Universal credits - are they paying me too much

[TulipVictory]

I normally work part time & my husband full time. Currently on unpaid leave part of maternity leave and struggling to get by. Applied for universal credits. Husbands wage, £1800-£1900. I'm currently receiving £0. I have three children but it says they are paying some towards the first two. Mortgage over £700. I was expecting maybe £200. What they have said today is they will be paying me a little over £1000. Don't get me wrong I am absolutely thrilled with this I was struggling to get by with less than £30 a week on food until I return to work in December. Is this right? I don't want to have to spend it and have to pay it back.

I didn't claim during my other mat leaves as I did not realise I could. I still have a credit card from where I struggled with my second child 🙈

They will ignore £515 of earnings - a work allowance as you have children and no help with housing costs. After that reduce UC by 63p for each £1 earned (a taper). The Chancellor announced that the work allowance and taper are becoming more generous - about £40 more allowance and 55p taper, not sure when

www.gov.uk/universal-credit/how-your-earnings-affect-your-payments

www.google.co.uk/amp/s/inews.co.uk/news/universal-credit-taper-rate-uplift-u-turn-rishi-sunak-budget-2021-changes-explained-1270000/amp

Sounds like the £1000 is the figure without deductions. I have worked out that on net pay of £1900, you should receive £156.94 Uc per month.

@CoastalWave

You won't get any if my experience was correct.

Husband lost his job so zero income. I earn £1200.

We received nothing. Our household bills are £2k before we even eat.

I just can't see how if you bring in £600 more than we do, you'll get anything sorry.

I might add, they did initially pay us. 3 months later they said they'd overpaid us by £900 and could they have the whole lot back. Just warning you!

Maybe you have less kids than op, or you have savings ?

Op it sounds like your dh's wages haven't been deducted? Is it a new job?

@Babyroobs yes as of September

[quote TulipVictory]@Babyroobs yes as of September [/quote]
Ok so maybe your partners first wages were reported after your Uc assessment period end date in which case they wouldn't be counted ? that could be why you will receive your full Uc this month with no deductions. What are your assessment period dates and when was your partner paid?

@Babyroobs Assessment period: 1 October to 31 October 2021. He was paid the 25th

[quote TulipVictory]@Babyroobs Assessment period: 1 October to 31 October 2021. He was paid the 25th [/quote]
Ok so his wages should definitely have been counted unless there has been some problem with his employer reporting them late. I would give them a call.

if the last day of your assessment period is 31st October, then I assume your payment date is 7 th November , meaning you will receive payment this friday as if payment date is on a weekend you will receive payment on friday. I would try to call them before then to try to get it rectified.

@Babyroobs I phoned them and they just told me to put a note under payments on the journal 😬

No saving and we have 2 kids.

Honestly, UC are worse than WTC and that's saying something. PERSONALLY I wouldn't take anything if you can live without that £100 odd quid they might be offering you.

I can 100% guarantee they will want it back. You couldn't actually PAY ME now to sign up to either of those services!

I would stick with it. in a few weeks the taper rates will be reducing so you will get more money from UC. Sounds like this is a glitch and your partners wages may have not been reported properly or on time, which is not the fault of UC.

Dh take home 1800 me 0
3 dcs
Only 2 counted
Rent 950

We get 1011

@GrabTheDayByTheBalls

Dh take home 1800 me 0 3 dcs Only 2 counted Rent 950

We get 1011

You get help with rent. Those with mortgage like the OP can only ask for a loan to help with mortgage interest.

According to my calculation you should get £177.21/month. Very close to MrsGeoWolf's calculation, all the same figures except the deduction for "excess earnings" is £852.28 (£1352.84 x 0.63).

Do you have any childcare costs? Presumably not while on maternity leave?

I take home 1600ish my husband brings home around 1900 our rent is 1450 we have 2 children and we are entitled to something like £11 a month.