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Are proud to present...And
A Bank AccountWith A Different
Credit Union AccountCredit Union Account
Credit Union
TheThe
Current Problems
•Ability to sign consistently
•Not sharing pin number
•Open to people taking advantage
•Lots of benefits and lots of payments to make
Problems For Providers (like The Care Division)
L.A £120 per week for client living expenses
Money goes in to The Care Division Client Account
Client supported to go shopping
I withdraw £120
Money taken to client,
X
£120 per week transferred in to my private account
I take it to the officeGive it to support workers
£120 x 20 (& growing)=
£2400 +++ per week
S.Piper personal account
Withdraw cash£120 to each client
MY BIG PROBLEM…
Problems For Local Authorities
Housing BenefitCouncil Tax Benefit
Disability Living AllowanceMobility Allowance
Continuing Healthcare benefit
Income supportIncapacity BenefitEmployment and Support Allowance. . . . . .
Housing Provider
Supported Living Provider
Day Service Provider
Mobility Provider / Transport
XDirect Payments / Individual Budgets
LA’s becoming bankers
Phase 1 – The Provider SolutionAvailable NOW – Through TCD
•The client has a joint DCUCU account with their care provider or designated person
•The account is online – transparent and immediate
•£120 in by LA
•All or part transferred to a pre-paid card
•Card “topped up” to a maximum amount each week (£120?)
•Client supported to withdraw / spend cash ….Simple!
Phase 2 – The LA SolutionAvailable from January 2012
•The Managed Account
•One Account
•With many pockets…
One Account – Many Pockets
Housing Allowance
Support Allowance
Mobility Allowance
Money For Bills
Closed Closed Closed Closed
Open
Living Allowance
Housing Association
Support Provider
Mobility Provider
BTGas
ElectricWater
Charge Card
Food Shopping,Clothes Shopping, Etc
In: Housing benefit 22/08/11
In Council Tax Refund 05/09/11
Out Rent06/09/11
Etc…
In: LA Living Allowance 30/08/11
Out CARD PAYMENT
Tesco02/09/11
OutCARD PAYMENT
M&S08/09/11
Etc…
In DLA Mobility 01/08/11
Out Motability14/08/11
Etc…
In Benefit 01/08/11
In Benefit 14/08/11
Out Day Centre08/08/11
Out Day Centre15/09/11
Etc…
In: Benefit 22/08/11
Out BT06/09/11
Out British Gas08/09/11
Etc…
Easy to see what’s going in…
Housing Allowance
Support Allowance
Mobility Allowance
Money For Bills
Living Allowance
… & what’s going out!
A Bank Account For Everyone
•No-one needs to be excluded from having a DCUCU account
•Local Authorities can properly allocate funds and hand over responsibility to the client & their representative
•Easily accessible by those who need to access
•Secure from others
•Full Transparency Instantly auditable
•Administrated by Care Provider / selected person in circle of support
•Client can change joint account holder when needed
•Interest gained on deposits held
•Easy to follow, easy to budget, easy to use
DCUCU - Finally enabling clients to take DCUCU - Finally enabling clients to take control of their Direct Paymentscontrol of their Direct Payments