Universal credit declaring capital

HillStreetBlues

Wendywoo22 said:

HillStreetBlues said:

Wendywoo22 said:

HillStreetBlues said:

It could be a standard review as many people have had one (myself included) all you can do is submit your bank statements.
I would also put in an appeal for incorrect deductions, as you supplied all the information they requestion (eg how much is in your banks accounts) and have given them that correct info, and they have calculated an deduction that isn't right.

Yes it’s just standard review just annoying sent bank statements off 15th November then asked for another link for my PayPal didn’t hear anything back for a few weeks then another agent said sorry for delay the agent who was doing it doesn’t work for the team anymore so she was taking over, I did my PayPal and she messaged confirming receipt and said she would be in touch in my journal or to do with more instruction. Still not heard anything. I wouldn’t mind but it just feels like my claims in one big mess. Deductions not done properly and the fact that I did my Xmas shopping and birthday shopping for my children which deducted my balance although I have been told it shouldn’t matter as I would of been under 5k with benefits taken off received in period (when they thought I had £6300 at the start) I am ASD and an overthinker which doesn’t help either. 

Sadly when it comes some reviews they are handled badly, and some have taken many months to sort out.
There will be many people having incorrect deductions as the DWP ask for money, savings & investments but that isn't the came as capital (as you have found out).
The DWP don't seem to want to correct their error in either of those cases leading to people stressing needlessly.
Well done for reading the DM's manual

Would you go in the local jobcentre armed with statements will they be able to sit and sort with me? I don’t mind altering the last 3 months as I have those statements to hand but anything else I will be messing about going through my online banking. My worry is that it looked like I had dropped below 6k in savings (which I didn’t have that capital to start with) I’m not bothered about getting the money back if bothered about  accurate reporting from now on. 

Personally I wouldn't go to the JC  as some of them aren't well trained and give misleading answers. Any contact I would make is via journal as that means there is a record of it.
If you're not worried about claiming any money back I would declare correct capital at the end of your next AP and leave a note in journal stating that previously you have not been deduction income as capital is lower now that it is being deducted.

huckster

 
No the local Job Centre won't help you as they are not allowed to get involved in review team work. All they would do is take copies of statements and post off to the review team.

In these situations you need to be assertive and tell the review team based on the guidance what capital you held at the end of each assessment period. And provide details in the journal. And you can report change under money savings and investments the capital held on the last day of each assessment period.

Once you have reported capital on the correct basis you can take statements (if not provided already) to the Job Centre so they can post off to the review team.

Wendywoo22

huckster said:

 
No the local Job Centre won't help you as they are not allowed to get involved in review team work. All they would do is take copies of statements and post off to the review team.

In these situations you need to be assertive and tell the review team based on the guidance what capital you held at the end of each assessment period. And provide details in the journal. And you can report change under money savings and investments the capital held on the last day of each assessment period.

Once you have reported capital on the correct basis you can take statements (if not provided already) to the Job Centre so they can post off to the review team.

HillStreetBlues said:

Wendywoo22 said:

HillStreetBlues said:

Wendywoo22 said:

HillStreetBlues said:

It could be a standard review as many people have had one (myself included) all you can do is submit your bank statements.
I would also put in an appeal for incorrect deductions, as you supplied all the information they requestion (eg how much is in your banks accounts) and have given them that correct info, and they have calculated an deduction that isn't right.

Yes it’s just standard review just annoying sent bank statements off 15th November then asked for another link for my PayPal didn’t hear anything back for a few weeks then another agent said sorry for delay the agent who was doing it doesn’t work for the team anymore so she was taking over, I did my PayPal and she messaged confirming receipt and said she would be in touch in my journal or to do with more instruction. Still not heard anything. I wouldn’t mind but it just feels like my claims in one big mess. Deductions not done properly and the fact that I did my Xmas shopping and birthday shopping for my children which deducted my balance although I have been told it shouldn’t matter as I would of been under 5k with benefits taken off received in period (when they thought I had £6300 at the start) I am ASD and an overthinker which doesn’t help either. 

Sadly when it comes some reviews they are handled badly, and some have taken many months to sort out.
There will be many people having incorrect deductions as the DWP ask for money, savings & investments but that isn't the came as capital (as you have found out).
The DWP don't seem to want to correct their error in either of those cases leading to people stressing needlessly.
Well done for reading the DM's manual

Would you go in the local jobcentre armed with statements will they be able to sit and sort with me? I don’t mind altering the last 3 months as I have those statements to hand but anything else I will be messing about going through my online banking. My worry is that it looked like I had dropped below 6k in savings (which I didn’t have that capital to start with) I’m not bothered about getting the money back if bothered about  accurate reporting from now on. 

Personally I wouldn't go to the JC  as some of them aren't well trained and give misleading answers. Any contact I would make is via journal as that means there is a record of it.
If you're not worried about claiming any money back I would declare correct capital at the end of your next AP and leave a note in journal stating that previously you have not been deduction income as capital is lower now that it is being deducted.

HillStreetBlues said:

Wendywoo22 said:

HillStreetBlues said:

Wendywoo22 said:

HillStreetBlues said:

It could be a standard review as many people have had one (myself included) all you can do is submit your bank statements.
I would also put in an appeal for incorrect deductions, as you supplied all the information they requestion (eg how much is in your banks accounts) and have given them that correct info, and they have calculated an deduction that isn't right.

Yes it’s just standard review just annoying sent bank statements off 15th November then asked for another link for my PayPal didn’t hear anything back for a few weeks then another agent said sorry for delay the agent who was doing it doesn’t work for the team anymore so she was taking over, I did my PayPal and she messaged confirming receipt and said she would be in touch in my journal or to do with more instruction. Still not heard anything. I wouldn’t mind but it just feels like my claims in one big mess. Deductions not done properly and the fact that I did my Xmas shopping and birthday shopping for my children which deducted my balance although I have been told it shouldn’t matter as I would of been under 5k with benefits taken off received in period (when they thought I had £6300 at the start) I am ASD and an overthinker which doesn’t help either. 

Sadly when it comes some reviews they are handled badly, and some have taken many months to sort out.
There will be many people having incorrect deductions as the DWP ask for money, savings & investments but that isn't the came as capital (as you have found out).
The DWP don't seem to want to correct their error in either of those cases leading to people stressing needlessly.
Well done for reading the DM's manual

Would you go in the local jobcentre armed with statements will they be able to sit and sort with me? I don’t mind altering the last 3 months as I have those statements to hand but anything else I will be messing about going through my online banking. My worry is that it looked like I had dropped below 6k in savings (which I didn’t have that capital to start with) I’m not bothered about getting the money back if bothered about  accurate reporting from now on. 

Personally I wouldn't go to the JC  as some of them aren't well trained and give misleading answers. Any contact I would make is via journal as that means there is a record of it.
If you're not worried about claiming any money back I would declare correct capital at the end of your next AP and leave a note in journal stating that previously you have not been deduction income as capital is lower now that it is being deducted.

I wrote this in my journal earlier 

Hi, I have had it bought to my attention by the jobcentre when I went in to show my daughters backdated DLA which needs disregarding for a year that I have been overdeclaring my savings every month, as I have been including benefits that have been received in the same month. But I have now been advised, that legally benefits do not become savings until the end of the following assessment period and that’s only if there is anything left from them. I have looked online and seen ADM Chapter H1: "H1050 Income becomes capital if it has not been spent by the end of the assessment period after the one in which it was received’’ all I have been doing at the end of assesment periods is adding my bank account balances from both my accounts together and giving the figure as capital which isn’t the correct thing to do as I should of been disregarding benefit payments from that assesment period from my total bank balance.

Wendywoo22

huckster said:

 
No the local Job Centre won't help you as they are not allowed to get involved in review team work. All they would do is take copies of statements and post off to the review team.

In these situations you need to be assertive and tell the review team based on the guidance what capital you held at the end of each assessment period. And provide details in the journal. And you can report change under money savings and investments the capital held on the last day of each assessment period.

Once you have reported capital on the correct basis you can take statements (if not provided already) to the Job Centre so they can post off to the review team.

Iv been sat here worrying about the ‘savings’ going down from £6300 to £5200 and purchasing my children’s presents out of my money and not been able to enjoy Christmas worrying but means they’ve been added up wrong they’re half the above amount and we’re never over 6k. I thought they were going to try and question me on review but they have no right to ask me where my money has been spent now as I have way under £6000 in ‘savings’ ‘capital’ 

Wendywoo22

3rd time lucky .. does this calculation look correct ? If so I’m going to tell them the last 3 months via the journal then tell them like below on the journal at the end of the AP how I have got to my total ‘capital’ deducting all benefits recieved in that month 1st-31st assesment period 

RBS- £802.82 barclays £6312.12

£802.82+£6312.12‎ = £7,114.94

Recieved 

1st December- child maintenance- £537.46

2nd December- £242.20 child benefit

2nd  December - £451.60 DLA

5th DEcember £2023.16 - UC

8th December £343.20 carers 

16th December £412.40 DLA 

£537.46+£242.20+£451.60+£2023.16+£343.20+£412.40‎ = £4,010.02

£7,114.94-£4,010,02= £3104.92 

Also have a disregard for backdated DLA £937.90 (19th November)  

KxMx

Wendywoo22 said:

huckster said:

 
No the local Job Centre won't help you as they are not allowed to get involved in review team work. All they would do is take copies of statements and post off to the review team.

In these situations you need to be assertive and tell the review team based on the guidance what capital you held at the end of each assessment period. And provide details in the journal. And you can report change under money savings and investments the capital held on the last day of each assessment period.

Once you have reported capital on the correct basis you can take statements (if not provided already) to the Job Centre so they can post off to the review team.

Iv been sat here worrying about the ‘savings’ going down from £6300 to £5200 and purchasing my children’s presents out of my money and not been able to enjoy Christmas worrying but means they’ve been added up wrong they’re half the above amount and we’re never over 6k. I thought they were going to try and question me on review but they have no right to ask me where my money has been spent now as I have way under £6000 in ‘savings’ ‘capital’ 

Unfortunately you are mistaken, many of us with under £6k are questioned about our spending.
Deliberate deprevation of capital is one of the things they look for during these reviews. Regardless of how much money you have. 

Muttleythefrog

Wendywoo22 said:

huckster said:

 
No the local Job Centre won't help you as they are not allowed to get involved in review team work. All they would do is take copies of statements and post off to the review team.

In these situations you need to be assertive and tell the review team based on the guidance what capital you held at the end of each assessment period. And provide details in the journal. And you can report change under money savings and investments the capital held on the last day of each assessment period.

Once you have reported capital on the correct basis you can take statements (if not provided already) to the Job Centre so they can post off to the review team.

Iv been sat here worrying about the ‘savings’ going down from £6300 to £5200 and purchasing my children’s presents out of my money and not been able to enjoy Christmas worrying but means they’ve been added up wrong they’re half the above amount and we’re never over 6k. I thought they were going to try and question me on review but they have no right to ask me where my money has been spent now as I have way under £6000 in ‘savings’ ‘capital’ 

As above... during a typical standard review they seem to try to ask about a couple or few transactional questions. Some suggestion that if they struggle to find any obvious ones like regarding large cash deposits or large sums sent to other people then they default to quite mundane and sometimes silly queries like 'what is this payment to Thames Water for'... I think someone reported them asking about even a transfer of less than a couple of pounds to what had been their friend and they could not recall the precise circumstances until later they established they'd sent the money to the friend as refund for buying them some basic grocery item at a convenience store saving a trip. But expect questions... they do have a right to ask and cannot assume you've always had less than £6k capital - my understanding is they are finding significant numbers who do have undeclared capital and a good place for evidence of that is threads on MSE over the last couple of years where people have often 'realised their errors, poor memory or oversights'. Given that's not the case here just play along with any review and get it over with ASAP I would suggest. My advice also would be to look through the transactions in statements provided and just have in mind for the call the answers for any obvious ones they may ask about.