Advice please

Danny123

I plucked up the courage to change my bank details the other day .

My ESA has always gone into a joint account with mum and I wanted to change it to the same account my UC goes into

My ESA has been going into the joint account since 2008

My UC has been going into my other account since mid 2022 when I moved over voullentatrlly , the actual account has been open since 2021

I've been very worried about about two undeclared accounts I've had over the years , I never told DWP about them and they have never paid into them so my thinking is they've never been in the dwp's systems .... One always overdrawn with 2800 the most that's ever been in there at one time literally hours ( gambling ins and outs ) and loans from friends and family a real tangle of transactions I would find hard to untangle..... This was opened 2010 , closed 2018

The other was one I had for 8 months opened Oct 2019 , closed June 2020 again no more than a few hundred at any one time

If these accounts were to flag up it would be alot of explaining and would also show you PayPal's that have been closed for over 3 years , same story amounts going in and out through gambling and loans , most ever that I had in one was about 2500 , but went as quick as I win it through gambling and also never took my combined capital over 6000 at any one time .....

Anyway Ilike I say I changed my bank accounts over and it all went smooth and my ESA is getting paid into the bank account I wanted it too

I got a sort of confirmation letter from DWP confirming this although I'm a bit worried about something on the letter , it references the account it's now getting paid into as " current account 2018 " .... Coincidentally the same year I closed one of the undeclared accounts ..

Does this mean they've had my undeclared closed accounts all along on Thier system.... Or has changing accounts linked or flagged something ?

This is what it says in my letter

Is this current account 2018 referencing my undeclared closed account that I closed in 2018 .... Or is this just a referencing label that UC use for current accounts in general ..... Very worried

OverlyAnxious

Hi,

That does look a bit strange but I think this is probably the way Nationwide have labelled it. As a current account that they only started offering from 2018.

It won't be anything to do with closed accounts.

Danny123

https://forum.scope.org.uk/discussion/comment/1029140#Comment_1029140

@OverlyAnxious hello , how you keeping ? Yeah I think I'm leaning towards that , just strange because I closed a flex account in 2018 , also if it was a account offered in 2018 I didn't open it till 2021 , although I think it's quite plausible that a account brought out in 2018 could still be the standard one offered in 2021 , hope your alright in these miserable times 👍

mix_dage

Hi @Danny123

its usually the last 4 digits of your account number.

Danny123

https://forum.scope.org.uk/discussion/comment/1029240#Comment_1029240

They don't put account details on the letter for security