ESA and Savings Advice
My 17 year old son Daniel has Autism and
attends a Special Needs College. He receives higher rate DLA and has an EHCP.
He has around £15,000 in a Child ISA to which he (nor anyone else) has access until he is 18 - in May 2018.
Until recently there was also £15,500 in a Halifax Young Saver Account. I, as the adult customer was the only one who could operate the account; Daniel had no access to it and was unaware of it. I closed the account on 14th July 2017.
I applied over the phone for ESA on Daniel’s behalf on the 21st of July. I was asked about any savings so I mentioned the Child ISA, pointing out that the funds within were inaccessible. I was not asked about any previous accounts held.
Since then I have received an ESA Customer Statement form and asked to answer the question 'Have savings and investments been greater than £5500 in the six months before the date of the claim?’ Does the money that was in the Halifax Young Saver Account apply to this question (as I not my son was the one who could operate it)?
In the meantime, despite not having returned the information requested above, I have also received a decision for the claim as follows:
A total income-related amount of £73.80, but a £36.00 reduction because of the £15000 held within the Child ISA, giving a net income related entitlement of £37.80.
I have been advised previously on here that the Child ISA should not be taken into account https://community.scope.org.uk/discussion/34690/child-isa-and-esa. How can I put this point to the those handling the claim?
Any advice would me most welcome.
Many thanks for your time