UK spying bank accounts: Eligibility Verification Measure

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  • [Deleted User]
    [Deleted User] Posts: 1,170 Championing
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  • alexroda
    alexroda Online Community Member Posts: 377 Trailblazing
    edited October 2025

    not quite, it specifically says:

    • limited to certain benefits – An Eligibility Verification Notice can only request information about accounts in receipt of the specified benefits set out in legislation. These are Universal Credit, Pension Credit and Employment and Support Allowance. If the Secretary of State wishes to expand the range of benefits covered, it will require a debate and approval by Parliament. This is except for the State Pension which is excluded from being added by the legislation.

    No, the fact sheet never mentions the words: “means tested”

    It’s not clear, as you can see they can investigate bank accounts in receipt of other benefits just by approval by parliament with no need for legislation.
    this is just another step for mass surveillance set out by the government following the online safety act, the freedom of speech restrictions and by digital ID.
    Checking bank accounts law should be abolished, unless we want to be ruled by an authoritarian regime which is where we are heading.

    Mass surveillance set in the name of security when you have the grooming gangs scandal, which happened not because we haven’t got enough surveillance, but because public institutions failed the victims.

    We don’t need more surveillance or authoritarian laws, we need a decent political class and a decent civil service. That’s were the surveillance should start with if anywhere.

  • alexroda
    alexroda Online Community Member Posts: 377 Trailblazing

    if we were to live in a country with proper ethical and transparency practices, the benefit claimant would receive a text message stating that an Eligibility Verification Notice has been sent to their bank provider. Following that, they would also receive correspondence of what was actually shared by the bank.

  • alexroda
    alexroda Online Community Member Posts: 377 Trailblazing

    thank you

    Will have a read through in the coming days.

    However, as per quick glance, no mention of the wording “means tested benefits” in there, nor of IRESA but Employment support allowance as a general term. So, legally they could send this eligibility verification to anyone on CBESA.


    no exact wording on what exactly these Eligibility verification requests will be requesting either. What parameters etc

    And it also leaves the door open for other benefits to be added in a very simple way.

    I don’t think is as straightforward as you think it is.

  • FAFB
    FAFB Online Community Member Posts: 22 Listener

    Hi, thanks for the information. Just out of interest how far back will these checks go? Thanks

  • [Deleted User]
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  • FAFB
    FAFB Online Community Member Posts: 22 Listener

    Thanks, i read somewhere that banks keep information for 7 years. Is that correct?

  • alexroda
    alexroda Online Community Member Posts: 377 Trailblazing
    edited October 2025

    as per what I’ve read, there is nowhere written in the proposed bill “backdating” bank checks

    Only applies to current claimants, I think.

    That’s what I understand by reading point 76 of the doc shared by @MW123

  • alexroda
    alexroda Online Community Member Posts: 377 Trailblazing

    those are pretty much my thoughts.

    I’m surprised the little backlash this bill has had.

  • [Deleted User]
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  • Kimi87
    Kimi87 Online Community Member Posts: 8,704 Championing

    I have over £6k on paper, but due to Cost of Living payments disregarded my money is under £6k.

    This was confirmed to me by UC during a financial review in late 2023.

    So what happens when this bill goes through and my account gets flagged?

  • [Deleted User]
    [Deleted User] Posts: 1,170 Championing
    edited October 2025
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  • alexroda
    alexroda Online Community Member Posts: 377 Trailblazing
  • alexroda
    alexroda Online Community Member Posts: 377 Trailblazing

    it probably will, however it’s unclear cause they arent stating what exactly are the Eligibility Verification Notices going to ask for.

    However, if it gets flagged, the draft law it’s very clear that then your details will be passed on to a human being who will check your account etc.

  • FAFB
    FAFB Online Community Member Posts: 22 Listener

    Hi. Can i check something. Will the banks give DWP basic information (like name, account number) anyway or would this information only be passed on if something is flagged? Thanks

  • alexroda
    alexroda Online Community Member Posts: 377 Trailblazing

    hi

    Reading through the draft law, my understanding is that banks won’t be doing checks automatically, but it would be the DWP sending Eligibility Verification Notices to the bank. Then the bank will check the account and send back the info requested by DWP.

  • Tonawanda17
    Tonawanda17 Online Community Member Posts: 183 Contributor

    hi. Are you saying they still have to suspect wrongdoing before requesting data

    I thought the way this was going to work was the banks would be issued with a notice to look through accounts and report savings over 16k to the dwp.

    Did I misunderstand?

  • [Deleted User]
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