Pleased that I can now put UC behind me, as became a state pensioner in February 2022 aged 66, felt sorry for all those on UC, the problems that they may have encountered. All the best, and take care.
Thank you Peter, as someone with a brain injury, applying for benefits and giving all the information I need to provide, I find it really confusing and overwhelming but this helped me understand it better.
Man, I love you and love how clear you explain it all, thank you so much 💓 I have a question, I'm a single mum of 11 years old son, I receive universal credit and I work 16 hours a week, my boss just notified me about cutting hours of all the employees, im down to 14 hours I'm now, would the jobcentre expect me to more hours than 14 hours? Thank you for the most helpful channel. Thank you ❤
@@PeterWilhelm - hi, thanks for the information. One question, my Son is an 18 year old universal credit claimant and he had an appointment at the jobcentre today and the work coach said he needs to go there once a week!! Is that correct?? I had looked everywhere online and it says universal claimants need to go to the jobcentre once every three months! not once a week, which might I add, costs a fortune in bus fare. I said to the work coach, as I went along with my Son, can't my Son have phone appointments? and the work coach said 'no, we have to do what the government tells us and they don't want phone appointments anymore'. He also said the once a week appointments were the rules, however I don't think he was entirely telling the truth. Can you help please!? :-)
@@climbingthemountain26. Hi, The frequency of your appointments vary depending on your circumstances and level of claim, but I believe it is also down to the discretion of the work coach. The meeting every three months is usually for people who are claiming universal credit but are slef-employed and trying to build their income/business to a level where they no longer need UC. Regular UC appointments with a work coach are usually every 2 weeks but can be weekly if you work coach says so. Some people say they do this because they don't believe the claimant is doing everything they can to find work. Others say they do it as a way to inconvenience you to try and get you to miss appointments so they can sanction you or just get you to not bother claiming, both are ways of them saving money. In terms of phone appointments, while some people may still be on phone appointments, things are slowly being transitioned back to face to face, and unless you are sick or have a valid reason, you have to attend or they will sanction you. I believe you can claim expenses for your travel to and from the job centre for appointments so you can bring that up with the work coach next time. Hope that helps, take care
I'm trying to apply for universal credit but they are asking for my landlord details..I genuinely don't want my landlord to know because I don't pretend to be on universal credit for too long, I'm looking for job..
To who faced closed application and applied for new one. Remember you still can appeal for back pay date. I keep contacting to the citizens advice. What gave me a lot information what to do next. As my first application has ben close. I'm fight they pay from date my first application was applied. The universal credit in journaling wouldn't to do nothing. As they played around with me. Till you not contacting to coach in your application. No latter with decision why they has closed my application. To old previous application there no access. Till you not do mandatory reconsideration they would iven listen to you. So I called to universal credit helpline. Now they accepted my appeal as I asked mandatory reconsideration appeal.
How do I get on UC and PIP like my neighbours, who sit around smoking and drinking and getting takeaways each day. They have a much better lifestyle than me and no worries, even though I work full-time. They have a better car too.
What I did , was pretend I was being bullied at work , I went to apply for universal credit, the lady at jobcentre didn't really like my excuse for suddenly quitting my job so she sanctioned me for three weeks. But since then I was claiming the full amount of money , rent paid and nicer car now . Good luck 🤞🏻 and enjoy the free time 🥰
I have now retired. I no longer need a UC account. How do I (completely) DELETE my UC account, or will it morph into a Chinese style social credit account?
Hi What can I do regarding deductions please ? I am a full time carer receiving carers allowance & UC. Since 2018 I have had a total of approx £5,000 paid back in arrears & deductions and penalty’s . My rent arrears were £150 prior to claiming UC . An alternative payment arrangement was put in place PRIOR to me claiming UC , yet my rent arrears 7 months later was £6,000 :( They did not pay any housing costs for 3 months & some months £0 . I have been surviving on £90 a week that just covers utilities, I have had to go to food banks . I also have been receiving eviction notices . At the same time for four years we had no heating or hot water due to a faulty boiler . We regularly have plumbing issues which means we have many floods . I am at my wits end & stressed .
Yh never had an advancement before I asked after 2 years being on it and said I need it for rent and food ever asked for money before and get under 2k every 6months aswell
Register for UC in Feb 22. We weren’t eligible for any help and our case was closed. How do we do a new one! Seem to be going round in circles to sign in , input code from e.mail and then code from text? Can’t seem to proceed any further? Can you help please Jane
ive been on U,C since 2018, my work coach informed me in april that i should've been assessed for work capability as ive been handing in sick notes from the beginning. then he didnt put me forward for the assessment, i only found this out a couple of days ago. he has been stringing me along all this time. im now awaiting my assessment. is it possible to get any extra benefit backdated? and do you know how to go about reporting this coach? great info from you once again Peter, thanks a lot
Hi Monty, thats terrible to hear. The citizens advice says: ''You might not have claimed in time because the DWP told you the wrong thing. If this happens you can complain and ask for compensation.'' You can check out more info on it here: bit.ly/3mGVdpn Hopefully that helps. If you put in a complaint and request compensation, keep me updated on how it goes if you don't mind
Hi Monty, I was handing in sick notes too and I had a phone assessment. I was awarded LCW but I don't get any extra money. I just dont have to look for work. I hope you get extra payments. You'll need them, especially now we're all losing 20 pounds a week....
@@amywest7093 Apply for a mandatory reconsideration so they can look at the decision again. You have thirty days to do this. Give them reasons as to why you think they have made the wrong decision. I did and got awarded the extra amount. Good luck.
Does th amount you can get be told to you when you apply. As you state in the video the advance amount will be what you are entitled to so will what your entitled to be told to you when you make the application as in on that day?
Hi Peter I wonder if you maybe able to answer this question. I have calculated that's a customer would be better off under universal credit if they migrate from TC. But they would essentially lose the benefit of free dental help and school meals as under UC the threshold is 935 per month as TC it is 16000 pa a slight difference when worked out monthly...is there any protection for those who will possibly miss out ?
Hi. If I go to work part time (I have arthritis and struggle with lots of things) I understand I will only get to keep 37p per pound, but will I lose my entitlement to housing benefit if I start earning extra cash please. Thanks, Amy.
Hi Amy, thanks for checking out the video and leaving a comment! To answer your question there are work allowances that let you earn a certain amount before they start reducing your payments but this is dependent on your individual circumstances like who you are living with, disabilities or limited capability to work etc. The best bet before you make any decisions is to ask or send a message to your work coach asking them how your benefits will be affected if you begin to work, they are the only ones who can give you an accurate answer for your specific situation. Sorry I couldn't give an exact answer, I hope your work coach provides the answers you are looking for! Take care
@@PeterWilhelm Hi Peter, thanks. The reason that I asked you was that my work coach didn't seem to know. She just told me about the 63p in the pound reduction. I'm sure I'll find out soon enough :0) Thanks again, Amy.
@@amywest7093 It's not good when the people who actually work there can't give you a definite answer! When you find out please let me know what happens if you don't mind, it would be interesting to know what they do.
@@PeterWilhelm - hi, I asked you an important question about universal credit and I check back less than an hour later and my question has been deleted. Please can you answer for me, if 18 year old universal claimants need to go to the jobcentre once a week or is it once every three months? I can find no information on this and the work coach just said that it's the government's rules, is that correct?
@@climbingthemountain26. Hi, Your comment wasn't deleted. You didn't leave it as a new comment, you wrote it as a reply on someone else's comment which is probably why you couldn't see it when you checked back. Anyway, I have responded to it so you should get a notification showing you my reply to your questions.
How much Universal credit payment does a family of 3 receive if working part time? My husband's income is 800 Pounds. Can you please answer me on this subject? I don't know much about it. They make deductions all the time. Actually, I have a few more questions I want to ask.
Hi.i got universal credit at the moment..today i just stop working ,in the factory where i been for 9 years...how to let know universal credit about that?what section to chose to let them know about that?thank you
I would like to know what I can do or who to contact about my Jobcentre being changed. My nearest center is 1 mile away, 10/15 minutes walking distance, to 1 on the other side of the city center 4 miles away, 1 to 2 hours dependent on traffic conditions and if the bus is on time. I tried contacting and asking for advice at the job center, they advised me to get in contact with my local councillor. Which I did and only received a reply asking for my address and no other information or help provided. So what's going on with this Universal Credit and changing peoples jobcenters? Why am I being forced to go to JC so far away, I am not happy and i want my JCchanged back to my local :/
That is a good question, Ive never been able to find the answer to that. I believe they move people around different job centres to deal with demand/staffing issues. You may have already tried but you could ask your work coach about it by putting a note in your journal, or try calling the universal credit helpline and explain the situation and that it is hard for you to get to the job centre you have been assigned to. Let me know if you manage to get it sorted. Thanks
1 mile or 4 miles is not far. In Wales some job centres are over 20 miles away depending on location. If you are not working does it matter how long the journey takes?
Thanks for your information, it did help, is there other government schemes to clear debts I got loan and credit card to clear low income, please let me know. Thanks
It is not based on the hours you work but on how much you earn. For every £1 you earn in your job you will lose 63p from your Universal Credit. So with your current work, if you earn enough to where 63% of your earnings is more than you would get on Universal credit then you will not get any UC payment. Does that make sense?
Hi, can you please explain if I work more hours will it impact my universal credit but will it impact my housing element as well. Also, I have a joint account with my husband because he is disabled and by picking more hours I don’t want to impact his universal credit payment. How will it work please explain
good evening.. I tell you, I have lost my job and I am looking for and my husband works but his salary does not cover all the payments on our house. I could apply for help with the rent on my house, thank you
Hey peter, I have a question, i work full time and do 37.5 hours a week and am married with 2 kids but my wife doesnt work, we are already claiming UC but we dont get much because of my wage is abit high, i just wanted to know on how accurate is the turn2us calculator because according to that, 90% of my rent could be paid. And also how long does it take for the housing benefit to start? Or is that not classed as housing benefit? Please help!
Hi Jaz, Sorry for the delayed reply. turn2us is actually the one that the government recommend people use on their website, so it should be accurate. I have a question though, has your situation changed since you first made a claim for universal credit? that could be your job, wages, living situation, kids etc. because if you are already claiming UC but nothing has changed then there should be a reason why you wasn't offered housing benefits from the start. Housing benefits are slowly being replaced by UC so it is important if you have had a change of circumstances that is putting you in a worse financial position that you let them know so your benefits can be adjusted accordingly. I cant say how long it would take because every situation is different. My first bet would be to speak to your work coach for UC to see what they say about it and how they suggest you move forward. Hopefully that helps, let me know if there are any other questions I can help with.
@@PeterWilhelm we was living with my parents as a joint family in one house but me and my wife and kids have moved out now as of middle of october, obviously my expenses will be alot more now with the rent and evrything so we’v let them know but still as of today we havent seen a change in my payments from them, am guessing it take a month for it to kick in i guess, any idea on how long it takes by anychance?
I have receiving universal credit I am living council house but after court discsion I received 30000 pounds from my ex partner does it effect my universal credit?
A friend wants me to apply for working credit as i work fulltime and have some businesses under my name. She wants to be able to get a place to live with her kids and use my name as i work fulltime. Are there any setbacks for me? What should i be worried about please?
Don’t do it. I don’t know if there’s any setbacks tbh but no friend should ask you for a property in your name. I assume you will be liable for any failed payments or damage to the property as it’s in your name. These two things sound inevitable to me, kids damage properties, carpets, flooring, walls, etc. Also if she can’t afford to sort herself out, there is a chance that she may fall behind on payments and you will be liable. Also I’m sure if she’s trying to do something under your name then it may be benefits fraud (I’m not so certain though). If I was you I would say you applied and that you were refused because of your parents’ savings/partners income or some other bs story. That way you don’t have to say no but you’re basically saying no.
What happens if I refuse to look for work because of mental health issues but can't get a doctors certificate for it. Can I still get some universal credit to pay my rent, utilities and food?
Get the doctor to refer you to the mental health dept. Doctors are not allowed to diagnose mental health but mental health teams will assess and diagnose. If you get the right diagnosis you can then claim ill health and have a stronger case for the DWP. Good luck.
Here's a double standard they give the y next to nothing to live in each month but if you were to take a foreign spouse to the UK they say you have to provide at least 150 a week for food and clothes double standards
Hi I want to know how do I report a change of circumstances if I do two jobs how do they know which job I’m making changes of as it doesn’t give me an option it just says what date the change occurred and the next if I’m employed or not? So the first job I finished the second one I’m still continuing. The questions just are employed or not and if employed when the change occurred which I have already reported when I started my second job so do I need to report again?
Hi, the amounts change depending on your individual circumstances. To get an accurate answer you can google turn2us benefits calculator, this will give you an idea of what you would be eligible for before you apply
Ok standard allowance for me now the extra £20 is gone is £324 my rent is £384 a month (without gas elec water council tax etc) at the moment I’m still on JSA as I’m literally scared of changing to UC don’t really want to claim until it’s absolutely compulsory. What do I do?
Hi Kelly, I'm pretty sure when on UC you will be able to claim housing benefit to help with your rent, that will mean the £324 allowance you are eligible for will be fore the other living costs that you mentioned. If you feel you are getting enough on JSA and don't want to change then I would just not say anything about it until they bring up the change themselves. If you want to compare to see what you could be eligible for compared to what you are currently getting, you can try using a benefits calculator like the one on turn2us website. I hope this helps, let me know if there are any other questions I can help with.
Advance payment they do only once. In my situation I got £200.00 as I knew I will get salary then help from universal-credit. I'm working 30 hours per week. And one mistake in answer home, to-do list, journaling. I fill up in wrong commitments. They close my application. Coaching since first application newer contained me. I always get back if my hours changed. Seems I still do in wrong section my answer. It's just annoying. Now I'm afraid if they close my application again. As my application was closed I applied again. They don't give advice payment anymore. Citizens advice gave me food bank code. In all my 12 years in this country I first time have to take food. What made me feel sad about it....So you can ask food bank food. I know there will people who struggling with it.
Yes it is important you don't make any mistakes and always respond to them/do everything in your commitments. They do look for the smallest of mistakes to give you a sanction and reduce your money.
Hi I wanted to ask how do u actually calculate how much they must pay u if ur income is diferent every month am struggling with it and i feel like am not getting paid correctly.
thank you for this video ,please can i ask you this question,if you are in universal credit claim can someone use your address to look for work. can it affect claim
Hi, when you get your payments they are for the period of the previous month, not the upcoming month. So for example if you get your first payment on 30th March, that payment for the month prior. So even though you are waiting 5 weeks, the first payment you get is for that period you have been waiting. Hopefully that makes sense, if not let me know and I will try again 😂 If you are currently in the 5 week period and struggling you can get an advance from them which Is paid back by taking small amounts from future payments.
Thankyou yes that makes sense does this mean I will always be in debt with my rent then as the advance does not cover the amount I needed for rent aswell as food and electric etc x
Hello I sign up for universal credit and I have a housing benefit debt with them. We have agreed for dwp to take 5 pounds a month off my universal credit but the problem is they are taking 48 pounds. I don't know what's going on...I called them and they said I was the one who agreed for them to take 48 pounds. I told them I don't want that amount taken from my benefits and we agreed for them to take 5 pounds from now on but the following month they took 58 pounds.its shocking ....something is going on I do not understand.
so what exactly is universal credit? i will be going on to it soon as my circumstances are changing does it replace all other benefits so i will just get one ? thanks
Hello I’m an European citizen who live in UK (I have permanent statut)more than 5 years and for first time I’m an unemployed,what universal credit can I using?
When i was 18 i only for £75 fortnightly!!! i wish i had got £344 monthly!!! I was eventually evicted for rent arrears which wasn't all my fault. had i been on £344 monthly i wouldnt have ben evicted!
Hi Peter, Thanks for doing this video its been extremely helpful. I do have one question though. If you dont qualify for UC because of your earning can you still get the childcare support of up to 85% of the cost of childcare?
Hi, once you apply you will be told if you need to make an appointment and what documents to take with you. You might be asked to bring evidence, for example: a current tenancy agreement, rent statement or rent book a signed letter from your landlord (saying that you live there, pay rent and are living there legally) details of service charges you’re responsible for a current mortgage agreement, mortgage statement or bank statement showing mortgage payments details of any loan agreements secured on your property I dont know your exact situation so I dont know for sure what they will need but they will let you know based on what you say in your application
Hi I would like to know if it is possible for me to go to college full time and still get universal credit. I currently do 20 hours a week work and my wife works 4 days a week and we have 3 kids. I wanted to know if I could leave my 20 hours work and go to college and me and my wife still get universal credit
Hi Rundle, sorry for the late reply. It is certainly possible but I can't guarantee you would be accepted or how much you could get. You can use a benefits calculator like turn2us where you enter your exact circumstances and they will let you know what you are eligible for. I hope that helps!
Hi Peter. I am a UK passport holder. My wife is on spouse visa. As we are living together, applying for Universal Credit (UC) requires to make a joint claim. I want to ask can we make a joint claim as spouse visa says "no public funds". Please guide in this regard, Thanks.
I’m scared. I have not been able to reset my universal credit password for months. However, it will send me my username if prompted but no way of resetting my password from my phone. The job centre has left me a message saying they have info as to why and the technical team have said why but not gave me anything further. I’m really worried. They said they never had this happen to anyone before. I can’t remember if I used swearwords for my last password and maybe that’s why??😂
I'm not sure using swearwords would cause a problem with passwords to be honest. Have you tried calling the UC helpline? They may be able to help you quicker
@@PeterWilhelm I did and they said they can’t see any notes left on the system. I’ll have to go in in person for a 20 minutes appointment which the uc phone operator said was unusual. Do you think it’s a hacking thing or something i’m worried
@@cakepudding3220 it is definitely strange but at least you have made them aware and hopefully they can fix it. I wouldn’t worry too much about hacking. Like I’m not sure anyone can do much even if they did have access to your account, but just keep an eye out for any suspicious emails or messages from them just incase
@@cakepudding3220 I removed your last comment because putting information like that out on the internet for everyone to see isn't good or safe. Especially if you are worried that your password may have been compromised. Be careful what info you share and who you share it with to keep your accounts safe
Hi, it is possible for you to get Universal Credit in this scenario, but your husbands situation is taken into account and how much you get, if anything, will depend on a number of factors, including how much your partner is earning. UC website says: "You can claim Universal Credit if you and/or your partner are in employed or self-employed work and are on a low income. If you are unsure about your eligibility please complete an online application form. You’ll be asked more questions to check your eligibility when you make a claim for Universal Credit."
Thank you for this informative video. In fact I was told that working full time means losing my UC benefits even if the salary is less than my UC? How can I make sure about this?
Hi Fawaz, Thanks for checking out the video. To answer your question that is not true. For example if you picked up one shift and was paid only £50, you would not lose all of your Universal Credit, because that would leave you in an impossible situation. For every £1 you earn in your job you will lose 63p of Universal Credit payment, So for example if your UC was around £400, you would need to be earning around £600 in employment before your UC payment was reduced to 0. I hope this makes sense. But if you need more clarification, send your work coach a message and they will be able to explain it further in relation to your specific situation.
Question 13 isn’t 100% accurate. You forgot to mention the work allowance where people that are disabled or have children can earn a certain amount of money without the taper.
Can you please help me, I have applied for a joint universal claim, but forgot to add the link code, how can I add it now ? it tells me I have 1 item to do on my to do list ?
Hi thanks for the feedback. I think this would be a tricky situation just due to the fact that some people could claim to have split up in order to get housing benefits to pay their ex (who they are actually still with) because of this they have the following rules: "Renting from a former partner You can’t get housing benefit if you pay rent to an ex-partner for a home you used to live in as a couple, or if you have a child with your ex and your child lives with you. It does not matter if the ex-partner is not your most recent ex. You can get housing benefit if you pay rent to an ex-partner for somewhere you never lived together as a couple, as long as you do not have a child with your ex who continues to live with you." I hope that answers your question
Hello new subscriber here. I have a Work eligibility interview coming up soon. Do you think it would be ok to record the interview on audio as I won't be taking anyone with me and I've heard they are notoriously hard to pass? I suffer with alcohol dependency
As a new claimant a family member is not seeing the screen that says apply for an advance. This person is very sick and has limited income and a car to manage and rent to pay. Any idea why they are not seeing this screen. New application
I want to ask how much money i earn in 16 hours part time its not effect my universal credit it will not reduce my payment i take 334.95 every month from job centre
Hi Peter thanks for your video, I'm on UC and single with 2children, but recently gained admission and studying nursing, please my question is do I have to inform UC that I'm now in university in other not to get a sanction for not telling them as I got maintenance loan from schooling please reply 🙏 thank you.
Hi Lola, Yes you need to inform UC of any changes of circumstances. If you don't and they find out you will most likely get a sanction. University students aren't usually eligible for universal credit but it depends on things like if you are part time or full time students, and the fact you have 2 children will be taken into account as well. You can report a change of circumstances through your online account, and use a benefits calculator like turn2us to see how this will affect your benefits going forward. I hope this helps, and good luck with your studies!
@@PeterWilhelm thanks for your reply, I went to student services today in my university, I was told the same thing you said now, so I will call UC tomorrow as I couldn't find the option of being a student on their site so hopefully I will be sorted. Thanks once again.
Anyone self employed on pip and UC? I'm still receiving legacy benefits and am bricking it as i don't know how its going to affect me. I also have 2 special needs kids in dla and am fearful of the future as i dont earn much.
Hi if I get 545 universal credit with housing benefit in there 250 then around 300 for universal credit ???? If I work part time and earn £608 a month will I lose my universal credit thanks great video
Great content and fantastic video layout. Are you an expert on UC? I tried to connect with you on social media but could accurately locate you or your website
Hello there my brother … please help . I am a single mum and earn £830 a month working 3 days a week . According to the benefits calculator l am eligible for £490 a week that’s around (£1960) a month . That includes child benefits and council tax help . So does it mean the they are going to minus £830 l earn from the £1960 ? Sorry if it sound silly l have never claimed any money before so l am so ignorant in that area . Only started thinking of starting to seek help now coz l can’t work full time like l used to coz of baby and his father is absent so l am struggling to pay bills etc l am on overdraft every month.
Thank you Peter for the video I've query, we recently moved to UK from India and due to kids, one of us me or my wife is able to job. Please advise if we take universal benefits, are we safe to apply for PERMEANT RESIDENCE and in future time if we wish to apply for first time home buying, will it be easy too or any challenges?
2 friends living together can make separate claims while a couple have to make a joint claim giving them less money. So basically if you're a couple you're better off just telling them you're just friends. Makes no sense that people are being punished for being in a relationship and being forced to join up their finances like they're married even if they've only been dating a couple of weeks. What is this the 1930s?
Thanks for watching! If you have any more Universal Credit questions, ask them in the comments below and I will do my best to help! 👍
Hi Peter how many hours a couple need to do To get the universal credit ? Thank u for your time
Hi i work 16 hours a week cen I take advance from universal credit?
Its come to something when the main UK jobseeker benefit has a mechanism to get you into long term debt
Pleased that I can now put UC behind me, as became a state pensioner in February 2022 aged 66, felt sorry for all those on UC, the problems that they may have encountered. All the best, and take care.
Thank you Peter, as someone with a brain injury, applying for benefits and giving all the information I need to provide, I find it really confusing and overwhelming but this helped me understand it better.
I’m glad it helpled. Let me know if you have any questions or need more help
Get well soon The Pickle
Thanks so much, I'd love to see a universal credit video for the self employed
Man, I love you and love how clear you explain it all, thank you so much 💓
I have a question, I'm a single mum of 11 years old son, I receive universal credit and I work 16 hours a week, my boss just notified me about cutting hours of all the employees, im down to 14 hours I'm now, would the jobcentre expect me to more hours than 14 hours? Thank you for the most helpful channel. Thank you ❤
This is very informative. I'm finishing uni soon and just need to use universal credit during my job hunt
I’m glad you found it useful! .. Good luck with the job hunt and congrats on finishing uni! 🥳🎓
Very informative video . Probably more clear and well explained then the Gov website itself
Haha trying to use the gov website for some of the research for this video was a real headache! 😂.. thanks for the feedback! 🙏🏾
@@PeterWilhelm - hi, thanks for the information.
One question, my Son is an 18 year old universal credit claimant and he had an appointment at the jobcentre today and the work coach said he needs to go there once a week!!
Is that correct??
I had looked everywhere online and it says universal claimants need to go to the jobcentre once every three months! not once a week, which might I add, costs a fortune in bus fare.
I said to the work coach, as I went along with my Son, can't my Son have phone appointments? and the work coach said 'no, we have to do what the government tells us and they don't want phone appointments anymore'.
He also said the once a week appointments were the rules, however I don't think he was entirely telling the truth.
Can you help please!? :-)
@@climbingthemountain26. Hi, The frequency of your appointments vary depending on your circumstances and level of claim, but I believe it is also down to the discretion of the work coach.
The meeting every three months is usually for people who are claiming universal credit but are slef-employed and trying to build their income/business to a level where they no longer need UC.
Regular UC appointments with a work coach are usually every 2 weeks but can be weekly if you work coach says so. Some people say they do this because they don't believe the claimant is doing everything they can to find work. Others say they do it as a way to inconvenience you to try and get you to miss appointments so they can sanction you or just get you to not bother claiming, both are ways of them saving money.
In terms of phone appointments, while some people may still be on phone appointments, things are slowly being transitioned back to face to face, and unless you are sick or have a valid reason, you have to attend or they will sanction you. I believe you can claim expenses for your travel to and from the job centre for appointments so you can bring that up with the work coach next time.
Hope that helps, take care
If they mess you about get your MP involved. The DWP is in chaos behind the scenes.
I'm trying to apply for universal credit but they are asking for my landlord details..I genuinely don't want my landlord to know because I don't pretend to be on universal credit for too long, I'm looking for job..
Very well presented and very helpful
Thanks for the comment, Im glad it was helpful!
To who faced closed application and applied for new one. Remember you still can appeal for back pay date. I keep contacting to the citizens advice. What gave me a lot information what to do next. As my first application has ben close. I'm fight they pay from date my first application was applied.
The universal credit in journaling wouldn't to do nothing. As they played around with me. Till you not contacting to coach in your application. No latter with decision why they has closed my application. To old previous application there no access.
Till you not do mandatory reconsideration they would iven listen to you. So I called to universal credit helpline. Now they accepted my appeal as I asked mandatory reconsideration appeal.
How do I get on UC and PIP like my neighbours, who sit around smoking and drinking and getting takeaways each day. They have a much better lifestyle than me and no worries, even though I work full-time. They have a better car too.
Lol😅
What I did , was pretend I was being bullied at work , I went to apply for universal credit, the lady at jobcentre didn't really like my excuse for suddenly quitting my job so she sanctioned me for three weeks.
But since then I was claiming the full amount of money , rent paid and nicer car now . Good luck 🤞🏻 and enjoy the free time 🥰
@@user-ej7yn3nz9wit’s people like you that let the side down.
Hi Peter How does this free trase work please any help off anybody not just peter would be highly appreciated thanks
Excellent Info video. Thankyou.
No worries Tom, I’m glad you found it useful. Thanks for checking out the video and taking the time to leave a comment! 👍🏾
I have now retired. I no longer need a UC account. How do I (completely) DELETE my UC account, or will it morph into a Chinese style social credit account?
Hi
What can I do regarding deductions please ?
I am a full time carer receiving carers allowance & UC.
Since 2018 I have had a total of approx £5,000 paid back in arrears & deductions and penalty’s .
My rent arrears were £150 prior to claiming UC . An alternative payment arrangement was put in place PRIOR to me claiming UC , yet my rent arrears 7 months later was £6,000 :(
They did not pay any housing costs for 3 months & some months £0 .
I have been surviving on £90 a week that just covers utilities, I have had to go to food banks .
I also have been receiving eviction notices .
At the same time for four years we had no heating or hot water due to a faulty boiler .
We regularly have plumbing issues which means we have many floods .
I am at my wits end & stressed .
Hello ,grett video . I have a question, will I have to repay the universal credit back or no? i haven't found that answer anywhere.thanks
Hi Sara, if you get an advance you pay that back hit the standard amount you are entitled to does not need to be paid back
Very informative, good work
Glad it was helpful! 👍🏾
Yh never had an advancement before I asked after 2 years being on it and said I need it for rent and food ever asked for money before and get under 2k every 6months aswell
Register for UC in Feb 22. We weren’t eligible for any help and our case was closed. How do we do a new one! Seem to be going round in circles to sign in , input code from e.mail and then code from text? Can’t seem to proceed any further? Can you help please
Jane
ive been on U,C since 2018, my work coach informed me in april that i should've been assessed for work capability as ive been handing in sick notes from the beginning. then he didnt put me forward for the assessment, i only found this out a couple of days ago. he has been stringing me along all this time. im now awaiting my assessment. is it possible to get any extra benefit backdated? and do you know how to go about reporting this coach? great info from you once again Peter, thanks a lot
Hi Monty, thats terrible to hear. The citizens advice says:
''You might not have claimed in time because the DWP told you the wrong thing. If this happens you can complain and ask for compensation.''
You can check out more info on it here:
bit.ly/3mGVdpn
Hopefully that helps. If you put in a complaint and request compensation, keep me updated on how it goes if you don't mind
@@PeterWilhelm thanks Peter, I'll let you know how it goes.
Hi Monty, I was handing in sick notes too and I had a phone assessment. I was awarded LCW but I don't get any extra money. I just dont have to look for work. I hope you get extra payments. You'll need them, especially now we're all losing 20 pounds a week....
@@amywest7093 Apply for a mandatory reconsideration so they can look at the decision again. You have thirty days to do this. Give them reasons as to why you think they have made the wrong decision. I did and got awarded the extra amount. Good luck.
Does th amount you can get be told to you when you apply. As you state in the video the advance amount will be what you are entitled to so will what your entitled to be told to you when you make the application as in on that day?
They won't give you the job center as a care of address
One more thing, in future is there a chance that we asked to return all the amount that is credited to our universal account.
Hi Peter I wonder if you maybe able to answer this question. I have calculated that's a customer would be better off under universal credit if they migrate from TC. But they would essentially lose the benefit of free dental help and school meals as under UC the threshold is 935 per month as TC it is 16000 pa a slight difference when worked out monthly...is there any protection for those who will possibly miss out ?
Hi. If I go to work part time (I have arthritis and struggle with lots of things) I understand I will only get to keep 37p per pound, but will I lose my entitlement to housing benefit if I start earning extra cash please. Thanks, Amy.
Hi Amy, thanks for checking out the video and leaving a comment! To answer your question there are work allowances that let you earn a certain amount before they start reducing your payments but this is dependent on your individual circumstances like who you are living with, disabilities or limited capability to work etc. The best bet before you make any decisions is to ask or send a message to your work coach asking them how your benefits will be affected if you begin to work, they are the only ones who can give you an accurate answer for your specific situation. Sorry I couldn't give an exact answer, I hope your work coach provides the answers you are looking for! Take care
@@PeterWilhelm Hi Peter, thanks. The reason that I asked you was that my work coach didn't seem to know. She just told me about the 63p in the pound reduction. I'm sure I'll find out soon enough :0) Thanks again,
Amy.
@@amywest7093 It's not good when the people who actually work there can't give you a definite answer! When you find out please let me know what happens if you don't mind, it would be interesting to know what they do.
@@PeterWilhelm - hi, I asked you an important question about universal credit and I check back less than an hour later and my question has been deleted.
Please can you answer for me, if 18 year old universal claimants need to go to the jobcentre once a week or is it once every three months?
I can find no information on this and the work coach just said that it's the government's rules, is that correct?
@@climbingthemountain26. Hi, Your comment wasn't deleted. You didn't leave it as a new comment, you wrote it as a reply on someone else's comment which is probably why you couldn't see it when you checked back.
Anyway, I have responded to it so you should get a notification showing you my reply to your questions.
How much Universal credit payment does a family of 3 receive if working part time? My husband's income is 800 Pounds. Can you please answer me on this subject? I don't know much about it. They make deductions all the time. Actually, I have a few more questions I want to ask.
Thank you for this information
Hi.i got universal credit at the moment..today i just stop working ,in the factory where i been for 9 years...how to let know universal credit about that?what section to chose to let them know about that?thank you
I have written on my BRP CARD with no public fund
On the 8th of every month.
I would like to know what I can do or who to contact about my Jobcentre being changed. My nearest center is 1 mile away, 10/15 minutes walking distance, to 1 on the other side of the city center 4 miles away, 1 to 2 hours dependent on traffic conditions and if the bus is on time. I tried contacting and asking for advice at the job center, they advised me to get in contact with my local councillor. Which I did and only received a reply asking for my address and no other information or help provided. So what's going on with this Universal Credit and changing peoples jobcenters? Why am I being forced to go to JC so far away, I am not happy and i want my JCchanged back to my local :/
That is a good question, Ive never been able to find the answer to that. I believe they move people around different job centres to deal with demand/staffing issues.
You may have already tried but you could ask your work coach about it by putting a note in your journal, or try calling the universal credit helpline and explain the situation and that it is hard for you to get to the job centre you have been assigned to.
Let me know if you manage to get it sorted. Thanks
1 mile or 4 miles is not far. In Wales some job centres are over 20 miles away depending on location. If you are not working does it matter how long the journey takes?
Thanks for your information, it did help, is there other government schemes to clear debts I got loan and credit card to clear low income, please let me know. Thanks
As a self employed,and i ve got uc ,do i have to declare those money on my tax assessment?end of the year,thank you!😇
I still Don't get one point if I'm working 30 hours per week. Do they expect I find job full time?
It is not based on the hours you work but on how much you earn. For every £1 you earn in your job you will lose 63p from your Universal Credit.
So with your current work, if you earn enough to where 63% of your earnings is more than you would get on Universal credit then you will not get any UC payment. Does that make sense?
@@PeterWilhelm Yes clearly. I checked calculator before I applied. I still in low income.
Hi, can you please explain if I work more hours will it impact my universal credit but will it impact my housing element as well. Also, I have a joint account with my husband because he is disabled and by picking more hours I don’t want to impact his universal credit payment. How will it work please explain
Thank you so much for those videos you made.
My pleasure! I'm glad you like them
What is your view on shareholder of small property company and Universal Credit Regulations: Regulation 77
good evening.. I tell you, I have lost my job and I am looking for and my husband works but his salary does not cover all the payments on our house. I could apply for help with the rent on my house, thank you
How to change my email because I lost my email in universal credit and did if I change my email will affect my claim ?
Please let me know thank you
Hey peter,
I have a question, i work full time and do 37.5 hours a week and am married with 2 kids but my wife doesnt work, we are already claiming UC but we dont get much because of my wage is abit high, i just wanted to know on how accurate is the turn2us calculator because according to that, 90% of my rent could be paid.
And also how long does it take for the housing benefit to start? Or is that not classed as housing benefit?
Please help!
Hi Jaz,
Sorry for the delayed reply.
turn2us is actually the one that the government recommend people use on their website, so it should be accurate. I have a question though, has your situation changed since you first made a claim for universal credit? that could be your job, wages, living situation, kids etc. because if you are already claiming UC but nothing has changed then there should be a reason why you wasn't offered housing benefits from the start.
Housing benefits are slowly being replaced by UC so it is important if you have had a change of circumstances that is putting you in a worse financial position that you let them know so your benefits can be adjusted accordingly.
I cant say how long it would take because every situation is different. My first bet would be to speak to your work coach for UC to see what they say about it and how they suggest you move forward.
Hopefully that helps, let me know if there are any other questions I can help with.
@@PeterWilhelm we was living with my parents as a joint family in one house but me and my wife and kids have moved out now as of middle of october, obviously my expenses will be alot more now with the rent and evrything so we’v let them know but still as of today we havent seen a change in my payments from them, am guessing it take a month for it to kick in i guess, any idea on how long it takes by anychance?
I have receiving universal credit I am living council house but after court discsion I received 30000 pounds from my ex partner does it effect my universal credit?
A friend wants me to apply for working credit as i work fulltime and have some businesses under my name. She wants to be able to get a place to live with her kids and use my name as i work fulltime. Are there any setbacks for me? What should i be worried about please?
Don’t do it. I don’t know if there’s any setbacks tbh but no friend should ask you for a property in your name. I assume you will be liable for any failed payments or damage to the property as it’s in your name. These two things sound inevitable to me, kids damage properties, carpets, flooring, walls, etc. Also if she can’t afford to sort herself out, there is a chance that she may fall behind on payments and you will be liable. Also I’m sure if she’s trying to do something under your name then it may be benefits fraud (I’m not so certain though). If I was you I would say you applied and that you were refused because of your parents’ savings/partners income or some other bs story. That way you don’t have to say no but you’re basically saying no.
Thank you
What happens if I refuse to look for work because of mental health issues but can't get a doctors certificate for it. Can I still get some universal credit to pay my rent, utilities and food?
Get the doctor to refer you to the mental health dept. Doctors are not allowed to diagnose mental health but mental health teams will assess and diagnose. If you get the right diagnosis you can then claim ill health and have a stronger case for the DWP. Good luck.
Hello, good Mr I want to ask you a question. I have Universal C and I want to make a loan to my bank. Do you know if this will harm me if I do it?
Here's a double standard they give the y next to nothing to live in each month but if you were to take a foreign spouse to the UK they say you have to provide at least 150 a week for food and clothes double standards
Hi I want to know how do I report a change of circumstances if I do two jobs how do they know which job I’m making changes of as it doesn’t give me an option it just says what date the change occurred and the next if I’m employed or not? So the first job I finished the second one I’m still continuing. The questions just are employed or not and if employed when the change occurred which I have already reported when I started my second job so do I need to report again?
question is there a max salary in which you can't claim uc for housing only?
Hi, the amounts change depending on your individual circumstances. To get an accurate answer you can google turn2us benefits calculator, this will give you an idea of what you would be eligible for before you apply
Ok standard allowance for me now the extra £20 is gone is £324 my rent is £384 a month (without gas elec water council tax etc) at the moment I’m still on JSA as I’m literally scared of changing to UC don’t really want to claim until it’s absolutely compulsory. What do I do?
Hi Kelly,
I'm pretty sure when on UC you will be able to claim housing benefit to help with your rent, that will mean the £324 allowance you are eligible for will be fore the other living costs that you mentioned.
If you feel you are getting enough on JSA and don't want to change then I would just not say anything about it until they bring up the change themselves.
If you want to compare to see what you could be eligible for compared to what you are currently getting, you can try using a benefits calculator like the one on turn2us website.
I hope this helps, let me know if there are any other questions I can help with.
You'll get a letter telling you to change over to UC by a certain date.
Advance payment they do only once. In my situation I got £200.00 as I knew I will get salary then help from universal-credit.
I'm working 30 hours per week. And one mistake in answer home, to-do list, journaling. I fill up in wrong commitments. They close my application. Coaching since first application newer contained me. I always get back if my hours changed. Seems I still do in wrong section my answer. It's just annoying. Now I'm afraid if they close my application again. As my application was closed I applied again. They don't give advice payment anymore. Citizens advice gave me food bank code. In all my 12 years in this country I first time have to take food. What made me feel sad about it....So you can ask food bank food. I know there will people who struggling with it.
Yes it is important you don't make any mistakes and always respond to them/do everything in your commitments. They do look for the smallest of mistakes to give you a sanction and reduce your money.
Hi I wanted to ask how do u actually calculate how much they must pay u if ur income is diferent every month am struggling with it and i feel like am not getting paid correctly.
thank you for this video ,please can i ask you this question,if you are in universal credit claim can someone use your address to look for work. can it affect claim
Hello do you get the Money backdated for the time you received no benefits during the assessment period which is 5 weeks? X
Hi, when you get your payments they are for the period of the previous month, not the upcoming month.
So for example if you get your first payment on 30th March, that payment for the month prior. So even though you are waiting 5 weeks, the first payment you get is for that period you have been waiting.
Hopefully that makes sense, if not let me know and I will try again 😂
If you are currently in the 5 week period and struggling you can get an advance from them which Is paid back by taking small amounts from future payments.
Thankyou yes that makes sense does this mean I will always be in debt with my rent then as the advance does not cover the amount I needed for rent aswell as food and electric etc x
Hello sar.thanks far video. My husband work 42 hours a weak.bus they force me to find work.i want how many hours a need as cupal
Hello I sign up for universal credit and I have a housing benefit debt with them. We have agreed for dwp to take 5 pounds a month off my universal credit but the problem is they are taking 48 pounds. I don't know what's going on...I called them and they said I was the one who agreed for them to take 48 pounds. I told them I don't want that amount taken from my benefits and we agreed for them to take 5 pounds from now on but the following month they took 58 pounds.its shocking ....something is going on I do not understand.
so what exactly is universal credit? i will be going on to it soon as my circumstances are changing does it replace all other benefits so i will just get one ? thanks
If you are moving cities how that will affect
Hello I’m an European citizen who live in UK (I have permanent statut)more than 5 years and for first time I’m an unemployed,what universal credit can I using?
When i was 18 i only for £75 fortnightly!!! i wish i had got £344 monthly!!!
I was eventually evicted for rent arrears which wasn't all my fault. had i been on £344 monthly i wouldnt have ben evicted!
Am working on a Cis contract ,Do I give the amount that I receive or the amount before CIS tax is taking off ??
I can't find anything on closing the claim ?
Great video
Thank LJ, glad you liked it 👍🏾
Hi Peter,
Thanks for doing this video its been extremely helpful. I do have one question though. If you dont qualify for UC because of your earning can you still get the childcare support of up to 85% of the cost of childcare?
Thanks for video
hi, Peter, what documents they will ask to prove how much is my rent ? thanks
Hi, once you apply you will be told if you need to make an appointment and what documents to take with you. You might be asked to bring evidence, for example:
a current tenancy agreement, rent statement or rent book
a signed letter from your landlord (saying that you live there, pay rent and are living there legally)
details of service charges you’re responsible for
a current mortgage agreement, mortgage statement or bank statement showing mortgage payments
details of any loan agreements secured on your property
I dont know your exact situation so I dont know for sure what they will need but they will let you know based on what you say in your application
Hi I would like to know if it is possible for me to go to college full time and still get universal credit. I currently do 20 hours a week work and my wife works 4 days a week and we have 3 kids. I wanted to know if I could leave my 20 hours work and go to college and me and my wife still get universal credit
Hi Rundle, sorry for the late reply. It is certainly possible but I can't guarantee you would be accepted or how much you could get. You can use a benefits calculator like turn2us where you enter your exact circumstances and they will let you know what you are eligible for. I hope that helps!
Hi Peter. I am a UK passport holder. My wife is on spouse visa. As we are living together, applying for Universal Credit (UC) requires to make a joint claim. I want to ask can we make a joint claim as spouse visa says "no public funds". Please guide in this regard, Thanks.
pls did u get an answer to this, as I am in same institution as well
Can you claim universal credit for a short term property? Like 3 to 6 months
I’m scared. I have not been able to reset my universal credit password for months. However, it will send me my username if prompted but no way of resetting my password from my phone.
The job centre has left me a message saying they have info as to why and the technical team have said why but not gave me anything further. I’m really worried. They said they never had this happen to anyone before. I can’t remember if I used swearwords for my last password and maybe that’s why??😂
I'm not sure using swearwords would cause a problem with passwords to be honest.
Have you tried calling the UC helpline? They may be able to help you quicker
@@PeterWilhelm I did and they said they can’t see any notes left on the system. I’ll have to go in in person for a 20 minutes appointment which the uc phone operator said was unusual.
Do you think it’s a hacking thing or something i’m worried
@@cakepudding3220 it is definitely strange but at least you have made them aware and hopefully they can fix it.
I wouldn’t worry too much about hacking. Like I’m not sure anyone can do much even if they did have access to your account, but just keep an eye out for any suspicious emails or messages from them just incase
@@cakepudding3220 I removed your last comment because putting information like that out on the internet for everyone to see isn't good or safe. Especially if you are worried that your password may have been compromised. Be careful what info you share and who you share it with to keep your accounts safe
@@PeterWilhelm Ok thank you x
I am a single mom and unemployed..my husband is working full time and pays all the bills and bear all other expenses…can i get universal credit..???
Hi, it is possible for you to get Universal Credit in this scenario, but your husbands situation is taken into account and how much you get, if anything, will depend on a number of factors, including how much your partner is earning.
UC website says:
"You can claim Universal Credit if you and/or your partner are in employed or self-employed work and are on a low income.
If you are unsure about your eligibility please complete an online application form. You’ll be asked more questions to check your eligibility when you make a claim for Universal Credit."
@D C if he earns little over minimum wage you'll get nothing. Best off he moves out lives in a tent then you can claim single parent
How do you permanently log in with universalcredit login details permanently
Thank you for this informative video. In fact I was told that working full time means losing my UC benefits even if the salary is less than my UC? How can I make sure about this?
Hi Fawaz, Thanks for checking out the video. To answer your question that is not true. For example if you picked up one shift and was paid only £50, you would not lose all of your Universal Credit, because that would leave you in an impossible situation.
For every £1 you earn in your job you will lose 63p of Universal Credit payment, So for example if your UC was around £400, you would need to be earning around £600 in employment before your UC payment was reduced to 0.
I hope this makes sense. But if you need more clarification, send your work coach a message and they will be able to explain it further in relation to your specific situation.
@@PeterWilhelm
Thank you Peter, now I have a better idea.
Question 13 isn’t 100% accurate. You forgot to mention the work allowance where people that are disabled or have children can earn a certain amount of money without the taper.
Still don’t get the mortgage part
Hi, I was wondering What does proof of capital mean ? Many thanks
How much you have in bank/building society accounts/investments. They want to see bank statements. Mini statements are not accepted.
thanks for your help man
Can you please help me, I have applied for a joint universal claim, but forgot to add the link code, how can I add it now ? it tells me I have 1 item to do on my to do list ?
Don't apply for a joint claim. Tell them you're just friends. You'll get more money.
Does universal credit beed to be paid back?
Great video. Single parent with two kids under 8. Can i rent house from my ex that she own?
Hi thanks for the feedback.
I think this would be a tricky situation just due to the fact that some people could claim to have split up in order to get housing benefits to pay their ex (who they are actually still with)
because of this they have the following rules:
"Renting from a former partner
You can’t get housing benefit if you pay rent to an ex-partner for a home you used to live in as a couple, or if you have a child with your ex and your child lives with you.
It does not matter if the ex-partner is not your most recent ex.
You can get housing benefit if you pay rent to an ex-partner for somewhere you never lived together as a couple, as long as you do not have a child with your ex who continues to live with you."
I hope that answers your question
If you have a 2 bedroom place for rent as a single person would UC have any impact on it? And if you stayed with a friend would UC still pay the rent?
They would want you to rent a room out seeing as you have extra room .
Above Norah I'll tell you that.
Hello new subscriber here. I have a Work eligibility interview coming up soon. Do you think it would be ok to record the interview on audio as I won't be taking anyone with me and I've heard they are notoriously hard to pass? I suffer with alcohol dependency
Is ESA payments on top of the standard allowance
As a new claimant a family member is not seeing the screen that says apply for an advance. This person is very sick and has limited income and a car to manage and rent to pay. Any idea why they are not seeing this screen. New application
now it has magically appeared...wow this is just beyond imagining
I want to ask how much money i earn in 16 hours part time its not effect my universal credit it will not reduce my payment i take 334.95 every month from job centre
Hi Peter thanks for your video, I'm on UC and single with 2children, but recently gained admission and studying nursing, please my question is do I have to inform UC that I'm now in university in other not to get a sanction for not telling them as I got maintenance loan from schooling please reply 🙏 thank you.
Hi Lola, Yes you need to inform UC of any changes of circumstances. If you don't and they find out you will most likely get a sanction.
University students aren't usually eligible for universal credit but it depends on things like if you are part time or full time students, and the fact you have 2 children will be taken into account as well.
You can report a change of circumstances through your online account, and use a benefits calculator like turn2us to see how this will affect your benefits going forward.
I hope this helps, and good luck with your studies!
@@PeterWilhelm thanks for your reply, I went to student services today in my university, I was told the same thing you said now, so I will call UC tomorrow as I couldn't find the option of being a student on their site so hopefully I will be sorted. Thanks once again.
Anyone self employed on pip and UC? I'm still receiving legacy benefits and am bricking it as i don't know how its going to affect me. I also have 2 special needs kids in dla and am fearful of the future as i dont earn much.
Do you have to pay back universal credit if you didn't ask for advance payment? Thanks
No you don’t
Hi Peter how can I contact you, please? Need help with universal credit Thanks
I receive Uc with the limited capability.., if I start to work will that stop?
No, but it may be used against you when you are re-assessed.
Can I still go to Benidorm…
Can overstayer apply for UC
Hi if I get 545 universal credit with housing benefit in there 250 then around 300 for universal credit ???? If I work part time and earn £608 a month will I lose my universal credit thanks great video
did you start working? i’m in the same situation. benefits + housing benefits, was hoping to start working to get the extra money
Have you stopped making videos??
Great content and fantastic video layout. Are you an expert on UC? I tried to connect with you on social media but could accurately locate you or your website
Hello there my brother … please help . I am a single mum and earn £830 a month working 3 days a week . According to the benefits calculator l am eligible for £490 a week that’s around (£1960) a month . That includes child benefits and council tax help . So does it mean the they are going to minus £830 l earn from the £1960 ? Sorry if it sound silly l have never claimed any money before so l am so ignorant in that area . Only started thinking of starting to seek help now coz l can’t work full time like l used to coz of baby and his father is absent so l am struggling to pay bills etc l am on overdraft every month.
Thank you Peter for the video
I've query, we recently moved to UK from India and due to kids, one of us me or my wife is able to job.
Please advise if we take universal benefits, are we safe to apply for PERMEANT RESIDENCE and in future time if we wish to apply for first time home buying, will it be easy too or any challenges?
Where the links
2 friends living together can make separate claims while a couple have to make a joint claim giving them less money. So basically if you're a couple you're better off just telling them you're just friends. Makes no sense that people are being punished for being in a relationship and being forced to join up their finances like they're married even if they've only been dating a couple of weeks. What is this the 1930s?