State Benefits

Paxton Boy

Hi All, I recently had to apply for Jobseekers allowance. I produced all the relevant information including Bank statement etc. A couple of months ago i transferred some cash into my sons account as a loan. Social Welfare are now looking for details of his account and i think understandably he has refused to give me permission to let them see this. Im now worried that this will affect my claim.
Help Please !!:(

Atlantic Dawn

As it's means tested they need to verify that your not hiding money elsewhere, I'd say it will affect your claim unless it's cleared up.

Paxton Boy

I thought that too. Many Thanks

Paxton Boy

Just a point that my son raised. If the transfer of money was to a total stranger, would they have to divulge their private bank details ?

beechwood55

How much did you transfer?

Paxton Boy

Hi. 700 euro

infogiver

He couldn't just give you a bank statement with all other transactions apart from the 700 redacted?

judeboy101

Paxton Boy wrote: »

Hi. 700 euro

Jesus I thought it would be a couple of hundred thousand. Get the young lad to put the money back temporarily?

Paxton Boy

He paid me back in cash. Its his Bank Account number they are questioning

njs030

Paxton Boy wrote: »

He paid me back in cash. Its his Bank Account number they are questioning

Yes to see you don't have a second account with thousands of euros worth of savings in it.

You did him a favour when he was in need I'm sure it won't kill him to do what infogiver has suggested.

Paxton Boy

He would do it yes. The point is Social Welfare want to see details of his Bank Account going back 3 months and thats the part he is not prepared to do. I think he is right but im afraid itll affect my claim.

infogiver

Paxton Boy wrote: »

He would do it yes. The point is Social Welfare want to see details of his Bank Account going back 3 months and thats the part he is not prepared to do. I think he is right but im afraid itll affect my claim.

If you were regularly giving him 100s of €s over the 3 months then that would be a problem for your SW claim.
Unless your son is on a means tested claim himself and has savings in excess of what he told them in HIS claim, then SW have no interest in his bank account apart from your interaction with it.

Paxton Boy

It was a one off loan. He is not claiming SW. Hes a student and working pt at weekends to pay college fees

njs030

Paxton Boy wrote: »

It was a one off loan. He is not claiming SW. Hes a student and working pt at weekends to pay college fees

They probably want to see if you've been paying large amounts of money into the account as savings to avoid having them assessed as means.

Tbh while none of us like having our privacy invaded he needs to remember this situation has only arisen because you loaned him €700.

Harry Palmr

Tell him to cough up the statement he's not in any trouble and nor will you be over 700 euro but him refusing to co-operate will stymie your claim. Does he want that? Doubt it.

Atlantic Dawn

If it's only €700 I can't see where the issue is unless you are borderline up to €20k in savings where means testing kicks in or have been giving regular amounts. They normally only check back 6 months of transactions.

Paxton Boy

Thanks everyone. I can see both sides tbh. There could be transactions on his account that he would like to kept private. All sorts of stuff that he doesnt want known especially from his father !! .
Also what about stuff bought on done deal or Adverts for instance ? if you transfer money to someones account for say a car etc ?

jimmycrackcorm

I don't see the need to have the sons account when the ops own account would show any transfers over the three months.

If the SW kick up a fuss it can be appealed on the grounds that days protection precludes you from providing another person's account details.

cnoc

jimmycrackcorm - I don't see the need to have the sons account when the ops own account would show any transfers over the three months.

Totally agree with this post

Senna

cnoc wrote: »

jimmycrackcorm - I don't see the need to have the sons account when the ops own account would show any transfers over the three months.

Totally agree with this post

Do they just want proof that the account is belonging to your son. They don't want to see transactions, only the the account number your transfered to is in his name and not yours.

PanicStations

I suggest that your son sends a copy of his bank statements to the SW directly, marked for the attention of whoever is dealing with your claim. He should include a letter explaining what they are and that they were requested. 
That way he avoids you seeing his statements (if that's his problem).

ED E

When you dont want the state seeing your finances I always find it suspicious. Would revenue be intrigued by his accounts perhaps?

BowWow

OP - Does your son have the same christian name as yourself?

Nomis21

Likely scenario here:

Your son refuses to give his a/c details

Your benefit payments are stopped

You appeal

Your appeal is allowed and all payment is backdated to the date your claim was stopped.

bergkamp194

is your son part of your claim? if not he should not have to show them something that has nothing to do with them..all you have to show is your bank statements and that you dont have 20k in it or you dont need it..

bergkamp194

and comment above Nomis21 is spot on thats what will happen.... but id make that point to them anyway

ellobee

All household income is taken into account when means tested, so if your son is living at home and working then this income however small it may be is taken into account, so SW are well within their rights to ask for all financial information for everyone living in the house

The_Conductor

OP- is your son living at home with you?
His income- however low it may be- is considered 'means' for the determination of any means based payments- if he is still living at home.
DSP will need a copy of his bank statements to sit down and work out what (if any) your entitlements are to be- the 700 Euro is one issue- however, his income, if he is still living in the family home, is a separate but pertinent issue. Its moot what he is using the funds for (though if you are unemployed- he should, presumably, be entitled to assistance towards his third level fees)

DaDerv

Why can't he just print the 3 statements, put them in an envelope and you hand them into the SW? What says you have to look at them?

What could a poor student possibly be trying to hide from his father to the extent that he'd prevent him getting a SW payment? Maybe I'm being cynical, but it all sounds fishy to me.

infogiver

ellobee wrote: »

All household income is taken into account when means tested, so if your son is living at home and working then this income however small it may be is taken into account, so SW are well within their rights to ask for all financial information for everyone living in the house

This is not true.

infogiver

The_Conductor wrote: »

OP- is your son living at home with you?
His income- however low it may be- is considered 'means' for the determination of any means based payments- if he is still living at home.
DSP will need a copy of his bank statements to sit down and work out what (if any) your entitlements are to be- the 700 Euro is one issue- however, his income, if he is still living in the family home, is a separate but pertinent issue. Its moot what he is using the funds for (though if you are unemployed- he should, presumably, be entitled to assistance towards his third level fees)

This is not true either.

ellobee

is a working adult son living at home not classed as a cohabitant?

njs030

ellobee wrote: »

is a working adult son living at home not classed as a cohabitant?

No a cohabitant is a person the applicant is in a relationship with. Sw don't expect children in college to support their parents quite yet thank goodness

infogiver

ellobee wrote: »

is a working adult son living at home not classed as a cohabitant?

No he's not.

bergkamp194

ur wrong!!!!!

PanicStations

[font=Arial, "Trebuchet MS", sans-serif, Verdana]From [/font][font=Arial, Trebuchet MS, sans-serif, Verdana]www.citizensinformation.ie[/font]
[font=Arial, "Trebuchet MS", sans-serif, Verdana]<<<[/font][font=Arial, "Trebuchet MS", sans-serif, Verdana]A [/font][font=Arial, "Trebuchet MS", sans-serif, Verdana]cohabitant[/font][font=Arial, "Trebuchet MS", sans-serif, Verdana] is one of two adults (whether of the same or opposite sex) who live together as a couple in an intimate and committed relationship and who are not close relatives>>>[/font]

Balagan

In the means test for Jobseeker’s Allowance your household income is assessed. If you are married, in a civil partnership or cohabitating, the means of your spouse, civil partner or cohabitant are also taken into account http://www.citizensinformation.ie/en/social_welfare/irish_social_welfare_system/means_test_for_social_welfare_payments/means_test_for_jobseekers_allowance.html

jca

Balagan wrote: »

In the means test for Jobseeker’s Allowance your household income is assessed. If you are married, in a civil partnership or cohabitating, the means of your spouse, civil partner or cohabitant are also taken into account http://www.citizensinformation.ie/en/social_welfare/irish_social_welfare_system/means_test_for_social_welfare_payments/means_test_for_jobseekers_allowance.html

Yes, but not the income of your siblings.

LegacyUser

I had to post somewhere anon see can this be made a separate thread?
Sorry op

Ok.
I am employed, ok salary (40k) but my job is seriously affecting my health.
I've never been unemployed bar a period after redundancy.
I am going to my doctor soon to be assessed.
I rent, live week to week.

If it comes to it what are my entitlements if I decide/am told to leave my employment due to intolerable stress on my health?

No judgement please, I am highly competent in my work however I am completely distressed and stressed by my current work situation.

I am honest and hardworking and do not imagine being unemployed for long but as I live week by week I do not want to end up on a park bench as I am single no kids rent on my own.

Wits end.

Nomis21

You can apply for illness benefit. Your GP has the forms and will fill their part of the forms. You fill in your details and send it off.

If you are diagnosed with a long term illness you can apply for disability allowance although this can take some time to get and is subject to a lot of scrutiny.