of UC you're entitled to decreases to nothing
  • your partner leaves or joins the household
  • there is a sustained (3 month) drop in earnings so that you move into a more intensive conditionality requirement
  • you or your partner (or both of you) stop working.

Otherwise Transitional Protection will be reduced in line with any other increases in your benefit.      

How long will I have to wait for my first payment?

One of the big differences between Universal Credit payments and the way existing benefit payments are paid is that you will be paid monthly in arrears.

It’s also important to know that you are not paid for the first seven days of your claim. The DWP also needs time to pay the money into your account.

This means you might have to wait several weeks for your first payment – on average around six weeks.  

If you think you will miss essential bill payments during this time, talk to people that you might owe money to, like your energy supplier, to discuss what you can do. They may be able to offer support., like energy grants or lower tariffs.

If you are worried about going into debt or  don’t know what to say to people you owe money to, a free debt adviser will be able to talk through things you can do.  

Do this as soon as you can to avoid debts piling up. Eight out of ten people tell us they feel less stressed and anxious after getting debt advice.

If you’re worried about paying your rent

Making you sure you keep a roof over your head can be a major worry if you have to wait several weeks for your first payment.

It’s important you talk to your landlord straightaway and let them know you are waiting for the money to be paid.

When you know when your Universal Credit payment date will be, set up a Direct Debit or a standing order to pay your rent straightaway. You may have to change your rent date.

If you’re already in rent arrears talk to your work coach about setting Direct Payments to your landlord. This means your rent payments will go straight to them until you can get back on your feet again.

The Housing element of your Universal Credit payment may not cover all your housing costs if you have too many bedrooms for your needs or your rent is higher than the amount that you are entitled to.

If you are facing a rent shortfall, talk to your local council about applying for a Discretionary Housing Payment.

If you have little or no money coming in

If you will really struggle to manage until your first payment you might be able to apply for a Universal Credit Advance.

You will have to be able to show that you have no other income. Talk to your work coach about how to apply.

Your work coach may also be able to put you in touch with local support and help with everyday costs, such as food and energy.

What do you think?

We really want you to share your views, but please remember to be nice ☺
All fields are required. Check out our full commenting guidelines

By clicking on 'Post Comment', you're agreeing to our Commenting Policy

  • Emma / 8 August

    I'm absolutely petrified when i have to start claiming this i was working from home but currently no success and was nothing but trouble. constantly applying for jobs but never hear back even though i suffer depression and very bad anxiety some days i cant even get out of my home. Making me more depressed knowing i can't even get a job. I have two children and when it comes my time to claim this im worried how im going to feed my children having to go 6 weeks maybe longer without money i don't want to be on benefits ever since i have been on them i feel as though i have failed as a mother i never wanted this life for my children im just hoping this isn't going to push me over the edge like it will many others to please scrap this its going to ruin to many peoples lifes

  • Kenyon / 1 August

    I am have had a kidney transplant and want to work and have to eat regularly and do not have enough money to buy food on UC what can I do Please Help

  • Gwen Dawson / 31 July

    do I have to pay the universal credit back when I have a job?

  • Ekaterina Marinova / 24 July

    Hello. I am a qualified professional and a single parent - a mum of one child who is in full-time education. I am a EEA national and have been living in the UK for the last 2 years and working, paying taxes.
    I am currently out of employment as my DBS came out with my names swapped.

    I am out of employment for less than a month - applied for jobs, was offered employment, but waiting for the new DBS to be processed.

    Applied for a JSA,but was told to apply for an UC. Did that. Passed the habitual residence test. Today my UC claim was declined as the UC decision-makers felt that I am a job seeker and I need to be treated as not being in the UK. One would wonder how did I go to job interviews, how did my child go to school.

    Rent is due in a couple of days. So is electric. Leaving parents without an UC poses a HUGE child protection issue.

    I wanted to make sure that I could have an advance payment to get me going before starting work. Now it is an ever ending nightmare.

  • adrienne b / 22 July

    Not sure if the question is about the credit or the advice? But I think this new law is Evil, people will loose their homes and get into debt I can see suicides happening because of this, how are people supposed to survive in the 6 weeks before getting paid, this government is truly evil

  • simon wilson / 21 July

    Hello well where shall I start having come off jsa pending new job which did not happen had to claim uc which created arrears in rent and then was told they cannot tell me how much I would be entilted to so any money I earn say I work 16 they take off 67p so for 16 hrs I earn 5.80 can someone plse tell me how this works or am I working for actually no where near the min wage I could go on but this uc has created more problems in my life and no one seems to know what is going on please help a very jaded downtrodden worker thanks.

  • Abdul Rachman / 13 July

    How do you sleep at night?

  • MR Patel / 10 July

    This does'nt help at all. The benefit cap, maybe it can be a new type of cap. I'll take it to Dragons Den and maybe all of us who cannot get Universal credit can wear the cap.

  • maggie dee / 5 July

    my son has been sanctioned for 6 months so has had no payments since december he is due to start a course next week with the possibility of a full time job at the end of the course but when he asked at jobcentre they wont give him travel expenses

  • AJ / 2 July

    I was asked to give evidence of my circumstances just recently, i already told these assholes about the so called info they "requested" which, is total crap!! now im worried i wont get a payment on the 5th of July!!!! this is a true nightmare!!!!!!!!!!!

  • leigh / 29 June

    I think its crazy if you are being switched over from one benefit to another through no fault of your own you have to wait 6 weeks. this is crazy why can this switch over not kick in straight away it took 1 whole year to sort out my benefits and I work this is going to cause me so much stress yet again

  • scott / 20 June

    I'm on universal credit and due payment on June 22nd 2017 if I signs off for Two days work on 20th when would I get money I'm due for that month

  • Margaret Krowicki / 6 June

    It has helped me I never knew about that protection. I am going to write to them in my journel I have been really short of money . Thank you

  • Gemma / 31 May

    Does anyone have any experience of being in the 'All work related' group and having a child of 3? I'm currently on working tax credit working 16 hrs a week but struggling with hrs and child care. But I'm aware if I leave I will be forced onto universal credit, how many hours do they expect a long aren't of a 3 yr old to work? I'm so scared for my and my daughters future having read these comments!

  • Celia dixon / 16 May

    I was claiming jsa, they bullied me so much that I had a breakdown in the jobcentre. I noel have a sicknote from my doctor for acute anxiety for six weeks I am female and 60. Do I now have to claim uc

  • paul / 13 May

    my wife, child and i, own a field, will we be forced to sell it if I claim jobseekers

  • Douglas rothwell / 4 May

    Iv been on benifits for 18 years,I'm on esa,at present,I have a mental dissabilty,I will not be able to survive for 7 weeks without esa,I even get paid weekly,because I have trouble with handling moneney,what do I do,top myself

    ---

    Hi Douglas, we would recommend talking to your work coach about your options. You can also call our Money Advice Line on 0800 138 7777, who have experience dealing with this issue

  • MR SMITH / 2 May

    I HAVE VARIOUS PROBLEMS MOVING ON TO UNIVRESAL CREDIT I GOT LESS MONEY AND DIDNT EAT FOR 6 DAYS .. WORK COACH WAS NO HELP

  • Tom Rankine / 27 April

    I think the Universal Credit will come to be known better by those struggling to get by, as "The Separatist Benefit", as on the face of things it would seem that single people with a work-ethic on a low hourly rate will benefit positively, whereas a family with 2 kids will be affected negatively.

    I forsee many couples with children choosing to "live apart" on a temp / permanent basis just to safeguard their "living rights", and how on earth can this be healthy, positive or decent.

  • Jake Williams / 25 April

    I started U/C in June2016 I'm still every month having hassle and I'm on tender hooks the last 8 days each month as its when they pull things they want from fresh air, every month they say they will sort it and it won't happen next month guess what it Dose

  • Daisy Lea / 16 April

    I have had a terrible time over the past two years on UC, due to depression and anxiety I could not fulfill my commitments, which were attending up to 4 Ingeus appointments a week and spending 35hrs a week job searchin! I was sanctioned over £300 each month, just received Housing Benefit, and lived off the charity of my friends and family. My claim has been shut down for months now, but just last week I received a full rebate of all my sanctions, because errors were made by the DWP. I received over £4000, so I would advise anyone who is heavily sanctioned to dispute it!

  • lee brogan / 14 April

    I bin force out of my employment support allowance for uc now i am starting to suffer with no help what so ever mentally health is getting harder diabetic is taking to worse i can't live on nothing so i am also ready to give up my home after just getting 3 months ago i can't keep living it is getting so hard i don't get any help

  • Janette Rei / 8 April

    One thing that gets missed being explained, is that on Universal Credit you will no longer have the luxury to choose one of you being a Stay at Home Parent.
    On the old system, one person can work, and have their low income topped up by tax credits. The other was free to seek employment or stay at home and accept a lower level of income and manage.
    The new system requires a couple to claim together, and as soon as the youngest child is 3, the 2nd claimant HAS to sign a commitment to seek employment, or be sanctioned.
    I know this, as this is me at the moment.

  • Demos Socratous / 6 April

    Going over to UC six months ago i had a rent deficit of 87 pounds due to unpaid bedroom tax,4 months later i was 1000 pounds behind with my rent, even tho i asked for my rent to be paid direct to the council, as a result of this there was a court case in Norwich , which is 20 miles away from where i live,AND WHAT U HAVE TO BEAR IN MIND, IS, i hadnt done anything wrong , prior to this i was liasing with local rent office by phone, and NUMEROUS visits to rent office,I did not attend the court hearing, as ,well, why should i,it wasnt my fault it was UC fault. Iwas completely oblivious to the fact that 325 pound costs were to be awarded, OTHERWISE, i would have attended , then , im informed the court awarded costs onto myself of 325 pounds the court hearing was on 17th jan 2017 , on that date i personally was behind in my personal payments to the amount of 140 pounds , yet the total amount owed on my rent account was 1000 pound 840 of which UC owed,,,,,,,,, HOW IS IT ?, i got the costs awarded against me, This is totally out xjxjxjjxjx rageous , What a con, iv been to dial citizans advice and my M P , THE GUY AT THE RENT OFFICE AGREES WITH ME ON THE FIGURE I WAS PERSONALLY BEHIND OF 140 POUNDS, and yet, he says if i manage to get the decision overturned , the council will appeal AND furthermore to add to the CON, there is a 255pound charge by the court, if, anybody wants to appeal, i havent got a 10er , let alone the 325 ,and or maybe the 255,,,,,,,,and by the way its recorded on my journal on UC that on the 10th of november,,,,,,, which by the way , was the day i recieved my very first payment of UC,,,,,,, that i stated on my journal ,,, and i quote , word for word what was writ,,,,,,,,,,,,Payment today does not include my rent. Please can u arrange to pay this urgently. Iowe more than 600 in rent arrearsnow and therefore looking to be evicted. URGENT PAYMENT REQUIRED

  • william / 31 March

    i just apply'd for UC it says im not qualifyd or entitled to claim after filling in the first step! i dont get it ive just been made redundant with no redundancy as i was employed just under two years.
    i went to the job centre days before my last day they told me to apply online when i finish its friday evening now as if i needed anymore stress after being made redundant:/

  • veronica / 24 March

    I would like to know what to do if UC doesn't cover all my basic costs, eg rent, water, gas and electricity?!! I won't have enough to pay for food, or even all my bills.

  • lindsay / 13 March

    12 month ago I was attacked and this caused me to have depression and social anxiety, It was hard but I managed to get through it and was well on the road to recovery, I was also working towards starting up my own business and looking for part time work. Then I was switched over to universal credits which has took nearly 4 month for them to sort. This 4 month has been so scary for me and I have had to sell most of my belongings to survive, now Im struggling to leave the house without having panic attacks even just to go to school, I struggle to get out of bed most days, the anxiety is draining me of all energy. I managed to get 2 jobs One I had a panic attack whilst working and had to drive home in an absolute state on the Saturday just gone and I have not left my house since. I was suposed to start the other this morning but I got as far as my front door before almost passing out. I know I need help with this situation otherwise my money will be stopped soon, but I have no Idea who to call or whats going to happen, I know I have to be capable to work to claim UC but Its becoming obvious to me that I am far from capable. Until I get the right help and feel that the system isnt working against me Im not sure I will recover from exhausting anxiety.

  • Catherine / 13 March

    Cockle, totally know where you are coming from. If my parents were not nearby I'd by in your shoes. Please call someone, I had the worst day of my life last Thursday and on Friday everything changed. If you want to talk, please post again.

  • Stephen Armit / 13 March

    After starting a new job last march my back went and through a MRI i found out i had a slipped disc in lower back. Went through Physio and referred to the Surgeon whom i am still waiting to see and now UC have informed me i am entitled to zero money as my wife's income is now treated as my own , There health check done by some arrogant woman came back 0 pts and stating lies which this woman put down out of context how i said to her. Letter of course arrives on a Saturday when you cant call 2 weeks before all our monthly bills were due. had to sell off some items to make rent and now i'm in a helpless situation of meant to be resting to run back and forward at UC beck and call , trying to raise money for next month so its not all on the wife who only works as a hotel assistant and isn't on some massive wage. I have doctors , Head of Physio, MRI Scan but of course UC and there play nurses know better with there 15 little questions. Absolute joke when you have worked all your life and when you need support this is what you get. My Wife also is a Serbian National so has No recourse to Public funds due to her Visa so she cant claim anything , UC response - Once your wife is able to claim from the Gov then you will be entitled to more money! , Seriously so when she can take something from the Gov then that entitles me to more and not when she cant take anything. Work that madness out.

  • Jeanmarie Carr / 13 March

    Hello. Very informative and helpful.
    Thank You

  • Ian Casson / 28 February

    I think it's a joke. If I stRt work I have wait two weeks get paid. Job seekers paid you up to date. That helped till you got a forest wage. If your in arrears your missing out on payment. If you've paid high end tax, is that not wrong. I understand people who haven't paid tax. I have the system still wrong. No help on job offers. If your not well equipped with computer skills they try stop payment. How that fair, or how can that help someone who can't help them selfs

  • m / 25 February

    to add to my previous comment, I have massive depression which the public wouldn't know - but my Dr who is stricyly professional and knows my case can't be trusted - it has to be a person who is trained briefly and I just can't cope with the system anymore. I'm also just someones boy no matter what age- I really hope things get better.l

  • M / 25 February

    it is killing me QUITE LITERALLY, I came off esa with no help. I'm back to sq 1 and couldn't call jobs - my phone was disconnected for late payment as i had to wait 5 weeks to be paid i'm very lucky i have parents (who are both not well off)- which meant extra phone charge to me when i got the payment, and its gonna happen every month due to timing, living off a pound a day. - it's disgusting. I've tried hard to go by the rules i was doing it before but now i feel lost, My work coach is brillaint i must say that's the only thing - i failed the esa assessment by one point. So awful.

  • Nats / 24 February

    People say its ridiculous about waiting all that time to get paid, well people who work full time usually get paid monthly and if you have to budget then it can be done.
    My husband recently left me with 2 kids and I'm doing ok budgeting! Its learning how to be careful. Im so far 6 weeks into my wait and I'm a little overdrawn, but the government will soon be paying for me to live so i have no right to complain about the wait!!

  • Wendy / 22 February

    I applied for universal credit 3 weeks ago and understand no patment is made gor a while but I have received nothing stating I need to go to the job centre etc. I check jobs every day on your site. Do I need to do anything else in the meantime. Some people mention interviews ? Wendy

  • Paula Bi / 18 February

    For all those that are claiming Universal Credit, if you are renting from a private landlord, you will find your UC payment is far lower than when on Job Seekers and housing benefit. This is because of yet another change. The DWP will only pay as much rent as the Housing Associations charge....which as we all know, is far less than private landlords. You get the top up in rent by requesting Discretionary Housing Payment from your local council. For Liverpool :-https://liverpool.gov.uk/contact-us/council-tax-support-and-housing-benefit/ This is where you request the top up for the rest of your rent

  • stephen / 16 February

    me and my partner claim as a couple and she had her tax credits moved to universal credit but it doesnt show on our payment does anybody know if it still gets added on .

  • James Megger / 15 February

    When will I get my universal credit payment I get paid the 30th of every month but as it's February there is only 28 days

  • amdrew fox / 10 February

    Today I was supposed to recive my universal credit payment but it did not come so I rang them and they tell me I've been sanctioned for not providing enuf work evidance so I did not get a penny but I just started a new job Monday dont get paid for another two weeks of them so I ask for help they said I have to come in the jobcentre I sed I cant I work now they sed they cant help me then unless I come in so wat do I do help please

  • M wall / 9 February

    Very confusing

  • Nicholas john mckinley barry / 7 February

    My name is Nicholas mckinley barry and I claimed universal credit on the 4th November 2016 and today is 7th Feb and I haven't received a penny! At the time I had to claim I had just lost my job and my home and I had hit rock bottom, the YMCA was kind enough to help with the food bank and they gave a room in an old cold falling dwn building, the room is between 9 and 12 degrees all the time as I can't afford to put heating on so I just put extra clothes on and stay under my duvet! I'm asthmatic and have other health issues due to this and have to take medication to open my air waves as well as steroid inhalers. I feel that how I'm being made to live is against my human rights and with how cold it is in the room it is putting me at risk of heart attacks and strokes and possibly hypothermia. In the mean time all the people I owe money to is building up and I could possibly be getting evicted because of the rent arrears being over a thousand pound. The government thing that pushing someone over the edge like this is going to force them into work but I think it's going to turn more people to crime to survive or to send a more vulnerable person over the edge to commit suicide, I'm nearly at breaking point as I have a job that I can start but do not have the funds to buy clothes and shoes and pay for travel aswell as my DBS. I explained this to my work coach who said that I might be eligible for a flexible support payment so I applied 3 wks ago and still haven't heard a thing! What I want to know is why the government think it's ok to put people in poverty and put them through all of this. I think that this is just another way of the government trying to take control with out thinking properly how this is going to effect the country as a whole 6 months dwn the line. Look at it this way if u got a drug addict or a drinker and u give them there monthly money do u seriously think that they are going to pay what there ment to pay to keep a roof over there head? NO! of course there not so there are going to be more and more vulnerable people homeless and all they will get offered is a bloody tent to live in. This is a outrage we are all human beings and we all have rights! How about the tories swapping places and see what a struggle life really is for the mojority of England instead of living the life of luxury off of tax payers money! I have also contacted my local mp and I'm considering taking my story to the paper

  • Quasimodo / 7 February

    This is absolute garbage!
    Making people wait 7 weeks to get paid when they have just come out of work is ridiculous.

    They actually advise you on how to cope with debt!
    They may as well diagnose people with depression prescribe us all with valium.

    At least with JSA you had a chance to to live fairly and got paid fortnightly instead of this shambles.

  • Sasha lacey / 6 February

    Wot does it mean wen trying 2 sign on 2 universal credit that it's timed out,

    ---

    This sounds like an issue on the Universal Credit site. This is a site we do not run. I would report this to the website administrators.

  • Sasha lacey / 6 February

    Wot does it mean wen trying 2 sign on 2 universal credit that it's timed out,

  • pat / 2 February

    Univeral credit seems a really good way to get people in debt who have been stung with the bedroom tax, 6 weeks of waiting for a payment!!! enough time to get the inviction notice through your door. I was told to seek help with welfare support which is a complete joke where I live in Somerset. Some people I know have ended up with mental health problems, drink problems , substance misuse because they were unable to cope with the stress this universal credit has caused there now claiming disability allowance at a higher rate, and unable to even start to look for work because their not well enough! so well done DWP

  • fiona rebair / 26 January

    iv done my best and got a low income job also on universal credit this is a total shame my housing doesnt cover my rent and now because am trying to better my self i done a few extra hours over xmas instead of getting my £554,00 i got £33.50 in my bank i had to pay my landlord his rent but i carnt now i am now in arrears and he is not going to renew my tenancy,i do everything the right way but now having to look for else where to live iv lived in my flat for 9 year and dont think i should move ,i went to see( i daniel blake today and it was like seeing myself on the screen this is ridiculous,do i come off universal credit will i still get help with my rent please help any one.

    ---

    Hi Fiona,

    Sorry to hear about the problems you are having. The only advice we can give in this area is to talk to your work coach or someone at the Job Centre. Hope this helps. MAS

  • kerry / 23 January

    hi, i never attended an interview at the job centre and they stopped my money. I sent my reasons why along with the evidence to the main office because they asked in a letter if my circumstances were changed. Now they have stopped I dont know how long it will be until i get it again. Please help!!!

    ---

    Hi Kerry, unfortunately we are not able to advise in this area. I would suggest talking to your work coach or someone at your local job centre.
    MAS

  • Carla / 18 January

    I was on esa child tax housing benefit my circumstances did not change but I had to put a new housing benefit form in so they advised me to get my rent paid I had to change to universal credit I was told I would not be worse if I am now 1100 pound a month worse if they are trying to say I can't get transitional top up as circumstances have changed but they haven't

  • Paul / 30 December 2016

    No one can get Universal Credit for at least five weeks and usually longer. That means no money to buy food, or pay your rent, or have any income whatsoever for five to ten or more weeks. If you have no resources you can get an advance, in the form of an inadequate loan, which has to be paid back. So the truth about Universal Credit is that it forces the poorest and most vulnerable people having to apply for it into rent arrears and/or debt through no fault of their own; more comfortably off claimants won't be affected like this, only the very poorest and most helpless citizens will end up in debt, because of Universal Credit, from which they may never recover.

    Universal Credit is pernicious, malicious and inhumane by design.

    Applicants are set up from the word go to suffer and to fail, either by falling into debt because necessary support has been withdrawn from them or by making a trivial error of some kind and suffering long-delays or financial sanctions.

    Iain Duncan Smith and David Freud are contemptible.

    How many people, now dead, would still be alive today if these two black-hearted dabblers and dilettante had never been born and meddled with Great Britain's social security system?

  • Chel / 21 December 2016

    I work part time on minimum wage, every months since I started work I was being taxed, last month I got it all back (600.00) pound , will they stop my money this month or not ? Can anyone help me as it's really worrying me ?

  • fraser / 15 December 2016

    They dont even listen...not one good comment about this u.c and there still wont be change because they dont like to admit failure...pathetic

  • fraser / 15 December 2016

    Ive not been paid in seven weeks...now im told i will get £5.82 tomorrow...absolute joke..tried calling but no one really answered my questions and then hung up on me...ive appealed the decision but will take god knows how long..this is knocking me ill..total shambles...dont even think this post will make a blind bit a difference..problem with this country is the government etc try act like they give a damn but no one does...

  • joe clancy / 13 December 2016

    my wife has been out of work for seven months due to shop closure aged 61 but does not qualify for any assistance,i suffer with ms and can only work when able

  • Janet jackson / 9 December 2016

    I think it's dreadful as people will owe money it's so unfair to put people under pressure bad idea should not do this cause depression and illness to people

  • chelsea / 9 December 2016

    I think universal credit is absolutely ridiculous and i am not even someone who receives this! Not one person that i have talked to/know has said it has benefited them in any way! Everyone is worse off and also half the time arent receiving the correct payments or having to wait weeks for it. How are they possibly meant to live on nothing? People are in more debt then when they first started and are having to live in worry that they are not going to recieve there payments. I dont think there has been one positive outcome of this, when will you realise that it is obviously not working. Hard working people are having to live like they are poor! Ridiculous!!

  • chelsea / 9 December 2016

    I think universal credit is absolutely ridiculous and i am not even someone who receives this! Not one person that i have talked to/know has said it has benefited them in any way! Everyone is worse off and also half the time arent receiving the correct payments or having to wait weeks for it. How are they possibly meant to live on nothing? People are in more debt then when they first started and are having to live in worry that they are not going to recieve there payments. I dont think there has been one positive outcome of this, when will you realise that it is obviously not working. Hard working people are having to live like they are poor! Ridiculous!!

  • lisa carr / 8 December 2016

    I had i private landlord 750 a month rent owe him 1500 was notpayed for a month and now they refused to pay backdated claim for a month even though i showed them this was not my fault i got income support to print off the phone conversations they said just because i was misadviced dosnt mean they have to pay joke its just near christmas im in 3000 worth of debt ive got a severly dissabled daughter and 6 children in total because other people didnt do there job i have now got no money for presents all because my partner had 3 heart attacks i had to quit work and was miss adviced to claim income support had me on hold for 3 weeks told me do a rapid reclaim and then was adviced everyone as from a week ago gone on uc so i had to dont worry its not your fault it will be backdated they said another joke

  • Tiggy / 4 December 2016

    Very few private landlords will wait six weeks for the rent. My credit record will be ruined, which makes it hard to find a flat because they check now. And what do I live on while waiting? I don't get enough money to save any.

  • Victoria currie / 2 December 2016

    Me and partner been on universal credit since November 2015. We both work but mine is a seasonal job. I go back in February. My partner earns over £200 a week so they take that off us and we don't get the child element of it. So what is the bloody point of going to the stupid joke shop for appointments when we are not entitled to anything.

  • Nikki / 28 November 2016

    I have one child and I was given £420 to live on for 9 weeks and £100 had to be paid to my landlord I made a claim in July and they only aid from September because they said I missed an appointment at the job centre.
    This left me in tent and council tax arrears plus bank charges of £95 for direct debit payments, I've worked all my life and unfortunately fell ill and was unable to work I only wanted help with my rent but got told I had to claim uc!!
    The council have issued me with a position order and I now have £320 court costs added on top of my arrears. I actually went back to work while I was still ill to try and pay these debts off and sadly enddd up in hospital for one week and now I'm on morphine and strict bed rest!!!
    I came out of hospital to a letter saying I'm not entitled to housing benefit.. :(
    I don't know how this is going to end but I really can't take much more!

  • shaun / 25 November 2016

    Just like to mention I have been on universal credit since April 2016, And its crap! i know of loads of friend on JSA still and they are getting 3 giros a month with in few days so typically there on £140 (if no debts) a fortnight, So average of £420 a month. plus full rent paid . I.m on £301 a month which i make up £13 toward my rent, I do have debts (own doing) which I.m trying to keep on top of ! I asked for budgeting loan which I.m not allowed yet friend have got one cause I.m on universal credit ! not allowed now ! I,m totally grateful in what i do have as could be really worse ! but if change was to happen change for all !! no help if on universal credit !

  • Paul walkin / 22 November 2016

    I have no money for food gas nothing I can't believe I gave been left like this

  • shirley / 22 November 2016

    my daughter has been without ANY money for 6 weeks!!!! all because she started at college, she has a 18month old son!!

  • Linda / 25 October 2016

    I was claiming child tax credits rent benefit and my husband was working 16 he's a week (since Oct 2015) previously he claimed joint job seekers allowance.
    In August 2016 we split up and he moved out. I wanted to claim jsa but was told i had to claim Universal credits.
    My friend said this IS wrong and I should have been allowed to stay on the old system. I asked IF on my jornsl within 2 days of making the claim. They only answered "we have read your entry" but never answered it.
    When I went in to the job centre to collect my number I asked again and they said it was a new claim so I had to go on UC.
    I am confused.
    Can you help answer my query please?
    Thank you.

  • Nicola / 5 October 2016

    My partner and I are self employed and currently on a very low income. A recent online benefit calculation from the turn 2 us website says we are entitled to UC but because of where we live and the fact we are a couple we have found out we cannot apply. We are being penolised yet again for trying to make a living for ourselves.

  • Rachael / 21 September 2016

    Claiming since July and only payment I've received so far was £96 and they have not paid rent for 10 weeks so I owe 1683.98 in arrears. They wouldn't refer me to a food bank as I have too much money . I've had none for weeks been borrowing from family to support myself and my daughter. They are complete rubbish.

  • Sian / 18 September 2016

    Universal credit is awful it's not backdated. So you lied. You don't get enough money as half of my money goes on rent. You didn't tell me about a commitment meeting, so I missed out on a payment then you gave me an advance and said I had to pay you back!
    This service is terrible I struggle and you don't seem to care or help.
    No one should go on universal credits ad it's a awful system. I wish I stayed on tax credits.

  • John brown / 4 September 2016

    My problem was on ESA now on universal credit last payment from ESA 2 August was told by lady on phone a payment from universal credit would be in my account on 2 September no payment on emergency electric what can I do I am stressed with this please can u help

  • James Birrell / 29 August 2016

    I lost my job with Local Authority on 20th April 2016. I was dismissed after 9 years because of absence due to a long battle with depression. I applied for Universal Credit and waited until well in to July before any payment was forthcoming.....I have had two subsequent payments, each a different amount through 'sanctions'....sanctions have since been refunded however even my full entitlement doesn't cover my basic bills, i,e utilities, phone etc after my rent is paid....My children don't live with me permanently ( eldest is 18 so I understand she isn't in the equation)..but spend weekends etc with me but no account taken. I have a friend's funeral on Friday and can't even afford a haircut!....I've worked and paid tax all my life but signed off by the doctor from any work for now so I'm no scrounger.... I've been in touch with my MSP and MP who are inundated with Universal Credit complaints....I understand you don't get money for nothing but I feel I've given enough through my work over the last 32 years to merit enough help to feed and clothe myself until I'm fit enough to get back into the workplace....it simply isn't covering my basic living costs.... I don't know where to turn as Universal Credit is just an on line calculator with little or no human interaction and completely devoid of logical explanations.... Any suggestions to get rid of the tech and treat Every case on its own merits??...they assume wi fi and computer accessibility is a given....I rely totally on my mobile phone and I can't pay that bill this month so it's being disconnected in a week....I don't own a PCs and don't subscribe to wi fi...I have to go to a freind to get connected...I'm sure I'm not alone but this whole experience, rather than encouraging me back to work is making my health considerably worse...would be interested to hear if anyone has managed to get anywhere when appealing to UC....p.s my MP has commented that UC is simply camouflage for wholesale benefit cuts!!!

  • annie / 9 August 2016

    this is what this country wants everybody to be like so others can sit on their bloody ass while other take are bloody jobs

  • annie / 9 August 2016

    think this is appalling how do you expect to live 6 weeks when y daughter was given 145.00 to keep her and her two children for 6 bloody weeks after stopping her tax credits she had degraed her self by asking for a food bag and then had to wait 5 bloody days for it .now what is she going to do for the ne\xt 5 bloody weeks .this is a bloody laugh cheek gets

  • Sammy / 8 August 2016

    I was getting esa. But the only reason i had 2 claim universal credits was because i went went 2 claim housi g benifits n they told me i had 2 claim universal credits. So then my esa had 2 stop. I had my 1st payment on 16th july n was told my money wouldnt be less than what i was already getting but its nearly 300 less than what i was getting. Even online when do see ehat ur inttiled to tells u diffent to what they give you. Anyone know how 2 get the top so you on same money as before. As i was always told my money wont be less than be. I dont no how they can expect me 2 leave on 500 a month for me n my son thats be4 paying any bill.

  • Anne Marie Whitaker / 9 July 2016

    I was on ESA and received my payments every 2 weeks and my housing benefit once a month. I budgeted all my bills and outgoings very well. The outcome of my Medical Assessment was that I was transferred to Universal Credit. I got a final payment of ESA in the amount of £20 on Monday 4th July and found out that I won't get my payment of Universal Credit until 12th August. I don't know how anyone is supposed to live 6 weeks with no money! I claimed an advance payment which I was allowed and was paid £348.90. My rent is £380 and that is due on the 1st of the month. I have my usual bills to pay - gas, electric, phone, water rates, Council Tax - and that's apart from food! I will have to save the £348.90 so I can pay some of my rent when it's due. My landlord won't want to wait until the 12th August for his money and how do I ask for the utility companies to wait for their money? I was budgeting very well on my income and now I have very little and have to wait 6 weeks! How would a person who works manage if they were told when their monthly salary was due that they were only getting £20 and an advance of £348.90 and they had to wait 6 weeks for the rest of their money. How would they explain to their Mortgage company that they couldn't pay them and the utility companies and any other direct debits they had. How would they feed themselves and their family? I was asked at the jobcentre if I wanted to see someone who could help me manage my money. I was dumbstruck - I have no money to manage because of the system, not because I don't know how to manage money!

  • richard ratcliffe / 7 July 2016

    For the first time in my life i went to jobcentre to beg for bus fare to get to work !! im 45 been 10 weeks now and no help for rent ..my tax credits have stopped ..put on a course for infants . 2 and 2 is 4 ..self confidence back .....for now

  • mark henderson / 6 July 2016

    Waited 6 weeks got in rent arrears told 3 different dates the payment would be in my account then received a txt telling me i will receive a payment of 101.26 that day that does not cover the debt i have got myself into and rent still not sorted shambles is only way to describe universal credit i could honestly cry my eyes out the way im feeling feel like i am been punished for been layed off which may i point out didn't receive redundancy money

  • Debbie Barton / 28 June 2016

    I have been on universal credit for 3 months and its killing me off lve fell out with family and friends lm scared to open my front door incase its bailiffs coming to tske my things. I have 2 kids and cant afford to buy shopping l have nothing wot so ever lve asked them why my money is less cried my eyes heart and sole out to them begged them but all they say is nothing we can do you money will not be getting increased and thats that basically. I have never been so depressed in my life .

  • Joyce. FOWLER / 22 June 2016

    I am fully retired no work what so ever. When one is retired it. Is hard. To fill in.
    Thank Mrs J fowler

  • Karl Martin / 22 June 2016

    I really need help I have no money whats so ever I had a hardship money last week couldn't even pay rent as I owed money in bank and I still o money really struggling dont no what to do no more as my payment qent down I need bout £450 to get me bk on track please help Thanks

  • patrick kahuthu / 21 June 2016

    I want a loan pliz to boast my bussiness

  • patrick kahuthu / 21 June 2016

    Very nice

  • Patrick Smith / 21 June 2016

    I need to do a course in telehandler in what way can you help. The course cost 950 pounds.

  • steven beckett / 18 June 2016

    very interesting site

  • Robert Baxendale / 17 June 2016

    Yes i do please can u help me to get some money for me and please can you find some how how I can get £1500 pounds to loan please and thank you

  • Richard Robertson / 14 June 2016

    Very good help and advise

  • Meenakshi / 12 June 2016

    Confused about work coach. Where can I find them? Rest of the information is useful. Thank you

  • Maria francisca king de jesus / 11 June 2016

    I'm need for meditation for my mother was

  • Maria francisca king de jesus / 11 June 2016

    I'm need for meditation for my mother was

  • Daniel Fisher / 11 June 2016

    Please could someone who knows answer this question my E.S.A. benefit stopped on 03/06 and the first I knew was on 08/06. I put my claim in for U.C. the same day. will my claim start from 04/06 or do I lose eleven days.

  • Daniel Fisher / 10 June 2016

    My ESA. benefit was stop on 3 June. I got my letter the 8 June to say all benefits stopped. Big shock to find no last fortnights payment. only half a weeks money.
    It feels like they wished to stop that too. somehow that's got to last at least two months until I get U.C. and then get one months money. not happy.

  • Georgi Genov / 5 June 2016

    I whant credit for my future work.👍

  • mr goodwin / 31 May 2016

    I understand the changes ,but people can not ,repeat can not live on fresh air for six weeks

  • jaroslav / 29 May 2016

    i want take lons but the dont want to let me i want to ask why?

  • Ali issaq / 14 May 2016

    i want borrow £100 for short term of 1 month and i dont have a Guarantor how can u help me plz

  • Edirige srimal Soysa / 12 May 2016

    I'm sorry , my oll bill over dive can't manège . I'm not working last 14 month awaiting for the knee surgery. Place help me

  • Edirige srimal Soysa / 12 May 2016

    I'm sorry , my oll bill over dive can't manège . I'm not working last 14 month awaiting for the knee surgery .

  • Sagar ghadei / 12 May 2016

    Plight help me.

  • melanie / 3 May 2016

    i do have a stuggle paying my rent and bills, i do not know how am going to manange, i do not get any help .

  • c thorp / 27 April 2016

    if a British citizen has been abroad for more than 28 days they are not entitled to universal benefit - are there other benefits they can claim while they look for work and if not what are they supposed to live on?

  • Julie / 27 April 2016

    I think a lot of people are going to be in debt,depression and poverty as there is a long wait for payments. There are people who cannot get loans to pay for the food for their families. Others lack confidence to talk to utility providers.