Ceduna, South Australia and the Turnbull Government's cashless debit card trial

On 15 March and 26 April 2016 the Turnbull Government began a twelve month long trial of the Cashless Debit Card aka Healthy Welfare Card in Ceduna and surrounds, South Australia and the East Kimberly region in Western Australia.

The Dept. of Social Security (DSS) Cashless Debit Card Trial Evaluation Wave 1 Interim Evaluation Report February 2017 stated:

More participants said the CDCT [Cashless Debit Card Trial] had made their lives worse than made it better (49% compared to 22%). Family members of trial participants gave a similar pattern of answers (37% and 27%).

The evaluation report also contained a wealth of unsupported anecdotal information bolstering implementation of the cashless debit card – a few instances of which read like pure fairy tales. None of which could be fact checked by readers of the interim report.

However, Turnbull Government claims in the media of reduced crime statistics due to introduction of the cashless debit card can at least be broadly checked.

This is an excerpt from the South Australian Police Annual Report June 2015- June 2016 covering the Eyre and Western Service Local Area which includes Ceduna:

From 2014-15 to 2015-16, Homicide and Related Offences decreased by -25% (18 offences), with Other Homicide and Related Offences decreasing by -39.6% (21 offences). Sexual Assault and Related Offences decreased by -7.2%(150 offences) overall. There were decreases in the three groups within the Sexual Assault and Related Offences subdivision, with Non Assaultive Sexual Offences decreasing by -14.1% (63 offences).

Robbery and Related Offences decreased by -12.9% (90 offences), with Aggravated Robbery Offences decreasing by -16.8% (84 offences).

Serious Criminal Trespass increased by 4.6% (600 offences) over the previous year. The main driver for this was Serious Criminal Trespass – Residence which increased by 5.8% (476 offences), where offenders are breaking into homes, flats, units and apartments. Serious Criminal Trespass – Non Residence increased by 2.6% (124 offences), where offenders are breaking into domestic sheds and garages.

Theft and Related Offences have increased by 8.4% (3383 offences) over the previous year. The main drivers are Theft from Shop which increased by 16.7% (1118 offences) and Other Theft which increased by 11.4% (2209 offences). Theft from Service/Petrol Station was one of the causes for the increase in the Other Theft category. Theft/Illegal use of Motor Vehicle has increased to 4.6% (149 offences). The 2015-16 result of 3364 stolen vehicles represents a decrease of -60.8% from a high of 8574 offences in 2006-07.

Fraud, Deception and Related Offences have seen an increase of 5.5% (152 offences). The main driver for this was Obtain Benefit by Deception which increased by 4.6% (105 offences).

Property Damage and Environmental has seen a slight increase of 10 offences. Environmental relates to the natural world and the impact of human activity on its condition, also relating to or arising from a person’s surroundings e.g. environmental noise. Property Damage by Fire or Explosion increased by 3.4% (59 offences). Graffiti offences decreased by -12.4% (315 offences).

Illicit Drug Offences have increased by 24.2% (768 offences). One of the main drivers is the 72.8% (437 offences) increase in Possess/Use Drugs. Other Drug Offences refers to the possession, use, sale or furnishing of any drug or intoxicating substance or drug paraphernalia, that is prohibited by law. This group has seen an increase of 51.1% (324 offences). Weapons/explosives Offences have increased by 12.0% (329 offences). The main driver of this increase is Prohibited weapons/explosives of 23.4% (150 offences). Justice Procedure Offences have increased 15.3% (2367 offences). This category includes Breach of bail which increased by 17.6% (1486 offences) and Breach of violence and non-violence restraining orders which has increased by 17.8% (629 offences). This is largely due to an increased emphasis on encouraging and supporting reporting of those offences associated with family and domestic violence.

Other Theft GENS have increased by 63.2% (2199 offences). This is due to the Public Transport Safety Branch focusing on high visibility policing and passenger safety throughout the metropolitan public transport system.

Total General Expiations have increased by 9.8% (2867 offences). One of the main drivers is the 28.9% (1615) increase in Drug Diversions with police emphasising the educational aspect of engaging with adult offenders using diversionary options.

South Australian State monthly crime statistics from March 2016 to February 2017 and Eyre and Western Service Local Area monthly crime statistics for the same period also do not appear to support the lower incidence of crime claims by Human Services Minister Alan Tudge and Social Services Minister Christian Porter.

Uniting Communities, formerly UnitingCare Wesley Adelaide and the Adelaide Central Mission, observed on 14 March 2017:

The Report states a decrease in overall crime in the Ceduna trial site. However, the statistics for a range of crimes, as provided by SAPOL for the Eyre Western LSA over the past 12 months when compared to the previous year, indicate an increase in offences against property and against the person. Most notably, there was a 111% increase in robbery and related offences, and a 400% increase in non-aggravated robbery.

Schrapel says, ‘It’s alarming to note that the Minister for Human Services has indicated in an interview today with ABC News that the crime figures in the Report were “preliminary and not conclusive” and yet this very same crime data has been used to validate the extension of the Cashless Card. Surely we need a more rigorous assessment of such evidence before it is used to justify a major policy announcement’.

Because DSS frequently relied on broader SLA statistics perhaps local media can be useful in fleshing the situation on the ground out a little more.

Ceduna Local Government Area has an estimated resident population of 3,716 people and The West Coast Sentinel  covers local news in the region.

Here are some of the crime reports in this newspaper during the cashless debit card trial period as of 22 April 2017:

18 April 2017:

Two Ceduna businesses were broken into early last Thursday morning. Items were stolen from Spry's Newsagency and Mitre 10, while the Ceduna Sailing Club was also damaged. Police are investigating the incidents, with electrical items and cigarettes stolen from the newsagency. Eleven mobile phones, including Samsung, ZTE and HTC brands and a Telstra Essentials black tablet were stolen along with a number of packets of ciagrettes.

3 April 2017:

A man was arrested after being caught drink driving at Koonibba on Sunday morning. Police stopped the vehicle just after 1am and requested the driver submit to a breath test.

He was directed to attend the Ceduna Police Station for further testing but became agitated and attempted to walk away.

He was arrested for refusing to obey reasonable police direction, driving under the influence with an alleged reading of 0.162 and resisting police. He was issued a 12-month loss of licence.

30 March 2017:

Four drink drivers were caught at Ceduna and Streaky Bay late last week including a driver detected during a school drop-off.

2 March 2017:

Police stopped the car and found three women and three children aged 9, 8 and 4 all not wearing seatbelts.

The 32-year-old driver was breath tested and returned a blood alcohol reading of 0.120 per cent.

Further checks revealed she only held a learner's permit.

The Ceduna woman was reported for a number of traffic offences including drink driving, breaching learner's permit conditions, failing to ensure passengers were wearing seatbelts and driving with unrestrained children in the car.

The car was also defected and impounded for 28 days and the woman was issued with a six-month instant loss of licence.

The adult passengers were also fined with failing to wear a seatbelt.

2 February 2017:

A MAN had his licence suspended for a year after he was caught drink driving in Ceduna last Thursday.

Police stopped a Ford station wagon on Denial Bay Road at about 4.30pm and breath tested the male driver who returned a positive reading of 0.165 per cent.

Just before 8pm, police stopped the woman as she was driving a Holden sedan along Poynton Street for a mobile screening test.

The 31-year-old Ceduna woman provided a positive preliminary breath test and later returned a breath test result of 0.134 per cent.

She lost her licence for six months and will be summoned to appear in court at a later date.

12 January 2017:

TWO youths were arrested following a police pursuit with a stolen van at Ceduna last week.

8 December 2016:

POLICE reported a man for speeding and drink driving in Ceduna last Thursday.

Police were conducting speed detection duties along the Eyre Highway west of Ceduna when they detected a car travelling at 124 kilometres an hour in a 110km/h speed zone.

Police breath tested the driver who allegedly produced a blood alcohol reading of 0.114 per cent.

The 46-year-old was issued with a six-month instant loss of licence and had his car impounded.

27 October 2016:

A WEST Coast man was arrested following a domestic disturbance in Ceduna last Tuesday night.

Police were called to Goode Road following reports that a woman had been stabbed. She was found adjacent to the Eyre Highway with a stab wound to the leg and taken to the Royal Adelaide Hospital in a serious condition.

A 54-year-old man was charged with aggravated assault causing serious harm. He was refused police bail and appeared at Ceduna Magistrates' Court the following day.

28 August 2016:

A DRIVER was reported for traffic offences after rolling his car near Penong on Saturday… It seems the driver had taken evasive action to avoid an echidna that was crossing the road.

The 59-year-old Yalata man was reported for drink driving and failing to immediately report the crash to police. He recorded a blood alcohol reading of 0.261 - more than five times the legal limit.

10 July 2016:

POLICE have arrested a woman following a domestic disturbance near Ceduna on Friday night.

Police were called to a house west of Ceduna just after 11pm, July 8, following reports that a man had been stabbed.

When patrols arrived, they located a 25-year-old man with stab wounds to his leg. He was taken to the Ceduna Hospital in a serious condition and will be airlifted to the Flinders Medical Centre on Saturday morning.

A woman was arrested at the scene and was also treated for minor injuries at the hospital.

Police advise that both parties were known to each other and this was not a random incident.                                                                                                                                                                                          

16 May 2016:

A 27-year-old man was arrested after leaving his ID at the scene of a break-in at Ceduna on Saturday, May 14.

Just after 5am, neighbours of an elderly resident in Collins Street, Ceduna, woke to the sound of smashing glass.

The neighbours, including an off-duty police officer, investigated the scene and startled the two offenders, who ran off.

One of the suspects left his bank card at the scene and was subsequently arrested and charged with two counts of aggravated serious criminal trespass, two counts of illegal interference, property damage and theft.

It will also be alleged the 27-year-old Koonibba man stole a number of items from a shed.

21 March 2016:

THREE Ceduna men were taken into police custody and were charged with aggravated counts of robbery and serious criminal trespass after cars were stolen and a service station broken into last Wednesday night.

At about 8.45pm, a Ceduna man was allegedly assaulted by three men and had his Holden sedan stolen. Police will allege the trio then drove to Streaky Bay and broke into a service station before continuing to Port Kenny. Once there it is alleged they stole another vehicle which was later located by police near Streaky Bay. The three men were found walking along the highway the following morning and were arrested by Ceduna detectives. They were charged with aggravated robbery, serious criminal trespass and illegal use, and appeared at the Ceduna Magistrates' Court on Thursday.

To an outsider looking in it doesn’t seem like much has changed for the better in relation to criminal activity since Indue's cashless debit card has been in use.

Perhaps ministers Tudge and Porter might like to comment further?

UPDATE

The Sydney Morning Herald, 7 March 2016:

Indue is owned by mutual lenders such as credit unions. It issues payment cards, including pre-paid cards for the likes of Coles and on behalf of the federal government to welfare recipients…….

Indue had $27.4 million in total (tier I and tier II) capital as of June 2015.

It only uses the licence to take deposits on its pre-paid cards for corporations and government clients such as the Department of Human Services.

Mr Garcia has won a government contract to issue cards to welfare recipients in the Northern Territory and Western Australia that limits what they can buy to essential goods, and hopes it will be rolled out nationally.

This could significantly boost profits on its own but it would still need additional capital, he said.

The company made a $3.5 million profit in 2015 on revenue of almost $70 million. It paid its owners a dividend of $12 a share.

The following is information based on the ASIC Current & Historical Company Extract for Indue Ltd, ACN 087 822 464, 3, May 2017.

Indue Ltd is an unlisted public company formerly known as: Credit Union Settlement Services Ltd from 01/12/1992 to 27/03/2001 and Creditlink Services Ltd from 28/03/2001 to 30/11/2005.

Registered address: Level 3, 601 Coronation Drive, Toowong QLD 4066

Appointed Auditor: KPMG

Share Structure: 111,431 fully paid A CLASS VOTING SHARES with total worth declared as $15,521,960 and 14,751 fully paid B CLASS NON VOTING SHARES with total worth declared as $1,743,100. Shareholding not broken down by named shareholders.

Current company directors recorded by ASIC:

PETER TOWNSEND,13 Korogora Street, CRESCENT HEAD NSW 2440

SCOTT RODNEY KING, 116 Bathurst Street, PITT TOWN NSW 2756

ROBERT DAWSON PETIE, 11 Pring Street, TARRAGINDI QLD 4121

AILEEN ELIZABETH CULL, 27 Arabian Place, BLACK RIVER QLD 4818

FRANK GULLONE, 8 Bernarra Court, DONVALE VIC 3111

GEORGE FINLAY BELL, Unit 26, 9 Jardine Street, KINGSTON ACT 2604

STEPHEN ROBERT CAPELLO, 8 Valonia Avenue, SURREY HILLS VIC 3127

SALLY CLARE COLLIER, 325 Whale Beach Road, PALM BEACH NSW 2108