looking for advice on behalf of mum and her partner

FBaby · 23 November 2017 at 8:32AM

This is a very sad situation, but if they chose to only pay interest on their mortgage, surely they knew that they would lose their home at the end of the period. They've probably paid a lot less for a roof over their head than if they would have been paying rent and at least they now have £16K, which if careful will take them to the time she will be able to claim her pension which they wouldn't have if they'd rented.

Morglin · 23 November 2017 at 8:55AM

dangermouse1974 wrote: »

ok so long story short my mum is on E.S.A . her partner is extremely unwell and going through all sorts of tests however is still on j.s.a as he has not got a diagnosis yet! they had a mortgage on their house . paid interest only .they were forced to sell house as mortgage time up. they made various improvements to house i.e new kitchen bathroom which personally cost over 10k whilst they had the house .they have been told they will receive around 16k after all fees taxes have been paid for sale of house . they are not pensioners yet mum is 64 years old and partner is 63 . they are homeless at the moment although they are staying with family . she has been notified by esa that she will lose her entitlement to benefit??? her partner will lose entitlement to j.s.a and been told by esa she cannot gift money to her kids / grand kids as this is disposing money for benefit purposes or something like it .they have no other savings or money in isa etc and no provision for funeral expenses and didnt have the money spare whilst working to set aside money for pension old age . so in a nutshell they paid a mortgage for 15 years and improved the house and the only people that will benefit from it is the mortgage company estate agent and the government is this right. please can you clarify any steps they can take to retain their benefits . mum is entitled to e.s.a as she is disabled .be great if they can retain at least some of the money for retirement thanks in advance for your help

If either, or both of them fit the health criteria, they could try claiming PIP.

This benefit is unaffected by other income or savings.

https://www.benefitsandwork.co.uk/personal-independence-payment-pip

Lin

paddedjohn · 23 November 2017 at 11:44AM

Surely they can use the cash to rent a property for themselves, the deposit and moving costs will take a bite out of ther savings.

xylophone · 23 November 2017 at 1:48PM

they are homeless at the moment although they are staying with family .

They are both over 60, your mother is disabled and your father too unwell to work.

Is there any possibility of some from of sheltered housing through the local authority/ a housing association?

Do either/both qualify for PIP/Carer Allowance?

They have £16,000 but this will rapidly diminish once they are paying rent /CT/utilities/food - however, it should be enough to get them through to state pension age.

Have they each applied for a State Pension Forecast?

https://www.gov.uk/check-state-pension

looking for advice on behalf of mum and her partner

Comments

Categories

Get our FREE Weekly email full of deals & guides - and it’s spam-free