Just had my review for uc bit confused
Comments
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This is on my journal x
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Sophie if that's all she has asked you to do then you have nothing to worry about . She wasn't I ussume interested in 2 or maybe 3 years ago .please stop stressing over that. Just do as you were asked and that's it , nothing more.x
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do you update every month because the savings figure changes every month ? I’m going to have to start doing this cause I’ll have left over money every month and I’m over 6k but last time I did it I was summoned to go into a JCP with statements.
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I didnt know u had to declare unspent benefits money ibwas never told and didnt understand all this capital i was 19 i only thought it I had savings of 6k in my savings account I had to declare it not money in my bank om so worried now ive had my review but she asked me to add my savings for April my statements were jan to April she would of seen everything i sent her she put message on my journal to put my savings in and what was left in my bank im going to do this 2moro as im too drained haven't slept in days every one is saying it will be ok but ive added my unspent money from 21 to now and I got it to 6k unspent over 3 and a bit years some months never spent hardly anything ive have mental health issues so not knowing about all this imbso scared they will want years more statements even though the lady put my claim review was complete if I had that and also a savings account with 3k in maybe went to 4k
point in
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I know im gonna end in trouble it's just made a mistake a big one never understand uc still dont have a clue what im doing ive just added unspent money from day I claimed back in 2020 to now ive took of back pay for 12 months but sometimes my money just built up my bank statements show ive never had 6k but adding all unspent money it defo does im going to owe thousands i just know it just because it says its complete it isn't always the case I'm really frightened now ive got to out my savings in very soon with days but I know it will get triggered i know im in big trouble ive heard similar story's on other platforms and they have basically told me the same 😭😭😭
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Sophie. Everybodies circumstances are going to be a lot different than your own. We have all tried so very hard to support and reassure you with this matter we understand you have mental health difficulties but you cannot live by what iffs . You will make yourself somewhat ill than you already are. Just do as she has asked you to do . And that's all you need to do.
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I know im so sorry I am just si scared now i just didnt know about any of this unspent benefits if it wasn't for that i wouldn't be as scared as I am again im sorry I know everybody is trying to help I really am grateful again im so sorry please forgive me its just hard I will just put my savings account on my journal with amount and see what happens again im sorry xxx
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Sweetie it's fine. Just only do as UC have asked of you . You have explained to UC that you didn't understand it all and I'm sure that would have taken that into consideration. Please don't worry about it now x
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Thankyou so much , I will try go to bed now and get some sleep will do the savings 2moro like the review lady asked i just hope I still get paid on the 7th and it doesn't mess every thing up 🙏😭xx
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Your payments should be fine don't worry x
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Ive put everything in what the review lady asked so its just a waiting game now to see what happens even though she said review is complete and no change obviously this is going to get checked over about savings etc so im guessing i just need to check my journal daily to see what happens i hope they dont stop my money but im guessing it depends on what they say about not declaring savings account and the. I need to explain about not understanding this unspent I think the worst case they will 100% stop my benefits or suspended them if they investigate which i got told on a reddit site by people its apparently happened to im just scared if they come back with i owe 8k as my working out back to 2022 is really adding up on unspent then add my savings account money im not good at maths but adding it all up wow j must if been loaded but that's 100% not the case at all ive got under 3k in my savings account and on friday i had 55 pounds in my normal account I just never knew about any of this they might save im not that dumb but mental health is what takes over everything im trying to get my bank statements as my online bank will only let me do it from 2024 so ive doesn't off for paper ones not sure how long ir will take again I didnt understand how this all worked I was 19 at the time so it was basically money in my account I didnt spend loads as I had no bills as such so obviously its built up I hate this so much the not knowing what will happen now xxxx
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Yes.
Tbh it doesn't always go through another £250 barrier, so isn't essential to declare it every month. But by the time I've logged in to each of my banking apps to get the balance on that day, I feel I might as well just put it into UC anyway.
So far nothing has happened except a change made to the deduction on the statements each time. Obviously if it hasn't gone through another £250 barrier then the deduction stays the same as the previous month.
I am expecting some very big bills next month (4 figure sum) and I strongly suspect that will trigger a review or a request for bank statements from UC. But I will just have to wait and see what happens.
(Sophie - this reply is specifically for letitbe. You do not need to put your own savings in every month as they are below £6000.)
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do you update savings even if I’d doesn’t go through to the next £250 barrier ?
If they want my to go into the JCP every month with statements when my capital increases I just won’t be able to handle it. I really thought you just had to update your savings in UC and they’d make all necessary adjustments, I really didn’t think that when we updated we have to go into JC with statements.
Will you be able to go into the JC with statements if they ask you ?0 -
Yes, I update mine every month even if it hasn't gone through another £250. But there is no need for anyone else to do that. By the time I've opened all of the accounts, it's no quicker to write it on paper and add it all up myself than to put it into UC and let the journal do the calculation. Also means I can't get make an error in the calculation, and they can never say I didn't declare savings for any month.
UC have never asked for bank statements. All that happens is the deduction on the UC statement changes. I'm almost certain that no-one at UC even looks at mine. The first time I put savings in I asked them to disregard the COL's, but there was no reply and no COL disregard. The next time I removed the COL's before entering the amount, and told them I'd done that in the journal, and also didn't receive a response to that one either.
There is absolutely no way that I could get to a Job Centre now. (Or at any time in the past 5 years). If they want statements, I'm happy to upload them to the journal. If they demand to see them in person then we will be at an impasse…
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ok thanks . Hopefully it’ll all be ok . I don’t think I’d be able to go in every month and would probably just rather close my UC account. Can you just close your account if you get UC LCWRA ?
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Yes, anyone can choose to close their UC account at any time.
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