If it appears to the Director that the individual, or any person whose resources are to be treated as the individual's resources in accordance with regulation 16, has, with intent to reduce the amount of their disposable income or disposable capital, whether for the purpose of making the individual eligible to receive civil legal services, ... or otherwise—
directly or indirectly deprived themselves of any resources;
transferred any resources to another person; or
converted any part of their resources into resources which under these Regulations are to be wholly or partly disregarded,
those resources must be treated as part of the individual's resources or as not so converted as the case may be.