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Deprivation of capital ?
Comments
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I asked a similar question in my local jobcentre and was told by two members of staff that buying a house to live in would NOT be deprivation of capital, neither would spending money on refurbishing it.
There may be a limit of "reasonableness" beyond which Deprivation of Capital is suspected, in that you might not be able to spend millions on a mansion leaving yourself with tuppence to live on, but there is no fixed limit on the size or value of house you can buy.
As well as a lodger you might be able to rent the driveway out for parking.A kind word lasts a minute, a skelped erse is sair for a day.0 -
My knowledge of deprivation is somewhat limited. However, I am aware of a case that caused upteen arguments in their family.
The husband, whilst he had a good job up in London was one for spending instead of saving. Approx 2 years before he was made redundant he received a massive bonus from work. As always he had spent it before he received it. They moved home buying a £1.2m farm and for himself a new Aston Martin to go in the garage for his trips to the golf club and the pub. All of about 2000 miles a year. Anyhow as I have said, 2 years later he was made redundant.
Having very little in savings and a mortgage of around £250,000 he claimed JSA for himself, wife and four young children. They reviewed his bank accounts and found £1,000's going out and yet more £1,000's coming in. He told them about the mortgage and when he moved and his 'passion' for expensive toys. He was only able to claim Contributory JSA and that lasted I think 6 months. They have refused to pay anything else as the DWP are saying that he was 'rash' (moving from a property with no mortgage to one with £250,000 & an expensive motor car).
Whilst the DWP couldn't prove that he was aware that he would be made redundant, he couldn't prove that he didn't know.
So the upshot is that they went back over two years looking at what he did with his money and now say that he deprived himself of it to claim benefits in the unprovable case that he knew redundancy was on the cards within the next few years.
Looking at the calculations he has done on the level of money involved, it looks like he will always have this deemed capital for 10's of years to come.
Yes they do look back over 2 years before unemployment. And surprisingly if he tried to appeal, he would have to show that he didn't know about the redundancy!!!
You can never be certain what actions you take today would have on problems that arise in years to come.
From my point of view I think it is far better to be poor and have nothing as they cannot argue with that!!0 -
My knowledge of deprivation is somewhat limited. However, I am aware of a case that caused upteen arguments in their family.
The husband, whilst he had a good job up in London was one for spending instead of saving. Approx 2 years before he was made redundant he received a massive bonus from work. As always he had spent it before he received it. They moved home buying a £1.2m farm and for himself a new Aston Martin to go in the garage for his trips to the golf club and the pub. All of about 2000 miles a year. Anyhow as I have said, 2 years later he was made redundant.
Having very little in savings and a mortgage of around £250,000 he claimed JSA for himself, wife and four young children. They reviewed his bank accounts and found £1,000's going out and yet more £1,000's coming in. He told them about the mortgage and when he moved and his 'passion' for expensive toys. He was only able to claim Contributory JSA and that lasted I think 6 months. They have refused to pay anything else as the DWP are saying that he was 'rash' (moving from a property with no mortgage to one with £250,000 & an expensive motor car).
Whilst the DWP couldn't prove that he was aware that he would be made redundant, he couldn't prove that he didn't know.
So the upshot is that they went back over two years looking at what he did with his money and now say that he deprived himself of it to claim benefits in the unprovable case that he knew redundancy was on the cards within the next few years.
Looking at the calculations he has done on the level of money involved, it looks like he will always have this deemed capital for 10's of years to come.
Yes they do look back over 2 years before unemployment. And surprisingly if he tried to appeal, he would have to show that he didn't know about the redundancy!!!
You can never be certain what actions you take today would have on problems that arise in years to come.
From my point of view I think it is far better to be poor and have nothing as they cannot argue with that!!
Sorry to have to say this but that is utter tosh. I think you have been told a "take" on what might have happened, but you have not been told the clear, full facts.
For one thing, proving when a redundancy exercise commenced would be simplicity itself. I'm not even going to get into the wholly made up "rashness" test.0 -
My knowledge of deprivation is somewhat limited. However, I am aware of a case that caused upteen arguments in their family.
The husband, whilst he had a good job up in London was one for spending instead of saving. Approx 2 years before he was made redundant he received a massive bonus from work. As always he had spent it before he received it. They moved home buying a £1.2m farm and for himself a new Aston Martin to go in the garage for his trips to the golf club and the pub. All of about 2000 miles a year. Anyhow as I have said, 2 years later he was made redundant.
Having very little in savings and a mortgage of around £250,000 he claimed JSA for himself, wife and four young children. They reviewed his bank accounts and found £1,000's going out and yet more £1,000's coming in. He told them about the mortgage and when he moved and his 'passion' for expensive toys. He was only able to claim Contributory JSA and that lasted I think 6 months. They have refused to pay anything else as the DWP are saying that he was 'rash' (moving from a property with no mortgage to one with £250,000 & an expensive motor car).
Whilst the DWP couldn't prove that he was aware that he would be made redundant, he couldn't prove that he didn't know.
So the upshot is that they went back over two years looking at what he did with his money and now say that he deprived himself of it to claim benefits in the unprovable case that he knew redundancy was on the cards within the next few years.
Looking at the calculations he has done on the level of money involved, it looks like he will always have this deemed capital for 10's of years to come.
Yes they do look back over 2 years before unemployment. And surprisingly if he tried to appeal, he would have to show that he didn't know about the redundancy!!!
You can never be certain what actions you take today would have on problems that arise in years to come.
From my point of view I think it is far better to be poor and have nothing as they cannot argue with that!!
Jackanory's making up another story!0 -
If that story was true none of us would be able to buy anything new because anyone's job could be classed as being "at risk" in the present climate!0
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If that story was true none of us would be able to buy anything new because anyone's job could be classed as being "at risk" in the present climate!
Read her other stories and believe me they are as impossible as this one is!
Her ESA claims make good reading and bare in mind her age when reading them!0 -
Jackanory's making up another story!
Careful now! Inspirational people who only fail their ESA medical because of worthy permitted work whilst on ESA over the state retirement age are to be simply admired.
Must have been special dispensation at a very high level.Just in case you were wondering (some have)..... I'm a woman!0 -
Careful now! Inspirational people who only fail their ESA medical because of worthy permitted work whilst on ESA over the state retirement age are to be simply admired.
Must have been special dispensation at a very high level.
yes it must be, so special that no one else in the UK has it!
Yes you can claim ESA while in getting two private pensions and while claiming your old age pension now.0 -
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