Support Nick Bennett at the CEO Sleepout in Cardiff

On 27 March I’ll be joining more than 70 business leaders including five chief executives from the housing association sector, namely Michelle Reid - Cynon Taf, Duncan Forbes - Bron Afon, Andrew Lycett - RCT Homes, Cathy Davies - Hafan Cymru and Chris O’Meara - Cadwyn, sleeping rough as part of the first ever CEO Sleepout in Cardiff.

Every penny from our first hand experience of living on the streets will help the homeless, stock food banks and genuinely reach out to those facing severe hardship. A wide range of projects will benefit from the event including Llamau and Cardiff Foodbank.

As Chief Executive of Community Housing Cymru (CHC), campaigning on behalf of our members and their tenants throughout Wales, I know only too well that welfare reform is placing a huge financial burden on some of the poorest in society.

Reforms have meant that people pay for 'spare' bedrooms with no alternative accommodation available, it has removed disability benefits from those in need, and imposed sanctions on those who don't find a job despite the shadow of economic downturn still looming over many of our communities.

We know that 350,000 people are affected by welfare reform in Wales, 35,000 of which are affected by the ‘bedroom tax’, so it is inevitable that placing these pressures on those most in need will lead to more homelessness.

When you think of homelessness, you may have an image of someone sleeping rough in a shop doorway and sadly, for many, this is still the case. However, there are lots more people who are homeless in the non-traditional sense, who spend their time sofa-surfing on a friend’s or family member’s settee because they can no longer afford a bed nor a home of their own anymore.

The day before the CEO Sleepout and my taste of homelessness, I’ll be at the Tai 2014 Chartered Institute of Housing Cymru (CIH Cymru) Conference. I’ll be launching the CHC and the Welsh Local Government Association joint research report on ‘Partnership Working and Homelessness’.

The research was commissioned to specifically focus on identifying opportunities to develop partnership working in light of the new homelessness duties set out in the Housing Bill. It seeks to highlight best practice and address some of the key challenges partners face in delivering homelessness services. The report is intended to act as a toolkit for Local Authorities and Housing Associations and we hope that, by highlighting how barriers have been overcome in a variety of areas, this will increase consistency and help in meeting the needs of the growing homeless population in Wales.

Another real cause the CEO Sleepout raises money for is to stock food banks, which have become a vital way of life for many. Food bank usage has grown dramatically due to a cost of living crisis with stagnant wages, inflation and increasing fuel and food costs.

In 2011/12 a total of 16,000 people sought help from a food bank, and latest figures (2013/14) have seen an increase in usage to 67,000.

The reality is that many more people in Wales are one step closer to homelessness, and many more are living in poverty, than ever before.

We’d all like to think that we could turn to someone for help, so if you are in a position to donate to a cause which helps makes a difference to real people’s lives, please donate to the CEO Sleepout.

I’d be grateful on behalf of those whose lives will be enriched by your generosity if you would sponsor me online at: https://www.justgiving.com/nick-bennett13


Nick Bennett
Chief Executive, Community Housing Cymru Group

Intensifying our fight against poverty

As 2013 comes to an end, I’ve been reflecting on what the CHC Group and the sector have achieved in 2013. This is the time of year where those of us brought up as part of the Band Aid generation tend to think of those less fortunate. With increased austerity, and the impact of welfare reform and the introduction of the 'bedroom tax', concern for the less fortunate has been at the very forefront of our minds throughout the year.

We held a successful Annual Conference in November, with some clear messages from the Minister on the need to increase supply. So at the end of November I was delighted to attend the Housing Europe network in Denmark and to showcase the Welsh Housing Finance Grant as an example of EU Housing good practice, building 1,000 affordable homes without traditional capital subsidy or traditional bank lending. A real achievement in 2013.

At our Annual Conference, I was also deeply impressed by Sian Williams from Toynbee Hall and her messages about fighting poverty and financial inclusion. Financial education isn’t enough - there has to be access to affordable finance too.

The week after going to Denmark, I took a trip with the Four Feds to Northern Ireland and a tour of Derry and the Bogside to see some impressive housing projects, but also communities exploited by loan sharks. What hit home were the barriers local people encountered in accessing affordable credit, despite the maturity of the credit union movement in Ireland. This is why I’m so proud that members and CHC have worked so well together this year in extending Moneyline services to Merthyr, Swansea and Wrexham and helping so many people through the Your Benefits Are Changing campaign.

When we re-emerge in 2014, I want us to redouble our efforts in fighting poverty and extending social justice. As Sian from Toynbee Hall told us, 'We shouldn’t be worried about welfare reform – we should always have been angry about poverty' … our members are at the leading edge.

You can find out more about the CHC Group's activities over the last year in our Annual Review for 2013. 


Nick Bennett
Group Chief Executive

'Bedroom tax' will mean 1,000 fewer affordable homes. Devolve welfare to Wales!

The moral and ethical arguments against the ‘bedroom tax’ have always been weak. While ideology may lead you to divide between the ‘deserving’ and the ‘undeserving’ poor, ideology cannot deny the evidence, and it is ultimately evidence which should dictate government policy.

Since the ‘bedroom tax’ was introduced just over six months ago, we see a double whammy affecting the housing supply crisis. Arrears from the ‘bedroom tax’ have exceeded £1m and a rise in the number of void properties has meant that over 700 homes in the sector are empty. Just 3% of the 22,000 housing association tenants affected have been successfully downsized. We have always argued that there are simply not enough one and two bed properties to move people to. With an estimated 90,000 on social housing waiting lists, how can we justify a policy that sees Wales losing out on 1,000 affordable homes?

Of course, the effect on housing associations is only half the story. Tenants are already struggling to afford the basics, the use of food banks is increasing, energy companies are increasing their prices and we are seeing a surge in the use of high interest lenders and loan sharks. Some payday lenders are reported to be planning to treble their business on the back of so-called welfare 'reform’, people are being pushed further into poverty and the threat of losing their home is very real.

Landlords are faced with tough choices. We note what’s been happening around Wales with various protests, often the landlord getting the blame. Tenant groups and some politicians have campaigned for a ‘no bedroom tax evictions’ policy, but landlords can’t continue to subsidise the extra costs brought about by welfare reform which would impact on the potential reduction in services for other tenants who pay their rent.

This divisive measure threatens social justice and cohesion, turning tenant against tenant, tenant against landlord and vice versa. We need to stand back and realise that the only solution is to take power closer to the people.

As a sector we have been doing all we can to mitigate against the reforms. We’ve launched the ‘Your Benefits Are Changing’ campaign to raise awareness and have set up an advice line to provide free independent advice to those affected. We’ve also supported the expansion of Moneyline Cymru, a not for profit organisation set up and part funded by Welsh housing associations for people largely ignored by mainstream lenders. Moneyline Cymru branches have issued over 13,000 loans to the value of more than £6m since it was set up in 2009. Customers are also encouraged to open a savings account with nearly a third opting to do so, collectively saving a total of £900k.

Last week the Labour Party tabled a motion in the House of Commons to repel the ‘bedroom tax’, and the vote was lost by only 26 votes. So if robust statistical evidence which shows that this policy is failing is not enough for the UK Government to axe this pernicious policy, what can we do? The solution is for Welfare Reform to be devolved to Wales.

In an asymmetric union, we can now look to Northern Ireland and see them use their powers in welfare policy to do something different. They have legislated to stop the ‘bedroom tax’ affecting existing tenants. Like Wales, it is affected to a far greater degree than England and Scotland, but their devolution settlement has allowed them to protect the people of Northern Ireland from the policy, and also to adapt the upcoming changes to Universal Credit and Direct Payments to fit the needs of Northern Irish tenants. With the Silk Commission due to report on further powers for the Assembly in the New Year, what chance they listen to CHC’s recommendation that Wales is given parity with Northern Ireland on welfare powers?


Nick Bennett
Group Chief Executive, CHC Group


You can read the full press release on CHC's 'bedroom tax' research here.

Constitutions Count!

Recently Community Housing Cymru has been consulting on our corporate plan. One of the most interesting reactions was to our assertion that welfare issues are devolved to the National Assembly, as they are in Northern Ireland. As one member rightly said - it is not CHC’s job to campaign for additional powers for the National Assembly!

However, it is CHC’s job to ensure that housing associations have the best possible regulatory environment. Members are worried about the impact of Welfare Reform, particularly the 'bedroom tax' and the impact of direct payments.

In Northern Ireland, the devolution settlement has allowed the executive to decide that housing benefit can still be paid directly to landlords, the remaining benefits that make up Universal Credit can go to two members of a household, and payments can be made fortnightly rather than monthly. Despite strong opposition from Welsh Government to the Universal Credit system, and the way in which it is being implemented, it has not been able to offer Welsh tenants the same opportunity to protect them from these changes.

Certain pay day lenders are planning to treble their business on the back of Welfare 'Reform' - we need to push for constitutional arrangements that save tenants from the sharks. 

Nick Bennett
CHC Group Chief Executive