Quick answer
If you cannot pay care home fees in England and Wales, the care home may pursue debt recovery through county courts, potentially leading to judgments against your estate or pursuing claims against your property and assets. Local authorities typically conduct a financial assessment using the current capital limit of £23,250 (2024/25); if your assets exceed this threshold, you may be deemed able to contribute towards fees. In most cases, care homes will attempt to recover outstanding debts before pursuing formal legal action, though they may apply for court orders to recover sums owed. Protecting your family’s assets generally requires careful care fees planning, which may involve gifts made more than 7 years before entering care or considering your estate’s position. This guide explains care home fee debt recovery in 2026/27, what happens when you cannot pay fees, and how to protect your family’s assets from potential claims.
Last reviewed: 24 May 2026 by the MP Estate Planning editorial team. Jurisdiction: England and Wales. Scotland and Northern Ireland have different probate and intestacy rules; the IHT thresholds are UK-wide.
Three rule changes you may need to consider (2026/27)
1. Pensions become subject to IHT from 6 April 2027. Most unused defined-contribution pension pots currently sit outside the estate for IHT — that ends on 6 April 2027 (gov.uk policy paper). HMRC estimates around 10,500 estates will face IHT for the first time as a result.
2. Business and agricultural property reliefs capped at £2.5m per person from 6 April 2026. Above the cap, only 50% relief applies — effective IHT of 20%. AIM shares dropped to 50% relief and do not use the £2.5m allowance (Saffery — APR/BPR reforms).
3. The NRB, RNRB and £2m taper threshold are frozen until 5 April 2031 following the 2024 and 2025 Budgets (gov.uk — NRB and RNRB freeze). With inflation, more estates will be pulled into IHT each year — a process commonly called “fiscal drag.”
We understand that facing financial difficulties due to care home fees can be a challenging and stressful experience for many British homeowners. In this article, we will guide you through the process of care home fee debt recovery in the UK, explaining what happens if you’re unable to pay and how to protect your family’s assets.
As experienced professionals, we will provide clear explanations and real-life examples to help you navigate this complex issue. For more information on protecting your family’s assets, you can visit our page on care fees planning.
Key Takeaways
- Understanding the process of care home fee debt recovery in the UK.
- Knowing what happens if you’re unable to pay care home fees.
- Learning how to protect your family’s assets from debt recovery.
- Exploring options for managing care home fee debt.
- Discovering the importance of seeking professional advice.
Understanding Care Home Fees
Understanding the structure and variability of care home fees is essential for planning and managing the financial aspects of care home living. Care home fees can be a significant financial burden, and it’s crucial to comprehend the factors that influence these costs.
Types of Care Home Services
Care homes provide a range of services, including residential care, nursing care, and respite care. The type of service required can significantly impact the overall cost. For instance, nursing care, which involves more specialized medical attention, tends to be more expensive than residential care.
Factors Influencing Care Home Costs
Several factors influence care home costs, including:
- Location: Care homes in urban areas or regions with a higher cost of living may charge more.
- Level of care required: Individuals needing more intensive care or specialized services will likely face higher fees.
- Type of accommodation: The choice between a single room, shared accommodation, or luxury amenities affects the cost.
Funding Options Available
There are various funding options available to help manage care home fees. These include:
- Self-funding: Using personal savings or assets to cover care home costs.
- Local authority funding: Financial assistance provided by local authorities, depending on the individual’s financial situation and care needs.
- NHS funding: The NHS may cover costs for individuals with specific healthcare needs, such as those requiring continuing healthcare.
| Funding Option | Description | Eligibility Criteria |
|---|---|---|
| Self-funding | Using personal savings or assets | Individuals with sufficient financial resources |
| Local Authority Funding | Financial assistance from local authorities | Based on financial assessment and care needs |
| NHS Funding | Coverage for specific healthcare needs | Individuals requiring continuing healthcare or specific NHS services |
For more detailed information on paying for care homes, you can visit Age UK or MP Estate Planning.
Legal Obligations of Care Home Residents
As a resident in a care home, understanding your legal obligations is crucial. Care home fees are a significant aspect of residing in a care home, and it’s essential to comprehend the responsibilities associated with these costs.
The Importance of Paying Fees
Paying care home fees on time is vital for several reasons. Firstly, it ensures that the care home can continue to provide high-quality services to residents. Secondly, timely payments help avoid additional charges or complications that may arise from non-payment.
When you fail to pay your care home fees, the care home provider may take various actions to recover the debt. This can include sending reminder notices and contacting you or your representative to discuss payment options.
Key Reasons for Timely Payment:
- Avoids additional charges and complications
- Ensures continued high-quality care services
- Maintains a positive relationship with the care home provider
Potential Consequences of Non-Payment
Failing to pay care home fees can lead to severe consequences. The care home provider may initiate debt recovery proceedings, which can impact your credit rating and potentially lead to court action.
If you receive a bill for social care services and do not pay, the council follows a structured approach. This includes sending reminder notices and contacting you or your representative to discuss the outstanding amount.
| Consequence | Description |
|---|---|
| Debt Recovery Proceedings | The care home provider may initiate legal action to recover the debt. |
| Impact on Credit Rating | Unpaid debts can negatively affect your credit score. |
| Court Action | In severe cases, the care home provider may take you to court to recover the debt. |
Understanding your legal obligations as a care home resident is essential to avoid these consequences. By paying your fees on time, you can ensure a smooth and stress-free experience in the care home.
The Debt Recovery Process Explained
Unpaid care home fees initiate a debt recovery process that includes warning letters and potential involvement of debt collection agencies. When residents fail to pay their care home fees, it triggers a series of actions aimed at recovering the outstanding amounts.
Initial Warning Letters
The process typically begins with initial warning letters sent by the care home or local authority. These letters serve as a formal notification of the outstanding debt and request immediate payment. According to the third web source, the council may also send reminder notices and contact the resident or their representative if payments are missed.
It’s essential to respond promptly to these letters to avoid further action. Residents or their representatives should communicate with the care home to discuss possible payment arrangements.
How Debt Collection Agencies Operate
If the debt remains unpaid, care homes may engage debt collection agencies to recover the outstanding amounts. These agencies specialize in debt recovery and may use various methods to contact debtors, including phone calls, emails, and letters.
Debt collection agencies operate under strict guidelines and are regulated by UK law. They must treat debtors fairly and respectfully, providing clear information about the debt and available payment options.
- Debtors are entitled to request detailed information about the debt.
- Agencies must provide a clear breakdown of the outstanding amount.
- Debtors can negotiate payment plans with the agency.
It’s crucial for residents and their families to understand their rights and obligations when dealing with debt collection agencies. Seeking advice from a financial advisor or a debt charity can be beneficial in managing care home fee debt.
By understanding the debt recovery process, residents and their families can better navigate the challenges associated with unpaid care home fees. Proactive communication with care home providers and seeking professional advice when needed can help mitigate potential issues.
Common Myths About Care Home Fees
There’s a plethora of misinformation surrounding care home fees that needs to be addressed. Many people are confused about what they need to pay and how they can manage these costs effectively.
Misconceptions on Eligibility for Funding
One common myth is that everyone is eligible for full funding for their care home fees. However, the reality is more complex. Eligibility for funding depends on various factors, including your financial situation and the type of care you require.
To clarify, let’s look at some key points:
- The local authority assesses your financial situation to determine your eligibility for funding.
- The type of care you need (e.g., residential or nursing care) affects your eligibility.
- You may need to contribute to your care costs if you have significant assets or income.
For more detailed guidance on protecting your assets, you can visit our page on protecting your home from care fees.
Assumptions About Family Liability
Another misconception is that family members are automatically liable for a relative’s care home fees. In reality, family members are not typically responsible for these costs unless they have signed a specific agreement to be so.
To understand the nuances, let’s examine the following table:
| Scenario | Family Liability |
|---|---|
| Family member co-signs care home agreement | Yes, they may be liable |
| Family member acts as Power of Attorney | No, unless they have mismanaged funds |
| No formal agreement signed by family member | No, they are not liable |
Understanding these myths and the actual rules surrounding care home fees can help you make informed decisions and potentially save money. It’s essential to seek professional advice to navigate these complex issues.
How Debts Are Registered
Care home fee debts, if not addressed, can be registered with credit reference agencies, impacting your credit score. This registration can have significant consequences on your financial situation.
The Role of Credit Reference Agencies
Credit reference agencies play a crucial role in the debt registration process. They collect data on individuals’ and businesses’ credit histories, including any outstanding debts. When a care home fee debt is registered with these agencies, it becomes part of your credit record.
We understand that this can be a concerning issue for many. The information held by credit reference agencies is used by lenders to assess creditworthiness. Therefore, having an outstanding debt registered can affect your ability to obtain credit or loans in the future.
The Impact of Debt Registration on Finances
The registration of a care home fee debt can have far-reaching implications on your financial health. It can lead to a reduced credit score, making it more challenging to secure loans or credit at favorable interest rates.
A County Court Judgment (CCJ) can further exacerbate the situation, significantly affecting your credit rating and ability to obtain loans or credit. It’s essential to address care home fee debts promptly to avoid such outcomes. Seeking advice from care home debt recovery solicitors UK can provide you with the necessary guidance to manage your debt effectively.
Understanding the implications of debt registration is crucial for managing your financial situation effectively. By being proactive, you can mitigate the potential negative impacts on your credit score and overall financial well-being.
Options for Managing Care Home Fee Debt
If you’re struggling with care home fees, you’re not alone, and there are ways to manage your debt. Many individuals face challenges in paying their care home fees on time, leading to debt accumulation. Understanding the available options can help alleviate this burden.
Setting Up Payment Plans
One effective way to manage care home fee debt is by setting up a payment plan. This involves negotiating with the care home provider to establish a schedule for paying off the debt in installments. Residents can work with their care home to create a plan that suits their financial situation, ensuring that they can manage their payments without undue hardship.
Here is an example of how a payment plan might be structured:
| Payment Period | Monthly Payment | Total Amount Paid |
|---|---|---|
| 6 months | £500 | £3,000 |
| 12 months | £250 | £3,000 |
Seeking Financial Advice
Seeking financial advice is another crucial step in managing care home fee debt. Financial advisors can provide guidance on available funding options, help with budgeting, and offer strategies for debt management. Professional advice can be invaluable in navigating the complexities of care home fee funding.
For instance, a financial advisor might help you explore:
- Eligibility for government support or benefits
- Local authority assistance programs
- Other financial resources available to care home residents
By exploring these options and seeking the right advice, individuals can better manage their care home fee debt and reduce financial stress.
Financial Assistance for Care Home Fees
Navigating the complexities of care home fees can be daunting, but there are various forms of financial assistance available. Understanding these options is crucial for managing the financial burden associated with care home services.
Government Support and Benefits
The UK government provides several benefits and support systems to help individuals cover care home fees. One of the primary sources of financial assistance is through the Department of Work and Pensions.
- Attendance Allowance: A outside the scope of IHT benefit for people aged 65 or over who need help with personal care due to a disability or health condition.
- Pension Credit: Additional income for pensioners on a low income, which can help with care costs.
It’s essential to explore these options early, as the application process can be lengthy. We recommend consulting with a financial advisor to determine eligibility and to understand how these benefits can be utilized.
Local Authority Assistance Programs
Local authorities in the UK also play a significant role in providing financial assistance for care home fees. They assess an individual’s financial situation and determine the level of support needed.
“Local authorities can provide financial assistance for care home fees, including Deferred Payment Agreements, which allow individuals to delay paying their care home fees until a later date, typically when their property is sold.”
Some key programs include:
- Deferred Payment Agreements: Allowing individuals to delay payment of their care home fees.
- Financial Assessments: To determine how much an individual can afford to pay towards their care costs.
We advise contacting your local authority to discuss available assistance programs and to understand the eligibility criteria.
The Role of the Care Home Provider
Effective care home management involves not only providing quality care but also managing fees and recovering debts when necessary. Care home providers play a crucial role in ensuring that residents receive the care they need while also handling the financial aspects of care home operations.
Responsibilities of Care Home Management
Care home management has several key responsibilities when it comes to fee management and debt recovery. These include:
- Clearly communicating fee structures and payment terms to residents and their families.
- Implementing a robust system for tracking payments and identifying potential issues early.
- Providing support and guidance to residents who are experiencing difficulties in making payments.
By taking a proactive and supportive approach, care home providers can help minimize the risk of debt and ensure that any issues are addressed promptly.
Intervention Procedures for Payment Issues
When payment issues arise, care home providers must have effective intervention procedures in place. This may involve:
| Procedure | Description | Benefits |
|---|---|---|
| Initial Contact | Reaching out to residents or their families to discuss payment issues. | Early identification of problems and potential solutions. |
| Payment Plans | Negotiating flexible payment plans to help manage debt. | Reduces financial strain on residents and their families. |
| Financial Advice | Providing information on available financial assistance and benefits. | Helps residents access the support they are eligible for. |
By following a structured approach to debt recovery, care home providers can balance their financial needs with the well-being of their residents. This not only helps in recovering debts but also in maintaining a positive relationship with residents and their families.
Escalation of Debt Recovery Actions
The failure to pay care home fees can trigger a series of escalating debt recovery actions. When residents or their families struggle to meet these financial obligations, care home providers may initiate a formal debt recovery process to reclaim the owed amounts.
Court Proceedings and What to Expect
If care home fee debts remain unpaid, the care home provider may take the matter to court. This legal action can result in a County Court Judgment (CCJ) against the debtor. A CCJ is a serious legal consequence that can significantly impact one’s credit score and financial standing. We understand that receiving a court summons can be daunting, but it’s crucial to respond promptly to avoid further complications.
During court proceedings, it’s essential to seek professional advice from care home debt recovery solicitors UK who can guide you through the process and help you understand your options. They can assist in negotiating with the care home provider or representing you in court.
Eviction as a Last Resort
In extreme cases where debt remains unresolved, eviction from the care home is a possibility. This is typically considered a last resort by care home providers, as it can have significant emotional and practical implications for the resident. However, if all other avenues have been exhausted, the care home may pursue eviction to recover the debt.
It’s vital for residents and their families to be aware of the potential consequences of unpaid care home fees. By understanding the escalation of debt recovery actions, including court proceedings and the possibility of eviction, individuals can take proactive steps to manage their financial obligations and seek appropriate advice when needed.
We recommend that those facing difficulties in paying care home fees should explore available options for financial assistance and seek guidance from professionals. This proactive approach can help mitigate the risk of escalated debt recovery actions and ensure that residents receive the care they need without undue financial hardship.
Understanding Bankruptcy and Care Home Fees
Bankruptcy can have significant implications for individuals struggling to pay care home fees in the UK. When someone is declared bankrupt, it can affect their financial obligations, including care home fees.
How Bankruptcy Affects Care Fees
When an individual is made bankrupt, their assets are typically assessed and used to pay off creditors. Care home fees are considered unsecured debts, which means they are not tied to a specific asset like a house. However, this doesn’t mean they are entirely written off.
Key implications of bankruptcy on care home fees include:
- The care home provider may still pursue the debt, although their ability to recover the full amount may be limited.
- The bankrupt individual’s financial situation will be reassessed, potentially affecting their eligibility for local authority support.
- Bankruptcy can impact credit ratings, making it harder to secure financial arrangements in the future.
Alternatives to Bankruptcy for Debt Management
While bankruptcy is an option for managing overwhelming debt, it’s not always the best solution. There are alternative strategies that can help individuals manage their care home fee debt without resorting to bankruptcy.
Some alternatives include:
- Setting up a payment plan with the care home provider to pay off the debt in manageable installments.
- Seeking advice from a debt counselor or financial advisor to explore options for consolidating or reducing debt.
- Applying for financial assistance or benefits that may help cover care home fees.
By understanding the implications of bankruptcy and exploring alternative debt management strategies, individuals can make informed decisions about their financial situation and care home fee obligations.
Protecting Your Rights as a Care Home Resident
As a care home resident in the UK, it’s essential to understand your rights when dealing with care home fee arrears. Care home residents have specific rights protected by consumer law, which are designed to protect them from unfair practices.
Consumer Rights Explained
As a consumer, you are entitled to certain protections under UK law. This includes the right to clear information about the services you are receiving and the fees associated with them. Care home providers are required to provide you with a clear contract outlining the terms of your residency, including the fees you are required to pay and the services that are included.
It’s also important to understand that you have the right to complain if you are unhappy with the service you are receiving. This can include issues related to the quality of care, the cleanliness of the facilities, or the management of your fees.
“You have the right to be treated with respect and dignity, and to receive care that meets your needs.”
How to Lodge a Complaint
If you need to lodge a complaint, it’s helpful to first speak with the care home manager or the person responsible for handling complaints. They may be able to resolve the issue promptly. If you’re not satisfied with the response, you can escalate your complaint to the local authority or the Care Quality Commission.
- Keep a record of your complaint, including dates and details of conversations.
- Be clear and concise about the issue you’re experiencing.
- Seek support from family members or advocacy services if needed.
Understanding your rights and knowing how to assert them can make a significant difference in ensuring you receive the care and support you deserve.
Future Resources and Support Systems
Navigating the complexities of care home fees and debt recovery can be challenging. Fortunately, various resources and support systems are available to help individuals manage care home fee debt and plan for the future.
Key Contacts and Support
For those struggling with care home debt, organisations such as Advice Lewisham and Sail Connections offer valuable support with debt and financial management. These services can provide guidance on managing care home fee debt and accessing available financial assistance.
Online Guidance for Financial Planning
Utilising online resources can also be beneficial for financial guidance. Care home debt collection services UK and care home fee recovery agency UK can offer expert advice on managing debt. By exploring these resources, individuals can better understand their options and make informed decisions about their care home fees.
By accessing these support systems and resources, individuals can more effectively manage their care home fee debt and secure the care they need.
FAQ
What happens if I can’t pay my care home fees?
If you’re struggling to pay your care home fees, the care home or local authority will typically initiate the debt recovery process, starting with initial warning letters and potentially involving debt collection agencies.
How do care home fee debt collection services in the UK operate?
Care home fee debt collection services, such as those provided by specialist debt recovery agencies, work on behalf of care homes to recover outstanding debts. They may contact you to discuss payment plans and settle your debt.
What are my legal obligations regarding care home fees?
As a care home resident, you’re legally required to pay your fees on time. Failure to do so can result in debt recovery action, potentially affecting your credit rating and leading to court proceedings.
Can my family be held liable for my care home fees?
Generally, family members are not automatically liable for care home fees. However, there may be exceptions, such as if you’ve signed a expected or have a lasting power of attorney.
How can I manage my care home fee debt?
You can manage your care home fee debt by setting up payment plans, seeking financial advice, and exploring available financial assistance, such as government support and benefits or local authority assistance programs.
What are the consequences of not paying my care home fees?
If you fail to pay your care home fees, you may face debt recovery action, including court proceedings, and potentially, eviction as a last resort. Unpaid debts can also be registered with credit reference agencies, affecting your credit rating.
Can I dispute a care home fee debt?
Yes, if you believe there’s an error or dispute regarding your care home fee debt, you should contact the care home or debt collection agency to discuss and resolve the issue.
How does bankruptcy affect care home fee debt?
Bankruptcy can have significant implications for care home fee debt. If you’re declared bankrupt, your care home fee debt will be treated as part of your overall debt, and you may need to negotiate with your creditors to manage your debt.
What are my consumer rights as a care home resident?
As a care home resident, you’re protected by consumer law, which includes the right to fair treatment, clear information, and a complaints procedure. You can lodge a complaint if you’re unhappy with the service you’re receiving.
Where can I find additional support and resources for managing care home fee debt?
You can find additional support and resources through organisations such as the Citizens Advice Bureau, Age UK, and other financial guidance services, which can provide you with expert advice and help you navigate the complex landscape of care home fees.
What is the role of credit reference agencies in care home fee debt?
Credit reference agencies play a crucial role in recording and managing care home fee debt. If your debt is registered with a credit reference agency, it can affect your credit rating and ability to secure credit in the future.
Can I negotiate a payment plan for my care home fees?
Yes, you can negotiate a payment plan with your care home or debt collection agency to manage your care home fee debt. This can help you make regular, manageable payments and avoid further debt recovery action.
When Care Home Fee Debt Escalates: Legal Recovery, Court Action, and Estate Liability
For families already navigating the stress of a loved one’s care, the prospect of formal legal action over unpaid care home fees can feel overwhelming. Understanding how recovery typically unfolds — and how estate planning instruments can interrupt that process early — is central to protecting both the resident and the beneficiaries who may ultimately inherit.
The Legal Route from Unpaid Invoice to County Court Judgement
Where a care home resident or their appointed representative fails to engage with initial warning letters and debt collection approaches, the care home provider may instruct solicitors to issue formal proceedings. In most cases, this begins with a Letter Before Claim in accordance with the Pre-Action Protocol for Debt Claims, giving the debtor at least 30 days to respond before court proceedings are issued. If no resolution is reached, the provider may file a claim in the County Court. A County Court Judgement (CCJ) may then be entered against the resident or, in some circumstances, against an attorney acting under a Lasting Power of Attorney who has mismanaged funds. Once a CCJ is registered, enforcement options — including charging orders against property — typically become available to the creditor. In our experience, families are often unaware that a charging order can be sought against a property that forms part of an estate, potentially complicating or delaying probate.
What Happens to Unpaid Care Fees When a Resident Dies
Unpaid care home fees do not disappear on death. They become a debt of the estate and must generally be settled before any inheritance is distributed to beneficiaries. Under the Insolvency Act 1986 and established probate practice in England and Wales, care fee debts rank as ordinary unsecured debts and are payable after funeral expenses and secured liabilities but before legacies are paid. Executors who distribute the estate without settling known debts may become personally liable. Where a CCJ or charging order was registered against a property during the resident’s lifetime, the creditor’s claim typically survives death and must be resolved during the administration of the estate.
The Estate Planning Case for Acting Before Debt Arises
The most effective way to avoid this outcome is rarely reactive. Instruments such as a Lasting Power of Attorney (Property and Financial Affairs), a Deferred Payment Agreement with the local authority, and timely engagement with NHS Continuing Healthcare (CHC) assessments can materially reduce the risk of fee arrears accumulating in the first place. Our team works alongside regulated solicitors and financial advisers to help families understand which planning structures are appropriate to their circumstances before a care placement becomes a financial crisis.
Common Questions About Care Home Fee Debt
What happens if you don’t pay the NHS penalty charge?
If a patient occupies an NHS hospital bed after they have been assessed as clinically ready for discharge, the NHS may charge the responsible local authority or, in some cases, the family a delayed discharge penalty of up to £500 per day. Where this charge is not paid, the NHS trust may pursue recovery through civil debt proceedings in the same way a private creditor would. Persistent non-payment can result in a County Court Judgement. It is worth noting that this charge is levied on the system rather than automatically on the individual, but disputes about who bears liability can involve the family, particularly where a Lasting Power of Attorney is in place and financial decisions are being made on the patient’s behalf.
What happens when elderly are discharged from the hospital?
Following a hospital stay, an elderly patient should receive a formal discharge assessment. If they are unable to return home safely, the local authority has a duty under the Care Act 2014 to carry out a needs assessment and, where eligible, to arrange and potentially fund care. Families should request a Continuing Healthcare (CHC) assessment at this stage if the person’s needs are primarily health-related, as a successful CHC determination means the NHS funds the full cost of care with no means-testing. Missing this assessment is one of the most common and costly oversights in care planning.
How much savings can you have in a nursing home?
In England for 2024/25, the means-test thresholds are: £23,250 upper capital limit — above which a resident is fully self-funding; and £14,250 lower capital limit — below which capital is disregarded entirely and the local authority funds the assessed shortfall. Between these two figures, a sliding-scale tariff income is applied. These thresholds apply to capital including savings and, in most cases, the value of the resident’s property, unless a qualifying exemption applies — for example where a spouse or dependent relative continues to live in the home.
How to avoid care fees?
It is important to be clear that there is no lawful mechanism to simply avoid care fees if you have assets above the relevant thresholds. However, proactive estate planning may legitimately reduce the overall financial impact. Deprivation of assets rules (see below) mean that giving away assets specifically to avoid care fees can be reversed by the local authority. Legitimate strategies may include exploring CHC eligibility, using a Deferred Payment Agreement to prevent a forced property sale, and structuring a Lasting Power of Attorney so that an attorney can act quickly and efficiently when care is needed. Our team recommends taking regulated legal and financial advice well before a care need arises.
How many years can a nursing home go back and retrieve funds?
Nursing homes themselves do not have a statutory power to investigate historical asset transfers. However, local authorities have broad powers under the Care Act 2014 to investigate deprivation of assets — the deliberate disposal of capital to reduce a means-tested assessment — with no fixed statutory lookback period. In practice, local authorities commonly examine transfers made within the preceding six months to several years, though there is no hard time limit; the key test is whether avoiding care fees was a significant motivation for the transfer. Where the local authority determines that deprivation has occurred, it may treat the transferred asset as still belonging to the resident for means-testing purposes, and in some circumstances may pursue the recipient of the transfer directly under section 70 of the Care Act 2014.