UC claim review

superM

I am not on UC at the moment but I have received a migration letter to switch by 8 May. 

I have several bank accounts. Will they ask bank statements for all of the accounts? 

SUPERGIRL2020

Muttleythefrog said:

HillStreetBlues said:

I think it's outrageous that it's taken 3 months since being first notified.
It's like they try and do the most they can to stress people out.

Was the issue not that the Op severely delayed in providing bank statements requested?

I was struggling to get the statements as my phone wouldn't upload them so I rang the bank asked them to post them out waited a month nothing came, rang them again was told they will repost them waited another month NOTHING! 

So I decided to go down to the actual bank myself which took some time due to some personal stuff I have going on at home

peteuk

SUPERGIRL2020 said:

Muttleythefrog said:

HillStreetBlues said:

I think it's outrageous that it's taken 3 months since being first notified.
It's like they try and do the most they can to stress people out.

Was the issue not that the Op severely delayed in providing bank statements requested?

I was struggling to get the statements as my phone wouldn't upload them so I rang the bank asked them to post them out waited a month nothing came, rang them again was told they will repost them waited another month NOTHING! 

So I decided to go down to the actual bank myself which took some time due to some personal stuff I have going on at home

If youve got online banking then could the bank not email them to you?  Or you use a laptop to download them. 

HillStreetBlues

SUPERGIRL2020 said:

Muttleythefrog said:

HillStreetBlues said:

I think it's outrageous that it's taken 3 months since being first notified.
It's like they try and do the most they can to stress people out.

Was the issue not that the Op severely delayed in providing bank statements requested?

I was struggling to get the statements as my phone wouldn't upload them so I rang the bank asked them to post them out waited a month nothing came, rang them again was told they will repost them waited another month NOTHING! 

So I decided to go down to the actual bank myself which took some time due to some personal stuff I have going on at home

What actual 3 months did you end up supplying?

KxMx

HillStreetBlues said:

SUPERGIRL2020 said:

Muttleythefrog said:

HillStreetBlues said:

I think it's outrageous that it's taken 3 months since being first notified.
It's like they try and do the most they can to stress people out.

Was the issue not that the Op severely delayed in providing bank statements requested?

I was struggling to get the statements as my phone wouldn't upload them so I rang the bank asked them to post them out waited a month nothing came, rang them again was told they will repost them waited another month NOTHING! 

So I decided to go down to the actual bank myself which took some time due to some personal stuff I have going on at home

What actual 3 months did you end up supplying?

There was an issue with my statements, this was flagged up by UC and corrected by me, the phone appointment was then booked after it had been sorted. 

HillStreetBlues

KxMx said:

HillStreetBlues said:

SUPERGIRL2020 said:

Muttleythefrog said:

HillStreetBlues said:

I think it's outrageous that it's taken 3 months since being first notified.
It's like they try and do the most they can to stress people out.

Was the issue not that the Op severely delayed in providing bank statements requested?

I was struggling to get the statements as my phone wouldn't upload them so I rang the bank asked them to post them out waited a month nothing came, rang them again was told they will repost them waited another month NOTHING! 

So I decided to go down to the actual bank myself which took some time due to some personal stuff I have going on at home

What actual 3 months did you end up supplying?

There was an issue with my statements, this was flagged up by UC and corrected by me, the phone appointment was then booked after it had been sorted. 

Did it take you 3 months to provide statements?

SUPERGIRL2020

peteuk said:

SUPERGIRL2020 said:

Muttleythefrog said:

HillStreetBlues said:

I think it's outrageous that it's taken 3 months since being first notified.
It's like they try and do the most they can to stress people out.

Was the issue not that the Op severely delayed in providing bank statements requested?

I was struggling to get the statements as my phone wouldn't upload them so I rang the bank asked them to post them out waited a month nothing came, rang them again was told they will repost them waited another month NOTHING! 

So I decided to go down to the actual bank myself which took some time due to some personal stuff I have going on at home

If youve got online banking then could the bank not email them to you?  Or you use a laptop to download them. 

I don't have a laptop and the bank said they can only post them or I will have to go into a bank and get them printed which I ended up doing

SUPERGIRL2020

HillStreetBlues said:

SUPERGIRL2020 said:

Muttleythefrog said:

HillStreetBlues said:

I think it's outrageous that it's taken 3 months since being first notified.
It's like they try and do the most they can to stress people out.

Was the issue not that the Op severely delayed in providing bank statements requested?

I was struggling to get the statements as my phone wouldn't upload them so I rang the bank asked them to post them out waited a month nothing came, rang them again was told they will repost them waited another month NOTHING! 

So I decided to go down to the actual bank myself which took some time due to some personal stuff I have going on at home

What actual 3 months did you end up supplying?

They wanted 4 months so I printed from October 2023 to Jan 2024

born_again

HillStreetBlues said:

born_again said:

HillStreetBlues said:

Has anyone blanked out the descriptions of what the transactions are for when asked for bank statements?
Can see why they would want to check if over capital threshold, but what you spend your money on should be private.

They need the transactions so they are sure you are not sending funds to someone to stay under limit. 
I got asked what a payment coming in each month was. It was daughters board.
Ours all had to be in PDF format as well. OK for bank accounts, but some savings only send annual statements. So had to copy & past into word to create a PDF.
No need to pay for app/program to do it for you.

If capital is under £6k you can do whatever you like with the money, spend it or give it away as UC had no system in what might happen.
You can't report anything with UC that will happen in the future. This includes any money you might be getting.
If you have £6k in capital and gave £5k away that's fine as you have never had over £6k, just because a future payment would have taken you over doesn't matter.

It starts to matter when over £6k, if you had £10k and gave £5k away  then you can be classed as still having the £10k as at the point you gave the money away it increased the UC amount. (you would get £69.60 more in UC)

EDIT
Having reread were you talking about hiding money rather than giving it to someone?

You are missing the point I was making.
If the OP is paying out money each month to keep capital under £6K. Then they can question it.

This is all part of the checks to make sure that people are not gaming the system to get max benefit. So they need to see the transactions.
I would guess that failure to supply would lead to UC being sanctioned.

https://www.understandinguniversalcredit.gov.uk/already-claimed/sanctions/

HillStreetBlues

born_again said:

You are missing the point I was making.
If the OP is paying out money each month to keep capital under £6K. Then they can question it.

This is all part of the checks to make sure that people are not gaming the system to get max benefit. So they need to see the transactions.
I would guess that failure to supply would lead to UC being sanctioned.

https://www.understandinguniversalcredit.gov.uk/already-claimed/sanctions/

They can question it but they they can't do anything about it.
For example if a person had £10k  and give £9k away it would be treated as having DoC of £4k (difference between £6k & £10k) and deductions based on that. That person might well have had £11k next AP but the DoC would still be based on £10k  as it can't look at what might happen.
For DoC you must actually have the capital over £6k (or be entitled to it)