Jocelle Lovell Financial Inclusion Champion and Manager Wales Co-operative Centre

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1 Jocelle Lovell Financial Inclusion Champion and Manager Wales Co-operative Centre

2 THFI Recap. Work in collaboration with LA s, Credit Unions, private landlords & their tenants to sustain tenancies, through better money management and prepare people for changes to WR. In particular promoting the use of the CU rent account as an alternative to direct payment to landlords. The project ran between

3 THFI Recommendations 1.The private rented sector should be recognised as a strategic housing partner alongside local authorities and social landlords. 2. A module on financial inclusion should be included in any redesign of the landlord registration scheme proposed under the Housing (Wales) Act Private landlords should introduce affordability checks at pre-tenancy stage, building on the best practice developed in the social housing sector, to ensure tenants are aware of the true running costs of the property.

4 4. Local authorities should continue to develop their relationship with their local credit union, and where appropriate, consider the use of credit union rent accounts as a preventative tool. 5. Landlords and local authorities need to develop sustainable approaches to accessing services and advice to resolve rent and tenancy issues, whilst local communication channels are still in place with Housing Benefit teams. 6. Overcome data protection issues by establishing appropriate data sharing protocols, such as the Wales Accord on the Sharing of Personal Information (WASPI). 7. Undertake research to identify cost of a person or household becoming homeless. This figure can then be used as a baseline for organisations in Wales to evidence cost savings of preventative work.

5 What did we learn? A one size fits all approach is less effective than a person centred approach.

6 One size fits all v person centred approach. UC first announced housing market went into melt down and Credit Unions were being promoted as a solution. Barrier to moving this forward, cost. 5 x 13 payments x 2000 tenants = 130K! Hindsight and hopefully now where the housing sector is thinking, not every tenant needs a CURA.

7 What we need.. A range of products and services: CURA Basic bank account Fully functional account Our aim should be to move people appropriately along the scale as they improve their financial capability. This may require additional upfront resources but overtime would be more sustainable as people become more capable.

8 We used the findings from THFI to secure two years funding from Comic Relief. This has allowed us to develop our work in the PRS and expand our delivery area to include Anglesey. The project will run between Jan 2015 December 2016.

9 Your Money Your Home We have a window of opportunity to help tackle financial exclusion of PRS tenants in Wales, and to prepare people for the introduction of Universal Credit.

10 How will we deliver the project? By carrying out home visits, drop in sessions, and telephone appointments for tenants in the private rented sector who are at risk of homelessness due to financial vulnerability. We will complete a detailed questionnaire that will help us work with the tenant to identify next steps required to sustain their tenancy. Where appropriate, tenants will be referred to specialist advice and support services. By developing online tools to assist tenants and landlords, utilising the Money Made Clear Wales website. Digitally excluded tenants will be provided with local information on free access points and training.

11 By delivering financial awareness training to landlords, local authority and third sector staff. By facilitating focus groups with each group of stakeholders i.e. tenants By influencing future policy by way of responding to consultation s relating to housing, tackling poverty and financial inclusion. By sharing the project s findings with stakeholders across Wales and the UK.

12 Key achievements: Anglesey County Council confirmed as our North Wales delivery partner Inaugural meeting of the projects steering group Guest blog week The importance of preparing for Universal Credit Established our monitoring & evaluation framework BBC Radio Wales Eye on Wales panel debate on Universal Credit. Working with 70 tenants.

13 Stats from quarter 1.. Of the 70 tenants we have worked with to date: 85% are aged between % had little or no awareness of what effect the benefit changes (UC) would have on them personally. Tenants biggest concern was moving from fortnightly to monthly budgeting. 39% had borrowed money in the past 12 months, with the two most common sources being doorstep lenders and JCP social fund. 10% had little or no understanding of the consequences of not repaying their debt.

14 63% had struggled to pay rent or essential household bills in the past 12 months. 78% had no money left after paying bills and only 3% were able to save. 34% suffered from a form of mental illness. 14% had rent arrears of which 70% were making no repayments. 71% were able to get online via phones, home PCs or using friends & family, but 39% would not be confident completing a job application or benefits form online. 53% of tenants required referrals to be made to other services, the top three being discretionary housing payments (DHP), discretionary assistance fund (DAF) and personal independence payments (PIP).

15 Emerging themes Tenants had no or little savings Tenants not accessing support Very little awareness of how UC will affect them Biggest concern is moving from fortnightly to monthly payments Tenants not confident getting online and using budgeting tools etc

16 Further Information Find us on twitter by following our Monitoring & Evaluation using the hashtag #ymyh THFI Legacy Report:

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