The_Cash_Man
Registered User
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- 23
My wife has sent in an application for Disability allowance, which required 6 months of banks statements for both of us. I earn a reasonably good salary but we have no property or other wealth to declare on the application (less than €10k in all bank statements combined).
During the 6 month period of bank statements I had one transaction for approx €8k INTO my account from a betting firm. The only other income over the 6 months was my wages. The transaction is marked on my statement with the trading name of the company which from Google the assessor can surely see it is a betting company.
There was no money OUT to any betting firm from my accounts during that time.
The €8k was used immediately to pay off a car we had purchased under a finance scheme 2 years ago, long before my wife got ill. Paying it off early saved us a few hundred euro with 2 years to run.
The applications office have written to her to "Explain the source and purpose of the highlighted amount in order to proceed with the claim".
The purpose was to pay off the car loan, that is clear from a transaction on following page on the statement I sent them.
As for the source, I'm unsure how to word it. It was small betting gains over a lengthy period which added up, however I do not know if they will take issue if it seems like another source of income available to us. I am tempted to state it is from a one-off big win, i.e. luck. I do not want to have to send them statements from the betting account. Is it likely they can request this? Should I provide proof of the car finance settlement? The letter does not ask for any documentation, just an explanation, as per the bold text above.
Many thanks for any advice!
During the 6 month period of bank statements I had one transaction for approx €8k INTO my account from a betting firm. The only other income over the 6 months was my wages. The transaction is marked on my statement with the trading name of the company which from Google the assessor can surely see it is a betting company.
There was no money OUT to any betting firm from my accounts during that time.
The €8k was used immediately to pay off a car we had purchased under a finance scheme 2 years ago, long before my wife got ill. Paying it off early saved us a few hundred euro with 2 years to run.
The applications office have written to her to "Explain the source and purpose of the highlighted amount in order to proceed with the claim".
The purpose was to pay off the car loan, that is clear from a transaction on following page on the statement I sent them.
As for the source, I'm unsure how to word it. It was small betting gains over a lengthy period which added up, however I do not know if they will take issue if it seems like another source of income available to us. I am tempted to state it is from a one-off big win, i.e. luck. I do not want to have to send them statements from the betting account. Is it likely they can request this? Should I provide proof of the car finance settlement? The letter does not ask for any documentation, just an explanation, as per the bold text above.
Many thanks for any advice!