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Universal credit- housing element

8 replies

BeDearQuoter · 10/12/2024 15:12

Hi everyone this is a bit of a random one but I know uc are doing reviews for everyone eventually and I have no issue with this but just wanted to clarify re. Housing element
me and my partner are on a joint claim, he works full time and I am a full time carer for our child who is disabled.
our rent is due at the start of the month when my partner is paid his wages, so he pays the rent in full. Our uc is paid in the middle of the month and they include housing costs, (not the full amount as they can only pay us the LHA rate) however my partners wages get deducted from our statement as a whole anyway. Therefor our uc housing element is pretty much either deducted because of my partners wages or we class the money that would be used on rent from uc as reimbursing the rent my partner pays, and so our uc is used for council tax, gas and electric and water and food shopping.
when uc do eventually do our review, do you think they would have a problem with my partner paying the rent instead of it coming directly out of our uc? As our uc doesn’t pay enough to cover all of the bills including rent regardless and just wanted to double check that we’re not doing anything wrong by paying our bills this way
any advice would be appreciated , thanks :)

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Workingclasslass · 10/12/2024 15:17

I don’t think so if you have been honest about the wages that your husband gets and what you get and they have all that before you made the claim and nothing has changed then showing the bank account and showing the rent coming from your husband‘s account, it wouldn’t matter Because it doesn’t actually matter to them when you are paying the rent. It only matters that you have loads of savings above what you should have and that you are not having other income coming to your bank.

BeDearQuoter · 10/12/2024 15:23

@Workingclasslass thank you for the help:)
yes we have always been honest regarding husbands wages as they are reported directly from HMRC (no other income apart from this) and have always been on a joint claim, we have no savings, only our child’s ISA savings account. I guess I was just concerned that uc include housing element based off our rent however our uc doesn’t actually go on the rent as it’s due before uc pay us& we would struggle to pay the rent out of our uc anyway due to deductions for my partners wages, so I was worried they would take the housing element off us which would really stick us in financial hardship, but hopefully this won’t be an issue for them:) thank you!

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Workingclasslass · 10/12/2024 15:26

If they query what you are saying, just tell them that it’s your husband that pays the rent and you use the UC towards the other stuff

BeDearQuoter · 10/12/2024 15:28

@Workingclasslass thank you :)

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Bromptotoo · 10/12/2024 15:32

Universal credit, which includes a housing element, is part of your monthly income and, in their eyes, it's up to you to manage it and pay your rent.

There are no virtual pound coins with the word 'rent' through them!!

BeDearQuoter · 10/12/2024 15:38

@Bromptotoo thank you :) I did think this was the case however wasn’t sure on how strict they were on how it is spent, I mean don’t get me wrong it definitely doesn’t go on anything other than bills and food anyway!

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mitogoshigg · 10/12/2024 15:44

Do you mean he pays the rent from another account?

To be safe it's probably a good idea to pay the rent from the same bank account that the uc is paid into, he can simply transfer the money into that account. In theory it doesn't matter but it for transparency it would actually be best for all income to come into a joint account then if you want to have separate spending accounts, it comes out of the joint into those, it shows them the true picture without ambiguity

BeDearQuoter · 10/12/2024 15:46

@mitogoshigg yes he pays the rent from his own bank account which his wages gets put in to, and the uc goes in to my bank. To be honest I think a joint account would be a good idea really, a lot easier anyway :)

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