MILLIONS of head-up households will see the first £650 cost of living payment instalment hit their accounts this week.

The first half of the help, worth £326, should’ve hit most bank accounts by now – the deadline for claimants to be paid was July 31.

Most people will have received the first half of the £650 cost of living payment by now


Most people will have received the first half of the £650 cost of living payment by nowCredit: Getty

The help was first announced in May by former Chancellor and wannabe PM Rishi Sunak in a bid to help Brits struggling with rising bills.

The payments will automatically be made to those receiving benfits including Universal Credit, income-based Jobseeker’s Allowance (JSA), Pension Credit, and working tax credit and child tax credit.

More than eight million people will benefit from the much-needed cash – but the money might not land in your account this week.

Although the deadline for most claimants to be paid has passed, the DWP did warn of delays issuing cash – so if you haven’t received yours by now, we recommend contacting the DWP.

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Below, we explain four more reasons why you may have to wait longer for your cash.

“Complex” claims

Those with “complex” circumstances can expect a slight delay to their first cost of living payment instalment.

The DWP confirmed that this would affect a “small number of unique cases”.

We’ve asked the DWP how a “complex” circumstance is defined and we will update this story when we know more.

It means that while most payments will be issued by the end of July, yours might land even later than this in your account.

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What to do

You might want to check in with the DWP about whether or not your claim falls under the “complex circumstances” category.

If it does, then don’t be alarmed if your cash doesn’t land in your account by the end of July.

Tax credit claimants

Those claiming tax credits will see a delay to their first £650 cost of living payment instalment.

As many as 1.5million people claim tax credits and no exact date has been set for when claimants should expect to see the help paid out.

Households claiming tax credits have been told that they should expect to get the first wad of money in the autumn, with the second payment landing in winter.

People may be receiving tax credits alongside other benefits that qualify for the cost of living payment.

So payments are being dished out at a later date to avoid any double payments being made.

What to do

The DWP has not yet released specific dates for when tax credit claimants can expect to receive the help – but we’ve asked for more information.

You don’t have to do anything in the meantime – payments will be issued automatically.

You’ve changed bank accounts

You might find that your payment is delayed if you have recently closed the bank account your benefits are usually paid into.

The DWP has confirmed to The Sun that it is using the bank account details it holds in its systems.

If you haven’t let the DWP know your bank account has changed, it will pay the money into your old one.

That means the payment will be rejected and the DWP will follow up with you – which could cause delays.

What to do

Whenever your personal circumstances change, it’s important to let the DWP know immediately.

If you don’t, your benefit payments could be affected or delayed.

You’re waiting for your benefit claim to be approved

To be eligible for the £650 cost of living payment, you must be in receipt of one of the following on the qualifying date:

  • Universal Credit
  • Income-based Jobseekers Allowance
  • Income-related Employment and Support Allowance
  • Income Support
  • Working Tax Credit
  • Child Tax Credit
  • Pension Credit

Those receiving one of these on May 25 (or who had put in a claim that goes on to be successful by then) will get the first instalment.

But if you made a claim in time for the qualifying date but it hasn’t yet been approved by the DWP, you might find your payment is delayed.

What to do

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You’ll need to sign into your account to keep an eye on the progress of your benefit claim.

Once it has been approved, it might be worth checking in with the DWP on when you can expect to receive the help.

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