UC - going over capital allowance

Frankie100

Hi. When your total money across all accounts goes over 6k and you declare it, does it trigger a full finances check? (Possibly even a full review)

When I was migrated over to UC from ESA, the lady on the phone who did the UC application completion, told me this happens and I'll have to provide bank statements.
She actually said "Just pay off some debts to avoid this happening"

I have some savings and in a couple of months time I will go over the 6k capital allowance, because it will be a PIP double payment month.

Will I really have to go through a bank statement palaver?
(I don't have any debts to pay off, apart from a mortgage, and making sudden extra payments there is seen as 'depreciation of capital' so that can't be done to avoid bank statement hassle)

I'm not going to not declare, but would like a heads up on what is about to happen.

Thanks

Holly_Scope

Hi @Frankie100. It won't necessarily trigger a review. It might just be that they calculate the deductions required.

OverlyAnxious

Sadly it seems to be a new thing where they do ask for bank statements whenever a claim goes over £6k now.

I would be expecting that to happen - but be pleasantly surprised if it doesn't.

Technically the second payment of PIP income shouldn't be included as savings when you have 2 within one UC Assessment Period. If you know you will be below £6k total again by the end of the next period, then I would be inclined just to leave it. Obviously if you will still be over £6k by the next month then you might as well declare it.