What to Do When Universal Credit Leaves You Feeling Like a Failure

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Universal Credit is meant to be a safety net, a system designed to support individuals and families during challenging times. Yet for some, the experience can feel more like a trap than a lifeline, especially when the system seems to dismiss their efforts, stonewalls requests for help, and contributes to feelings of inadequacy and self-doubt. If you’ve poured your heart, soul, and finances into building your business, only to feel belittled and unsupported by Universal Credit, you are not alone.

Here’s what you can do if Universal Credit has made you question your worth, impacted your mental health, and left you struggling to carry on:

1. Acknowledge Your Feelings

It’s essential to validate how you’re feeling. Frustration, anger, and sadness are natural responses when your hard work feels unrecognized. You are not a failure. The system’s shortcomings are not a reflection of your value, your effort, or your potential.

2. Seek Support for Your Mental Health

If Universal Credit’s actions—or lack thereof—have caused your mental health to deteriorate, seek help. Speak to a healthcare professional about how you’re feeling. Adjusting your medication, as some have had to do, is a valid step, but it should be part of a broader plan that includes therapy, support groups, or even conversations with trusted friends and family.

3. Advocate for Yourself

When you’ve repeatedly requested help from Universal Credit and been stonewalled, it’s easy to feel powerless. However, persistence can pay off.

• Document Everything: Keep records of every communication with Universal Credit, including dates, times, and the outcomes of conversations.
• Escalate Your Case: If you feel ignored, consider contacting your Member of Parliament (MP). MPs can intervene on your behalf and help ensure your concerns are addressed.
• Engage an Advocate: Citizens Advice or other advocacy organizations can help you navigate the system and may be able to secure a response more quickly.

4. Focus on Your Accomplishments

The self-doubt and intrusive thoughts that come from dealing with Universal Credit can overshadow your achievements. Take time to remind yourself of what you’ve accomplished—whether it’s running a business, studying, or caring for someone. These are no small feats, and they show your resilience.

5. Know You’re Not Alone

Many people share your struggles. As MP Rupert Lowe recently commented on LinkedIn, “Half the politicians couldn’t make policies if they’ve never experienced poverty, mental health issues, or had to run a business.” His words highlight a disconnect between policymakers and the realities faced by everyday people. Knowing others see and understand these challenges can help reduce the isolation you may feel.

6. Consider Professional Advice for Your Business

If running your business feels overwhelming due to financial pressures and emotional strain, seek advice from professionals or local business support groups. Many organizations offer free or low-cost support for small businesses, from managing finances to finding grants or funding.

7. Take Small Steps Each Day

When depression makes it hard to function, focus on small, manageable steps. Break tasks into tiny parts and celebrate small wins. Over time, these small steps can add up and help you regain a sense of control.

8. Raise Awareness

If you feel up to it, consider sharing your story. Whether it’s through social media, local forums, or speaking to journalists, raising awareness about the challenges caused by Universal Credit can help push for changes to the system.

Final Thoughts

It’s unacceptable for a system designed to help to instead leave people feeling like failures. If you’re struggling, remember: this is not your fault. The gaps in Universal Credit’s processes do not define your worth. Focus on seeking support, advocating for change, and taking care of yourself. Change takes time, but together, individuals and communities can demand a system that works for everyone, especially those who need it most.

Here is an extract from a post made by MP Rupert Lowe: “For many who run a small business or work as self-employed, this time of year is often the only chance to truly unwind. The ongoing stress and pressure of going it alone is hard to put into words. No sick days, no paid holidays, no 9-to-5 routine. The responsibility weighs on you constantly. But that’s what running a business is all about. You took the risk, and I sincerely hope it’s paying off. Unfortunately, I don’t think politicians who’ve never been in that position can truly understand what it takes. Take Rachel Reeves, for example—she has a comfortable job with zero personal risk or stakes involved. While her professional career raises its own questions, she’s never experienced the realities of running a business. She’s never tried and likely never will, which means she’ll never fully grasp the challenges. So when she imposes an “employment tax” on hardworking risk-takers, it’s clear she has no idea of the real-world consequences her policies create”. Read the full commentary on LinkedIn here.