To clarify further, under the old rules (before Universal Credit) even paying off debts or mortgage could be classed as depriving yourself of capital in order to claim benefits, this brought about an immediate cessation of benefits until it was successfully appealed.
Universal Credit appears to have relaxed the rules a bit and under the 2013 UC regulations you were allowed to pay off debts without being counted as depriving yourself of capital.
However, within the DWP the guidelines do not always match the regulations so you need to get proper advice on this. If the DWP does something wrong, the appeal process can be exceedingly drawn out.
I've no idea where Wirral is up to with JSA/IS/UC and whether Housing Benefit is in with UC yet, you could be on any of those depending on circumstances.
In a time of universal deceit - telling the truth is a revolutionary act. George Orwell
When the debate is lost, slander becomes the tool of the loser. Socrates