In UK: Is social security fraud and housing benefit fraud the same thing?

If it's a joint claim then it's both your fault as you are both responsible for informing of any changes to circumstances - whose bank account it gets paid into is irrelevant. As it's your second offence I'd be amazed if they don't prosecute you, as far as the law is concerned you have now shown a pattern of behaviour - committing fraud. Your first offence will weigh heavily against you no matter what your claims of reasons or excuses are.

As for what the punishment may be? Hard to tell but just bear in mind that there's currently very low tolerance of benefit fraud and you have previous, it's up to the courts. Best I can say is don't ever do it again.

Also worth noting that fraud can affect future claims - I believe the official rule is if you're caught more than once in 3 years you could get a very lengthy sanction, meaning if you have to claim benefits again in the near future you might not receive anything or may get a severely reduced payment.

As it was a joint claim you are both legally liable. You will be prosecuted without a doubt and it could be a custodial sentence due to the fact you have done it before.

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