How JustAnswer Works:
  • Ask an Expert
    Experts are full of valuable knowledge and are ready to help with any question. Credentials confirmed by a Fortune 500 verification firm.
  • Get a Professional Answer
    Via email, text message, or notification as you wait on our site.
    Ask follow up questions if you need to.
  • 100% Satisfaction Guarantee
    Rate the answer you receive.
Ask Jo C. Your Own Question
Jo C.
Jo C., Barrister
Category: UK Law
Satisfied Customers: 69169
Experience:  Over 5 years in practice.
Type Your UK Law Question Here...
Jo C. is online now
A new question is answered every 9 seconds

I am on Employment & support allowance and receive housing

This answer was rated:

I am on Employment & support allowance and receive housing benefit. I have recently moved so had to reapply to another district and they are asking for two months bank statements. Before the move i had a huge clear out to help with moving costs and earnt £300 from ebay in the 2 months which shows on my bank statement. I wondered if this would affect my housing benefit claim. Additionally i have two main accounts i use, which i declared on the form. However i have 2x internet accounts also i now realise i should have declared but didnt really think about it as they are not actively used. These arent really used and i have no savings etc but if i submit my bank statements they will see small occassional transfers to the other accounts. I do not feel i have had any overpayments of benefit but my main concerns are -

Will they question the ebay/paypal payments of £300 over 2 months
Should i declare the other two accounts now too - and will i get into any trouble for simply not declaring them on the original application form, even though i have no savings in there?

Many thanks

Thank you for your question. My name is XXXXX XXXXX I will try to help with this.

Can I just be clear about this please? This is just £300 in the space of 2 months? There are no other earnings.
Customer: replied 3 years ago.

Thank you, XXXXX XXXXX i moved i was doing permitted work on a business ebay account under ESA, which they knew about but i wasnt actually drawing a wage from it, any turnover was being ploughed back in. So nothing was withdrawn to my bank account. I have now had to stop this due to health declining.

Customer: replied 3 years ago.

But on the 2 months bank statements there is no other income (Just esa, and DLA - which isnt means tested) just those paypal payments.

Did you declare your Ebay income to the DWP?
Customer: replied 3 years ago.

Not the £300 no as it was just bits and pieces sold from around the house


What about the other income.
Customer: replied 3 years ago.

Yes i kept them fully informed about the ebay business account. On ESA i was told you can earn up to £20 a week as long as you are on the benefit, or up to £95 a week for a year.


As i hadnt made any profit and was working at a loss i advised i was earning under the £20 a week rule, the idea was not to earn money but to build up a reputation so that if my health improves i have a career opportunity.


Its not accounts you have to declare per se but income. From what you say you did declare the income that you received save for this £300. If so, then that is fine.

It is probably worth declaring everything at this stage but they will not take any action against you for having dormant accounts.

In relation to the £300, you should really declare that at this stage. Even though its late declaration you can still make a declaration and thereby protect yourself.

Its very unlikely they would act against you as its just a mistake.

Can I clarify anything for you?

Jo C., Barrister
Category: UK Law
Satisfied Customers: 69169
Experience: Over 5 years in practice.
Jo C. and 2 other UK Law Specialists are ready to help you
Customer: replied 3 years ago.

Okay thanks i will provide the full statements and also declare i have two others and provide statements and advise i didnt think about them.


I do have another similar question relating to this scenario - The joint tenant i share with and who also has to provide bank statements, he received £6000 inheritance which he spent very quickly on large items including a car, although this would not have put him over the limit at which it affects h/b would this be a big problem if they found out? If i need to submit another question let me know thanks its just that we are both submitting our info together

Customer: replied 3 years ago.

He is in same situation as me, esa and housing benefit

Thanks. I can do this as a free follow up.

Its bad news though I'm afraid.

£6k is a sum that should have been declared and they will say that spending it in this way amounts to deliberate dissipation I'm afraid.
Customer: replied 3 years ago.

Okay but it wouldnt class as an overpayment of housing benefit i imagine as you can have 6k before they start making deductions to the award so i assume its a case of failing to declare and i guess all we need to know is what the worst case scenario if they did find out? Would it be a warning or something more serious?

They could prosecute but i would expect them to just consider it an overpayment and ask him to repay the proportionate reduction that there would have been.
Customer: replied 3 years ago.

Okay thank you but i thought you ould have up to 6k without it affecting h/b so surely there wouldnt be an overpayment

I actually misread that amount as £16k which would have been prohibited.

Up to £6k and no more does not need to be declared and anyway a sum over would only lead to a proportionate reduction in the benefits being paid.

I would have suggested declaring it anyway but if its under £6k then thats not an overpayment.
Customer: replied 3 years ago.

Thank you very happy with response

No problem and all the best.

Please remember to rate my answer.

Remember that I am always available to help with your questions. Even if I am in Court I will usually pick up a question within 12 hours. For future information, please start your question with ‘For Jo C’.
Customer: replied 3 years ago.

I think i have rated now any problems let me know.


Many thanks i will definitely be returning if i need further advice on anything in the future!

Yes, you have.

All the best.

JustAnswer in the News:

Ask-a-doc Web sites: If you've got a quick question, you can try to get an answer from sites that say they have various specialists on hand to give quick answers... seen a spike since October in legal questions from readers about layoffs, unemployment and severance.
Web sites like
...leave nothing to chance.
Traffic on JustAnswer rose 14 percent...and had nearly 400,000 page views in 30 days...inquiries related to stress, high blood pressure, drinking and heart pain jumped 33 percent.
Tory Johnson, GMA Workplace Contributor, discusses work-from-home jobs, such as JustAnswer in which verified Experts answer people’s questions.
I will tell you that...the things you have to go through to be an Expert are quite rigorous.

What Customers are Saying:

  • A quick response, a succinct and helpful answer in simple English. I believe I can now confront the counter party with confidence -- worth the 30 bucks! Rick Leeds, UK
< Previous | Next >
  • A quick response, a succinct and helpful answer in simple English. I believe I can now confront the counter party with confidence -- worth the 30 bucks! Rick Leeds, UK
  • I did not know a French Law service existed and I was very impressed with the speed of reply --- very professional. Many thanks! Ms. Baker Alfafar, Spain
  • Thank you so much for your help. Your answers were really useful and came back so quickly. Great! Maggie USA
  • Wonderful service, prompt, efficient, and accurate. Couldn't have asked for more. I cannot thank you enough for your help. Mary C. Freshfield, Liverpool, UK
  • This expert is wonderful. They truly know what they are talking about, and they actually care about you. They really helped put my nerves at ease. Thank you so much!!!! Alex Los Angeles, CA
  • Thank you for all your help. It is nice to know that this service is here for people like myself, who need answers fast and are not sure who to consult. GP Hesperia, CA
  • I couldn't be more satisfied! This is the site I will always come to when I need a second opinion. Justin Kernersville, NC

Meet The Experts:

  • Ben Jones

    Ben Jones

    UK Lawyer

    Satisfied Customers:

    Qualified Solicitor - Please start your question with 'For Ben Jones'
< Last | Next >
  • Ben Jones's Avatar

    Ben Jones

    UK Lawyer

    Satisfied Customers:

    Qualified Solicitor - Please start your question with 'For Ben Jones'
  • INC's Avatar



    Satisfied Customers:

    LL.B, Pg.Dip, LL.M, M.B.A (Pending), Solicitor-Advocate. UK Practising Certificate issued by SRA., DIFC Courts Registered (Dubai)
  • Jenny Mackenzie's Avatar

    Jenny Mackenzie

    Satisfied Customers:

    Over 10 years experience in general legal matters
  • Matthew J's Avatar

    Matthew J


    Satisfied Customers:

    4 y PQE (Partner) - Commercial / Residential Property & Property and Civil litigation experience
  • Stuart J's Avatar

    Stuart J


    Satisfied Customers:

    PGD Law. 20 years legal profession, 6 as partner in High Street practice
  • Clare's Avatar



    Satisfied Customers:

    family solictor with 25 years experience
  • Thomas's Avatar



    Satisfied Customers:

    BA (Hons), PgDip, Practising Solicitor