Savings Investigation

Poppy78_2

Just a note to say that my mum is 56.

Poppy78_2

I would just like to thank you all for taking the time to reply to my post.

seven-day-weekend

All I can think of is that your mum and her friend both write statements explaining (clearly) the situation and hope they believe them.

SMC_2

As others have said speak to the CAB and/or get legal advice.

With the account in your mum's name and statements going to her address it will be hard to prove the money is not hers.

tazzababe

Again as mentioned before get advice. I am claiming IS until I start back at uni in a couple of weeks. My sister uses one of my accounts for her mobile dd- phone is in her name and my name for dd. I gave her the cashcard and got statements sent to her address- so essentially had nothing to do with it. However IS found out about it because of a student loan transfer from that account inot MY acount, they stopped my money and insited that I send them statements. Both my sister and I wrote them a letter explaining the issue- their answer to this was to make her sort out her own dd and account. They said if money was in that account and my name was onit- I was liable.

Fran

jooles5a wrote:

The inaccuracy is what you said about over 60's having an upper capital (which it doesn't)limit

The information I gave is clearly a quote from a website. Re capital limits for over 60's, there is a situation where someone might be on Jobseekers Allowance between 60 and 65 and that is if you are male.

From Citizens Advice website:-

"Benefits when you are over sixty

Particular benefit rules apply to you if you are 60 or over. The most important difference is that it is up to you whether you work. Working may affect which benefits you can claim, but it usually no longer a condition of benefit that you have to look for work. The only exception is that if you are a man aged between 60 and 65, you can choose to claim Jobseeker’s Allowance if you want to but you will have to be available for and look for work."

That is why over 60's are mentioned in the table because in this case a capital limit would apply. I accept that I hadn't put that this applies to Jobseekers Allowance as well as Income Support, but as OP said their mother was on IS that was what I was looking at.

Interest earned on capital doesn't count as earned income and so isn't allowed the £5 you refer to.

I have it clearly in my head that it does count as income but can't find proof at the moment. Perhaps you can post a link if you think otherwise.

Hope this clears things up

No, because you are still implying the information I posted was wrong. If that's the case then I will happily remove it but I can't see that it is at the moment.

jooles5a

Fran wrote:

The information I gave is clearly a quote from a website. Re capital limits for over 60's, there is a situation where someone might be on Jobseekers Allowance between 60 and 65 and that is if you are male.

From Citizens Advice website:-

"Benefits when you are over sixty

Particular benefit rules apply to you if you are 60 or over. The most important difference is that it is up to you whether you work. Working may affect which benefits you can claim, but it usually no longer a condition of benefit that you have to look for work. The only exception is that if you are a man aged between 60 and 65, you can choose to claim Jobseeker’s Allowance if you want to but you will have to be available for and look for work."

That is why over 60's are mentioned in the table because in this case a capital limit would apply. I accept that I hadn't put that this applies to Jobseekers Allowance as well as Income Support, but as OP said their mother was on IS that was what I was looking at.

I have it clearly in my head that it does count as income but can't find proof at the moment. Perhaps you can post a link if you think otherwise.


No, because you are still implying the information I posted was wrong. If that's the case then I will happily remove it but I can't see that it is at the moment.

Unbelievable ! I'm sorry if you didn't like the way I put you were factually incorrect but there are only so many ways of tactfully saying you aren't right.

Firstly, if the capital limits you quote are for a man between 60 and 65 on JSA, they are CLEARLY not applicable to a woman on Income Support OR Pension Credit are they? Surely Poppy's mum is definitely NOT a man on JSA(IB, not C) or any other benefit for that matter.

If you have it clearly in your head then it must be right mustn' it ?! Take it from someone who worked at the sharp end for 20 years (Sup Ben for 5, IS for 4, UB/JSA for 5, Fraud for 1, MIG for 2 and PC for the rest - you work it out), there is no upper capital limit for PC - the level is determined by whatever the difference is between an individual's income and the threshhold set by the gov't that year.

If you still don't believe me, this is booklet is good:

http://www.thepensionservice.gov.uk/pdf/pensioncredit/pc10sapr05.pdf

p26 tells you about income

p33 earnings disregards

p41 deemed income from capital

It DOESN'T actually state that there is no capital limit, it's all by implication, but this does:

http://www.rnib.org.uk/xpedio/groups/public/documents/publicwebsite/public_pensioncredit.hcsp#P64_3674

Of course you could always try one of these on-line benefit calculators every one raves about - plug in a few different variants and have a see.

I won't say 'hope it helps' again - clearly this aggravates you and I'm not being drawn into an argument when the ONLY important thing here is to try and advise Poppy 78.

Fran

jooles5a wrote:

Unbelievable ! I'm sorry if you didn't like the way I put you were factually incorrect but there are only so many ways of tactfully saying you aren't right.

I highlighted INCOME SUPPORT because that was what was asked in the original question. What are you saying is factually incorrect?

Firstly, if the capital limits you quote are for a man between 60 and 65 on JSA, they are CLEARLY not applicable to a woman on Income Support OR Pension Credit are they? Surely Poppy's mum is definitely NOT a man on JSA(IB, not C) or any other benefit for that matter.

The question was asked about Income Support which I highlighted from the table. This is why I put the information about JSA there:-

You said:

The inaccuracy is what you said about over 60's having an upper capital (which it doesn't)limit - I know the OP said her mum is on IS but lots of folk still call PC, IS for over 60's and I didn't want casual readers of these forums to pick up the wrong information on upper capital limits (or lack of one).

The table mentions the upper capital limit for over 60's, so my last post explained when that might happen. The table is therefore correct and there can be a capital limit for over 60's. I would think it's more confusing to talk about Pension Credit in the first place (which you did) rather than ask the simple question "What age is she?".

If you have it clearly in your head then it must be right mustn' it ?! Take it from someone who worked at the sharp end for 20 years (Sup Ben for 5, IS for 4, UB/JSA for 5, Fraud for 1, MIG for 2 and PC for the rest - you work it out), there is no upper capital limit for PC

If you read my question, I am asking about INTEREST, not capital. The link you have given is to do with Pensions, not under 60's. I would still like some proof of whether INTEREST is counted as income, in this case interest on the account that we are talking about.

I won't say 'hope it helps' again - clearly this aggravates you and I'm not being drawn into an argument when the ONLY important thing here is to try and advise Poppy 78.

Well in that case perhaps you can provide a link that states whether the INTEREST earned on the account counts as income?