Universal Credit 'change of circumstances' problems

NewTime
NewTime Online Community Member Posts: 53 Connected
edited November 27 in Universal Credit (UC)

Hello all.

I posted some weeks ago about my poor financial situation and it has not since improved. From that post I decided that I would tell UC of a change of circumstance (COC). It made no financial benefit to me immediately, but I believe it would do in the coming weeks.

I previously received a amount of around £1020 with Transitional protection, but that didn't include housing, I have reported the COC and the amount is generally the same.

However, they have contacted recently that they are going to pay the landlord directly and they also stated that they were going to take money from the amounts to include arrears. I am worried how much money they will take from the remaining amount and also I would prefer the amount for housing to be sent to my account instead of the landlord. This is because it gives me help financially until the rent is due and also because I am in a problematic joint tenancy.

I feel a lot of regret about this as I really don't know what is going to happen.

By chance I had my UC appointment today and I am not sure the lady understands completely where am with this and she has raised a MR, in a attempt to get UC to clear all my remaining arrears, I don't believe that is going to happen.

But I also feel like the best thing to avoid this is to reverse the request for COC and go back to what it was a few weeks, is this at all possible? The lady did say to me today that I may not get the same amount?

Any help would be hugely apprecaited.

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Comments

  • OverlyAnxious
    OverlyAnxious Online Community Member Posts: 5,431 Championing

    Hi,

    You won't be able to reverse a Change of Circumstances. Just have to move forward now.

    We would need to know which element you have gained, and how much TP you had before, to determine whether there should be an overall increase in payments.

    Landlords can now request an APA from UC to make sure they get rent arrears paid. I'm not sure whether you have any say in that unfortunately.

  • Kimi87
    Kimi87 Online Community Member Posts: 7,876 Championing
    edited November 27
  • sunnydays
    sunnydays Online Community Member Posts: 102 Empowering

    Hi, Can anyone help with this UC question. I'm my son's UC appointee but sadly we don't talk any longer. How do I give up being apoointee to him. It's it a simple process? Any advice would we welcomed.

    Thank you in advance

  • NewTime
    NewTime Online Community Member Posts: 53 Connected

    My previous award:

    Standard Allowance: £400.14

    Transitional Protection: £619.71

    Award with housing:

    Standard Allowance: £400.14

    Houisng : £510

    Transitional Protection: £109.71

    I have probably made a mistake in trying to move to housing and I don't want it to be paid like this - I want the housing element to be paid to me directly. That is because I am in a joint tenancy with a housemate who is not paying all of the rent due, therefore if I pay all of my side and he he doesn't I would be then liable for some of his rent. They have stated in the updated statement "You will have to pay your housing costs to your landlord." But in another message they have said they are paying the landlord directly.

    I am also in the process of getting a fit note, but I have never done that before and I don't know how well that will go with someone who has Autism, would the doctor say no?

    Thanks for any help.

  • onlymeagain
    onlymeagain Online Community Member Posts: 265 Empowering

    Sadly you won't get a penny more until the TP is down to 0. Our rent went up in April as did our Carer's Allowance, but our UC went down. Apparently, this is correct.

  • OverlyAnxious
    OverlyAnxious Online Community Member Posts: 5,431 Championing

    Yes, I can see you have an unusual situation because of the joint tenancy now. Most people asking for advice aren't in that situation. I do apologise if previous advice on Housing was not suitable for your case.

    Housing Element is automatically paid to the person by UC. If you did not ask UC to pay your landlord directly, then your landlord has asked them instead. The landlord does have the power to do this if you are in rent arrears or have history of missing payments.

    Unfortunately, you cannot go back and remove the Housing Element now. What's done is done regarding that.

    You will be around £300 a month better off if you get LWCRA after the fit note and WCA so that is the thing to aim for right now. In order to get a fit note you will need to explain briefly to the GP why you are unable to work. It's not enough to just say Autism, as plenty of people can still work with Autism.

  • OverlyAnxious
    OverlyAnxious Online Community Member Posts: 5,431 Championing
    edited December 1

    That is correct for your case, but not for the OP.

    As they only have £109 TP, getting LCWRA will add around £314 to their total UC payment.

  • onlymeagain
    onlymeagain Online Community Member Posts: 265 Empowering

    I was going on their current payments, which does not include LCWRA. Even if they do get awarded it, they could be waiting a year or more.

  • NewTime
    NewTime Online Community Member Posts: 53 Connected

    Thank you for the reply.

    I contacted UC this week to get clarification over my award and what will happen to it if they are gonig to attempt to pay arrears. they say that they can only take 15% of the standard allowance as a maximum and that can be affected if I have had a advance which I have - so it means they will take very little, like £6 due to the advance.

    However, I still receive transitional element after the standard and housing so I am unsure if they take any of that.

    In terms if the fit note and my Autism - I am not sure how to go about that, what do I actually say to the doctor to get this fit note? It would be very helpful before I get the appointment.

    Thanks for your help.

  • OverlyAnxious
    OverlyAnxious Online Community Member Posts: 5,431 Championing

    It's been many years since I had to get a fit note myself, so I'm probably not the best person to advise on that.

    The main point of the fit note is to quickly explain why you can't work. If you were currently employed then it would tell your employer how long you are likely to be off work for. And with regards to benefits it allows you to start the process for health related elements of UC/ESA.

    Your GP will have written hundreds or thousands of fit notes over the years and should know how to do it unless they are very newly qualified. I would recommend explaining to them that you haven't been able to find or remain in employment for whatever reason (lack of social skills, poor change adaption, sensory overload, whatever your specific Autism symptoms are that prevent you working) and the GP should be able to work out the correct thing to write on a fit note. It doesn't have to be in great detail, as that will come later when you do the assessment for UC in future.

  • NewTime
    NewTime Online Community Member Posts: 53 Connected

    OK great - thank you. The little problem is that I have a new GP, so don't know if that will mean anything. However, whilst my Autism does affect me a lot, I also believe it may affect how I come across to the GP and they may decline a fit note.

    In all of this, I have been looking for jobs that I believe I can do and think my Autism is not as severe as other people's and I have a interview for next week. It would seem that I can continue to claim any potential LCWRA whilst working and having gone through the calculator to see if I can claim anything further to help, it would seem I can somehow get all housing costs covered! Surely that is not right?

  • OverlyAnxious
    OverlyAnxious Online Community Member Posts: 5,431 Championing

    It's good to hear you have a job interview coming up. It is true that you can continue to claim LCWRA if it's a part time job. However, it could be more difficult to score enough points for the LCWRA assessment if you are working at the time. Also bear in mind any income over £411 will mean some UC is deducted each month.

    As you currently have a joint tenancy, it won't be possible to get all of your rent covered. Only a maximum of 50%. If you move to another private rented property on your own, then your rent would be covered up to LHA amount at one bedroom rate. In reality this is not enough and most people renting privately have to add more money to this from other benefits. If you move into a social housing property (Council or Housing Association) then you would get all of your rent covered. But it is very difficult to get social housing now, there are too many people and not enough houses, the waiting lists are very long.

  • NewTime
    NewTime Online Community Member Posts: 53 Connected

    I suppose this whole thing is stressing me out and the calculators are saying something else.

    Currently I am in a joint tenancy with someone else, which has been difficult. The rent we pay is £510 each. The Universal Credit amount I claim currently covers the whole amount of my rent. So I am a little confused to your comment regarding the rent?

    In terms of the job interview coming up - it is for a full time job and I am at a complete loss to understand what the calculator is saying to me regarding this too! If I work 39 hours/week and get paid (before deductions) around £2100/month and get the LCRWA at higher rate, the calculation comes back with paying all my housing costs and something like £36.00. It just can't be right can it? At the moment, I am potentially looking to move and the housing have offered me a new flat and given me a reduction to £750 (because it's max UC) and it covers that too!

    Would I also be able to potential claim the lower LCA? As it seems it might not be a thing at the moment?

  • Kimi87
    Kimi87 Online Community Member Posts: 7,876 Championing

    If the WCA outcome was LCW then you wouldn't be paid any extra money for this.

    UC works by adding up entitlements then making any deductions.

    If awarded LCWRA (or LCW) you would have what's known as a work allowance on your claim.

    This is an amount of money you can earn before UC make their standard deduction of 0.55p for every pound earned.

    For someone receiving Housing Element this is £411 per month.

    This is why you appear to be seeing a UC entitlement with a wage.

    I will say though that benefit calculators are only as good as the information being input into them. If the information is wrong then the results will be too.

  • NewTime
    NewTime Online Community Member Posts: 53 Connected

    I have done the calculator a couple of times with the assumption of being in full time work and I have made sure that I am inputting the right information.

    So, based on a wage of £2100, would I be able to any further help with UC? With or without WCA?

  • Kimi87
    Kimi87 Online Community Member Posts: 7,876 Championing

    You would need to fill in the calculator once without any LCWRA, and once with LCWRA to see what the results are.

  • NewTime
    NewTime Online Community Member Posts: 53 Connected

    OK - I have done two different calculations, these are based on me moving to a different flat at £750pcm and in full-time employment.

    With LCWRA:

    Personal element: £56.46

    Housing element: £750pcm

    Lower rate of LCWRA (not sure this can be claimed?)

    Housing element: £383.19

    Without LCWRA:

    Housing element: £157.14

  • Kimi87
    Kimi87 Online Community Member Posts: 7,876 Championing

    LCWRA is currently paid at £423.27.

    The lower rate of LCWRA will only apply to new WCA's started after 6 April 2026.

    Since April 2017 LCW pays no extra money for new awards.

  • NewTime
    NewTime Online Community Member Posts: 53 Connected

    Thanks for taking the time to reply, I am still at a complete loss to really have a deep understanding of it all.

    I have gone through these calculators again, put in all of the right information and I somehow seem to be able to claim small and large amounts of UC whilst in full time work? Surely this can't be right.

    I've just used a different calculator which says I can get over £1000 in UC when in full time work.

    And yes, I am putting in the right information!

  • Trevor_PIP
    Trevor_PIP Online Community Member Posts: 1,121 Trailblazing

    A flat costing £750pcm? You can get a house for that where I live.