-
Universal Credit & Deprivation of Capital (Mortgage)
I just want to find out if anyone has experiences of using redundancy money to pay off all or part of a mortgage and whether that is allowed, and then still being able to claim benefits? Everywhere I read online the answer appears to be that this is not considered a deprivation of capital, but at my first UC meeting…
-
UC & Savings and reclaiming when still paying back overpayment
Hi there, We claimed universal credit as a couple from sometime in 2023 to April (ish) this year, 2025. We had to stop claiming as my father gave us a large sum of money towards a house deposit which took us well over the £16,000 threshold for savings. We only realized we had broken the rules a couple of months after he…
-
LCWRA changes.
Does anyone have any links to the changes on LCWRA amount after April 2026. I know things will only change for new claimants. As I understand it people with serious lifelong conditions will get the highest rate and those who are end of life. Does anyone know whether people going through extensive treatment for example for…
-
Child Benefit, NI Credits & eBay Side Hustle – Advice Needed
Dear all I’m trying to make sure we’re doing things correctly with tax and benefits. My wife claims Child Benefit for NI credits (child under 12), and I’m a high-rate taxpayer so the High Income Child Benefit Charge applies to me. She’s recently started an eBay side hustle: * Gross income: ~£12,000 this tax year * Interest…
-
Universal Credit budgeting advance
I went on to universal credit early last year and whilst waiting on my first payment I was asked if I wanted to get a loan to keep me going until my first universal credit payment then I could. I now only have £20 left to pay, and was wondering if I could pay that early then apply for a budgeting advance straight away? I…
-
UC and disregarded money
Hello I am moving from ESA to UC and have a question about disregarded money. When DWP ask for details of bank accounts, do I also have to give details of these two bank accounts where the money is disregarded for benefit purposes. 1. Personal injury trust fund, set up by solicitor, I cannot access without trustee…
-
Universal Credit Managed Migration - I'm on the sick but they want me to work
I received the letter about legacy benefits ending and that I have to sign on to Universal Credit via managed migration a few weeks ago. I have been on Income Support and then ESA for the better part of 20 years (since 2005) because I've been on mental health medication, but in that time I have been volunteering at charity…
-
Warm Home Discount 2025/2026, check whos name is on your electricity bill.
The qualifying rules for the 2025 Warm Home Discount have changed from the 2024 rules- the property size/age rules have been scrapped so more will qualify this year than last year. The Government have this week issued a Press Release reminding people in receipt of Income Related (means tested) benefits to check that they…
-
DWP old overpayment and state pension
Hi folks In a nutshell, I have an DWP Income support overpayment from several years ago. I have been unable to afford to repay the amount, but understand they are able to take any overpayment from State pension when you are due to receive it, is this correct? and generally do they take a large amount from the pension? I…
-
Cold Weather Payments Checker
Hello, I have just checked my postcode & I am going to get a £25 cold weather payment. Put your postcode in & see if you will be too: https://coldweatherpayments.dwp.gov.uk/search-results.php
-
PIP Reassessment Time Scales
Hello, I was awarded PIP from 2021 until 2027 review after 17th March 2026. Is this still a realistic time scale? If not how long should I leave it before contacting them because I know that with PIP it does stop if you haven't been reassessed or are going through the reassessment process. Thank You
-
Automatic Conversion of Legacy CB ESA to NS ESA.
'Old Style' CB ESA apparently no longer exists and existing awards have already been converted to 'New Style' ESA.Whilst most people who had Legacy 'CB Only' ESA will not really notice the difference what it does mean is that if their circumstances change then they can now no longer get any IR ESA (the premiums) added to…
-
Universal credit and side hustle
Hi, I’m finding it difficult to find the answers so hoping someone can help here ! My husband and I ( with 3 kids) both work but receive UC to top up our income. I have a hobby/ passion which I would like to turn into a side hustle and if it works out well one day a full on income - growing and selling flowers. As with…
-
UC AP How to calculate??
So much confusion over this. It states online to calculate on the last day of your assesment period the total amount of money in all accounts, then deduct PIP, DLA, any wages and the UC payment itself. That leaves you with the capital because all the benefits, wages etc are income in tge current month it was payed in and…
-
Granddaughter child benefit
Hi my granddaughter lives with me and I'm a pensioner but her mum is still getting the child benefit. How can I receive the child benefit
-
Child benefit divorce finances
Hi, my husband and I are separating, he is the sole earner and high rate tax payer, I manage the teenagers (one home Ed) so I can’t and haven’t needed to work in some years! We have a joint mortgage and bank account and we don’t currently collect any benefits, including child benefit (we now realise this has been a mistake…
-
Child benefit without me knowing
Hi all, Apologies if this has been discussed but couldn't see a thread on it. In our household there has been discussions with my partner for years regarding child benefit, she is really struggling to understand how it works. According to online, we are not entitled to it due to my salary in the £80-90k range which it has…
-
No notification received yet about Winter Fuel Allowance
Apparently letters were supposed to go out to State Pensioners in Oct/Nov notifying them of upcoming WFA. I was receiving it no problem before (except last year) now I am having a bit of a panic as I haven’t heard from DWP. I am on State Pension only no extra personal pensions. Anyone else experiencing a delay?
-
Universal Credit Review Frequency
I am appointee for my Adult Son who is in receipt of Universal Credit. He had a review which was completed in October 2024. He now has a message on his journal for another review already, which isn't an issue but as his UC is paid into my account they wanted my bank statements last time even though I don't claim any…
-
UC what is a household for the purpose of savings?
My sister and father live together. My father has over £16k of savings. My sister has none. If my sister claims for UC will they make a deduction to her payment for the savings my father has?
