Uc review experience to contribute

benedict

Hello, I hope this may be of help to anyone who may be anxious about what to expect from UC review.

Before I posted I read a few threads and there is sound advice already posted but it takes some digging through repeated assumptions and misleading advice to find it.

Following the standard request for 4 months account statements, ID etc, I uploaded current acc’ and business acc’ statements, I started a new credit card which was only open for last month of review period and sent screen shots as first statement not available, all accepted on journal to do list. Few days passed and follow up call booked In for up to 30 mins to discuss claim, documents uploaded and to submit further evidence. Had follow up call and very normal conversation with a professional and pleasant person who ran me through security, asked me to confirm what accounts I had. Ran through all financial products available on market from ISA to crypto accounts, yes or no answer.
Asked about a payment to HMRC from my current account which for under £200. I explained it was a fine for late tax return for those years and offered the statement to show that it wasn’t for income tax and was informed that wasn’t necessary. I have regular faster payment out my current account to credit card each month for all spending, only CT out my current account. Was informed that CC statements were not required. Finally asked about sending my sibling money for over £500 and explained a loan repay. All was absolutely fine, I have no savings anywhere and my statements reflect this.
Call ended after 10 mins no to do and message to say all remains the same. Was informed that will probably happen every 6 months.

I think the there is a lot of hype about the privacy invasion, all they want to see is that their funds are being appropriately used, the your council tax and rent are paid and you are not withdrawing erratic and large sums of cash each month to squirrel. It would indicate you aren’t spending there money or need it, rather remove it to keep under savings threshold.
If got those kind of savings you can’t hide it anyway as the interest is the factor the AI data matching works on.

Hope this helps!

Rosie_Scope

Hi @benedict, welcome to the community and I'm sorry you haven't received a reply to this yet! This is really helpful, thanks for sharing your experience ☺️

It's good to know that it all went smoothly for you, I know many people will be looking for reassurance.