Citizens Advice is warning that the expansion of Universal Credit is a disaster waiting to happen, as new findings show it is pushing people further into debt. Universal Credit merges six existing benefits into one, including tax credits, housing benefit and employment and support allowance. The charity said the government’s plans to accelerate the roll-out of the benefit from five to 50 areas a month from October could have catastrophic consequences, as there are still many problems with the system including the long wait for first payment. Citizens Advice is urging the government to ensure no one applying for Universal Credit waits longer than six weeks for an income, and that anyone who needs it gets a payment within two weeks that they do not need to repay.