Income versus capital Universal credits question?

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blacklight

So today I went to my local jobcentre to ask if theres anything they can do to help with the delay on a DM assessing our capital as its holding up our UC Payment.

Can I ask if I am doing this correctly? As the guy I spoke to didn't agree.

So we added up all our monies on the last day of the AP on the capital declaration without making any deductions as we were told not to in journal.

So I showed him a spreadshee which showed all our monies on July 28th 2025 (last day of AP) June 29th - July 28th 2025 AP.

Which without deductions was 14k.

With deductions (ie if you subtracted all income ie wage and benefits received within June 29th - July 28th 2025.) It comes to 10k.

He said the figure that should be used is 14k as your capital. I said yes but why are you not disregarding the 4k of income we received in that AP. He said "because everything was the same the AP before that one and before the one before that roughly, so therefore your capital is now 14k"

I said "yes but that income (wage/benefits) of around 4k should be disregarded each month as we spend our entire 4k of income that we receive each month.

I explained that as we spend that 4k of income each month then our capital should be considered as 10k" he again said "no that's not ie it works, it's now considered as capital as you always are around 14k each month in total at the end of each AP".

I said yes but if we had a month with no income we would spend 4k to live on (mortgage etc etc) and our capital would go from 10k to 6k.

He still didnt agree.

Who's correct here?

blacklight

Do you think though I am understanding it correctly?

In each AP we get 4k income, we spend 4k in each AP, so 4k should not be considered as capital in each AP until the end of the next AP after the one in which it was received?

So I belive our true capital is 10k. Over the course of the AP our bank account fluctuates between 10k - 14k. Sometimes reaches 14k as sometimes our income all comes in around the same time. Like the day before the last day of our AP. But the guy today said "the last day of your AP you had 14k in your account so that's your total capital"

But I said "no my wife just got paid and most of our benefits just got paid the day before the last day of the AP and thats not considered capital until the last day of the next AP as this is what we will live on for next month."

He wasn't having it and was adamant our capital was 14k!!!