UC managed migration guide
Comments
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Yes I know that for UC in the future but for ESA now and in the past my advisor says that's now not an issue as ESA is ending so not to worry and not to call dwp. I had no idea.
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Didnt have to pay a penny. Also got the full EDP backdated payment.
If you got backdated PIP large sum after an appeal, you would be exempted to go over up to the size of the payment for 12 months, so if it calmed down before then you will be ok.0 -
@worried33 ok thanks so my advisor is correct that I won't have to pay anything back, especially as now that ESA is ending. So what is point of prospective sending bank statements.
The pip back payment was a few years ago and was quite a lot, I've a lot less now as I had to invest in a few things for my disabled mum..
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thanks Catherine i hope so, there's always money coming out all the time so goes up & down.. I can't work out the assessment period but the advisor will help.. Yes about monies yer get different advice by different people but yes your right it's just my mind & anxiety i've been always like it worry about everything
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It's not quite that simple unfortunately. Some people do have to pay money back after the claim ends.
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Does that mean paying money from the past and also having money taking money off UC too as i know the sanctions for UC but never knew ESA was the same.
My northern counties advisor said as now it's ending I won't have to.
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It doesn't mean sanctions from UC. The two benefits are completely separate.
If you were overpaid ESA in the past then ESA can still send you a bill to pay that back. They don't always, but they can. They will ask for bank statements first though. And it can take many months to calculate after they receive the statements, so really not something to worry about right now.
The savings deductions are about the same on ESA as they are on UC, so that is why you could have been overpaid on ESA. If you expect to lose around £17 a month on UC, then that would have been about the same monthly deduction on ESA.
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I had no idea about it all..
My advisor said that now as ESA is ending I don't have to worry about the past and that once I migrate over it's a fresh start. . That once I fill in the online form they just take it as how much you have in and just get sanctioned for UC.
I dunno it's all a bit much, sending in statements for years seems overwhelming 😔
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It's only a deduction for having savings, not a sanction. Sanctions are when you have money stopped because you've done something wrong. But deductions happen for normal reasons like savings or income.
I can't comment on what your adviser said. All I can advise is that ESA picked up on my own savings being different when I migrated and asked for several years of bank statements to be sent in. I have since seen it happen to other people as well.
If you only have one bank account then getting the statements isn't so difficult. Ask the bank to print them between the dates that ESA ask for. (For example, January 2022 up to August 2025). Then you post them to the ESA address. It's only if you've got a lot of accounts or have opened and closed different accounts that it gets more difficult.
I really don't want you to worry about it now though. Just to be prepared in case ESA do send you a letter in a few weeks time.
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ESA might look at your declared capital on the UC application, then ask you for bank statements to see if you were overpaid ESA.
They would then ask for repayment and maybe a small fine.
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Thanks, and @Kimi87 I'm very worried about it, around 3-4 years ago I had a lot more in than I do now because I was i was house bound a long time & an appeal I won.
As Kimi said it's all about 'might' but I'll try prepare.
Even though I'm deducted because over 6k applying for UC, will payback for ESA be via less future UC as ESA is stopping or or a lump sum which is why worrying. Feels like opening can of worms .. thanks
p.s / will it affect Housing benefit if I get deduction .
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No, payback for ESA will not come out of UC. They are completely different benefits. You would have to make a bank transfer to pay back the ESA if that happens.
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Thats worrying for me as need for my mum's disability.
I appreciate all your help and Kimi. I'm just hoping what the Northern counties advisor says is correct, I asked her twice. They should be in the know of it's their job. 🙏
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Would housing benefit be affected too if I have too much savings applying for UC?
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If eligible for UC then your hb converts into Housing Element paid as part of UC.
Once you apply for UC then Housing Benefit ends, new claims for hb are only possible for those of pension age or living in supported accommodation.
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Well I guess it's ok. My housing association benefits advisor is helping me fill in form, I been at flat a while
I just wondered if deductions as over 6k would affect HB
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This is even more complicated than ESA unfortunately…
All councils have their own savings limits. Some have a hard cut off. And some have a tapered deduction before a hard cut off. In my area, it was a hard cut off at £10,000. But no deduction between £6,000 & £10,000. I have seen other councils use £6,000, £10,000 and £16,000. So you would have to check with your council to see what their savings limits are for Housing Benefit. If you get Council Tax Reduction, then you will keep getting that from the council after migrating to UC, so should check what the council limits are as they might be £6000 in your area.
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So I may have to pay housing benefit back too 😭 this is too much
I been there 15 years and my rent now is £115 a week
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It's unlikely that Housing Benefit would get notified of savings so I'd just leave that in the past. The main concern now is whether you're still allowed Council Tax Reduction in future with more than £6000 in savings. That is the one that needs to be checked really. Perhaps your adviser can help with that next time you contact them.
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It just seems all too much. I hear of small fine for some like £50 then a pound a week out of future benefits was told a lump sum bank transfer as can't pay ESA with universal credit, not sure why.
My mum's gone to hospital so I'm worried about that and all this it's taking its toll on my mental health,just having a cry 😭
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