Have I committed fraud?

Its disregarded, I know this as I worked for UC. If you have savings of more than 6K it will effect your benefits.

You do know that millions of people on universal credit work? You're just being awful for the sake of it.

Indeed they don't.
I was referring to those whose uc benefits will be the same as those who get cms also

That makes no sense. She would have still been in debt.
Paying off debt is not a deprivation of capital.

But I think you are just being a bitch and trolling. Get your kicks elsewhere.

Gosh, maybe next time you could pay back the taxpayer? Just a suggestion …

She is a single mum to 3 kids. She is pretty busy looking after them.

What's not fair is the absent parents who get away with not paying CM.

For some reason, the government won't take it on. If absent parents were pulled over the coals and forced to tip up, then it wouldn't have needed to be changed.

You don't need to declare cash gifts. Only if it takes your capital above £6k.

Do you think someone should log into their UC journal to tell them that an aunt sent them £20 for their birthday?

And with all your account management skills, OP, perhaps you should get a job? Asking for a friend …

This is illuminating. I’ve just had a look and, somewhat unbelievably, if you receive UC and CM, the CM doesn’t count as income and your UC is untouched.

This doesn’t seem fair. If your children are being supported by your exes, why should the taxpayer also support them in full on top? And what about parents who never had a partner - they just get UC and not necessarily CMS.

I think you should declare your additional accounts anyway and also the money your father gives you.

But what do I know? I’m just an additional-rate tax-paying mug who goes out every day to support this circus!!! 😂😱

I didn't say she was commiting fraud. I said they asked me about the accounts I was transferring the money in and out of. Oh yes, I forgot I had those accounts...isn’t very helpful. I forgot I had a Help to Save account and they picked up on that. You are meant to give details of all of your bank accounts and savings and ISA's and whatever else. That's the point of the check.

Yes they are. I would hope the OP goes over to reddit rather than here

I totally agree. I would never post on here asking for advice on benefits, but then MN is all some people have.

The benefit subs on Reddit are far better, kinder, and accurate. There have been lots of posts on there about bank accounts that have not been declared so chances are someone in the same boat as OP has asked about it and got proper advice.

Child Maintenance is NOT counted. People commenting that you are committing fraud need to wind their necks in and stop being spiteful when they understand nothing about the system. Please just give them ALL the bank statements. As long as you have less than £6,000 in saving and have declared all your earnings you have done absolutely nothing wrong.

Just going to post this. There seems to be a lot of experts on here who seem to know everything about everything

The OP posted saying she was worried sick and look at the vote and the comments she's had

I suffer from anxiety and ptsd and I would never ever post a thread like this - and someone also said earlier in the thread this is why we despise people on benefits.

I'm personally on benefits because of a life changing accident. If people have nothing positive or factual to say step out - because the OP is worried enough

There won't be a further lengthy review. If someone is already being asked to hand in bank statements all they need to do is hand in the others

Why not show it to them then and let them disregard it. Simples.

You have not committed fraud. You just jeed to declare them. Child.maintenance is disregarded when workong out uc. It may open a further lengthy review though.

Thank you so much! 😂😂

Ok fair point, I read the bill, yes people are very naive
the OP is not going to be in trouble, but you are correct highlighting the powers introduced
I apologise

There is nothing wrong with that. Some people like to have an account just for their bills and direct debits. Some people have a holiday fund one, or one for treats, or one for their kids.

I have my main account that is for bills that I make sure always has the right money in, and another treats, days out etc. Basically for the non-essentials. Of course I move money between them. That is perfectly normal.

I apologise. Sorry to the OP who was asking a genuine question. It’s a tough time for all of us and this thread has touched a nerve but I understand I shouldn’t have commented as it was rude and unnecessary.

Did you not read the part where they said “people must be bored making all this cloak and dagger stuff up”? In a direct response to my comment.

And?
she isn’t pretending they don’t exist

That's also irrelevant. It's quite normal to have more than one account and transfer money across to others. She's not committing fraud no matter how many people on here think she is