geminisnake
a complex mass of conflicting ideas
I'm aware of how it's supposed to work, the issue is that they haven't asked me about savings.
IIRC the onus is on YOU to tell them what your savings are. I think when you claim that informing them of savings is part of the I declare this is all true bit. They can get very stroppy if you don't tell them and they later find out.
As Frances says £6k is when it will affect you. £16k is the top limit, after that you're entitled to diddly squat and expected to live off your savings. Between £6 and 16K it's a sliding scale.