When to claim UC: moving from tax credits

EU national has been claiming HB and WTC/CTC but now made redundant and prospect of finding work is remote. WTC entitlement will end from 28 November 2020 but final payment is made on 10 December. Can cl start UC claim on 29 November or should she wait until the final payment is in the bank?

Also did the government concession allowing tax credits to continue even where people’s earnings were reduced mean that there will be no overpayments of benefits next April?

Many thanks.

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