We'd like to remind Forumites to please avoid political debate on the Forum... Read More » This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Benefits & tax credits

Get help discovering which benefits you are entitled to - and how to claim them.

UC Migrated claim - one year later
Hello and sorry to have to ask here, I'm getting no response to my query in my UC journal. So, wife, I, and daughter, claimed CTC and WTC and were migrated over to UC the early part of last May. No disability elements were claimed for. As I understood it, our claim would only last for one year as we have savings in excess…
Universal Credit won't deduct SIPP contributions
Anyone else having problems getting Universal Credit to deduct SIPP contributions from earned income? We were migrated to UC in April and have transitional protection for 12 months (due to capital above threshold). My partner doesn't have an occupational pension but pays monthly contributions into a SIPP. We have had no…
Unsure if I should have declared
Hi - I am after advise please as am really worrying I have unknowingly done something wrong. I live with my elderly mother in her council house so classed as a non-dependent - she claims pension credit and housing benefit. I work full time and live with her. Every year we inform the council of mums financial details,…
LCW
Will transitional protection stop if awarded LCW? I know it does not add anything to the amount but I just want to check if the TP will still apply please?
Pension credit cancelled
Hi all, my dad applied for pension credit, back in Feb. Finally in June he was awarded and backdated as well as guaranteed element. He's 83. So this meant he could finally get dentist treatment. Abd his rent paid etc. So made his life do much better. Now, December, they've wrote and said they hadn't realised his IIB…
Losing UC Transitional Protection
This might be a bit long so I'll try my best to keep it concise! Current situation: Me, spouse, adult child, child's spouse in social housing. I, my spouse, my child all claim PIP (I get standard DL and Mob, spouse gets enhanced DL, child gets enhanced DL and mobility). Child is uni student with no other income, I'm a…
Disregarded Capital and Universal Credit
Hoping someone can clarify as I think I'm correct. I'm having my Universal Credit review and need to wait for a decision maker to make a decision. I have a pension pot with a small amount in it just around £3.000 but am too young to cash or draw it anyway. My understanding is that pensions are not regarded as capital with…
Mesher order and universal credit
Currently I live with my wife and 2 kids and are getting divorced. We are both on the mortgage. One idea is she moves out and rents as she would be entilted to quite a lot of universal credit which means she could afford a place locally. It would be with a mesher order ie in a set number of years house is sold and she gets…
London Black Cab driver UC under SE claims - a few clarifications
Hello This is not my claim. I am a UC claimant as a business owner. This is for a friend of mine whose just terrible with math and is struggling with their claim. They recently had to claim UC becasue of a disability - massively reduced hours. They had their first self employment review and the case worker asked them to…
Uc joint claim
Hi good morning.l am on a joint claim but l am only working with me earning £1650 per month from June before tax .would my partner need to attend uc appointments
6k threshold on a couples UC
Hi, I'm needing to know if I would be over the 6K threshold for UC, based on the fact that my partner needs to learn to drive and has taken out a 2k loan to do so. If we are claiming UC as a couple and this loan takes us just over the 6k when you add our bank accounts together, does this count and we'll be deducted?
Universal credit and social care costs
My husband and I have recently been migrated from a joint Income Related Employment Support Allowance (IRESA) to a Universal Credit (UC) and New Style Employment Support Allowance (NSESA) combination. We also receive Transitional Protection so no loss of income. The NSESA is in my name and was a suprise as I've only ever…
PIP Advice
My wife had her telephone PIP assessment today and at the start the assessor said it would last an hour or so but it actually lasted 2hrs 20mins absolutely excruciating for my wife the assessor went into minute details about every little thing about her conditions. Anyway we phoned the DWP later in the day to ask how many…
Scottish Child Payments stopped?
Hello all Hoping someone can help with this. We normally get Scottish Child Payments for our children and have been since they started. We migrated over to UC after the migration letter last year after being on Child Tax Credits. My children are under 16 We also get Scottish Child Disability Payments for them. But out of…
Universal Credit and Tax-free Childcare
Hi, I just learned that I can't claim Universal Credit and Tax-free Childcare at the same time. Does anyone know how I can work out which one will be better to claim? I wondered if there's some sort of way of establishing how much childcare costs I would get back from a UC claim, and then comparing that with how much I…
Universal Credit. Private Home Owner. Eligibility for Help with Service Charges.
I am on Universal Credit, and live in a privately owned property with no mortgage. I am required to pay over £1000 per year in maintenance service charges. So, far I have received a single small payment from UC. I have increasingly low earnings from self employment, and they have deemed me “not gainfully employed,” meaning…
Resigning from work
If a person is off work long term because of sickness and they are getting SSP along with UC can they resign without being sanctioned. They are in the LCWRA group with UC. There is no prospect of them returning to the job they had but they ae still having to obtain doctors notes and have regular meetings with the company…
Junior SIPPs contributions and Universal Credit
I receive State Pension and my wife is a Carer caring for me. We transferred over to UC since we are on certain benefits e.g. Child Tax Credits and my wife is under pension age (Mixed Age Couple). Can she take up a Junior SIPPs for our child by making an initial one off payment to start, and subsequently pay in £100…
Youreable disability forum down?
Does anyone know if the Youreable forum has been taken down permanently? There's just a notice for site maintenance but it's been like this now for several weeks. youreable.livingmadeeasy.org.uk One of the most helpful disability forums that I've been a member of for close to 10 years, it'd be such a shame if it's not…
Universal credit - Child Element eligability
Hello all, Apologies if this is a duplicated subject! I am a separated Father of three children, and would like to add them to my universal credit claim. I am stuck as the universal credit team are saying that because child benefit isn't awarded to me I am ineligible, I have read a few articles online, that state whilst…

★ ★ ★ Meet your Ambassadors

Confirm your email address to Create Threads and Reply

MSE News

Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

View All

Benefits & tax credits

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Benefits & tax credits

Discussion List

Confirm your email address to Create Threads and Reply

🚀 Getting Started

Categories

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free