£100k + Universal Credit?

[NeverGoingToGiveYouUpButIMayLetYouDown]

I want to claim UC as I am no longer able to work due to a progressive illness.

Husband and I are divorcing. I owed him money, from a verbally-agreed loan between us both, so I transferred money to him three months ago. Plus, some of his savings were in my account, so I also transferred this back to him three months ago.

Will Universal Credit look unfavourably at all this - that I transferred £100k to him, and have very little (less than £16k) left over for myself? I have never claimed benefits before, so I am nervous this will be seen as deprivation of capital, despite occuring prior to me making a claim.

@NeverGoingToGiveYouUpButIMayLetYouDown I’m guessing your DH told you you’re a hypochondriac?

Exactly this!!!

Why was he hiding his savings in your bank account?

Have you managed to make an appointment with a solicitor @NeverGoingToGiveYouUpButIMayLetYouDown ?

And also kept this quiet from your husband?

Sounds like you need to spend some of your £16k on a decent solicitor and conduct financial mediation OP.

Pls get your own representation. I know there is lots of cynicism being expressed here. Was/is your husband coercive and controlling?

The world of Mumsnet has spoken. You have got a very bad deal here and you need to advocate for yourself. As you say you are mo longer able to work. You have raised a family allowing him to go out to work. Half of his cash is your cash. He gets 100k and you get £16k. Very unbalanced. Please listen to everyone giving you good advice! UC isn’t going to pay out on this basis so you need to get a fair deal out of the ex!

I'll never understand this country, so many working households have little spare cash left at the end of a month yet some people can have almost 16k in the bank, a flash car worth £17k a lump sum off ex hubby every month but expecting the tax payer to immediately start paying for everything! Benefits was supposed to help people that had little to no income and now many people on benefits have more free cash than many that work.

Bless you, wishing you all the best for the future and pray your illness stabilises,stay strong xxxxx

I hope they are good on divorce and will tell your greedy, philandering STBX that he doesn’t get to grab the vast bulk of all the joint assets from a long marriage and then expect the taxpayer to support his unwell ex.

Frankly if the new partner was posting here I suspect most of us would be warning her off the greedy bastard - it will be her turn next.

Am I following:

Whilst you were married your DH LOANED you £100k

Youve managed,despite illness and divorce,to save it up to pay it back in full

You're divorcing, and based on the verbal agreement this was a loan, youve sent him the full £100k back

Youre left with under £16k, coincidently the UC limit

And now your progressive illness means youll need UC

I can see why theyd have a problem with your claim, assuming this is nothing but a coincidence you arent divorced yet and theres £100k marital asset in the mix

I'm afraid that, unless you have legal papers to show why you had to give your ex all that dosh, they will treat that money as yours & you find out for real that it's far from easy to claim benefits. They will let you starve first. Good luck!

@mustwedothis can you give details of who to ask for or how to access this service? A friend in a similar situation recently asked for help and was told there's no such thing and was directed to citizens advice. Is it regional? Thank you (and sorry to de-rail, although will hopefully also be useful to others).

Her verbally agreed to lend someone he is about to divorce 100k? I dont think so...
Don't be tight and use your money. Telling us a lie doesnt make it true.

I will add...funny how you transferred him the money three months ago and they ask to see last three months worth of bank statements.

This could be a potentially a very difficult situation for you. So as soon as possible And l mean pronto for the following

See a very good Welfare Rights Advisor. Not Citizens Advice they tend to be too generalized

Then a Solicitor who specialized in debt.

Hope you can get this sorted real soon.

🤞🌻✔️

This kind of con has been tried before. Even politicians have tried it.

This thread gets worse the more I read. He transferred money, he works you didn't you didn't even spend the money by the looks of things. It was not a loan! Its joint capital you were a stay at home housewife working part time as raising kids and now you say you suddenly can't work. That money was a joint asset in the divorce plus when the divorce settles I assume your "just a little under 16k which is conveniently just below the threshold" will increase as you will more than likely be entitled to half. Will that then be declared to them that actually this is not my true savings or income as im set to likely get a large sum of money in divorce?

@NeverGoingToGiveYouUpButIMayLetYouDown Have you made an appointment with a solicitor yet?

Suggest claim PIP

@NeverGoingToGiveYouUpButIMayLetYouDown

How was the appointment with the new Solicitor? Useful I hope???

Agree with others, he is only looking out for himself and absolutely taking advantage of you. Only you can truly look out for yourself.

Sell the money pit of a house, then it’s neither yours nor his problem!

Find your anger, find your voice, and find your fight!!

Good luck!!

Yes very suspicious

Go get what you’re entitled to. Glad to hear this. Must be a big relief 😅🥳🥳🥳

All seems very odd, money and assets gained while still married are joint assets, regardless of who put it in, OP sounds articulate so I don’t understand why she thinks otherwise when it comes to divorcing.
Just because he’s asking/demanding the money back, doesn’t mean you have to.
OP seems to have come to decision with soon to be Ex that she gets less than she’s entitled to and UC can make up the difference!
Not how life or benefits work, with a paid off house and £100k+ in the marital pot there should be plenty of money that means OP doesn’t have to rely on UC, seems pretty greedy to me.

16k is mentioned as its the cut off for being eligible for UC, clearly the house is worth a lot more than that and that is not even counting the 100k cash assets