Many families in Eastern England one pay cheque away from loosing their homes

HUNDREDS of thousands of families with children in the East of England could not pay their rent or mortgage for more than a month if they lost their job, new figures from Shelter reveal today (Monday, April 14). The YouGov survey of working adults who pay rent or a mortgage found that with little or no savings to fall back on, 45% of all working families in the East could be just one pay cheque away from losing their home. The research also found that in the east of the country, a quarter of all families face the nightmare scenario of immediately being unable to afford their home if they lost their income. More than 200,000 families (26%) said that if they lost their job this month and could not get another one straight away, they would not be able to make their next rent or mortgage payment from their savings. Kate Murray lives with her five year old daughter and disabled mother. She lost her job as a business manager with only three days’ notice when the company she worked for went bankrupt in October 2013. Kate said: “Before my employer went bankrupt they hadn’t been paying me properly for a while, so I’d started to fall behind on my mortgage. Then I got the letter through the door saying they wanted to take my house back. I was petrified. It’s not the best house but at least it’s our house. I thought, what am I going to do? How am I going to tell my daughter and my mum that we have to move out?” The latest government figures on savings mirror Shelter’s research, revealing that there are 15m working age adults in the UK with no savings at all. The charity’s findings showed that 3.8m working families from across the UK could not pay their rent or mortgage from their savings for more than a month if they lost their job, and 2.4m of these families have no savings to fall back on at all. Liz Clare, who is a helpline advisor at Shelter, said: “This research highlights the financial knife-edge that millions of us now find ourselves on – living month to month, pay cheque to pay cheque. Every day we see the proof that just one piece of bad luck, like a sudden job loss or illness, could tip any of us into a spiral that puts the family home at risk. “Sky-high housing costs and stagnating wages mean that saving is becoming a thing of the past for many people. Most of us simply don’t have enough money in the bank that we can rely on for long enough to get back on our feet. We need better government support to give families the short-term help they need to keep their homes if they fall on hard times. Campbell Robb, chief executive of Shelter, said: “Finding another job is hard enough, but without a stable place to live it’s almost impossible. No matter how hard ordinary families work, in today’s ‘knife-edge nation’ any drop in income can all too quickly put their home at serious risk. The government must make sure the safety net is strong enough to stop families falling through the gaps, and going through the tragedy of losing their homes.” Anyone who is worried about losing their home can contact Shelter for free, independent advice. Visit www.shelter.org.uk/advice or call the helpline on 0808 800 4444. Written bySINEAD HOLLAND http://www.hertsandessexobserver.co.uk/News/Bishops-Stortford/Families-in-the-East-of-England-one-pay-cheque-away-from-losing-homes-20140414055855.htm?utm_medium=twitter&utm_source=twitterfeed

Standing in solidarity with those affected by the bedroom tax

I have a confession. I am not directly affected by the bedroom tax which will from this month affect those in social housing and housing association housing who have a spare room. But I do stand in full solidarity and will defend anyone affected by this wicked and spiteful attack on the poorest in society. It’s not enough to oppose this in words this most likely will take the form of direct action to stop and eventually scrap all together. We need the spirit of the poll tax to make this tax simply unworkable. From April the 'bedroom tax' will mean that social housing tenants with spare rooms will have their benefits cut. This will hit 660,000 households including many disabled people and low-paid workers. Tenants are faced with an impossible choice of moving from their family homes or being left with a much smaller income. Many will simply be unable to find smaller homes in the social sector because they don't exist. For example, in Newcastle 6,637 families are hit but there are only 50 one-bed homes available. Some will be forced to move to privately rented flats which, because they are more expensive, will actually mean they need more in benefits. There has been a wave of opposition from working class communities. On Merseyside 'One Vision Housing' provoked protests by trying to force tenants to sign a disclaimer accepting that they would face legal action if they didn't pay rent as a result of the bedroom tax. The resistance has already had an effect with the government saying it will introduce exceptions for families with severely disabled children and adult children in the armed forces as well as counting foster children in room allowances. Unworkable Some councils and landlords have seen how unworkable the tax is and have made concessions and come out publicly against the tax. Faced with a growing protest movement, Dundee council has passed a motion agreeing not to evict as a result of arrears caused by the tax for a "transitional period of one year." The policy has been justified as a means to use the social housing stock more efficiently - given the shortage, why should people have a 'spare' room? But the shortage is a result of government policy. This government came into office claiming it was committed to "get Britain building". In fact, house-building figures released in February show an 11% decrease in the number of new homes started in the last year, down to just 98,280. In 2010, the government cut spending on social housing and promised that de-regulation and freeing up the market would increase house building: it didn't! Even the CBI, the 'bosses union', has called on the government to spend £1.25 billion on building 50,000 new homes. Writing in the Guardian, Zoe Williams recently highlighted the fact that as government support for building social housing has fallen the benefit bill has increased, and house building has collapsed. As she put it: "Let's build more homes - who wouldn't vote for that?" Build TUSC But it is hard to vote for it when none of the major parties stand for it. Some Labour politicians have spoken out against the hardship caused by the bedroom tax but they accept the idea of both a bedroom tax and a benefit cap - they just say they oppose this one. That is the importance of building the Trade Unionist and Socialist Coalition as an alternative, arguing for homes not profit. Nationalising the banks and using them to support a programme of house building would put building workers back in work and offer a real prospect of solving the housing crisis.

Answering workers fears on immigration

The Con-Dem government grows more unpopular by the day. Endless austerity is combined with falling living standards, rising unemployment, and no prospect of a return to economic growth. If anger at austerity was harnessed into a mass, united movement the Con-Dems could be forced to call a general election within months. Tory Prime Minister David Cameron knows this. Desperate to creep up a few points in the opinion polls, under pressure from the Eastleigh byelection result of right-wing nationalist Ukip, Cameron is attempting to tap into many workers' concerns about the potential consequences of increased immigration. This is an attempt to divide the movement against austerity. The trade union movement needs to respond by launching a serious united struggle - starting with a 24-hour general strike - against those who are really responsible for the misery we face; this government of millionaires and the capitalist system it defends. Trade unions must warn that the Con-Dems will attempt to use limiting access to public services for immigrants as the thin end of the wedge to attack universal access to essential services and benefits. However, the trade union movement also has a duty to answer the fears of some workers about increased immigration. Over the last decade there has been a rapid increase in the number of people, mainly from other parts of the EU, who have come to Britain to live and work. This is a major factor in the increase of around two million in Britain's population in the last five years. A small minority of new arrivals in Britain move to wealthy areas like Kensington and Chelsea - but they are almost all foreign fat cats and Cameron is more than happy to hobnob with them. The vast majority of new arrivals, however, join the ranks of the poorest sections of the working class. Increased population density has overwhelmingly taken place in working class communities with already over-stretched public services and over-crowded housing. Against this background it is inevitable that tensions exist about who does, and does not, get the limited public services that are available. It is on the question of housing that these tensions are particularly acute. By declaring that EU immigrants are to be kept off housing waiting lists for at least two years, Cameron is encouraging the idea that people from other countries are taking a disproportionately large share of social housing, and that this is causing the current acute housing crisis, where over five million people are on the waiting lists. Is this true? Increased population has increased demand for social housing, but it is the complete absence of any other option for millions of people born in Britain that is the central reason for the increase in numbers wanting a council house or flat. Cameron is attempting to shift the blame for the housing crisis away from its primary cause; the profit-driven housing policies of current and previous governments. House prices have gone up 40 times since 1971 whereas prices in general have gone up tenfold while wages have mostly stagnated. This means home ownership is now out of reach for the majority. At the same time rents in the extortionate private rented sector have increased by 86%. But social housing is in incredibly short supply. Twenty years ago there were more than five million council homes, now there is barely half that number. If the Con-Dems get their way even these will have their rents raised to extortionate 'market' levels. New Labour in government also continued the previous Tory governments' policies, selling off even more council houses than Thatcher. A puny 2,019 council houses were built during New Labour's entire period in government, an average of 400 houses a year! Contrast this to 5,000 council houses - all with front and back gardens - that just one Labour council - in Liverpool from 1983-87 - was able to build when it stood on a socialist programme. Labour leader Ed Miliband has stated that Labour 'got it wrong' on immigration, but why doesn't he admit that Labour 'got it wrong' on housing? Labour would be elected on a landslide if Miliband was to pledge that the next Labour government would carry out a mass council house-building programme, to create high-quality, genuinely affordable, secure housing for the majority and to provide work for unemployed construction workers on union rates of pay. This is not unprecedented - from 1948 to 1954 the Labour and Tory governments built an average of 240,000 council houses a year. However, Labour today, wedded to big business, will never implement such a demand. The Socialist Party calls for the organised workers' movement, in the form of the trade unions, to launch a mass campaign to defend and expand council housing. This could unite existing tenants and the five million people on waiting lists by demanding decent housing for all, regardless of their ethnic or religious background. At the same time we recognise that, particularly given the current lack of supply, the lack of an open, democratic and accountable system of allocations, which would be accepted by most workers, increases anger and suspicion that housing is being allocated unfairly. Cameron is whipping up this feeling in relation to migrants from other EU countries, who are in fact already only allowed to apply for social housing if they are currently in work, or have been in continuous work for at least the previous 12 months. And that is only for the right to apply - the current acute shortage means that the vast majority of applicants for social housing languish indefinitely on a waiting list. Statistics indicate that only 0.9% of social housing allocations have gone to workers from Eastern Europe. This is largely because, to actually get social housing, particularly in London and other areas with a severe housing shortage, it is usually necessary to not only be homeless, but also in priority need - that is pregnant, with dependent children, or vulnerable because of old age or illness. The mainly young economic migrants from EU countries rarely qualify. Nonetheless, there are of course cases where homeless families who are new to an area, sometimes refugees fleeing war, famine and persecution, are housed above families living in severely over-crowded conditions that have been on the waiting list for many years. While it is the extreme lack of council housing which is the root cause, leading to a choice between housing the homeless and the 'merely' desperate, this inevitably creates resentment among those who do not get council housing against those who do. The Socialist Party believes that the right of families to be housed in the same community is an important one. The policies of this government and Labour councils are annihilating this right; forcing desperate families to move hundreds of miles from family and friends for social housing. The struggle to achieve it has to be linked to both the fight for a mass council house-building programme and for the democratic control of the allocation system. Decisions should be taken on the basis of need, including the right to be housed near relatives and friends, not by council officials, however, but by elected representatives of local community organisations, including tenants associations, trade unions, elected councillors and other community campaigns. The workers' movement needs to take the same kind of class approach to other aspects of the government's attempts to increase divisions between immigrant and non-immigrant workers which are, unfortunately, being echoed by Labour. The Tories hypocritically claim that immigration is undermining 'the British way of life' but it is the government's driving down of workers' living standards that will ruin our way of life unless we fight back. Miliband has been forced to recognise belatedly that over the last decade big business in Britain used super-exploited migrant workers to lower wages for all workers. His proposals to prosecute more employers who pay less than the minimum wage are welcome. There have only been seven prosecutions since it was introduced 14 years ago, and for the first ten years of New Labour government not a single successful prosecution took place! Miliband should also pledge immediately to increase the minimum wage - to at least £8 an hour - a living wage rather than starvation rations. This would lift millions out of the benefit trap. But if Miliband was serious about stopping the race to the bottom he would be calling for all workers - both non-migrants and migrants - to join a trade union and organise together to win decent pay and conditions. This is the only way to effectively combat the employers' relentless attempts to drive down the wages of all workers. Instead Miliband, like Blair and Brown before him, has opposed workers striking to defend their living conditions and has made no pledge to repeal Britain's vicious anti-trade union laws. Unfortunately there is no possibility of Labour adopting even these minimal policies. Under Miliband, as under Blair and Brown, Labour remains a party wedded to capitalism. Miliband is not willing to even vote against slave labour Workfare schemes. Promising to reverse the Tory-Lib Dem cuts is too much for him to stomach. That is why the Trade Unionist and Socialist Coalition (TUSC) is beginning to lay the foundations for the creation of a powerful electoral voice for working class people. TUSC brings together trade unionists, including the transport workers' union, the RMT, and socialists, including the Socialist Party. TUSC stands in elections in opposition to all cuts in public services, and to fight for the kind of policies outlined in this article. Socialists stand for workers' unity, explaining that the only way to effectively prevent big business's attempts to drive down wages is by uniting workers - non-migrant and migrant - to fight for everyone to get decent pay and conditions. With most taken from http://www.socialistparty.org.uk/issue/758/16390/27-03-2013/cameron-whips-up-immigration-fears-to-divide-movement-against-austerity