Monday, 24 April 2017

Healthy Welfare Card: Dear Indue Ltd.....

Unhappy voters on the subject of the cashless debit card also known as the Heathy Welfare Card......

AIM Network, 5 March 2017:
Indue Ltd
C/- Stargroup Ltd
(Formerly ICash Payment Systems, Formerly Reef Mining).
PO Box 523 Toowong
QLD 4066 Australia
P: +61 7 3258 4222
F: +61 7 3258 4211
5 March 2017
Re the ‘Healthy’ Welfare Card.
Dear Indue Ltd – its Board, Directors and Shareholders,
I am aware that the Commonwealth Human Services Minister in the Turnbull government, Alan Tudge, is intending to transfer all welfare recipients to the ‘Healthy Welfare Card’ for income management purposes in the near future. As an Australian citizen I am aware that levels of unemployment in Australia are high and unlikely to fall soon due to the policies of the Turnbull government and that, therefore, there is a high risk that I may become unemployed in the near future and, hence, subject to the income management welfare card scheme initiated by the LNP government and, specifically, by the Human Services Minister Alan Tudge and the Social Services Minister Christian Porter.
I am also aware that Indue and its owners are to be paid between $4000 and $7000 from the Australian budget as fees for each person on the income management card system including possibly for myself in the future. I understand that how much Indue actually receives of tax payer’s money for each person in its management scheme as an administrative fee, including possibly for myself in the future, will depend upon whether the person resides in an urban or regional location. However, given that the Turnbull government intends to extend the operation of the income management welfare card scheme to all welfare recipients soon then the profit Indue can anticipate making from the scheme is in the region of $4.6 billion dollars. I note this amount is an additional amount of expenditure on top of the existing welfare budget as I understand the implementation of the welfare card system does not create any savings for the government that can be accredited against the alleged budget deficit. In my view this money would be better spent on reducing the alleged debt or on the people of Australia as a whole and not on creating profits for a private company with political connections such as Indue.
I am further aware that those amounts are to be paid to Indue as fees from the Department of Human Services budget which departmental budget is itself obtained entirely from the Australian Consolidated Revenue Fund that belongs to all the Australian people. I am aware that the fee amounts Indue is to receive, or that it has already received so far, for performing its income management duties to welfare recipients, have been, or will be, appropriated by the Department of Human Services from the Consolidated Revenue Fund for the purported purpose of providing welfare for the Australian people and not for misuse as payment of profits to a private company such as Indue.
I consider that if I am compelled to participate in the card scheme and become subject to Indue’s income management scheme in the future then Indue would become my fiduciary. In the case Hospital Products Ltd v United States Surgical Corps Justice Mason of the High Court of Australia said the following:
The accepted fiduciary relationships are sometimes referred to as relationships of trust and confidence or confidential relations …The critical feature of these relationships is that the fiduciary undertakes or agrees to act for or on behalf of or in the interests of another person in the exercise of a power or discretion which will affect the interests of that other person in a legal or practical sense. The relationship between the parties is therefore one which gives the fiduciary a special opportunity to exercise the power or discretion to the detriment of that other person who is accordingly vulnerable to abuse by the fiduciary of his position. The expressions “for”, “on behalf of” and “in the interests of” signify that the fiduciary acts in a “representative” character in the exercise of his responsibility…
Given that the Turnbull government is intending to transfer all welfare recipients to the income management welfare card scheme in the near future and given that I am likely to become unemployed in the future, it is almost certain that Indue will manage my income in the future and that it will do so purportedly in my interests and on my behalf as my fiduciary. On that basis, Indue would owe me the duties and obligations that usually accompany fiduciaries. Those duties would include, but would not be limited to, the obligation of complete disclosure to me, the prohibition against personally profiting from the performance of its duties to me, the obligation to avoid a conflict of interests and duties and a duty to protect me from any possible or actual losses from its management of my income. Losses that I would likely sustain from the income management welfare card scheme would include losses of opportunities to buy cheap goods or services at a cash price that I could not obtain by use of the card due to the restrictions on access to cash in the card system. Anticipated losses would also extend to any additional financial service fees I will incur due to me being forced to use the card in being denied access to cash. In those circumstances, in its capacity as my fiduciary, I would be entitled to hold Indue liable for those and any other possible losses I incur due to the operation of the card and Indue’s management of my income.
I also note that in the Hospital Products case his Honour Chief Justice Gibbs said:
A person who occupies a fiduciary position may not use that position to gain a profit or advantage for himself, nor may he obtain a benefit by entering into a transaction in conflict with his fiduciary duty, without the informed consent of the person to whom he owes the duty.
By this correspondence then, and on the basis that Indue will likely seek to become my fiduciary in the near future and stands to gain from that capacity, as it has already done with the huge profits it has already obtained from the income management welfare card scheme so far, I give notice that I do not consent to Indue managing my income or becoming my fiduciary at any time or of obtaining fees from anyone, including from the Government, for any income management services it purports to undertake for me or on my behalf.
I give further notice that if I am compelled to participate in the card programme I will hold Indue and its owners liable for any and all losses or liabilities I sustain due to the operation of the welfare card and of the income management system. Those losses and liabilities will extend to any legal costs I incur in challenging or remedying Indue’s management of my income without my consent.
An Australian Citizen 2017

Facebook, Tina Clausen to Milton Dick MP

I am really angry about the proposed expansion of the Cashless Welfare Card:
After having worked as a professional Social Worker for twenty years including in agency management and interdisciplinary team leader positions, then having to leave the workforce due to illness, how dare the LNP government assume that I am suddenly incapable of managing my own income and decide that I should be treated like a child and a criminal?
LNP are taking away my basic Human Rights of dignity, self-determination and social freedom. They are also illegally disadvantaging me by letting Indue retain interest earned on money in my account as well as forcing me to access goods and services that are more expensive than I get them for now. Money is tight and I'm managing my budget accordingly, they and private for profit company Indue will blow my budget out the window.
Logistically and practically the card is not working and is a nightmare for the general public, whom they are employed to serve in their best interest. This is in no ones best interest except Indue and its shareholders. The $4000 or more the scheme costs to manage per person could be better spent on increasing beneficiary payments, at least that way the money would be funneled back into local communities and thereby stimulating the economy.
The card was initially brought in to support people that had difficulties managing their income appropriately due to addiction issues. That is where it can be targeted, at an individual level for people identified within existing frameworks as being at risk eg via police, child safety services etc.
It is not appropriate to bring the card in wholesale across entire communities and eventually across the nation. We all have the right to live without excessive government interference in our day to day lives. This card only benefits Indue and the big chain stores especially. It is big brother in full action.  
Another issue is that whereas New Start recipients can leave the scheme when they find employment, people with chronic illnesses or disabilities will be stuck on it for life. They already have a hard time and now they want to punish them further?
I would not be able to continue my cheap insurance with Budget Direct, I would have to go to more expensive insurance providers. People can't shop at cheap fresh food markets or garage sales but can go to Woolworths or the very expensive David Jones. 20% cash does not come close to meeting costs where you are unable to use the card, can't even pay off a credit card debt or a mortgage with a re-draw facility if some people have those loans as you are not allowed to transfer money to those.
Unscrupulous individuals as well as shop owners are already taking advantage of people on the card and ripping off the most vulnerable in our society. They do this by taking a percentage of desperate peoples money in return for a cash exchange and shops in areas with little competition massively increase their prices. We are talking 200-400% price hikes.
The sad thing is the card doesn't even address the initial issue the card was brought in for - those few who might actually need such assistance have found ways around it out of sheer desperation or embark on crime sprees to make up their shortfall.
We are a free country and as politicians there to serve the people they have no right to impose such a punitive and draconian scheme on unwilling Citizens. We NEVER voted for or said 'yes' to such a scheme.
Tina Clausen.
PS. Many people are not aware that the card is not only for people on unemployment benefits but for all people who receive any kind of government benefits including carers pension, family income support, parenting allowance, disability support, youth allowance, sickness benefits and so on, only aged pensioners are excluded (for now).

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