Deprivation of capital & JSA

poppy12345

Jean36 wrote: »

Is there any amout I can give back to my mum, even if its £1k? As I said earlier I have been living under her roof rent free etc, so feel I owe her something.

You can do what you want with the money but you still won't be able to to claim any means tested benefits, when you have over the maximum amount.

Why weren't you paying your mum when you lived there?

Jean36

Because she wouldn't accept the money until I got a place of my own, which I now have done so.

sammyjammy

The most sensible thing to do seems to be to live off the money in the savings and then repay it when you start work, once you have £24k again you can repay it to your mum, if you still desire to do so.

Afraid_of_Kittens

xylophone wrote: »

This was a gift from your mother to an ISA account in your name.
It became your money from the moment it entered your account.

If the money was a gift it is normally non returnable. Loans are returnable.

xylophone

This money is unquestionably your capital.

You could give it all or part of it away to anybody you liked but you cannot expect to claim means tested benefits to replace it.

If you feel that you owe your mother some recompense for the board and lodging, why not wait until you have a job and are earning enough not to require benefits?