Worried

Spoonie_Turtle

Baldytyke88 said:

AI Overview

For Universal Credit, savings are considered as "capital" and affect your monthly payment if they exceed £6,000. If your total capital is £16,000 or more, you are generally not entitled to receive Universal Credit. However, if you've been receiving Tax Credits and have over £16,000 in savings, you may still be eligible for Universal Credit for up to a year

For future reference, it's not a good idea to rely on AI overview because it can be completely wrong.  In this instance it's not, but for someone looking for an answer it's a bit paradoxical because the only way they can know if it's correct or not, is if they already know the answer.

TimeLord1

Frank69 said:

Yes I’m being told this
go for walks or watch tv

Drink tea! TV is mostly depressing, music or radio.

elsien

Frank69 said:

I’m just confused and worried at this stage
what wrong I’ve done and the consequences
Jail?

No. Won't be happening. Firstly because if you deal with it by contacting them now then it is extremely unlikely you will be prosecuted. And in the even more unlikely event that you  are prosecuted, you still have to be convicted and then the sentencing guidelines say 

• for a less serious offence, for example making false representation to obtain benefits, penalties can range from discharge to a lower-level fine

I am only putting that out there because you seem to be overthinking it at this stage, not because I think it will happen. 

itsthelittlethings

Don’t be silly, that’s not fraud!

itsthelittlethings

It’s just carelessness which is not illegal in the DWP eyes but is for driving etc.

TELLIT01

As others have said, you won't go to prison.  You will have to repay all the overpayments and there may be a fine on top.  I'm not sure if fines are still imposed as it's a few years since I worked on Benefits.

elsien

Spoonie_Turtle said:

Baldytyke88 said:

AI Overview

For Universal Credit, savings are considered as "capital" and affect your monthly payment if they exceed £6,000. If your total capital is £16,000 or more, you are generally not entitled to receive Universal Credit. However, if you've been receiving Tax Credits and have over £16,000 in savings, you may still be eligible for Universal Credit for up to a year

For future reference, it's not a good idea to rely on AI overview because it can be completely wrong.  In this instance it's not, but for someone looking for an answer it's a bit paradoxical because the only way they can know if it's correct or not, is if they already know the answer.

Yes, I agree. I've had a few wrong answers from it, because it just doesn't take complexity or individual circumstances into account. And it regurgitates information rather than understanding and applying it, not always in the correct context. 

Frank69

I think because I submitted unaware I had no savings I’d my biggest worry
looking back at my journal statements every month it shows I said £0.00 savings
so they never asked for bank statements when I first applied or I’d have shown savings?
im spending all day trying to find out online how they view this 
I think since 2022 I’ve received over £10k
im willing to pay every penny back and really hope that’s the matter closed with no further legal action

KxMx

When you first applied, unless you had & declared over £6k you wouldn't have been asked for bank statements.

I advised you on another forum how to obtain a copy of your original application declaration for savings. 

Frank69

I’m just very worried