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Original poster

How long after I get an inheritance til I can get benefits again?

126 replies

Hello17378 · 27/12/2023 15:38

I got some inheritance few months ago but got scammed and was wondering when I’ll be able to get benefits again

OP posts:
LIZS · 27/12/2023 17:29

Why did you choose to buy crypto in first place? When was the inheritance? How much do you now have left in savings and how long ago was the scam? I doubt a complaint to first bank will fly, if you transferred it from there to another account in your name. Your issue would be with the second one allowing you to transfer to the scam account.

Pip is separate to UC although having it may give you an enhanced UC amount if successful when you do claim. You can claim UC anyway but may lose it again were any savings to be recovered.

LIZS · 27/12/2023 17:31

Your stronger case would be if you had been registered as a vulnerable customer with first bank but they did not follow their vulnerable customer policy in verifying outgoing payments, for example.

Saltysausage · 27/12/2023 17:32

What was your plan when you invested in crypto?
Did you keep some to live on. Where you planning to withdraw after a certain amount of time.

blueshoes · 27/12/2023 17:33

Hello17378 · 27/12/2023 17:23

It wasn’t real crypto.

What is real v. unreal crypto?

If it is not real, isn't that even worse? Think magic beans.

TiddyTidTwo · 27/12/2023 17:37

Just spend it then claim benefits again. Enjoy 😒

YouJustDoYou · 27/12/2023 17:38

Jesus Christ.

Missingmyusername · 27/12/2023 17:41

@Itslegitimatesalvage -thank you for the explanation.
OP no idea how this would pan out, is there no trace of the money going in and out of the account. Hope you get some useful advice here.

Mrsttcno1 · 27/12/2023 17:43

If you received a large inheritance and then immediately spend it on “crypto” whether real or fake, the most likely result is that this purchase will be seen as unreasonable and so a sanction will be imposed on UC.

PIP however is not means tested though so that in theory would be unaffected if you manage to get approved.

AllAroundMyCat · 27/12/2023 17:46

What is your disability/mental condition?
By answering that it might help us to determine which benefits you are entitled to.

How much money were you scammed out of ( honestly... just curious.)

How much do you have left? This will help us to determine whether you're able to claim certain benefits.

notapizzaeater · 27/12/2023 17:47

Pip isn't means tested but new claims are taking about 6 months at least. You can claim both PIP and UC if you qualify. Have you got an advocate ? Citizens advice ? Social worker ?

Sugarsun · 27/12/2023 17:57

AllAroundMyCat · 27/12/2023 17:46

What is your disability/mental condition?
By answering that it might help us to determine which benefits you are entitled to.

How much money were you scammed out of ( honestly... just curious.)

How much do you have left? This will help us to determine whether you're able to claim certain benefits.

I agree.

There are different rules for different benefits.

What benefits were you on before?

I assume you can’t work at all?

PickAChew · 27/12/2023 17:59

PIP isn't means tested, as a PP has mentioned, so if you are entitled to that, you should be able to claim it regardless.

porridgeisbae · 27/12/2023 18:01

@Hello17378 Apply for PIP now, it's well worth doing. Most assessments are over the phone at the moment, so it's not as stressful as it used to be.

As to how long before you can claim UC- you would have to ask them I think as they probably have quite complicated ways of working it out. If you don't feel able to call them, is there someone who you'd be happy for them to make the call for you?

caringcarer · 27/12/2023 18:03

Sounds like you deprived yourself of assets. Most people would have put money in their bank and used it carefully.

caringcarer · 27/12/2023 18:04

Hello17378 · 27/12/2023 16:52

i have a disability/mental condition

That's not the banks fault. They can't police how you spend your money.

porridgeisbae · 27/12/2023 18:04

What is your disability/mental condition? By answering that it might help us to determine which benefits you are entitled to.

People with any condition can try and claim PIP and some with any condition will get awarded it. It doesn't go on what your condition is, but on the severity with which it effects you in daily life. I have a mental health condition(s) and I get the highest rate for both mobility and care. Someone with the same diagnoses might not get it at all as it doesn't effect them in the same way.

ImfromVega · 27/12/2023 18:05

When your savings are below £6000

porridgeisbae · 27/12/2023 18:07

That's not the banks fault. They can't police how you spend your money.

I don't think that's what OP was saying. She was replying to people asking why she doesn't just get a job.

Also, banks etc can be helpful and supportive in various ways if someone has a condition that makes it difficuit for them to manage their money (which can happen with MH problems.)

sweatband · 27/12/2023 18:07

Sounds like you're the one after doing a bit of scamming

porridgeisbae · 27/12/2023 18:10

When your savings are below £6000

I think OP would have to check with them because if she had a certain amount they would've expected it to last her a certain amount of time, and mightn't see themselves as having to provide benefits until the end of that time.

Otherwise, someone could inherit 600,000 or something, spend all of it except 6000 buying whatever they want in a short period of time, then claim.

Scirocco · 27/12/2023 18:11

If you believe you've been a victim of fraud, you should report it to your bank and the police.

Gnomegnomegnome · 27/12/2023 18:12

sweatband · 27/12/2023 18:07

Sounds like you're the one after doing a bit of scamming

In what way?

Gazelda · 27/12/2023 18:12

OP, it would help you enormously if you went to Citizens Advice and asked for their help.

Your situation sounds complicated and it needs a bit of unravelling. With help, you'll likely get some support in terms of benefits and other help so that you avoid future scams and people exploiting you.

porridgeisbae · 27/12/2023 18:12

Sounds like you're the one after doing a bit of scamming

I don't see how you can reach that conclusion without knowing OP. Most people would work if they were able to work. OP presumably has a diagnosed condition.

Even with those who seem to be choosing not to work (not that I think that's OP, anyway) often there's something else going on with them, they just haven't received a diagnosis.

Lifeasiknowitisout · 27/12/2023 18:17

Op just like last time no one can give you an definite answer.

If you are claiming mental impairment, that might be quite difficult since your purposely loved the money from HSBC because you knew they would try to prevent you doing this and put it in an account you knew would let you. You worked around the system.

Also if you claimed mental impairment, that may end up with you not being able to fully access funds when you need them.

As for benefits. No one knows. I remember a couple who won the lottery and claimed to have blown it in a very short time got refused benefits for years. They hadn’t bought property Or anything. They couldn’t prove where it had been spent.

Wether that would apply here, you don’t know until you apply.