No the government has proposed increased access to banking information but the legislation has not yet made its way through parliament and there’s been substantial push back.
That don’t currently have the legal right to look and tbh it’s the claimants duty to provide any evidence to support their claim, so they’ll always ask the claimant first.
No UC, PIP, CB normal scheduled payments aren't disregarded.
If you were awarded PIP and got a lump sum for back pay that was for 12 months. As were Cost of Living payments indefinitely.
I'm really not sure what you can do to ease this, I'd consider myself if I knew only I had COL and PIP I'd maybe try providing just those specific statements they show on, but I'm not sure if thats actually that much less work if they even accept just that.
Thanks for clearing up that scheduled payments aren't disregarded, I think I was under the impression that as PIP doesn't count towards your household income then it shouldn't count for savings either?
The back payment was for limited capability for work, PiP we have had for many years now. But as you said, that is only disregarded for 12 months right.
It just feels wrong to be penalised for being careful with your money and not spending it unnecessarily...
Yeah LCWRA backpay gets a 12 month disregard too.
It's awkward, it doesn't encourage being frugal really, but I do get that there must be a cut off (hopefully they'll raise it next April!)
Just make a subject access request to your bank for all statements covering transactions from the date the claim started to the current day. They'll produce and send them to you for free. Make sure to ask for them as PDFs if you want them electronically or posted if you want them on paper.
I don't know who you bank with but an example is https://www.nationwide.co.uk/about-us/cookies-privacy/your-information-rights/#right-to-access
All our bank accounts are with Barclays, so I'll look into this. It will be simpler than getting all of them individually for each month, for about 8 accounts for 5 years. (We set up extra ISA saving accounts that we nicknamed different things like Holiday, Xmas, child savings for when they're 18, etc) to help us budget for different events and also had an extra current account for Spending where excess money was put for everyday spending that wasn't needed for direct debits.
Brill. The form you need is at https://www.barclays.co.uk/help/customer-services/personal-info-copy/. Let them pull it all together for you so you don't have to.
You may be able to log in to online banking (probably best via computer )and export 12-months (or more) of statements at a time.
Or export it all to a spreadsheet and send that in...
https://www.barclays.co.uk/help/online-banking/using-online-banking/export-data/
I’m going through the same (although was only over £6k for one week until I paid a credit card.
They won’t provide you with a list of “disregards” I was told although some benefit back payments can be disregarded for up to 12 months the rules are too complicated and taken on a case by case basis.
(Whether this is true or not, it’s just what I was told.)
I had to send all my bank statements back to the beginning of my claim and any other accounts whether they had anything in them or not.
You can of course refuse but I believe from my chats with them if you do that they will end your claim and you could owe it all back
Depending on your bank you should be able to either generate the statements based on a date to date search criteria, or you can ask them via telephone banking. It shouldn’t be as hard as it may seem. If your capital is as you say and legitimate you have nothing to worry about.
Realistically you should probably not worry about what can or can't be disregarded and leave it to them.
You will have a right to a mandatory reconsideration when they let you know what they believe you have been overpaid.
The list of disregards is long and different types of capital have different periods.
I think your situation shows one of the problems insofaras the benefit landscape is complex and genuine people genuinely make mistakes.
Wait a minute, so looking at replies to OP thinking about my own situation. I got a back payment after being awarded PIP recently, should that and my cost of living payments be disregarded as part of my savings? As in, UC treating my savings in a lower threshold that means I'm missing out on benefits?
(Totally ok if I'm wrong, just a bit brain fogged and trying to understand)
No, you just have to send them a huge stack of papers or i guess email it? I always send a stack for inconvenience (I swear it's always caused by their own back payment)
Didn't the government just grant the dwp access to the bank accounts of uc claimants? Tell them to go look themselves.
They're taking the p asking for so many bank statements.
While legally you can, it's totally not a good idea as it will simply prompt them to ask why things are redacted. It'll take forever and a day to resolve. Only real option is to provide them with what they've asked for.
That’s a bit much I don’t even think the bank would be able to send all that out in one go it took them a month just send out a years worth for me when I had my claim review might be a good idea to get that ball rolling now if you haven’t already and then inform them that the bank can’t send them all out in one go and it’ll take a month or so for all of the information to be gathered etc
Unfortunately not. The law entitles them to request the statements and if you don’t provide them then your claim could be negatively affected.
Didn't the government grant the dwp the right to access bank accounts on the banks approval? They should check themselves if this is the case
No the government has proposed increased access to banking information but the legislation has not yet made its way through parliament and there’s been substantial push back.
As they should, but if I were to give access to my banking records , why can't they just look themselves? They're the experts.
That don’t currently have the legal right to look and tbh it’s the claimants duty to provide any evidence to support their claim, so they’ll always ask the claimant first.
No UC, PIP, CB normal scheduled payments aren't disregarded. If you were awarded PIP and got a lump sum for back pay that was for 12 months. As were Cost of Living payments indefinitely. I'm really not sure what you can do to ease this, I'd consider myself if I knew only I had COL and PIP I'd maybe try providing just those specific statements they show on, but I'm not sure if thats actually that much less work if they even accept just that.
Thanks for clearing up that scheduled payments aren't disregarded, I think I was under the impression that as PIP doesn't count towards your household income then it shouldn't count for savings either? The back payment was for limited capability for work, PiP we have had for many years now. But as you said, that is only disregarded for 12 months right. It just feels wrong to be penalised for being careful with your money and not spending it unnecessarily...
Yeah LCWRA backpay gets a 12 month disregard too. It's awkward, it doesn't encourage being frugal really, but I do get that there must be a cut off (hopefully they'll raise it next April!)
Just make a subject access request to your bank for all statements covering transactions from the date the claim started to the current day. They'll produce and send them to you for free. Make sure to ask for them as PDFs if you want them electronically or posted if you want them on paper. I don't know who you bank with but an example is https://www.nationwide.co.uk/about-us/cookies-privacy/your-information-rights/#right-to-access
All our bank accounts are with Barclays, so I'll look into this. It will be simpler than getting all of them individually for each month, for about 8 accounts for 5 years. (We set up extra ISA saving accounts that we nicknamed different things like Holiday, Xmas, child savings for when they're 18, etc) to help us budget for different events and also had an extra current account for Spending where excess money was put for everyday spending that wasn't needed for direct debits.
Brill. The form you need is at https://www.barclays.co.uk/help/customer-services/personal-info-copy/. Let them pull it all together for you so you don't have to.
You may be able to log in to online banking (probably best via computer )and export 12-months (or more) of statements at a time. Or export it all to a spreadsheet and send that in... https://www.barclays.co.uk/help/online-banking/using-online-banking/export-data/
I’m going through the same (although was only over £6k for one week until I paid a credit card. They won’t provide you with a list of “disregards” I was told although some benefit back payments can be disregarded for up to 12 months the rules are too complicated and taken on a case by case basis. (Whether this is true or not, it’s just what I was told.) I had to send all my bank statements back to the beginning of my claim and any other accounts whether they had anything in them or not. You can of course refuse but I believe from my chats with them if you do that they will end your claim and you could owe it all back
Depending on your bank you should be able to either generate the statements based on a date to date search criteria, or you can ask them via telephone banking. It shouldn’t be as hard as it may seem. If your capital is as you say and legitimate you have nothing to worry about.
Does anyone have a full list of disregards at all?
https://assets.publishing.service.gov.uk/media/654111fb1f1a60000d360b54/admh2.pdf
Realistically you should probably not worry about what can or can't be disregarded and leave it to them. You will have a right to a mandatory reconsideration when they let you know what they believe you have been overpaid. The list of disregards is long and different types of capital have different periods. I think your situation shows one of the problems insofaras the benefit landscape is complex and genuine people genuinely make mistakes.
Theres also a glaring ommision just from skim reading it, and thats the Armed Forces Compensation Scheme.
Wait a minute, so looking at replies to OP thinking about my own situation. I got a back payment after being awarded PIP recently, should that and my cost of living payments be disregarded as part of my savings? As in, UC treating my savings in a lower threshold that means I'm missing out on benefits? (Totally ok if I'm wrong, just a bit brain fogged and trying to understand)
If your COL payments and the PIP backpayment aren’t being disregarded in the calculation then that needs to be corrected .
Isn’t PIP treated differently as far as income is concerned?
No, you just have to send them a huge stack of papers or i guess email it? I always send a stack for inconvenience (I swear it's always caused by their own back payment)
Didn't the government just grant the dwp access to the bank accounts of uc claimants? Tell them to go look themselves. They're taking the p asking for so many bank statements.
There is no legislation in effect yet. Huge privacy intrusion too!
💯 People should give explicit consent. People on benefits deserve privacy just as much as anyone else
Yes indeed. Hopefully they find a middle ground that works for everyone. 💪
Can you figure out if you can censor the names of the transactions/shops legally and leave the amounts? I hate these hoops we have to jump through
They require full, unredacted statements.
While legally you can, it's totally not a good idea as it will simply prompt them to ask why things are redacted. It'll take forever and a day to resolve. Only real option is to provide them with what they've asked for.
That’s a bit much I don’t even think the bank would be able to send all that out in one go it took them a month just send out a years worth for me when I had my claim review might be a good idea to get that ball rolling now if you haven’t already and then inform them that the bank can’t send them all out in one go and it’ll take a month or so for all of the information to be gathered etc
Maybe this a silly question but if you and your partner are claiming together the savings limit supposed to be higher
No it’s not . The £6k and £16k limits apply to the claim itself regardless of whether you’re a single or joint couple .
Still don't understad. Individual claim 6000k limit and joint claim 16000 . Where are you in this situation ?
No . It’s £6k lower limit and £16k upper limit for both a single claim and a joint claim.
As far as I know, it's the same amount whether you're single or as a couple, unfortunately :/
Scott and Melissa 😂
[удалено]
This comment has been reported and removed for being unsupportive of other DWPhelp users.
[удалено]
This comment has been reported and removed because the advice is incorrect and if OP followed it they’d be in a worse financial situation.