Hi, my name is dozydo! My husband has come into an inheritance.
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Hi I hope someone can advise please.My husband has come into an inheritance which hopefully will let him buy our council house,I have reported the change to Universal Credit and they want me to take 3 months bank statements to prove this,which is fine but I am worried I have lent money to my sons and grandsons who are also on uc..can I redact the info concerning them as I don't want to affect their claims.Any idvice plz?
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Hi @dozydo and welcome to the forum. I think this depends on the information that they need from the Bank statement. Did they specify why they wanted 3 months - what they wanted specifically to identify within that period?
Also, it might depend on the value of the money lent. I've added a link below to the Gov. website with some information I hope will be helpful. It looks as though for UC, anything below £6k should be ok, but I'd investigate the specifics further just to be sure.
Universal Credit: money, savings and investments - GOV.UK
I hope you don't mind but I've also updated the title of this post with detail of your question just to help others who might have some experience with this type of scenario, to easily see it. I hope that's ok.
All the best,
Holly.
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Hi dozydo (what a name!), this is a bit tricky as any attempt to cover anything up with DWP that could risk being uncovered will reflect badly on both you and your kids / grandkids. They look through bank statements with a fine tooth-comb now, so it would definitely be a risk. You can't just redact things, like draw black lines through items on your bank statements, afraid that will be red flags to them. They will want to see the details of every single transaction on your bank statements. What I'd do in your shoes is go and talk it over with citizens advice, they're in the best position to give you the correct advice. You might find it's not so bad for everyone as you'd thought. PS citizens advice should not report anything you divulge, but check with them first before you spill any beans!
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No, you will not be able to redact anything on those statements. If you do this then it will look suspicious.
You can give money away but you'll still be treated as having the money because it will be deprivation of capital. You can't give away your money and still be expected to claim a means tested benefit, if your capital is over the allowed amount.
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Poppy123456..i am not intending to claim any benefits now my husband has has an inheritance..I was merely enquiring if I could redact the money I've lent my son and grandsons that will show up on the statements as they are all on uc and I didn't want them getting into trouble.
I think you misunderstood my post.
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I didn't misunderstand you, it's just you weren't clear. My advice is still the same, you can't redact anything from your statements because it will look suspicious. I'm assuming they want to see when the inheritance went into your bank?
The money you gave your son and grandson, if that takes their total capital to more than £6,000 they must also report the changes for their UC claim.
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The monies I lent were certainly not large amounts as I was living hand to mouth ..like the majority of people on uc..its was the odd 20 or 30 ,so doesn't affect their claims..my husbands inheritance wasn't given until Dec 10th…and uc were notified straight away.
From the way you speak i get the impression you work for Univesal Credit..am I right?
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Poppy doesn't work for the DWP, like me she has good knowledge of the system and gives her time freely helping people who post here on Scope.
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Oh here we go again. No, I do not work for DWP, never have and never will!! I have health conditions and claim benefits myself. @Kimmy87 is correct, we both give our time freely here despite both having to deal with our health conditions everyday.
You came here and ask questions, which I answered. I'm sorry if you don't like the answers you were given. I'm only advising you of the rules.
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You just sounded knowledgeable thats all,many thanks for your input.
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No @dozydo Poppy neither works for the DWP, nor Scope. She is here on her free time, helping people out of the goodness of her heart for free. But yes, she is super knowledgeable in the field of benefits. 😊
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No problem and thank you.
Thank you Albus!
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