Hi mb
In case you are not aware, your real name appears to be showing in the forum, if you want to change this then follow the instructions in the following FAQ
www.benefitsandwork.co.uk/guides-for-claimants/faq/forum It will be classed as capital and your UC will close once you go over £16k.
You need to seek specialist advice from your local Welfare Rights Organisation:
advicelocal.uk where they can take all your circumstances into consideration when giving you advice.
Gary