My Lords, I will speak briefly on Amendment 34. I start from the point of having huge respect for the noble Baroness, Lady Lister; her expertise on this subject far outweighs mine. But I have concerns about what she is trying to do. The amendment puts a duty on the domestic abuse commissioner to investigate and report on universal credit payments. I have concerns about this because surely it is vital that we protect the independence of the domestic abuse commissioner, as we have heard from many noble Lords in discussing earlier amendments. The commissioner must be free to set the priorities she chooses; it must be wrong for her to have to report on universal credit or on any other matter.
On the rest of the amendment, as we know, universal credit is a single-household payment. Where a claimant is part of a couple living in the same household, they need to make a joint claim for universal credit. For many legacy benefits, a payment is already made to one member of the household, so the way universal credit is paid is not a new concept, and evidence shows that the vast majority of couples keep and manage their finances together. So payments into a single bank account fit with how most couples organise their finances. Therefore, I am concerned that departing from that would fundamentally change the structure of universal credit, from a single-household payment made to one individual of the benefit unit to payments split between joint claimants by default.
As we all know, a more proportionate response was the creation of split payments to prevent hardship to the claimant and their family. Anyone in a joint claim, including individuals suffering from domestic abuse, can request a split payment arrangement, and it is my understanding the DWP will support them in putting this arrangement in place.
Surely it is important that we allow the individual experiencing domestic abuse to decide whether they think split payments will help their individual circumstances. No information on why a split payment has been requested or granted will be notified to the claimant’s partner. If someone is experiencing domestic abuse, they can tell their work coach in the way that is easiest for them; it is not a requirement for their partner to be involved. As soon as there is awareness of abuse, individuals are signposted to third-party organisations that can provide expert support and advice.
Of course, access to money for those suffering domestic abuse is vital, but the approach in place ensures victims are supported, while the simplicity of the overall system is maintained for others. Sometimes reinventing the wheel can have unintended consequences. I look forward to what the Minister is going to say on this point to reassure me that all those suffering domestic abuse can manage to get their universal credit when required.