'Whistleblower network' confirms Cashless Debit Card trial currently sends welfare recipients' transaction histories to federal government agencies, including Dept. of Social Security

Voters have been raising many concerns on social media platforms about the Turnbull Government’s nation-wide Cashless Debit Card proposal.

Two questions frequently posed have been in relation to the fact that the Indue Ltd account created for each welfare recipient will not attract interest on any balance recorded and, the inevitability that federal government will keep a record of an individual’s purchasing history when using this card.

Other concerns have ranged from restricted purchasing options if vendor participation is low through to how rent from private landlords can be paid and the pitiful amount of cash in hand allowed under the Turnbull Government’s de facto privatisation of the Centrelink pension/benefit/allowance payments system.

A website dedicated to the idea of open and transparent government as a benchmark of genuine democracy went looking for some answers………..

The Little Bird: Support those who support the greater good, 5 May 2017:

CORRESPONDENCE WITH INDUE: #CASHLESS WELFARE CARD

I recently emailed a list of questions to Indue after reading their cashless welfare card Conditions of Use.

QUESTIONS FOR INDUE

Dear Sir/Madam,

I write to you with questions based on the document at https://indue.com.au/wp-content/uploads/Conditions-of-Use.pdf Why do you not pay interest on the funds kept on Indue cards? How was the list of restrictions you impose on card holders drawn up?

These restrictions include:

* refusal to pay interest on savings;

* preventing joint banking;

* refusing the ability to pay down other credit cards;

* refusing the ability to set up direct debits;

* refusing chargeback rights provided with normal bank card purchases;

* construction of merchant whitelist/exclusion list.

Who were the stakeholders in the decision making process to create the above list of punishments and where is the documentation to provide accountability to the public about how this list was developed?

Can you please list the datasets that you share with other organisations and the organisations that you share this data with?

Why do you collect information about taxi rides taken by people using your debit card? What information do you collect about journeys taken by card holders?

Why are Indue account holders required to provide you with ‘external account information’?

Is it the case that you supply card holder transaction history with the Commonwealth Government? (p64)

What is the name of the ‘overseas service provider’ that you share card holder information with? (p65) What data does the Indue DCT App collect? (p71)

thank you for your time Rosie Williams BA (Sociology) whistleblower.network

Here is their reply. I have coloured text in red where I have concerns.

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Dear Ms Williams

Thank you for your questions regarding the Cashless Debit Cards issued by Indue in connection with the Commonwealth Government’s Cashless Debit Card Trial.

Account Restrictions and Interest on Funds

The restrictions associated with the Cashless Debit Cards and Accounts including the decision to offer fee-free accounts and not to pay interest on the funds in accounts were decisions of the Commonwealth.  Any questions related to the decision making process surrounding the Cashless Debit Card Trial should be directed to the Department of Social Services at debitcardtrial@dss.gov.au.

Although the Department of Social Services is best placed to answer your questions regarding the restrictions, we take this opportunity to clarify the following with respect to the restrictions noted in your correspondence:

*  chargeback rights that exist for Visa debit cards issued by other financial institutions also apply to the Cashless Debit Cards.  Indue encourages anyone who believes that an  

    incorrect or unauthorised transaction has occurred through the use of their Cashless Debit Card to contact Indue’s Customer Service Centre on 1800 710 265;

*  cardholders are able to enter into direct debit arrangements with third parties by using their Visa Card number but not their BSB and Account Number; and

*  cardholders are able to transfer at least $200 per 28 days from their Cashless Debit Card account to a third party account which may be used to pay down any credit card debt.  If

   cardholders believe that the restrictions in place are causing them financial hardship by preventing them from paying off credit card debt, then Indue recommends they contact the Department of Social Services on 1800 252 604.

Privacy

Indue only collects and discloses information for the purpose of providing services to cardholders and providing information to the Commonwealth for the purposes of the Cashless Debit Card Trial.  The information that Indue shares in the course of providing the services includes details such as a cardholder’s name, date of birth and address as well as transactional information, including the amount of a transaction, where a transaction was undertaken and who the payment was made to or received from.  It is essential to provide these details to payment scheme providers so that transactions can be made. In addition to the Commonwealth, in the course of providing the services to cardholders Indue may provide information to:

*  service providers who Indue operate the accounts (such as the card manufacturer and Indue’s payment switch);

*  payment scheme providers (such as Visa, BPAY and APCA);

*  regulatory bodies, government agencies, law enforcement bodies and courts;

*  other participants in the financial systems (such as other financial institutions for the purpose of resolving disputes, errors or issues in relation to Accounts); and

*  other parties as is authorised or required by law.              

Information regarding taxi journeys may be collected to ensure merchants cannot circumvent welfare restrictions. 

External account information

There is no obligation on Indue account holders to provide Indue with their external account information.  In certain circumstances Indue may request this information from account holders or the Commonwealth so that Indue can facilitate a transfer from an Indue account to a cardholder’s external account.  For example, to return any residual funds to a Cashless Debit Card account holder upon the closure of their account.

Provision of transaction history to the Commonwealth

As set out in the Conditions of Use for the Cashless Debit Card (available on our website at www.indue.com.au/dct/cou), Indue shares information collected about cardholders with the Commonwealth.  This information may include the cardholder’s address, date of birth, contact details, transaction history and communications a cardholder has had with Indue about their account. This is necessary for the Commonwealth to operate aspects of the trial.

Indue DCT Application

Once the Indue DCT Application has been installed on a device and a card holder has logged into their account, Indue will collect device identification details including DeviceId, DeviceName, DeviceModel, DevicePlatform and DeviceVersion. These device details allow Indue to identify the type of device used by a card holder. These details are necessary for the Application to allow in-application notifications to card holders. 

Yours sincerely,

customer service centre

PO Box 523, Toowong QLD 4066

phone 1800 710 265

email dct@indue.com.au  web indue.com.au/dct

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

Meet the new 'welfare bashers' on the block

North Coast Voices readers who follow Twitter may have noticed the account @creatingparity which is pushing the idea of a national Cashless Debit Card (CDC) for welfare recipients which will severely restrict an individual's choice in how they bank and spend any fortnightly/periodic payment or lump sum – only allowing access to an inadequate amount of cash in hand for bus, rail, taxi  fares and purchases from stores/businesses which don't accept debit cards outright or only accept cards if their own minimum purchase price is reached.

Creating Parity

On 4 May 2017 Whois listed Neil Pope as the registrant contact person of creatingparity.org.au. Mr. Pope is Technology Manager at the Minderoo Foundation.

Minderoo Foundation Pty Ltd (formerly known as the Australian Children's Trust Pty Ltd) is a 15 year-old WA-based corporation purporting to benefit "The general Australian public" which is run by The Trustee for The Minderoo Foundation Trust (service address swells@minderoo.com.au) with the following people at the helm:

Andrew Forrest BA Chairman (billionaire architect of the cashless debit card aka "Healthy Welfare Card" proposal)

Nicola Forrest BA Chief Executive Officer

Grace Forrest BA Director

Herbert Elliott AC MBE Director

Tony Grist BCOM, FINSIA, AICD Director

The Honourable Malcolm McCusker AC CVO QC (millionaire former Governor of Western Australia)

Tonya McCusker Alternate Director

Allan Myers AO QC Director

According to the foundation In the 2015 financial year the Minderoo Foundation contributed over AU$28 million across its philanthropic focus areas.

In 2016 financial year it declared Total Comprehensive Income of $15.353 million and spent a total of $19,356,519 on projects and partnerships with Arts, Culture & Community, Forrest Research Foundation, GenerationOne, Thrive by Five and Walk Free.

Minderoo is Forrest's go to name when forming corporations and at last count he had at least fourteen active corporations and business names registered with the Australian Securities and Investment Commission which included that word. 

So why is this self-styled philanthropic organisation on Twitter indulging in the favourite far-right pastime of 'welfare bashing':

Creating Parity‏ @creatingparity  11:52 AM 4 May 2017

The CDC tackles the problem that current welfare policies are a systemic enabler of illicit drug use, alcohol abuse and free-range gambling.

@creatingparity also promotes www.cashlessdebitcard.org.au - a website created by the Minderoo Foundation as a propaganda vehicle for introduction of the cashless debit card.

So who is silvertail grazier and mining billionaire John Andrew Henry Forrest and why is he insisting that his grand plan to control the banking options and spending practices of literally millions of Australian citizens is one that the nation needs to have imposed on it by the federal government – and why is it this aim needs to be helped along by a privately funded, misleading advertising campaign?

Well, Wikipedia has a highly sanitized version of his life at https://en.wikipedia.org/wiki/Andrew_Forrest and the unauthorised biography Twiggy: The High-Stakes Life of Andrew Forrest apparently expands on his exploits – including allegedly using complex dealings with a charity he founded and controlled to reduce his tax liabilities.

However, the bottom line is that Non-Executive Chair of Fortescue Metals Group Ltd and principal shareholder Andrew 'Twiggy' Forrest is an extremely rich, privately educated, professed Christian with pronounced paternalistic tendencies and a strong sense of entitlement, who apparently believes the poor and vulnerable are a class of moral degenerates incapable of functioning without lifelong, punitive governmental control.

And his bully boy mission in life is to make sure that control is imposed.

And for some Budget 2017-18 early news........

@CathyWlcox1

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

So the Turnbull Government wants to quarantine your Centrelink income & family assistance payments? Time to read the fine print

A limited compulsory income management scheme was introduced by the Howard Government in 2007.

Its aim was to reduce discretionary disposable income by quarantining 50 per cent of all Australian Government income support and family assistance payments. 

Over time it was expanded to include individuals and/or certain communities in all eight states and territories and the financial vehicle for delivery was the Basics Card.

As of 25 March 2016 there were a total of 26,508 individuals nation-wide whose income was quarantined in the income management scheme and only 20.66 per cent had entered the scheme ‘voluntarily’.

An est. 20,941 people in the scheme identified as indigenous.

Of the total nation-wide figure 79.93 per cent were persons living in the Northern Territory and only an est. 2,755 (13 per cent) of those Territorians on income management were not classed as indigenous.

In October 2016 Prime Minster Malcolm Bligh Turnbull announced that the Healthy Welfare Card – the latest version of cashless debit card income management being trialled – will probably be introduced for all income support and family assistance recipients across Australia, at this stage with the exception of those on Age and Veterans’ Affairs pensions¹.

This version quarantines 80 per cent of fortnightly or other periodic cash transfer payments made to a person receiving income support or family assistance. It also quarantines 100 per cent of any lumpsum payment.

There will be few exemptions available for those who attempt to opt out of the scheme.

Given that there is: 

significant restriction on how this card can be used²,

inadequate consumer protection for card holders,

poor monthly statement record keeping in comparison with an ordinary bank account,

no monthly interest payable on any balance remaining in a welfare restricted account - unlike an ordinary bank account,

no guarantee that the entire account balance will be fully accessible to a card holder, 

no direct debiting allowed³, and

no procedure identified for retrieval/transfer to executor of an account balance on death of a cardholder,

it may be wise to read up on the fine print in advance of full implementation being announced by the Turnbull Government.

Here are the current conditions published by Indue Ltd⁴ which operates this cashless debit card:

Indue: Debit Card Account Conditions of Use  (PDF 84 pages)

Footnote:

1. According to the DSS Guide to Social Security Law, 8.7.2.30 Trigger Payment (Cashless Debit Card Trial), April 2017:

The trigger payments are:

a payment under the scheme known as ABSTUDY that includes an amount identified as living allowance,

austudy payment,

benefit PP (partnered),

BVA, so long as the recipient has not reached pension age,

carer payment,

disability support pension,

newstart allowance,

PgA (other than non-benefit allowance),

partner allowance,

pension PP (single),

sickness allowance,

special benefit,

widow allowance,

widow B pension,

wife pension,

youth allowance.

2. 8.7.6.40 Welfare Restricted Bank Accounts

3. Existing Centrepay deduction/s appear to be subtracted from a Centrelink fortnightly income support payment before the balance is split between the new welfare restricted bank account (80 per cent) and the original unrestricted bank account (20 percent).

4. Indue has been providing income management services to the federal government since at least 2009. The Department of Human Services awarded an 8.6 million contract to Indue Limited covering 1-Jul-2015 to 30-Jun-2017 for Income Management Card Services and a contract worth $840,000 for the period 1-Jan-2017 to 31-Dec-2017 supplying business administration services in the form of Benefits Cards.

Headline of the Week

You only call it class warfare when we fight back [Senator Scott Ludlam writing on medium.com, 30 March 2017]

Dear Malcolm, Barnaby, Scott, Peter, Julie, Alan and friends - before you put that federal budget to bed in May let me tell you about those living in relative poverty

As the Coalition Government approaches yet another cost cutting budget – the fourth since your political parties regained federal government – I’ve noticed how financially comfortable all six of you are in comparison to a great many of other Australians.

It must be satisfying to see your names listed against family homes, rural properties and investments:

8 March 2017	Turnbull, The Hon Malcolm, Member for Wentworth, NSW
13 January 2017	Bishop, The Hon Julie, Member for Curtin, WA
13 February 2017	Dutton, The Hon Peter, Member for Dickson, QLD
15 February 2017	Joyce, The Hon Barnaby, Member for New England, NSW
28 November 2016	Morrison, The Hon Scott, Member for Cook, NSW
16 December 2016	Tudge, The Hon Alan, Member for Aston, VIC

However, before your red pens slash across currently funded government programs covering health, education, training, community legal services and various forms of income support, you need to remove those ideological blinkers from your eyes and really look at the people you have been labelling welfare cheats, leaners, lazy bludgers and worse for the last four years.

They are not an anonymous horde harbouring a vile intent to drain money from the pockets of your family, friends and business acquaintances.

These ordinary people are not your enemy.

They are two parents with three young children but only one low-paying casual job bringing in a weekly wage.

The single mother at the bus stop who has to scrimp and save for months to buy her children new school shoes because her rent is too high and her part-time wage too small to allow her to buy all necessities easily.

The old man living alone in a rented flat who goes without meals to pay the veterinary bill for his only companion – his faithful old dog.

It is the grandmother with arthritis who gets up at 5am every weekday so she can travel to her son’s house to babysit her grandchildren so both he and his wife can work to cover the normal bills of a growing family.

A 23 year-old permanently confined to a wheelchair who is determined to live a full life and is out there job hunting every week.

Or the 17 year-old on the street selling The Big Issue to get extra money towards a boarding house bed and meals, because growing up in care left him without a support network.

It’s every middle aged person holding down three separate 8 hour-jobs each week to make ends meet in the face of widespread employer age discrimination and not enough job vacancies.

And so many volunteers in every town or village who spend their few spare pension dollars getting back and forth to the unpaid jobs that keep community alive.

These are people who deserve the certainty of an adequate universal welfare safety net – they are also the voters you will have to face in 2018.