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UC and if you go over 16k?

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  • Spoonie_Turtle
    Spoonie_Turtle Posts: 10,342 Forumite
    10,000 Posts Fifth Anniversary Name Dropper
    blackstar said:
    blackstar said:
    BORN again thanks for the advice.

    Spoonie, thanks for your advice and yes I will take a screenshot next time. There is a box for welfare support payments whixh I belive are disregarded for 12 months. Last month we put in our child's direct payments ie Self Directed Support and that amount was then deducted from our capital at the end of the declaration. Rather than it just simply being ignored as it should have been. So had to start all over again. 
    Ohhhhh in that case I may have made a mistake with mine.  Oh dear.  They really don't make it clear or simple!  (And still waiting for a formal decision on mine that they've not calculated correctly, but at least for me it's a dispute about the £6k threshold and not the £16k threshold affecting overall eligibility.)
    Ohh I hope you haven't made a mistake with yours.
    I was shocked when it deducted the welfare support payments from our overall capital rather than just disregarding it as capital? Makes no sense at all??? Plus Direct payment ie SDS in Scotland is not a welfare support payment either its totally different but that was the closest category so had to change it and just declare it as the advisor told me to do in the journal. 
    Yes glad you are just debating the 6k aspect and not a over 16k affecting overall eligibility...we are 10k below the 16k but if you add on the direct payment for our disabled child it takes us over 16k, even though this money is not technically ours, it can only be used for specific things the council have approved to meet our childs disability and controlled by the council and any underspend is automatically recouped by the council, they control the allpay account but the advisor on Uc journal told us we have to still declare it as its money we have access too...
    There's not even a mechanism not to, is there, as it says to enter all the amounts in all the bank accounts - and to me that implies if you enter something that doesn't match when they ask for statements, you're still going to have a fight on your hands.

    Really badly designed, terrible process.  The option to put disregarded amounts per that screen with the list of boxes is a step forward, but it's not as helpful as I had imagined it would be when I heard they'd brought it in.

    [I honestly despair for people who don't know there's a difference between income and capital, or that certain payments are disregarded.  And I dread to think how much money DWP is wrongly deducting from people.]
  • peteuk
    peteuk Posts: 1,999 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    blackstar said:
    Thanks all.
    .
    Trouble is, does this mean the same thing will happen everytime my savings are more or less than £250 difference at the end of each AP? 

    If your over £16K then you dont need to worry.  As youve stated your over £6K at the least. 

    So once you hit £6K you are ment to declare your capitol, as for each £250 or part of, over the £6K your UC is reduced by £4.35.  If you have £6.5K then thats a reduction of £8.70.

    You are then meat to declare if you go above this or if you drop to £6,250. As either will change the deduction. 

    Just a reminder for others that any wage or benefits received in the AP is not counted as capitol until the end of the following AP.

    Proud to have dealt with our debts
    Starting debt 2005 £65.7K.
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