Showing posts with label Indue Limited. Show all posts
Showing posts with label Indue Limited. Show all posts

Monday, 14 October 2019

What if privatisation of Centrelink pension/benefit/allowance cash transfer delivery ends in tears?


It is increasingly evident that Australian Prime Minister and Liberal MP for Cook Scott Morrison eventually intends to place all Centrelink clients on the Indue Limited Cashless Debit Card.

Apparently this policy change comes under the heading of either 'tough love' or 'compassionate conservatism' - whichever term Liberal and Nationals MPs and senators think sounds good at the time - when in reality it is establishing yet another market for poverty profiteers*.

In all the pious and poisonous spin being uttered by those making war on the poor and vulnerable, there has been little said about any government guarantee covering the millions Centrelink regularly deposits with Indue Limited.

What happens to the mandated 80 per cent of a Centrelink client's welfare payment held on the Cashless Debit Card if Indue ceases to trade, trades while insolvent or is placed under administration? 

How many corporate debtors would take precedence over welfare recipients in the distribution of whatever assets Indue had left if it declares bankruptcy?

Would sole parents, the unemployed, students, disability and age pensioners or other recipients ever get back any of the money which has been forcibly retained on these debit cards?

Notes

* See: Bielefeld, Dr. S, Griffith University Law School (2018), Technologising the poor: Cashless Debit Card trials expanding despite no credible evidence regarding positive outcomes  

Sunday, 13 October 2019

Abbott-Turnbull-Morrison Government and Indue Limited still haven't ironed the bugs out of the punitive cashless debit card scheme


The Abbott-Turnbull-Morrison Government's Indue Limited cashless debit card trial began three and a half years ago in March 2016 and still neither Centrelink nor Indue have ironed the bugs out of this debit card scheme.

In the current total debit card trial population, 1 in 12 people on the have applied to come off this card by 31 July 2019.

There are reportedly 6,000 people on the cashless debit card trial in regional southern Queensland and some are speaking up.....

ABC News, 8 October 2019:

...some of the people taking part in the trial feel the cashless debit card places unreasonable restrictions on their spending and can even make it more difficult to save.
They said they could no longer buy second-hand goods online, often don't have enough cash for cheaper supermarket food, and the debit card restricts payments to money owing on credit accounts.
"It's definitely made things a lot harder, I've found it harder to budget," Childers resident and single mother Hannah Leacy told 7.30.
"I'm losing out on interest that I could potentially be building up in my savings account if I'd been able to transfer that."
She feels she is being penalised for something she hasn't done.
"I got my first job at Domino's when I was 13, and I've had a job ever since," she said.

"I've been independent up until now, and now at 34, I'm now deemed to be incapable of making appropriate choices, financially.".......
People forced onto the cashless welfare card as part of a trial in the Bundaberg-Hervey Bay area of Queensland say they feel stigmatised and humiliated by the Federal Government.
"I feel like in the Government's eyes I'm a lesser person. In the public's eyes it's much, much worse," Kerryn Griffis told 7.30.
"What have I ever done for the government to treat me this way? To treat thousands of other people this way?

"We've been branded as drug addicts and alcoholics and gamblers and dole bludgers.
"Most of us are just doing the best we can to get by.".....
But for Ms Griffis, the trial feels like a punishment.

"If my partner was to quarantine some of my money and tell me where and when I can't spend it, tell me it's for my own good … people would be screaming financial abuse," she said.
"Why is it OK for the Government to do it?"

Tuesday, 8 October 2019

Nationals MP for Page Kevin Hogan avoids questions about Coalition Government-Indue Limited's punitive cashless debit card for welfare recipients


Clarence Valley Independent, 2 October 2019:

The latest federal budget underwrote $128.8 million over four years, from 2019-20, to fund the trial rollout of the Cashless Debit Card (CDC), including the provision of “funding to expand the Cashless Debit Card to a fifth site”.
Test areas are located in the Ceduna region in South Australia (from March 2016) and the East Kimberley (from April 2016) and Goldfields (from March 2018) regions in Western Australia.
In January this year, a trial commenced in the Bundaberg / Hervey Bay region in Queensland – the Clarence Valley local government area is statistically much the same as Hervey Bay’s, according to the 2016 census, apart from the valley being home to a larger indigenous population.
“This proposal is expected to have a positive impact on regional Australia by reducing alcohol consumption, illegal drug use, and gambling in communities and providing improved technology for participants subject to welfare quarantining,” the Department of Infrastructure, Transport, Cities and Regional Development website states.
Another Clarence Valley publication recently ran a headline with Page MP Kevin Hogan reportedly saying the implantation of the cashless welfare card is a “no brainer” an described his position as an “impassioned defence” of the CDC.
With the possible rollout of another trial area and the similarity of Clarence Valley LGA’s census data to the Hervey Bay area, the Independent sought Mr Hogan’s thoughts, preparing several questions (with context provided) and putting them in an email, along with an invitation to speak directly about the issue, which Mr Hogan declined.....
Read the full article here.

Wednesday, 11 September 2019

Morrison Government continues to mislead concerning results of Indue Cashless Debit Card trials


“it is difficult to conclude whether there had been a reduction in social harm and whether the card was a lower cost welfare quarantining approach.” [Australian National Audit Office ANAO, The Implementation and Performance of the Cashless Debit Card Trial (Performance Audit Report, 1 of 2018-2019)]

Prime Minister Scott Morrison said.....




His minister said.....

The Courier Mail, 29 August 2019:

YOUTH unemployment has dropped since the cashless welfare card was introduced to Bundaberg and Hervey Bay, while the number of people in the region on welfare has fallen at double the national rate. 

For the first time the impact of the controversial card can be revealed, as a push for the trial to be rolled out nationally intensifies. 

The trial was rolled out in the region in January this year, the first test sites outside predominantly indigenous communities. 

The card quarantines about 80 per cent of dole payments so they can’t be used for drugs, alcohol or gambling. Social Services Minister Anne Ruston, in Hervey Bay today, will reveal the number of people on Newstart or Youth Allowance has dropped. 

In Bundaberg people on the welfare payments dropped 8.7 per cent, or by 502 people, to 5277 recipients in the past year, while in Hervey Bay there has been a 10 per cent fall to 3482 recipients. 

This compares to a five per cent drop of people on Newstart or Youth Allowance nationally. Youth unemployment in the region has dropped from 19.8 per cent in January to 18.5 per cent last month. 

Senator Ruston said the region was “punching above its weight” with the significant reduction in people relying on welfare payments. 

“We believe the cashless debit card is supporting people to demonstrate personal responsibility for their finances, helping to encourage financial independence and addressing intergenerational welfare dependence,” she said. 

There are 5746 people in the region on the CDC, while about 700 people have come off the card, either because they found work or they were suspended from welfare payments for breaching the rules. 

Hinkler MP Keith Pitt said if the trial was successful it should be rolled out nationally for people under 35. [my yellow highlighting]

Siewert said......

Fraser Coast Chronicle, 3 September 2019: 

It was disappointing to see the government once again spread misinformation about the Cashless Debit Card in the Hinkler region. 

The government claims that unemployment has dropped in the Queensland trial site but they have used the data for the much larger region of Wide Bay as the basis for this claim. 

It’s like saying that unemployment has dropped in Canberra using the figures for the whole of NSW and I urge people to look more closely at their claims. 

Unemployment figures in the Wide Bay area dropped quite a bit before the trial started and have changed slightly since the card’s introduction and if you actually go and look at the raw data, they are clearly subject to seasonal variation. 

If government really has the evidence to prove it’s working, then release it.

If they are making these claims on data they have available it should be released for all to see. 

Communities are crying out for more support and services but instead community members are put on a card that makes life harder for them. 

The issues that this card is purported to address are complex and need individualised approaches to address. 

Despite the ANAO report saying there is no evidence of a reduction of social harm the government wants to continue to roll out the card. 

My office hears from people constantly who cannot pay their rent or bills using the card, who have problems with the card, who are not able to use cash economies like markets, second hand shops or op-shops to help them make ends meet. 

 RACHEL SIEWERT 
 Greens Senator for Western Australia
 [my yellow highlighting]

Tuesday, 13 August 2019

An as yet unconfirmed rumour about the Indue Cashless Welfare Card


Indue Limited (ABN 97 087 822 464) is a bank and Authorised Deposit-Taking Institution (“ADI”) that is regulated by the Australian Prudential Regulation Authority. Indue is owned by financial institutions, each of which is also an ADI. Indue provides transaction processing and settlement services to credit unions, building societies, church funds, mortgage originators, commercial clients and the Australian government.

via @CartwheelPrint


Facebook, The Say NO Seven, 9 August 2019:

🐦⚠⚠⚠⚠⚠ #LNP_CASHLESS_CARD_AGENDA 


Whistle blower testimony sent to the SNS has confirmed the LNP agenda for Indue Cards.


As long time members are aware, the SNS operates an encrypted mail service and drop box specifically for those people within the system to speak out in relative safety.


A rarely used resource, this week and we assume as a direct result of the the muzzling of certain sectors, we have received information from two independent sources attached to the department and public service that corroborate our concerns.


The LNP Agenda is clear. They are "confidant" that regardless of whether ALP support/do not support further expansions, that with Cross Bench support, they will reach this target prior to the next Federal election.


We do not send this notice to generate groundless fear. We send it to inform you and to inform those within our government who feel themselves above the law and the will of the people, that we *will* and will continue to resist.


We have deliberated deeply about presenting this information, which should come as no real surprise to those are literate in card matters and current political machinations.


We concluded it was necessary to post, despite being unable to provide documentation to you at this time, as has been our standard thus far and will continue to be. The risks are simply too great to not speak out now, while we still can, and are as great as the risks whistle blowers face if we provide any further detail.


We can confirm the sources are credible, reliable, are informed, and have been vetted.


⚠ We must reiterate that AT THIS TIME there are NO Bills before parliament that would permit ANY further roll out in ANY location nor are there any current Bills before parliament to expand payment captures to include aged pension aka under the Act as Mature Aged Payment. 


We must continue to remain steadfast and take one step at a time, and take each presentation to parliament as it comes.


Information sharing over several weeks along with these new posts has confirmed that four Bills concerning or including cashless cards are in progress and that these Bills may arrive as a single Omnibus Bill. We are informed that the writing of these Bills has been outsourced to partisan legal interests.


Even so, as we said, we must remain steadfast and take each presentation to parliament as it comes and not allow fear to dictate or determine *our* outcomes decisions or directions.


We send this to you for 'the grace of time' - for your emotional and mental preparation and for wider general awareness of what we are likely to be facing over the next three years.


We will post over the next week on just what this agenda, if successful, could mean for Australians and our nation and economy; on the utilization and role of religious groups as relates to LNP's social welfare policy as a whole; and we will also speak on issues of effective resistance.


Now we know. Time to wake the masses.


Heads up..eyes open..no fear. ✊


- SNS🌿