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Original poster

Uc and debt

5 replies

Wellthatwassilly · 30/01/2021 13:43

Hi everyone im after some advice regarding uc. Im still waiting on our claim processing but theres a few things that will be taken off our entitlment, the advance payment, rent and also i have an overpayment for hmrc. My question is in regards to the hmrc overpayment, is there a certain limit to the amount they can take of uc per month to pay this back or is the sky the limit? Im worried with the rent ( which i didnt need nor want them to pay) and the advance, that the overpayment payments will wipe out our entitlement!

OP posts:
Babyroobs · 30/01/2021 15:06

Is your rent going straight to your landlord? there is a limit for HMRC overpayments, sorry I can't remember exactly what it is but if you find it too much you can ask debt management if they can reduce the repayments.

crapcrap · 30/01/2021 15:15

You can phone them and ask them to lower the monthly repayments. If you get it through and it's too much, contact them.
There's a group on fb called universal credit survival which I find very helpful when I have questions. Might be worth a look?

Original poster
Wellthatwassilly · 30/01/2021 18:17

@Babyroobs yes they are paying the rent directly to the landlord for some reason. Not all the rent just a portion of it then ive to pay the rest

OP posts:
Precipice · 30/01/2021 18:25

Did you not decide that it would go to the landlord? I'm also on UC now and it's only a portion of it (just over 3/5) (their estimate of how much it "should" cost are a laugh!) like you, but I had the choice about whether it went direct or just to me. It was a question that showed up on the 'to do' part near the beginning of the claim (I think in the 5 week period). It won't show up again to be changed, but you could ask them to change it.

I don't see the benefit in general to it going directly to the landlord and in cases where you too are paying some, it makes even less sense than otherwise.

Hwory · 31/01/2021 12:03

It's between 15% and 25% of your standard allowance.

Standard allowance
Your circumstances Monthly standard allowance
Single and under 25 £342.72
Single and 25 or over £409.89
In a couple and you’re both under 25 £488.59 (for you both)
In a couple and either of you are 25 or over £594.04 (for you both)

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