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delivering promises, improving lives
Changing State ...! Beyond Welfare Reform
Kevin DoddWakefield and District Housing
delivering promises, improving lives
Where is Wakefield?
delivering promises, improving lives
Thoughts!
delivering promises, improving lives
=
Reduced Income
Universal Credit Equation
Arrears Cost of Collection
Bank Charges
Cost of Admin
Cost of Cash Flow
x 20,000
+ + + +
+ Bedroom Tax
Viability
delivering promises, improving lives
For tenants to have the choice!
Why did WDH want to be involved in the
Demonstration Project?
delivering promises, improving lives
What we are trying to understand?
• Evaluate the impact on claimants
• Test and further develop the trigger points
for making payments to landlords
• Evaluate the best / most effective forms of
support to help individuals to pay their rent
• Develop a definition of vulnerable groups
delivering promises, improving lives
Cognitive DissonanceThe Conversation!
• Governments View - people are rational beings
• Housing View - change a person’s beliefs to change their behaviour
• Governments View - reframing - help to re-examine beliefs and develop healthier ways of viewing the situation
delivering promises, improving lives
Blue Red Green Yellow Black Orange Pink Violet Blue Black Red Orange Pink Green Yellow
Blue Red Green Blue Red Black Orange Pink Violet
Orange Green Pink Yellow Green Orange Blue Red Black Blue Orange Pink Green Blue
Red Black
The Stroop Effect
delivering promises, improving lives
WDH’s Income Profile
• £49m – Pensioners
• £67m – Working Age Tenants
- £27m – Low Income Household
- £40m – Housing Benefit
• £116m – Annual Rent
delivering promises, improving lives
Impact of Universal Credit
• £40m – Housing Benefit
• £3m – Under Occupancy
• £27m – Low Income
£70m – At Risk
delivering promises, improving lives
The Project• Over 1,000 tenants have received
Direct Payments
• None initially assessed as in need of high level support
• Over 50% use Direct Debit for all or some part of payments
• Approximately 20% have internet access
delivering promises, improving lives
Story So Far…!
• Payments £250k a month
• 50% of tenants are making partial payment
• 199 tenants have reverted back - no evictions
• Admin costs £250+ tenant
• Debt £180 per tenant
delivering promises, improving lives
Case Studies
- £3,300 - £800
- £100 £0
delivering promises, improving lives
Responsibilities!
Cleared
utility bills
Banks
paid debt
s
Had a
bereavem
ent
Cash machine limited withdrawal
Bought
school
unifor
ms
Didn’t know
money had gone
into account
Bought
chocolate
Paid
doorste
p lender
Paid
Vet
bills
delivering promises, improving lives
Bedroom Tax: The Sting…!
= £100k per week
delivering promises, improving lives
Current Tenant Residential Arrears
£3,000,000
£3,500,000
£4,000,000
£4,500,000
£5,000,000
Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
2011/12 2012/13 2013/14
£0
£500,000
£1,000,000
£1,500,000
£2,000,000
£2,500,000
£3,000,000
£3,500,000
£4,000,000
£4,500,000
£5,000,000
Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
Projected Debt?
Current Tenant Residential ArrearsBased on trends since 2010/11
£0
£500,000
£1,000,000
£1,500,000
£2,000,000
£2,500,000
£3,000,000
£3,500,000
£4,000,000
£4,500,000
£5,000,000
Apr May Jun Jul Aug Sep Oct Nov Dec Jan Feb Mar
2011/12 2012/13 2013/14
delivering promises, improving lives
Digital Gilberts…..!
delivering promises, improving lives
Digital Transformation
• Mobile Working
• CRM System
• Portable Devices
• Virtual Desktops
• Smartphones
delivering promises, improving lives
Barriers to Success
‘E-literacy’
delivering promises, improving lives
Direct Debit v’s Social Value
Cash Wise Debt Employment Advisors
Health and Inequality
£1 : £3+
delivering promises, improving lives
The Future…?
WDH Offer
delivering promises, improving lives
Challenges: Planes, Boats and Trains…!
delivering promises, improving lives
Income vs
Expenditure
The Game Plan...!