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£100k + Universal Credit?

278 replies

NeverGoingToGiveYouUpButIMayLetYouDown · 23/09/2025 15:44

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.

OP posts:
usedtobeaylis · 24/09/2025 00:57

You are being shafted in the divorce OP. And you're unwell. What a dick.

Did you mean the house has been bought outright and you get nothing of the value of that either?

Hedgehogbrown · 24/09/2025 01:26

NeverGoingToGiveYouUpButIMayLetYouDown · 23/09/2025 17:36

I am not scared of him, no. There was no abuse of any kind throughout.

He said he will be able to prove how he and his new partner, who is expecting, will need our home more than I. My children are at University.

My deal is to have the car worth 17k and monthly payment of £850.

The turn to us calculator shows that I will be eligible for UC and housing element to help me rent somewhere.

He was financially abusive though.

Hedgehogbrown · 24/09/2025 01:28

This thread is dodgy as fuck. No one speaks like that, and no one can be that docile.

WaltzingWaters · 24/09/2025 02:54

NeverGoingToGiveYouUpButIMayLetYouDown · 23/09/2025 23:24

3 months ago, my husband said 'You are to return every penny of mine in your accounts, including the XYZ I lent you for medical treatment'.

I am a hypochondriac, so when I got serious symptoms at the end of last year, it sent me into a spiral and thus, he agreed to lend me money. I now realise this wasn't as charitable as he made out. The money was untouched, unmoved and unused as I was seen on the NHS within a week.

What is so difficult to believe about that?

I am not a muppet as someone so unkindly put it. Both of us had these conversations about UC and the settlement infront of the joint rep solicitor who did not say a peep out of turn against my husband. Surely, the solicitor would have said funds in a marriage are shared - despite my belief that as he was earning it all, it belongs to him. In effect, he was temporarily dumping it in my account. Marriage allowance exists for tax advantages which we did previously.

In the case of money being shared, I should have access to half of his personal (multiple!) ISAs and savings, which was never ever brought up in our appointments by our joint solicitor. My husband is wealthy. I do not need UC if what was shared on here is correct - I may never need it if I have access to even one half of one of his pensions.

I’m guessing it was your ex who has arranged this “joint solicitor”, who clearly is NOT a joint solicitor and only benefitting your ex. GET YOUR OWN SOLICITOR. Yes, you should be entitled to half of everything.

Elektra1 · 24/09/2025 06:13

Arlanymor · 23/09/2025 22:21

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.

No - because your post wasn’t specific to radiotherapy. You said “no cancer treatment costs £100k”. Radiotherapy is only one type of treatment. You said “no treatment…”

HellsBellsAndCatsWhiskers · 24/09/2025 06:42

OP please please get your own, independent solicitor. He is taking the absolute piss out of you. How dare he.

Lougle · 24/09/2025 07:05

@NeverGoingToGiveYouUpButIMayLetYouDown

Can I suggest you read this and decide if how things are going in your divorce match what the Government say?:

https://www.gov.uk/money-property-when-relationship-ends

"If you cannot agree, a judge will decide how assets will be split. They’ll base their decision on how long you’ve been married or in a civil partnership, as well as your:

age
ability to earn
property and money
living expenses
standard of living
financial needs and responsibilities
role in looking after the family, for example if you were the main earner or caring for the family or home
disability or health condition, if you have any
The judge will decide on the fairest way to divide the assets if there’s enough to meet everyone’s needs. They will make arrangements for any children first - especially their housing arrangements and child maintenance. The reason for the divorce or dissolution is not taken into account.

The judge will usually try to arrange a ‘clean break’, so everything is shared out, and you no longer have any financial ties to one another."

Money and property when you divorce or separate

How to work out splitting up money, property and possessions when you divorce or dissolve a civil partnership - including mediation.

https://www.gov.uk/money-property-when-relationship-ends

thejeanjeanie · 24/09/2025 07:55

This is wild. How can a solicitor consider UC or other benefits (e.g. something that is constantly changing and not a given) as a reliable income for a financial settlement?

Get your own solicitor today and, at the end of it all, the old solicitor needs reporting to the Law Society or even the police?! Because if your account is correct then surely they’re abetting financial abuse? If they’ve done this to you then no doubt they’ll be doing the same to countless other vulnerable people. Madness.

Notagain25 · 24/09/2025 08:12

Agree that it’s very odd to be ‘repaying’ money to a husband before you divorce, especially that amount. You needed legal advice before you did that.

Btw when I applied for UC I had to take my bank statements and passbooks for savings accounts to the job centre for them to see. This was after I had filled in the forms with the amount I had on a specific day.

Kavita12 · 24/09/2025 08:34

I don't believe this thread is real. OP is too intelligent to believe in all that.

MissScarletInTheBallroom · 24/09/2025 08:43

NeverGoingToGiveYouUpButIMayLetYouDown · 23/09/2025 23:24

3 months ago, my husband said 'You are to return every penny of mine in your accounts, including the XYZ I lent you for medical treatment'.

I am a hypochondriac, so when I got serious symptoms at the end of last year, it sent me into a spiral and thus, he agreed to lend me money. I now realise this wasn't as charitable as he made out. The money was untouched, unmoved and unused as I was seen on the NHS within a week.

What is so difficult to believe about that?

I am not a muppet as someone so unkindly put it. Both of us had these conversations about UC and the settlement infront of the joint rep solicitor who did not say a peep out of turn against my husband. Surely, the solicitor would have said funds in a marriage are shared - despite my belief that as he was earning it all, it belongs to him. In effect, he was temporarily dumping it in my account. Marriage allowance exists for tax advantages which we did previously.

In the case of money being shared, I should have access to half of his personal (multiple!) ISAs and savings, which was never ever brought up in our appointments by our joint solicitor. My husband is wealthy. I do not need UC if what was shared on here is correct - I may never need it if I have access to even one half of one of his pensions.

Hello OP, can I recommend that you read some of the following links which explain the pros and cons of both parties in a divorce being represented by the same solicitor?

https://www.sharpfamilylaw.com/the-one-couple-one-lawyer-approach-to-divorce/

https://www.brookman.co.uk/blog/joint-applications-for-divorce-what-are-the-pitfalls

https://www.hunterslaw.com/insights/can-you-use-the-same-solicitor-for-a-divorce-in-england/

The general principle according to SRA (Solicitors Regulation Authority) rules is that the same solicitor cannot act for both parties in any kind of transaction or dispute. This is due to potential conflicts of interest.

The solicitor has a professional duty to act in the best interests of his or her client. That means they cannot act for two parties in relation to the same matter - or even different matters - unless those two parties' interests are completely aligned and both have been properly advised on the consequences of sharing legal representation.

In a no-fault divorce, the same solicitor can act for both parties providing their interests are aligned. This means it is only possible in an amicable divorce, where there is no imbalance of power between the parties, and both parties are in broad alignment about how they wish to divide their assets. For example, a couple with adult children who are separating amicably and agree that they will each get 50% of the marital assets.

Your situation is completely unsuitable for shared legal representation. Your husband has been financially abusive and probably abusive in other ways. There is a significant power imbalance between you. He engaged this solicitor whilst you were unwell and he now stands to walk away with a significant amount of assets, leaving you to rely on Universal Credit. Except that you will not be able to rely on Universal Credit, because you will be considered to have deliberately deprived yourself of financial assets. The solicitor your husband engaged has not advised you of your rights. You appear to be completely unaware that you are entitled to half the marital assets regardless of who earned what during your marriage. You also seem to believe your husband will be judged to be in greater need of the house because his girlfriend is pregnant. This is all completely wrong.

Not only do you urgently need your own independent legal representation, but I would consider reporting your husband's solicitor to the Solicitors Regulation Authority for breach of his professional duties.

As a solicitor myself, I am absolutely appalled that a fellow member of my profession would agree to act for both you and your husband in these circumstances, and sign off on a settlement which so obviously favours your husband, without even making the most cursory attempt to advise you of your rights. Frankly he should be struck off.

Not only should you be able to get a much better settlement in your divorce, you may also be able to make a claim for professional negligence against the solicitor, which could put a bit of extra money in your pocket.

According to the link I have posted above from Brookmans solicitors:

"The 2023 case of Lewis v Cunningtons shows the repercussions when financial assets are not properly assessed and considered during divorce. There a law firm was ordered to pay a former client £400,000 because it failed to advise her an entitlement to her husband’s pension. In our view the possibility of inadequate advice and unsatisfactory settlements will only be heightened when one solicitor acts for both sides in divorce."

Rosesarere · 24/09/2025 08:46

if Your going through a divorce the 100k would be seen as your money too?

Orangesandlemons77 · 24/09/2025 09:55

OP do you have another family member to turn to as he doesn't sound trustworthy. Hopefully you have other supportive family around.

Bobiverse · 24/09/2025 10:31

Kavita12 · 24/09/2025 08:34

I don't believe this thread is real. OP is too intelligent to believe in all that.

It is quite staggering. Even if you’ve never heard of anyone in real life getting divorced, never heard how they split the house etc, then you just have at least seen it in a movie! I can’t believe any functioning woman in this day wouldn’t know she was entitled to half the assets (more or less depending on circumstances and a judge).

And I can’t imagine a solicitor doing this. A court will simply not sign off this financial order. They won’t allow one person to have the car and one person to have hundreds of thousands of pounds and a house. So why would any solicitor waste their time making a deal that won’t be allowed?

I can only think he never planned to actually divorce her. Just get her out, give her the car and leave it there. Until he has had years to transfer the money into the new woman’s name for a while.

Heronwatcher · 24/09/2025 11:28

The solicitor will probably have considered it goes beyond their very narrow remit. Plus if they are a “joint” solicitor they’re hardly going to start jumping in the air telling you your DH is lying to you, are they?

Honestly there does seem to me to be a lot which you haven’t thought through here. I’m sorry you’re not well but you’ve got to get your head in the game now, or if you really can’t, get someone you trust to help you. Otherwise, worst case scenario, you end up homeless and unable to claim benefits, while he feathers his nest with your money.

Heronwatcher · 24/09/2025 11:30

And just keep reminding yourself that, because you are married, the starting point is that half of everything is yours. It’s not his to demand back, or bestow on you, it’s YOURS. If you give it to him now without a fight you will only have yourself to blame.

OneCleverEagle · 24/09/2025 12:08

Heronwatcher · 24/09/2025 11:28

The solicitor will probably have considered it goes beyond their very narrow remit. Plus if they are a “joint” solicitor they’re hardly going to start jumping in the air telling you your DH is lying to you, are they?

Honestly there does seem to me to be a lot which you haven’t thought through here. I’m sorry you’re not well but you’ve got to get your head in the game now, or if you really can’t, get someone you trust to help you. Otherwise, worst case scenario, you end up homeless and unable to claim benefits, while he feathers his nest with your money.

It's not really likely to come to that because even if the solicitor does manage to force her into a poor deal now he will never be able to get a Consent Order signed off by the courts, which means she can go back and challenge the settlement at any time.
Of course it's much better to get her own solicitor now and sort it properly first time round.

Riverswims · 24/09/2025 12:16

user1471538275 · 23/09/2025 16:15

it's absolutely crystal clear deprivation of assets

I simply don't believe you and I'm fairly sure they won't either

'verbally agreed loan' between spouses - right

pull the over one, it's got bells on and stop stealing from people who have much less than you clearly have

👏🏽👏🏽👏🏽

OneCleverEagle · 24/09/2025 12:18

Riverswims · 24/09/2025 12:16

👏🏽👏🏽👏🏽

In fairness to OP she was only talking about UC because that's what STBEXH and his dodgy solicitor told her that's what she would have to do.

Tiswa · 24/09/2025 12:20

SalonDesRefuses · 24/09/2025 00:29

Oh my God, I genuinely feel awful for you. I'm so angry on your behalf.

Fuck your husband and this joint solicitor.

I am sooo glad you're getting your own solicitor - PLEASE definitely do this.

You say there was no abuse of any kind, well I'm sorry but this guy is absolutely a nasty piece of work, and was at the very least financially abusing you.

I can't believe what I've just read.

DO NOT LISTEN TO HIM.

You never had a joint solicitor he had one you haven’t

although the solicitor has acted appallingly

but yes you don’t need UC you would never get it given the JOINT assets you have

it is a long marriage right with adult children it is 50/50

get legal advice and don’t leave the house

and maybe women’s aid and the freedom programme as I do think it sounds like you were in a abusive marriage

Tiswa · 24/09/2025 12:21

@SalonDesRefuses apologies no idea why it quoted you!

JJZ · 24/09/2025 14:40

Arlanymor · 23/09/2025 22:37

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.

No, you specifically said “no cancer treatment costs…”. You then mentioned you worked on radiotherapy.

Arlanymor · 24/09/2025 15:19

JJZ · 24/09/2025 14:40

No, you specifically said “no cancer treatment costs…”. You then mentioned you worked on radiotherapy.

Well apologies, it had been a long day - I very much clarified it repeatedly after that initial post.

Laurmolonlabe · 24/09/2025 17:59

You have to declare it all and hope they see it your way- but disposing of assets so you have just under the threshold for UC (£16,000) is likely to ring alarm bells TBH.

Endorewitch · 24/09/2025 18:14

Half of the assets are yours anyhow.
Doesn't matter which bank account they are in.
Think they will be very suspicious if you apply for UC.
Not sure if loans between spouses are treated the same way as other loans. Maybe if you had a separate inheritance and lent him money,that would be OK. But you are repaying him out of joint money I presume.
Honestly they will look at it as a dodgy transaction in order for you to get UC.
Think you need advice of a solicitor .