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  • FIRST POST
    • pennypincher2013
    • By pennypincher2013 8th Oct 16, 7:20 AM
    • 208Posts
    • 19Thanks
    pennypincher2013
    DLA and mortgage interest - housing benefits
    • #1
    • 8th Oct 16, 7:20 AM
    DLA and mortgage interest - housing benefits 8th Oct 16 at 7:20 AM
    A friend of mine who claims DLA has paid 6 months rent on a property she has just moved into. She is hoping to have housing benefits, back paying the rent.
    She has a house with a mortgage (the house she just moved out of) which she says she hopes to sell. Because she has DLA, the interest on the mortgage is paid for.
    Would benefits continue to pay for an empty house and rent? And would they pay back rental payments that would cover the same time period as paying the interest on the mortgage house?
    Would that technically be paying my friend twice?
    Last edited by pennypincher2013; 08-10-2016 at 7:59 AM.
Page 2
    • bigbulldog
    • By bigbulldog 11th Oct 16, 12:42 PM
    • 393 Posts
    • 287 Thanks
    bigbulldog
    Would they not be better off by moving back to the property (while keeping it on the market ) that has the mortgage as the partner has moved out and give notice on the property As they would not get there money back on her 6 month advance payment.
    • FBaby
    • By FBaby 11th Oct 16, 1:36 PM
    • 14,346 Posts
    • 36,516 Thanks
    FBaby
    Why isn't he moving into the house then? Surely better then living with friends.
    • teddysmum
    • By teddysmum 11th Oct 16, 1:49 PM
    • 5,849 Posts
    • 3,447 Thanks
    teddysmum
    Poor partner, as if she uses the overdraft, he will be jointly liable and could end up paying off the lot, if she has no means to pay.
    • pennypincher2013
    • By pennypincher2013 11th Oct 16, 4:32 PM
    • 208 Posts
    • 19 Thanks
    pennypincher2013
    Would they not be better off by moving back to the property (while keeping it on the market ) that has the mortgage as the partner has moved out and give notice on the property As they would not get there money back on her 6 month advance payment.
    Originally posted by bigbulldog
    She wanted a new place so she went for it. She's been spending the overdraft on kitting the new place out, like there's no tomorrow.
    Would've been better off staying put but she didn't want to do that.
    • pennypincher2013
    • By pennypincher2013 11th Oct 16, 4:34 PM
    • 208 Posts
    • 19 Thanks
    pennypincher2013
    Why isn't he moving into the house then? Surely better then living with friends.
    Originally posted by FBaby
    He's staying with family. He doesn't want the house because it holds painful memories and can't take on the house because there is no chance he could possibly afford to run it.
    • pennypincher2013
    • By pennypincher2013 11th Oct 16, 4:36 PM
    • 208 Posts
    • 19 Thanks
    pennypincher2013
    Poor partner, as if she uses the overdraft, he will be jointly liable and could end up paying off the lot, if she has no means to pay.
    Originally posted by teddysmum
    That's one of the reasons I am angry with her.
    Anyway, there's no chance he could afford it. He has less money than her. She has DLA. He has no job atm because he was her full time carer.
    • pmlindyloo
    • By pmlindyloo 11th Oct 16, 4:46 PM
    • 9,967 Posts
    • 11,766 Thanks
    pmlindyloo
    So they need to sell it PBQ.

    As regards the mortgage payments then they need to speak to the mortgage provider and explain the situation. If they sell quickly enough the mortgage company will probably not be too concerned as they would get their money back from the sale.

    As regards HB then if she is eligible for it then it will be paid to her monthly and if she applied when she took on the tenancy then she will receive it month by month. Since she will have no rent to pay for 6 months (if I have understood you correctly) then she she should be OK financially.

    I suggest you get your friend to seek some advice as regards her debts unless she is paying them off when they sell the house.

    Has she sorted out who gets what as regards the sale of the house? Has she sorted out council tax on the house and standing orders for gas/electrivty/telephone.

    Try to get her to make an appointment with CAB if you believe she and her children are vulnerable.
    • pennypincher2013
    • By pennypincher2013 12th Oct 16, 2:13 PM
    • 208 Posts
    • 19 Thanks
    pennypincher2013
    She's all talk and no action regarding selling the house. She's into buying (unnecessary) things for the new rented place, spending the overdraft.
    She has no rent to pay for 6 months but she hasn't considered the mortgage, council tax etc. and she's spending so much I don't know what's going to happen once the overdraft has reached the limit.
    • catz1ct
    • By catz1ct 12th Oct 16, 7:54 PM
    • 708 Posts
    • 414 Thanks
    catz1ct
    HB can only be backdated for 1 month. They will want to see good cause as to why she didn't claim sooner. Not knowing she could claim is not a good enough reason.

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