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In June the Social Security Advisory Committee warned against proceeding with the "waiting days" policy blamed for the arrears problem.
"We have an arrears problem," said a senior administration official, who asked not to be identified because of the awkwardness of the situation.
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We've seen rent arrears problems reported to our bureaux go up in every region of England since last year, with a 13% increase across the country for social housing tenants.
The DWP-commissioned research warns that without urgent and intensive help for claimants, universal credit will exacerbate debt and arrears problems that have grown since the introduction of the bedroom tax in April.
"Consumer debts like credit cards and personal loans have traditionally been the most common debt problems that come through our doors, but since the end of council tax benefit we've seen council tax arrears problems go through the roof.
The charity said in the past year its helpline dealt with 12,408 callers in England who wanted assistance with housing costs, arrears and other debt problems – up from 8,838 in 2011-12.
Social landlord rent arrears are also a growing problem, with 80,000 people seeking help.
There is often a personal or economic problem causing the arrears and once this is understood a solution can usually be found.
This year, for a change, the elderly at least may be spared: the government says it cleared all its pensions arrears by July 1st.A second problem is that Russia has too little investment.
What should be in place to ensure that current small arrears do not become large problems?
It states: "Worries about potential re-location, not being able to provide healthy food for themselves or their children, living in inadequately heated homes and spiralling rent arrears contributed to mental health problems.
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