A Rap song has been released in tribute to the Archbishop of Canterbury‘s warnings about payday loans.
We Need A Union On The Streets, by music producer Charles Bailey and featuring the rapper Question Musiq, was inspired by the former Bishop of Durham, the Most Rev Justin Welby‘s efforts to expand Britain’s network of credit unions.
The song tells the story of young people who get into debt because of payday loans and features the words of personal finance guru Martin Lewis in which he warns that “payday loans gone wrong are a horrendous thing”.
The song has the chorus
“What we need is a union, we need a union on the streets/Everybody hand in hand, people can’t you understand”
and the verse
“Yeah it’s unfair/But they don’t care/The rich get richer/While poor get less”.
The release comes after a national network aimed at offering an alternative to payday lenders was launched last month by Sir Hector Sants, who is heading a task group for the Archbishop on promoting credit unions.
The scheme is being piloted in the Southwark, Liverpool and London Church of England dioceses.
Mr Bailey, who has worked on social campaigns to combat gun violence and has also set the speeches of the late Tony Benn to music, said he had felt “moved” to help the task group.
“When I listened to the Archbishop of Canterbury speaking out about pay day lenders I felt moved to do something to help his task group to reach to the urban youth who are often the victims and introduce them to a much safer and ethical way of borrowing through credit unions,” he said.
Mr Lewis said: “The payday loan industry is relatively new, and has used powerful marketing to build its business and groom young people to think it is normal.
Dr Elizabeth Henry, the Church of England’s adviser for minority ethnic Anglican concerns, said: “Efforts like this help the Church to extend its reach and engage with people on issues that affect their everyday lives.
“The song is appealing and I hope will get the message across to all communities that credit unions are a much safer way to borrow.”
The pay day lenders have argued that their loans are intended to be repaid over a short term and fill a gap left by the High Street banks. But Archbishop Welby has expressed concern that these loans are tempting people into a spiral of debt.
The Consumer Finance Association declined to comment on the recording.
Source – Durham Times, 11 July 2014
This article was written by Randeep Ramesh, Social affairs editor, for theguardian.com on Monday 10th March 2014
More than 20 councils have used or plan to use controversial lie detector tests to catch fraudulent benefits claimants, despite the government dropping the technology because it was found to be not sufficiently reliable.
Responding to freedom of information (FOI) requests, 24 local authorities confirmed they had employed or were considering the use of “voice risk analysis” (VRA) software, which its makers say can pick out fraudulent claimants by listening in on calls and identifying signs of stress.
> Of course, people in genuine need never show signs of stress !
Although in 2010 the Department for Work and Pensions (DWP) announced it had given up VRA software, the FOI responses show councils have been spending, in some cases, millions of pounds on the technology.
Local authorities have continued to use the system to check whether people are honestly claiming the single person council tax discount, which allows single adults to pay 75% of the amount levied on a family.
Tory-controlled Derbyshire Dales said it had taken part in a county-wide review of council tax in 2011 that had used the technology – a contract worth £280,000 to Capita.
> Crapita – who’d have guessed they’d be involved in something like this ?
The same company was hired by Labour-run Southwark in south London and was paid £2.5m over three years. The council says VRA technology “was used as one tool to assist in determining the customers’ eligibility for the discount”.
The council said it did not record how effective the scheme had been but did say that its real worth was in making the public aware that it would crack down on benefit cheats. A council minute last year records: “Although [VRA was] used in a minority of cases, a significant amount of publicity was received that assisted in communicating to residents the council’s intention to remove discounts if property occupancy could not be evidenced.”
VRA is supposed to detect signs of stress in a caller’s voice by analysing short snippets of speech, and is still used in the insurance industry to catch fraudsters. Critics say the system is not powerful enough to distinguish cheats from honest callers.
A number of councils – Redcar, Middlesbrough, West Dorset and Wycombe – said they were convinced of VRA’s merits and were considering use of the system in the future.
False Economy, the trade union-funded campaign group that put in the freedom of information requests to more than 200 local authorities, told the Guardian: “It says a lot about council outsourcing – and the benefits-bashing agenda – that this pseudo-scientific gimmick is now making its way in through the back door. Capita is a firm with a long rap sheet of expensive failure. Neither they nor their technological snake oil should be trusted.”
There have been complaints from claimants who were assessed using the technique. In South Oxfordshire two people formally protested after having their voices tested in 2013. The council says that Capita’s system helped reduce the number of people claiming the single person discount by 3%, and would consider using it again.
Voice risk analysis has been mired in controversy since scientists raised doubts over the technology soon after it reached the market. In 2007, two Swedish researchers, Anders Eriksson and Francisco Lacerda, published their own analysis of VRA in the International Journal of Speech, Language and Law. They found no scientific evidence to support claims for the device made by the manufacturer.
Lacerda, head of linguistics at Stockholm University, told the Guardian that VRA “does nothing. That is the short answer. There’s no scientific basis for this method. From the output it generates this analysis is closer to astrology than science. There was very good work done by the DWP in the UK showing it did not work, so I am surprised.”
However, the Local Government Association, which represents English and Welsh councils, said the tool was used to help identify possible fraud. Peter Fleming, chair of the LGA’s improvement board, said: “Councils detect almost £200m-worth of benefit fraud committed every year. Every pound fraudulently claimed by people trying to cheat the system is a pound less that councils have to help those who need it most.
“No one is going to be prosecuted for benefit fraud on the result of voice analysis tests alone. But, in a small number of areas, councils use this technology as part of a wider range of methods to identify cases which may need closer scrutiny.”
The DWP told the Guardian: “Local authorities are free to design their own approaches to preventing benefit fraud.”
In a statement Capita said that, when it “undertakes a council tax single person discount review, councils can choose to use voice risk analysis technology as part of the process. The technology is never used in isolation. It is only used in cases which are deemed ‘high risk’, when earlier stages of the review have indicated that more than one person may be living at the property.”
Capita added: “The selective use of VRA technology is a useful additional tool in the validation process of identifying potentially fraudulent claims for single person discount.
“The decision of whether to revoke benefits is made by councils, based on the range of information gathered during the review process. The removal of claimants receiving discounts that they are not entitled to reduces council spend, enabling money to be directed to those who really need the council’s support.”
> Tell you what – a compromise. You can use it on claimants after it has undergone an extensive test – 5 years, say – on all MPs, local councillors, Jobcentre staff, etc
Source – Welfare News Service, 10 Mar 2014