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Packpayment uc savings bank checking help

3 replies

Roadyjoe22 · 14/11/2023 07:14

i just posting this again just to see any body else’s replies etc as still not heard back from UC

Hi, in March - April this year I received 3 separate large sum payments backdated from UC and DLA for my disabled child, I was owned this money plus back dated carers element. My claim for DLA took a long time and a few things with UC where messed up, which means i was missing out on money I was owed, anyway this all got sorted and I was back paid a payment of £9000 from UC and a psyment of around 2000 from UC also and then DLA was around 2000 backdated. I already had 3 thousand in savings which is allowed, however the backdated Payments by UC have taken me Well over the savings amount allowed? And the amount to have an ongoing claim, Nobody ever gave me any information about if this is classed as savings or when it should
be spent etc. I was originally saving it as wanted to move private rented house to a bungalow rented if one came up and buy my sons new room padding sleep safe bed etc that all cost thousands plus other adapt mentos, also first months rent deposit etc on a rented properly all add up. I also need a new sofa tv fridge etc, again, all add up, I haven’t spent any of this money since I got it in March / April, as I said been wanting to move first but no suitable rented properties have come up, However all this news about UC and banks looking into your spending and your savings etc and stopping benefits has worried me. Is the backdated money I got classed as savings even tho they owed me it ? As I said I already had some savings well under the allowed amount, but their backdated amount had taken me into no longer can claim amounts, I’ve left 2 journal message but no reply, I’m worried? I wish I just spent it when got it as I need a new sofa, new tv etc cos son breaks them all , now am worried if I buy something new that’s expensive I.e sofa, it will flag up I’m spending large amounts of money?? Can anyone rest my mind please I have adhd and I can’t sleep for worrying. I only have the savings as it was given to me by the UC themselves , but now am worried they will stop my claim of bank will flag me for spending it ??!
please help!!thank you . I have 2 children and I’m my son’s full time carer just to add.

p.s I did a precious thread just looking for further answers and experiences, a few people said it’s disregarded for 12 months as saving, so am I ok to spend this and what i need now? Even if it’s large amounts? As 12 months is up in March which isn’t that long away! Can I withdraw any to use? or will this flag with the bank? Am very confused, another lady said irs completely disregarded with no time limit. But can’t find anything online or anyone else saying this? Does anyone else know.
dows anyone else have any further info on the latest news about UC investigations and banks.

Thanks for all your replies

OP posts:
molotovcupcakes · 14/11/2023 07:58

As far as I know UC payments themselves are not counted as income, and I think in that respect you will be ok but you received them to adapt a bungalow and you haven't done that so I would crack on looking for one asap, or at least show that you are searching for one by e-mails and rightmove searches etc.
If your plans have changed and you don't want to move then I would consider whether to give it back to them as it hasn't been used for the reason it was given .

Roadyjoe22 · 14/11/2023 09:24

No you’ve miss understood me I have definitely not received them to adapt a bungalow. That was MY choice to do that with the money. Hence why I was saving it , but I haven’t found one suitable. I received the money I was owed as I wasn’t being paid DLA and disability premier for my disabled child, not to do anyrning specific with , it was meant to be received monthly, I now get it monthly but I received a large back payment of the missed money

OP posts:
AriannasGuitarCase · 14/11/2023 12:32

Yes, you have 12 months from the date the backdated amount went into the account before it is counted as savings

You can spend it on anything you like, but just be aware that if you withdraw a large amount in cash, it could be suspected as 'deprivation of assets' in order to stay under the savings limit. If you are paying for stuff in cash then keep the receipts just in case they query it. Basically you need to make sure that you can prove it was spent rather than sitting in a drawer at home, just in case they check

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