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DWP "Customer Compliance" interview

Discussion in 'benefits and housing' started by andysays, Mar 20, 2014.

  1. steven66

    steven66 New Member

    hi i have received one of these letters it has in the heading its from ( local service compliance fraud and error service ) is this a standard heading its asks me to attend (we're reviewing your benefits and circumstances to talk about changes that may affect your benefits paymentes asking for me to bring latest statements from accounts think from reading its the standard request it also asks for details of any property or land i may own ( i wish ) im on state pension with the topup from contributions from when i worked i also receive lower rate care component (dla) i also receive HB and C.T.B. i contribute to them. Ive also received a letter about pending rise of 20p per week DLA im overjoyed about that. the dla letter states that the dla is being replaced pip is there a connection to these letters.Ive never had to go in for an interview befor ive always received a letter saying the dwp would be phoning at a certain time and date and to have the bank details available.I do have 2 bank accounts one i always keep and all benefits etc paid into that one and another that i change on a regular basic for the payments you can get for changing banks .I have never informed them when i have changed to another bank but whenever they have phoned i have given details.I recently transferd one bank account a couple of months ago.Could they ask me when i go for details of the bank accounts that i have had and request statements as i cant access the closed bank accounts and they have been online ones so no paper statements.I can do without the hassle recently had a heart scan and few months ago had 2 doctors an 3 nurses ready to give me a jump start,I dont realy understand the PIP my last review for the dla i was awarded it indefinitely.sorry about the long post
     
  2. steven66

    steven66 New Member

  3. steven66

    steven66 New Member

  4. clicker

    clicker nanook rubs it....

    If i read you right, you get state pension and a top up? If the top up is pension credit , then the top up isnt based on your paid in contributions, pension credit is a means tested top up. Just been down this route with a neighbour. Do you have a private works pension? Do the dwp know about it? Also over £10000.00 effects your right to pension credit. My neighbour had the proceeds from a will go through her account (literally for a month or so while she divvied it out), this triggered a compliance meeting for her.
    But it was all ok once she'd explained it.
     
  5. steven66

    steven66 New Member

    sorry if i was vague pension details are i get basic state pension +pre 97 additional state pension less contracted out deduction +post 97 state pension graduated retirement benefit i also get pension savings credit.
    I dont have a private pension it wasnt worth a lot so i took the lump sum they were informed about that about 3 years ago.could it be that in april 2016 i used cash from
    0% interest cc to add to my savings to purchase a holiday caravan that would have been a max total of aprox 13000 for about 2 weeks??
     
  6. steven66

    steven66 New Member

    my appointment is this wednesday
     
  7. clicker

    clicker nanook rubs it....

    Maybe, sounds like one scenario could be like my neighbours, a short period where your savings exceeded the dwp limit. But pensions are complicated nowadays :(
     
  8. flustercuck

    flustercuck Spoonerist

    "Customer Compliance" is a code word for fraud, when they don't have enough evidence to prosecute or stop your benefits. Essentially they give youi a chance to 'fess up without beign prosecuted.

    I've been called up to them in the past,m when I was homeless and a friend of mine took me in. there were of the opposite gender, so they just assumed I'd left my marriage for someone else and moved straight in. Like some sort of philandering swine.

    FEPS (lovely name), do a sweep for bank statements, tied in with HMRC< check credit records (ie have you got credit / loan with someone else)... that sort of thing.

    the DLA to pip changeover is something completely different. I do not think there's any connection between the two.

    it sounds to me like the it is the 13k in your account may have triggered a compliance thing. Quite frankly, with income based payments, they end up deducting a bit (I think it is £1 per £250 over the limit?).

    To me it seems that they may turn around and say "you had in excess of the limit for two weeks, for those two weeks you are not entitled, pay us a couple of weeks back"? I've been on benefits for quite some time now...can you tell?
     
  9. steven66

    steven66 New Member

    thanks for the replies im not sure of the exact figure as an account i had at the time was transfered to another bank about 5 months ago and i no longer have access to the one that i transfered
    and it was online banking so no paper statements.I have 2 bank accounts and will be providing last 30 days transactions from both as they have asked for latest statements online banking doesnt provide a monthly statement will the last 30 days be acceptable ? if they ask me if i have a bank account at x bank and it is the one that was closed 5 months ago do i say no or do i say i have had one in the past but not any longer.Posts ive read say dont add to any answers that you give just a y or n.With hind sight maybe i would have been better just using the cc to pay for the caravan but they where not 0% for purchases and i would have had to pay interest on them. Had lots of health probs over last couple of years and just wanted somewhere to go to get away from it all inbetween hospital addmitions and appointments and docs appointments.Would it have taken this long to come up i paid deposit around 22nd march and ballance on 2nd april 2016? should i also provide the latest cc statements / the letter just asks for latest bank and savings account statements
     
    Last edited: Feb 21, 2017
  10. steven66

    steven66 New Member

  11. steven66

    steven66 New Member

    help help they say that in 2010 i received interest that they believe i must have had over 10000 they also say i had 3 accounts with lloyds at the same time and
    1 with tsb I told them i never had 3 with lloyds all at the same time. i had 1 current acc and 1 savings account with lloyds aswell as one account with tsb.In 2015 i closed savings account with lloyds and transfered the current account to tsb.They have told me i have 14 days to prove that i didnt at any time since 2010 have more than 10000 and i have to provide statements for all accounts since 2010 i lost it and left with the account numbers they gave me she was writing a statement at the time
     
    Last edited: Feb 23, 2017
  12. Marmalade

    Marmalade New Member

     
  13. Marmalade

    Marmalade New Member

    Hello I wa
     
  14. Marmalade

    Marmalade New Member

    So glad I'm not the only one ... truely distressing I'm deeply devastated that someone has took there time to make me there focal point of there life , if I'm completely honest I'm alarmed more at the fact that they have nothing better to do than watch me , I have not committed any kind of fraud and have never so much as stolen a box of eggs , and as it seems in nearly all cases it's the neighbors.. and in my case it is , I feel in some respects that I've been subjected to some kind of mental torture and in my mind have become extremely anxious at the fact that the person who it is has regularly been in my home been fed from my kitchen my husband has been his taxi service ... this person was the poor old 80 year old man who for five years has phoned and banged on my door every day ... some days more than twice , then if I did nt answer would complain to other neighbors, also complaining if I didn't cook for him or we couldn't ferry him round ... I generally felt my life wasn't my own , he even started to let himself in ,so I had to keep the door locked , Then during this period he suddenly started saying we could have an affair ... then he wud say that perhaps people in our village wud think we're having an affair! Strange? I know but sadly my husband just laughed and said I was being silly and he was just a lonely old man , on many occasions he used me for food like a local shop and I would pick up things from the store that he would never pay for ... how stupid and soft was I , my husband even decorated two front rooms in his home for absolutely just cups of tea while he was there ...so I got that letter to attend an interview, apparently the first report came in August 2016 then two more towards the end of the year ... if I had been reported that long ago I hoped they'd had me under surveillance so they knew I am just waiting for them to go through my bank statement s , the minute I came home as usual he must of been waiting and watching and rang me I told him about what happened immediately he accused the new neighbors across the road , I also told him a few white lies .... I said that I d been under surveillance and that they had been watching my home for months and anyone who came and went was noted (he was the main visited) and that as the person who kept reporting me was becoming a nusance they had noted there local to me phn number ,for future purposes of arresting the culprit and charging them for harassment... from that day after being stalked and his demands for five long years he never phones he never comes round ... it's bliss although I'm sad that it came to this I'm also glad he doesn't bother me and harass me any more .... I can understand now why people keep themselves to them selves and don't be caring to anyone , I think I'm gonna be weary for the rest of my life x
     
  15. steven66

    steven66 New Member

    ive just come back from lloyds it goes like this i had a current account and a linked savings account after 12 months when the intro offer expired on that savings account i moved it to another account that was for 3 months i then tranfered my current account to tsb and closed the savings account so during the 10 years i was with lloyds there was only 2 accounts active at any one time.Now i have statements for the savings accounts from lloyds but the problem is now it is not possible to get any statements for the current account as there system is not capable of providing them as the account was over 6 years old i even asked if i could pay to get them or if the dwp got a court order for them would they be able to get them they said no there system cannot do it.So where do i stand i am going to cab tomorrow to see if i can get some legal advice. The dwp said and i quote ( you have a choice provide all bank statements for the named accounts within 14 days or not and if not we will withdraw your pension credit ) they said its for me to prove ive never had at any one time over 10000.Since moving here in 2010 dwp have contacted me by phone for update info regarding bank accounts and savings at least 2 times the info has always been given never a problem.Ive asked lloyds to send me a letter explaining that its not possible to get the statements and comfirming when the current account was opend and closed ie transferd to my tsb account at least the tsb account will show the transfer from lloyds
    is there anything else i can do.
     
  16. Jackobi

    Jackobi swallows anything

    steven66 The problem seems to be that you had £13,000 in your account at some point, even if it was just for 2 weeks. The DWP will want to know where the £3000 went, and possibly where it came from, as the capital limit for Pension Credit is £10,000, it seems the DWP considers that you had an overpayment of PC.

    £1 of PC is deducted for every £500 you have over the £10k limit so theoretically you were overpaid by £6 per week when you had £13k in your account. The DWP will be looking at possible deprivation of capital as that cash soon disappeared.

    Just because you spent it, does not mean the DWP won't consider that you still had it for longer than you did. A decision maker will consider how long a time is reasonable for you to have depreciated £3000 and calculate an overpayment based on that length of time at £6 per week (reducing by £1 as each £500 is depreciated).
     
  17. steven66

    steven66 New Member

    I do not dispute 2016 they are saying that when i banked at lloyds from 2004 to december 2015 they think because of interest payments of £59 and £39 i had 3 accounts with lloyds all with cash in them at the same time and the combined amount of these accounts added together could indicate that i had exceeded the £10000.my basic current account was upgraded to a better one with lloyds as it paid a good interest rate i also started a linked savings account with that account that paid a good interest rate
    for 12 months at the end of the 12 months this was in 2014 that money saved was moved into the current account and savings account closed.3 months after that i started another savings account that was closed after 3 months in november 2014 cash moved to my current account so NEVER 3 accounts at the same time with cash in them only ever 1 current account and one savings account In december 2014 i purchased a car £7500 leaving short of £2000 in current account DWP want all statements from 2010 for all my accounts to date.They say if i dont provide them my pension savings credit will be stoped looyds cannot provide statements as there system cannot do it even if
    i was willing to pay for them and even with a court order i think its because there system only keeps data for 6 years or something and my current account that i had with them was an old one from 2004 so dwp have told me its for me to prove that i didnt exceed 10000 and not for them to prove that i did and the choice is my one to provide all statements from 2010 or not to and if i dont they will end my pension savings vredit. so is it for me to prove i didnt or is it for them to prove i did i can prove what was tranfered to
    tsb in 2015 when the lloyds curent account was closed i can prove the details about the savings accounts but cant get anything for the current account except the opening and closing date.
     
    Last edited: Feb 24, 2017
  18. Jackobi

    Jackobi swallows anything

    steven66 If you cannot get through to CAB, you could try Age UK on 0800 678 1174.
     
  19. Ergo Proxy

    Ergo Proxy Well-Known Member

    Tell them to fuck off and prove it as it sounds like they are fishing tbf.

    You are being asked with - I suspect - little or no evidence on their part to prove a negative which is virtually impossible and also unfair.

    If they seriously thought they had a case they would have asked the banks involved directly for your statements. They have the powers to do this so them asking you to provide them is very suspect imho.

    Tell them to make a decision and to notify you of it. On receiving it do the following;
    1, request all their information via a SAR (Subject Access Request - free to DWP).
    2, Lodge an appeal against that decision
    3, if you think you need it seek help from an advice agency.

    The only issue is that if the DWP decide there is an overpayment they can and will try and recover it from you whilst your appeal is being decided. You then have to reclaim the money off them.
     
    MMF likes this.
  20. steven66

    steven66 New Member

    got to see someone in cab earlier they said they cant really help untill i get something in writing and advised to send what i can get and wait until
    i get something in writing then go see them. now im very confused i receive £4-79 that consists only of the savings credit the cab say that if i lose that i would still be able to get housing ben and council tax ben based on my pension.the pension is made up of basic 122-30/ pre 97 additional state pension/less contracted out deduction ( cod ) /post 97 additional state pension graduated retirement pension total 179-89 lo rate dla disregarded just had a return call from age concern i asked what would happen if i just said sod it let them keep the 4.79 if i do that i would posible have to pay about £6 more a week
    towards rent and council tax but at the same time DWP could still decide that i have been over paid and cab and age concern both say it is for me to prove i havent gone over the 10000.Im even more confused as when i gave my details as above to age concern they seem to think that as i was only 60 in 2010 i wouldnt have been on pension credit savings untill i reach retirement age 65 and i reached that in 2015.. If i remmember correctly i used to be on income support and when i turned 60 that changed from income support but what could it have been pension credit guarantee untill i turned 65 so what affect could that have on all this as they want to go back to 2010.Ive been really upset all day close to tears cab and age concern both say untill i get something in writing they cant advise or help.Cab and age concern both seem to say lloyds should be able to go in2 the archives to get the statements
    but in lloyds they said even with a court order it wouldnt be posible even if it was possible that would be 60 statements from lloyds at something like
    £20/25 per statement £1200 /1500 that would be almost everything i have i dont know which way to turn.
     
  21. steven66

    steven66 New Member

    if they did/do decide there is an overpayment and i appeal how could they try to recover ie would they deduct it from my pension or if i had any savings
    would they try to take them as it stands now i have very little cash in the bank and that is earmarked to finish what i owe on my ccs before the interest free period on them finishes
     
  22. Ergo Proxy

    Ergo Proxy Well-Known Member

    Post up your question here Benefits and HMRC

    There's a few x DWP who look in so...
     
  23. steven66

    steven66 New Member

    ergo thanks a lot ive just done it
     
  24. Jackobi

    Jackobi swallows anything

    steven66 An overpayment will not be taken from your savings.
     
  25. MMF

    MMF New Member

    Hi Steven so what you have done since they said you have to provide all these statements? Have you supplied them? If the interview was this year, that might be hundreds of pages, I would assume at least 100 pages. Have they pursued you since you left that interview? I will presume they have stopped your benefit but would be interested to know if they pursued you further if able to tell that.
     
  26. MMF

    MMF New Member


    Hi, Ergo Proxy. I know someone in a similar situation to Stephen66 with DWP asking for years/probably hundreds of pages of statements. If she cannot get them to them, do you think that they will start some kind of investigation or possibly abandon that and shut the claim? Let's say they did shut the claim. Do you know if the person can reapply at a later date is there a 6 month rule? Also, you mention posting something in that DWP group where the ex DWP read and reply. Are they phishing as well or literally offering advice on what DWP may do. Also have you ever done a subject access request, do you know how long it takes to get any information from one of those? Thank you!
     
  27. One dog

    One dog Well-Known Member

    Subject access request must be fulfilled within 40 days. I have done several and I have tons of DWP documents now.
     
    MMF likes this.
  28. MMF

    MMF New Member

    Thanks One Dog for the info. When you write in to them, I think you have to ask about a question about what information they have on you? So can you write in the general one saying, "Please give me all information that you have on me". Can you be that general or slightly less general like, "Please send me all medical (or financial information) you have on me?" Or do you have to be very specific? Did they email it to you or send in the post? If sent in the post, do you have to pay for that? Thank you.
     
  29. One dog

    One dog Well-Known Member

    There is a Subject Accesss request form with all the info' listed in tick box form. Someone on Welfare Central Forum - Index will have a copy to upload

    The DWP will not email the info' but post it recorded delivery. I got mine in a Jiffy bag, there was over a ream of A4 because of everything I ticked on the SAR form.
     
    MMF likes this.
  30. MMF

    MMF New Member

    Thanks One Dog!
     
    One dog likes this.

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