On 22/09/16 I bought my home outright for £44,000 with roughly £46,000 I had in savings. The following day I put in a claim for ESA starting from 01/10, then once I'd received the ESA50 I declared the savings that I'd had in the last six months and how I'd spent them on my house leaving me with under £16,000 in savings. I spent the next three months sending bank statements, CHAPS receipts, investment bond statements and more bank statements trying to prove what I'd had and what I'd spent it on, but have so far received no assessment phase payments. At no point did I receive any request for fit notes or other medical evidence. On 11/01/17 I finally had my work capability assessment but two weeks later received the news that I'd be awarded 0 points, and that my claim would be denied from 08/10/16. My sister made a call a few days later to find out why I still hadn't received any assessment phase payments, and was told that a letter would be sent out. I then received a letter stating that they could not pay me an allowance from 08/10/16 as I had been declared fit for work at my assessment. Is it right that they can retroactively deny me the assessment rate phase like this? It seems incredibly unfair that they could be allowed to do such a thing and I now have no money left to get by on.