Decision Makers Guide - DMG45046

Facts to consider: did applicant's have a choice when they disposed of the capital?

Applicant's or partner's have no choice if they use their capital to pay
1) for the necessities of life, such as food and fuel or
2) debts which are

• immediately repayable and

• legal debts capable of enforcement1

applicant's or partner's who had no choice have not deprived themselves of capital to get tax credits or more tax credits.