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<url><loc>https://forums.moneysavingexpert.com/discussion/5954211/i-have-savings-should-i-swap-from-child-tax-credit-to-uc</loc><lastmod>2019-01-22T21:05:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954217/cab-busy</loc><lastmod>2019-01-22T20:48:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954208/started-a-new-job-and-got-a-letter-from-council-help</loc><lastmod>2019-01-22T19:13:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954186/telephone-compliance-interview</loc><lastmod>2019-01-22T19:07:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893095/warm-home-discount-and-moving-suppliers</loc><lastmod>2019-01-22T15:55:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930125/receipt-of-esa-50</loc><lastmod>2019-01-22T11:17:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953836/caer-allowance</loc><lastmod>2019-01-22T07:32:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5942464/severe-disability-premium-complicated-scenario</loc><lastmod>2019-01-22T01:09:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953769/workplace-sip-and-selling-before-3-years-5-years</loc><lastmod>2019-01-21T20:10:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953754/coming-off-jobseekers-and-going-into-work</loc><lastmod>2019-01-21T19:57:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5722740/new-style-jsa-or-uc</loc><lastmod>2019-01-21T18:44:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953483/prescription-charges-over-18-full-time-education</loc><lastmod>2019-01-21T17:25:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5642602/do-non-dependants-affect-child-tax-credits</loc><lastmod>2019-01-21T16:41:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952780/need-advice-for-my-father-with-esa-and-state-pension</loc><lastmod>2019-01-21T10:30:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953336/urgent-help-needed-unenforceable-contract</loc><lastmod>2019-01-21T07:34:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951055/pension-credit-cut-sneaked-in</loc><lastmod>2019-07-12T22:09:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953217/bank-transfer-affect-hb</loc><lastmod>2019-01-20T18:36:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951920/veterans-benefit-awards-afip-gip</loc><lastmod>2019-01-20T13:26:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952981/esa-rates</loc><lastmod>2019-01-20T13:21:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894907/dwp-data-breach</loc><lastmod>2019-01-20T10:09:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952549/on-uc-going-for-a-working-capability-assessment</loc><lastmod>2019-01-20T09:21:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953032/uc-switch-coming-up-from-is</loc><lastmod>2019-01-20T09:20:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952171/disability-fraud</loc><lastmod>2019-01-20T09:11:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952954/housing-benefits-help</loc><lastmod>2019-01-20T08:40:03+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5952903/benefits-and-wages-same-bank</loc><lastmod>2019-01-20T00:18:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952904/benefits-if-living-with-parents</loc><lastmod>2019-01-19T23:19:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952797/benefits-funded-by-nic</loc><lastmod>2019-01-19T19:50:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952901/esa-joint-claim</loc><lastmod>2019-01-19T18:11:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952534/esa-backdating-if-they-told-me-wrongly-i-couldn-t-claim-it</loc><lastmod>2019-01-19T17:14:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952838/self-assesment-tax-returns</loc><lastmod>2019-01-19T15:22:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950413/employer-paying-for-nci</loc><lastmod>2019-01-19T13:29:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952444/should-ex-husband-stop-paying</loc><lastmod>2019-01-19T11:00:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940366/need-help-with-esa-and-possibly-moving-to-universal-credit-with-change-of-address</loc><lastmod>2019-01-18T22:39:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952525/tax-credit-online-changes-problem</loc><lastmod>2019-01-18T22:15:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951492/universal-credit-child-benefit-child-tax-credit</loc><lastmod>2019-01-18T21:06:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951923/recent-widower-universal-credit</loc><lastmod>2019-01-18T17:21:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952213/help-with-employer</loc><lastmod>2019-01-18T13:47:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952094/social-services-care-at-home-savings-limits</loc><lastmod>2019-01-18T12:17:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943656/esa-review-due-but-how-long-to-hear-back</loc><lastmod>2019-01-18T09:42:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951916/sdp</loc><lastmod>2019-01-17T23:20:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952057/confused-re-pip</loc><lastmod>2019-01-17T22:06:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951874/how-to-claim-past-tax-refunds</loc><lastmod>2019-01-17T21:55:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951967/universal-credit-family-of-3</loc><lastmod>2019-01-17T18:56:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951937/advice-about-esa</loc><lastmod>2019-01-17T18:10:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951513/childrens-savings</loc><lastmod>2019-01-17T16:38:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951487/when-to-inform-tax-credits-of-pension-starting</loc><lastmod>2019-01-17T16:37:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951857/jsa-granted-but-has-more-than-halved</loc><lastmod>2019-01-17T15:00:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5875209/pip-and-moving</loc><lastmod>2019-01-17T13:56:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951842/tax-free-childcare-vs-vouchers</loc><lastmod>2019-01-17T11:48:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951452/pip-and-hb</loc><lastmod>2019-01-16T16:25:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951441/free-dental-costs</loc><lastmod>2019-01-16T15:30:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951004/wil-dwp-claim-it-back</loc><lastmod>2019-01-16T14:55:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950513/gf-moving-in-mandatory-change-to-universal-credit</loc><lastmod>2019-01-16T14:21:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951306/mortgage-interest-support-loan</loc><lastmod>2019-01-16T14:17:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951291/unused-income-tax-allowances</loc><lastmod>2019-01-16T10:26:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951274/moving-from-a-universal-credit-area-to-a-non-universal-credit-area</loc><lastmod>2019-01-16T09:23:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950803/contributions-based-jsa-claim</loc><lastmod>2019-01-16T08:49:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951121/child-tax-credit</loc><lastmod>2019-01-15T20:16:49+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5950991/how-much-esa</loc><lastmod>2019-01-15T19:00:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5948575/universal-credit-systematic-injustice</loc><lastmod>2019-01-15T18:14:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950406/credit-card-and-loan-of-85yr-old-in-care-home</loc><lastmod>2019-01-15T18:05:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950878/tax-credits-underpayment-or-not</loc><lastmod>2019-01-15T16:50:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906881/do-we-qualify-for-esa</loc><lastmod>2019-01-15T12:59:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5725351/spousal-maintenance-effecting-benefits</loc><lastmod>2019-01-15T11:19:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950617/esa-uc-when-moving-home</loc><lastmod>2019-01-15T06:53:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950481/good-news-for-those-receiving-the-sdp</loc><lastmod>2019-01-14T20:07:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5711483/esa-claiming-carers-allowance-for-2-people</loc><lastmod>2019-01-14T19:53:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950516/esa-113</loc><lastmod>2019-01-14T19:27:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950477/tax-credit-repayment-under-uc</loc><lastmod>2019-01-14T19:21:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5918954/disabled-student-universal-credit</loc><lastmod>2019-01-14T17:18:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950372/esa-abroad</loc><lastmod>2019-01-14T16:30:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950120/disabled-mother-being-forced-to-work</loc><lastmod>2019-01-14T13:06:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950018/national-insurance-record-gap-incorrect</loc><lastmod>2019-01-14T06:35:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5949670/conflicting-uc-advice-from-dwp</loc><lastmod>2019-01-14T06:22:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950107/what-constitutes-a-change-for-wtc</loc><lastmod>2019-01-13T20:13:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5949983/esa-going-onto-universal-credit</loc><lastmod>2019-01-13T18:25:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5949961/tax-credit-renewal-advise</loc><lastmod>2019-01-13T18:08:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5824283/tax-credits-and-declaring-rental-income</loc><lastmod>2019-01-13T13:43:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5948502/proof-of-past-benefits</loc><lastmod>2019-01-13T11:50:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5949889/help-with-tax-credits-amounts</loc><lastmod>2019-01-13T09:45:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5949497/universal-credit-a-positive-experience</loc><lastmod>2019-01-13T09:41:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5949325/universal-credit</loc><lastmod>2019-01-12T23:27:24+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5937938/f2f-assessment-report-upsetting</loc><lastmod>2019-01-11T19:12:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5949198/child-benefit-application-problem</loc><lastmod>2019-01-11T15:10:03+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5947400/n-h-s-pension</loc><lastmod>2019-01-10T19:35:49+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5948729/process-of-refund-for-underpayment-of-esa-after-being-moved-from-ib-anyone-been-through-this</loc><lastmod>2019-01-10T18:18:57+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5947317/pip-for-depression</loc><lastmod>2019-01-09T21:24:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5948210/child-benefit-if-total-income-is-over-50k</loc><lastmod>2019-01-09T19:15:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5948111/company-has-opted-out-of-basic-sick-pay-what-happens-after-28-weeks</loc><lastmod>2019-01-09T19:14:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947974/selling-previous-marital-home-while-on-benefits</loc><lastmod>2019-01-09T18:59:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947417/children-inherrintance-and-tax-credits</loc><lastmod>2019-01-09T13:22:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947632/do-i-need-to-sign-on-for-national-insurance-purposes-whilst-short-break-between-2-jobs</loc><lastmod>2019-01-09T01:17:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947725/maternity-money</loc><lastmod>2019-01-08T23:20:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947776/cica-payment-benefits-recovery</loc><lastmod>2019-01-09T18:46:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947315/universal-credit-claim-help</loc><lastmod>2019-01-08T18:57:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947114/quitting-work-to-care-for-partner</loc><lastmod>2019-01-08T17:36:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947268/recently-homeless-new-to-uc-what-are-my-options</loc><lastmod>2019-01-08T16:16:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946616/kinship-care-finance-advice-needed</loc><lastmod>2019-01-08T13:01:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947421/carers-allowance</loc><lastmod>2019-01-08T11:42:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5947008/universal-credit-switch-number</loc><lastmod>2019-01-08T10:02:10+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5947278/not-entitled-to-ssp</loc><lastmod>2019-01-07T22:47:43+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5947244/paying-back-existing-budgeting-loans-after-moving-to-universal-credit</loc><lastmod>2019-01-07T20:52:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946926/what-does-functional-history-mean-on-pip-assessor-report</loc><lastmod>2019-01-07T18:31:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5859186/won-pip-appeal</loc><lastmod>2019-01-07T14:44:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946252/hb-and-student-working</loc><lastmod>2019-01-07T12:35:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946966/problem-with-uc-and-joint-tenancy-agreement</loc><lastmod>2019-01-07T12:10:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946435/further-uc-delays</loc><lastmod>2019-01-07T11:22:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946287/universal-credit-query</loc><lastmod>2019-01-07T09:59:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945363/esa-suspended-ltf1-form</loc><lastmod>2019-01-06T21:59:44+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5946706/when-is-the-best-to-apply-for-tax-free-childcare</loc><lastmod>2019-01-06T19:43:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946389/single-mother-help</loc><lastmod>2019-01-06T16:19:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945269/universal-credit-do-sanctions-continue-after-winning-wca</loc><lastmod>2019-01-05T22:58:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946423/how-do-i-pay-money-into-tax-free-childcare-account</loc><lastmod>2019-01-05T22:52:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946024/reducing-study-hours-esa-change</loc><lastmod>2019-01-05T22:10:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5946307/uc-and-new-esa</loc><lastmod>2019-01-05T21:15:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5847180/universal-credit-help-please</loc><lastmod>2019-01-05T19:31:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911864/uc-when-1-person-working</loc><lastmod>2019-01-05T18:51:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943932/father-has-failed-the-habitual-residence-test-twice</loc><lastmod>2019-01-05T16:22:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945877/carer-wages-for-severely-disabled</loc><lastmod>2019-01-04T22:05:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945893/universal-credit-top-up-if-already-working-full-time</loc><lastmod>2019-01-04T21:48:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945873/entitled-to-universal-credit</loc><lastmod>2019-01-04T20:45:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945788/deleted</loc><lastmod>2019-02-22T00:55:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945828/esa-sg-to-uc</loc><lastmod>2019-01-04T19:01:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943154/unexpected-esa-payment</loc><lastmod>2019-01-04T18:10:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944865/esa-to-universal-credit</loc><lastmod>2019-01-04T18:08:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945820/universal-credit-part-time-student</loc><lastmod>2019-01-04T17:21:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945699/universal-credit-responsible-carer-for-young-child</loc><lastmod>2019-01-04T15:56:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945721/sure-maternity-grant</loc><lastmod>2019-01-04T15:25:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945593/declared-not-ready-for-work-but-not-eligible-for-pip</loc><lastmod>2019-01-04T12:49:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945286/ways-to-contact-universal-credit-other-than-by-phone</loc><lastmod>2019-01-04T09:22:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936449/esa3-form</loc><lastmod>2019-01-04T09:14:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945304/child-tax-credit-for-twins</loc><lastmod>2019-01-04T08:03:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944823/how-to-work-out-childcare-costs-fairly</loc><lastmod>2019-01-04T08:02:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945479/pip-appeal-evidence</loc><lastmod>2019-01-04T06:39:44+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5945447/esa-sg-to-uc-lha-rate</loc><lastmod>2019-01-03T23:50:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945423/voluntary-ni-contributions</loc><lastmod>2019-01-03T23:22:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943770/for-those-who-got-paid-a-week-early</loc><lastmod>2019-01-03T22:06:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944671/universal-credit-and-partners-overseas-income</loc><lastmod>2019-01-03T20:11:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945011/budgeting-advance</loc><lastmod>2019-01-03T18:58:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945083/council-tax-exemptions-and-appeals</loc><lastmod>2019-01-03T13:58:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945113/which-benefit-to-apply-for</loc><lastmod>2019-01-03T13:05:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945025/esa-whilst-off-long-term-sick-and-possibility-of-being-finished-ill-health</loc><lastmod>2019-01-03T11:54:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945041/can-my-carer-be-paid-anything-for-looking-after-me</loc><lastmod>2020-05-12T13:55:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944806/universal-credit-question</loc><lastmod>2019-01-03T08:04:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944772/can-i-get-my-housing-benefit-claim-reopened</loc><lastmod>2019-01-03T08:04:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944826/mistake</loc><lastmod>2019-01-08T03:40:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944650/housing-benefit-please-help</loc><lastmod>2019-01-02T22:13:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941963/no-uc-payment-this-month-too-much-deducted</loc><lastmod>2019-01-02T21:43:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944685/initial-uc-appointment</loc><lastmod>2019-01-02T21:04:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944244/looking-for-advice-re-uc</loc><lastmod>2019-01-02T19:32:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944393/small-windfall-dont-want-it-messing-up-my-benefits</loc><lastmod>2019-01-02T19:14:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944524/i-want-to-move-from-esa-to-jsa</loc><lastmod>2019-01-02T17:50:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944694/housing-benefits-question</loc><lastmod>2019-01-02T17:36:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944637/savings-affecting-benefits</loc><lastmod>2019-01-02T16:35:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937220/help-with-high-income-benefit-charge-and-self-assessment</loc><lastmod>2019-01-02T15:56:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944627/oeic-withdrawal</loc><lastmod>2019-01-02T14:35:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944499/uc-single-parent-of-two-young-ones-work-question</loc><lastmod>2019-01-02T13:46:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944500/mandatory-reconsideration-pip-mobility-only</loc><lastmod>2019-01-02T11:35:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944442/not-entitled-to-ssp-employer-difficult-to-contact-reach</loc><lastmod>2019-01-02T10:34:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943942/universal-credit-mandatory-reconsideration</loc><lastmod>2019-01-02T06:21:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944367/paying-back-tax-credit-overpayment</loc><lastmod>2019-01-02T03:29:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5944240/pip-reassessment</loc><lastmod>2019-01-01T23:09:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943985/universal-credit-low-payment</loc><lastmod>2019-01-01T17:04:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5889729/harshness-of-uc</loc><lastmod>2019-01-01T16:45:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943594/pip-declined-due-to-nice-house</loc><lastmod>2019-01-01T08:47:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943925/tax-credit-overpayment</loc><lastmod>2018-12-31T19:35:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943848/universal-credit-help</loc><lastmod>2018-12-31T17:27:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5942651/pip-denied-to-disabled</loc><lastmod>2018-12-31T13:54:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943700/maternity-allowance-self-employed</loc><lastmod>2018-12-31T07:05:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943718/marriage-break-up-on-maternity-leave</loc><lastmod>2018-12-31T06:19:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943709/happy-new-year</loc><lastmod>2018-12-31T04:33:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943188/pip-assessment-failed-or-christmas-payment-issue</loc><lastmod>2018-12-30T23:14:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943431/pension-pay-out-and-benefits</loc><lastmod>2018-12-30T21:11:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943610/esa-claim-date</loc><lastmod>2018-12-30T20:29:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943620/new-style-jsa</loc><lastmod>2018-12-30T17:59:19+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5943472/pension-deductions-for-tc-purposes</loc><lastmod>2018-12-30T08:46:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943419/personal-injury-trust-pit</loc><lastmod>2018-12-29T22:58:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943393/universal-credit-housing-costs-question</loc><lastmod>2018-12-29T19:25:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943066/universal-credit-nightmare</loc><lastmod>2018-12-29T08:40:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5943080/help-with-universal-credit</loc><lastmod>2018-12-28T19:42:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5942561/put-on-non-cumulative-tax-basis-599l-m1</loc><lastmod>2018-12-28T14:01:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5942576/pip-claim</loc><lastmod>2018-12-28T12:35:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5942449/esa-help</loc><lastmod>2018-12-27T19:27:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931860/esa-assessment-please-read</loc><lastmod>2018-12-27T16:31:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941565/leaving-job-with-no-job-to-go-to</loc><lastmod>2018-12-27T09:17:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5938518/universal-credit-work-capability-assessment-soon-what-are-they-like</loc><lastmod>2018-12-27T08:23:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941709/appointeeship</loc><lastmod>2018-12-26T21:27:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940860/impact-of-change-of-circs-on-esa</loc><lastmod>2018-12-26T17:36:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5942031/state-benefit</loc><lastmod>2018-12-25T22:03:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5942210/switch-to-universal-credit</loc><lastmod>2018-12-25T21:59:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5942087/aa-and-hospital</loc><lastmod>2018-12-25T08:33:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5942058/universal-credit-work-capability-assessment-supporting-evidence</loc><lastmod>2018-12-24T22:11:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941974/jobseekers-universal-credit</loc><lastmod>2018-12-24T18:58:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941688/do-i-need-to-register-as-self-employed-for-universal-credit</loc><lastmod>2018-12-24T17:42:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941831/benefits-for-postgraduate-students-with-new-born-child</loc><lastmod>2018-12-24T07:13:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941719/merry-christmas</loc><lastmod>2018-12-23T19:07:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941595/dwp-claiming-from-estate</loc><lastmod>2018-12-23T10:14:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941440/inheritance-and-benefits</loc><lastmod>2018-12-22T22:11:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941512/as-separation-and-benefits-help</loc><lastmod>2018-12-22T18:07:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940750/esa-question</loc><lastmod>2018-12-22T16:44:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940312/pip-tribunal-how-should-i-prepare</loc><lastmod>2018-12-22T11:56:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5941318/housing-benefit-appeal</loc><lastmod>2018-12-22T10:27:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940885/dwp-flexible-support-fund</loc><lastmod>2018-12-21T19:25:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940807/health-assessor-had-lied-and-omitted-information-and-medical-conditions-on-my-wca</loc><lastmod>2018-12-21T16:33:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5862014/urgent-moving-area-from-esa-support-group-to-uc-postcode</loc><lastmod>2018-12-21T16:21:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5915621/cb-esa-and-personal-pension-income</loc><lastmod>2018-12-21T11:32:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925128/jury-duty-loss-of-earnings</loc><lastmod>2018-12-21T09:35:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940877/uc-gateway-interview</loc><lastmod>2018-12-20T22:04:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940781/dla-care</loc><lastmod>2018-12-20T19:58:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940397/10-xmas-bonus</loc><lastmod>2018-12-20T19:32:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940811/universal-credit-query</loc><lastmod>2018-12-20T19:07:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937474/esa-pip</loc><lastmod>2018-12-20T16:45:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940657/cont-jsa-to-income-based-jsa</loc><lastmod>2018-12-20T12:15:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939210/xmas-2018-payment-dates</loc><lastmod>2018-12-20T10:00:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940003/gambling-addiction-benefit-allowance</loc><lastmod>2018-12-20T05:10:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940367/uniform-allowance-and-earning-less-than-personal-allowance</loc><lastmod>2018-12-19T22:46:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936596/universal-credit-and-inclusive-bills-in-rent</loc><lastmod>2018-12-19T22:37:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940311/can-i-claim-p-i-p-for-not-being-able-to-talk-and-taking-ages-to-eat</loc><lastmod>2018-12-19T22:34:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940202/carer-allowance-elegible-expenses-and-free-childcare</loc><lastmod>2018-12-19T19:21:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940287/child-benifit-opt-out-didnt-happen</loc><lastmod>2018-12-19T18:59:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940077/uc-claiming-business-expenses</loc><lastmod>2018-12-19T18:54:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5588102/on-jsa-and-had-a-letter-about-a-benefit-claim-review-anyone-had-one</loc><lastmod>2018-12-19T18:06:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940214/winter-fuel-payment-madness</loc><lastmod>2018-12-19T13:45:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5940048/only-fit-enough-to-work-8-hours-per-week-uc-esa</loc><lastmod>2018-12-18T19:08:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939126/help-im-panicking</loc><lastmod>2018-12-18T18:48:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939959/will-wtc-trigger-transition-to-uc</loc><lastmod>2018-12-18T15:05:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5608519/new-pip-rules</loc><lastmod>2018-12-18T13:32:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939301/please-help-urgent-advice-needed</loc><lastmod>2018-12-18T08:31:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939293/vouchers-to-buy-furniture</loc><lastmod>2018-12-17T22:50:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939241/stay-on-universal-credit-or-tell-them-i-am-sick</loc><lastmod>2018-12-17T14:07:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939194/trigger-for-uc</loc><lastmod>2018-12-17T11:05:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939211/childcare-costs-element-of-working-tax-credits</loc><lastmod>2018-12-17T10:12:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939162/pension-credit-and-attendance-allowance</loc><lastmod>2018-12-16T22:57:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5938859/esa-ended-left-in-the-cold</loc><lastmod>2018-12-16T22:44:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5938581/capability-for-work-autism</loc><lastmod>2018-12-16T20:48:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939196/looking-for-a-site-about-pip</loc><lastmod>2018-12-16T19:18:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928005/casework</loc><lastmod>2018-12-16T19:16:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912534/most-efficient-correct-way-to-use-tax-free-childcare</loc><lastmod>2018-12-16T18:32:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5938563/help-trying-to-remove-house-to-pay-for-carehome-fees</loc><lastmod>2018-12-16T17:19:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937162/esa-full-time-student-help</loc><lastmod>2018-12-16T16:55:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5939119/will-i-be-moved-to-uc</loc><lastmod>2018-12-16T13:41:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5938924/effect-on-esa-of-pension-capital</loc><lastmod>2018-12-16T08:03:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5938958/carers-allowance-payment-for-christmas-day</loc><lastmod>2018-12-16T06:49:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5938485/esa-discretionary-trust</loc><lastmod>2018-12-15T21:02:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936650/cancelled-uc-claim-because-of-house-sale</loc><lastmod>2018-12-15T19:15:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937564/moving-to-uc</loc><lastmod>2018-12-15T18:30:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937336/effect-of-pay-rise-on-benefits</loc><lastmod>2018-12-15T17:50:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5938460/tax-credits-and-housing-benefit</loc><lastmod>2018-12-15T05:48:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5938459/tax-credits-with-the-working-tax-credits-element-taking-ages</loc><lastmod>2018-12-14T21:13:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937851/housing-benefit-and-profit-loss</loc><lastmod>2018-12-13T13:47:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937615/reported-uc-overpayment-a-year-ago-nothing-happened</loc><lastmod>2018-12-13T05:49:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937683/x</loc><lastmod>2018-12-12T22:20:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937556/pip-claim</loc><lastmod>2018-12-12T21:39:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5736623/universal-credit-paying-significantly-less-than-tax-credits-is-this-right</loc><lastmod>2018-12-12T18:20:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937338/will-this-esa-be-backdated</loc><lastmod>2018-12-12T07:06:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5844794/pip-assessment-notice-period</loc><lastmod>2018-12-12T06:19:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937163/benefits-help</loc><lastmod>2018-12-11T23:15:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935474/esa-overpayment-dwp-misconduct</loc><lastmod>2018-12-11T23:08:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937068/hmrc-trading-allowance</loc><lastmod>2018-12-11T22:21:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936252/universal-credit</loc><lastmod>2018-12-11T21:00:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935482/housing-benefits-help-after-death</loc><lastmod>2018-12-11T20:19:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937053/remo-application-help</loc><lastmod>2018-12-11T20:15:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5865559/universal-credit-switch-from-live-to-full-service</loc><lastmod>2018-12-11T20:12:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936774/terminal-illness-future-benefits</loc><lastmod>2018-12-11T19:57:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934070/self-employed-no-income-to-start</loc><lastmod>2018-12-11T19:26:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5937119/housing-benefits-and-council-tax-reduction-is-this-correct</loc><lastmod>2018-12-11T18:29:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928830/council-tax-summons-ive-paid-it-help</loc><lastmod>2018-12-11T17:38:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936718/tax-credits-does-anyone-know</loc><lastmod>2018-12-11T17:16:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936966/claiming-dla-for-the-first-time</loc><lastmod>2018-12-11T15:05:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936625/pip-mandatory-reconsideration</loc><lastmod>2018-12-11T14:13:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936433/owe-tax-for-undeclared-savings</loc><lastmod>2018-12-10T21:57:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936707/reducing-working-hours-uc</loc><lastmod>2018-12-10T21:42:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936680/earning-receive-gift-on-esa-that-doesnt-need-declaring</loc><lastmod>2018-12-10T19:13:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936472/pip-tribunal-sending-further-evidence-need-address</loc><lastmod>2018-12-10T17:25:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936521/esa3-form-any-idea-how-to-calculate-how-much-i-m-owed</loc><lastmod>2018-12-10T16:13:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936424/tax-credits-over-payment-debt-collectors</loc><lastmod>2018-12-10T15:19:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936470/blasted-universal-credit</loc><lastmod>2018-12-10T13:03:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5936435/re-booking-wca-assessment</loc><lastmod>2018-12-10T11:05:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935751/dwp-claim-against-estate</loc><lastmod>2018-12-10T08:12:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935370/getting-on-housing-register-as-a-medical-priority</loc><lastmod>2018-12-09T19:09:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935887/pip-small-error-on-awarded-points</loc><lastmod>2018-12-09T17:46:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935924/starting-childcare-tax-credit-help-needed</loc><lastmod>2018-12-09T12:41:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934006/hb-pension-credit-and-non-dependents</loc><lastmod>2018-12-09T10:55:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935293/universal-credit-not-paying-my-housing</loc><lastmod>2018-12-09T09:21:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935325/historical-benefit-fraud</loc><lastmod>2018-12-08T20:02:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935699/looking-after-friends-young-child</loc><lastmod>2018-12-08T15:49:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933535/separating-and-finances</loc><lastmod>2018-12-08T00:13:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934984/running-out-of-ideas</loc><lastmod>2018-12-07T22:41:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935455/specified-adult-childcare-credits</loc><lastmod>2018-12-07T19:35:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935439/voluntary-redundancy-and-jsa</loc><lastmod>2018-12-07T19:16:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935037/universal-credit-and-owning-your-own-home</loc><lastmod>2018-12-07T14:43:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935183/free-road-tax-restrictions</loc><lastmod>2018-12-07T13:24:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5935204/understanding-esa-payments</loc><lastmod>2018-12-07T10:00:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928044/rent-increase</loc><lastmod>2018-12-07T09:32:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5932208/pip-assessment-anyone-had-similar-experience</loc><lastmod>2018-12-07T01:38:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933386/eu-national-universal-credit-rejected</loc><lastmod>2018-12-06T23:06:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934710/universal-credit-deductions-leaving-me-with-zero-to-survive-for-the-whole-of-december</loc><lastmod>2018-12-06T17:31:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5932177/received-10-christmas-bonus</loc><lastmod>2018-12-06T15:26:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934603/10-xmas-bonus-not-being-paid</loc><lastmod>2018-12-06T12:14:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934450/what-was-your-experience</loc><lastmod>2018-12-05T20:16:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927469/uc-or-joint-iresa</loc><lastmod>2018-12-05T17:41:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933451/uc-and-rental-income-what-to-declare</loc><lastmod>2018-12-05T16:15:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933913/dwp-asking-how-i-spent-daughters-dla</loc><lastmod>2018-12-05T16:07:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934431/esa-to-self-employed</loc><lastmod>2018-12-05T15:16:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934219/universal-credit-housing-element-close-relative-renting</loc><lastmod>2019-12-22T09:07:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934360/equity-and-jsa-benefit</loc><lastmod>2018-12-05T13:02:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934173/nhs-bsa-penalty-charge-notice-can-they-be-overturned-if-i-am-on-jsa</loc><lastmod>2018-12-05T12:48:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933372/will-i-be-migrated-from-esa-support-group-to-uc</loc><lastmod>2018-12-05T00:55:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934143/made-590-for-the-month-on-self-employment-wages-not-getting-universal-credit-payment</loc><lastmod>2018-12-04T23:23:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934093/confused</loc><lastmod>2018-12-04T22:50:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5932956/help</loc><lastmod>2018-12-04T22:48:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934138/hi-im-gonna-scream</loc><lastmod>2018-12-04T22:36:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5934046/deprivation-of-capital-universal-credit</loc><lastmod>2018-12-04T19:53:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933427/claimant-commitment</loc><lastmod>2018-12-04T19:10:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923774/advice-needed-benefits-and-none-dependant-working</loc><lastmod>2018-12-04T19:09:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933449/backdated-severe-disability-premium</loc><lastmod>2018-12-04T17:09:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933518/benefits-domestic-violence-pregnant</loc><lastmod>2018-12-04T15:10:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933910/self-employed-with-fluctuating-income-and-universal-credit</loc><lastmod>2018-12-04T14:16:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933885/savings-while-on-benefits</loc><lastmod>2018-12-04T13:42:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933848/support-for-mortgage-interest</loc><lastmod>2018-12-04T13:29:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5916428/ib-esa-reassessment</loc><lastmod>2018-12-04T12:31:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933287/pip-confusion-review-or-renew-form-am-i-entitled</loc><lastmod>2018-12-03T23:01:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933125/if-i-leave-my-job-can-i-claim-help-please</loc><lastmod>2018-12-03T22:22:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929786/remove-appointee-now-or-wait-until-pip-forms-arrive</loc><lastmod>2018-12-03T21:58:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933429/finding-permitted-work</loc><lastmod>2018-12-03T20:32:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933339/christmas-child-benefit-payments</loc><lastmod>2018-12-03T17:58:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933623/help</loc><lastmod>2018-12-03T17:12:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5933061/jisa-and-deprivation-of-capital</loc><lastmod>2018-12-03T17:01:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5932810/deprivation-of-capital</loc><lastmod>2018-12-03T14:51:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5932773/working-tax-credits-living-with-parents</loc><lastmod>2018-12-02T19:55:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5932833/esa-permitted-work</loc><lastmod>2018-12-02T19:52:43+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5819313/universal-credit-technically-not-fit-to-work-but-fit-work</loc><lastmod>2018-12-02T18:05:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931106/how-will-universal-credit-affect-my-family-finances</loc><lastmod>2018-12-02T15:35:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931608/child-benefit-tax-credits-after-a-levels</loc><lastmod>2018-12-01T15:21:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929193/single-mum-and-twins-gpoing-to-uni</loc><lastmod>2018-12-01T14:38:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931489/widowed-parents-allowance</loc><lastmod>2018-12-01T14:14:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5932005/claiming-uc-self-employed-wanting-to-do-additional-employment</loc><lastmod>2018-12-01T10:36:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931853/moving-house</loc><lastmod>2018-12-01T08:17:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931151/help-with-universal-credit</loc><lastmod>2018-11-30T21:56:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931626/hmrc-letters-redirection</loc><lastmod>2018-11-30T21:56:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931278/esa-assessment-tomorrow</loc><lastmod>2018-11-30T20:19:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931588/sdp-and-lodger</loc><lastmod>2018-11-30T13:41:55+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5931490/maureen</loc><lastmod>2018-11-30T13:12:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931252/child-tax-credits</loc><lastmod>2018-11-30T06:46:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931318/will-a-claim-for-carers-allowance-trigger-universal-credit</loc><lastmod>2018-11-30T06:43:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5931227/pip-1043</loc><lastmod>2018-11-29T23:43:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930882/esa-3-form-success</loc><lastmod>2018-11-29T22:47:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930770/esa-payments-over-christmas</loc><lastmod>2018-11-29T20:54:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929346/tax-credits-overpayment-question</loc><lastmod>2018-11-29T19:32:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930758/rent-increase-lha-exempt</loc><lastmod>2018-11-29T18:26:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930944/child-tax-credit-amount-changes</loc><lastmod>2018-11-29T12:58:28+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5930777/universal-credit-what-will-i-still-get-while-waiting</loc><lastmod>2018-11-29T09:25:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930241/dla-appeal-for-child-with-autism</loc><lastmod>2018-11-28T16:46:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930258/winter-fuel-allowance-overpayment</loc><lastmod>2018-11-28T16:11:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930207/jsa-and-mortgages-help</loc><lastmod>2018-11-28T13:44:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930416/house-ad-says-no-hb</loc><lastmod>2018-11-28T09:48:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930297/pretty-sure-my-benefits-have-been-stopped-and-i-dont-know-why</loc><lastmod>2018-11-28T07:54:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929592/need-advice-on-life</loc><lastmod>2018-11-27T23:28:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927577/phd-student-with-new-baby-can-we-claim-any-benefits</loc><lastmod>2018-11-27T19:11:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906871/housing-benefit-overpayment</loc><lastmod>2018-11-27T18:59:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5930080/hb-overpayment</loc><lastmod>2018-11-27T17:03:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929931/jsa-to-income-support</loc><lastmod>2018-11-27T15:47:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929832/anyone-know-what-time-hsbc-the-bank-makes-money-available-not-received-benefit</loc><lastmod>2018-11-27T15:45:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929701/universal-credit-eligibility</loc><lastmod>2018-11-27T12:53:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929848/change-to-tax-credits-universal-credit</loc><lastmod>2018-11-27T08:39:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929675/severe-disability-premium-help</loc><lastmod>2018-11-27T03:04:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928093/esa-going-to-visit-son-abroad</loc><lastmod>2018-11-26T19:58:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928348/claiming-millage-difference-question</loc><lastmod>2018-11-26T16:06:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929579/moving-onto-income-based-jsa</loc><lastmod>2018-11-26T14:52:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928814/universal-credit-migration</loc><lastmod>2018-11-26T13:40:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927811/winter-fuel-allowance</loc><lastmod>2018-11-26T12:16:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929456/childcare-vouchers-and-uc</loc><lastmod>2018-11-26T10:14:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929402/has-my-pip-payment-date-changed</loc><lastmod>2018-11-26T08:11:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926874/reducing-council-tax</loc><lastmod>2018-11-26T05:45:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929281/what-benefits-to-claim-when-injury-occurs</loc><lastmod>2018-11-25T21:49:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928843/tax-credits-and-repeated-sickness</loc><lastmod>2018-11-25T19:14:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910925/how-often-is-esa-assessed-these-days</loc><lastmod>2018-11-25T15:20:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5929001/severe-disability-premium</loc><lastmod>2018-11-24T23:43:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5842288/pip-cq-system-failure-whats-that</loc><lastmod>2018-11-24T18:42:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928407/selling-house-whilst-on-benefits</loc><lastmod>2018-11-24T16:37:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928819/council-tax-recalculation-over-5-years</loc><lastmod>2018-11-24T15:43:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924560/what-happens-when-your-on-universal-credit</loc><lastmod>2018-11-24T15:42:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928759/final-salary-payment-universal-credit</loc><lastmod>2018-11-24T13:33:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928754/change-trigger-move-to-uc-waiting</loc><lastmod>2018-11-24T10:43:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928625/house-ownership-and-universal-credit</loc><lastmod>2018-11-24T07:40:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928631/housing-benefit-payments-stopped-worried-sick</loc><lastmod>2018-11-24T06:44:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928530/housing-benefit</loc><lastmod>2018-11-24T06:02:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928003/is-ca-uc-esa</loc><lastmod>2018-11-24T00:27:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928586/tribunal-win-and-esa</loc><lastmod>2018-11-23T22:31:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923076/universal-credit-could-i-really-be-entitled-to-it</loc><lastmod>2018-11-23T21:21:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927543/really-need-advice-for-uc</loc><lastmod>2018-11-23T21:19:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928562/benefits-after-ssp-expires</loc><lastmod>2018-11-23T20:49:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928519/will-change-of-hours-move-us-to-uc</loc><lastmod>2018-11-23T20:49:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925397/universal-credit-earnings-taper</loc><lastmod>2018-11-23T18:38:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927411/uc-first-payment</loc><lastmod>2018-11-23T18:29:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926528/universal-credit-question</loc><lastmod>2018-11-23T18:22:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928369/help</loc><lastmod>2018-11-23T17:18:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928396/capability-for-work-questionnaire-again-after-just-6-months</loc><lastmod>2018-11-23T16:06:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927454/pip-do-you-have-to-go-to-an-appointment</loc><lastmod>2018-11-23T13:27:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926828/missing-my-next-jsa-appointment-effect-on-housing-payment</loc><lastmod>2018-11-24T08:03:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928129/dental-care-costs</loc><lastmod>2018-11-23T09:33:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5928124/uc-and-nhs-exemption</loc><lastmod>2018-11-22T23:19:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927544/bro-executor-of-will-intimidating-sister</loc><lastmod>2018-11-22T18:41:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927851/end-jsa-to-claim-universal-credit-full-service-area</loc><lastmod>2018-11-22T17:18:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927757/housing-benefit-debt</loc><lastmod>2018-11-22T14:11:02+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5927671/assessment-report</loc><lastmod>2018-11-22T11:57:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926954/migration-to-universal-credit</loc><lastmod>2018-11-22T09:03:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927515/esa-work-capability-assessment</loc><lastmod>2018-11-23T05:14:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927528/esa</loc><lastmod>2018-11-21T21:19:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927546/carers-allowance-and-uc-questions</loc><lastmod>2018-11-21T20:44:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927304/tax-free-childcare-question-if-you-pay-in-and-get-your-20-will-they-take-it-off-you</loc><lastmod>2018-11-21T14:40:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5927056/will-this-trigger-a-change</loc><lastmod>2018-11-21T12:37:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926926/separation-savings-benefits</loc><lastmod>2018-11-21T11:23:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926920/esa-income-based-review</loc><lastmod>2018-11-20T18:30:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926557/lcw-or-lcwra</loc><lastmod>2018-11-20T00:43:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926361/universal-credit-now-have-fit-note</loc><lastmod>2018-11-19T22:51:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926509/reassessment-form-for-esa-query</loc><lastmod>2018-11-19T22:23:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926488/stayingabroad-past-28-days-and-didnt-know-i-needed-to-inform-dwp-help</loc><lastmod>2018-11-19T22:22:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926517/pension-credit</loc><lastmod>2018-11-19T22:17:51+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5926447/claiming-income-related-jsa-and-just-put-in-a-claim-for-carers-allowance</loc><lastmod>2018-11-19T19:07:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925213/council-tax-reduction</loc><lastmod>2018-11-19T18:32:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923821/dwp-esa-reassessment-results-letter</loc><lastmod>2018-11-19T16:45:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925534/council-tax-query-change-of-flat-change-of-band</loc><lastmod>2018-11-19T15:05:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925998/esa-form-not-received</loc><lastmod>2018-11-19T14:37:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926189/contribution-based-jsa-in-full-service-universal-credit-area</loc><lastmod>2018-11-19T14:30:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926154/filling-out-pip-form</loc><lastmod>2018-11-19T11:08:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925284/universal-cre</loc><lastmod>2018-11-19T08:13:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925783/entitled-at-anything-else</loc><lastmod>2018-11-19T05:42:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5926050/mistake-on-tax-credit-renewal</loc><lastmod>2018-11-18T22:37:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925959/help-for-a-friend-child-benefits-guidance</loc><lastmod>2018-11-18T21:06:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925615/help-desperately-needed</loc><lastmod>2018-11-18T12:44:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901118/under-active-thyroid</loc><lastmod>2018-11-18T12:00:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925531/deprivation-of-capital-jsa</loc><lastmod>2018-11-18T11:01:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924541/over-10-billion-of-benefits-left-unclaimed-mse-news</loc><lastmod>2018-11-18T10:45:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925253/hb-entitled-working-ft</loc><lastmod>2018-11-18T09:43:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925568/homeowner-claiming-housing-benefit</loc><lastmod>2018-11-18T09:37:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925624/currently-on-esa-making-new-uc-claim</loc><lastmod>2018-11-18T08:25:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925365/including-past-pip-assessment-as-evidence</loc><lastmod>2018-11-17T21:50:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925288/is-delaying-inheritance-until-65-so-that-it-doesnt-inflict-on-benefits-allowed</loc><lastmod>2018-11-17T19:11:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913586/new-enterprise-allowance-2018-with-universal-credit</loc><lastmod>2018-11-17T15:51:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925424/income-related-esa-and-council-tax</loc><lastmod>2018-11-17T13:06:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925071/will-dwp-appeal-tribunal-decision</loc><lastmod>2018-11-16T19:03:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924687/ct-arrears-uc</loc><lastmod>2018-11-16T18:00:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925115/claiming-paypal-fees-as-well-as-ebay-shopify-etc</loc><lastmod>2018-11-16T17:58:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925111/esa-tribunal-failed</loc><lastmod>2018-11-16T17:56:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912283/esa-tribunal-waiting-time</loc><lastmod>2018-11-16T17:53:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5925101/tax-rebate-withheld</loc><lastmod>2018-11-16T16:36:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924652/letter-about-my-dead-partner-from-dwp</loc><lastmod>2018-11-16T14:49:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768403/carers-allowance-and-universal-credit-carers-element</loc><lastmod>2019-12-22T09:08:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923833/advise-about-universal-credit</loc><lastmod>2018-11-15T21:53:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923791/universal-credit-housing-benefit-please-help</loc><lastmod>2018-11-15T20:57:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924525/uc-help-please</loc><lastmod>2018-11-15T18:09:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924628/esa-mandatory-reconsideration-waiting-time-for-a-reply-on-the-decision</loc><lastmod>2018-11-15T18:06:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5565625/esa-advice-esa3</loc><lastmod>2018-11-15T17:04:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924555/tax-credit-overpayments-paid-but-another-bill</loc><lastmod>2018-11-15T15:35:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923708/telephone-fraud</loc><lastmod>2018-11-15T13:32:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924186/how-does-the-severe-disability-premium-work-please</loc><lastmod>2018-11-15T00:02:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5922562/child-benefit-back-pay</loc><lastmod>2018-11-14T22:47:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924243/dwp-compensation-recover-unit</loc><lastmod>2018-11-14T18:35:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923979/housing-benefit</loc><lastmod>2018-11-14T18:08:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923758/changing-bank-account-details-with-tax-credits</loc><lastmod>2018-11-14T16:32:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923106/paying-my-sisters-monthly-rent-top-up</loc><lastmod>2018-11-14T16:14:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924049/universal-credit-report-a-change-of-circumstance-and-now-what</loc><lastmod>2018-11-14T14:05:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5921915/not-told-re-motobility-payments</loc><lastmod>2018-11-14T13:43:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5924078/motability-during-appeal</loc><lastmod>2018-11-14T12:59:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923369/65-and-still-on-dla</loc><lastmod>2018-11-14T06:16:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5923771/universal-credit-refusing-to-pay</loc><lastmod>2018-11-13T23:11:06+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5915089/benefits-questions-and-very-confused-help</loc><lastmod>2018-10-26T16:13:17+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5914867/mr-overturned-sdp-decision-question-regarding-backpay</loc><lastmod>2018-10-25T21:10:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5914734/first-ever-pip-assessment-and-a-question-about-bringing-someone-along</loc><lastmod>2018-10-25T20:28:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5914579/joint-esa-claim</loc><lastmod>2018-10-25T18:48:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5914796/jsa-question</loc><lastmod>2018-10-25T18:33:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5914745/geoff-jones</loc><lastmod>2018-10-25T16:50:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5914083/esa-and-pregnancy</loc><lastmod>2018-10-25T11:08:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912057/universal-credit-renting-under-35-but-disabled-shared-accom-or-studio</loc><lastmod>2018-10-24T20:37:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913561/childcare-vouchers-or-tax-credits</loc><lastmod>2018-10-24T17:11:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913974/pension</loc><lastmod>2018-10-24T16:37:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5914133/universal-credit-grouping-and-backdating</loc><lastmod>2018-10-24T14:53:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5914123/clarification-on-how-universal-credit-sanctions-work</loc><lastmod>2018-10-24T14:49:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5914010/pension-benefits-confusion</loc><lastmod>2018-10-24T13:28:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913963/would-uc-get-backdated</loc><lastmod>2018-10-24T10:21:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913766/uc-trigger-question</loc><lastmod>2018-10-23T21:25:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913696/uc-jsa-sanctions-after-resigning-7yrs-ago</loc><lastmod>2018-10-23T19:49:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913737/company-car-benefits</loc><lastmod>2018-10-23T19:40:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912679/severaly-sight-impaired</loc><lastmod>2018-10-23T19:13:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912345/universal-credit-closing-claim</loc><lastmod>2018-10-23T18:40:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913457/relapsing-illness-and-universal-credit</loc><lastmod>2018-10-23T18:24:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913641/over-paid-by-work</loc><lastmod>2018-10-23T17:57:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913570/can-i-claim-anything</loc><lastmod>2018-10-23T17:17:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913491/new-job-maternity</loc><lastmod>2018-10-23T14:23:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913521/pip-and-tax-credits</loc><lastmod>2018-10-23T14:10:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913022/please-help-overpayments</loc><lastmod>2018-10-23T13:54:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913573/pip-2-year-rule</loc><lastmod>2018-10-23T13:45:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912925/back-dating-of-council-tax-reduction</loc><lastmod>2018-10-23T09:12:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913240/social-work-meeting</loc><lastmod>2018-10-23T09:02:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912813/uc-and-being-self-employed</loc><lastmod>2018-10-23T06:26:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911888/pip-messed-it-up-all</loc><lastmod>2018-10-22T21:18:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913098/carers-allowance</loc><lastmod>2018-10-22T18:05:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5913044/working-part-time-disabled-and-universal-credit</loc><lastmod>2018-10-22T15:23:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912814/tax-credits-help-to-save-help</loc><lastmod>2018-10-22T12:49:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912777/pip-need-to-phone-or-wait-for-invite</loc><lastmod>2018-10-22T07:05:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912739/universal-credit-transition-trigger</loc><lastmod>2018-10-22T06:47:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912515/help-please-uc-payment</loc><lastmod>2018-10-22T06:41:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902190/severe-disability-premium</loc><lastmod>2018-10-21T23:11:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912668/housing-benefit</loc><lastmod>2018-10-21T19:53:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908849/pip-claim</loc><lastmod>2018-10-21T13:49:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911297/tax-credit-change-of-circumstances</loc><lastmod>2018-10-21T13:29:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912516/trigger-to-uc</loc><lastmod>2018-10-21T11:56:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912072/dwp-electronic-correspondence</loc><lastmod>2018-10-21T09:10:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911892/council</loc><lastmod>2018-10-20T22:47:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912254/is-a-2nd-job-worth-it</loc><lastmod>2018-10-20T20:05:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912158/removed</loc><lastmod>2020-09-08T22:39:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906123/moving-abroad</loc><lastmod>2018-10-20T18:11:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5912199/non-payment-of-daily-living-component-of-pip</loc><lastmod>2018-10-20T18:09:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911840/income-based-esa</loc><lastmod>2018-10-20T15:25:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911756/esa-tribunal-win</loc><lastmod>2018-10-20T09:06:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908643/apprenticeship-and-losing-tax-credits</loc><lastmod>2018-10-19T21:15:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911669/back-to-work</loc><lastmod>2018-10-19T20:17:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908378/overpayment-in-universal-credit-official-error</loc><lastmod>2018-10-19T18:22:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911621/help-for-possibly-complex-situation-working-mature-student-and-two-kids</loc><lastmod>2018-10-19T16:17:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909146/esa-and-backpay</loc><lastmod>2018-10-19T16:10:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911628/two-days-after-my-successful-appeal-ive-got-a-reassessment-appointment</loc><lastmod>2018-10-23T18:18:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911603/confusion-about-sickness-benefit-uc</loc><lastmod>2018-10-19T13:24:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910810/how-do-i-get-housing-benefit</loc><lastmod>2018-10-19T13:06:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911238/old-esa-claim-and-current-issues</loc><lastmod>2018-10-19T11:11:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910976/universal-credits-jsa-do-you-still-go-to-the-jobcentre-fortnightly-to-sign-on</loc><lastmod>2018-10-19T09:35:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910960/universal-credit-journal-no-replies</loc><lastmod>2018-10-19T09:30:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893172/my-dad-60-is-moving-back-to-england-need-some-advice-please</loc><lastmod>2018-10-19T09:10:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910943/esa-permitted-work-average-hours-earnings</loc><lastmod>2018-10-18T22:49:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911377/universal-credit-reporting-to-job-centre</loc><lastmod>2018-10-18T21:50:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909580/universal-credit-and-sdp</loc><lastmod>2018-10-18T19:36:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910853/180-000-esa-claimants-could-be-owed-an-average-5-000-mse-news</loc><lastmod>2018-10-18T14:57:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814232/mse-news-70-000-esa-claimants-to-be-repaid</loc><lastmod>2018-10-18T12:40:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910832/disability-help-plea</loc><lastmod>2018-10-18T12:38:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910800/payback</loc><lastmod>2018-10-18T06:52:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910991/pip-tribunal-adjourned-help-needed</loc><lastmod>2018-10-18T01:45:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5911004/tax-free-childcare-newbie-queries</loc><lastmod>2018-10-17T23:02:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910302/what-can-i-claim</loc><lastmod>2018-10-17T21:30:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902096/carers-allowance-and-backdating</loc><lastmod>2018-10-17T19:44:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910071/universal-credit-delays-and-changes</loc><lastmod>2018-10-17T19:29:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910382/care-home-fees-how-to-calculate-someones-worth-assets</loc><lastmod>2018-10-17T17:55:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908383/hb-and-ebay-sales</loc><lastmod>2018-10-17T13:57:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910580/single-parent-universal-credit-and-house-deposit</loc><lastmod>2018-10-17T12:34:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909307/national-insurance-contributions-as-esa-partner</loc><lastmod>2018-10-17T12:24:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910497/contribution-based-jsa</loc><lastmod>2018-10-17T11:29:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910387/universal-credit-means-testing-and-power-of-attorney-over-a-parent</loc><lastmod>2018-10-17T10:59:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909700/will-we-get-tax-credits</loc><lastmod>2018-10-16T11:42:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909622/strange-balancing-payment</loc><lastmod>2018-10-16T08:50:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909317/can-you-work-up-to-16-hrs-and-still-claim-jsa</loc><lastmod>2018-10-16T07:04:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909697/housing-benefit-not-amending-tax-credits</loc><lastmod>2018-10-15T14:29:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5864663/housing-benefit-suspended-and-they-are-refusing-to-deal-with-it</loc><lastmod>2018-10-15T12:05:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907275/poor-hungry-stuck-advice-please</loc><lastmod>2018-10-15T11:29:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909643/can-i-donate-with-gift-aid</loc><lastmod>2018-10-15T11:21:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909582/confused-%EF%B8%8F</loc><lastmod>2018-10-15T09:40:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905875/when-child-turns-18-change-in-benefits-and-council-rent</loc><lastmod>2018-10-15T08:08:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909380/am-i-allowed-to-buy-premium-bonds</loc><lastmod>2018-10-14T20:28:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5153882/holiday-abroad-on-esa-pip</loc><lastmod>2018-10-14T17:29:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909194/teacher-filling-in-a-tax-return</loc><lastmod>2018-10-14T16:29:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909246/childcare-help</loc><lastmod>2018-10-14T15:31:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909164/postgraduate-loan-and-universal-credit</loc><lastmod>2018-10-28T18:01:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908084/carers-allowance-hb-and-uc</loc><lastmod>2018-10-14T13:07:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5909103/tax-credit-joint-to-single-claim</loc><lastmod>2018-10-14T08:50:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904314/childcare-vouchers-v-govt-scheme</loc><lastmod>2018-10-13T20:19:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908833/how-does-esa-have-an-impact-on-tax-credits</loc><lastmod>2018-10-13T19:52:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908993/son-left-uni</loc><lastmod>2018-10-13T19:18:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906840/any-experts-on-1st-tier-tribunal-please</loc><lastmod>2018-10-13T12:10:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908273/ni-contributions</loc><lastmod>2018-10-13T10:31:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908310/housing-benefit-deductions-non-dependant-18-years-old-student</loc><lastmod>2018-10-13T09:43:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908417/underpaid-child-tax-credits</loc><lastmod>2018-10-13T07:48:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908326/contributions-based-jsa-and-universal-credit</loc><lastmod>2018-10-12T16:01:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5908028/benefits-help-advice</loc><lastmod>2018-10-12T13:31:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5910249/benefit-fraud</loc><lastmod>2018-10-12T10:06:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907770/marriage-allowance-limit</loc><lastmod>2018-10-12T08:11:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904407/part-time-work-and-uc</loc><lastmod>2018-10-12T06:39:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907683/when-does-esa-payment-become-a-pending-transaction</loc><lastmod>2018-10-11T19:50:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907829/jsa-hrt-again</loc><lastmod>2018-10-11T18:48:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907940/pip-assessment</loc><lastmod>2018-10-11T18:17:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907565/really-need-advice</loc><lastmod>2018-10-11T17:02:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907019/universal-credit-salary-sacrafice</loc><lastmod>2018-10-11T16:04:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907773/change-address-while-waiting-for-esa-assessment</loc><lastmod>2018-10-11T15:44:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907928/pension-savings</loc><lastmod>2018-10-11T14:46:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907856/dla-to-pip-question</loc><lastmod>2018-10-11T13:50:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907818/support-for-mortgage-interest-smi-question</loc><lastmod>2018-10-11T13:24:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907859/help-needed</loc><lastmod>2018-10-11T12:11:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907306/confused-about-change-over</loc><lastmod>2018-10-11T09:15:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907499/i-have-a-universal-credit-payment-scheduled-despite-being-in-uni</loc><lastmod>2018-10-11T07:41:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907552/defined-benefit-and-defined-contribution-pension</loc><lastmod>2018-10-10T18:53:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906577/esa-ir-back-payments</loc><lastmod>2018-10-10T17:23:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907459/housing-benefit-advice-needed</loc><lastmod>2018-10-10T16:29:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5854214/assistance-for-pensioner-amputee</loc><lastmod>2018-10-10T11:47:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904501/aided-journeys-pip-claim</loc><lastmod>2018-10-10T10:08:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906869/paperbased-assessment</loc><lastmod>2018-10-10T06:14:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907170/work-abroad-or-be-unemployed-here</loc><lastmod>2018-10-10T00:22:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906681/3rd-work-capability-assessment</loc><lastmod>2018-10-09T22:44:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907086/tax-credits-overpayment</loc><lastmod>2018-10-09T20:17:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906815/how-do-i-apply-for-job-seekers-or-find-out-if-im-elegible</loc><lastmod>2018-10-09T08:44:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906490/housing-benefit-help</loc><lastmod>2018-10-09T07:44:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906173/affect-on-benefits-with-taking-in-a-lodger-boarder</loc><lastmod>2018-10-09T13:04:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906104/moving-on-to-contribution-based-esa</loc><lastmod>2018-10-08T21:45:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906158/savings-and-benefits-taking-out-part-of-pension</loc><lastmod>2018-10-08T19:18:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5906429/can-you-claim-job-seekers-if-you-leave-uni-early</loc><lastmod>2018-10-08T14:22:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905689/mum-wants-to-transfer-house-ownership-im-on-esa</loc><lastmod>2018-10-08T11:59:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/3853715/warm-home-discount-scheme</loc><lastmod>2018-10-08T11:51:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905889/council-tax-reduction-savings</loc><lastmod>2018-10-08T06:12:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905679/useful-links</loc><lastmod>2018-10-07T19:08:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903712/whos-bank-account-does-pip-have-to-be-paid-in</loc><lastmod>2018-10-07T18:42:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5900267/pip-assessment</loc><lastmod>2018-10-07T11:57:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905926/confused-regarding-benefits-help</loc><lastmod>2018-10-07T11:34:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905912/tax-info-and-child-tax-credit</loc><lastmod>2018-10-07T11:29:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905680/has-anyones-pip-been-changed-yet-due-to-the-court-decision</loc><lastmod>2018-10-07T08:04:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905631/moving-from-esa-to-universal-credit</loc><lastmod>2018-10-06T19:51:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905537/does-this-sound-credible</loc><lastmod>2018-10-06T19:08:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905646/housing-benefits</loc><lastmod>2018-10-06T18:49:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905557/universal-credit-uniform-matalan-voucher-given-by-job-centre-help</loc><lastmod>2018-10-06T16:04:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905253/trying-to-get-myself-sorted</loc><lastmod>2018-10-06T15:26:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905431/tax-credits-stopped-in-error-3-years-in-a-row</loc><lastmod>2018-10-06T14:50:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5834536/first-time-esa-claim</loc><lastmod>2018-10-06T10:46:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905112/advice-required-on-incapacity-benefits-to-esa-transitional-benefits</loc><lastmod>2018-10-05T21:19:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905229/how-do-i-nominate-whos-bank-account-gets-my-benefits-paid-into</loc><lastmod>2018-10-05T20:47:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905134/pip-and-epilepsy</loc><lastmod>2018-10-05T20:38:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904438/tax-credits-and-mileage-payments</loc><lastmod>2018-10-05T18:44:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905009/tax-credits-childcare-payments-how-does-it-work-with-estimates-vs-reality</loc><lastmod>2018-10-05T18:41:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5905182/working-tax-credits</loc><lastmod>2018-10-05T18:39:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902624/new-business-no-profit-first-year</loc><lastmod>2018-10-05T13:41:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904693/please-explain-how-paying-for-childcare-works</loc><lastmod>2018-10-05T13:21:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904934/universal-credit-and-4-weekly-pay</loc><lastmod>2018-10-05T13:18:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904649/how-do-i-apply-for-pip</loc><lastmod>2018-10-04T20:42:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904108/managed-migration</loc><lastmod>2018-10-04T19:18:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904484/tronc-system-and-ni-contributions</loc><lastmod>2018-10-04T16:59:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904441/can-i-still-claim-working-tax-credit-in-utc-area</loc><lastmod>2018-10-04T16:21:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904212/affects-on-tax-credits-of-combining-a-household</loc><lastmod>2018-10-04T13:48:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904245/atlas-transaction-housing-benefit-suspended</loc><lastmod>2018-10-04T12:01:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904302/are-the-cms-now-run-by-dwp</loc><lastmod>2018-10-04T09:09:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904221/civil-harassment-of-mental-health-sufferer-disabled-person-by-the-police</loc><lastmod>2018-10-04T08:25:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904242/childcare-vouchers-how-can-employer-start-this</loc><lastmod>2018-10-04T05:54:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903748/esa-change-of-circumstances</loc><lastmod>2018-10-03T21:19:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903720/uc-question</loc><lastmod>2018-10-03T19:35:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903963/state-pension-and-care-allowance</loc><lastmod>2018-10-03T17:51:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5904066/jsa-and-overpayment</loc><lastmod>2018-10-03T13:56:51+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5903938/hmrc-refuse-to-accept-ctc-overpayment-from-me</loc><lastmod>2018-10-03T09:47:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903747/if-i-make-a-change-to-esa-income-related-will-it-trigger-a-uc-claim-instead</loc><lastmod>2018-10-03T08:53:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902977/pip-claim-mr-declined</loc><lastmod>2018-10-02T18:51:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903507/will-i-be-moved-to-universal-credit</loc><lastmod>2018-10-02T18:34:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903389/advice-re-uc</loc><lastmod>2018-10-02T18:03:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903586/child-benifit-and-higher-earnings</loc><lastmod>2018-10-02T17:44:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5887217/weird-terminology-on-jsa-review-form</loc><lastmod>2018-10-02T16:36:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903376/inheritance</loc><lastmod>2018-10-02T15:35:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903425/support-for-mortgage-interest-loan</loc><lastmod>2018-10-02T14:32:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903375/tax-credits-and-savings</loc><lastmod>2018-10-02T14:19:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903230/can-we-legally-save-what-we-need</loc><lastmod>2018-10-02T14:00:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903430/working-tax-credit-debt-recovery-of-universal-credit</loc><lastmod>2018-10-02T12:49:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903150/does-unpaid-salary-owed-count-towards-your-income-for-hb</loc><lastmod>2018-10-12T13:27:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903385/working-tax-credits-then-child-tax-credit-claim-forces-move-to-uc</loc><lastmod>2018-10-02T10:54:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5903276/esa-assessment-phase-sick-line-enough</loc><lastmod>2018-10-02T04:45:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902697/pip</loc><lastmod>2018-10-01T21:31:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902711/new-job-scared-benefits-will-stop</loc><lastmod>2018-10-01T18:14:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902453/non-dependant-with-savings-affect-benefits</loc><lastmod>2018-10-01T16:05:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902210/benefit-for-someone-terminally-ill</loc><lastmod>2018-10-01T16:01:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901101/jsa-contribution-based</loc><lastmod>2018-10-01T15:54:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902710/esa</loc><lastmod>2018-10-01T11:02:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898568/alleged-overpayment-from-2010-for-a-large-amount-being-told-cant-appeal</loc><lastmod>2018-10-01T09:47:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902677/whos-bank-account-do-benefits-have-to-be-paid-in</loc><lastmod>2018-10-01T06:47:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902556/stat-notice-pay</loc><lastmod>2018-09-30T17:19:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902555/pension</loc><lastmod>2018-09-30T15:44:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902458/income-based-jsa-taxable</loc><lastmod>2018-09-30T12:22:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902077/pension-credit-winter-fuel-payments</loc><lastmod>2018-09-29T10:52:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898460/free-school-meals-change-hours-lose-eligibility-or-protected</loc><lastmod>2018-09-29T10:49:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5902112/cross-border-working-and-pip-tax-credits</loc><lastmod>2018-09-29T10:04:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901848/child-benefit-thought-you-got-it-regardless</loc><lastmod>2018-09-29T10:04:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901807/pip-mandatory-reconsideration</loc><lastmod>2018-09-29T09:04:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901458/homeless-and-on-jsa</loc><lastmod>2018-09-28T22:32:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901145/housing-ct-benefit-student-son-at-home-deferring</loc><lastmod>2018-09-28T19:20:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5197818/nhs-penalty-charge-notice-received</loc><lastmod>2018-09-28T18:48:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901811/pip-assessment-report-query</loc><lastmod>2018-09-28T17:52:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901599/possible-benefits-in-complicated-situation</loc><lastmod>2018-09-28T16:36:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901775/30-hours-free-childcare-issue</loc><lastmod>2018-09-28T16:17:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901625/does-this-sound-right-travel-expenses-related</loc><lastmod>2018-09-28T13:55:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5900152/on-universal-credit-quitting-work-to-care-for-partner</loc><lastmod>2018-09-28T07:59:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901202/universal-credit</loc><lastmod>2018-09-27T18:43:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901133/pension-credit-application-delays</loc><lastmod>2018-09-27T16:57:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5901185/aa-help</loc><lastmod>2018-09-27T14:36:44+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5900281/what-happens-if-your-permitted-work-is-turned-down-but-you-have-already-started</loc><lastmod>2018-09-27T07:02:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5900370/renting-buying-gifted-a-house-while-i-claim-uc-could-i-claim-housing-benifit</loc><lastmod>2018-09-26T23:38:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5900468/claiming-uc-my-recently-deceased-partner-has-left-me-some-money-looking-for-advice</loc><lastmod>2018-09-26T20:04:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5900677/esa-housing-benefit-online-study</loc><lastmod>2018-09-26T17:52:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5900400/group-appeal</loc><lastmod>2018-09-26T10:19:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5900373/esa-mr-advice</loc><lastmod>2018-09-26T05:50:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898042/area-moving-to-uc-in-oct-if-applying-now-will-it-be-current-system-or-uc</loc><lastmod>2018-09-25T20:42:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897135/new-to-benefits-why-does-uc-show-one-amount-but-then-pay-almost-half-only-in-to-bank</loc><lastmod>2018-09-25T20:16:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5900255/do-expenses-affect-permitted-work-earnings</loc><lastmod>2018-09-25T18:07:57+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5899415/jsa-payment</loc><lastmod>2018-09-24T08:35:30+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5898762/dwp-investigations</loc><lastmod>2018-09-23T22:17:50+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5899254/could-a-campervan-be-classified-as-deprivation-of-assets</loc><lastmod>2018-09-23T19:03:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898704/pension-credit-and-2nd-home</loc><lastmod>2018-09-23T16:59:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5899194/severe-disability-premium-need-advice</loc><lastmod>2018-09-23T12:03:29+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5898979/hmrc-tax-credits-enquiry</loc><lastmod>2018-09-22T20:56:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894775/is-there-anyone-i-can-report-housing-benefit-folk-too</loc><lastmod>2018-09-22T20:14:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898825/council-tax-support-for-carer</loc><lastmod>2018-09-22T17:38:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898099/esa-assessment</loc><lastmod>2018-09-22T15:05:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894742/apply-for-ni-number</loc><lastmod>2018-09-22T11:58:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898714/i-have-residency-order-but-is-ex-using-son-to-claim-benefits</loc><lastmod>2018-09-22T11:37:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898575/universal-credit-child-limit</loc><lastmod>2018-09-22T09:58:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898787/benefits-saving-interest-tax</loc><lastmod>2018-09-22T09:37:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898420/first-time-experience-of-benefits-universal-credit-is-a-joke</loc><lastmod>2018-09-22T08:19:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898626/child-benefit-and-non-advanced-education</loc><lastmod>2018-09-21T18:20:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897764/is-changing-from-employed-to-self-employed-a-trigger</loc><lastmod>2018-09-21T17:54:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897841/help-with-nhs-prescriptions-penalty-notice</loc><lastmod>2018-09-21T10:26:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5898155/council-housing-how-long-did-you-wait</loc><lastmod>2018-09-21T07:07:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895784/esa</loc><lastmod>2018-09-20T22:45:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897952/new-job-offer-tax-credits</loc><lastmod>2018-09-20T11:54:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896025/esa-return-to-work-benefit-roll-on</loc><lastmod>2018-09-20T07:23:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897108/savings-capital-above-threshold</loc><lastmod>2018-09-20T02:22:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896880/won-my-appeal-against-uc-sanctions</loc><lastmod>2018-09-19T21:15:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5877946/universal-credit-migration</loc><lastmod>2018-09-19T20:44:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897628/confusing-esa-letter</loc><lastmod>2018-09-19T18:31:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897004/can-current-ctc-be-changed-to-wtc-or-do-i-have-to-get-uc-help</loc><lastmod>2018-09-19T18:17:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897659/how-to-maximise-bonus-supplemental-allowance</loc><lastmod>2018-09-19T18:02:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897480/esa-has-been-deducted-3-weeks-before-student-loan-is-due</loc><lastmod>2018-09-19T17:23:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897283/benefit-cancer-cash-gifts</loc><lastmod>2018-09-19T17:09:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895874/universal-credit-underpayment-how-to-appeal</loc><lastmod>2018-09-19T17:01:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897447/moving-post-for-button</loc><lastmod>2018-09-19T15:37:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897600/universal-credit-transitional-protection-and-over-16-000-in-savings</loc><lastmod>2018-09-19T14:55:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896276/esa-and-living-away-from-home-in-the-uk</loc><lastmod>2018-09-19T14:44:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894073/no-idea-on-benefit-child-on-way</loc><lastmod>2018-09-19T13:17:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894713/pip-and-uc</loc><lastmod>2018-09-19T12:15:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896577/atos-assessor-report-pip</loc><lastmod>2018-09-19T11:05:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5897216/brother-did-not-disclose-all-of-my-late-mothers-finances</loc><lastmod>2018-09-19T05:32:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803327/esa</loc><lastmod>2018-09-18T19:28:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896668/not-coping-with-change-from-esa-to-universal-credit</loc><lastmod>2018-09-18T17:01:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895737/theoretical-question-re-selling-a-house-and-benefits</loc><lastmod>2018-09-18T15:21:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896602/16-year-old-moving-with-grandparents-for-college</loc><lastmod>2018-09-18T12:36:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896754/lone-parent-needs-to-quit-job</loc><lastmod>2018-09-18T11:58:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896826/pip-cancelled-home-assessment</loc><lastmod>2018-09-18T11:54:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896812/warm-home-discount-with-energy-debt</loc><lastmod>2018-09-18T11:51:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896631/threshold-earning-limit-for-wtc</loc><lastmod>2018-09-18T05:05:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751011/nhs-esa-unpaid-dental-fee-and-penalty-charge</loc><lastmod>2018-09-17T18:08:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895994/will-taking-a-small-lump-sum-and-leaving-the-balance-until-pension-age-be-a-issue-with-my-benifits</loc><lastmod>2018-09-17T16:47:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5890493/compliance-officer</loc><lastmod>2018-09-17T15:49:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5896444/travelling-and-pip</loc><lastmod>2018-09-17T15:11:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895739/anticipating-embarrassment-anger-and-a-waste-of-time-confused</loc><lastmod>2018-09-17T14:01:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893710/question-about-the-savings-limit-while-on-benefits-and-losing-1-for-every-250-over-6000</loc><lastmod>2018-09-17T13:52:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895840/esa-extra-payment-takes-me-over-6000gbp</loc><lastmod>2018-09-17T06:52:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895998/pip-review-voluntarily</loc><lastmod>2018-09-16T20:39:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895470/dwp-trying-to-get-money-back-for-capital-i-knew-nothing-of</loc><lastmod>2018-09-16T19:00:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895346/reducing-hours-effect-on-tax-credits</loc><lastmod>2018-09-16T17:52:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895783/18-and-starting-college</loc><lastmod>2018-09-16T17:02:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895814/child-savings-inheritance</loc><lastmod>2018-09-16T12:03:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895305/contributions-based-esa-and-wrag</loc><lastmod>2018-09-15T21:47:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895688/vat-claim</loc><lastmod>2018-09-15T17:17:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895426/help-either-universal-credit-or-housing-benefit</loc><lastmod>2018-09-15T05:20:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894216/registering-on-electoral-register-at-two-addresses</loc><lastmod>2018-09-15T00:12:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895394/pay-when-signed-off-sick</loc><lastmod>2018-09-14T20:42:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892373/self-employed-hb-claim</loc><lastmod>2018-09-14T20:40:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894371/watching-pmqs-today-think-corbyn-said-many-people-on-esa-will-lose-it</loc><lastmod>2018-09-14T19:43:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895223/what-can-i-do</loc><lastmod>2018-09-14T17:49:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894634/parent-in-bad-way-after-a-failed-esa-assessment-need-advice</loc><lastmod>2018-09-14T13:46:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5895042/wrag-to-support-group</loc><lastmod>2018-09-14T13:19:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894842/benefits-jsa-help</loc><lastmod>2018-09-14T09:41:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894958/universal-credit-payment-help</loc><lastmod>2018-09-14T08:49:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894701/jsa-new-style-esa-and-uc</loc><lastmod>2018-09-13T21:38:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894608/carers-allowance-switch-to-contribution-jsa</loc><lastmod>2018-09-13T21:27:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894600/elderly-brother-in-fall-can-he-claim-benefits</loc><lastmod>2018-09-13T20:22:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894361/returned-to-support-group-wow</loc><lastmod>2018-09-13T14:37:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894166/signing-off-before-last-uc-payment</loc><lastmod>2018-09-13T12:43:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894246/esa</loc><lastmod>2018-09-12T20:51:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893801/royalties-and-jsa</loc><lastmod>2018-09-12T20:50:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894239/pip-assessment-off-to-a-flying-start</loc><lastmod>2018-09-12T20:33:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894310/jsa-after-2-years-unemployed</loc><lastmod>2018-09-12T20:15:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893905/income-related-esa-and-deprivation-of-capital</loc><lastmod>2018-09-12T19:59:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893396/dismissed-on-illhealth-grounds</loc><lastmod>2018-09-12T19:26:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894127/help-needed</loc><lastmod>2018-09-12T16:43:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893987/from-esa-to-uc</loc><lastmod>2018-09-12T16:34:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893858/what-help-am-i-entitled-to</loc><lastmod>2018-09-12T11:18:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893658/how-can-i-record-a-pip-hearing</loc><lastmod>2018-09-12T09:20:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5894023/tax-credits-overpayment-paid-back-to-much</loc><lastmod>2018-09-12T09:03:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893582/personal-pensions-contributions-question-on-tax-credit-calculstor</loc><lastmod>2018-09-12T06:11:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893874/benefits-when-moving-in-with-friend</loc><lastmod>2018-09-12T05:18:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893838/universal-credit-advice-contacts</loc><lastmod>2018-09-11T19:40:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893735/tax-refund-whilst-claiming-esa</loc><lastmod>2018-09-11T19:24:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893846/have-the-dwp-written-me-off</loc><lastmod>2018-09-11T18:16:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893750/personal-pension-tax-relief</loc><lastmod>2018-09-11T17:15:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893731/what-is-the-very-latest-you-can-ask-for-a-pip-mr</loc><lastmod>2018-09-11T15:42:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893612/uc-and-tax-refund</loc><lastmod>2018-09-11T14:14:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5744273/pip-back-payment-saving-limit</loc><lastmod>2018-09-11T11:05:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893324/lj</loc><lastmod>2018-09-10T22:11:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5736306/esa-pip-appeal-decisions</loc><lastmod>2018-09-10T21:27:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892752/esa-review-due-but-not-had-letter</loc><lastmod>2018-09-10T20:20:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893216/legacy-benefits-disability-and-considering-work-opportunities</loc><lastmod>2018-09-10T18:23:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892998/can-my-18-year-old-claim-jsa</loc><lastmod>2018-09-10T17:54:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5877282/universal-credits-change-of-circumstances</loc><lastmod>2018-09-10T16:51:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893304/universal-credit-report-a-change</loc><lastmod>2018-09-10T15:34:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893272/can-anybody-give-advise-on-was-appeal-i-have-coming-soon</loc><lastmod>2018-09-10T14:04:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893224/does-child-maintenance-alter-the-amount-of-universal-credit-received</loc><lastmod>2018-09-10T13:46:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892633/please-please-help-me</loc><lastmod>2018-09-10T10:18:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5867716/esa-advice</loc><lastmod>2018-09-10T09:46:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5893061/please-help-i-dont-know-what-to-do</loc><lastmod>2018-09-10T05:11:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892960/esa-and-having-funds-in-bank</loc><lastmod>2018-09-09T19:47:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892660/parent-failed-esa-now-considering-universal-credit-in-family-home</loc><lastmod>2018-09-09T18:58:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892983/overpayment-tax-credits-to-uc</loc><lastmod>2018-09-09T15:52:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5891864/in-rehab-am-fully-funded-but-am-being-told-i-have-to-pay-a-weekly-fee</loc><lastmod>2018-09-09T15:03:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813461/ni-credits-problem</loc><lastmod>2018-09-09T12:56:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892944/family-friend-has-died</loc><lastmod>2018-09-09T12:44:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5891973/benifit-confusion-esa-more</loc><lastmod>2018-09-09T12:41:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892910/carers-confusion-when-on-universal-credit</loc><lastmod>2018-09-09T12:31:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892567/ni-stamp-question-on-job-seekers</loc><lastmod>2018-09-09T07:40:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892683/universal-credit</loc><lastmod>2018-09-09T05:26:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5891467/single-mum-need-advice-for-benefits</loc><lastmod>2018-09-08T20:50:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892579/esa50-help</loc><lastmod>2018-09-08T16:51:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892565/im-starting-work-2-weeks-into-my-universal-credit-period</loc><lastmod>2018-09-08T15:39:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892519/ppi-refund-deprivation-of-capital</loc><lastmod>2018-09-08T13:25:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5888733/waiting-for-reply</loc><lastmod>2018-09-08T10:17:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5891883/girlfriend-unemployed</loc><lastmod>2018-09-08T08:16:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892200/redundancy-job-seekers</loc><lastmod>2018-09-08T07:11:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5869969/some-good-news-for-ib-claimants-migrated-onto-esa</loc><lastmod>2018-09-07T23:42:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5746035/75-000-esa-claimants-underpaunderpaid</loc><lastmod>2018-09-07T23:34:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5761965/dwp-errors-and-cut-off-date-for-backdated-premiums</loc><lastmod>2018-09-07T23:22:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892231/universal-credit-dilemma</loc><lastmod>2018-09-07T18:55:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892271/pip-claim-how-long-for-forms-to-arrive</loc><lastmod>2018-09-07T16:11:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5892242/moving-from-esa-sg-to-universal-credit-moving-out</loc><lastmod>2018-09-07T15:44:45+00:00</lastmod></url>
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</urlset>