Thanks Mike. I haven’t actually been able to find a regulation stating that capital can be disregarded if you temporarily have no access to it. I vaguely remember a case where a claimant had their account temporarily frozen because of fraud as someone else had access to it and was making unauthorised withdrawals. In this case capital didn’t affect HB as it was more of a local welfare query. However, if their capital had been over £6000 could they have reported a change of circs that we shouldn’t be treating them as having over £6000 because they couldn’t access it?
