Black is strongly critical of the government over Universal Credit, she maintains delays in payment have serious effects on claimants and loans must be paid back later. Black said in Parliament that the government were like a, ‘pious loan shark – except that instead of coming through your front door they are coming after your mental health, your physical well-being, your stability, your sense of security – that is what the experience is for all of our constituents’. She added, ‘Plunging people into debt does not incentivise work, forcing people into hunger does not incentivise work, causing anxiety and distress and even evicting some families from their homes does not incentivise work.’[35]