UC review if you have an appointee

poppy12345

As you may remember my daughter claims UC and PIP and I'm her appointee so all her money is paid into my bank. She does have a bank account of her own, which I transfer her money across after she's paid her bills. Then I help her manage her money that way. I prefer doing this so our money is always separate. Not only that, If something happened to me, she would be without money. 

I know there's many people that have and are going through reviews at the moment. I'm sure it will be my daughter's turn at some point. They usually ask for 4 months of bank statements for this but how will that work? Will they want to see my bank statements?

Obviously the account is in my name and all the transactions are mine, apart from the money from her PIP and UC. I have nothing to hide but that money is mine, not my daughters, can I redact the transactions that don't apply to her?

I appreciate any help given. Thanks. 

lisyloo

Can't offer any experience but if the transactions fully account for her UC & PIP and show your passing it all along then I would have thought it's perfectly ok to redact your transactions and if not I'd want an explanation as to why the need to see anything else.

It might be better though to have a separate account to make it easier.

I have 4 accounts with my bank. One is a joint one for household bills and it really helps to separate the money.                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  

HillStreetBlues

What you need to supply will depend on the people who do the review, reading on here some are totally clueless (not surprising with the DWP).
What they should be looking at is any capital over £6k and also any other payments going in (eg wages, pension etc.) As the PIP & UC money is paid into your account, then I think it would be reasonably to look at all money paid into your account on the basis your daughter could also have other monies paid into your account.  If under the £6k would draw the line at outgoing  and blank them out about except the transfers to your daughter.
I agree with lisyloo  I would have a second account (even with same bank) and have her monies paid into that, then once her bills have been deducted transfer money into your daughters account, and the remained into your main account.

born_again

poppy12345 said:

As you may remember my daughter claims UC and PIP and I'm her appointee so all her money is paid into my bank. She does have a bank account of her own, which I transfer her money across after she's paid her bills. Then I help her manage her money that way. I prefer doing this so our money is always separate. Not only that, If something happened to me, she would be without money. 

I know there's many people that have and are going through reviews at the moment. I'm sure it will be my daughter's turn at some point. They usually ask for 4 months of bank statements for this but how will that work? Will they want to see my bank statements?

Obviously the account is in my name and all the transactions are mine, apart from the money from her PIP and UC. I have nothing to hide but that money is mine, not my daughters, can I redact the transactions that don't apply to her?

I appreciate any help given. Thanks. 

Does she get the full amount she is paid each month, although maybe not in one lump sum?

Agree with others that a separate account is a must to make it very clear exactly where the money is & not mixed up with any of yours.
Could even go as far as a separate joint account, so in the event of anything happening. She would have easier access to her funds. 👍Could simply make sure she does not have a debit card on the account or online access, till you feel the need.

Other option, would UC paid into her account work & pip as it is now? Just to make UC reviews easier?

poppy12345

Thanks everyone. I do have other accounts but they are savings accounts so I don't think it's possible to have money paid into those. We bank with the same bank so it shouldn't be a problem to open another account as a joint claim and actually that's not a bad idea. 

I'm not sure if UC would pay it into her bank as I'm her appointee so it's probably easier to open another account. Neither of us have capital of more than £6,000 so that's not an issue. I don't have anything to hide but it just feels odd them looking though my bank statements for her money. They will see regular transactions of me transferring her money to her a couple of times a month and they match with her payment dates. No other payments go into the account because I don't work or claim any pensions. 

 

NedS

Agree with others above who have suggested a separate bank account in your name to have her benefits paid into, and for you to manage separately from your own finances. As well as making it really transparent, this also affords you a level of privacy if her claim were to be reviewed, as you'd hopefully only need to provide statements for that bank account, not accounts for your own personal spending.

It's very easy to open a second bank account online with any bank you currently bank with. Because you already have an account with them, there's not normally any ID or checks that need to be done, so it is normally a very quick process. Once you have a new account, you can report a change on her UC account to provide the new bank account sort code and account number (do NOT put this in the journal).

TELLIT01

If you bank online you may be able to open an account in your name with title of XXX appointee to YYY.