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    • well the only way now to get it removed is via a set aside cost £255.   even paying the CCJ and it being marked as satisfied will not sadly improve his credit file nor prevent it poss killing any credit for the 6yrs it will show on his file for regardless to payment.   TBH: there would have to be something seriously wrong for a set aside to succeed  location of the car park might help us at the least.    
    • I had  a 5yr fixed rate mortgage with Norwich & Peterborough before they merged YB. I was to pay £585.27 Per month for 60 months fixed @ 5.85%.   first year ok,   for the following three years as their SVR increased so did my mortgage; £589 1st increase 2nd increase £595, 3rd increase £599. Along with the increases I was also charged late fees etc. from 2008 onwards.   I did receive a letter due to the enquiry into their fees but that only refunded from 2009, where I had been incorrectly charged after one month in 2008, plus the charges wern’t consistent with the £25 they allege to charge sometimes i was charges £32.50. I know the increases are not considerable however with them increasing the mortgage due to their SVR increases did they  1.    breach the terms & conditions of the mortgage contract. 2.    switched my mortgage to a SVR.   Any ideas appreciated.  
    • Thanks Dx, I’ll have to ask him if he wants to go any further and tbh I’m not sure he has anything kept, the claim form, etc. I’ll ask him tomorrow and see what he says or has.
    • opps no outside of the 33 days he had to pay it for it not too show sadly.   we are going to need far more info than what we have here now to even think of suggesting a set aside. this is compounded by the fact hat you say he totally ignored everything inc the claimform?   oh well time for you to get scanning. scan everything he has please  every letter, the lot.   one good point is we only need the front page of the claimform..not the complete pach from northants bulk.   please makes sure you redact things properly but leave times and dates etc. just remove his pers details, reg/pcn/ref numbers and any bar or QR code boxes. read upload  put everything in ONE MULTIPAGE PDF FILE ONLY please     the sad fact here is premier haven't ever won any CCJ's when cases are defended. they run away.
    • in their WS they state its a recon, [pages 1-10] urm something smells here for this to happen for an online 2012 signup.   pages 1+4+5 appear to be missing??   need to discover whats going on here  so scan up the pages 1-10 as clear non blurred uploads no good to us if we can see them   if you need to send them via the secure email then do so and i'll do it. but we need to see the text of all 10 pages very clearly to workout what they have done..   its better you look stupid infront of us than lose another case infront of a judge.  you only waste the forums time when you don't follow what has been already advised  esp when it runs the clock closer to a deadline - its 3 weeks we've been waiting for these docs now and what do we get..mostly blurred uploads we cant read...
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Kaily

Savings have gone over £6000

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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.

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If you have saving over £6,000 then the amount that you get starts to go down until you reach £16,000 whereby you will not receive any benefit.

 

 

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

 

Andy


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Thanks Andy.

Should I phone DWP or just send them a letter?

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Phone call will suffice.......but could you not spend and treat yourself.....new furniture or UHD TV ? :-)


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Phone call will suffice.......but could you not spend and treat yourself.....new furniture or UHD TV ? :-)

 

Thanks again.

 

I am concerned that at a later date they might ask why I spent it-dispersal of funds or something. Just don't know what is allowed and whats not.

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They have no control on your spending nor is it any of their business...as along as your below the threshold.


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PIP is given for you to spend on whatever will help YOU. You may need to replace your car so that you can get out and about, or spend money on taxi's. You may want to get some help in to clean your house for you or look after your garden. Have a new bathroom fitted to make your life easier. You may need to buy a new bed, TV, cooker, washing machine etc. I would take out £500 each time you are getting near the £6,000 so that you have cash available to be able to treat yourself whenever you want to.

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They have no control on your spending nor is it any of their business...as along as your below the threshold.

 

Kind of. I mean, obviously they can't stop you spending your own money as you see fit, but there is potentially an issue of Deprivation of Capital to consider. Basically, a claimant has deprived themselves of capital if they knowingly spend money on non-essential items with the intention of securing or increasing benefit entitlement. If the DWP decides that this applies, they will treat you as if you still have the money when working out your payments.

 

Each case is treated on its merits, so it's not possible to give a comprehensive list of what is or isn't acceptable. Generally speaking repairs or replacements for old cars, furniture or household repairs would be OK. Paying off overdue debt is also OK, but probably not paying debt off early.

 

Deprivation is a consideration for ESA only, PIP is not affected by capital at all. If the capital is a result of benefit payments being saved, it can be disregarded for 52 weeks.


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Deprivation is a consideration for ESA only, PIP is not affected by capital at all. If the capital is a result of benefit payments being saved, it can be disregarded for 52 weeks.

 

Thanks for the replies.

The money is from benefit payments being saved. Does that mean I can save it? Sorry a little confused what you mean.

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Going on the above that would depend if you have saved it from your ESA or your PIP......do you save separately:-)


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Yes, sorry - my last sentence wasn't very clear. They are two separate ideas.

 

PIP is not means tested and does not take capital into account. So you can have any amount of capital, from any source, and do whatever you want with it and your PIP payments will not be affected.

 

Now for ESA, that's where deprivation comes into play, assuming your ESA is Income Related. If the money you have saved is from benefits (of any type) then the DWP will ignore it for 52 weeks after it is paid to you. In other words, they won't start reducing your benefit payments based on it until you've had it for a year. Edit: This part is not correct: see my post below.


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Sorry, disregard that last part of my post. As far as I can see from the DMG it is only arrears of benefit that are disregarded. So if your savings have gone over £6000 you would need to declare this and deprivation could be an issue if you spend the money with the intention of getting yourself under the limit.

 

One other thing we need to be clear about: deprivation is not fraud or any other sort of crime. It's just something that affects entitlement.


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Thanks.

 

So does that mean for now I don't need to inform them I have gone over the threshold as it has only been a couple of months?

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Sorry, disregard that last part of my post. As far as I can see from the DMG it is only arrears of benefit that are disregarded. So if your savings have gone over £6000 you would need to declare this and deprivation could be an issue if you spend the money with the intention of getting yourself under the limit.

 

One other thing we need to be clear about: deprivation is not fraud or any other sort of crime. It's just something that affects entitlement.

 

Oh ok thanks again.

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Yes, sorry about the mistake. You should tell them ASAP. If you're worried about it, bear in mind that the sooner they find out the better for you. You'll have less stress about the situation and any overpayment will be minimised.


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I think what this thread shows is it is better to keep below threshold if only by a pound and spend without worry, rather than go above the threshold and face a potential headache.

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Depending on your area, you may be switched to universal credit if you do report a change.

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Depending on your area, you may be switched to universal credit if you do report a change.

 

I thought they would just adjust my payments accordingly.

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how about some new shoes or a weekend away somewhere. All that is allowable. If your only income is benefits of one sort or anothe rthye ahve calculated what is the minimum you need to live on so stop scrimping and saving if that means going without what others would consider necessities. A nice hair cut once in a while or a meal out.

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I thought they would just adjust my payments accordingly.

 

Not now. Some areas are universal credit only, which means if you report a change, you'll be moved over. And some people are finding they're now worse off.

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Better to just spend some money.....stop saving and keep your head down :wink:

 

Far easier


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Why would you wish to keep savings in a bank account, as far as I'm concerned you'd be better off with it below your mattress as interest is miniscule on savings accounts.

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Why would you wish to keep savings in a bank account, as far as I'm concerned you'd be better off with it below your mattress as interest is miniscule on savings accounts.

 

Don't you worry about burglars?

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I never have trusted banks Kaily! ;).

 

On a serious note, you should have your savings working for you rather than your bank.

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