Universal Credit

Who will it affect?
The people currently affected are: Single person & couples without children and claimants who are making a new claim for Job Seekers Allowance. Eventually ALL claimants will be affected!
Universal Credit will replace the following benefits:
  • Child tax credit
  • Housing benefit
  • Working tax credit
  • Income support
  • Income-related employment and support allowance
  • Income-based jobseekers allowance
How will it be paid?
It will be paid monthly.  However, your first payment will be made 1 month and 7 days after you first apply.  If you find this difficult, you can ask the DWP for an advanced payment and you can also ask for fortnightly payments, but you need to provide a good reason as to why.
The Housing part of Universal Credit will be paid directly to you and will be called Housing Element, previously known as Housing Benefit.
You will be responsible for ensuring your rent is paid and you do not go into arrears.
If you feel that you will have difficulty managing your money on a monthly basis, please contact Pauline or Tricia on 0141 336 2138 or email This email address is being protected from spambots. You need JavaScript enabled to view it. or make an appointment to see our Financial Inclusion Officers – Agnes Cole and Maureen McGowan or our Support Officer Morag Boland.  For more information on the services Hawthorn Co-operative provides check it out here.
You can also obtain help and advice on budgeting from an organisation called Epic 360.  EPIC 360 is a lottery-funded financial capability project working across Glasgow.  A link to their website is here 
Please note Universal Credit is expected to be paid into a Bank Account, however you can also have it paid into a Credit Union Account. If you do not have a Bank Account, then you should ask for more information about this. There are a large range of bank accounts available and some may not be suitable for you. 
Hawthorn Co-operative will pay the £5 joining fee for anyone wishing to open a Credit Union Account or we will also help you set up a bank account. This is done by our GEMAP (Greater Easterhouse Money Advice Project) Financial Inclusion Officer Maureen McGowan.  If you wish to make an appointment with Maureen please contact the office and the staff will be more than happy to help you with this. 
How can I make a claim?
To claim you will need to complete an online application. If you need assistance in making a claim or just need advice, our Financial Inclusion Team can help.  To arrange an appointment with our Financial Inclusion Officer please telephone 0141 336 2138. You can make a mock claim by following the link here.
A step by step guide to making and maintaining a Universal Credit claim can be found by clinking the link here.