Hi, my name is Lana007! DWP asking for bank statements. Will they ask for my credit card too?
Lana007
Online Community Member Posts: 23 Connected
Hi everyone I am new the group. I am hoping someone maybe able to help or point me in the right direction. I had a message on my UC journal along the lines of your UC is being reviewed to check you receive the correct amount. I then had a soft call and was told I would need provide id and 4 months bank statements uploaded to my journal and they have to be pdf format. I was told after this had been done I would receive an appointment for a call which could last up to 90 minutes and I would be asked some very personal questions! Which is all fine I have sent off everything. I have since been told by someone who has had this review that it's a horrendous experience they go through every transaction, they want proof of where the money was spent and asked for credit card statements. I am housebound and I transfer money to my daughter for my food shopping, anything I want online etc can they ask to see my daughter's bank statements? Can they ask to see my credit card statements? I have nothing to hide I just wasn't prepared for how intrusive it would all be. my call is next week and I'm worried sick as I can't recall every thing I send my daughter money, I suffer with brain fog anxiety amongst other things and this has caused me to have a melt down.
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Comments
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Hello again @Lana007 and a proper welcome to the community!
I understand your worry here, but it's fairly normal for them to ask these questions, so please try not to panic too much.
I'm just going to pop your post in the Universal credit category so more people in the know will be able to find it. Hope that's ok?1 -
@Albus_Scope
Thank you I really appreciate that.
I didn't realise they could ask where I spend my money and for copies of my daughter's bank statement.0 -
As far as I'm aware, they can't ask for your daughters statements unless she's being interviewed for her own universal credit.0
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When I had my review I was not asked for credit card statements and told they don't ask for those.
I wasn't asked about every transaction, but a fair few payments out for things which turned out to be CC payments, broadband, one PayPal transaction (the only one over the 4 months) and my window cleaner.
Some will say that the DWP aren't interested in where you spend your money, but with these UC compliance checks they certainly are interested in where money is being spent.
I've gone through my experience in several posts if anyone wants to view my posting history and read what I've already written.2 -
I've had a review like this, several years ago now. I wasn't asked any really personal questions and all they really seemed to look at were the total outgoings vs money going into my account.0
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My understanding is that they are looking to calculate the amount of capital/savings you have. As a credit card is by definition a credit facility and not capital, I can't see that they would have any basis to ask for this. However, if you are paying huge amounts off your credit card every month, they might want to confirm that this is not a Deprivation of Capital.1
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I am only recounting my own experience after going through one of these checks.
I was questioned about various payments out and I had to say what they were for.
I can't answer as to why they asked me what they did, you would need to ask the DWP that.0 -
Thank you everyone for your comments. I do understand why they need to go through it all, I'm just concerned at having to justify why I send my daughter money and why she sends me money. There are alot of incoming and outgoings between our two accounts mainly for shopping, online purchases and then she sends me change back. It's just worrying as I didn't know if they would want me to provide proof of my daughter doing my shopping as I'm receipts etc. I guess I will find out on the call0
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@TheManFromLondon
Yes I did consider they may think I'm sending her money to squirrel away. It's not vast amounts and she always send me the change back which can been seen on the statements. It's seem everyone's experience is vastly different, which is confusing as I thought they would have to follow some sort it guidelines on what they ask etc but it doesn't seem to be the case.0 -
https://forum.scope.org.uk/profile/comments/Kimmy87Lana007 said:@Kimmy87
Thank you for your response.
Could you point me in the direction of where I could read more about your experience please
https://forum.scope.org.uk/discussion/106854/uc-claim-review-help/p2TheManFromLondon said:
An example of the kind of transaction would help. I still stand they cant ask that if they don't have a valid reason.Kimmy87 said:
I was questioned about various payments out and I had to say what they were for.
I bet they didnt ask for a transaction labeled TESCO
Maybe they asked about money sent to other accounts
Any example would help, as it is, it doesnt make sense at all.
I also read you posts as you advised, not much is said there either.
Also I updated my previous post, its not you confusing, the original OP details are.
https://forum.scope.org.uk/discussion/comment/737177#Comment_737177
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@TheManFromLondon
Hiya my daughter doesn't claim she works. I have been made aware that they can ask about the incoming and outgoing amounts and I have alot of back and forth activity on my statement between me and my daughter and they can't ask for my daughter's bank statements, or my credit card statements. The only proof I have that she does my shopping and purchases things from Amazon/shein/eBay for me is her accounts but again I have been told because of gdpr they can't ask for this at its in her name. They are looking for capital over 6k with these reviews/compliance checks. I will see how the call goes and take it from there.0 -
@TheManFromLondon
I will definitely post as soon as I have had my call and let everyone know. It sounds like this person was trying to scare me which a bit mean but who knows. There seems to be alot of different experiences with this, some say it's ok some say it's awful. I would have there would a process which all the case reviewing personnel would have to follow. But it's the DWP they seem to do as they wish0 -
@TheManFromLondon
I had my UC review claim and can confirm the following;
I was asked name and address and my living situation as I'm who lives with me.
Then I was asked about any other health conditions I may not have reported and to update my journal when I get the results/diagnosis from my last appointment.
If I was doing any courses on line.
Any other benefits I may receive.
Any other sources of income as in spousal/insurance/pension/
Annuity/trust fund and PayPal.
How many bank accounts I have
Do I have the following accounts
Savings/post office/credit union/national savings/bonds/ISA/peps/sale. of house/trust/Monzo or crypto
Then went through a few transactions on my bank statements as in- who are "name" explained it's my mortgage and then I was asked about service charges who I pay them to and how much.
Then I was asked about a £200 payment in which I explained was a birthday present and also a £250 transaction out to my daughter and back in which again I explained was for some concert tickets she wanted but couldn't get.
And a couple of £50 transactions to my daughter which I explained were for food shopping.
It was half an hour and I was told no further evidence was needed, all was well and my journal would be updated and another would take place in a year or so.
It was not an interrogation in anyway and I was put at ease.
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@TheManFromLondon
Thank you.
I am hoping it will take the worry out or not cause as much worry for those that have this coming up.1 -
Thanks for sharing your experience @Lana007, I'm sure many people will find it comforting to read that it wasn't too bad 1
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Hello Everyone please help me about my claim.I just uploaded my Statements of last 4 months.I am wondering what they are looking for?i used my balance transfer credit card which is 11k Its showing on the statement.And borrowed some money from friends and family.What i dont understand is will this efect my uc? We had some huge Out goings last 2 months Chritsmas Shopping kids broke it Tv we buy new tv i applied british citizen cost me 3k.exc..Everything showing on the statment where i spend.Please can some one help me what do i need do.?will this 11k be prblem? Please help0
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No i never had a money more than 6k any time because i am spending its showing on the statements.But this 11k is not savings or anything i am have mental health problems.I was need a money for my British application for chritsmas shoping for my kids Tv kids tablet what can i do ? This is the loan i will pay them back :-(
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