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TOPIC: ESA claim

ESA claim 5 months 2 weeks ago #180068

Cruella

If an ESA award is made then you will receive NI Credits whether you receive payments or not.

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Nothing on this board constitutes legal advice - always consult a professional about specific problems

ESA claim 5 months 1 week ago #180957

  • Cruella
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  • Posts: 268
Hi, I have been investigating claiming ESA income based today. I may need to claim whilst waiting for my buy to let sale to go through, it is going on the market in a couple of weeks .
I spoke with a benefits advisor saying that I believe I can claim ESA in a couple of weeks when the buy to let flat goes on the market because I understand my capital in the buy to let will be disregarded during the sale process and that my bank account savings balance is 8000 thousand. He said that I could be claiming now and that it is only the income from a buy to let (less than 200 pounds a month in my case) the affects ESA and that the capital I have in the buy to let flat does not count. I have always thought that the capital in the buy to let flat counted as savings and because I have 37000 thousand invested in the buy to let ,then I could not claim anything. Can you clarify this for me, so confused

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ESA claim 5 months 1 week ago #180966

Cruella wrote: Hi, I have been investigating claiming ESA income based today. I may need to claim whilst waiting for my buy to let sale to go through, it is going on the market in a couple of weeks .
I spoke with a benefits advisor saying that I believe I can claim ESA in a couple of weeks when the buy to let flat goes on the market because I understand my capital in the buy to let will be disregarded during the sale process and that my bank account savings balance is 8000 thousand. He said that I could be claiming now and that it is only the income from a buy to let (less than 200 pounds a month in my case) the affects ESA and that the capital I have in the buy to let flat does not count. I have always thought that the capital in the buy to let flat counted as savings and because I have 37000 thousand invested in the buy to let ,then I could not claim anything. Can you clarify this for me, so confused


If you are not living in the property then any equity that you have in the property can be treated as capital, it's not the value of the property that is considered just the equity.

Gordon

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ESA claim 5 months 1 week ago #180972

  • Cruella
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  • Posts: 268
Yes that makes good sense. thank you. So before I forget my subscription to you will be expiring soon and I will definitely want to renew. Will I receive an email, but most importantly I am concerned that upon renewal I will accidentally put in my full name which then comes up as showing on the forum. In anticipation, what am I meant to do to avoid this, I assume I put my name as user name or something by mistake when I joined

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ESA claim 5 months 1 week ago #180976

Cruella wrote: Yes that makes good sense. thank you. So before I forget my subscription to you will be expiring soon and I will definitely want to renew. Will I receive an email, but most importantly I am concerned that upon renewal I will accidentally put in my full name which then comes up as showing on the forum. In anticipation, what am I meant to do to avoid this, I assume I put my name as user name or something by mistake when I joined


You should receive an email and you don't need to create a new account, you can renew the one you have now so there is no need to re-enter your user or forum names.

Gordon

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Nothing on this board constitutes legal advice - always consult a professional about specific problems

ESA claim 5 months 1 week ago #180977

  • Cruella
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  • Posts: 268
I think I will receive about 19 pounds a week on ESA (reduced from top rate because of 150 to 200 pounds income from buy to let and the 8000 pounds in bank). This is providing they allow my money in the buy to let to be disregarded whilst selling. I understand that I would get my national insurance credits too. As my savings go down to 6000 and below , i assume I would keep the DWP informed so that 19 pound figure can be adjusted. So I would have to have the medical assessment but by this time the buy to let flat may have sold so I would then not be entitled to ESA as I would have too much
capital. Would my medical assessment and the ESA process stop or continue once the buy to let sale process had finished? Would it continue to establish national insurance credits?Or if say for example, the ESA process progressed to me being placed in the support group before the sale of the buy to let had completed, would the support group decision remain underlying until my capital from the buy to let was down to 16000

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