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    • Thanks. Yes I'm planning on speaking to a lawyer but wondered if any frequent here. Mum won't be living in her place once Dad passes as she is not very mobile, she'll be with our daughter who has a suitable room in the short term until we purchase another property. As far as she's concerned her property will be cleared and placed on the market as soon as Dad's passed. Partly due to it being too big and costly for her to keep running.
    • A few people are working hard to find out what contracts haven't been published yet, aren't they? It doesn't seem easy and I'm concerned that as HMG has been caught out, they will try to suppress ways that people are entitled to get information.
    • Hi.   I think you may need advice from a wills and probate lawyer on this, to make sure everything is right. especially given your father's problems.   If you want to do your own research, the CAB website is quite good and there may be others I don't know about.   One thing I can see a potential problem with and we're asked this a lot if you look around the General Legal forum, is your parents' house being transferred to you and your mother continuing to live there if she doesn't pay you a commercial rent. Have a read online about Retained Interest.   HB
    • and further referring to wasted money It would appear that the PPE bill for contracts awarded to Tory populist mates without either competition, basic requirements suitability vetting, or proper reporting to parliament is actually around 18 billion pounds rather than 12 billion pounds ..  despite Johnson 'the Liar' repeatedly lying about it to parliament .. all for about 2-4 billion pounds worth (still at inflated prices) at best of usable PPE   Including it seems things like: Paying a Tory populist pal middleman with no experience 27ish million pounds (20%+) 'finders fee' to get some mostly unusable PPE at 4 times the normal price or more - about 127 million pounds for about 25 million pounds worth of PPE .. if it had all been usable   https://www.independent.co.uk/news/uk/politics/boris-johnson-covid-contracts-court-b1813003.html     heres the Tory populist accounting basics instruction page https://www.rankred.com/biggest-financial-frauds/
    • Not sure if the above issue is covered in this group but if so I am after some advice.   My Dad is in his late 90's and on his death leaves everything to my Mum, also in her 90's but housebound. It is our intention and the request of Mum that when Dad has passed that the property she is currently living in is sold, we sell our property as well and we purchase a property with an annexe and self contained toilet / shower facilities where Mum could live out her days with us. There is no way on this Earth that she would go into an old folks home and it's certainly not on our agenda. Our daughter is their registered carer who currently looks after them.   Mum's Will as it stands at present states that I inherit her estate on her death.  She is talking about transferring the property she  currently resides in to me so that I can handle the sale of both properties. As her Will currently stands, the property she is living in will have already been sold so the Will won't be applicable. Could she change her Will now to state that on Dad's passing her property passes to me or can she gift the property?   The simple thing would be for Dad to change his to state that the property transfers to me but he is currently suffering with dimentia. He hardly knows what day of the week it is and gets very confused and agitated.   Any advice would be grateful. Thanks
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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
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Opening a savings account while on ESA


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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 this matter?

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If it's not a large amount, you should be fine if that's your only savings account. This is from the DWP:

 

Your income and savings

 

Your income may affect your income-related or contribution-based ESA. Income can include:

 

  • you and your partner’s income
  • savings over £6,000
  • pension income

You won’t qualify for income-related ESA if you have savings over £16,000.

 

https://www.gov.uk/employment-support-allowance/eligibility

 

 

HB

Illegitimi non carborundum

 

 

 

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Thank you Honeybee, It wouldn't be a large amount perhaps £200 or something over the course of a year to help spread the cost of christmas and if anything goes wrong. I wouldn't go over the savings limit I would have to save every penny I got for over a year to get that!

 

I was more worried that perhaps the dwp monitor if you open an new account or credit checks even for very small amounts that sort of thing?

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I was more worried that perhaps the dwp monitor if you open an new account or credit checks even for very small amounts that sort of thing?

 

Even if they do (and I don't think they will, but I'm not 100% sure) it doesn't matter. You are allowed to have savings up to £6000 without it affecting your ESA(IR).

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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.

 

A suggestion for you to ponder: Open an account with a credit union and then set up a standing order to transfer a few pounds each week from your current account to the C.U. account (assuming the bank won't charge for it). Two reasons for suggesting this.

 

  1. The savings are little more difficult to access, thus removing the temptation to dip in and spend.
  2. Building up a regular savings pattern opens up the possibility to get a (relatively) low cost loan should you need it (much better than going to a payday lender).

Another savings tip: At the end of the week, put all your loose change in to a jar. When the jar is full, deposit it into your savings account. Last time I emptied my jar, I banked around £200 :high5:. Not bad for six months.

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