income support capital

i rang the dss today and told them of my intention of taking out a loan of 15k
to pay of some debts (4k to wife dowry payment) (7k to cousin sister for my expenses for my marriage which i took in 2005 ) (3k which i borrowed from a friend last year for a car)

they told me that i will have to inform them of it unless it is less then 6k

they also told me that when i pay the people off the issue will go to a decision maker who will then decide if this is counted as disregarding capital and if necessery my benefits would be cut

what i want to know is will they take into account that this money has been paid to pay of my debts and not cut anything from my income support

as i cant afford to get my income support cut on 9 k of savings if they took this into account

If you are on means-tested benefits and dispose of some of your capital, you can in some circumstances be treated as still having that capital. Repaying a debt in a lump sum may sometimes be a problem that way.

However, we cannot advise you on your individual position, especially as this is a complicated issue.

is their anyway i can find out and be certain on this issue ?as i dont want to refuse the loan , has anyone got any info ?

It's not a simple issue of if you spend the money you are/are not ok. Some items of expenditure are allowed and some are not. In some circumstances, paying off a debt in a lump sum can be regarded as depriving yourself of capital if you could reasonably have been expected to pay it in instalments and you can be regarded as still having the money.

There may be ways of dealing with this relating to how much you borrow when and how you use it that an adviser could help you with.

Please take professional advice on this.