UC Claim review - HELP
Comments
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They don't ask for receipts for what you spend your money on. The same as they don't ask for receipts if your capital is less than £6,000 because they don't need to know about that.
If someone has capital of more than £6,000 and it drops, they may ask for receipts. Same applies if someone has more than £16,000 and benefits stop. Once it drops below that amount and you reclaim UC then they may ask for receipts.
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Thanks Poppy makes me ill worrying thanks for everything I was shaking this morning even my daughter was get a grip she' said last night you can't keep living like this wish I didn't have such a fear of them it's really bad
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Catherine 21
It's easy for people to say stop worrying but when you have bad anxiety it's really tough to control your worry, your thoughts of what will go wrong spiral and take you with them.
After what Poppy said about the housekeeping I'm much more positive but the whole thing is still hanging over me like a dark cloud.
So I won't say don't worry but keep up the strength and try to fill your mind with something else.
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Thankyou you too yes gave me strenght poppy's messages going council today to give the information they want have a good day
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what do they ask you when they ring you regarding a claim review for uc ? we don't have any savings at all & we are very lucky to have my husbands mum & brother help us financially every month , between them they send £225.00 to use for whatever we may need , I sent 4 months worth of bank statements to them yesterday, my husband has misplaced his passport but once he finds that then I can send our photo id's in , I found out yesterday via scope chat that they won't take the money into consideration that is gifted from family members ( Thank goodness!) I like others on here is doing summer salts with utter panic regarding the phone interview, we haven't been told that they are going to ring but I'm sure they will do! what sort of things do they ask please 🙏 honestly I feel so so sick with worry, I hope that they Don't sanction us because we never told them family members were helping financially, I wish I could go to bed and wake up when it's all over ! Thank you for taking the time to read my post & A Huge thank you should you be able to reply back 😊! Xx
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I was asked numerous questions about outgoing transactions, some large (credit card) some small (£12pm window cleaner).
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I haven't even got my letter yet I will feel exactly the same xx
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Hello, @poppy123456
My first ever post here, so please be kind! Sorry about the long post and thanks in advance for reading it. ** I also have ADHD**I’m seeking guidance on an issue related to my Universal Credit (UC) claim, particularly about a second bank account I opened and some financial transactions. I’m worried about how the Department for Work and Pensions (DWP) might interpret this during their review, and I’d appreciate advice from anyone with experience or insights.
The Background:- I’m a full-time carer for children with special needs, and my only income comes from Universal Credit, Disability Living Allowance (DLA), and Carer’s Allowance.
- I’ve been receiving UC for a while, and my total capital has always stayed below the £6,000 threshold during every assessment period.
- I opened a second bank account with the same bank some time ago. This account was dormant initially but is now used for managing funds.
- I occasionally send money abroad to support close family members who rely on me financially.
- I often transfer money between my two accounts before sending it abroad. My reasoning for opening the second account was to safeguard funds in case of scams or account hacking.
- At the time of opening the second account, I didn’t realise I needed to report it to UC, as I assumed that only balances over £6,000 were relevant. I’ve since learned this might not be the case, and now I’m concerned about potential consequences.
The Issues:- The DWP has recently requested four months of bank statements for a review.
- The transfers between my two accounts and the remittances abroad will show on the statements. There is no consistent pattern to these transactions (amounts vary month to month).
The Questions / Concerns:- Should I proactively submit statements for both accounts now or wait to see if the DWP asks for details about the transfers? The last 4 statements show one or two transfers, each month, paid into an unnamed account number, which is in fact my unreported account.
- What potential issues might arise from not reporting the second account earlier?
Conclusion:I’m very scared of losing UC as it’s the only thing keeping a roof over my children’s heads. If my UC were stopped, I would be left with no way to pay rent, and my children and I could become homeless. This thought is overwhelming and making me feel panicked, especially as I have no local support network to turn to. I’m trying my best to manage everything, but with my ADHD and the challenges of being a full-time carer, it feels like everything is piling up. God bless us all, and once again: thanks!
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You don't necessarily need to report when you open a new bank account, especially if you are still under £6k.
When UC ask for bank account statements during these checks, they mean any and all accounts so yes you must submit statements for both accounts.
If you don't, they will see the transactions and ask after your telephone interview for further statements, delaying completion of the check.
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Thank you so much for clarifying this for me.
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Can you please let me know how long after I upload my documents they schedule the phone interview? Thanks a bunch!
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It varies from person to person, there is no way of knowing how long it will take for your review I'm afraid.
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No problem, I understand and thanks once agin!
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