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DWP Snooping

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By *idnight Rambler OP   Man
over a year ago

Pershore

The government are contemplating giving the DWP powers to access the bank accounts of benefits claimants. Is this an intrusion of privacy, or is it reasonable to check the financial status of those living off the public purse? In any event, it would probably just be a boost for crypto currency.

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By *estivalMan
over a year ago

borehamwood

Last time i signed on about 15 yrs ago you had to show them the a copy of the last bank statement after becoming unemployed, you did used to be able to have about 9 grand in savings and be able to claim but think its been dropped down to somewhere between 4 and 6 grand now

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By *ouple in LancashireCouple
over a year ago

in Lancashire

Wonder if they're also going to apply the same level of intrusion into all those who evade paying tax..

It looks like another deflection, bit of red meat to the party base..

Benefits fraud is wrong of course but compared to tax evasion it's possibly a bit less..

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By *idnight Rambler OP   Man
over a year ago

Pershore


"Wonder if they're also going to apply the same level of intrusion into all those who evade paying tax..

It looks like another deflection, bit of red meat to the party base..

Benefits fraud is wrong of course but compared to tax evasion it's possibly a bit less.."

HMRC already enjoy huge powers of investigation and even arrest. Amongst the most empowered organisations in our system. You cross them at your peril.

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By *orleymanMan
over a year ago

Leeds


"The government are contemplating giving the DWP powers to access the bank accounts of benefits claimants. Is this an intrusion of privacy, or is it reasonable to check the financial status of those living off the public purse? In any event, it would probably just be a boost for crypto currency."

They already had this power.

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By *orleymanMan
over a year ago

Leeds

I dont kniw if there's a misinterpretation of a bill. Or these are some new powers.

I can guarantee you though I worked about 200 rfi's in my time at a bank from dwp

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By *idnight Rambler OP   Man
over a year ago

Pershore


"The government are contemplating giving the DWP powers to access the bank accounts of benefits claimants. Is this an intrusion of privacy, or is it reasonable to check the financial status of those living off the public purse? In any event, it would probably just be a boost for crypto currency.

They already had this power."

It's part of the government's crackdown on fraud - a monthly check by DWP of claimant's bank(s). As I mentioned above, crypto would get around this so easily it's hardly worth the effort.

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By *orleymanMan
over a year ago

Leeds


"The government are contemplating giving the DWP powers to access the bank accounts of benefits claimants. Is this an intrusion of privacy, or is it reasonable to check the financial status of those living off the public purse? In any event, it would probably just be a boost for crypto currency.

They already had this power.

It's part of the government's crackdown on fraud - a monthly check by DWP of claimant's bank(s). As I mentioned above, crypto would get around this so easily it's hardly worth the effort."

Crypto wouldn't get around money being paid by dwp.

You can buy certain things from.crypto mainly illegal.

But you still need to change it to fiat for mostly day to.day. which then comes into the bank.

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By *ired_upMan
over a year ago

ashton

Thats how they have sold it.

Benefit claimants.

You know who the biggest benefit claimants are? Pensioners.

That's what this bill is there to introduce. As allready pointed out they had this for work age benefits a long time ago.

This bit of law is only there to set up some future government to means test pensions.

Now if you agree with that or not that's one thing. But to not be honest with people is another.

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By *opinovMan
over a year ago

Point Nemo, Cumbria


"Thats how they have sold it.

Benefit claimants.

You know who the biggest benefit claimants are? Pensioners.

That's what this bill is there to introduce. As allready pointed out they had this for work age benefits a long time ago.

This bit of law is only there to set up some future government to means test pensions.

Now if you agree with that or not that's one thing. But to not be honest with people is another. "

Yep, hit the nail on the head. You can be certain means testing pensions will soon find its way onto the list of measures to pay for tax cuts - and by 'tax cuts' you can be damn sure they mean only for top 5% earners and non-doms... but they won't tell you that bit.

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By *mateur100Man
over a year ago

nr faversham


"Thats how they have sold it.

Benefit claimants.

You know who the biggest benefit claimants are? Pensioners.

That's what this bill is there to introduce. As allready pointed out they had this for work age benefits a long time ago.

This bit of law is only there to set up some future government to means test pensions.

Now if you agree with that or not that's one thing. But to not be honest with people is another.

Yep, hit the nail on the head. You can be certain means testing pensions will soon find its way onto the list of measures to pay for tax cuts - and by 'tax cuts' you can be damn sure they mean only for top 5% earners and non-doms... but they won't tell you that bit."

Presumably pensioners are entitled to what they are claiming!

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By *opinovMan
over a year ago

Point Nemo, Cumbria


"Thats how they have sold it.

Benefit claimants.

You know who the biggest benefit claimants are? Pensioners.

That's what this bill is there to introduce. As allready pointed out they had this for work age benefits a long time ago.

This bit of law is only there to set up some future government to means test pensions.

Now if you agree with that or not that's one thing. But to not be honest with people is another.

Yep, hit the nail on the head. You can be certain means testing pensions will soon find its way onto the list of measures to pay for tax cuts - and by 'tax cuts' you can be damn sure they mean only for top 5% earners and non-doms... but they won't tell you that bit.

Presumably pensioners are entitled to what they are claiming!"

Yes, well you'd hope so - but we've seen so much of our nation's wealth and assets thieved to line the off-site pockets of the super-rich in exchange for party donations (as if there'd ever be no quid pro quo) that thetes precious little left to rob. They've had all our infrastructure and utilities, so once they've divvied up the remains of our health service there'll only be our pensions left for them to steal... and steal them they most certainly will, cheered on by the very same morons they're robbing.

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By *irldnCouple
over a year ago

Brighton


"Thats how they have sold it.

Benefit claimants.

You know who the biggest benefit claimants are? Pensioners.

That's what this bill is there to introduce. As allready pointed out they had this for work age benefits a long time ago.

This bit of law is only there to set up some future government to means test pensions.

Now if you agree with that or not that's one thing. But to not be honest with people is another.

Yep, hit the nail on the head. You can be certain means testing pensions will soon find its way onto the list of measures to pay for tax cuts - and by 'tax cuts' you can be damn sure they mean only for top 5% earners and non-doms... but they won't tell you that bit.

Presumably pensioners are entitled to what they are claiming!"

There’s a widely held misunderstanding around the state pension and national insurance. Because many people (not all) “pay into” a private pension and/or a workplace pension, they think they are “paying into” their state pension.

They aren’t.

There is no pension pot for the state pension.

It is basically a giant Ponzi scheme with the pensions being paid out today funded from the NI being paid by today’s workers. There is kind of an inter-generational pact (not supported by law or legislation in any way) that the next generation of workers will be funding our state pensions.

The state pension is a universal benefit. People haven’t earned it or paid in. It is also going to become increasingly unviable as pensioners live longer and if the working population decreases.

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By *idnight Rambler OP   Man
over a year ago

Pershore


"Thats how they have sold it.

Benefit claimants.

You know who the biggest benefit claimants are? Pensioners.

That's what this bill is there to introduce. As allready pointed out they had this for work age benefits a long time ago.

This bit of law is only there to set up some future government to means test pensions.

Now if you agree with that or not that's one thing. But to not be honest with people is another.

Yep, hit the nail on the head. You can be certain means testing pensions will soon find its way onto the list of measures to pay for tax cuts - and by 'tax cuts' you can be damn sure they mean only for top 5% earners and non-doms... but they won't tell you that bit.

Presumably pensioners are entitled to what they are claiming!

There’s a widely held misunderstanding around the state pension and national insurance. Because many people (not all) “pay into” a private pension and/or a workplace pension, they think they are “paying into” their state pension.

They aren’t.

There is no pension pot for the state pension.

It is basically a giant Ponzi scheme with the pensions being paid out today funded from the NI being paid by today’s workers. There is kind of an inter-generational pact (not supported by law or legislation in any way) that the next generation of workers will be funding our state pensions.

The state pension is a universal benefit. People haven’t earned it or paid in. It is also going to become increasingly unviable as pensioners live longer and if the working population decreases."

In one sense state pensions are a Ponzi, because there is no retained 'pot' (as you say). On the other hand, governments have unique powers of revenue collection, so future payout is virtually guaranteed. But yes, it's pretty much impossible to live off the state pension alone.

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By *irldnCouple
over a year ago

Brighton

[Removed by poster at 09/12/23 09:22:26]

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By *idnight Rambler OP   Man
over a year ago

Pershore


"Thats how they have sold it.

Benefit claimants.

You know who the biggest benefit claimants are? Pensioners.

That's what this bill is there to introduce. As allready pointed out they had this for work age benefits a long time ago.

This bit of law is only there to set up some future government to means test pensions.

Now if you agree with that or not that's one thing. But to not be honest with people is another.

Yep, hit the nail on the head. You can be certain means testing pensions will soon find its way onto the list of measures to pay for tax cuts - and by 'tax cuts' you can be damn sure they mean only for top 5% earners and non-doms... but they won't tell you that bit.

Presumably pensioners are entitled to what they are claiming!

There’s a widely held misunderstanding around the state pension and national insurance. Because many people (not all) “pay into” a private pension and/or a workplace pension, they think they are “paying into” their state pension.

They aren’t.

There is no pension pot for the state pension.

It is basically a giant Ponzi scheme with the pensions being paid out today funded from the NI being paid by today’s workers. There is kind of an inter-generational pact (not supported by law or legislation in any way) that the next generation of workers will be funding our state pensions.

The state pension is a universal benefit. People haven’t earned it or paid in. It is also going to become increasingly unviable as pensioners live longer and if the working population decreases.

In one sense state pensions are a Ponzi, because there is no retained 'pot' (as you say). On the other hand, governments have unique powers of revenue collection, so future payout is virtually guaranteed. But yes, it's pretty much impossible to live off the state pension alone.

Yes but I was responding directly to this point...

Presumably pensioners are entitled to what they are claiming!

There is no entitlement. Perhaps morally there is. I don’t think future payout is guaranteed. As others have said, I think eventually the state pension will be means tested as unsustainable."

The demographic of oldies will make it hard for a government to renege on state pensions I think. The triple lock has survived (so far). The problem we have is that the benefits 'cake' has to cover so many classes of claimant it becomes impossible to make 'fair' payments to everybody. Down to priorities I guess. Choose from pensioners, disabled, school meals, immigrant hotels, single mothers, workshy .......

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By *uddy laneMan
over a year ago

dudley


"The government are contemplating giving the DWP powers to access the bank accounts of benefits claimants. Is this an intrusion of privacy, or is it reasonable to check the financial status of those living off the public purse? In any event, it would probably just be a boost for crypto currency."

Or the bank of mattress.

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By *ostindreamsMan
over a year ago

London

For every social welfare system that you sign up for, there is always some level of personal rights that you give away. Take the case of NHS. "Sustaining the NHS" can be used as an excuse for basically anything. The recent attempt to ban smoking, lockdowns, etc. can easily be justified by saying that it helps reduce load on NHS. I guess the benefits system isn't any different?

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By *ess n BenCouple
over a year ago

Didcot

I know a guy who told me the DWP already have the power to look into personal bank accounts of people who claim from them

He should know he works for the DWP

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By *0shadesOfFilthMan
over a year ago

nearby

Not sticking up for benefit cheats but what about all the dodgy tax avoidance of those at the top

Baroness Mone £203M

Ex chancellor Zahawi tax fraud

PM spouse was eight years non dom avoiding millions

67000 other non doms

Off shoring profits, Starbucks and others

Large property portfolios owned via offshore beneficial ownership companies and tax structures

The monarch stealing from dead peoples estates

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By *opinovMan
over a year ago

Point Nemo, Cumbria


"Not sticking up for benefit cheats but what about all the dodgy tax avoidance of those at the top

Baroness Mone £203M

Ex chancellor Zahawi tax fraud

PM spouse was eight years non dom avoiding millions

67000 other non doms

Off shoring profits, Starbucks and others

Large property portfolios owned via offshore beneficial ownership companies and tax structures

The monarch stealing from dead peoples estates "

Oh no, we couldn't possibly touch any of those - far too many Tory party funders to upset there, so we can't risk that income stream can we. No no, instead we'll just keep skimming it from the folks who never vote for us anyway and the red wallers who'll vote for us regardless 'cos they're too thick to see what we're doing. If we demonise a few refugees and benefit claimants that'll create enough uproar among the gammons to keep it out the limelight.

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By *orleymanMan
over a year ago

Leeds


"Not sticking up for benefit cheats but what about all the dodgy tax avoidance of those at the top

Baroness Mone £203M

Ex chancellor Zahawi tax fraud

PM spouse was eight years non dom avoiding millions

67000 other non doms

Off shoring profits, Starbucks and others

Large property portfolios owned via offshore beneficial ownership companies and tax structures

The monarch stealing from dead peoples estates

"

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By *rDiscretionXXXMan
over a year ago

Gilfach


"The monarch stealing from dead peoples estates"

I think you mean 'the Monarch, following the law by collecting the estates of those that died intestate in certain circumstances'. You can't steal something if nobody owns it, and dead people can't own things.

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By *hawn ScottMan
over a year ago

london Brixton

Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

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By *hawn ScottMan
over a year ago

london Brixton

just googled this and yes they are currently drawing up a bill to put through parliment vote.

If it happens flush your freedom down the toilet!

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By *uddy laneMan
over a year ago

dudley


"just googled this and yes they are currently drawing up a bill to put through parliment vote.

If it happens flush your freedom down the toilet!"

You could always choose not to have any dealings with the dwp, freedom not to be snooped on.. intact.

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By *hawn ScottMan
over a year ago

london Brixton


"just googled this and yes they are currently drawing up a bill to put through parliment vote.

If it happens flush your freedom down the toilet!

You could always choose not to have any dealings with the dwp, freedom not to be snooped on.. intact. "

That's hardly the point it's the thin end of the wedge. What comes after that? In fact we are partly there. The UK has the most cctv in any country in the world, it was introduced as terrorism prevention but is being used to track and fine people who drop litter. That was not it's intended use

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By *hawn ScottMan
over a year ago

london Brixton


"I know a guy who told me the DWP already have the power to look into personal bank accounts of people who claim from them

He should know he works for the DWP "

Can you please elaborate? What exactly is the process for this? I'm assuming that regular staff just can't snoop into people's bank accounts when they feel like it?

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By *uddy laneMan
over a year ago

dudley


"just googled this and yes they are currently drawing up a bill to put through parliment vote.

If it happens flush your freedom down the toilet!

You could always choose not to have any dealings with the dwp, freedom not to be snooped on.. intact.

That's hardly the point it's the thin end of the wedge. What comes after that? In fact we are partly there. The UK has the most cctv in any country in the world, it was introduced as terrorism prevention but is being used to track and fine people who drop litter. That was not it's intended use"

People vote political parties into office to legislate, it is all done under the vote and the sun, people will eventually vote themselves illegal and surpluses to requirement.

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By *hawn ScottMan
over a year ago

london Brixton

Well at least we still have the freedom to vote!

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By *uddy laneMan
over a year ago

dudley


"Well at least we still have the freedom to vote!"

But you never get what was promised when you voted.

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By *exy_HornyCouple
over a year ago

Leigh


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

"

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy.

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By *oversfunCouple
over a year ago

city centre


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy."

Do you that should just for benefit claimants or anyone asking for a gov handout?

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By *oversfunCouple
over a year ago

city centre

Should read

Do you think

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By *hawn ScottMan
over a year ago

london Brixton


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy."

Its one thing to ask to produce bank statments if they are suspeccted of benefit fraud. Its another to poke around your account in real time without your permission.

Would you like someone being able to snoop around in your bank acccount when they felt like it?

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By *hawn ScottMan
over a year ago

london Brixton

Oh and your bank accounts are 100% confidental, no one currently has the right to look at it without your permission

The only exception is the intelligence services and thats only if you are suspected of terrorism

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By *exy_HornyCouple
over a year ago

Leigh


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy.

Do you that should just for benefit claimants or anyone asking for a gov handout?"

Any means tested handout.

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By *exy_HornyCouple
over a year ago

Leigh


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy.

Its one thing to ask to produce bank statments if they are suspeccted of benefit fraud. Its another to poke around your account in real time without your permission.

Would you like someone being able to snoop around in your bank acccount when they felt like it?"

Would I like it? No.

However there is way too much fraud so any reasonable methods to reduce fraud are valid.

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By *hawn ScottMan
over a year ago

london Brixton


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy.

Its one thing to ask to produce bank statments if they are suspeccted of benefit fraud. Its another to poke around your account in real time without your permission.

Would you like someone being able to snoop around in your bank acccount when they felt like it?

Would I like it? No.

However there is way too much fraud so any reasonable methods to reduce fraud are valid."

You are totally missing the point! There are processes in place to prevent fraud without resorting to draconian measures. What comes next? Your landlord/mortgage lender being about to look at your account to see how you're spending your money? Your employer being able to listen to your private conversations?

Ahhh what's the point, I'm out

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By *opinovMan
over a year ago

Point Nemo, Cumbria


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy.

Do you that should just for benefit claimants or anyone asking for a gov handout?

Any means tested handout."

A state pension isn't a "handout", or money were asking for or scrounging. It's a pension into which we have made both compulsory and voluntary contributions all throughout our working lives. We've paid for it on the basis of an agreement - a contract if you like - that we will receive it to live on when we reach retirement age. It's ours by right.

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By *hawn ScottMan
over a year ago

london Brixton

No one is saying the state pension is a handout or pensioners don't deserve it but its classed as a benefit!

The state pension is a benefit payment available to the majority of people when they reach the current State Pension age. It is a universal, non-means tested benefit available to all, so long as they have made the requisite National Insurance contributions or credits.

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By *oversfunCouple
over a year ago

city centre


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy.

Its one thing to ask to produce bank statments if they are suspeccted of benefit fraud. Its another to poke around your account in real time without your permission.

Would you like someone being able to snoop around in your bank acccount when they felt like it?

Would I like it? No.

However there is way too much fraud so any reasonable methods to reduce fraud are valid."

How much fraud is there ?

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By *or7Man
over a year ago

bath

I'd much prefer it if they concentrated on trying not to hand out contracts to unqualified mates and donors, 'legal' tax avoidance etc.

Quite why people believe the BS that the people at the bottom are to blame for hard times is beyond me.

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By *idnight Rambler OP   Man
over a year ago

Pershore


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliament we would be living in a totalitarian country!

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy.

Its one thing to ask to produce bank statments if they are suspeccted of benefit fraud. Its another to poke around your account in real time without your permission.

Would you like someone being able to snoop around in your bank acccount when they felt like it?

Would I like it? No.

However there is way too much fraud so any reasonable methods to reduce fraud are valid.

How much fraud is there ?"

The gross figure of benefit overpayment through fraud/error is over £8billion. But there is some underpayment in the same category, and the net figure is around £5billion. But it depends how you define fraud. I know people claiming benefits officially meeting the rules but perfectly capable of a days work. I see them out jogging, allotmenting etc.

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By *exy_HornyCouple
over a year ago

Leigh


"Yes currently they can ask to to provide statements. As for being able to check your bank account in real time without your permission would be a severe invasion of privacy!

if such a bill passed parliment we would be living in a totalitarian country!

Why?

If people are asking for a handout then surely it is right that their eligibility is checked.

It is not snooping at all. If you don't like it, don't go asking for money.

Unfortunately it doesn't address the problem of the cash economy.

Its one thing to ask to produce bank statments if they are suspeccted of benefit fraud. Its another to poke around your account in real time without your permission.

Would you like someone being able to snoop around in your bank acccount when they felt like it?

Would I like it? No.

However there is way too much fraud so any reasonable methods to reduce fraud are valid.

How much fraud is there ?"

According to gov.uk it was 3.6% (or £8.3 bn) last year. A quick scan of the breakdown shows Universal Credit to be the worst area, with most fraud due to failure to declare capital, earnings or living together.

So checking bank accounts is valid.

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By *ik MMan
over a year ago

Lancashire


"Oh and your bank accounts are 100% confidental, no one currently has the right to look at it without your permission

The only exception is the intelligence services and thats only if you are suspected of terrorism "

None of this is anywhere close to being true

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By *ools and the brainCouple
over a year ago

couple, us we him her.

I can't see a problem if you have nothing to hide and require benefits.

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By *lan157Man
over a year ago

a village near Haywards Heath in East Sussex

State pension is not a "benefit" . Only the " pension credit" is a benefit if received . If you followed that logic everybody receiving the state pension would be a "benefit claimant ". Whilst state pension payments are funded out of current tax and nic receipts it's " sold" to us as something you pay for over your lifetime working. Governments cannot have it both ways. What alienates me is successive governments telling us that we must save for retirement with private pension schemes and NEST etc and then having done so you are described by some political groups as "rich" for having a modest retirement fund and should pay more tax on capital invested and funds drawn down in excess of what could be termed as normal tax on earnings .

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By *ools and the brainCouple
over a year ago

couple, us we him her.


"Oh and your bank accounts are 100% confidental, no one currently has the right to look at it without your permission

The only exception is the intelligence services and thats only if you are suspected of terrorism "

Custom's and excise have power's far beyond that of most organisations and can do pretty much what they want if they feel they have justification.

They can dismantle your car right down to the smallest nut and bolt and don't have to put it back together again!

So a bank account is easy peasy.

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By *ik MMan
over a year ago

Lancashire


"Oh and your bank accounts are 100% confidental, no one currently has the right to look at it without your permission

The only exception is the intelligence services and thats only if you are suspected of terrorism

Custom's and excise have power's far beyond that of most organisations and can do pretty much what they want if they feel they have justification.

They can dismantle your car right down to the smallest nut and bolt and don't have to put it back together again!

So a bank account is easy peasy."

Wrong, wrong and wrong

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