I would like something like full payment of universal credit for the first year, then a taper using a profit figure of the higher of actual earnings or, say, 16 hours a week at the minimum wage, then, for year 3, 24 hours minimum wage, and thereafter 37. Once a creditor has a county court judgment (CCJ) against you, they may also apply for an order to freeze money in your bank account, a warrant allowing bailiffs to visit your property to try to take your goods or an order allowing them to take regular deductions from your wages at source. To his credit, Rossi is not afraid to try and look at issues such as this and delve into the more complex aspects of Smith's psyche but the problem is that we never really get any clear answers.
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