Paying off budgeting advance loan early so can I apply for another one immediately?

calcotti

poppy12345 wrote: »

Calm down, we all make mistakes here, non of us are experts. Tomtom was most likely thinking of the 6 month rule, where you need to be claiming UC for this length of time before you can apply.

As an aside, I think the six month rule for the first advance can include time on other means tested benefits immediately prior to claiming UC (if applicable).

poppy12345

calcotti wrote: »

As an aside, I think the six month rule for the first advance can include time on other means tested benefits immediately prior to claiming UC (if applicable).

It would seem logical that it does, providing there's no gap between claiming. I forgot to mention that, thanks.

tomtom256

Grey's_Anatomyfan643 wrote: »

You are wrong, it's not every 6 months at all, where did you get that information from? every people who paid they advance off can apply for another one as long as the person meets the criteria again and not earn a lot in wages and some people can get another one on the same day as when the advance payment has been repaid.

If you don't believe me, check on Facebook groups like - Universal Credit help from The Sun - Universal Credit Essentials - UNIVERSAL CREDIT SURVIVAL!

I think you need to do research first before you make any comments and misleading people.

Thats actually what internal DWP guidance state.

A new claim or benefit transfer advances for UC can normally be obtained in first AP, after that it's generally a budgeting advance which is normally either for helping you to start or keep paid work or for white goods etc.

The UC systems actually decides if you are entitled.

calcotti

tomtom256 wrote: »

Thats actually what internal DWP guidance state.

Worrying if internal guidance says there has to be a six month wait between loans. None of the public information I can find says this. For example https://www.gov.uk/universal-credit/other-financial-support

Eligibility
To get a Budgeting Advance, all of the following must apply:

• you’ve been getting Universal Credit, Employment and Support Allowance, Income Support, Jobseeker’s Allowance or State Pension Credit for 6 months or more, unless you need the money to help you start a new job or stay in work
• you’ve earned less than £2,600 (£3,600 together for couples) in the past 6 months
• you’ve paid off any previous Budgeting Advance loans

[Deleted User]

I’ve had family that have had them and not gd to wait six months.

Grey's_Anatomyfan643

tomtom256 wrote: »

Thats actually what internal DWP guidance state.

A new claim or benefit transfer advances for UC can normally be obtained in first AP, after that it's generally a budgeting advance which is normally either for helping you to start or keep paid work or for white goods etc.

The UC systems actually decides if you are entitled.

No it doesn't state that, it states you need to be receiving the following benefits for 6 months before you can claim a loan, not wait after 6 months before you can apply for another one.

tomtom256

Grey's_Anatomyfan643 wrote: »

No it doesn't state that, it states you need to be receiving the following benefits for 6 months before you can claim a loan, not wait after 6 months before you can apply for another one.

So you have access to this guidance then? As I do, the online public stuff states the above, but the guidance given is every six months, to try and stop people falling into benefit debt.

Otherwise, people would be contstantly living off budgeting loans, which then defeats the whole purpose of a budgeting loan.

Their is a difference between public guidance and actual staff guidance/expectations.

You know like the sanction regimes etc that the DWP never have or that a percentage of WCA's have to fail at the first hurdle.

calcotti

tomtom256 wrote: »

So you have access to this guidance then? As I do, the online public stuff states the above, but the guidance given is every six months, to try and stop people falling into benefit debt.

As per my previous comment. I find it very disturbing if public information is different to internal guidance. Obviously I would expect internal guidance to be more detailed but in this instance we are talking about different meaning.

Robbie64

tomtom256 wrote: »

So you have access to this guidance then? As I do, the online public stuff states the above, but the guidance given is every six months, to try and stop people falling into benefit debt.

Otherwise, people would be contstantly living off budgeting loans, which then defeats the whole purpose of a budgeting loan.

Their is a difference between public guidance and actual staff guidance/expectations.

You know like the sanction regimes etc that the DWP never have or that a percentage of WCA's have to fail at the first hurdle.

When Universal Credit was first devised, Budgeting Advances were intended to be restricted to be the exception rather than being paid on request (as has happened with Budgeting Loans under legacy benefits). The intention was that someone who made either multiple repeat applications or a repeat application without good reason within a short (possibly 6 months?) period of time would be called into the JobCentre for a discussion on budgeting. This plan was dropped at some point when UC went live, presumably because it was proving to be a difficult policy to put into practice. Possibly some old guidance may still exist but it's not going to apply now. Staff should not be applying it.

11krage

Basically if you meet the underlining criteria for a budgeting loan, you can get another one once the previous one is paid off. Bear in mind it can take a few days for debt management to update UC that the loan has been paid off.