Redundancy payment

Hi, I have had to take VER & will get a small VER payment, so with current savings put me just under the benefits £16000 cap.
I will need to get a car as my works 1 is going back, being told my VER will be taken into account when making a claim?
So could I buy a car on fiance or a credit card & pay it off with my VER payment? 
I really can't believe they would make me live off my redundancy payment!


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