I am not looking for angry comments at me, just genuine advice.
2022 I was on Tax credits and I got divorced. I got X amount of money which was reported correctly and used in June 2023 to buy a house, leaving me with about 8k in savings.
May 2024 I was moved over to UC where all accounts and savings were declared.
Fast forward to yesterday where I have a Compliance call with UC (basically in the Fraud arena) who have recieved HMRC figures for 2023/2024 which shows that I had savings over 16k thst year.
They are concerned that because I had savings then that I might have had savings I didn’t declare when I applied. Went through all my accounts and gave current amounts and explained I had had that money, but that I used it to buy a house and it was prior to my UC claim and that when they get the 2024/2025 tax details they will see that.
Not good enough and they have asked for permission to contact all my banks and get statements for that tax year so they can “see” if the money went.
Is this right? I wasn’t even on UC then, I was on Tex credits and I declared all the interest I received, so it’s clear there was money.
Im not concerned because I know exactly where and when the money went and nothing will be found, but it seems a bit long reaching for UC to be able to check for a period of time when I wasn’t even claiming it? The rules for Tax credits were different, so I wasn’t doing any thing wrong then either?