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<url><loc>https://forums.moneysavingexpert.com/discussion/5824984/mandatory-reconsideration-for-esa-decision-on-universal-credit</loc><lastmod>2018-04-10T15:14:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5823492/attendance-allowance-under-deferred-agreement</loc><lastmod>2018-04-10T14:16:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5824479/income-over-declared-now-i-ve-been-over-paid</loc><lastmod>2018-04-10T05:18:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5793814/what-counts-as-spousal-maintenance-payment</loc><lastmod>2018-04-09T22:41:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5824011/contributory-esa-partner-salary</loc><lastmod>2018-04-09T21:08:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5824215/miss-placed-nhs-tax-credit-exemption-certificate</loc><lastmod>2018-04-09T20:46:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5822584/housing-benefits-under-caution-letter</loc><lastmod>2018-04-09T19:29:46+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5822740/esa-and-work-pension-will-i-lose-some</loc><lastmod>2018-04-06T22:30:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5822553/claiming-esa</loc><lastmod>2018-04-06T20:03:22+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5821059/heating-help</loc><lastmod>2018-04-05T16:49:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5821710/some-councils-have-lower-hb-savings-limits</loc><lastmod>2018-04-05T16:22:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5819979/where-does-a-claimant-turn-to-for-professional-help</loc><lastmod>2018-04-05T16:21:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812040/wtc-to-uc-by-change-of-circumstance-warning</loc><lastmod>2018-04-05T16:00:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5821529/30-hr-free-childcare-and-rental-income</loc><lastmod>2018-04-05T10:24:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5821372/underpaid-backpay-from-esa-maybe</loc><lastmod>2018-04-05T09:58:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814378/compliance-officer-interview</loc><lastmod>2018-04-05T00:50:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5820934/missing-ni-credit</loc><lastmod>2018-04-04T21:52:50+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5820296/dwp-owe-me-20-000</loc><lastmod>2018-04-04T11:42:14+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5820777/new-benefits-rates-for-2018-19</loc><lastmod>2018-04-03T18:43:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5820582/job-seekers-contribution</loc><lastmod>2018-04-03T17:22:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5818359/pip-annual-award-letter</loc><lastmod>2018-04-03T16:02:06+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5820637/work-group-esa-appointment-text</loc><lastmod>2018-04-03T15:26:08+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5819716/esa-appeal-wrong-info-from-dwp</loc><lastmod>2018-04-03T13:14:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5819996/housing-benefit-advice</loc><lastmod>2018-04-02T16:52:09+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5820041/new-scottish-social-security-system</loc><lastmod>2018-04-01T21:27:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5820035/carers-allowance-carers-credits</loc><lastmod>2018-04-01T20:40:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5819169/happy-easter</loc><lastmod>2018-04-01T13:25:20+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5819729/tax-credits-overpayment-effect-on-housing-benefit</loc><lastmod>2018-03-31T20:24:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5819612/council-tax-help</loc><lastmod>2018-03-31T14:31:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5819344/tax-credits-award</loc><lastmod>2018-03-31T08:50:58+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5819160/help-need-to-make-universal-credit-claim-but-cant-close-new-claim-over-bank-holiday</loc><lastmod>2018-03-30T16:59:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5817239/prescription-penalty-charges-backdated</loc><lastmod>2018-03-30T12:51:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5819032/is-there-anyone-legal-people-who-can-help-with-an-esa-appeal-please</loc><lastmod>2018-03-30T12:39:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5819035/benefit-check-have-i-missed-something</loc><lastmod>2018-03-30T12:20:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813370/bonus-tax-salary-help</loc><lastmod>2018-03-30T08:07:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5819041/hb-reinstated</loc><lastmod>2018-03-29T19:19:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5818986/esa-appeal-and-dwp-bundle</loc><lastmod>2018-03-29T13:46:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811382/working-tax-credits</loc><lastmod>2018-03-29T10:12:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5818654/child-care</loc><lastmod>2018-03-29T05:11:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5818425/moving-house-child-tax-universal-credit</loc><lastmod>2018-03-28T19:25:45+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5818556/working-tax-credits-and-universal-credit</loc><lastmod>2018-03-28T18:51:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5818464/hmrc-tribunal-hearing-by-paper-or-attendance</loc><lastmod>2018-03-28T17:13:26+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5814234/mse-news-warning-if-the-state-helps-pay-your</loc><lastmod>2018-03-28T13:32:51+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5818068/tax-free-childcare-taxable-income-calculation</loc><lastmod>2018-03-27T20:14:29+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5818034/esa-back-payment</loc><lastmod>2018-03-27T18:59:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5817350/need-urgent-help-for-under-under-35-exception-rule</loc><lastmod>2018-03-27T16:28:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5817714/30-hours-funding-and-nhs-widening-access</loc><lastmod>2018-03-27T12:26:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5817646/housing-benefit-when-self-employed</loc><lastmod>2018-03-27T10:58:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5817621/esa-tribunal</loc><lastmod>2018-03-27T10:10:42+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5812549/dwp-help-with-mortgage-interest</loc><lastmod>2018-03-26T21:53:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5817188/can-my-p45-give-away-my-previous-employer</loc><lastmod>2018-03-26T19:00:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5817102/can-anyone-explain-savings-for-me</loc><lastmod>2018-03-26T18:59:17+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5817073/will-son-moving-in-with-us-affect-our-benefits</loc><lastmod>2018-03-26T15:56:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5817090/marriage-allowance</loc><lastmod>2018-03-26T15:30:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5801000/repaying-child-benefit-overpayment</loc><lastmod>2018-03-26T14:23:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810254/mse-news-childcare-vouchers-scheme-to-be-extended</loc><lastmod>2018-03-26T13:08:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5441536/car-salary-sacrifice-tax-code</loc><lastmod>2018-03-26T12:28:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5816899/dla-higher-rate-care-to-standard-pip-effect-on-esa</loc><lastmod>2018-03-26T12:15:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814523/benefits-guide-for-gps</loc><lastmod>2018-03-26T10:51:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5816603/pension-credit-overpayment</loc><lastmod>2018-03-26T09:13:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5815287/higher-child-benefit-charge-scared</loc><lastmod>2018-03-26T08:52:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812476/pip-appeals-information-help</loc><lastmod>2018-03-26T05:03:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5816502/benefit-to-provide-support-for-service-charges</loc><lastmod>2018-03-25T22:56:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810402/esa-and-occupational-pension</loc><lastmod>2018-03-25T17:53:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5816046/a-hypothetical-situation</loc><lastmod>2018-03-25T05:49:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5815198/jsa-may-have-dug-myself-into-a-hole</loc><lastmod>2018-03-25T00:01:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5815705/new-claim-help-i-dont-know-what-im-doing</loc><lastmod>2018-03-24T20:08:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814472/being-an-executor-on-benefits-advice-needed</loc><lastmod>2018-03-23T20:17:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5815532/adding-partner-to-esa-claim-help-needed</loc><lastmod>2018-03-23T12:18:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813484/carers-allowance</loc><lastmod>2018-03-23T10:56:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814824/universal-balls-up-sorry-credit</loc><lastmod>2018-03-23T08:50:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5815235/qualifying-for-maternity-allowance</loc><lastmod>2018-03-22T20:00:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814696/disabled-child-esa-maintenance</loc><lastmod>2018-03-22T19:34:22+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5804202/help-plase-interview-under-caution</loc><lastmod>2018-03-22T18:56:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5815064/alternative-phone-no-for-jcp</loc><lastmod>2018-03-22T17:55:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814971/cru-dwp-issues</loc><lastmod>2018-03-22T16:29:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811706/dwp-interview-under-caution</loc><lastmod>2018-03-22T14:58:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811352/pip</loc><lastmod>2018-03-22T14:34:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814737/want-to-increase-work-hours-but-cant-afford</loc><lastmod>2018-03-22T11:23:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814340/esa-claim</loc><lastmod>2018-03-22T08:48:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814572/trust-fund-and-benefits</loc><lastmod>2018-03-22T00:08:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814494/jsa</loc><lastmod>2018-03-21T23:23:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814070/benefits-after-finishing-university-confusion</loc><lastmod>2018-03-21T22:19:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811551/tax-credits-advice-big-change-in-circumstances</loc><lastmod>2018-03-21T20:24:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814376/tax-credits-messed-up-is-there-help-available</loc><lastmod>2018-03-21T19:39:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814399/esa-help-please</loc><lastmod>2018-03-21T18:05:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813984/moving-house</loc><lastmod>2018-03-21T17:52:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814147/nat-ins-credits-for-g-parents-child-c-vouchers</loc><lastmod>2018-03-21T15:53:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814002/medical-assessment-for-pension-credits</loc><lastmod>2018-03-21T14:04:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813471/help-with-employed-and-self-employed</loc><lastmod>2018-03-21T12:50:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5814184/ni-contributions-after-child-is-born</loc><lastmod>2018-03-21T10:33:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813688/wtc-ctc-all-new-to-me-and-need-advice</loc><lastmod>2018-03-21T08:35:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812840/child-tax-credits-overpayment-case-neep-help</loc><lastmod>2018-03-20T21:04:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813936/contribution-based-jsa-and-council-tax</loc><lastmod>2018-03-20T20:42:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813946/30hrs-free-childcare-when-self-employed</loc><lastmod>2018-03-20T20:35:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812977/off-sick-can-t-claim-ssp-esa-uc</loc><lastmod>2018-03-20T20:16:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813928/reduced-to-16hours</loc><lastmod>2018-03-20T19:52:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812490/0-points-on-pip-assessment-for-bipolar</loc><lastmod>2018-03-20T19:26:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813902/newly-single-parent-benefit-advice</loc><lastmod>2018-03-20T18:49:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813425/30-hour-free-childcare-being-capped</loc><lastmod>2018-03-20T15:33:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811524/dont-qualify-for-2-year-old-nursery</loc><lastmod>2018-03-20T13:51:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811574/huge-esa-overpayment</loc><lastmod>2018-03-20T07:30:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5813224/ex-living-in-jointly-owned-home</loc><lastmod>2018-03-19T23:59:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760489/severe-mental-impairment</loc><lastmod>2018-03-19T18:52:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812475/esa-back-payments</loc><lastmod>2018-03-19T17:26:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774737/joint-esa-claim-help-with-divorce-fees</loc><lastmod>2018-03-19T15:34:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812398/universal-credit-and-divorce</loc><lastmod>2018-03-19T13:39:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812655/child-benefit-overpayment-help</loc><lastmod>2018-03-19T13:14:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805219/esa-12-months-up-what-now</loc><lastmod>2018-03-19T08:53:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812555/child-tax-credit-for-20th-march-being-paid-early</loc><lastmod>2018-03-19T06:04:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802652/pip-upper-tribunal-request-any-advice-please</loc><lastmod>2018-03-19T00:55:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812186/inheritance-deprivation-of-capital-mental-health</loc><lastmod>2018-03-26T17:36:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812170/pip-change-of-circumstances-start-esa-to-uc</loc><lastmod>2018-03-18T23:37:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812343/how-can-tax-credits-estimate-be-so-wrong</loc><lastmod>2018-03-18T20:22:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812068/welfare-solicitor-in-southend-on-sea-area</loc><lastmod>2018-03-18T19:45:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812394/pip-awaiting-decision-report-arrived</loc><lastmod>2018-03-18T16:29:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812397/very-worried-about-pip-coa</loc><lastmod>2018-03-18T16:28:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812260/how-intrusive-is-pip-after-your-award</loc><lastmod>2018-03-18T15:23:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5710153/help-advice-with-esa</loc><lastmod>2018-03-18T09:22:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811948/old-housing-benefit-overpayment-letter</loc><lastmod>2018-03-17T22:10:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812046/can-it-be-so</loc><lastmod>2018-03-17T21:38:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812089/granting-benefit-how-long-does-ot-take</loc><lastmod>2018-03-17T20:43:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811103/please-help-wtc-taking-forever</loc><lastmod>2018-03-17T20:29:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5812050/pip-report</loc><lastmod>2018-03-17T18:39:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811342/data-matching-mistake</loc><lastmod>2018-03-17T16:32:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811870/pension-credit-severe-disability-premium-ca</loc><lastmod>2018-03-17T13:31:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811848/help-with-the-entitled-to-calculator-n-i</loc><lastmod>2018-03-17T12:58:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811448/ib-cb-jsa</loc><lastmod>2018-03-17T09:25:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811780/tax-credits-temporary-work</loc><lastmod>2018-03-17T09:13:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810122/am-i-eligible-for-a-grant-for-a-washing-machine</loc><lastmod>2018-03-16T22:47:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811208/congenital-heart-disease-dla-no-approved</loc><lastmod>2018-03-16T20:36:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811384/bedroom-tax-student</loc><lastmod>2018-03-16T20:07:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811104/what-unemployment-benefit-can-i-receive</loc><lastmod>2018-03-16T19:12:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800809/dwp-compliance-officer-refusing-to-return-forms</loc><lastmod>2018-03-16T11:52:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810186/tax-credits-and-childcare-vouchers</loc><lastmod>2018-03-15T22:09:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5811161/30-hrs-free-childcare</loc><lastmod>2018-03-15T21:08:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810970/son-leaves-college-now-looking-for-work</loc><lastmod>2018-03-15T20:43:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810620/esa-appeal-process</loc><lastmod>2018-03-15T09:22:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810125/deprevation-of-capital</loc><lastmod>2018-03-15T08:22:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807333/does-she-have-anything-to-worry-about</loc><lastmod>2018-03-15T08:20:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5809962/30-hr-chilcare-review</loc><lastmod>2018-03-15T03:17:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5809808/esa-going-to-tribunal</loc><lastmod>2018-03-14T20:44:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810548/esa-tribunal-what-do-i-do-next</loc><lastmod>2018-03-14T20:19:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803208/cold-weather-payment-timescale</loc><lastmod>2018-03-14T13:35:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810204/bereavement-support-payment-and-esa</loc><lastmod>2018-03-14T12:54:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808833/getting-married-query</loc><lastmod>2018-03-14T11:12:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810250/tax-credits-stopper-how-to-contact</loc><lastmod>2018-03-14T09:36:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5810273/private-pension-count-as-savings-for-credit</loc><lastmod>2018-03-14T09:26:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5809826/pip-section</loc><lastmod>2018-03-13T22:46:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5809772/best-way-to-manage-someone-elses-account</loc><lastmod>2018-03-13T13:33:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808367/resources-for-pip-appeal</loc><lastmod>2018-03-13T06:34:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808413/attendance-allowance-and-extra-pension-credit</loc><lastmod>2018-03-13T00:05:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808984/benefits-after-compensation-lump-sum</loc><lastmod>2018-03-12T21:44:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5809204/child-benefit-help</loc><lastmod>2018-03-12T21:36:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5809429/tax-credits-and-dla</loc><lastmod>2018-03-12T15:58:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5809186/tax-credit-and-pension-contributions</loc><lastmod>2018-03-12T12:33:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5809275/education-maintenance-allowance-and-savings-income</loc><lastmod>2018-03-12T11:57:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808521/re-universal-credit</loc><lastmod>2018-03-12T08:34:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806646/social-care-money-included-as-income-savings</loc><lastmod>2018-03-12T08:31:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808839/wtc-so-low-after-reducing-hours-to-care-for-child</loc><lastmod>2018-03-11T20:53:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5793948/council-tax-query</loc><lastmod>2018-03-11T19:47:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803230/pip-appeal-today-and-won</loc><lastmod>2018-03-11T17:03:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808514/esa-timescale</loc><lastmod>2018-03-11T13:35:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808048/housing-benefit-overpayment</loc><lastmod>2018-03-11T13:35:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808577/benefits-and-career-break</loc><lastmod>2018-03-11T13:04:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808779/universal-credit-replacing-tax-credits</loc><lastmod>2018-03-11T10:54:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808387/universal-tax-credit-advise</loc><lastmod>2018-03-10T19:34:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799067/esa-sg-reassessment</loc><lastmod>2018-03-10T17:49:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808448/sick-pay</loc><lastmod>2018-03-10T15:09:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806019/dad-owed-money-will-it-affect-pension-credit</loc><lastmod>2018-03-10T10:59:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808327/paying-of-mothers-mortgage-care-cost-concerns</loc><lastmod>2018-03-10T10:51:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808194/o-t-extra-earnings-wtc</loc><lastmod>2018-03-10T09:43:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807594/any-difference-between-new-style-esa-and-old-esa</loc><lastmod>2018-03-10T05:49:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808107/worked-hours-for-wtc</loc><lastmod>2018-03-09T21:29:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808183/sick-pay</loc><lastmod>2018-03-09T20:57:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5808115/esa-national-insurance-credits-backdated</loc><lastmod>2018-03-09T19:00:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807072/possible-gift-to-a-benefit-recipient</loc><lastmod>2018-03-09T15:17:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804543/pip-and-housing-benefit-living-at-home</loc><lastmod>2018-03-09T11:34:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807831/working-tax-credits-in-universal-credit-area</loc><lastmod>2018-03-09T08:36:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807801/just-need-some-advice-on-universal-credit</loc><lastmod>2018-03-09T07:39:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807182/pip-assessor</loc><lastmod>2018-03-08T22:04:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807611/new-enterprise-initiative-wtc</loc><lastmod>2018-03-08T21:26:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807595/moving-to-uc-after-first-housing-benefit-claim</loc><lastmod>2018-03-08T21:25:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806907/housing-benefit-one-off-bonus</loc><lastmod>2018-03-08T18:47:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807544/esa-claim-and-health-assessment-advice-please</loc><lastmod>2018-03-08T18:10:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807430/financial-statement-prep-help</loc><lastmod>2018-03-08T16:22:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807392/tax-credits-self-employed-illness-and-hours</loc><lastmod>2018-03-08T16:05:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806630/ending-tax-credits</loc><lastmod>2018-03-08T11:04:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5702619/esa-drama</loc><lastmod>2018-03-08T08:39:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807110/hmrc-annual-savings-tax-sent-to-dwp</loc><lastmod>2018-03-08T08:36:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806664/help-with-employer-and-childcare-vouchers</loc><lastmod>2018-03-07T23:50:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782724/pension-no-previous-address</loc><lastmod>2018-03-07T23:26:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803521/housing-benefit</loc><lastmod>2018-03-07T21:17:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5807005/reducing-hours</loc><lastmod>2018-03-07T20:42:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806364/housing-benefit-expert-assessor-needed</loc><lastmod>2018-03-07T19:55:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806958/child-tax-credit-and-child-benefit</loc><lastmod>2018-03-07T18:42:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805976/tax-credits-stopped</loc><lastmod>2018-03-07T15:11:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806789/mse-news-almost-two-million-to-receive-cold</loc><lastmod>2018-03-07T14:11:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806698/pip-questions</loc><lastmod>2018-03-07T11:49:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806400/confused-about-universal-credit</loc><lastmod>2018-03-07T06:32:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803834/cerebral-palsy</loc><lastmod>2018-03-06T18:40:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802572/pip-face-to-face-assessment-report</loc><lastmod>2018-03-06T18:08:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805605/how-do-i-use-my-30-mins-with-a-financial-advisor</loc><lastmod>2018-03-06T18:05:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806045/pip-mob-high-court-ruling-a-way-forward</loc><lastmod>2018-03-06T17:17:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805896/are-pension-savings-included-in-savings-limits</loc><lastmod>2018-03-06T16:11:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5806043/living-with-non-resident-and-benefits</loc><lastmod>2018-03-06T16:01:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805975/tax-credits-and-company-dividends</loc><lastmod>2018-03-06T15:57:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767988/reduced-council-tax-if-on-tax-credits</loc><lastmod>2018-03-06T12:17:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805517/child-tax-credits-seperated-but-living-together</loc><lastmod>2018-03-06T07:34:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805392/30-hours-childcare-how-is-income-assesed</loc><lastmod>2018-03-05T23:50:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805366/pip-application-and-now-esa-not-connected</loc><lastmod>2018-03-05T23:47:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805102/what-point-do-tax-credits-stop</loc><lastmod>2018-03-05T20:43:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804735/benefits-and-mortgage-confused</loc><lastmod>2018-03-05T20:28:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805463/bare-trust-accounts-and-benefits</loc><lastmod>2018-03-05T20:00:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5559578/housing-benefit-home-visit-anyone-else</loc><lastmod>2018-03-05T19:56:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805163/lha</loc><lastmod>2018-03-05T19:54:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804716/housing-benefit-and-starting-work</loc><lastmod>2018-03-05T19:52:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804794/disability-element-tax-credits</loc><lastmod>2018-03-05T19:46:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805135/childcare-and-tax-free-childcare</loc><lastmod>2018-03-05T19:33:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805254/dwp-appointee-what-will-it-involve</loc><lastmod>2018-03-05T17:03:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805210/ill-health-payout-and-tax-credits</loc><lastmod>2018-03-05T14:53:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5805063/self-employment-and-benefits</loc><lastmod>2018-03-05T11:30:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804904/income-tax-question-traveling-abroad</loc><lastmod>2018-03-05T05:54:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798700/esa-or-jobseekers-help-needed-for-a-relative</loc><lastmod>2018-03-04T23:31:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804715/new-esa-claim</loc><lastmod>2018-03-04T21:17:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804476/universal-credit-sham-7-weeks-wait</loc><lastmod>2018-03-04T19:11:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804333/sharing-a-house-with-relative-and-council-tax</loc><lastmod>2018-03-04T17:40:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804108/re-pip-fraud</loc><lastmod>2018-03-04T16:01:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804502/ssp-and-company-sick-scheme</loc><lastmod>2018-03-04T11:52:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804189/esa-and-inheriting-buying-a-home</loc><lastmod>2018-03-03T17:14:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803627/esa-support-group</loc><lastmod>2018-03-03T16:35:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5804112/pension-lump-sum</loc><lastmod>2018-03-03T16:17:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803031/seperated-but-under-the-same-roof</loc><lastmod>2018-03-03T15:07:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803711/difference-between-jsa-and-universal-credit</loc><lastmod>2018-03-03T10:03:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803504/somebody-paying-my-pension-when-on-tax-credits</loc><lastmod>2018-03-03T07:31:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802413/carers-allowance-and-universal-credit</loc><lastmod>2018-03-02T21:40:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802185/claiming-inheritance-claiming</loc><lastmod>2018-03-02T19:59:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803661/universal-credit-work-review-meeting-rescheduled</loc><lastmod>2018-03-02T18:13:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803577/are-there-any-benefits-or-loans-i-can-get-as</loc><lastmod>2018-03-02T17:24:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803210/12-weeks-and-still-waiting-for-first-jsa-payment</loc><lastmod>2018-03-02T08:17:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802981/uc-credit-bad-weather-and-signing-on</loc><lastmod>2018-03-01T22:56:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802649/advice-on-job-getting-off-esa-p45</loc><lastmod>2018-03-01T22:35:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5803002/moving-home-new-are-is-uc-think-ive-messed-form</loc><lastmod>2018-03-01T20:46:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802565/housing-benefit-roll-over</loc><lastmod>2018-03-01T16:58:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802345/pip-paperbased-assessment</loc><lastmod>2018-03-01T15:06:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802446/carers-allowance</loc><lastmod>2018-03-01T09:04:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802466/is-maternity-allowance-increasing</loc><lastmod>2018-03-01T07:49:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802076/help-what-time-should-esa-clear-in-ybs</loc><lastmod>2018-02-28T17:39:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5801819/turned-35-but-still-getting-shared-accom-payment</loc><lastmod>2018-02-28T14:37:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802288/can-child-tax-credits-be-backdated</loc><lastmod>2018-02-28T13:22:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5801925/a-family-sickness-confused-on-entitlement</loc><lastmod>2018-02-28T11:34:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802148/council-tax-discount-for-smi</loc><lastmod>2018-02-28T11:08:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802009/sap-when-does-28-weeks-run-from-and-to</loc><lastmod>2018-02-27T23:13:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5802035/personal-injury-52-week-disregard</loc><lastmod>2018-02-27T23:12:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5801955/capita</loc><lastmod>2018-02-27T19:59:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5801867/letter-form-tax-credits</loc><lastmod>2018-02-27T17:06:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5801863/calculating-tax</loc><lastmod>2018-02-27T16:09:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5759001/universal-credit-and-sdp-backpayment</loc><lastmod>2018-02-27T14:08:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800721/affects-to-benefits</loc><lastmod>2018-02-27T10:22:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798671/attendance-allowance-will-my-dad-get-it</loc><lastmod>2018-02-26T22:58:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5801071/jsa-and-saving-over-5500</loc><lastmod>2018-02-26T15:13:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800813/esa-physical-assessment-query</loc><lastmod>2018-02-26T14:19:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5801064/maternity-allowance-and-child-tax-credit</loc><lastmod>2018-02-26T13:39:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796717/wtc-and-dentistry</loc><lastmod>2018-02-26T11:23:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800958/sever-disablement</loc><lastmod>2018-02-26T11:22:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800796/company-car-private-mileage-claims</loc><lastmod>2018-02-26T10:01:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800745/esa</loc><lastmod>2018-02-25T20:54:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800428/war-widows-pension</loc><lastmod>2018-02-25T18:50:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800688/esa-appeal-and-smi</loc><lastmod>2018-02-25T17:50:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800652/a-break-in-contributions-based-esa</loc><lastmod>2018-02-25T14:32:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800625/esa-help</loc><lastmod>2018-02-25T13:15:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800583/pip-review</loc><lastmod>2018-02-25T11:32:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800578/company-pool-car-differences</loc><lastmod>2018-02-25T11:04:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5516798/letter-from-hmrc-re-tax-credits</loc><lastmod>2018-02-24T23:20:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5732127/bedroom-tax</loc><lastmod>2018-02-24T23:01:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800276/wca-reassessment</loc><lastmod>2018-02-24T21:11:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799859/contribution-based-esa</loc><lastmod>2018-02-24T18:40:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5498369/being-screwed-by-council-tax</loc><lastmod>2018-02-24T18:37:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799853/moving-to-universal-credit-area</loc><lastmod>2018-02-24T16:17:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5686734/could-my-dad-be-investigated-for-benefit-fraud</loc><lastmod>2018-02-24T13:19:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799693/benefits-pip-advice-needed</loc><lastmod>2018-02-24T09:50:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5800040/new-smi-loan</loc><lastmod>2018-02-23T23:53:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799958/housing-benefit</loc><lastmod>2018-02-23T21:14:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799782/paying-into-pension-when-on-benefits</loc><lastmod>2018-02-23T19:38:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778744/possible-pension-credit-overpayment</loc><lastmod>2018-02-23T12:50:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799357/claiming-esa-abroad</loc><lastmod>2018-02-23T12:48:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799185/childcare-vouchers</loc><lastmod>2018-02-23T09:21:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798922/fil-in-hospital</loc><lastmod>2018-02-23T07:16:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798258/dla-to-pip</loc><lastmod>2018-02-22T23:00:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799327/can-my-son-claim-jsa</loc><lastmod>2018-02-22T22:36:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796759/asking-pip-to-look-at-award-again</loc><lastmod>2018-02-22T21:28:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799042/inheritance-and-tax-credits</loc><lastmod>2018-02-22T17:22:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799150/savings-allowed-if-on-working-tax</loc><lastmod>2018-02-22T16:44:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799121/won-pip-appeal</loc><lastmod>2018-02-22T15:27:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799075/salary-sacrifice-tax-credits-and-housing-benefit</loc><lastmod>2018-02-22T14:50:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798140/bedroom-tax</loc><lastmod>2018-02-22T14:44:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799078/transferring-childcare-voucher-benefit</loc><lastmod>2018-02-22T14:28:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5799015/budgeting-loan</loc><lastmod>2018-02-22T13:44:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798115/if-uc-sanction-appeal-is-successful</loc><lastmod>2018-02-22T12:13:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798547/am-i-entitled-to-benefits</loc><lastmod>2018-02-22T10:51:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798775/claiming-tax-credits-as-working-for-my-ltd-company</loc><lastmod>2018-02-22T06:23:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798811/tax-credits-threshold</loc><lastmod>2018-02-22T06:16:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798740/tax-credits-tribunal-tomorrow</loc><lastmod>2018-02-22T05:48:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798551/esa-for-disabled-16-year-old</loc><lastmod>2018-02-21T17:45:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797672/ex-partner-says-he-needs-to-know-my-income</loc><lastmod>2018-02-21T05:56:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797730/ca-dla</loc><lastmod>2018-02-21T03:17:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797152/pip-assessment-advice-needed</loc><lastmod>2018-02-21T03:10:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5791454/universal-credit-mental-health</loc><lastmod>2018-02-20T21:58:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5798077/dwp-tribunal-decision-ignored</loc><lastmod>2018-02-20T21:41:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797633/pip-stress</loc><lastmod>2018-02-20T19:01:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797966/pip-basic-rate-and-car-tax</loc><lastmod>2018-02-20T17:23:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797789/18-year-old-studying-for-hnc-2years</loc><lastmod>2018-02-20T16:16:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796589/unexpected-windfall-and-in-sheltered-housing</loc><lastmod>2018-02-20T12:41:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797797/esa</loc><lastmod>2018-02-20T10:16:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797720/reclaiming-paid-back-maternity-pay</loc><lastmod>2018-02-20T06:11:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797651/tax-with-two-jobs</loc><lastmod>2018-02-19T23:00:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797476/carers-allowance</loc><lastmod>2018-02-19T22:36:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797620/gip</loc><lastmod>2018-02-19T20:03:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797390/higher-income-child-benefit-charge</loc><lastmod>2018-02-19T16:47:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797299/employer-refusing-to-accept-childcare-voucher-entr</loc><lastmod>2018-02-19T14:58:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786809/kmax1985-new-thread-esa-sdp</loc><lastmod>2018-02-19T13:42:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796915/unusual-request-mandatory-reconsideration-esa</loc><lastmod>2018-02-19T13:05:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797057/universal-credit-help</loc><lastmod>2018-02-19T05:58:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796075/from-universal-credit-to-working-tax-credit</loc><lastmod>2018-02-19T00:34:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796876/need-payslip-to-claim-carers-allowance</loc><lastmod>2018-02-18T21:55:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5797020/pip</loc><lastmod>2018-02-18T20:19:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796796/overpaid-on-income-support</loc><lastmod>2018-02-18T14:54:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796750/tax-free-childcare-or-salary-sacrafice-help</loc><lastmod>2018-02-18T14:44:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795540/20-year-old-income-support-overpayment</loc><lastmod>2018-02-18T10:47:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795854/get-dad-from-one-council-house-borough-to-another</loc><lastmod>2018-02-18T08:31:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5547014/appealing-dwp-income-support-overpayment-decision</loc><lastmod>2018-02-18T04:40:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5761976/help-needed-what-are-we-entitled-too</loc><lastmod>2018-02-18T00:18:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796363/travelling-alone-claiming-pip-and-esa</loc><lastmod>2018-02-17T23:29:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796745/tax-credit-renewal</loc><lastmod>2018-02-17T21:36:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796721/esa-setting-up-a-company</loc><lastmod>2018-02-17T20:52:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796504/help-needed-short-term-benefits</loc><lastmod>2018-02-17T19:36:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795557/childcare-choices</loc><lastmod>2018-02-17T18:53:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796531/esa50-completed-for-reassessment-but-heard-nothing</loc><lastmod>2018-02-17T18:17:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5796658/single-occupancy-council-tax-discount</loc><lastmod>2018-02-17T17:57:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795867/hardship-claim-bank-statement-help-needed</loc><lastmod>2018-02-17T17:50:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795864/pip-assessment</loc><lastmod>2018-02-17T14:28:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795901/dla-after-death</loc><lastmod>2018-02-17T08:05:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795941/universal-credit</loc><lastmod>2018-02-17T05:28:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794983/a-strange-one</loc><lastmod>2018-02-16T15:58:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795902/working-tax-credit-as-part-time-self-employed</loc><lastmod>2018-02-16T13:37:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795031/got-pip-appeal-date-at-long-last</loc><lastmod>2018-02-15T21:57:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795482/dwp-address-confusion-should-i-be-worried</loc><lastmod>2018-02-15T20:09:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794413/pc-claim</loc><lastmod>2018-02-15T19:37:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795217/esa-stopped</loc><lastmod>2018-02-15T17:15:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794642/unintentional-benefit-fraud</loc><lastmod>2018-02-15T16:04:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794705/pip-tribunal-help-w-potential-questions</loc><lastmod>2018-02-15T15:46:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795270/ib-to-esa-migration-payment-messed-up</loc><lastmod>2018-02-15T15:41:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5795106/child-benefit</loc><lastmod>2018-02-15T15:32:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794680/appeal-procedure-for-uc-sanction</loc><lastmod>2018-02-14T22:46:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5793254/hardship-on-uc</loc><lastmod>2018-02-14T22:41:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789583/can-dwp-stop-all-her-benefits</loc><lastmod>2018-02-14T20:26:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794792/deputy-or-appointee-to-manage-finances</loc><lastmod>2018-02-14T19:24:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794628/esa-medical-only-in-there-15-minutes</loc><lastmod>2018-02-14T18:43:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794553/selling-house-money-in-account-until-buy-a-new-one</loc><lastmod>2018-02-14T16:14:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794317/mse-news-tax-free-childcare-extended-to</loc><lastmod>2018-02-15T17:12:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790727/smi-loan-charges-on-lang-registry-and-rights</loc><lastmod>2018-02-13T23:32:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5794060/freedom-pass</loc><lastmod>2018-02-13T22:40:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5792362/bank-balance-limits-and-benefits</loc><lastmod>2018-02-13T15:42:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5793602/child-tax-credits-renewal-did-i-miss-it</loc><lastmod>2018-02-13T14:49:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5793210/income-support-and-carers-allowance</loc><lastmod>2018-02-13T13:33:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790836/energy-assist-ofgem-save</loc><lastmod>2018-02-13T08:59:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5792825/jsa-to-become-self-employed</loc><lastmod>2018-02-13T08:24:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5793225/adoption-allowance</loc><lastmod>2018-02-12T22:59:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5793129/smi-changes-in-april-2018</loc><lastmod>2018-02-12T20:25:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774149/what-does-hmrc-accept-as-legitimate-employment-for-tax-credits-purposes</loc><lastmod>2018-02-12T16:16:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5792621/uc-with-zero-hour-contract</loc><lastmod>2018-02-12T12:28:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5792530/worling-tax-credit-and-minimum-earnings</loc><lastmod>2018-02-12T10:04:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5792561/can-my-parents-pay-my-mortgage-when-smi-stops</loc><lastmod>2018-02-12T08:00:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789686/what-can-i-claim</loc><lastmod>2018-02-11T23:11:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5792524/free-eye-test-and-other-benefits-esa</loc><lastmod>2018-02-11T22:37:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790468/dwp-overpayment-living-dying-abroad</loc><lastmod>2018-02-11T21:00:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5791975/mothers-new-pension-and-deprivation-of-capital</loc><lastmod>2018-02-11T20:36:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5749869/moving-from-esa-to-universal-credit</loc><lastmod>2018-02-11T20:26:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5792081/maternity-pay</loc><lastmod>2018-02-11T14:32:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5791296/budgeting-loan-form-flag-4medical</loc><lastmod>2018-02-11T13:29:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5792121/help-with-new-baby-claim</loc><lastmod>2018-02-11T13:01:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5791785/income-support-question</loc><lastmod>2018-02-11T00:30:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790872/would-a-change-in-job-and-income-trigger-uc</loc><lastmod>2018-02-10T12:32:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5791706/local-service-compliance-letter</loc><lastmod>2018-02-10T11:27:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5791681/mortgage-relief-jsa</loc><lastmod>2018-02-10T10:23:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5791564/wtc-taxable</loc><lastmod>2018-02-10T10:17:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5791171/car-benefit</loc><lastmod>2018-02-09T11:51:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790660/funeral-expenses-payment</loc><lastmod>2018-02-09T00:28:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5783294/local-compliance-interview-dla</loc><lastmod>2018-02-08T23:19:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5763065/pip</loc><lastmod>2018-02-08T23:14:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789197/mother-in-law-in-care-home</loc><lastmod>2018-02-08T22:47:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790875/daughters-pip-tribunal-today</loc><lastmod>2018-02-08T21:55:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790649/jsa-include-debt-in-savings-declaration</loc><lastmod>2018-02-08T20:56:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790394/esa-has-been-stopped</loc><lastmod>2018-02-08T20:23:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790753/lost-job-mortgage-payments</loc><lastmod>2018-02-08T19:16:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5788197/lower-rate-attendance-allowance</loc><lastmod>2018-02-08T18:35:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5731517/esa-and-private-pension</loc><lastmod>2018-02-08T17:48:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790040/paying-for-mothers-care-home-when-joint-owner</loc><lastmod>2018-02-08T16:42:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790570/child-at-universaty</loc><lastmod>2018-02-08T14:55:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790347/still-not-heard-about-sdp-claim</loc><lastmod>2018-02-08T14:50:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790567/council-tax-benefit-supporting-documents</loc><lastmod>2018-02-08T14:07:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790615/child-tax-credits-renewals</loc><lastmod>2018-02-08T12:26:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790117/personal-injury-trust-needed-for-pensioner</loc><lastmod>2018-02-08T11:46:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789722/inheritance</loc><lastmod>2018-02-08T11:31:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790426/dwp-witness-statement</loc><lastmod>2018-02-08T07:55:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789916/i-want-to-know-if-this-is-considered-benefit-fraud</loc><lastmod>2018-02-07T23:22:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789981/having-to-stop-work-what-benefits-might-i-receive</loc><lastmod>2018-02-07T21:17:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790212/a-little-bit-of-positivity</loc><lastmod>2018-02-07T20:52:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790306/hou-mortgage-interest-help-stopping-april-2018</loc><lastmod>2018-02-07T19:27:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5790171/doctor-needed-for-wca</loc><lastmod>2018-02-07T15:07:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789689/higher-tax-band</loc><lastmod>2018-02-07T09:17:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789731/working-tax-credits-overpayment</loc><lastmod>2018-02-07T07:58:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789501/trigger-of-universal-claim</loc><lastmod>2018-02-07T06:54:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789803/part-time-selfemployed-on-esa-housing-benefits</loc><lastmod>2018-02-07T06:02:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789295/sipp-personal-pension-redundancy-benefits</loc><lastmod>2018-02-06T21:28:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787641/hb-moving-to-a-shared-accom</loc><lastmod>2018-02-06T18:29:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789576/wtc</loc><lastmod>2018-02-06T18:12:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789353/universal-credit-and-savings</loc><lastmod>2018-02-06T12:53:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5788532/employee-has-doctors-certicficate-but-very-fit</loc><lastmod>2018-02-06T12:33:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787737/need-advice-re-esa-being-terminated</loc><lastmod>2018-02-06T11:57:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5788973/benefits-and-state-pension</loc><lastmod>2018-02-06T06:38:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5788970/money-for-children</loc><lastmod>2018-02-06T00:19:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789107/received-the-dreaded-pip-1043-form-so-stressed</loc><lastmod>2018-02-06T00:12:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789100/child-and-working-tax-credit</loc><lastmod>2018-02-05T19:44:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5788625/what-classes-as-a-change-of-circumstances-tax-cred</loc><lastmod>2018-02-05T19:31:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5789079/hotwinehouse-tax-credits-query</loc><lastmod>2018-02-05T19:02:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787490/maternity-pay-calculation</loc><lastmod>2018-02-05T16:19:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5788960/esa-query</loc><lastmod>2018-02-05T15:17:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780420/wtc-director-company-profit</loc><lastmod>2018-02-05T13:54:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5788451/inheritance-impact</loc><lastmod>2018-02-05T12:09:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5788731/housing-benefit</loc><lastmod>2018-02-05T05:27:02+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5787907/benefits</loc><lastmod>2018-02-03T23:59:15+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5788040/housing-benefit-recieve-esa-and-pip</loc><lastmod>2018-02-03T17:20:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785426/esa-arrears-and-do-i-need-to-telllocal-authority</loc><lastmod>2018-02-03T16:22:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5788172/esa-and-self-employed</loc><lastmod>2018-02-03T12:50:22+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5787304/missed-phonecall-with-dwp-very-concerned</loc><lastmod>2018-02-02T20:44:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787801/esa-tribunal</loc><lastmod>2018-02-02T18:56:51+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5787509/service-charges-and-unemployment</loc><lastmod>2018-02-02T09:34:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787340/tax-credits-renal</loc><lastmod>2018-02-01T17:30:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787316/elderly-mum-with-dementia-which-pension-credit</loc><lastmod>2018-02-01T16:37:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787249/when-to-tell-hmrc-about-future-income-change</loc><lastmod>2018-02-01T15:09:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787246/child-care-tax-credits</loc><lastmod>2018-02-01T14:23:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787136/no-income-support-due-to-partners-savings</loc><lastmod>2018-02-01T13:02:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5787076/pip-rejection</loc><lastmod>2018-02-01T10:25:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786478/re-pip-mobility</loc><lastmod>2018-02-01T08:12:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786067/advice-on-esa-quitting-work</loc><lastmod>2018-02-01T01:40:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786720/universal-credi-sanction-reconsideration-time</loc><lastmod>2018-01-31T18:17:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785038/request-for-bank-statements</loc><lastmod>2018-01-31T15:25:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786212/nominated-driver-for-relatives-mobility-scheme-car</loc><lastmod>2018-01-31T14:08:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786218/child-benefit-help</loc><lastmod>2018-01-31T09:41:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786120/company-car-schemes</loc><lastmod>2018-01-30T22:04:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786087/pip-home-assessment-queries</loc><lastmod>2018-01-30T21:42:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785977/childcare-vouchers-and-tax-free-childcare</loc><lastmod>2018-01-30T21:39:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786187/childcare-voucher-scheme-should-i-enrol</loc><lastmod>2018-01-30T21:44:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786184/self-employed-working-tax-credits-ni</loc><lastmod>2018-01-30T21:37:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784695/so-i-finally-for-my-esa-medical-date</loc><lastmod>2018-01-30T18:17:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785933/money-from-dad-affect-benefits</loc><lastmod>2018-01-30T17:14:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5786018/uc-decision-makers</loc><lastmod>2018-01-30T17:06:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5734896/esa-question</loc><lastmod>2018-01-30T15:51:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785393/universal-credit-tax-credit-query</loc><lastmod>2018-01-30T12:41:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785738/re-pip</loc><lastmod>2018-01-30T10:54:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785765/esa-question</loc><lastmod>2018-01-30T10:36:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785152/contacting-hmrc</loc><lastmod>2018-01-30T08:22:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784814/why-do-working-couples-choose-one-to-work-16-hours</loc><lastmod>2018-01-30T08:01:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782753/universal-credit-help-advice-needed</loc><lastmod>2018-01-29T22:11:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785068/advice-on-an-industrial-injury-benefit-claim</loc><lastmod>2018-01-29T21:46:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785216/car-allowance-and-tax</loc><lastmod>2018-01-29T15:44:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785176/esa-and-changing-address</loc><lastmod>2018-01-29T11:27:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784900/ctc</loc><lastmod>2018-01-29T05:53:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784406/definition-of-non-dependant</loc><lastmod>2018-01-29T01:25:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5785030/industrial-injurys-benefit</loc><lastmod>2018-01-28T22:25:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784292/council-tax-support-and-universal-credit-are-a-nightmare-each-month</loc><lastmod>2018-01-28T09:01:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780477/carers-allowance</loc><lastmod>2018-01-28T01:22:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784628/maternity-allowance-help-please</loc><lastmod>2018-01-27T22:38:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784334/jsa-overpayment-savings</loc><lastmod>2018-01-27T22:34:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5783234/help-please-esa-and-hb-stopped</loc><lastmod>2018-01-27T18:43:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5783290/when-tax-credit-changes-triggers-universal-credit</loc><lastmod>2018-01-27T15:46:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784286/child-dla-and-tax-credits-uc</loc><lastmod>2018-01-27T12:28:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784146/occupational-maternity-pay</loc><lastmod>2018-01-27T12:02:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782433/free-car-but-not-so-straightforward</loc><lastmod>2018-01-27T11:31:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5784197/tax-credits-overpayment-and-pip</loc><lastmod>2018-01-27T09:15:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5783115/esa-work-focus-interviews-for-60yr-old</loc><lastmod>2018-01-27T04:48:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5783740/carers-premium</loc><lastmod>2018-01-26T20:41:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5783755/tax-credits-nat-ins-credit-low-income</loc><lastmod>2018-01-26T15:37:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5783407/self-employed-uc-deliveroo</loc><lastmod>2018-01-26T12:19:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5783421/from-ni-to-england</loc><lastmod>2018-01-26T10:14:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5773362/universal-credits-and-leaving-self-employment</loc><lastmod>2018-01-26T09:33:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5783310/national-insurance-contributions</loc><lastmod>2018-01-25T21:00:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782823/income-protection-and-claiming-esa</loc><lastmod>2018-01-25T13:11:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782817/self-employed-full-time-carer</loc><lastmod>2018-01-25T10:29:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780780/pip-questions</loc><lastmod>2018-01-25T00:13:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782642/am-i-getting-the-right-amount</loc><lastmod>2018-01-24T23:16:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779921/esa</loc><lastmod>2018-01-24T22:23:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782470/tax-credits-help-please</loc><lastmod>2018-01-24T18:55:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5781609/company-car-allowance-purchasing-a-car</loc><lastmod>2018-01-24T18:41:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782048/mortgage-interest-phone</loc><lastmod>2018-01-24T18:28:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782281/30-hour-free-childcare</loc><lastmod>2018-01-24T16:39:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780846/tax-credit-headache</loc><lastmod>2018-01-24T15:07:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782057/understanding-p60-to-help-with-benefits-calculator</loc><lastmod>2018-01-24T14:33:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5782046/moving-from-self-employment-to-full-time-employed</loc><lastmod>2018-01-24T14:26:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5781894/tax-credit-to-universal-credit</loc><lastmod>2018-01-24T13:35:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5605989/dwp-harassment</loc><lastmod>2018-01-24T11:59:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5781418/pension-credit-first-payment-made-but-no-letter-from-dwp</loc><lastmod>2018-01-24T08:59:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779979/esa-support-group-placement-under-review-after-only-one-month</loc><lastmod>2018-01-23T22:43:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5781103/jsa-v-pilon-that-isnt-really-pilon</loc><lastmod>2018-01-23T19:52:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780834/medical-exemption-for-me-and-my-wife-help-pls</loc><lastmod>2018-01-23T17:48:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765948/fun-games-with-the-dwp</loc><lastmod>2018-01-23T17:36:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780871/complicated-redundancy-and-self-employed-and-job-seekers</loc><lastmod>2018-01-23T17:06:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5781209/housing-benefit-lha-shared-or-1-bed-rate</loc><lastmod>2018-01-23T16:55:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780677/partner-giving-up-work</loc><lastmod>2018-01-23T12:51:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780861/info</loc><lastmod>2018-01-23T10:24:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780805/mortgage-interest-payment-deducted-from-jsa</loc><lastmod>2018-01-22T22:52:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778755/savings-credit-and-rent-council-tax-rebates</loc><lastmod>2018-01-22T20:41:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768989/pip-mandatory-reconsideration</loc><lastmod>2018-01-22T16:39:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780590/housing-benefit-question</loc><lastmod>2018-01-22T16:30:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780585/bizarre-new-final-awards-notice-for-2013-14-arrived-today</loc><lastmod>2018-01-22T15:49:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780497/nhs-ppc-cards-and-esa</loc><lastmod>2018-01-22T14:24:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780336/moving-from-lodgers-to-airbnb-how-is-lha-hb-affected</loc><lastmod>2018-01-22T13:55:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5766188/tax-credits-renewal</loc><lastmod>2018-01-22T11:08:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780374/voluntarily-paying-class-2-ni-yes-or-no</loc><lastmod>2018-01-22T11:02:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5777834/uc-overpayment</loc><lastmod>2018-01-22T07:08:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5769169/uc-questions-and-answers</loc><lastmod>2018-01-21T22:34:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780071/council-tax-credit-and-illness</loc><lastmod>2018-01-21T22:32:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778887/uc-pension-conts</loc><lastmod>2018-01-21T20:18:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5777042/salary-sacrifice-car-lease-and-maternity-pay</loc><lastmod>2018-01-21T18:25:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779996/benefits-calculator-partner-moving-in</loc><lastmod>2018-01-21T17:28:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779439/married-couples-allowance-and-extra-earnings</loc><lastmod>2018-01-21T17:05:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779808/another-benefits-savings-limit-question-please-read</loc><lastmod>2018-01-21T13:55:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779574/car-allowance-and-fuel-card</loc><lastmod>2018-01-21T11:43:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779801/will-money-increase</loc><lastmod>2018-01-21T07:50:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774231/money-left-in-will</loc><lastmod>2018-01-20T22:29:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5763790/receiving-pension-credit-what-happens-at-65</loc><lastmod>2018-01-20T20:01:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779281/breakfast-and-after-school-club-for-universal-credit</loc><lastmod>2018-01-20T19:52:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779476/who-does-ni-credits-and-contributions</loc><lastmod>2018-01-20T19:08:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778798/studying-while-on-esa-pip</loc><lastmod>2018-01-20T18:58:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779389/self-assessment-as-director-with-a-day-job</loc><lastmod>2018-01-20T18:54:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779299/psychological-distress-when-planning-journey-going-out</loc><lastmod>2018-01-20T18:21:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779278/who-is-liable-for-council-tax</loc><lastmod>2018-01-20T18:01:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5779220/self-assessment-child-benefit-ltd-company</loc><lastmod>2018-01-20T14:34:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778211/tax-free-childcare-or-vouchers-cant-work-it-out</loc><lastmod>2018-01-20T08:15:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778940/couple-of-quick-questions-re-wca</loc><lastmod>2018-01-19T22:29:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778046/pip</loc><lastmod>2018-01-19T21:25:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771032/council-tax</loc><lastmod>2018-01-19T20:05:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778817/redundancy-payment-tax-credits</loc><lastmod>2018-01-19T18:48:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778463/asset-received-in-a-will-worried-about-impact-on-benefits</loc><lastmod>2018-01-19T18:45:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776375/ex-gratia-vs-jsa-payments</loc><lastmod>2018-01-19T16:29:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778462/statutory-sick-pay-for-agency-workers</loc><lastmod>2018-01-19T12:13:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778233/tax-credit-overpayment</loc><lastmod>2018-01-19T07:19:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776638/working-tax-credits-confused</loc><lastmod>2018-01-19T06:47:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776662/called-in-for-medical-assessment-after-winning-esa-appeal</loc><lastmod>2018-01-19T01:07:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775898/anyone-self-employed-on-universal-credit</loc><lastmod>2018-01-18T23:47:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5777237/unemployment-universal-crrdit</loc><lastmod>2018-01-18T23:38:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778106/hb-when-do-they-date-payments-from</loc><lastmod>2018-01-18T23:36:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5777825/what-happens-to-working-tax-credits-when-you-retire</loc><lastmod>2018-01-18T22:17:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774548/dwp-chasing-debt-for-overpayment-of-jobseekers-allowence</loc><lastmod>2018-01-18T21:28:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5777829/tax-and-carers-allowance</loc><lastmod>2018-01-18T21:23:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775600/carers-premium-overpayment</loc><lastmod>2018-01-18T20:39:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778092/housing-benefit-change-of-circumstances</loc><lastmod>2018-01-18T20:08:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5778073/claiming-jsa-after-leaving-job</loc><lastmod>2018-01-18T19:45:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776193/tax-credits-disregard-and-gift-aid</loc><lastmod>2018-01-18T16:02:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776645/esa-claim-denied</loc><lastmod>2018-01-18T10:25:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776767/income-on-uc-help-please</loc><lastmod>2018-01-18T08:38:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5777100/clothing-for-interviews</loc><lastmod>2018-01-18T08:36:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772684/universal-credit-dual-claim-with-new-style-esa</loc><lastmod>2019-12-22T09:11:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776968/esa-and-ni-contirbutions-help-please</loc><lastmod>2018-01-17T21:05:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5777340/appling-for-housing-benefit</loc><lastmod>2018-01-17T20:46:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775829/anyone-with-experience-in-how-fast-maternity-allowance-is-processed</loc><lastmod>2018-01-17T20:10:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5754074/sip-shares-and-working-tax-credits</loc><lastmod>2018-01-17T18:40:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5773408/child-turning-18-c-800-a-month-lost</loc><lastmod>2018-01-17T00:31:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775263/national-insurance-contributions-transfer</loc><lastmod>2018-01-16T22:44:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776338/esa-and-pip</loc><lastmod>2018-01-16T22:39:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776215/help-with-seperation-problems</loc><lastmod>2018-01-16T22:29:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776074/child-benefit-until-20th-birthday-in-f-t-education-then-what</loc><lastmod>2018-01-16T22:29:25+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776181/can-a-deed-of-variation-leave-benefits-unaffected</loc><lastmod>2018-01-16T22:09:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775572/employing-wife-to-reduce-tax-bill</loc><lastmod>2018-01-16T20:25:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775838/help-not-enough-money-for-living</loc><lastmod>2018-01-16T19:02:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5669192/desperate-no-money-big-problems</loc><lastmod>2018-01-16T15:46:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776310/housing-benefit-and-capital</loc><lastmod>2018-01-16T15:22:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776100/housing-benefit-lha-help</loc><lastmod>2018-01-16T14:41:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775610/pip-and-working</loc><lastmod>2018-01-16T14:16:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774865/what-benfits-do-you-whilst-on-smp</loc><lastmod>2018-01-16T14:13:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776190/shared-bedroom-rate-housing-benefit-amount</loc><lastmod>2018-01-16T13:13:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776206/mse-news-tax-free-childcare-extended-to-include-children-under-nine</loc><lastmod>2018-01-16T12:27:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775890/housing-benefit-entitled-to</loc><lastmod>2018-01-16T12:04:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774312/tax-credits-when-director-of-ltd-company</loc><lastmod>2018-01-16T11:35:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5776061/child-benefit-family-allowance</loc><lastmod>2018-01-16T10:54:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775355/attendance-allowance-and-tax-allowance</loc><lastmod>2018-01-16T09:37:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775394/have-i-overpaid-tax-on-interest-received-on-bank-compensation</loc><lastmod>2018-01-15T21:02:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5773721/homeless-universal-credit</loc><lastmod>2018-01-15T19:56:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774832/new-loan-instead-of-housing-benifit</loc><lastmod>2018-01-15T18:05:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775418/separation-who-gets-tax-credits-and-child-benefits</loc><lastmod>2018-01-15T15:10:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5496039/question-about-taxing-car-when-disabled-on-dla</loc><lastmod>2018-01-15T09:28:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775108/worried-about-returning-esa50</loc><lastmod>2018-01-15T01:58:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775217/moving-to-a-new-area-that-hasn-t-rolled-out-universal-credit-yet</loc><lastmod>2018-01-14T22:40:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768551/possible-esa-overpayment</loc><lastmod>2018-01-14T22:21:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5640044/single-mum-unemployed-and-owning-a-house</loc><lastmod>2018-01-14T21:35:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5775197/partner-moving-in-with-me-while-i-live-with-parents</loc><lastmod>2018-01-14T19:34:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762978/esa-health-and-work-conversation-question</loc><lastmod>2018-01-14T18:43:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774685/wife-has-passed-away-joint-tax-credits-cancelled-now-have-to-claim-uc</loc><lastmod>2018-01-14T13:49:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771070/esa-and-pip-advice</loc><lastmod>2018-01-14T11:40:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774253/wifes-lack-of-nics</loc><lastmod>2018-01-14T11:02:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774304/old-versus-new-esa</loc><lastmod>2018-01-14T10:52:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774720/self-employed-tax-credits</loc><lastmod>2018-01-14T10:19:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5700146/joint-esa-claim-who-would-be-best-claiming</loc><lastmod>2018-01-14T09:48:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774738/pip-review-experiences-wanted</loc><lastmod>2018-01-13T23:08:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774794/tax-credits-new-situation</loc><lastmod>2018-01-13T21:01:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5622400/esa-help-please</loc><lastmod>2018-01-13T18:30:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774401/esa-moving-to-a-new-home-but-still-to-sell-main-property</loc><lastmod>2018-01-13T17:59:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774254/pip-backdated-seems-too-little</loc><lastmod>2018-01-13T16:06:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774473/prescription-penalty-benefit-confusion</loc><lastmod>2018-01-13T11:28:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774097/maternity-pay-ect</loc><lastmod>2018-01-13T09:00:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771907/can-landlord-claim-wtc</loc><lastmod>2018-01-13T07:08:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5773664/esa-backpay</loc><lastmod>2018-01-13T01:16:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770537/help-advice-nhs-penalty-charge</loc><lastmod>2018-01-12T16:21:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5774256/wifes-lack-of-nics</loc><lastmod>2018-01-12T15:47:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5773814/please-may-i-have-some-advice</loc><lastmod>2018-01-12T07:56:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5773533/losing-money-on-universal-credit-advice</loc><lastmod>2018-01-12T05:38:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772955/universal-credit-self-employed-housing-element</loc><lastmod>2018-01-11T22:15:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5773765/council-tax-support-claim-joint-accounts-with-partner-who-has-moved-to-care-home</loc><lastmod>2018-01-11T20:33:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767279/workplace-lottery</loc><lastmod>2018-01-11T10:31:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5769165/universal-credit-missed-appointment</loc><lastmod>2018-01-11T03:12:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772333/housing-element-on-universal-credit</loc><lastmod>2018-01-11T03:09:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772789/esa-reassessment-vs-return-to-work</loc><lastmod>2018-01-10T20:02:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772554/housing-benefit-calculation-query</loc><lastmod>2018-01-10T19:10:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772928/parents-financial-help</loc><lastmod>2018-01-10T17:10:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772879/universal-credit-and-zero-hours-contracts</loc><lastmod>2018-01-10T16:29:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772904/single-parent-self-employment-tax-credits</loc><lastmod>2018-01-10T11:12:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767675/mse-news-hmrc-website-glitch-means-parents-are-being-told-they-arent-eligible</loc><lastmod>2018-01-10T09:39:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772372/grant-for-white-goods</loc><lastmod>2018-01-09T19:39:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772559/want-to-declare-savings-but-worried</loc><lastmod>2018-01-09T19:36:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771279/is-this-benifit-fraud</loc><lastmod>2018-01-09T18:49:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771851/please-help-tax-credits-and-universal-credits</loc><lastmod>2018-01-09T17:50:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772493/sdp</loc><lastmod>2018-01-09T16:54:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5772352/best-childcare-voucher-provider</loc><lastmod>2018-01-09T12:56:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771895/how-do-i-cancel-my-esa-pip</loc><lastmod>2018-01-09T12:27:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767873/council-tax-reduction-given-but-only-if-you-apply-online</loc><lastmod>2018-01-09T11:24:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771869/pensions-and-means-tested-benefits</loc><lastmod>2018-01-09T08:24:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771819/carers-allowance-and-working</loc><lastmod>2018-01-08T20:08:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771560/giant-step-back-to-work-i-think</loc><lastmod>2018-01-08T19:50:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5769873/can-i-get-bennifits</loc><lastmod>2018-01-08T18:45:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770019/is-this-fraud</loc><lastmod>2018-01-08T18:44:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770470/62-year-old-mum-and-autistic-brother-benefits-help</loc><lastmod>2018-01-08T12:47:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5771076/what-is-sdp</loc><lastmod>2018-01-08T10:07:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770170/housing-help</loc><lastmod>2018-01-08T09:49:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770267/when-can-i-apply</loc><lastmod>2018-01-08T09:19:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770598/housing-benefit</loc><lastmod>2018-01-08T09:43:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765643/wtc-uc</loc><lastmod>2018-01-07T22:01:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770447/self-employed-voluntary-national-insurance-contributions</loc><lastmod>2018-01-07T20:28:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5769710/96-year-old-gran-and-benefit-advice-can-you-advise</loc><lastmod>2018-01-07T16:44:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770086/care-home-fees</loc><lastmod>2018-01-07T16:19:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770092/universal-credit-sanctions</loc><lastmod>2018-01-07T13:42:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5770144/inheritance</loc><lastmod>2018-01-07T13:14:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5769853/sick-pay</loc><lastmod>2018-01-06T20:46:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5769186/severe-disability-premium</loc><lastmod>2018-01-06T20:17:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5769058/claim-esa-or-something-else</loc><lastmod>2018-01-06T18:32:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5769534/claiming-esa-and-in-support-group-but-wife-got-to-go-to-meeting-advice</loc><lastmod>2018-01-06T16:54:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5766082/staying-under-100k-to-keep-15-30-hours-free-childcare</loc><lastmod>2018-01-06T14:56:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768838/first-child-on-the-way-what-are-we-entitled-to</loc><lastmod>2018-01-06T00:40:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5769035/paying-tax-for-brief-period-of-self-employment</loc><lastmod>2018-01-05T21:13:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767374/jsa-cant-claim-if-have-a-child</loc><lastmod>2018-01-05T20:09:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768890/benefits-and-remand-query</loc><lastmod>2018-01-05T16:45:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768269/is-child-maintenance-enough</loc><lastmod>2018-01-05T11:36:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767986/visiting-abroad-on-universal-credit</loc><lastmod>2018-01-05T07:53:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768450/universal-credit-and-savings</loc><lastmod>2018-01-05T00:11:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768520/entitlement-to-new-style-esa</loc><lastmod>2018-01-04T22:46:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768001/high-income-child-benefit-and-paye</loc><lastmod>2018-01-04T20:05:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767783/universal-credit-commitments-meeting-tomorrow-please-help</loc><lastmod>2019-12-22T09:12:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768314/adding-childcare-to-tax-credits-claim</loc><lastmod>2018-01-04T16:50:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768240/mse-news-mps-to-scrutinise-childcare-service-website-as-part-of-inquiry</loc><lastmod>2018-01-04T12:50:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5768211/carers-allowance-my-situation-eligible</loc><lastmod>2018-01-04T12:17:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5694486/esa-support-group-and-received-esa50</loc><lastmod>2018-01-04T03:51:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767273/housing-benefit-on-state-pension</loc><lastmod>2018-01-03T22:32:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767858/pension-credit-charitable-trust-as-capital</loc><lastmod>2018-01-03T20:47:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767844/tax-credits-overpayment-now-wrong-i-think</loc><lastmod>2018-01-03T19:12:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767677/change-of-circumstances</loc><lastmod>2018-01-03T14:39:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767210/is-this-legal</loc><lastmod>2018-01-03T13:05:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767033/lost-an-intestine-and-therefore-work-struggling-to-get-any-benefits</loc><lastmod>2018-01-03T09:07:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767298/do-you-think-i-should-get-my-mp-invovled-esa</loc><lastmod>2018-01-02T22:21:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5756210/critical-illness-payout-will-this-affect-my-tax-credits</loc><lastmod>2018-01-02T19:56:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5766618/pip-review-timescale</loc><lastmod>2018-01-02T19:46:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5645519/atos-assessment-for-pip-i-know-they-are-gonna-trick-me-but-how</loc><lastmod>2018-01-02T19:33:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5767191/dwp-and-dissipation-of-assets</loc><lastmod>2018-01-02T18:49:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765620/part-time-job-and-tax-credits</loc><lastmod>2018-01-02T15:10:39+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5766732/benefits-and-hospital-stay</loc><lastmod>2018-01-02T10:18:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5766794/when-is-payment-due</loc><lastmod>2018-01-02T07:48:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5763914/are-they-entitled-to-pension-credit</loc><lastmod>2018-01-02T01:22:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765219/dla-due-2nd-help-pls</loc><lastmod>2018-01-01T19:48:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5766504/esa-and-passport</loc><lastmod>2018-01-01T19:33:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765276/new-years-resolution</loc><lastmod>2018-01-01T16:16:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764372/tax-credits-with-variable-working-hours</loc><lastmod>2018-01-01T15:33:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765567/can-my-friend-claim-contribution-based-esa-while-in-receipt-of-working-tax-credits</loc><lastmod>2018-01-01T01:26:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5766360/how-much-worse-better-off-will-you-be-on-uc</loc><lastmod>2017-12-31T23:41:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5683644/is-paying-off-a-mortage-depreciation-of-capital</loc><lastmod>2017-12-31T15:01:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765694/tax-credit-and-pension</loc><lastmod>2017-12-31T12:53:32+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5765910/guaranteed-pension-credit-concern</loc><lastmod>2017-12-30T21:15:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765912/claiming-unemployment-benefit-after-self-employment</loc><lastmod>2017-12-30T19:04:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765985/esa-payment-due-2nd-of-jan</loc><lastmod>2017-12-30T18:53:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764861/taking-a-sabbatical-to-study-full-time</loc><lastmod>2017-12-30T18:29:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765700/housing-benefit-extended-payments</loc><lastmod>2017-12-30T08:15:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764710/nhs-penalty-charge-notice</loc><lastmod>2017-12-29T22:44:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765613/self-employment-and-wtc</loc><lastmod>2017-12-29T21:32:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765628/clarification-on-change-of-circumstances</loc><lastmod>2017-12-29T19:03:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765037/universal-credit-no-first-appointment</loc><lastmod>2019-12-22T09:13:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765485/pip-carers-allowance-universal-credit</loc><lastmod>2017-12-29T14:38:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765489/benefit-advice-needed</loc><lastmod>2017-12-29T12:55:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764894/nltahaw-tax-credits</loc><lastmod>2017-12-29T12:09:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765184/working-tax-credit-over-payment</loc><lastmod>2017-12-29T10:40:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764899/capital-disregards</loc><lastmod>2017-12-28T22:51:53+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765028/change-of-address-and-dla-claim-reassed</loc><lastmod>2017-12-28T18:27:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5765095/dwp-requested-bank-statements-too-much-in-savings-vulnerable-adult</loc><lastmod>2017-12-28T17:29:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764305/child-tax-credits-nightmare</loc><lastmod>2017-12-28T16:49:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764849/personal-injury-trust</loc><lastmod>2017-12-28T16:39:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5763415/benefit-entitlement-after-being-out-of-uk-for-12-weeks</loc><lastmod>2017-12-28T14:17:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764852/disability-never-claimed-for-what-options-are-they</loc><lastmod>2017-12-27T23:11:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764853/day-care</loc><lastmod>2017-12-27T21:43:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764439/will-my-housing-benefit-be-cut-off-when-i-get-married</loc><lastmod>2017-12-27T16:21:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5764188/smi-doc-wanted-fee-to-sign-form</loc><lastmod>2017-12-25T21:04:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5763944/means-tested-pension</loc><lastmod>2017-12-25T15:27:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5597633/tribunal-question</loc><lastmod>2017-12-24T15:09:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5763755/new-claim-for-tax-credits</loc><lastmod>2017-12-23T20:40:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5763314/carer-on-benefit</loc><lastmod>2017-12-23T16:28:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5755481/contribution-based-esa-rapid-reclaim-linking-rules</loc><lastmod>2019-12-22T09:14:32+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762378/false-deductions-from-universal-credit</loc><lastmod>2017-12-22T22:46:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762853/dwp-smi-loan-conversion</loc><lastmod>2017-12-22T22:32:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5763331/universal-credit</loc><lastmod>2017-12-22T20:06:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5759095/paying-debts-with-inheritance-deprivation-of-capital</loc><lastmod>2017-12-22T20:05:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760346/universal-credit-live-area-change-of-circumstances</loc><lastmod>2017-12-22T16:45:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5755480/pip-review</loc><lastmod>2017-12-22T13:12:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5763191/relationship-and-benefits</loc><lastmod>2017-12-22T11:59:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762425/chistmas-and-new-year-payments</loc><lastmod>2017-12-22T09:27:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762251/help-please-panicing</loc><lastmod>2017-12-21T19:09:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5757621/resigned-need-help-benefits-n-cycle-to-work-scheme</loc><lastmod>2017-12-21T18:05:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762935/question-regarding-change-in-circumstance-in-esa-uc</loc><lastmod>2017-12-21T16:31:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762816/esa-and-going-back-to-work</loc><lastmod>2017-12-21T10:38:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762161/smi</loc><lastmod>2017-12-21T07:38:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762038/so-confused-how-will-this-affect-my-benefits</loc><lastmod>2017-12-20T23:51:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762328/thrown-off-esa-onto-jobseekers</loc><lastmod>2017-12-20T23:43:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762398/pip-backdated-appeal-paper-hearing-waiting</loc><lastmod>2017-12-20T23:37:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762155/can-i-claim-esa</loc><lastmod>2017-12-20T23:14:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762303/advice-severe-disability-premium</loc><lastmod>2017-12-20T23:04:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762334/moving-from-dla-to-pip</loc><lastmod>2017-12-20T14:00:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5761806/tax-free-childcare</loc><lastmod>2017-12-20T11:38:34+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5762213/eu-national-jsa-to-uc-migration</loc><lastmod>2017-12-20T09:18:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5761799/uc-and-changes</loc><lastmod>2017-12-20T06:06:56+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5762007/dwp-and-recovery-of-compensation-epitome</loc><lastmod>2017-12-19T22:26:43+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5762011/what-can-i-claim</loc><lastmod>2017-12-19T20:11:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762073/universal-credit-minimum-work-requirements</loc><lastmod>2017-12-19T20:02:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5762044/esa-wca-reassessment-experience</loc><lastmod>2017-12-19T19:14:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5761999/filling-in-pip-form-for-a-friend</loc><lastmod>2017-12-19T18:03:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760248/nhs-exempt-cert-please-help</loc><lastmod>2017-12-19T14:32:07+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5761922/esa-and-income</loc><lastmod>2017-12-19T13:27:12+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5761519/uc-tax-credits-pip-and-working</loc><lastmod>2017-12-18T20:01:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5761236/self-employed-writer</loc><lastmod>2017-12-18T18:59:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760451/having-to-claim-pip-during-an-existing-claim-is-it-legal</loc><lastmod>2017-12-18T16:42:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5761359/will-family-paying-mortagage-interest-affect-benefits</loc><lastmod>2017-12-18T14:00:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760399/are-we-really-only-entitled-to-jsa</loc><lastmod>2017-12-17T14:50:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760989/pip-appeal</loc><lastmod>2017-12-17T12:43:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760797/pip-update-and-story</loc><lastmod>2017-12-17T00:24:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760664/national-insurance-contributions</loc><lastmod>2017-12-16T15:39:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760406/child-benefit-tax-credit</loc><lastmod>2017-12-16T11:29:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760479/help-with-tax-credit</loc><lastmod>2017-12-16T09:09:11+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5759777/2-adults-on-enhanced-care-pip-and-council-tax-exemption</loc><lastmod>2017-12-15T20:06:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5760432/tax-free-childcare-query</loc><lastmod>2017-12-15T18:57:48+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5759565/what-can-you-claim-if-your-employer-goes-into-liquidation</loc><lastmod>2017-12-15T05:55:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5631612/does-dwp-have-authority-to-look-at-bank-statements-without-permission</loc><lastmod>2017-12-14T21:55:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5759504/pip-assesor-report-and-dwp-report-different</loc><lastmod>2017-12-14T18:18:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5759748/state-pension-and-tax</loc><lastmod>2017-12-14T16:51:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5759301/tax-credit-for-zero-hour-contract</loc><lastmod>2017-12-14T12:17:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5759328/tax-credit-ended</loc><lastmod>2017-12-14T07:15:44+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5759436/am-i-liable-for-universal-credit-overpayment</loc><lastmod>2017-12-13T18:48:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5515369/dwp-and-bank-statements</loc><lastmod>2017-12-13T15:01:27+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5758649/christmas-new-year-payment-dates</loc><lastmod>2017-12-12T22:54:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5758727/esa-advice-please</loc><lastmod>2017-12-12T22:19:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5758495/esa-holiday-more-than-28days</loc><lastmod>2017-12-12T22:00:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5758972/pip-backdated-money</loc><lastmod>2017-12-12T19:15:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5758950/universal-credits</loc><lastmod>2017-12-12T18:46:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5720270/esa-work-assessment</loc><lastmod>2017-12-11T22:14:44+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5757820/urgent-help-id-theft-hmrc-benefit-claims</loc><lastmod>2017-12-11T12:54:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5739652/will-we-be-entitled-too-any-benefits</loc><lastmod>2017-12-11T07:09:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5757343/pip-assessment</loc><lastmod>2017-12-10T20:33:15+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5757877/pension</loc><lastmod>2017-12-10T12:45:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5757125/reporting-fraud</loc><lastmod>2017-12-09T23:01:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5757643/10-christmas-bonus</loc><lastmod>2017-12-09T22:49:21+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5757578/uc-and-self-assesment</loc><lastmod>2017-12-09T12:07:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5757543/pension-guarantee-credit</loc><lastmod>2017-12-09T11:06:16+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5754923/what-can-money-savings-be-spent-on-for-esa-purposes</loc><lastmod>2017-12-08T13:35:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5756980/can-hmrc-check-your-visa-credit-card-transactions</loc><lastmod>2017-12-08T23:22:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5756782/esa-will-be-able-to-claim-after-universal-credit-claim</loc><lastmod>2017-12-08T10:07:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5726117/backdating-council-tax-exemption-severely-mentally-impaired-decision</loc><lastmod>2017-12-08T23:17:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5756897/widow-benefits</loc><lastmod>2017-12-07T20:06:20+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5755997/eesa-help-please</loc><lastmod>2017-12-07T12:36:11+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5756218/sole-trader-how-does-it-effect-benefits</loc><lastmod>2017-12-07T09:03:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5748675/benefits-and-supported-accommodation</loc><lastmod>2017-12-07T07:33:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5756368/tax-credit-check</loc><lastmod>2017-12-06T21:41:46+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5754920/council-tax-exemption-backpayment-and-esa</loc><lastmod>2017-12-06T13:10:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5754933/am-i-finically-better-in-supported-living-or-living-on-my-own</loc><lastmod>2017-12-06T11:39:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5646226/working-tax-credit-and-illness-self-employed</loc><lastmod>2017-12-06T10:14:56+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5752663/i-get-pip-now-what-else-can-i-get</loc><lastmod>2017-12-05T16:40:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5755631/housing-benefit-eligible-rent-question</loc><lastmod>2017-12-05T16:10:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5755230/help-please-worked-for-30-years-but-illness-has-struck-me-down</loc><lastmod>2017-12-05T14:37:26+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5755168/area-changing-to-universal-credit-existing-nil-award-claim-for-child-tax-credits</loc><lastmod>2017-12-05T08:44:22+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5724957/huge-tc-overpayment-thats-wrong</loc><lastmod>2017-12-04T12:59:24+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5751782/smi</loc><lastmod>2017-12-04T12:23:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5754937/working-on-benefits</loc><lastmod>2017-12-04T12:14:48+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5753856/issues-with-hb-and-council-tax</loc><lastmod>2017-12-02T11:36:45+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5752327/nhs-penalty-charge-notice-received-another-victim</loc><lastmod>2017-11-30T20:15:33+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5752685/tribunal-qs</loc><lastmod>2017-11-30T14:57:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5752222/esa-and-starting-a-new-business</loc><lastmod>2017-11-30T13:37:58+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5752388/esa-anyone-had-there-payment-today</loc><lastmod>2017-11-30T08:47:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5743411/esa-help</loc><lastmod>2017-11-29T23:43:43+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5751309/esa-to-jsa</loc><lastmod>2017-11-29T20:33:21+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5752012/claiming-benefits-with-a-domestic-violence-po-box</loc><lastmod>2017-11-29T18:33:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751744/marriage-tax-allowance</loc><lastmod>2017-11-29T15:30:17+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5751736/gov-uk-email</loc><lastmod>2017-11-28T21:48:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751193/attendance-allowance-claim</loc><lastmod>2017-11-28T20:10:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751629/dwp-pension-credit-claim-from-fathers-estate</loc><lastmod>2017-11-28T18:32:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751632/esa-backdated-payment</loc><lastmod>2017-11-28T15:36:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751583/working-in-family-shop</loc><lastmod>2017-11-28T15:21:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751426/unemployed-not-claiming-benefits</loc><lastmod>2017-11-28T12:43:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5677212/invited-to-compliance-interview-benefit-fraud</loc><lastmod>2017-11-28T11:18:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751492/child-benefit</loc><lastmod>2017-11-28T11:12:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751084/confused-esa-whilst-awaiting-tribunal</loc><lastmod>2017-11-28T10:49:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751068/universal-credit-or-tax-credit-help</loc><lastmod>2017-11-28T10:29:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5751208/tax-credits-income-help</loc><lastmod>2017-11-28T06:18:45+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5750550/universal-credit-advice</loc><lastmod>2017-11-27T17:42:25+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5750942/pip-appeal-now-23-weeks-wait</loc><lastmod>2017-11-27T12:14:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5750898/signing-on-process-how-long-from-end-date</loc><lastmod>2017-11-27T11:11:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5750904/hmrc-letter</loc><lastmod>2017-11-27T10:02:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5750405/first-universal-credit</loc><lastmod>2017-11-27T07:35:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5750622/does-council-tax-go-down-if-you-lose-a-bedroom</loc><lastmod>2017-11-27T02:40:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5749816/claiming-jsa-while-partner-works-zero-hours-contract</loc><lastmod>2017-11-26T13:48:31+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5747270/esa-work-capability-reassessment-tomorrrow-no-esa50-was-required</loc><lastmod>2017-11-23T23:17:38+00:00</lastmod></url>
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