bank accounts

ketokid
ketokid Online Community Member Posts: 120 Contributor
in Employment and Support Allowance (ESA)

Hi I have to move over to UC by the end of November. I'm on old style ESA and in the support group. I have heard that the DWP want to look an bank accounts is this the case please ?

Comments

  • Kimi87
    Kimi87 Online Community Member Posts: 7,444 Championing

    Yes under Universal Credit, lots of people have had a financial check.

    This usually involves sending them ID, 4 months of bank statements and a telephone interview.

    See this thread for information.

    https://forum.scope.org.uk/discussion/125931/universal-credit-bank-reviews-frequently-asked-questions
  • Catherine21
    Catherine21 Posts: 8,083 Championing

    I took all bank statements for four months and loads of esa pip council tax letter when he asked what ID I had I stated bank statements four months worth he said didn't need them took passport bank card council tax I said I thought you needed bank statements he said not if your migrating they ask for statements when your making new claim y

  • OverlyAnxious
    OverlyAnxious Online Community Member Posts: 5,181 Championing

    If this is a migration and you have less than £6000 in savings, UC generally won't ask to look at bank statements.

    You could get the 4 month statement review at any time after completing the migration as those are randomly generated. Some people get them soon after migrating, others go for years without a review, no way of knowing which yours will be.

  • ketokid
    ketokid Online Community Member Posts: 120 Contributor

    Hi we are in the middle of applying online I do have two accounts one which my money goes in and another one which I transferred money into when i got money backdated when I won my tribunal with pip the amount is just under 14 thousand but that money is for renovations I need . will this affect anything please

  • Albus_Scope
    Albus_Scope Posts: 11,423 Scope Online Community Coordinator

    Any money gained from backpay is usually disregarded for a full year @ketokid, after that it will count as savings, so will reduce the amount of UC by a small amount for everything over £6000.

  • Kimi87
    Kimi87 Online Community Member Posts: 7,444 Championing
    edited October 3

    Benefit backpay is disregarded from counting as capital under UC for 12 months, after you've received it.

    If it's under 12 months old, you need to declare your total bank balance on the application, you should then be asked about disregarded money including benefits back pay. You would then enter the amount you received.

    If it's over 12 months old then it counts as capital and has to be declared.

    For every £250 or part thereof over £6k, a deduction of £4.35 will be made from your award.

    You would probably need to attend the Job Centre in person with paper bank statements.

    If you have over £16k, then there would be no eligibility to UC.

  • ketokid
    ketokid Online Community Member Posts: 120 Contributor

    thanks for the info I got the back pay round about April and a few months after that I got some backpay because I was also on SDP so its under 12 months , the other thing im worried about is having to attend a job center have mental health and anxiety problems aswell as all my other conditions.

  • Catherine21
    Catherine21 Posts: 8,083 Championing
    https://forum.scope.org.uk/discussion/comment/1072379#Comment_1072379

    I went to jobcentre centre for ID check they was very nice was going to ask for phone appointment but just wanted it over literally was in there 10 mins

  • OverlyAnxious
    OverlyAnxious Online Community Member Posts: 5,181 Championing
    https://forum.scope.org.uk/discussion/comment/1072379#Comment_1072379

    You should make a note of the exact dates that you got each of those two backpays. The 12 months disregard applies to each one separately. So the first backpay disregard will end in April. The SDP disregard will end exactly 12 months after you got that one.

    (Unless either of those backpays was for more than £5000. In that case it would disregarded indefinitely).

  • ketokid
    ketokid Online Community Member Posts: 120 Contributor

    ok thanks for the info guys

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