£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.

Oh dear, dodgy as F.

You might stand a better chance chopping one of your legs off and claiming PIP (until Rachel does away with it) 😂

OP you are either AI or a Muppet. Get some proper advice before you divorce, stop listening to your husband if you are real.

What, that her ex is shacked up with a new woman with a baby on the way? That would be quite an elaborate ruse.

This "loan" of £100K to pay for cancer treatment, OP - how were you going to pay it back? And why did your husband "lend" you the money in one big lump sum, rather than paying for the treatment when required?

I'm not buying this story.

I don’t get how if you needed to borrow tens of thousands from him for treatment… you then had managed to earn the money to pay him back alllllll that money while still going through treatment and working part time. It just doesn’t ring true and I think that could be a struggle to explain. I’d be very surprised if you managed to get UC

No.....how would they even know.And they are only interested in what savings you have at the start of, and during your claim period if they do a claim review (which they can randomly do at any time) Your UC is reduced between 6k and 16k and over 16k you are not entitled whatsoever.

No. It's the way it has been conveniently worded with added information down the line. No sane person would accept this deal so either the story isn't being told accurately for us to give informed advice or OP is being strangely naïve.

In short words:
Nice try but no.

This is no longer true. You can now use 1 solicitor in the UK for an amicable divorce if both parties agree.

However, it doesn’t sound as though this is the right course of action for the OP as she is clearly being screwed over by her ex.

Get your own solicitor OP.

And no cancer treatment - even private - costs £100k. I used to work in radiotherapy.

She didn’t say it cost 100k

You’re getting divorced. Your joint assets are all available for division according to need. Any decent solicitor would have advised you not to transfer anything to him and having done so is likely to have prejudiced you for UC purposes. If his position is that you must claim UC then he should transfer you half of the life savings back until such time as a financial order is agreed or made by the court. Then any claim for UC cannot be challenged. Get a proper solicitor asap and do it by the book, not by what he says.

Oh I apologise. I thought that was what the money was for. And didn’t see any other explanation as to what the money was for.

On what authority do you make this assertion? My best friend has been receiving private treatment for cancer for the past 3 years, through her work health insurance. It has cost hundreds of thousands of pounds and the company has changed its health insurance terms for employees as a result (but not her as her treatment was ongoing).

I have explained already if you read my post. I worked in radiotherapy for a really long time. Maybe prices have massively increased since Covid? But I would imagine your friend isn’t just receiving radiotherapy.

“I worked in radiotherapy” - you’re a doctor?

Three bone marrow transplants, 6 rounds of chemo (in-patient requiring 3-6 weeks at a time depending on recovery of immune system each time). Multiple additional therapies for side effects. Multiple PET scans, MRIs. All the drugs. You’re well off the mark if you think all that gets done under £100k.

You haven’t once mentioned radiotherapy which is what I was talking about specifically in terms of cost. You’ve totally missed the point. And that is not what the OP is going to through either from her posts. Sorry you’re angry and upset -
and of course you are - but I haven’t said a word about anything remotely linked to your friends cancer treatments and it sounds really rough and hard, and I sympathise.

but irrespective of that, surely you'd pay for your wifes treatment as you wnet along, bill by bill? And who would guve their wife a 100K loan for it? How was she meant to pay it back? How did she pay it back? This is either complete fabrication or somebody testing the waters for how they can move/dispose assets so they can claim UC. As presented, they have zero chance.

Also, if you didn't have provate HC through work and you disliked your wife as much as this guy seems to according to OP, why on earth would you self fund 100K of treatment? Why wouldn't you just tell her to use the NHS for cancer treatment (the one thing is pretty good at). BS. Asset disposal.

I’d like to correct you here @Arlanymor
my private cancer treatment has cost more than £100,000 the last 12 months. I have private medical insurance and I see all of the bills and invoices.

My cancer is not even that complicated but I’ve had chemotherapy, multiple PET scans and MRI’s. lots of ongoing appointments and medication which costs £15,000 per month alone.

If I didn’t have private medical insurance I’d get very similar treatment in the NHS.

Very suspect. I dont think you will see a penny as you have just under 16k in savings . Why should you get UC? Live off your savings like others have to

Your post implied OP was lying about the money being for her cancer treatment, which is shitty and was bound to get backlash. Asides from that it wasn’t 100k and you can’t know that her treatment costs or doesn’t cost a certain amount. I think OPs benefit claim would likely be fraudulent but I don’t think that means she’s lying about cancer treatment, she’s just trying to get through a hard time without crumbling financially. Hopefully the solicitor will correctly advise her

You can if you like and I am so sorry for your situation. But I was making the point about radiotherapy costs specifically. And have done earlier up the thread. I thought I made that clear but obviously not. I really hope you recover soon.

Exactly. So why would DWP believe that this person had to borrow 100K from their own spouse and then pay it back? Wholly unbelievable, you'd use the NHS if you didnt have private HC.

This won't wash with UC I'm afraid, nor should it. You were married, he paid bills while you stayed at home. You did not owe him a penny. Either he conned you into believing you did or you are both trying it on.

It wasn’t at all and I have explained twice now - and now three times - why a course of radiotherapy - I literally said I worked in radiotherapy - wouldn’t cost that much private or otherwise. I never said she didn’t have cancer and never would. I worked in oncology for a decade. Think of me what you will. I was making the point that the OP is being taken for a complete ride by her soon to be ex. I think she has been financially abused by him. That was my point all along. I have also advised her that her legal advice is trash and wished her well.