I spent my savings as Dss were taking so much off my benefits

HappyMJ

nicky_savage wrote: »

I told them I had savings..
I was not trying to be dishonest, I had borrowed money from a friend and my Mum thinking I would get work and be able to pay them back without having to take money from my I.s.a.. My friend is moving back home and my Mum wanted money for a new kitchen, it sounds a bit of a weak story I know.. still worried.

You should let your friends and Mum take you to court to get a CCJ against you. They would have then had to prove to the court you owed the debt to them and it was immediately repayable. The debt would then become enforcable and you can repay it back to them within 28 days and inform the court so the CCJ does not appear on your credit report.

johnkat

nicky_savage wrote: »

I had tried to keep my savings as they were my security for emergencies etc, the Dss were taking quite a lot from my benefits so I decided to pay all my debts 3,500 to my mum and other money I had borrowed from friends..
Will the Dss accept this or think I spent the money so I could get full benefits?..
What proof will I need, will a letter from from the people I have borrowed from be enough?.
Please help..
Nicky :0)

It's OK, as has previously been stated, you are allowed savings of up to £6000 before benefits are affected..carry on.

Hmm71

It's not the DSS, it's DWP and has been since 2001.
Yes, totally off the point but it bugs me when people still say DSS after all this time. I always want to go into lettings agents and tell them whenever I see "No DSS" in their window displays. Sad little person am I not? :rotfl:

toontron

Hmm71 wrote: »

It's not the DSS, it's DWP and has been since 2001.
Yes, totally off the point but it bugs me when people still say DSS after all this time. I always want to go into lettings agents and tell them whenever I see "No DSS" in their window displays. Sad little person am I not? :rotfl:

You should meet my Dad, he still refers to things like "The Labour Exchange", "The GPO", you would get on like a house on fire:D

Hmm71

toontron wrote: »

You should meet my Dad, he still refers to things like "The Labour Exchange", "The GPO", you would get on like a house on fire:D

My husband still talks about the "hit parade" on the "wireless".

poppasmurf_bewdley

jewelly wrote: »

Do the DWP have access to people's bank accounts then? I never knew that.

Not just the DWP. Also the council and HMRC!

mazza111

Even clearing off any debts can be seen as deprivation of capital. When I got my ill health retirement benefit through, I cleared off my credit card, wasn't much, only about a grand n half. They still seen it as deprivation, I didn't need to pay it in one lump sum, I argued the fact that the interest would have been higher if I hadn't cleared it. Didn't really matter in the end as I was entitled to contributions based ESA.

Mara69

nicky_savage wrote: »

I had tried to keep my savings as they were my security for emergencies etc, the Dss were taking quite a lot from my benefits so I decided to pay all my debts 3,500 to my mum and other money I had borrowed from friends..
Will the Dss accept this or think I spent the money so I could get full benefits?..
What proof will I need, will a letter from from the people I have borrowed from be enough?.
Please help..
Nicky :0)

The above makes it clear that the OP had in excess of £6k as the DWP were making deduction to her benefits. The above post also makes it clear that because the DWP were making the deduction she decided to pay some 'debts' to friends and family. This is clear and intentional deprivation. The DWP will act accordingly.

The OP has failed to return to the thread and has failed to answer simple questions on the how the money was 'lent'. Draw what conclusions you like from that.

jetplane

Probably a troll but to have money deducted from his benefit he would have to be talking about having savings over 6K. So he is implying that he had £9500 before he paid £3500 to family otherwise there would be no reduction in weekly benefit.

It doesn't really matter because the law says that you fall foul of the deprivation of capital rule if you deliberately dispose of capital in order to access benefit. OP is clear that this was his intention therefore the 3.5k will be notional capital and his benefit will still be reduced.

£3500 excess capital would reduce your benefit by £14 a week, presuming you are under pension age. No need to worry OP you will still have 6k for emergencies and can always borrow the 3.5k back if you're stuck.

borkid

RAS wrote: »

Since you are allowed £6,000 in savings before they have any affect on your entitlement to benefits, this was really unnecessary.

I was just going to point that out.


I think you can use saving to pay back debts in some cases. I know of someone who had £12000 of CC debt, run up over several years due to illness plus £5000 debt to parents. Spoke to DWP and she was allowed to remortgage her house ( had a lot of equity in it) and use the surplus to pay off the CC debt. She did need to get a guarantor mortgage though. This was a couple of years ago so don't know if this would be different now.