'Universal credit is a nightmare – the stress is overwhelming'

Jacqueline Widick, 47, on how osteoarthritis has left her struggling to pay her billsName: Jacqueline Widick
Age: 47
Income: universal credit of £732 a month
Occupation: former administratorI’m on universal credit and it’s an absolute nightmare. I applied for it in November when my contract admin role suddenly stopped. Although I had no savings, the Department for Work and Pensions said I made enough money in November and so I didn’t receive any payment until 8 January. I