What if you have savings and debts?

alwaysonthego_2

andy46 wrote: »

Without googling this guy - I have no idea who he is ????.
I can assure you that nothing is further then the truth !!. I have no ego at all !
At least I do not ask my friends and colleagues who contribute to this forum to Thank me for every post I write. You will see that all my thanked posts are from genuine posters !!

I was just being facetious!

Sorry Healy, ONW, SDW, DMG, BP, Sunnyone etc you are not genuine posters even though you are regular contributers to this board!

CCFC_80

alwaysonthego wrote: »

I was just being facetious!

Sorry Healy, ONW, SDW, DMG, BP, Sunnyone etc you are not genuine posters even though you are regular contributers to this board!

The people who reply to my thanked posts are from people with genuine thanks who are appreciative of the help and advice when given, where as yours the majority are just from a small clique group who just want to thank each other for the sake of it and pat each other on the back !.Having said that to reiterate, all of your contributions of advice on this forum are appreciated even by me. I was quite willing to end this but was totally offended by your Garry Anderson comment !

alwaysonthego_2

andy46 wrote: »

but was totally offended by your Garry Anderson comment !

Actually you will find it was EMA that made the original comment based on the comment where you were making the same comparisons between ONW and I!

NASA_2

andy46 wrote: »

The people who reply to my thanked posts are from people with genuine thanks who are appreciative of the help and advice when given, where as yours the majority are just from a small clique group who just want to thank each other for the sake of it and pat each other on the back !.Having said that to reiterate, all of your contributions of advice on this forum are appreciated even by me. I was quite willing to end this but was totally offended by your Garry Anderson comment !

So you have the right to accuse others of being sycophants but when its thrown back at you its an insult. There is a lesson in there somewhere.

dodger1

Didn't realise I'd start a war when posting this thread.

NASA_2

dodger1 wrote: »

Didn't realise I'd start a war when posting this thread.

Its just friendly banter really. :beer:

hippy-chicy

This is how i would look at the above as a DM for HB/CTB in the above case.

I would want to know the following:

1. Was the customer aware of the rules regarding the capital limits for HB/CTB ? In this case it is a yes.
2. Were the debts priority debts - mortgage arrears, council tax, utility bills etc ( as alwaysonthego has mentioned). If this was the case then i would not see this as deprivation of capital, but i would expect to see proof of this.
3. If they were credit card debts had the customer been threatened with any action e.g Letters etc again would need proof.
4. Were debt repayments causing hardship i.e monthly debt repayments were very high in comaprison with income.

Basically the main things i would want to know would be if the debts needed to be repaid now and how much knowledge the customer has regarding the capital limits.

But each case is different, but from my experience cases where capital has been reduced significantly just before making a claim are always looked at a little more closely.

In all cases i would expect to be able to see proof that debts had been repaid e.g bills, statments etc. In the case of family loans i would want if possible a statement to confim the amount paid etc.

Golden_Anemone

dodger1 wrote: »

Nothing strange, we recently divorced and the money I owe her is half of all our ill gotten gains over the years. The settlement figure has only recently been reached after cashing everything in and dividing it in half. It's just unfortunate it coincides with my redundancy but everything is above board and open to inspection by inspectors from the benefits people.

In that case I don't know why you even thought to ask the question. Of course you must pay this money immediately and of course the DWP or LA will not consider it deprivation of capital.

Zara33

andy46 wrote: »

Yeh right !!! (like this particular post !, Healy also in on the act)
It would be better if genuine posters used the Thanks button or this facility should be removed.

Some people get so hung up over a thanks button :rolleyes:

:whistle: all the usual suspects i expect you to hit that button :rotfl:

dodger1

Golden_Anemone wrote: »

In that case I don't know why you even thought to ask the question. Of course you must pay this money immediately and of course the DWP or LA will not consider it deprivation of capital.

I thought to ask the question as I didn't know the answer!!!!!!!!!