Hi,
I had a similar case. My client got through £35 thousand in about 9 months with not a single receipt to show for it, and was refused IS. He was an alcoholic, but did not have any diagnosed MH problems. He was vague about where the money had gone, and had a habit of giving different answers to the same questions due to memory problems caused by the alcoholism.
We argued that he had basically spent it in the pub, he had been in the pub every day, buying rounds and meals for everyone, and people were taking advantage of him by borrowing money from him knowing that he would not remember.
We won the IS appeal, although I think with a certain amount of luck - we couldn’t have had a better chair. At the end of the day the rather depressing reality of it is more convincing than some far fetched and complex plot to spend tens of thousands in order to be able to claim a pittance of benefit.
Good luck.
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