The BBC website has published a number of articles about Universal Credit lately and a lot of them profile people who got into trouble after taking an advance on their payments. People take these advances because it’s not until five weeks after applying that a payment is made to the claimant.
The good news is that I’ve solved this problem for the government. It’s a two-step process.
Step 1. Apparently it takes seven days for a bank to transfer the government’s money to the claimant. This is ludicrous. I can transfer money between two accounts in less than two hours and I’m sure the government has more oomph with banks than me. Is the additional six days and 22 hours it takes the government to transfer their money because they route it through the remnants of Pablo Escobar’s drug cartel in Mexico in order to ‘clean’ it? The government should simply demand a modern bank account.
Step 2. Universal Credit is paid monthly, which is fine for the long-term I suppose. However, it’s clear it’s the initial wait for the first payment that’s causing a lot of people problems, so how about making the first two payments on a fortnightly schedule?
And there we are — problem solved. I’ve slashed the wait from five weeks to two by applying nothing more than common sense and I’ve assured myself a knighthood in the process.