Drink Driving, Universal Credit, Mortgage Advice

Available for over a year

It's the new benefit system designed to replace six existing benefits with one single payment and is being introduced in phases over the coming years. The Government says it will make getting into work easier and save money. But Universal Credit has been dogged with problems and delays. How is the new system working for those who've made the change and are the problems just teething ones that will iron out over time or signs that it needs a serious rethink. You & Yours investigates. The number of drink-driving offences recorded in Scotland has dropped by 17% in the first three months since a lower alcohol limit was introduced. The new law means just one drink could put you over the legal limit. Should it be introduced throughout the UK? And as the property market revives, so too are reports of bad behaviour. We hear from the You & Yours listener who was offered a "discount" if he used the Estate Agent's in-house mortgage broker.