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  1. Hi I am on ESA and PIP. My savings have just gone over the £6000 threshold in the last couple of months. Is it best to phone DWP or should I write to them please? This is causing me great anxiety as I feel like I have done something wrong. I am very thrifty so hardly spend any money preferring to save it as it makes me feel safe to know it is in the bank. I am a very insecure person with lots of struggles with mental health searching for some sort of security. Please advise-thank you.
  2. Hello, I got a pension savings pack from my father now passed away for a large sum. The policy seems legit with a policy number, its a defined contribution policy and it has payable before death of pension age. I thought the lawyer dealt with all his affairs turns out he didn't. So, what does the law say on pension savings for someone who has deceased do the next next of kin, children inherit it just like property rules of intestacy? Thanks.
  3. I have been on pension credit for three years now,but in November 2017 was called in for an interview under caution. Dwp have stopped my P.C because in 2015 my children recieved from my Mothers will a good amount of money which we invested in Premium Bonds. Dwp are saying that because my children are only 15 and 11 years old and I am the Authorised Adult on the Accounts,that the money is mine. I have proved by way of my Mothers will were the money came from,but dispite a Mandatory Reconsideration the DWP will not change their decision. I have asked several time for the decision to be s
  4. Could anybody help by suggesting what reasons a bank as defendant could apply for Strike out and or summary judgement for a court claim issued by a depositor as follows. Claimant opens a fixed term savings account online and deposits by debit card. The bank adds interest and after the term ends, the claimant writes a letter of instruction as the T&Cs require asking for the money back by cheque as the bank can pay by cheque, FPS etc. This is refused, claiming fraud, signatures does not match (bond was opened online so didn't get a signature at the time) etc. What excuses do
  5. Hi, I’m hoping for some advice for my uncle. He is 71, has had schizophrenia all his life, used to live with his parents till they passed away 15 years ago and now lives alone. My mum (his sister) and my dad visit him weekly to check on him, take him some food and do a little clean for him. He receives DLA (lowest rate) and pension credit and has rent paid on a small run down flat. He is usually very private about his finances last time they visited he was very anxious and told them he received a letter from the DWP to ask for bank statements to prove his amount in savin
  6. Just a general question, i've heard childrens savings accounts with £3000 or more affects parents benefits such as housing benefit. If it's held in a child trust fund opened by govenment or junior isa, both which can't be accessed until child turns 18, are they also considered. Or just standard accounts?
  7. Hi there, I'm 55 and have a personal pension plan that has a value of £17600. Up until our disabled child was born I worked full time, when he was born I had to give up my job to become his carer. During this period of adjustment to our new financial situation we incurred some debt - £13000. I thought great, I can take it all as a lump sum and we can clear the debt... only we are in receipt of tax credits since our joint income, husband and my carers allowance = £21,000 per annum. However I've since realised that by doing this £75% of the lump sum will have to
  8. Hello, I am posting here to see if I can get some advice regarding employment and support allowance. My history is that I currently recieve ESA in the support group and have been on this benefit for four years now with 3 reassessments including my first in 2012. Twice I was placed in the support group after a WCA but after my second assessment I was initially told over the phone I would not get any benefit. I asked the DWP on that call to reconsider and about an hour later they called back telling me I was again in the support group. I am now waiting to find out about my next assessment
  9. I have used this forum a couple of times for myself but this time am enquiring for a friend who has MS and leukemia and is highly anxious at present. She had been on ESA until March, having been forced out of her teaching job in quite harrowing and underhand fashion a couple of years ago. She was put onto JSA and has been supplying bank statements to the Benefits Office here. She had been paying her rent out of rapidly dwindling savings until her savings fell under the limit preventing a housing benefit claim very recently. Despite her condition she has in the year that I've known he
  10. Just a thought. If you are on ESA and you have not got savings above the threshold of £6000.00. Is it possible to try and save by the help of family members to save for an old age pension, not to be touched until your official retirement age? This is just a general enquiry on behalf of my friend who is already worrying for her retirement, if she lasts that long! Any advice would be welcomed. Thank you, and if it's in the wrong place please move the post to where it should belong. I put it here as she is on ESA. The silly thing here is, she can hardly live on her ESA as
  11. I am stuck again this time I have a man who have £12000 over the limit in savings and he wants to know how he can spend it in order to keep his HA. Only suggestions I have is a funeral plan very morbid I know. He is 70 years old.
  12. Hi all, This is a speculative question because I'm not on the dole yet, but who knows! Either in the process of claiming benefits or during a compliance check, one may be asked to produce evidence of capital, e. g. bank statements. Is there a rule that determines a minimum or maximum period for which this evidence must be reported? I've searched extensively on Google and I've also read the DM guide about capital but I haven't found anything. Some people have been asked 3 months worth of statements; others 6 months; some other one year. Any clue? Thanks.
  13. Currently I am going through the procedure of getting IS and CA (carer's allowance) and have just been awarded the CA, The IS is unfortunately taking a long time (currently 7 weeks and counting). Lately due to notifying the council of the changes of circumstances which I am currently going through they are sending me recalculations for both HB and CTB and it's getting to be a bit of a mind boggler. However today received yet another recalculation but this time the CTB award is 0 and this is apparently due to our savings going over £6k (only a few hundred over). When I spoke to someon
  14. Serious problems with my online savings account. I set up a post office online savings account 5 months ago because of the 1.20% interest rate. From day 1 it's been a nightmare. Firstly they have 2 options for depositing money. Direct debit or payment via a debit card. My first deposit was via direct debit and took 6 days to clear. My other deposits were made via debit card and they usually take 3 days to clear. It wasn't long back I needed to transfer some money from my savings account back to my main bank account. I entered my details and was met with a
  15. Some banks have been hacking away at the worth of your savings, making 171 cuts in 6 years.Some people are getting screwed out of £178.50 a year! According to Which?, some banks are considerably worse than others, as they crunched the numbers on 212 instant-access cash ISAs from 21 banks and building societies. Which? said NatWest had the largest amount of cuts per account, with eight across two accounts over six years. The bank's e-ISA used to earn savers 2%, but for those who haven't moved their money will now be getting a paltry 0.25%. Which? also saw that Tesco Bank
  16. Dear members, I'm a student in London. Yesterday I found that both of my account balance became zero and the money has been transferred TO RECONCILE Debit COVENTRY OPS 05 ADV. I went to a nearest branch to ask what happened to my account. They said they couldn't touch the money now and I have to write an email to reportasam (a barclays email, I can't post it here) to clarify the source of my money. After searching on the Internet I realized what happened. At the beginning of this year, my ex-boy friend has purchased a property in London. But in my home coun
  17. hi a question on behalf of a friend who was worrying about savings the question is two fold bit of background and the two queries - my friends who is on benefits - JSA uses his bank account for a close relative to have their state pension to be paid into, now with regards to the £6000 - £16000 savings threshold i.e. if her pension accumulates over time tor 6k or 16k don't apply here is that correct firstly for him as its her benefit being paid into his account not his benefits he gets JSA not a state pension and as its her state pension and unlike JSA he does not need to let her
  18. wasn't quite sure where to place this post. My husband died quite tragically after I donated a kidney to him in September and I have only just found out he had an online savings account containing £2400. He left no will. My problem is that since he died I have suffered with PTSD and agoraphobia and can't leave the house to get to the bank as they requested. My sister-in-law has been sorting most things for me and NatWest allowed her to bring paperwork home, should we be able to do the same with Lloyds. he worry of this is distresssing me very
  19. One for the (Scottish ) legal eagles. Man & wife divorce and £750 put into their childs savings account. When it was set up, both parents had to administer the account. One parent has just discovered the other has systematically emptied the kids account over a six month period without prior consent or knowledge of the other parent. Police say it's not theft or mis appropriation of funds. Bank says T&C's were changed and this allowed one parent to administer the kids account. Other parent swears blind they were never notified of this change by the bank or wo
  20. Hello and Happy new year everyone! After struggling financially with my benefits over the christmas period was saying how great it would be to have some money saved up from over the year to buy a few gifts and extra's at christmas. At the moment I have one account and no credit cards. Looking at my bank I might be able to open an online savings account where I could put £10 here and there away for christmas and emergencies. I am worried about applying for one though in case it triggers anything in regards to my benefits as I am currently on ESA in the support group. Can anyone advise me in thi
  21. Hi Guys I need help for my relative, she is on ESA WRAG income related , shes claiming over a year now and have not received reassessment letter yet. She has some savings around £15000, can anybody confirm if she is ok and her ESA payments will not effect if she let the relevant authorities know about her savings. Thanks
  22. I'm not that far from the lower limit of savings of £6k. I currently receive MRC / LRM DLA, HB, council tax support and ESA. (support group plus SDP) My question is, when does my money from benefits start to count as savings please?
  23. Hello Please could someone clarifiy how the CSA calculates NRP payments on savings and property? It's been several years since I researched this topic, but my understanding in the past was as follows: They can only assess savings over £65,000, so if you had £100000 in savings they would be interested in the last £35K. They then assume you are earning a fabulous 8% income from this investment! Therefore the income figure would be 8% of £35,000 which is £2800, and the payment would be the usual 12% of this amount, as it is with your other income. So the payment would be £336
  24. Do you have to show write down savings on application for contribution based JSA( I know it doesn't affect getting it), but curious. Also, is oine of those letters similar to the housing benefit's green letter come through post? If you live in a shared house people you live with will then know. Also, how people know who is on benefits-e.g. how would you know if your neighbour was on them?
  25. My carer stole £21'750 [twenty one thousand seven hundred and fifty pounds] when I withdrew it on her advice to pay bills cash being more attractive economic relationship to her. She admitted most of it to the police who are considering charging her but have taken two months with no result or charge apparent yet and dither when I ask for information on progress. I seek help to take a private prosecution and court action to retrieve my savings but now obviously strapped for cash. Does anyone have a similar experience with a successful solicitor on a no win fee basis a
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