The overall benefit cap for Dummies – Wayne & Waynetta explain

Wayne and Waynetta explain the overall benefit cap in Waynettaspeak so if easily offended by language and usage of the ‘F’ word please stop reading now.

W&W are the indolent feckless layabouts who live off the state who in Daily Mail folklore and IDS ideology sponge off the state and breed simply to get more welfare benefits so they can feed their alcohol and illegal drug taking lifestyle.  They are the ultimate feckless family we hear so much about.

Currently they live together in a 3 bed privately rented house in London and have 4 children, 2 of which are Wayne’s children and the others clearly not as they are black.

They from April 2013 receive £392.76 in welfare benefits and a further £347.48 in housing benefit.  A total or overall benefit level of £740.24.  Yet the overall benefit cap is going to reduce this to a maximum £500pw …and too bloody right I hear you cry ALL benefit claimants are Wayne and Waynettas and benefit scrounging scum in many Daily Mail readers eyes.

So we should have no sympathy whatsoever with the fact they will lose £240.24 per week with IDS’s great idea of the overall benefit cap should we?  To make matters even better this cap will impact even more as Waynetta is up the bloody duff again and she thinks, but isn’t sure it’s Wayne’s but it probably is as no other bloke has given her a shag recently which is probably due to the fact her appearance is very, how can I put this, yes dishevelled is very tactful, given the only ‘gear’ she has bought in the past year or so has been the injected variety.

Her concern is that the state won’t be forking out an additional £65.71 in welfare benefit and so her real loss is £305.95 per week (£240.24 cap plus the £65.71 for the new feral brat!) and she the feral family wont now be getting a new 4 bed house either which Waynetta seems to recall was why she let Wayne near her in the first place, though she was probably pissed or high, or more likely both!

Dontcha just love IDS! What a man getting rid of these parasites with his ingenious benefit cap idea!

Ok let’s get real.  W & W know the benefit system inside out, IDS is just a buffoon he thinks he does.

W & W have the odd lucid moment and realise that they’re fucked (yes they swear a bit too but not at the feral kids as they give back far worse and W & W just don’t need the fucking hassle!) When W & W have these lucid moments they combined resemble Baldrick and by that they come up with a cunning plan and this is the type of challenge they enjoy, a simple one – getting around the system designed by a Tory. That shouldn’t take long even for their feeble brains and it doesnt!

They decide to split up for obvious reasons and of course abort the sprog as that was only to get a bigger house!  The first is that come April they will be evicted and moved to the back of beyond in their words. You know Stoke or Hull or somewhere else like that.  Fuck that they think yet a couple with 4 kids, even one like W&W will still get the £392.76 which leaves £107.24 per week and you can get a 4 bed council house for that in the fucking dinghy North.

Wayne and Waynetta decide to split up, mostly Waynettas idea as after all Wayne is a crap shag so what the fuck do I need him for and he can take his feral fucking kids with him too!  This means Waynetta becomes a single parent with 2 kids and gets £220.69 per week in welfare benefits leaving £279.31 a week for the rent.  Wayne will do the same as his ‘mate’ (well not really a mate as who the hell likes Wayne) knows someone who had a 4 bed house charging £500pw but that Tory bastard cut the maximum housing benefit down to £400 pw.  So he’s going to rent it to Wayne and Waynetta as 2 x 2 bed flats and charge both of them £280 pw for this and the state picks up the maximum housing benefit left from the overall benefit cap of £279.31 per week getting £558.62 per week more than the £500pw he got before. Well he’s got to make a living hasn’t he!

So Wayne will now get £220.69 welfare benefits and so will Waynetta – a total of £441.38 pw between them – more than the £392.76 they would get if they stayed together – RESULT! That’s a pony each more per week and they don’t have another bloody feral sprog to feed too!

They will also get from the taxpayer a further £558.62 per week in housing benefit so their private landlord so they aint gonna be evicted and they get a 4 bed house too – FUCKING RESULT!

They also won’t have to go to the back of fucking beyond in Hull – MAJOR FUCKING RESULT!

Meanwhile the state, the taxpayer, the public purse – call it what you will end up paying £1000.00 per week to this lovely couple whereas before it was £740.24 and that stupid bloody Tory MP (IDS) thought he could take £240.24 away from us and send us to fucking Hull, the stupid bastard!

Wayne and Waynetta therefore get £52,000 per year off the state from the £26,000 per year cap.

Notes:

The story above is just a story yet we can all see this scenario happening and so it shows that the overall benefit cap of £500pw won’t work in reality.  Simply the OBC will not cut the welfare spend but will increase it. It doesn’t matter how many Wayne and Waynetta families exist either, whether its 1% of welfare recipients or 100%, the impact is the same, welfare spend goes up and the overall benefit cap doesn’t solve the Wayne and Waynetta scourge that IDS, Daily Mail and all and sundry moan about.

The Wayne and Waynettas of this world could be shipped from London to Hull and they would still come under the overall benefit cap by moving to a council house in a lower cost area.  The reality is the real critical factor is not that Wayne and Waynettas exist it is the ridiculously high PRIVATE rent levels in London and the South East that have the public purse by the bollocks (in Wayne and Waynettaspeak!)

The official HB figures show this and reveal nationally as a country we the taxpayer / public purse spend £2.2bn – yes that is BILLION – more in housing benefit payments to private landlords than we do for the same number of social housing properties.

Further it doesn’t matter that this is a result of past failures by the Brown, Blair, Major and Thatcher governments it is a national issue above and beyond the party political blame game.  Cameron’s government is making this worse and especially because they have ruled out any policy to reduce this £2.2bn subsidy we pay to private landlords.

Reader you thought council and housing association properties (ie ‘social housing’) was the subsidised rented sector didn’t you?  Well not surprising really as the Tories genuinely proposed to rename social housing the taxpayer-subsidised sector I kid you not!

Social housing receives £1.2bn per year of subsidy and the private rented sector receives £2.2bn per year by charging the welfare bill £25.10 more per week for 1,653,860 private properties that receive HB at £106.32 per week compared to £81.12 per week in Housing Benefit the average social housing property receives.

Yes private housing receive more public subsidy than social housing.

The above also shows that the overall benefit cap of £500pw will cost more even if the Wayne and Waynettas don’t become homeless, which if they do will cost even more still.

Last year the coalition introduced LHA caps – housing benefit cap for private renting – of £250pw for a 1 bed, £290pw for a 2 bed, £340pw for a 3 bed and £400pw for a 4 bed private property.

Yet the overall HB bill has risen every month since the election from £20.8bn per year to £23.6bn per year now a rise of £2.8bn

Also note the coalition said in June 2010 shortly after election their welfare plans (bedroom tax, overall benefit cap etc) would cut the HB bill by £2bn.

The HB bill is now at the latest figures £4.8bn more than they said it would be.

Or in the simplest and starkest terms the HB bill has risen by £37.85p PER SECOND since the coalition took office.

Also note that Cameron admitted in December’s PMQ’s that “…even under our plans the Housing Benefit bill will rise further” when he also inadvertantly admitted he had lied to Parliamant and the public in January 2012 when he said HB had reduced!

The welfare reform policies including the overall benefit cap will INCREASE the public purse welfare bill.  They won’t work and the train of Tory MPs queuing up to tell you the public they will reduce the welfare bill are, in simple terms, lying and knowingly lying.

Yet Joe Public tends to believe the Tories have cut welfare spend despite the figures ALL showing the exact opposite.  Maybe Joe Public is as feeble minded as Wayne and Waynetta?

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2 thoughts on “The overall benefit cap for Dummies – Wayne & Waynetta explain

  1. The official HB figures show this and reveal nationally as a country we the taxpayer / public purse spend £2.2bn – yes that is BILLION – more in housing benefit payments to private landlords than we do for the same number of social housing properties.

    Further it doesn’t matter that this is a result of past failures by the Brown, Blair, Major and Thatcher governments it is a national issue above and beyond the party political blame game. Cameron’s government is making this worse and especially because they have ruled out any policy to reduce this £2.2bn subsidy we pay to private landlords.

    Reader you thought council and housing association properties (ie ‘social housing’) was the subsidised rented sector didn’t you? Well not surprising really as the Tories genuinely proposed to rename social housing the taxpayer-subsidised sector I kid you not!

    Social housing receives £1.2bn per year of subsidy and the private rented sector receives £2.2bn per year by charging the welfare bill £25.10 more per week for 1,653,860 private properties that receive HB at £106.32 per week compared to £81.12 per week in Housing Benefit the average social housing property receives.

    Yes private housing receive more public subsidy than social housing.
    EXACTLY MY POINT
    We need real Social housing & less Fat cat landlords…. BUT the “Elite” are friends to the FatCat, not ot the working classes… Says it all…

  2. The problem relates to the LHA (Local Housing Allowance) rate, which was set up to allow tenants the freedom to rent in more locations and stop them becoming concentrated in the poorer housing areas. The rate was set to the average private rental income for a local authority (which was reduced down slightly by this goverment about a year ago). Whilst the idea behind this may have been well intentioned (allowing people on benefits to rent in better areas) in reality this has not happened.

    All the landlords know the LHA rate and simply charge this to the tenants on benefits, regardless of where their house is (usually in the poorest housing area) and what rental they would get on the open market for it. This then has the effect of trapping the tenant on benefits, as if they get a job they then can’t afford to live in the poorest area, ironic situation. This has become a cash cow for landlords, the tenants do not have any ownership over the rent as they never see it, as it goes direct to the landlord in most cases.

    Likewise the landlord can charge a self contained one bedroomed flat rate for a tiny cramped bedsit (or studio flat if you want to market it correctly). They will be allowed to charge this rate so long as all facilities are behind on door! Until checks are carried out on these properties and links made between the standard of accomoadtion and rent charged these practices will go unabated. But as this government doesn’t want to regulate the private sector this will not happen.

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