Cash withdrawals

You're looking for reassurance that no-one can give you.

Some people will be asked to justify cash withdrawals at a review. Others won't. There is no way of knowing whether you will be or not.

You are allowed to take out your money however you wish.

You just might be asked questions during a financial review.

They may ask what a cash withdrawal was for etc.

Is it not worth reminding?-About credit cards and withdrawing from those specifically that it is then charged with an applied percentage fortune basically. I have experienced this yet but will find out soon been reading plenty of warnings online

The reviews are partly looking for hidden savings. That could be cash under your mattress or given away to relatives, for example.

It is fraudulent to hide savings, particularly above £6k total, because then you would get paid more UC than you are entitled to. We all agree to inform UC of changes in savings when we sign up to it. It's just part of the basic contract for being paid money to live on.

While it is intrusive to be asked about individual payments, it is reasonable for the DWP to understand where their money is going, in the same way as any boss would review their outgoings periodically.

Why should the DWP believe your word? Or mine? Or anyone else's?

That is why I use my card or bank transfer as much as possible. There's nothing for them to question where the evidence is clear to see on bank statements. Obviously that's not possible for everything, but does cut down the number of transactions they could ask about.

My health has been considerably worsened by the benefits services, health services, housing services, lettings agents, tradespeople, delivery companies etc. That is the world we live in unfortunately. If everyone was fair and honest and trustworthy they wouldn't need to put all this security in place. But they aren't and that isn't going to change so we just have to try and muddle through the best we can.

The way I see it. If you have a lifelong disability or health condition to stops you from working. You should be left alone on it. No reveiws, nothing until another reassessment.

My disability is in the most severe category DWP class and it says on there those with the severe category get left alone.

I was on ESA IR for a very long time and never had a bank/financial review. It’s actually only this year I found out these happen. I done a bit research into why I never got a review before and it made sense.

Hi @kingston, I wouldn't personally (there won't be a cash limit as such, the only caveat I'd say is if there were consistently large withdrawals/purposely keeping just under the maximum savings allowed, for instance). the most sensible advice i could say is to keep a record of what you spend, including of cash transactions.

I was asked nonsense about a 30.00 cash withdrawal from March/couldn't remember what it was for but I don't suffer fools gladly so my response of various retorts including once it is paid to me it is my money, and do not ask me again (the latter about bank statements requested 6 times and sent/acknowledged 6 times.

They gave up with me, quite possibly lost the will to live before I did, including accepting an out of date passport 🙄. I've got neither the time nor the patience for such nonsense. To reduce your worrying just keep good records, I do ordinarily! In future I shan't be spending a moment further worrying!