Hi, season's greetings, The client will get full HB if the £7.10 they receive is the Guarantee Credit. If they only get the Savings Credit, it will depend on their total income and capital as to whether they get HB/CTB.
If the Pension Service reckon your client deprived themselves of capital 2 years ago, it will diminish over time, but it depends on how much they gifted and whether they get Guarantee Credits. Your client probably has 'notional capital. I say 'has', they don't have it, but TPS consider them to have it. 'Diminishing Notional Capital' rules are a bit complicated, but, broadly speaking, the capital diminishes weekly by the amount of benefits they would have been entitled to but for the deprivation. As a simple illustration, if they were considered to have deprived themselves of £5,200, and their total benefits entitlement was £100 a week, it would reduce by that much a week, so would take 52 weeks to disappear. If they get the GC bit, then the same amount would only reduce by £11 a week to start with (because £5.2K would earn them that much in assumed income). I think you can ask for the figure to be recalculated every 26 weeks. So the answer to your second part is a piece of string. Post more details and I can tell you more.
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