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  • FIRST POST
    znbmum
    Financial help for New Boiler???
    • #1
    • 23rd Jan 13, 10:33 AM
    Financial help for New Boiler??? 23rd Jan 13 at 10:33 AM
    Hi
    Not sure if I am posting this in right place or if anyone can help but I have a problem. We bought this house 4 years ago not knowing ithat the heating didn't work. We were 1st time buyers that were duped by a estate agent.

    We managed to get by this long because the boiler still heated the water and the gas fire in the lounge worked. So for the last 4 winters we have used the gas fire to heat downstairs and all slept in one bed with an electric heater. But now we have had a 2nd baby this is impossible. Me & my baby (I'm still on maternity leave) are confided to our lounge all day as its the only room I can adequately heat. And at night I share the double bed with my baby to keep him warm while my husband has to share a single bed with our 5 yr old to keep him warm. Yesterday the gas boiler has broken and stopped heating the water. So all I have is the gas fire in lounge and a power shower for hot water. It's all got too much now.

    No one will give us a loan to put in new system as its old back boiler and canyon be repaired & radiatoRSVP have never worked and need replacing too. I've been quoted a min of 3000.

    So no one will give us a loan and we are desperate. My husband has a ok job and I'm on maternity pay but we have no savings& can't afford a high interest loan.

    Is there any help for us in a situation like this? Im not asking for a handout by any means just wandering if anyone knows of a government or charity scheme that we can pay back a loan for it or something like that.

    Anyone have information or advice is greatly appreciated.

    Thanks
Page 1
  • Wywth
    • #2
    • 23rd Jan 13, 10:42 AM
    • #2
    • 23rd Jan 13, 10:42 AM
    Hi
    Not sure if I am posting this in right place or if anyone can help but I have a problem. We bought this house 4 years ago not knowing ithat the heating didn't work. We were 1st time buyers that were duped by a estate agent.

    We managed to get by this long because the boiler still heated the water and the gas fire in the lounge worked. So for the last 4 winters we have used the gas fire to heat downstairs and all slept in one bed with an electric heater. But now we have had a 2nd baby this is impossible. Me & my baby (I'm still on maternity leave) are confided to our lounge all day as its the only room I can adequately heat. And at night I share the double bed with my baby to keep him warm while my husband has to share a single bed with our 5 yr old to keep him warm. Yesterday the gas boiler has broken and stopped heating the water. So all I have is the gas fire in lounge and a power shower for hot water. It's all got too much now.

    No one will give us a loan to put in new system as its old back boiler and canyon be repaired & radiatoRSVP have never worked and need replacing too. I've been quoted a min of 3000.

    So no one will give us a loan and we are desperate. My husband has a ok job and I'm on maternity pay but we have no savings& can't afford a high interest loan.

    Is there any help for us in a situation like this? Im not asking for a handout by any means just wandering if anyone knows of a government or charity scheme that we can pay back a loan for it or something like that.

    Anyone have information or advice is greatly appreciated.

    Thanks
    Originally posted by znbmum
    Sell up and rent.

    You may not like Landlords, but at least they have the worry of fixing the heating etc when it goes wrong.
  • znbmum
    • #3
    • 23rd Jan 13, 10:46 AM
    • #3
    • 23rd Jan 13, 10:46 AM
    We have considered this but bought our house just before the market nosedive so we are pretty much in negative equity... also we have looked at renting prices & our mortgage is at least 150 cheaper a month for a simular property.
    Thanks though
    • Lucy Lastic
    • By Lucy Lastic 23rd Jan 13, 10:48 AM
    • 690 Posts
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    Lucy Lastic
    • #4
    • 23rd Jan 13, 10:48 AM
    • #4
    • 23rd Jan 13, 10:48 AM
    Have you contacted your gas supplier to ask if they have any schemes for filling new boilers?
    • Lucy Lastic
    • By Lucy Lastic 23rd Jan 13, 10:49 AM
    • 690 Posts
    • 970 Thanks
    Lucy Lastic
    • #5
    • 23rd Jan 13, 10:49 AM
    • #5
    • 23rd Jan 13, 10:49 AM
    Sorry, that should be fitting not filling.
    • mummyroysof3
    • By mummyroysof3 23rd Jan 13, 10:49 AM
    • 4,467 Posts
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    mummyroysof3
    • #6
    • 23rd Jan 13, 10:49 AM
    • #6
    • 23rd Jan 13, 10:49 AM
    does the warm front scheme still exsist? are you on a low income? we had ours instalded through this
    Have a Bsc Hons open degree from the Open University 2015
    • Lucy Lastic
    • By Lucy Lastic 23rd Jan 13, 10:53 AM
    • 690 Posts
    • 970 Thanks
    Lucy Lastic
    • #7
    • 23rd Jan 13, 10:53 AM
    • #7
    • 23rd Jan 13, 10:53 AM
    This is from the British Gas website:

    http://www.britishgas.co.uk/products-and-services/boilers-and-central-heating/new-boilers/latest-offers.html

    You can pay monthly.
  • Wywth
    • #8
    • 23rd Jan 13, 10:55 AM
    • #8
    • 23rd Jan 13, 10:55 AM
    We have considered this but bought our house just before the market nosedive so we are pretty much in negative equity... also we have looked at renting prices & our mortgage is at least 150 cheaper a month for a simular property.
    Thanks though
    Originally posted by znbmum
    Of course renting will cost more than a mortgage whilst we have historically low interest rates.

    But you wouldn't be suffering a loss of capital nor the costs of maintaining the property if you rented.

    What will happen if/when interest rates rise to 15%? Sell up now.
    Last edited by Wywth; 23-01-2013 at 10:57 AM.
    • C_Mababejive
    • By C_Mababejive 23rd Jan 13, 11:02 AM
    • 9,833 Posts
    • 8,989 Thanks
    C_Mababejive
    • #9
    • 23rd Jan 13, 11:02 AM
    • #9
    • 23rd Jan 13, 11:02 AM
    Is there an immersion heater for the hot water?

    Please note that what i am saying isnt meant to be flippant so dont take offence.

    I think your best option is not to get further into debt by trying to source a new boiler/heating system.

    If you get that new boiler you will have debt to repay for its cost AND you will have opened up the gateway to further gas consumption which will increase your outgoings.

    Not so long ago,in the days before widespread central heating, people would often retreat to the living room for the worst of winter and just heat that room. Also,invest in some thermal vests.

    I live in a two person house and we both have good jobs. My boiler is 32 years old. Last year i fitted some new,extra controls to regulate usage patterns of heating and hot water. The programmer is set for specific on off times and it runs to those times come hell or high water. This week i have a few days off. The programmer will not be over-ridden and it will stay off. I have a thermal vest on. Its Winterville.

    By the way,can you quote the make and model of your boiler and the nature of the problem please?
    Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..
    • Lucy Lastic
    • By Lucy Lastic 23rd Jan 13, 11:21 AM
    • 690 Posts
    • 970 Thanks
    Lucy Lastic
    There is a 5 year old and a baby to consider as well as the adults in the house.

    I lived in a house without central heating for years, I hated it.

    Don't sell your house, (not that you were going to with negative equity) go for monthly payments, get a new system!

    It may be debt (so is a mortgage of course), but it's in a good cause.
  • GotToChange
    Sell up and rent.

    You may not like Landlords, but at least they have the worry of fixing the heating etc when it goes wrong.
    Originally posted by Wywth
    Oh that's such a glib response/if only it were that easy.....



    Landlords MAY have the responsibility - but they do not always live up to it - I am not sure how the law would apply in a case like this and besides some landlords go out of their way do to anything other than the bare minimum.

    znbmum, I feel for you and am not sure of the solution; you say that you cannot afford a loan, but there simply must be a way, particularly when you have young children.

    Have you checked with your present supplier? Or even a different one? Your Council - or even your Health Visitor may know of something? (Apologies if you have tried all this...I will continue to have a think.)
    Do not irritate a woman with a grudge, with time on her hands and with access to the internet.


    And, yes, I do Have A Life
    x

  • znbmum
    There is a 5 year old and a baby to consider as well as the adults in the house.

    I lived in a house without central heating for years, I hated it.

    Don't sell your house, (not that you were going to with negative equity) go for monthly payments, get a new system!

    It may be debt (so is a mortgage of course), but it's in a good cause.
    Originally posted by Lucy Lastic

    Thanks... I've just checked with my gas provider, they can't do anything. Looks like British gas might so going to get them to come and assess our situation.
    • C_Mababejive
    • By C_Mababejive 23rd Jan 13, 12:30 PM
    • 9,833 Posts
    • 8,989 Thanks
    C_Mababejive
    We all appreciate that there are children to consider but equally,children have been brought up for millennia in far far worse conditions and even today,children are brought up and survive in far far worse conditions in other countries.

    The more you have heat,the more you get used to it and the more you need it. Its all about building up tolerance.

    I'm not saying we should all have to exist in temps of -20 where long term exposure would indeed be hazardous but there is a happy medium somewhere.
    Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..
    • Lucy Lastic
    • By Lucy Lastic 23rd Jan 13, 1:06 PM
    • 690 Posts
    • 970 Thanks
    Lucy Lastic
    That's a sensible plan I think, get some heaters as a temporary measure and get an appointment with BG for a free assessment asap.

    At least you will know what is required and whether you can afford it.

    I hope you can get it sorted soon and that your family will be warm in the mean time.

    • C_Mababejive
    • By C_Mababejive 23rd Jan 13, 2:27 PM
    • 9,833 Posts
    • 8,989 Thanks
    C_Mababejive
    I'm sorry if my comment may be taken as unhelpful so i shall bow out of this one save for to say the era of cheap and indeed affordable energy is well and truly over and the only way that most of us will manage is to use what we have more efficiently or use less. No offence taken or meant BTW..just a different way of thinking.
    Feudal Britain needs land reform. 70% of the land is "owned" by 1 % of the population and at least 50% is unregistered (inherited by landed gentry). Thats why your slave box costs so much..
    • Lucy Lastic
    • By Lucy Lastic 24th Jan 13, 9:17 AM
    • 690 Posts
    • 970 Thanks
    Lucy Lastic
    znbmum

    Please let us know what happens and whether you find a solution that suits you.
    • Joyful
    • By Joyful 24th Jan 13, 11:45 AM
    • 2,147 Posts
    • 1,110 Thanks
    Joyful
    You can also check out the Green deal here https://www.gov.uk/green-deal-energy-saving-measures/how-the-green-deal-works
    I am an employee of British Gas.The views expressed on this post are mine and do not necessarily reflect the views of Centrica, its subsidiaries or affiliated companies.
    • alanq
    • By alanq 24th Jan 13, 12:11 PM
    • 3,289 Posts
    • 2,128 Thanks
    alanq
    I've been quoted a min of 3000.
    Originally posted by znbmum
    My mother paid BG far more than that several years ago simply to replace an aged boiler and fit some room thermostats to existing radiators - and that with a grant of a few hundred pounds. If the whole system needs replacing that sounds like a much bigger job.

    Have you considered storage heating? Electricity will cost more to run but the initial system is likely to be far cheaper to install and there is no paying for annual maintenance / safety checks.
    Last edited by alanq; 24-01-2013 at 12:16 PM.
    • Wickedkitten
    • By Wickedkitten 24th Jan 13, 1:28 PM
    • 1,820 Posts
    • 2,132 Thanks
    Wickedkitten
    Have you actually had someone out to look at the back boiler? Just because it’s a back boiler doesn’t mean that it can’t be repaired. As far as keeping beds warm, have you thought about getting an electric blanket or two? As far as baby goes, most people have the room too hot to begin with so it might be worth getting a room thermometer and adjusting the amount of clothes that baby has on accordingly.
    It's not easy having a good time. Even smiling makes my face ache.
  • espresso
    Originally posted by Joyful

    The Green Deal is a joke! more here and here

    "The whole point of the Green Deal is that households are meant to save money on their energy bills - but with rip off interest rates, hidden charges and penalty payments the Green Deal could end up costing people more than they save"

    ""With sky high interest rates like these itís hard to see how the Green Deal will be anything other than a bad deal for the public."
    Blue text on this forum usually signifies hyperlinks, so click on them!..
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