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Income-based benefits and withdrawing money
- lala
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2 years 2 months ago #275187 by lala
Income-based benefits and withdrawing money was created by lala
Hello, sorry me again i'm changing my anxiety medication and it really does get worse before it gets better my brain is full of worries even more then usual. I have a bit of a silly question but it's on my mind and I would like to know the answer.
Are you allowed to withdraw money from cash machines (cash points, ATM whatever you call those machines) while on income-based benefits? Sometime ago my mum had a situation when she was paying by card;- the cashier accidently charged her £800 instead of 80p because she put an extra 0 and then it was a hassle to sort out. Anyway ever since then she doesn't like to pay by card in shops, she withdraws £100-£200 every couple of days (as needed) to pay for food, hygiene products, heating (we have pay-as-you-go-meter) etc. Is this allowed? Or can the DWP accuse her of deprivation of capital? because when you withdraw money from the cash machines it just says money withdrawn on bank statement not where the money is going. Should she collect all receipts from all grocery shopping? Or just for the bigger payments? like she withdrawn £1,000 a couple of days ago but she bought a fridge and a printer, are purchases like that the only ones she should collect receipts? Or should she collect all receipts? Or is withdrawing £100-£200 every couple of days considered fine? (She usually withdraws around £500-£600 a month)
Thank you
Are you allowed to withdraw money from cash machines (cash points, ATM whatever you call those machines) while on income-based benefits? Sometime ago my mum had a situation when she was paying by card;- the cashier accidently charged her £800 instead of 80p because she put an extra 0 and then it was a hassle to sort out. Anyway ever since then she doesn't like to pay by card in shops, she withdraws £100-£200 every couple of days (as needed) to pay for food, hygiene products, heating (we have pay-as-you-go-meter) etc. Is this allowed? Or can the DWP accuse her of deprivation of capital? because when you withdraw money from the cash machines it just says money withdrawn on bank statement not where the money is going. Should she collect all receipts from all grocery shopping? Or just for the bigger payments? like she withdrawn £1,000 a couple of days ago but she bought a fridge and a printer, are purchases like that the only ones she should collect receipts? Or should she collect all receipts? Or is withdrawing £100-£200 every couple of days considered fine? (She usually withdraws around £500-£600 a month)
Thank you
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- peter
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2 years 2 months ago #275189 by peter
Nothing on this board constitutes legal advice - always consult a professional about specific problems
Replied by peter on topic Income-based benefits and withdrawing money
Hi lala
I think it’s perfectly fine to draw money out of cash machines. I had a mother-in-law who would do the same thing.
Is your mother’s capital actually falling or is her expenditure replaced by her income?
Even it is is reducing that’s fine if reasonable purchases have been made.
I think it is probably worth keeping the receipts especially for the bigger purchases. Not just for evidence, but also in case they go wrong and you need to return them.
It is also worth keeping receipts in case emergency financial support is ever required, as then, they would require 3 months bank statements and might query the cash withdrawals so the receipts would be needed.
If you do any shopping for her and she reimburses you then I would recommend keeping records of these transactions.
Outside of the above, reasonable expenditure on food and household essentials shouldn’t require receipts, but if it isn’t a hardship to keep them then why not just for peace of mind.
I hope this helps
Regards
Pete
I think it’s perfectly fine to draw money out of cash machines. I had a mother-in-law who would do the same thing.
Is your mother’s capital actually falling or is her expenditure replaced by her income?
Even it is is reducing that’s fine if reasonable purchases have been made.
I think it is probably worth keeping the receipts especially for the bigger purchases. Not just for evidence, but also in case they go wrong and you need to return them.
It is also worth keeping receipts in case emergency financial support is ever required, as then, they would require 3 months bank statements and might query the cash withdrawals so the receipts would be needed.
If you do any shopping for her and she reimburses you then I would recommend keeping records of these transactions.
Outside of the above, reasonable expenditure on food and household essentials shouldn’t require receipts, but if it isn’t a hardship to keep them then why not just for peace of mind.
I hope this helps
Regards
Pete
Nothing on this board constitutes legal advice - always consult a professional about specific problems
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