Mortgage overpayment and UC

superM

H,  I just wondering I am on UC working full time.  How much will be allowed to make a mortgage overpayment? 

I don’t have any savings. 

Thanks 

huckster

That would be your choice based on your financial ability to do this. Is not an issue for UC.

superM

huckster said:

That would be your choice based on your financial ability to do this. Is not an issue for UC.

Thanks for your reply.  I have been reading on other forums and I am not sure. They are linking it to Deprivation of Capital. 

Please see https://www.reddit.com/r/DWPhelp/comments/16z5lnt/overpaying_mortgage_while_recieving_universal/

Also 
https://commonslibrary.parliament.uk/how-savings-can-affect-benefits/

I hope you or someone can advise please.   

Thanks 

born_again

superM said:

H,  I just wondering I am on UC working full time.  How much will be allowed to make a mortgage overpayment? 

I don’t have any savings. 

Thanks 

Given UC is based on income & what you can claim & any overpayments would be after your earnings have been reported to DWP, then you are free to spend what money you have left.
So as @huckster has said.
Not a UC issue, more a issue of what you can afford.
Although you would be better building up some savings, as a emergency fund. Remember that below £6k you do not have any deductions. 
Especially as you have a dependent child.

peteuk

Paying off debt is not seen as DoC.

As previously stated UC is calculated on the amount paid during the assessment period.  What is left of that then becomes capital the following assessment period.

If you have less than £6K then you don’t have to report any capital.  But I would agree you need some savings just in case….

andrewmp

The issue here is many people, including some DWP employees, confuse the old legacy benefit rules with the UC regulations which specifically state that repayment is not deprivation of capital. 

The moderator on there was mistaken. I believe he/she now realises this and has stopped giving bad advice. Sadly old posts remain there for searches.

Here is a more recent post where she gives the correct advice: 

https://www.reddit.com/r/DWPhelp/s/xPKzAVgDrB