Savings and benefits - Page 2 — Scope | Disability forum
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Savings and benefits

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Comments

  • Tumilty
    Tumilty Community member Posts: 65 Courageous
    edited November 2023
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    I have no idea. I get esa and pip, what mi mum gave me and get housing benefit so unsure what amount is what. 
    What did your mum give you? Do you have more than £6,000 in savings? 
    Hi

    It seems I'm in income based as I haven't paid enough NI contributions according to my last correspondence on paper with them. 
    I won an appeal at tribunal and was paid back a significant sum that I hear does count according to man I spoke to on phone to scope, also the money not used during lockdowns. Also since 2020 when I first got esa there have been many increases in how much I got from £260 initially to the amount now of £295
    Im unsure of what to do.. Housing benefit also.
    Advice appreciated

    Money owed from backdated benefits isn't counted as savings for 1 year from the date you receive it.

    ESA letters are well known for being very difficult to understand. Although the amount you're receiving does suggest that at least part of it is Income Related.

    In a previous comment you mentioned being worried about your flat because it's counted but you're claiming housing benefit. The flat itself isn't yours as it belongs to your landlord so this isn't counted as capital.

    If your total savings are less than £6,000 then you do not need to do anything. If they are more than £6,000 then you need to contact ESA and housing benefit because both of those will be reduced. If your savings are more than £16,000 then all your means tested benefits will end.

    I'm really not sure what else to advise you on, other than all changes must be reported.


    OK, I just thought reporting change was if I was getting better or gotten a job etc, not tell them about the money they've been paying me because I qualify for the benefit. If nowt been going out then money will build up. If my flat is not counted as capital I don't understand why it affects the housing benefit. I'd lose the flat if hb wasn't paid. 
    Also they've just increased my monthly payment too. 
     No, not when you’re claiming means tested benefits as I keep advising. If you have savings of more than the allowed amount then this is a change you must report. Not reporting it can be seen as fraud because you didn’t report the changes.

    When you have savings of more than the allowed amount then you’re expected to pay your bills such as your rent from your savings. You can’t be expected to continue with your means tested benefits if you have more than the allowed amount. 

    Are your savings less or more than £6,000? Not including the cost of living payments and the backdated money from any benefits within the last year. 
    i'm sorry i knew nothing about this, i know you mentioned before but when i panic my mind goes blank & autopilot sets in. so i will report it but it's not that much over £6000.. 

    So i will have £1 per £250 that exceeds the £6000 taken away from future ESA payments or do i have to pay back monies over £6000?
    If it's the former then it's about £7 per each fortnightly payment, It that correct?  

    When i contact DWP will this automatically happen in my next payment or is it more complex than that.. I'm sorry if i made you impatient with me.. Thanks
    There’s a £1 per week deduction for every £250 or part thereof over £6,000. You will also need to report the changes to your local Authority for housing benefit and council tax reduction. 

    For council tax reduction some LAs have a maximum savings limit of £6,000 before entitlement ends. 

    If part of those savings include money from the cost of living payments these are disregarded indefinitely and are not counted in your savings. 

    Same applies to any backdated money from any benefits that you may have received with in the past 12 months, this is also disregarded. After those 12 months it will be counted in with your savings.

    Yes any overpayment will need to be repaid back. There may also be a small fine of about £50 on top for not reporting the changes. 

    Your fortnightly ESA payments are not counted as savings until the end of the period they are paid for. 
    But i haven't been overpaid, i've been payed what i'm due as i am on ESA because of my illness & i am warranted that as i filled in the forms & was granted it..just it's gone over £6000 as i've spent less as i'm living with family.. but nevertheless i'm due the payments.. It's madness.. they're basically blaming me for money they gave me that i haven't spent.. The guy i called at Scope said i wouldn't have to pay anything back just less money in payments so i dunno
  • poppy123456
    poppy123456 Community member Posts: 52,363 Disability Gamechanger
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    I have no idea. I get esa and pip, what mi mum gave me and get housing benefit so unsure what amount is what. 
    What did your mum give you? Do you have more than £6,000 in savings? 
    Hi

    It seems I'm in income based as I haven't paid enough NI contributions according to my last correspondence on paper with them. 
    I won an appeal at tribunal and was paid back a significant sum that I hear does count according to man I spoke to on phone to scope, also the money not used during lockdowns. Also since 2020 when I first got esa there have been many increases in how much I got from £260 initially to the amount now of £295
    Im unsure of what to do.. Housing benefit also.
    Advice appreciated

    Money owed from backdated benefits isn't counted as savings for 1 year from the date you receive it.

    ESA letters are well known for being very difficult to understand. Although the amount you're receiving does suggest that at least part of it is Income Related.

    In a previous comment you mentioned being worried about your flat because it's counted but you're claiming housing benefit. The flat itself isn't yours as it belongs to your landlord so this isn't counted as capital.

    If your total savings are less than £6,000 then you do not need to do anything. If they are more than £6,000 then you need to contact ESA and housing benefit because both of those will be reduced. If your savings are more than £16,000 then all your means tested benefits will end.

    I'm really not sure what else to advise you on, other than all changes must be reported.


    OK, I just thought reporting change was if I was getting better or gotten a job etc, not tell them about the money they've been paying me because I qualify for the benefit. If nowt been going out then money will build up. If my flat is not counted as capital I don't understand why it affects the housing benefit. I'd lose the flat if hb wasn't paid. 
    Also they've just increased my monthly payment too. 
     No, not when you’re claiming means tested benefits as I keep advising. If you have savings of more than the allowed amount then this is a change you must report. Not reporting it can be seen as fraud because you didn’t report the changes.

    When you have savings of more than the allowed amount then you’re expected to pay your bills such as your rent from your savings. You can’t be expected to continue with your means tested benefits if you have more than the allowed amount. 

    Are your savings less or more than £6,000? Not including the cost of living payments and the backdated money from any benefits within the last year. 
    i'm sorry i knew nothing about this, i know you mentioned before but when i panic my mind goes blank & autopilot sets in. so i will report it but it's not that much over £6000.. 

    So i will have £1 per £250 that exceeds the £6000 taken away from future ESA payments or do i have to pay back monies over £6000?
    If it's the former then it's about £7 per each fortnightly payment, It that correct?  

    When i contact DWP will this automatically happen in my next payment or is it more complex than that.. I'm sorry if i made you impatient with me.. Thanks
    There’s a £1 per week deduction for every £250 or part thereof over £6,000. You will also need to report the changes to your local Authority for housing benefit and council tax reduction. 

    For council tax reduction some LAs have a maximum savings limit of £6,000 before entitlement ends. 

    If part of those savings include money from the cost of living payments these are disregarded indefinitely and are not counted in your savings. 

    Same applies to any backdated money from any benefits that you may have received with in the past 12 months, this is also disregarded. After those 12 months it will be counted in with your savings.

    Yes any overpayment will need to be repaid back. There may also be a small fine of about £50 on top for not reporting the changes. 

    Your fortnightly ESA payments are not counted as savings until the end of the period they are paid for. 
    But i haven't been overpaid, i've been payed what i'm due as i am on ESA because of my illness & i am warranted that as i filled in the forms & was granted it..just it's gone over £6000 as i've spent less as i'm living with family.. but nevertheless i'm due the payments.. It's madness.. they're basically blaming me for money they gave me that i haven't spent.. The guy i called at Scope said i wouldn't have to pay anything back just less money in payments so i dunno
    If you have more than £6,000 in savings and haven’t reported the changes then yes you will have been overpaid your benefits. The person you spoke to at scope was wrong to tell you that you won’t have to repay back any overpayments. 

    Why is it madness that savings over £6,000 affect means tested benefits? Yes, you’re claiming benefits because you’re entitled to them but with a small deduction for anything over £6,000 as I’ve advised you so many times. 

    Any money from all of your benefits that you don’t spend at the end of the period it’s paid for is classed as savings. It’s the law! 

    I don’t think there’s really any further advice I can give you here. 
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
  • Tumilty
    Tumilty Community member Posts: 65 Courageous
    edited November 2023
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    I have no idea. I get esa and pip, what mi mum gave me and get housing benefit so unsure what amount is what. 
    What did your mum give you? Do you have more than £6,000 in savings? 
    Hi

    It seems I'm in income based as I haven't paid enough NI contributions according to my last correspondence on paper with them. 
    I won an appeal at tribunal and was paid back a significant sum that I hear does count according to man I spoke to on phone to scope, also the money not used during lockdowns. Also since 2020 when I first got esa there have been many increases in how much I got from £260 initially to the amount now of £295
    Im unsure of what to do.. Housing benefit also.
    Advice appreciated

    Money owed from backdated benefits isn't counted as savings for 1 year from the date you receive it.

    ESA letters are well known for being very difficult to understand. Although the amount you're receiving does suggest that at least part of it is Income Related.

    In a previous comment you mentioned being worried about your flat because it's counted but you're claiming housing benefit. The flat itself isn't yours as it belongs to your landlord so this isn't counted as capital.

    If your total savings are less than £6,000 then you do not need to do anything. If they are more than £6,000 then you need to contact ESA and housing benefit because both of those will be reduced. If your savings are more than £16,000 then all your means tested benefits will end.

    I'm really not sure what else to advise you on, other than all changes must be reported.


    OK, I just thought reporting change was if I was getting better or gotten a job etc, not tell them about the money they've been paying me because I qualify for the benefit. If nowt been going out then money will build up. If my flat is not counted as capital I don't understand why it affects the housing benefit. I'd lose the flat if hb wasn't paid. 
    Also they've just increased my monthly payment too. 
     No, not when you’re claiming means tested benefits as I keep advising. If you have savings of more than the allowed amount then this is a change you must report. Not reporting it can be seen as fraud because you didn’t report the changes.

    When you have savings of more than the allowed amount then you’re expected to pay your bills such as your rent from your savings. You can’t be expected to continue with your means tested benefits if you have more than the allowed amount. 

    Are your savings less or more than £6,000? Not including the cost of living payments and the backdated money from any benefits within the last year. 
    i'm sorry i knew nothing about this, i know you mentioned before but when i panic my mind goes blank & autopilot sets in. so i will report it but it's not that much over £6000.. 

    So i will have £1 per £250 that exceeds the £6000 taken away from future ESA payments or do i have to pay back monies over £6000?
    If it's the former then it's about £7 per each fortnightly payment, It that correct?  

    When i contact DWP will this automatically happen in my next payment or is it more complex than that.. I'm sorry if i made you impatient with me.. Thanks
    There’s a £1 per week deduction for every £250 or part thereof over £6,000. You will also need to report the changes to your local Authority for housing benefit and council tax reduction. 

    For council tax reduction some LAs have a maximum savings limit of £6,000 before entitlement ends. 

    If part of those savings include money from the cost of living payments these are disregarded indefinitely and are not counted in your savings. 

    Same applies to any backdated money from any benefits that you may have received with in the past 12 months, this is also disregarded. After those 12 months it will be counted in with your savings.

    Yes any overpayment will need to be repaid back. There may also be a small fine of about £50 on top for not reporting the changes. 

    Your fortnightly ESA payments are not counted as savings until the end of the period they are paid for. 
    But i haven't been overpaid, i've been payed what i'm due as i am on ESA because of my illness & i am warranted that as i filled in the forms & was granted it..just it's gone over £6000 as i've spent less as i'm living with family.. but nevertheless i'm due the payments.. It's madness.. they're basically blaming me for money they gave me that i haven't spent.. The guy i called at Scope said i wouldn't have to pay anything back just less money in payments so i dunno
    If you have more than £6,000 in savings and haven’t reported the changes then yes you will have been overpaid your benefits. The person you spoke to at scope was wrong to tell you that you won’t have to repay back any overpayments. 

    Why is it madness that savings over £6,000 affect means tested benefits? Yes, you’re claiming benefits because you’re entitled to them but with a small deduction for anything over £6,000 as I’ve advised you so many times. 

    Any money from all of your benefits that you don’t spend at the end of the period it’s paid for is classed as savings. It’s the law! 

    I don’t think there’s really any further advice I can give you here. 
    But the majority of it is what my mum gave me, not what i've been paid by dwp, what can i do about that? should i withdraw it & give it back to her? 
  • poppy123456
    poppy123456 Community member Posts: 52,363 Disability Gamechanger
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    I have no idea. I get esa and pip, what mi mum gave me and get housing benefit so unsure what amount is what. 
    What did your mum give you? Do you have more than £6,000 in savings? 
    Hi

    It seems I'm in income based as I haven't paid enough NI contributions according to my last correspondence on paper with them. 
    I won an appeal at tribunal and was paid back a significant sum that I hear does count according to man I spoke to on phone to scope, also the money not used during lockdowns. Also since 2020 when I first got esa there have been many increases in how much I got from £260 initially to the amount now of £295
    Im unsure of what to do.. Housing benefit also.
    Advice appreciated

    Money owed from backdated benefits isn't counted as savings for 1 year from the date you receive it.

    ESA letters are well known for being very difficult to understand. Although the amount you're receiving does suggest that at least part of it is Income Related.

    In a previous comment you mentioned being worried about your flat because it's counted but you're claiming housing benefit. The flat itself isn't yours as it belongs to your landlord so this isn't counted as capital.

    If your total savings are less than £6,000 then you do not need to do anything. If they are more than £6,000 then you need to contact ESA and housing benefit because both of those will be reduced. If your savings are more than £16,000 then all your means tested benefits will end.

    I'm really not sure what else to advise you on, other than all changes must be reported.


    OK, I just thought reporting change was if I was getting better or gotten a job etc, not tell them about the money they've been paying me because I qualify for the benefit. If nowt been going out then money will build up. If my flat is not counted as capital I don't understand why it affects the housing benefit. I'd lose the flat if hb wasn't paid. 
    Also they've just increased my monthly payment too. 
     No, not when you’re claiming means tested benefits as I keep advising. If you have savings of more than the allowed amount then this is a change you must report. Not reporting it can be seen as fraud because you didn’t report the changes.

    When you have savings of more than the allowed amount then you’re expected to pay your bills such as your rent from your savings. You can’t be expected to continue with your means tested benefits if you have more than the allowed amount. 

    Are your savings less or more than £6,000? Not including the cost of living payments and the backdated money from any benefits within the last year. 
    i'm sorry i knew nothing about this, i know you mentioned before but when i panic my mind goes blank & autopilot sets in. so i will report it but it's not that much over £6000.. 

    So i will have £1 per £250 that exceeds the £6000 taken away from future ESA payments or do i have to pay back monies over £6000?
    If it's the former then it's about £7 per each fortnightly payment, It that correct?  

    When i contact DWP will this automatically happen in my next payment or is it more complex than that.. I'm sorry if i made you impatient with me.. Thanks
    There’s a £1 per week deduction for every £250 or part thereof over £6,000. You will also need to report the changes to your local Authority for housing benefit and council tax reduction. 

    For council tax reduction some LAs have a maximum savings limit of £6,000 before entitlement ends. 

    If part of those savings include money from the cost of living payments these are disregarded indefinitely and are not counted in your savings. 

    Same applies to any backdated money from any benefits that you may have received with in the past 12 months, this is also disregarded. After those 12 months it will be counted in with your savings.

    Yes any overpayment will need to be repaid back. There may also be a small fine of about £50 on top for not reporting the changes. 

    Your fortnightly ESA payments are not counted as savings until the end of the period they are paid for. 
    But i haven't been overpaid, i've been payed what i'm due as i am on ESA because of my illness & i am warranted that as i filled in the forms & was granted it..just it's gone over £6000 as i've spent less as i'm living with family.. but nevertheless i'm due the payments.. It's madness.. they're basically blaming me for money they gave me that i haven't spent.. The guy i called at Scope said i wouldn't have to pay anything back just less money in payments so i dunno
    If you have more than £6,000 in savings and haven’t reported the changes then yes you will have been overpaid your benefits. The person you spoke to at scope was wrong to tell you that you won’t have to repay back any overpayments. 

    Why is it madness that savings over £6,000 affect means tested benefits? Yes, you’re claiming benefits because you’re entitled to them but with a small deduction for anything over £6,000 as I’ve advised you so many times. 

    Any money from all of your benefits that you don’t spend at the end of the period it’s paid for is classed as savings. It’s the law! 

    I don’t think there’s really any further advice I can give you here. 
    But the majority of it is what my mum gave me, not what i've been paid by dwp so maybe i withdraw that from account or tell DWP that it's mums money
    It doesn’t matter where it came from, it’s still counted as savings. You can’t just give it away and expect it not to be counted. Giving it away will be classed as deprivation of capital and your benefits will still be affected. 

    If it’s in a bank account with your name then it’s your money. 

    Information here about savings and means tested benefits. https://www.entitledto.co.uk/help/savings

    More information about deprivation of capital https://www.entitledto.co.uk/help/deprivation-of-savings-and-other-capital-universal-credit
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
  • Tumilty
    Tumilty Community member Posts: 65 Courageous
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    I have no idea. I get esa and pip, what mi mum gave me and get housing benefit so unsure what amount is what. 
    What did your mum give you? Do you have more than £6,000 in savings? 
    Hi

    It seems I'm in income based as I haven't paid enough NI contributions according to my last correspondence on paper with them. 
    I won an appeal at tribunal and was paid back a significant sum that I hear does count according to man I spoke to on phone to scope, also the money not used during lockdowns. Also since 2020 when I first got esa there have been many increases in how much I got from £260 initially to the amount now of £295
    Im unsure of what to do.. Housing benefit also.
    Advice appreciated

    Money owed from backdated benefits isn't counted as savings for 1 year from the date you receive it.

    ESA letters are well known for being very difficult to understand. Although the amount you're receiving does suggest that at least part of it is Income Related.

    In a previous comment you mentioned being worried about your flat because it's counted but you're claiming housing benefit. The flat itself isn't yours as it belongs to your landlord so this isn't counted as capital.

    If your total savings are less than £6,000 then you do not need to do anything. If they are more than £6,000 then you need to contact ESA and housing benefit because both of those will be reduced. If your savings are more than £16,000 then all your means tested benefits will end.

    I'm really not sure what else to advise you on, other than all changes must be reported.


    OK, I just thought reporting change was if I was getting better or gotten a job etc, not tell them about the money they've been paying me because I qualify for the benefit. If nowt been going out then money will build up. If my flat is not counted as capital I don't understand why it affects the housing benefit. I'd lose the flat if hb wasn't paid. 
    Also they've just increased my monthly payment too. 
     No, not when you’re claiming means tested benefits as I keep advising. If you have savings of more than the allowed amount then this is a change you must report. Not reporting it can be seen as fraud because you didn’t report the changes.

    When you have savings of more than the allowed amount then you’re expected to pay your bills such as your rent from your savings. You can’t be expected to continue with your means tested benefits if you have more than the allowed amount. 

    Are your savings less or more than £6,000? Not including the cost of living payments and the backdated money from any benefits within the last year. 
    i'm sorry i knew nothing about this, i know you mentioned before but when i panic my mind goes blank & autopilot sets in. so i will report it but it's not that much over £6000.. 

    So i will have £1 per £250 that exceeds the £6000 taken away from future ESA payments or do i have to pay back monies over £6000?
    If it's the former then it's about £7 per each fortnightly payment, It that correct?  

    When i contact DWP will this automatically happen in my next payment or is it more complex than that.. I'm sorry if i made you impatient with me.. Thanks
    There’s a £1 per week deduction for every £250 or part thereof over £6,000. You will also need to report the changes to your local Authority for housing benefit and council tax reduction. 

    For council tax reduction some LAs have a maximum savings limit of £6,000 before entitlement ends. 

    If part of those savings include money from the cost of living payments these are disregarded indefinitely and are not counted in your savings. 

    Same applies to any backdated money from any benefits that you may have received with in the past 12 months, this is also disregarded. After those 12 months it will be counted in with your savings.

    Yes any overpayment will need to be repaid back. There may also be a small fine of about £50 on top for not reporting the changes. 

    Your fortnightly ESA payments are not counted as savings until the end of the period they are paid for. 
    But i haven't been overpaid, i've been payed what i'm due as i am on ESA because of my illness & i am warranted that as i filled in the forms & was granted it..just it's gone over £6000 as i've spent less as i'm living with family.. but nevertheless i'm due the payments.. It's madness.. they're basically blaming me for money they gave me that i haven't spent.. The guy i called at Scope said i wouldn't have to pay anything back just less money in payments so i dunno
    If you have more than £6,000 in savings and haven’t reported the changes then yes you will have been overpaid your benefits. The person you spoke to at scope was wrong to tell you that you won’t have to repay back any overpayments. 

    Why is it madness that savings over £6,000 affect means tested benefits? Yes, you’re claiming benefits because you’re entitled to them but with a small deduction for anything over £6,000 as I’ve advised you so many times. 

    Any money from all of your benefits that you don’t spend at the end of the period it’s paid for is classed as savings. It’s the law! 

    I don’t think there’s really any further advice I can give you here. 
    But the majority of it is what my mum gave me, not what i've been paid by dwp so maybe i withdraw that from account or tell DWP that it's mums money
    It doesn’t matter where it came from, it’s still counted as savings. You can’t just give it away and expect it not to be counted. Giving it away will be classed as deprivation of capital and your benefits will still be affected. 

    If it’s in a bank account with your name then it’s your money. 

    Information here about savings and means tested benefits. https://www.entitledto.co.uk/help/savings

    More information about deprivation of capital https://www.entitledto.co.uk/help/deprivation-of-savings-and-other-capital-universal-credit
    so i've got to pay back thousands of pounds since my savings went above £6000 many years ago.. Ive called scope & twice they say this isn't the case so i dunno
  • poppy123456
    poppy123456 Community member Posts: 52,363 Disability Gamechanger
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    Tumilty said:
    I have no idea. I get esa and pip, what mi mum gave me and get housing benefit so unsure what amount is what. 
    What did your mum give you? Do you have more than £6,000 in savings? 
    Hi

    It seems I'm in income based as I haven't paid enough NI contributions according to my last correspondence on paper with them. 
    I won an appeal at tribunal and was paid back a significant sum that I hear does count according to man I spoke to on phone to scope, also the money not used during lockdowns. Also since 2020 when I first got esa there have been many increases in how much I got from £260 initially to the amount now of £295
    Im unsure of what to do.. Housing benefit also.
    Advice appreciated

    Money owed from backdated benefits isn't counted as savings for 1 year from the date you receive it.

    ESA letters are well known for being very difficult to understand. Although the amount you're receiving does suggest that at least part of it is Income Related.

    In a previous comment you mentioned being worried about your flat because it's counted but you're claiming housing benefit. The flat itself isn't yours as it belongs to your landlord so this isn't counted as capital.

    If your total savings are less than £6,000 then you do not need to do anything. If they are more than £6,000 then you need to contact ESA and housing benefit because both of those will be reduced. If your savings are more than £16,000 then all your means tested benefits will end.

    I'm really not sure what else to advise you on, other than all changes must be reported.


    OK, I just thought reporting change was if I was getting better or gotten a job etc, not tell them about the money they've been paying me because I qualify for the benefit. If nowt been going out then money will build up. If my flat is not counted as capital I don't understand why it affects the housing benefit. I'd lose the flat if hb wasn't paid. 
    Also they've just increased my monthly payment too. 
     No, not when you’re claiming means tested benefits as I keep advising. If you have savings of more than the allowed amount then this is a change you must report. Not reporting it can be seen as fraud because you didn’t report the changes.

    When you have savings of more than the allowed amount then you’re expected to pay your bills such as your rent from your savings. You can’t be expected to continue with your means tested benefits if you have more than the allowed amount. 

    Are your savings less or more than £6,000? Not including the cost of living payments and the backdated money from any benefits within the last year. 
    i'm sorry i knew nothing about this, i know you mentioned before but when i panic my mind goes blank & autopilot sets in. so i will report it but it's not that much over £6000.. 

    So i will have £1 per £250 that exceeds the £6000 taken away from future ESA payments or do i have to pay back monies over £6000?
    If it's the former then it's about £7 per each fortnightly payment, It that correct?  

    When i contact DWP will this automatically happen in my next payment or is it more complex than that.. I'm sorry if i made you impatient with me.. Thanks
    There’s a £1 per week deduction for every £250 or part thereof over £6,000. You will also need to report the changes to your local Authority for housing benefit and council tax reduction. 

    For council tax reduction some LAs have a maximum savings limit of £6,000 before entitlement ends. 

    If part of those savings include money from the cost of living payments these are disregarded indefinitely and are not counted in your savings. 

    Same applies to any backdated money from any benefits that you may have received with in the past 12 months, this is also disregarded. After those 12 months it will be counted in with your savings.

    Yes any overpayment will need to be repaid back. There may also be a small fine of about £50 on top for not reporting the changes. 

    Your fortnightly ESA payments are not counted as savings until the end of the period they are paid for. 
    But i haven't been overpaid, i've been payed what i'm due as i am on ESA because of my illness & i am warranted that as i filled in the forms & was granted it..just it's gone over £6000 as i've spent less as i'm living with family.. but nevertheless i'm due the payments.. It's madness.. they're basically blaming me for money they gave me that i haven't spent.. The guy i called at Scope said i wouldn't have to pay anything back just less money in payments so i dunno
    If you have more than £6,000 in savings and haven’t reported the changes then yes you will have been overpaid your benefits. The person you spoke to at scope was wrong to tell you that you won’t have to repay back any overpayments. 

    Why is it madness that savings over £6,000 affect means tested benefits? Yes, you’re claiming benefits because you’re entitled to them but with a small deduction for anything over £6,000 as I’ve advised you so many times. 

    Any money from all of your benefits that you don’t spend at the end of the period it’s paid for is classed as savings. It’s the law! 

    I don’t think there’s really any further advice I can give you here. 
    But the majority of it is what my mum gave me, not what i've been paid by dwp so maybe i withdraw that from account or tell DWP that it's mums money
    It doesn’t matter where it came from, it’s still counted as savings. You can’t just give it away and expect it not to be counted. Giving it away will be classed as deprivation of capital and your benefits will still be affected. 

    If it’s in a bank account with your name then it’s your money. 

    Information here about savings and means tested benefits. https://www.entitledto.co.uk/help/savings

    More information about deprivation of capital https://www.entitledto.co.uk/help/deprivation-of-savings-and-other-capital-universal-credit
    so i've got to pay back thousands of pounds since my savings went above £6000 many years ago.. Ive called scope & twice they say this isn't the case so i dunno
    You were advised incorrectly by scope. I’ve advised you several times over many different comments and spent a lot of my time freely today giving you the same advice. I’ve also put links to confirm my advice is correct. 

    As you have savings of more than £6,000 you need to report the changes. If you don’t report the changes then DWP will eventually find out and it could be worse. It’s always better to be honest and report the changes now. 

    I have no idea how much you will have to repay because I don’t know how much savings you have and when exactly they went above £6,000. 

    There’s no other advice I can give other than to constantly repeat what I’ve already advised. 

    I have a health condition myself and the time I spend here is freely given to the forum. 

    For this reason I will walk away now and won’t make any further comments, other than to say that you must report the changes. 
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
  • chiarieds
    chiarieds Community member Posts: 15,884 Disability Gamechanger
    edited November 2023
    Hi @Tumilty - poppy is absolutely correct. In addition to the info she's already given, you can see about this here on the government's website: https://www.gov.uk/employment-support-allowance/change-of-circumstances       this clearly says,
    ''Changes to assets

    Assets are things like:

    • savings or investments
    • property
    • one-off payments (for example, money from inheritance or a lump sum payment)

    You must report if you and anyone who lives with you starts or stops having £6,000 or more in total assets between you.

    If you already have over £6,000 in total assets between you, you must report any increase or decrease to the value of those assets.''

    You do need to report this, which you can do by ringing 0800 169 0310

    I'm very sorry that you received incorrect advice from the Scope helpline, but you must have been ringing them as you were troubled by something, or trying to find out about this. Poppy has explained fully, so I truly hope you follow her advice. Ring up & simply say you've just found out about this. You made an honest mistake, which needs to be put right.

  • poppy123456
    poppy123456 Community member Posts: 52,363 Disability Gamechanger
    chiarieds said:

    You must report if you and anyone who lives with you starts or stops having £6,000 or more in total assets between you.



    I read the link you posted so i know that this is from there but it's very misleading. Savings from "other" household members are not taking into consideration for means tested benefits. It's only the claimants, such as partners etc. 

    For example, myself and my daughter are living in the same household (as you know) but her savings do not affect my benefits and vice versa and they are not added together either.

    This isn't the first time i've seen a Gov.uk site giving shocking information. I've scrolled to the bottom and "reported a problem with the page" it would be very helpful if you could do the same please.
    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
  • chiarieds
    chiarieds Community member Posts: 15,884 Disability Gamechanger
    edited November 2023
    Will do. I thought the info there wasn't anywhere as complete as the info you give, tho it did stress that you should report a change of circumstances if the claimant had over £6000.
    Now reported on the Govt's website.
  • poppy123456
    poppy123456 Community member Posts: 52,363 Disability Gamechanger
    chiarieds said:
    Will do. I thought the info there wasn't anywhere as complete as the info you give, tho it did stress that you should report a change of circumstances if the claimant had over £6000.
    Now reported on the Govt's website.

    Thank you. Also thank you for those kind words!

    I would appreciate it if members wouldn't tag me please. I have all notifcations turned off and wouldn't want a member thinking i'm being rude by not replying.
    If i see a question that i know the answer to i will try my best to help.
  • Adrian_Scope
    Adrian_Scope Testing team Posts: 10,600 Scope online community team
    Good morning @Tumilty. I'm sorry that there is some confusion with the advice you've been given. I've split off your comments into a new discussion so they don't get lost and I'm going to talk to our helpline and benefit adviser and ask them for input.
    Community Manager
    Scope
  • Adrian_Scope
    Adrian_Scope Testing team Posts: 10,600 Scope online community team
    Hello again @TumiltyYou may have to pay something back if you have have over £6000 without telling the DWP. But without knowing more information about the savings you have, the money your mum gave you, and the backpay you received it would be difficult for us to advise any further than poppy123456 has already.

    Because of the query about inaccurate advice, Scope's Benefit Information Specialist has offered to call you and go through this with you if you'd like? Please do not share your mobile number here but I will send you a PM and an email with further information if you are interested. 
    Community Manager
    Scope

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