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AIBU?

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Original poster

Very anxious about upcoming UC review - anyone have any knowledge?

31 replies

Pumpkinpastie · 23/04/2026 10:16

We have our UC review phone calls on Friday (separately as we have different accounts) and the last day of our assessment period is also the day my partner gets his wages. So occasionally our overall balance goes very slightly over £6k on last day of assessment period, because of his wage, but then reduces back down again very quickly once bills, mortgage and other living costs come out.

Is this going to negatively impact us?

Thanks in advance, really stressing about this

OP posts:
Original poster
Pumpkinpastie · 23/04/2026 10:58

Yes that’s correct. My DP is on a low wage - gets less than £2k a month. When his income comes in it briefly pushes us over the £6k then goes back down again.
We have a buffer of a couple of grand because we have a mortgage, we don’t receive any housing help so we like to have a back-up in case we end up being unable to pay mortgage/bills. I receive UC and PIP too.

I know these reviews are necessary but they feel so intrusive.

OP posts:
underthehawthorntree · 23/04/2026 10:58

Still..

We don't get UC and we don't have any "buffer" or savings for when the boiler breaks. We just have to hope the boiler doesn't break! Surely UC shouldn't be to support people who have enough money to live on plus enough to save for emergencies each month? Or am I missing something?

BudgetBuster · 23/04/2026 10:54

underthehawthorntree · 23/04/2026 10:51

You get UC when you have over 6k coming in each month?! That can't be right?

That's not what the OP said. The balance sometimes (i.e. not always) goes over the £6k.

I would take that to mean that they have a buffer in the account, and when wages are paid in (e.g. £3k) then the buffer plus wages go over the £6k. The buffer might be there for months at a time and might fluctuate depending if the car needs work or if the the boiler broke etc.

underthehawthorntree · 23/04/2026 10:51

You get UC when you have over 6k coming in each month?! That can't be right?

Amy437 · 23/04/2026 10:50

We had ours a few months ago, they queried certain transactions on the bank accounts, ie if we'd paid in any amounts of cash. They then put a note in the journal and asked for our bank balances at the end of the assessment period to calculate our capital.

Original poster
Pumpkinpastie · 23/04/2026 10:45

Just wondering if anyone knows anuth My about the ‘rules’
. I’ve got a feeling the wages and benefits don’t become capital until the following assessment period they were received in. But I’m not 100% sure.

OP posts:
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