Universal Credit Bank Reviews: Frequently Asked Questions

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  • Rosie_Scope
    Rosie_Scope Posts: 8,541 Online Community Team

    Hi @Amberpearl, that sounds right. They'll usually let you know if something isn't quite correct, but what you've described seems fine to me. Hope it all goes okay!

  • Amberpearl
    Amberpearl Community Member Posts: 3,979 Championing

    I've until the 4th of Feb to submit it

    Il try to do it at the weekend

  • Rosie_Scope
    Rosie_Scope Posts: 8,541 Online Community Team

    Sounds like a good plan @Amberpearl, good luck with it ☺️

  • Mary_Scope
    Mary_Scope Posts: 4,802 Scope Online Community Children and Family Specialists

    Hi @Amberpearl, were you okay submitting the documents after?

  • Amberpearl
    Amberpearl Community Member Posts: 3,979 Championing

    Yes finally got them uploaded and I scanned the council tax letter and tenancy agreement as by photo they kept getting rejected

    That was tues

    Not heard a thing since

    So I assume they were accepted

    Do you know if Il have to go through another phone call?

    Had one last Feb

    Nothing in journal yet re a phone call

    Hope not

    The anxiety on top of all my other health issues is jusr too much

    I'm. So nervous talking to. Strangers on a phone

  • Rosie_Scope
    Rosie_Scope Posts: 8,541 Online Community Team

    Sorry to hear it's been difficult @Amberpearl. They do often want to talk to you after you've submitted your bank statements. Usually to just talk through anything they might need more information about and ask some questions. I know it can be really nerve-wracking to speak to them but hopefully once it's done you'll get a rest from it all.

  • Amberpearl
    Amberpearl Community Member Posts: 3,979 Championing

    Not heard anything yet

    So every single time I get a review for documents, will there always be a, phone call?

  • Rosie_Scope
    Rosie_Scope Posts: 8,541 Online Community Team

    @Amberpearl It can vary from case to case, but they do usually want to talk to people, especially if they're doing a review like this involving bank statements. But after this one, hopefully your next review won't be for a while so you can relax a little.

  • Amberpearl
    Amberpearl Community Member Posts: 3,979 Championing

    I had one last year and they wanted 5 months bank statements and ids passports and I had a phone call

    This year I. Had message in my. Journal asking for 4 months bank statements and a council tax letter and tenancy agreement

    I've done that

    Heard nothing since

  • Amberpearl
    Amberpearl Community Member Posts: 3,979 Championing

    Just heard now

    Phone call review frid 27th 12 noon with Peter

    Call. Will last up to 30 minutes

    Please have your documents with you

  • kreacher
    kreacher Community Member Posts: 369 Empowering

    i wasn't asked for bank statements when i migrated

  • Amberpearl
    Amberpearl Community Member Posts: 3,979 Championing

    Had reminder of my uc phone review

    It's tomorrow at noon

    Very anxious

  • WhatThe
    WhatThe Community Member, Scope Member Posts: 5,789 Championing

    Amberpearl, be prepared for the call to come earlier or later than booked.

  • Amberpearl
    Amberpearl Community Member Posts: 3,979 Championing
  • WhatThe
    WhatThe Community Member, Scope Member Posts: 5,789 Championing

    Fingers crossed it's on time and over with quickly. The review agents will only ask questions you know the answers to and they are very patient. I hope you sleep well tonight.

  • Amberpearl
    Amberpearl Community Member Posts: 3,979 Championing

    Thank you

    I was awake a lot

    I'm. Thinking alsorts of things

    Soo scared

  • WhatThe
    WhatThe Community Member, Scope Member Posts: 5,789 Championing
    edited February 27

    It is scary but remember you've done nothing wrong! Nothing. There won't be any trick questions to answer. They just need to know there's a human attached to the claim and the same human they spoke to last time.

    Waiting is the hardest part and it will soon be over. These are for you 💐

  • Amberpearl
    Amberpearl Community Member Posts: 3,979 Championing

    Thank you

    No I've done nothing wrong

    My anxiety is bad

  • MiamoreEM
    MiamoreEM Community Member Posts: 4 Listener

    I have today had a breakdown over hiding what I haven’t been doing on UC.
    My one job was to declare my husbands income and look in to the tax - I haven’t done it, I’ve shut down and hid from it all because I don’t understand it. I’ve just sent this message to UC and am petrified of the repercussions - I don’t want my kids to see my face all over the paper, I don’t want to go to prison - I can’t breath!!
    this is what I wrote to them, my mental health has just taken over with the constant overwhelm and pain.

    UC Journal Entry -


    Hello, I’ve been burying my head in the sand for a year due to severe overwhelm - due to my Bipolar and ADHD - I have not been declaring my husbands earnings - although he thinks I have been - because I’m not sure how to do it all. I just shut down and pretend it is done - this has caused severe issues with my mental health and the longer I’ve left it, the worse it is getting. I know we’ve been over payed but I don’t know how to fix it all. This is never an intention of getting more money, money is no good to me when I rarely go out - it’s to avoid having to do it and the stress it brings - just shutdown with overwhelm and sit with anxiety instead. Please help me to fix this - my husband was under the belief that I’d enter it each month and sort his tax - I haven’t done a single thing and now feel like I’m drowning. This only came to light when I forced my husband to say he was not working today - and that he didn’t have a bank account - whilst I was having a panic attack - after the phone call I had to be honest and tell him - which has caused a lot of trouble and a temporary separation. I need to put this right and not let my mental health take over anymore. Can you please put a simple breakdown of what I need to do to put this right. I’m building this up in my head and picturing the horrors of my actions (or lack of) I can’t do it anymore. I will pay back every penny of what we owe, but I really need support in doing it. I’m so sorry, but my mind prefers to shut down and ignore important things rather than address it.

  • fussy
    fussy Community Member Posts: 5 Listener

    sorry you have suffered enough to bury your head in get it

    I do that, have you heard back from them at all