Well, the unversity advertise a course and hope for it to be popular. So, quite often, they will advertise the stipend in full, before paying fees, thus creating more competition for it. Some will tell you the amount with fees already taken. Pay close attention to the add, or ask about it.
12 000 £ a year sound like the average maintenance fee paid out to students (which is tax free). The fees are paid by the stipend and as a student you have nothing to to with them (I don't even know how much my fees are)so it seems unlikely that the fees would be mentioned in the ad.
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