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Thanks for your question
No that is not correct - anything in excess of £3000 per year as a lump sum or small regular gifts would be considered exempt - which do not effect your day to day living as they come from your annual income rather than capital or savings.
A gift such as £25000 would always be considered for Inheritance tax should you not live for more than 7 years from the date of the gift.
I am afraid the legislation is not as broad as you would like it to be !
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