£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.

You own half a house outright - did you enter the value of your share of the house under Capital and Savings in the calculator? I suspect you didn't. I suspect you entered a figure of £0 and that's why you've got the wrong answer from the Turn2Us calculator (the old adage OP: "Garbage in, Garbage out").

Best thing you have said on this thread - honestly - he is taking you for a ride and probably taking advantage of the fact that you are concentrating on your illness, which makes you vulnerable. I’m glad you are divorcing as he sounds terrible. I wish you luck.

A judge will never sign off a Consent Order that gives you only that deal.

As they rightly should be

why do you need this bs....honestly. Divorce the man through all the legal routes , divide the money, if you get 50 k and spend them and cannot find a job and need UC - then you go on it. Is this a real thread

Well you can but try.
The worst they can do is tell you're not entitled to it. As long as you don't lie then you've done nothing wrong by simply attempting to claim.

He was asking you to save it to use your ISA allowance?

Which means his is maxed. There’s a shit tonne of money here OP, an house, and pension. I guarantee your entitled to a hell of a lot more than a car + £850 a month.

This sounds so bizarre. Are you just getting legally divorced and pretending to split up so you can get money from the state?

You need better legal representation. You are being absolutely shafted with that deal. In regards to UC they would need proof that you owed that money and it would go to a decision maker.

Doesn't sound like it if he is having a baby with another (presumably much younger) woman.

So glad to hear this, OP.

This horrible man has pulled the wool over your eyes but it's not too late to stop him.

Take every penny you are entitled to and hopefully you'll never need universal credit.

Are you aware as a single adult how low uc will be and disabled or not without lcwra you will be expected to work full time which will deplete all your universal credit.

Agree with others you need to get a solicitor of your own. He is screwing you over. You are ill and can't work you need to get every penny you can from him.

Dodgy

So you don’t have much financially after many years of raising his children, but instead of splitting the marital assets with you at least 50:50, he thinks he should keep almost all of it, and the tax payer should pay for your home and living costs? What a prince. You will be well shot of him. WITH a good divorce lawyers and a proper split of assets like the house.

Where did the money to buy the house outright come from? If it’s from savings during your marriage then it’s half yours, end of, in fact the only money you may get disallowed is an inheritance potentially

Exactly this, his pregnant girlfriend is not your problem.

This is nonsense- from him.

I'm sure you or others have pointed this out as I've not read your full thread.

He can't demand you pay him back just because you stayed at home to care for your children.

See a solicitor.

I'm not an expert but I would have thought ill health on one party would be justification for a greater than 50% share of the martial assets. You really need your own legal advice.

So he gets the house and you give him 100k on top? And you just get the car because he needs the house for his new baby and you need to pay him back for medical expenses and being a SAHM?

None of this makes sense OP. If you've been a SAHM where did the 100k come from? Why did you loan money off him if you had a load of money in your bank account?

Is this money that was in your name so you (as a couple) didn't have to pay tax on any interest? Fair enough, but you can't now pretend it's his money so that you can claim benefits. It was your money as a married couple, he can't demand it all back because you're divorcing.

Get advice OP, this all sounds dodgy as hell.

Huh, you raised his children.

You are entitled to much more than he is saying on divorce. Make sure you are fully aware of all the assets, including property, pensions and savings.

Yes, this might affect your eligibility for UC. You may be entitled to ESA however, due to your health. It isn't much.

All the best.

OP if you have an interest in the house it depends on what that is. Are you still living there ? If so you’reOK because it’s your main residence. If not, you have to declare it as a potential asset. They give you six months grace as long as you are making every effort you can to sell it and realise your interest in it - it’s subject to the capital assets from £6000 to £16000. As for the funds you transferred to him, if you have the paper trail there should be no problem with deprivation of assets. And no, he can’t put a price on what you owe him for being a SAHM parent. He’s a dick.

Nah I dont believe this. No one would have just handed over this sum of money and what a surprise it was all verbal. You are divorcing debt and assets should be split 50/50. On the off chance UC believed this story as a single adult with I assume no children under 16 your entitlement would be very low..and spousal support is deducted £ for £ from the award

I spent around that on a house deposit and left with basically nothing in my bank account so now claim UC. They didn’t go through my bank statements so i’d say try!

I mean if I worked for UC I would personally think you had been diagnosed with an illness, could no longer work and had agreed with your spouse to divorce for financial gain so you could gain UC as income whilst out of work rather than using the savings. All whilst still actually being with your spouse… it’s very convenient that you are just below the savings threshold.

UC can and will have the power to ask for YEARS worth of bank statements. Your story does sound really dodgy and I would expect them to do some digging and see that you’ve transferred that money. You need a solicitor and to speak to CA. The paper trail of him putting money into your account won’t help anything, all it helps show is that your finances were shared. There is no his and hers money in marriage. It literally shows that you’ve transferred him your money and deprived yourself of assets.