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