Hi all, I’m really stressed out at the moment and getting into a right state. I receive universal credit and currently don’t work due to mental health difficulties, I also receive pip. I’ve been trying to save money for reasons I’ll mention below and uc have now told me I need to update my details (I assume they’re going to review my account). I’ve just gone over the savings limit and I’m now really scared they’ll stop my universal credit.
I’ve always been really anxious when it comes to money as I’ve previously been in debt due to a bad relationship. Start of last year I was told I most likely have endometriosis and I’ve not been able to convince for nearly 2 years, I’m on a nhs waiting list but the wait times are very long. I was originally trying to save some money to buy myself a car as I struggle to get out the house with my anxiety/paranoia so it’d help, however after being told about the endometriosis and having fertility issues I decided I instead should save for private surgery. I desperately want surgery as I’m scared the longer I wait the worse it’ll get and I’m scared I’ll be fully infertile.
Universal credit have my old phone number and I’ve been unable to update my number as you have to do it in person and I struggle to get out the house. They sent me an email two weeks ago about a note in my journal, I can’t login due to no longer having my old number so I had to call them to see what it was about. I had another email today, called them again and have been told my account needs updating and as I didn’t reply to the message on my journal they’ve suspended my payments. I’m waiting for someone to contact me in a few days to talk about my account details etc but I’m terrified they’ll stop my uc due to the savings I have. I had 7.5k saved but after bills etc I now currently have 6.6k so I’m just over the limit, as mentioned I’m trying to save for private surgery, my partner told me that I can save on uc but after now researching it seems you have to declare anything over 6k and I’m over that amount.
I’m beyond anxious and panicking that they’ll take my savings or completely stop my payments, obviously I was using some money to save but a lot of it was for basic things in life and I wouldn’t get by without it. I’m dreading the person phoning me and I know I’m going to be a mess when they’re talking to me, I really wanted to save for my surgery as not being able to conceive is killing me but I don’t know what will happen now.