My second post this is regarding purchasing funeral plans. So my wife inherited around £18000 and after a call to DWP and housing benefit they said over the phone great idea and Both plans come to just over £7000. DWP wanted receipts for home renovations and car repairs of which they was happy with but the funeral plans they claim we intentionally bought them to lose money to gain ESA. We could have easily bought a newer car or took a holiday but it was a wise decision in her eyes. In Fact the reason we done it was having dealt directly trying to help towards other family funerals we didn't want this for our children and it also means that one of us would not have to make a claim to DWP towards any funeral another day. But nearly 3 years on they are still deducting us as they class it as savings.
We have written in as we did before COVID but never had a response and the only way we knew about the decision was we had a form that looked like it should be internal. We have written again asking but as we are loosing money and the cash out value is less than we paid due to admin fees if cancelled. We may have too. Has anyone else been in this situation. Thanks