1. Are proud to present... And

2. A Bank Account With A Different Credit Union Account Credit Union The The

3. Current Problems Ability to sign consistently Not sharing pin number Open to people taking advantage Lots of benefits and lots of payments to make

4. Problems For Providers (like The Care Division) L.A £120 per week for client living expenses Money goes in to The Care Division Client Account Client supported to go shopping I withdraw £120 Money taken to client, X £120 per week transferred in to my private account I take it to the officeGive it to support workers

5. £120 x 20 (& growing) = £2400 +++ per week S.Piper personal account Withdraw cash £120 to each client MY BIG PROBLEM…

6. Problems For Local Authorities Housing Benefit Council Tax Benefit Disability Living Allowance Mobility Allowance Continuing Healthcare benefit Income support Incapacity Benefit Employment and Support Allowance... Housing Provider Supported Living Provider Day Service Provider Mobility Provider / Transport X Direct Payments / Individual Budgets LA’s becoming bankers

7. Phase 1 – The Provider Solution Available NOW – Through TCD The client has a joint DCUCU account with their care provider or designated person The account is online – transparent and immediate £120 in by LA All or part transferred to a pre-paid card Card “topped up” to a maximum amount each week (£120?) Client supported to withdraw / spend cash ….Simple!

8. Phase 2 – The LA Solution Available from January 2012 The Managed Account One Account With many pockets…

9. One Account – Many Pockets Housing Allowance Support Allowance Mobility Allowance Money For Bills Closed Open Living Allowance Housing Association Support Provider Mobility Provider BT Gas Electric Water Charge Card Food Shopping, Clothes Shopping, Etc

10. In: Housing benefit 22/08/11 In Council Tax Refund 05/09/11 Out Rent 06/09/11 Etc… In: LA Living Allowance 30/08/11 Out CARD PAYMENT Tesco 02/09/11 Out CARD PAYMENT M&S 08/09/11 Etc… In DLA Mobility 01/08/11 Out Motability 14/08/11 Etc… In Benefit 01/08/11 In Benefit 14/08/11 Out Day Centre 08/08/11 Out Day Centre 15/09/11 Etc… In: Benefit 22/08/11 Out BT 06/09/11 Out British Gas 08/09/11 Etc… Easy to see what’s going in… Housing Allowance Support Allowance Mobility Allowance Money For Bills Living Allowance … & what’s going out!

11. A Bank Account For Everyone No-one needs to be excluded from having a DCUCU account Local Authorities can properly allocate funds and hand over responsibility to the client & their representative Easily accessible by those who need to access Secure from others Full Transparency Instantly auditable

12. Administrated by Care Provider / selected person in circle of support Client can change joint account holder when needed Interest gained on deposits held Easy to follow, easy to budget, easy to use DCUCU - Finally enabling clients to take control of their Direct Payments control of their Direct Payments