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  • FIRST POST
    • annbarbs
    • By annbarbs 15th May 17, 2:40 PM
    • 299Posts
    • 129Thanks
    annbarbs
    Buying A Home Or Private Renting? Which Is The Best Option?
    • #1
    • 15th May 17, 2:40 PM
    Buying A Home Or Private Renting? Which Is The Best Option? 15th May 17 at 2:40 PM
    Hi Folks.
    It's been a long time since I posted here but I thought I must as I have some decisions to make.

    As some of you may know my mother died in November 2015 and left her house to me and my 2 sisters. My mum left a third of the house to the 3 of us.

    The house was sold and I got my inheritace a few months ago in December 2016.
    Which was 118k and as a result most of my benefits have been stopped.

    Except for my DLA and my Contribution Based ESA(which has been cut down from Income Related ESA because of my Savings being over 16k to Contribution Based only.) Which gives me an income of £214 a week.
    Which is £854 a month.

    But because my Housing Benefit Has been stopped completely I now have to pay all of my rent for my 1 bedroom Flat which is with the Housing Association myself.
    Which is £603 per calendar month. Which I am paying out of my DLA and ESA and I am using some of my savings to pay the bills and food.

    My Council Tax benefit has also been stopped because of my savings but my Council told me I may qualify for Council Tax reduction Benefit again under the grounds of Severe Mental Impairment depending on the medical report from my GP.

    But at the moment I am paying full CT myself but I don't mind as that is on £98 a month.

    But my biggest expense is my rent which although my £854 a month paying the £603 a month. Because I put my benefits aside for this, that only leaves me with £240 a month and my Utility bills including my broadband, phone and Sky TV come to about £250 a month.

    So of course I have to dip into my savings each month to cover my cost of living.

    As you know I fought hard to get my inheritace and I want to try to make it last as long as possible.
    And I also want to use it to make a new and better life for myself.

    So I am thinking of moving up North to Liverpool where the rents are cheaper and because I have been there several times and like the area.

    And I posted about that here:
    http://forums.moneysavingexpert.com/showthread.php?t=5576755

    But a some of the members were not very nice to me. Their comments were so negative.
    And they locked my thread and this has made me very upset since.

    Because despite me having mental Health problems I am perfectly capable of making my own decisions about what I do and don't want to do.

    And as such it is my right and my life and I have the right to move if I want to.

    And I will do what I want anyway no matter how many time you lock my threads. That is NOT going to stop me from moving if I want to.


    Some things have changed since I last posted. I have now found an NHS GP. And I have been very lucky in that this new GP I have gives me time and lets me have double appointments for 20 minutes.And she has spent longer than that with me.

    And my GP surgery always gives me appointments quite quickly. I have got an appointment within a week or 2. And the receptionists are also understanding towards my MH.

    So I have been quite lucky there as it took me a while to find the right GP but now I have done. But despite this there are issues here in my area with my health trust that I am unhappy with.

    My GP has refereed me back to my CMHT but they refuse to see me or take me back.

    Someone from the CMHT phoned me ( I don't know who he was) and spoke to me briefly and then said he does not think I need their services.
    And he told my GP this.
    The CMHT said I do not meet the criteria for their support Services.
    And the CMHT have decided this without even seeing me in person which is not right.
    So I won't be getting a keyworker or a psychiatrist because my CMHT don't want to know me it seems.

    I went back to my GP and told her this and she also is not very happy with my CMHT and has reffered me back again.
    But they have still refused to take me back.

    They did this before 2 years ago after I was discharged from my CMHT in 2014.
    My old GP refereed me back to my CMHT twice and they refused to even see me. Saying I am not ill enough.
    So they have done this to me before.

    Also sometimes my Housing Association are slow to do repairs. And when the communal water pump goes I have had to stay in hotels because I and the other tenants have been without any water supply.
    And often I am afraid to wash my hair in case the water goes of. As it does do every now and then because the contractors have not got to the bottom of what's causing the water pump to keep on breaking down.

    And the outside roof gutter pipe keeps on leaking because the workers do not fix it properly.

    I make a complaint and my HA sends them back again.
    And they have been back here 6 times in the last few months but they still have not done the job properly.

    And each time it leaks again I have to wait 2 or 3 months before they fix it again.

    So because of all of this I am thinking about moving.
    At first it was because of the money£603 I am paying but not so much now.

    As I have found that private rents here in Liverpool,are around £450 or £500 per calendar month. Which is not much less than I pay now.
    Only £150 or £100 less than my rent I pay here. So I am not going to save money in those terms.

    I am now at the moment as I write this here in Liverpool and I am staying in a hotel.
    I have been here up North for 2 weeks now since the 2nd May on Holiday.

    The purpose of this visit was to go and visit some letting agencies to look at flats and talk about it with them.
    So I can at least see what I would be letting myself in for if I moved to private rented.

    But because I have had to keep moving from hotel to hotel.
    Because every time I want to extend my stay the hotels I am at say they have not got any more rooms.

    I have not had a chance to do anything or visit the letting agents. Because most of my time has been spent packing my things, checking out of the hotel. Then checking into another hotel,then moving to another hotel again.
    So this visit to Liverpool is not going very well as I have been here in Liverpool for 2 weeks and I have not achieved anything.

    But the reason why I am posting today is with my situation, that I cannot work and that I must l pay rent out of my inheritance. Because I won't get HB again unless my savings go bellow 16k which they won't for a very long time.

    The question is would I be better off renting or buying a place?
    I have seen 1 and 2 bedroom flats and also 2 bedrom houses for around 50k to 70k.

    And I have been advised by both my Solicitor and EX-CMHT Social Worker. That if I am going to leave the HA I should use my capital to try to buy a property instead of renting with a private landlord. As at least that way I would have a secure home for life and would not have to worry about being evicted and being homeless.

    Also as I have now got about £109k left in my savings. If I bought a place for 60k I will have about 50k left over and will still get my reduced benefits of £214 a week.

    But I won't be paying any rent so that my £213 a week benefits would just go on bills not rent. So it won't eat up my inheritace so quickly.

    And I will not have wait around for a HA or a landlord to do repairs. I can get them done myself.

    Also I will be able to decorate.

    My HA lets me decorate my flat and I have done.I have painted my HA flat peach and lemon and it looks lovely.

    But I know that a lot of private landlords and letting agents don't allow you to paint or decorate. Which is one main reason why I have not left my HA flat for a private flat.

    Also I know that my inheritace won't last forever and one day I wil have to go back on HB and full benefits when my inheritace runs out.

    At least with my HA they won't kick me out when that happens. But a lot of private landlords and letting agents don't like DSS tenants. So when my money runs out and I have to go back on HB again, I could find myself homeless if my landlord throws me out.

    That's why I have been advised by my Solicitor and my Hosing Officer at my HA to buy a place if I must leave the HA rather than go for private renting.

    So any suggestions?
    I have been here in a hotel in Liverpool for 2 weeks and I have not got anything done. Except spend money on hotels which I cannot do forever so I will have to go back home to my flat soon.
Page 2
    • annbarbs
    • By annbarbs 16th May 17, 4:25 PM
    • 299 Posts
    • 129 Thanks
    annbarbs
    Barbara, I tried to send you a private message but you don't allow them.

    I think you should delete your current location from your posts.
    Originally posted by Quizzical Squirrel
    Well I have looked at my profile settings and it says I have allowed everyone to send me a private message.

    So you should have been able to PM me.

    But I have added you as a contact now so you can try again.

    And nobody here knows my real name. Ann Barbs is only a username I made up but it is not my real name.
    So there's no way anyone can identify me.

    Yes I am staying in Liverpool but people don't know which part of Liverpool. But they don't know which part of Liverpool. Liverpool is very big and there are hundreds of Premir Inns here. So there is no way anyone online can find out where I am staying.

    Ann, given that you're struggling to co-ordinate your stay in Liverpool with trips to view rental properties, do you really think you would be able to cope with the process of buying a house?
    Originally posted by fairy lights
    To be honest with you, no I don't think so.


    I don't think I can cope with the stress of moving from Essex to Liverpool either.

    Moving house is stressful anyway but a move to here which would be long distance would be even more stressful.

    I have talked to some local removal companies where I live in Essex and they have given me quotes.

    First of all if I was moving to Liverpool from Essex they would have to take all of my belongings and furniture out of my home the day before. Then keep them in storage over night. As I cannot drive and don't have a car I would have to get the train up here to where ever my flat was in Liverpool.


    Then spend the night in my new flat, then the removal company would have to deliver my furniture to me the next morning.

    They estimates the one removal company have given me is £3000 that's what it would cost both to pack, move and store my furniture and belongings them transport them to my new home where ever that is in Liverpool.

    Even if I got a furnished place I would still have to have a removal company. To transport my cloths and other things. Because you are restricted to so much luggage you can take and carry on the trains.

    So a long distance move such as this is going to cost me about £3000 or £2000 if I am lucky. That's for starters.

    Then there is the deposit for a private rented flat which could be as much as £2000.


    Then if I were to be evicted from my private flat I would have to find somewhere else and that's more deposit money.
    And as people have said and I know myself, I could find myself moving from flat to flat every 2 years. Because either the landlord is selling the property or he simply wants me out.


    That would stress me out and would also eat up my inheritance more quickly, if I had to keep on paying huge deposits.

    As for buying a place the big problem is I don't know enough about Liverpool to know my way around it.

    I thought I did but I don't.
    I have been here several times over the years but only on short visits as a visitor.

    It takes several weeks, if not months to get to know a city as large as this.

    But of course I cannot stay here in hotels for months and months or I will eat up all my inheritance.

    Even staying here for 2 weeks has cost me some £1400, these hotels are not cheap.

    Okay I could have got cheaper accommodation at the hostels they have up here.
    But they are not very nice.

    There are 2 hostels here that are youth hostels and back packers hostels.

    They charge about £20 a night but that's if you sleep in a dormitory with other people which is horrible.

    They also do private rooms which are about £45 or £50 a night for a single room on your own. But you don't get the comforts of a hotel. They have only got showers not baths.
    And 1 youth hostel has no hot water it goes cold after 5 minutes in the shower.

    And the Wifi is never working properly. So I would not be able to use my laptop.
    So you can understand why I don't wanna go there.

    And the bed and breakfasts are not very nice either. The landlady's are horrible and they want to go in your room every day. Which I don't like because I have got money in there.

    That's why I am staying in a proper hotel.

    But to buy a place first of all I would have to get a solicitor. But it would probably have to be one in Liverpool. As a solicitor in London is not going to know about properties up North.

    Then there is the getting to the letting or estate agents. To do that would involve several trips to Liverpool and stays in hotels-Again.

    Then there is getting a hotel for the days I want to come here.

    Often hostels and hostels here are full up because this is a busy city and there are always tourist events on.

    I always book a hotel before I come here.
    Because if you come to Liverpool without pre-booking a hotel fist you won't get one.

    So if say I was to view a property next week for example. I would have to pre-book a hotel for that date and sometimes they have not got any rooms.

    So that's another problem with viewing propertes-getting a hotel when you need one.
    If I could not then I would have to postpone viewing with the estate agent.

    And that's also a problem with private rented. Because even if I find a flat I like on Right Move. By the time I have booked the appointment with the letting agent. Then tried to book a hotel for the date I need to come up here_which is sometimes difficult-The flat is gone.

    But I have not even got that far as I have not been able to get to a letting agent.

    So to be really truthful I don't think I can cope with a long distance move to Liverpool, and I don't know the first thing about buying a place. What you have to do and all that. I just don't know.
    • annbarbs
    • By annbarbs 16th May 17, 4:34 PM
    • 299 Posts
    • 129 Thanks
    annbarbs
    You say you're concerned about cleaners in your hotel room. Are you carrying a large amount of cash? If so, why? There are more secure ways of carrying money e.g. cards.
    Originally posted by ViolaLass
    Your right.

    I should not leave any money in my room.
    I should either take it with me when I go out or put it in the bank.
    Even with the "Do Not Disturb Sign" on the door the cleaners and staff can still go in there.
    So I should not leave it in the hotel room.
    I should keep it with me.

    At least at in my flat I don't have to worry about that.
    To tell you the truth I don't like being here I am fed up with it.

    Because I am not use to all of this.
    Here in a hotel I cannot cook and have to run out to cafes for my meals. And worry if or not I can get a table.

    At least in my flat I can cook. I can eat when I want and I have got more personal space and my privacy.

    But as I am in Liverpool I have to stay in a hotel. And because of this I ho not have a chance to see the city properly or do anything. Because my time here is just being spent on finding a cafe to eat in for my supper before they close.

    And the time limit I have here. As well as the lack of the home comforts I am used to in my flat. GRRRR.
    • Quizzical Squirrel
    • By Quizzical Squirrel 16th May 17, 4:56 PM
    • 90 Posts
    • 3,843 Thanks
    Quizzical Squirrel
    Please do this with the money as I'm a little worried about your security now.
    • annbarbs
    • By annbarbs 16th May 17, 5:04 PM
    • 299 Posts
    • 129 Thanks
    annbarbs
    Please do this with the money as I'm a little worried about your security now.
    Originally posted by Quizzical Squirrel
    Well I have padlocked my bags and only I have the key to the padlock.

    But they could still break the lock if they wanted to. So that is not a guaranteed means of safety.
    Can't go to the bank now because it's 5 o'clock and they are closed.
    So I guess I will just have to take my money with me when I got out tonight.

    I am not saying that any one will go in my room and steal something while I am out.
    But you just don't know.

    I think I am more worried about this now because I told some of the hotel staff about my inheritance and I should not have done that.
    • fairy lights
    • By fairy lights 16th May 17, 5:10 PM
    • 7,479 Posts
    • 24,210 Thanks
    fairy lights
    Please don't carry large amounts of cash with you - perhaps the hotel has a safe you could store it in.
    • Red-Squirrel
    • By Red-Squirrel 16th May 17, 5:31 PM
    • 835 Posts
    • 1,807 Thanks
    Red-Squirrel
    How soon can you get home? Do you have a train ticket booked or can you just go to the station tomorrow?
    • IAmWales
    • By IAmWales 16th May 17, 6:43 PM
    • 571 Posts
    • 1,120 Thanks
    IAmWales
    I'd be using some of your funds to get some support in place.

    If I was a conveyancing solicitor I would be asking for confirmation that you have mental capacity before allowing you to enter into a contract.

    Like others I am concerned for your safety. Please get home (there are trains tonight if you don't want to wait) and don't make any big decisions until you have someone to help you.
    • annbarbs
    • By annbarbs 16th May 17, 6:57 PM
    • 299 Posts
    • 129 Thanks
    annbarbs
    Please don't carry large amounts of cash with you - perhaps the hotel has a safe you could store it in.
    Originally posted by fairy lights
    Yes they do have a safe but it's down in reception not in the rooms.
    Some big hotels have a safes in the rooms. But I would not store it in there. Because it is a digital safe where you set your own PIN number and if the safe won't open then you cannot get your money out.

    I could give the money to reception for them to put in their safe but I don't feel comfortable about giving my valuables to anyone else.

    And if reception is busy as they always are, or there is no one there I cannot get my things back.

    I have both cash cards and debit cards. So I think I should just get up tomorrow morning and get to the bank and put the money in there. Most restaurants accept payment by debit card and I pay my for my hotel stay that way anyway. So I don't need to carry much cash on me, just what I need. The rest can go in my debit cards or other bank accounts.

    How soon can you get home? Do you have a train ticket booked or can you just go to the station tomorrow?
    Originally posted by Red-Squirrel
    I am leaving Liverpool on Friday morning and going to Manchester for the weekend. Then after that I am going back home to Essex next Monday.

    When I come here I always go to Manchester first from London Euston station. Because trains to Liverpool are only once every hour. But trains to Manchester from London are every 20 minutes.

    So I get the train to Manchester Piccadilly then change on the cross Rail to Liverpool. Which is 30 minutes ride from there.

    The train journey itself from Manchester to London takes 2 and a half hours. Then I have to get a train out to Essex which is another hour and a half.

    So it makes sense to stop over at Manchester on the way back, stay the night or 2, then go on to London.

    I like Manchester to visit but I would not live there.
    Manchester is very rough and impersonal like London in a way worse. And I have heard the health trusts are not very good.

    So I would never move to Manchester.
    Manchester is a big NO on my list.


    Liverpool is more friendly and from what I have seen of it, it seems nice. But as I am not from here and it's still a big place, I don't know my way round it very well.

    I think I am only seeing the tourist side of it.
    Because I cannot stay here long enough to get to know it very well.
    Unless maybe I find somewhere cheaper like the youth hostels.
    But as I said they are not as nice as the Premir Inns.

    But I have not got round to visiting a letting agent at all. By the time I am ready to go out, it's late afternoon and they are closing for the day.

    Well I think that I don't want to get a private flat or move up here. That's the real reason why I go out late and miss the letting agents.


    True I don't know my way around Liverpool that well. But I have been here 2 weeks since the 2nd of May. So if I had really wanted to go to a letting agent and look at flats I would have done it buy now.

    There are plenty of taxis and min cabs here. I could get one of those and they would have dropped me at the door of the letting agents.

    That's why I do when I am in London so I could have done the same thing here.

    So I think the real reason why I have not gone to the letting agents is because I don't really want to get a private flat up here.

    Well as I said I have changed my mind a lot since I got my inheritace and I don't want to move give up my HA flat for a private one.


    Because I know a private rented is not very secure as well as the fact that a lot of landlords and letting agents won't let you decorate your flat.

    If I was going to leave the HA buying a flat or a house would be a better option as my Solicitor and other people have said I would have a secure home for life.


    But that would cost me most of my inheritace that I have. So in a year or so I would be back on full benefits again when my money ran out.
    That's what's stopping me from buying a place.

    My mothers house was sold for 250k and if I had been an only child I would have got the lot. Then I would not have hestitated to buy something as I would have had the full 250k from the house sale.

    But because there are 3 of us, my sisters and I we only got a third each. 118k which sounds like a lot but it's not if you have to live on it as I do because I cannot work and cannot get Housing Benefit anymore.


    And although it is possible for me to buy a place for 50k or 70k up here I would not get anything like that In Essex or anywhere in the South of England.

    Unless I moved to Birmingham or the Midlands where I have seen some for that price. But not in the South of England or in London.

    And I cannot get a mortgage because I am not working the only way I can buy a place is upfront buy paying the full amount of what the flat or house is being sold for.

    Although I do have capital it is not enough to buy a place which is more than what I have got. If I had got the full amount from the house sale I would have been able to and had plenty of money left over.

    But as I said I and my sisters only inherited a third which is not really enough to buy a place anywhere.

    Or in Essex which might have been better for me as at least I know the areas there.
    But properties there are not what I can afford unfortunately.
    no where near it.


    So I am restricted to what I can buy because of this .
    • Red-Squirrel
    • By Red-Squirrel 16th May 17, 7:22 PM
    • 835 Posts
    • 1,807 Thanks
    Red-Squirrel
    Why are you going to Manchester? Why not just go straight home from Liverpool? Even if you've already paid for accommodation you don't have to go, that money is already wasted and you'll only waste more on food etc. if you go.
    • Slithery
    • By Slithery 16th May 17, 7:31 PM
    • 89 Posts
    • 96 Thanks
    Slithery
    My mothers house was sold for 250k and if I had been an only child I would have got the lot. Then I would not have hestitated to buy something as I would have had the full 250k from the house sale.

    But because there are 3 of us, my sisters and I we only got a third each. 118k which sounds like a lot but it's not if you have to live on it as I do because I cannot work and cannot get Housing Benefit anymore.
    Originally posted by annbarbs
    You need to check your maths.
    A third of 250k is only 83k.
    • Red-Squirrel
    • By Red-Squirrel 16th May 17, 7:48 PM
    • 835 Posts
    • 1,807 Thanks
    Red-Squirrel
    You need to check your maths.
    A third of 250k is only 83k.
    Originally posted by Slithery
    Presumably there was more than the house in the mother's estate.
    • Rejast
    • By Rejast 16th May 17, 7:56 PM
    • 41 Posts
    • 73 Thanks
    Rejast
    You need to check your maths.
    A third of 250k is only 83k.
    Originally posted by Slithery
    Yes but OP has not mentioned that she got approx £25k from her Mothers savings account too.

    AnnBarbs I have read through this and most of your other threads and just wanted to say I admire that you are obviously thinking long term with regards to your inheritance and it is admirable that you are also considering the implications of any decision on your benefits entitlement
    .
    I think you should get home asap and just take a few weeks to let everything settle in your mind in the comfort of your own home. I also realy think you should see if there is anyone (a friend/charity etc) who could offer you some support with all the big decisions you are trying to make at the moment.

    As others have suggested you should look into spreading your funds around as many highish interest accounts as possible to maximise your return, but first of all please try to get as much of whatever you are carrying around at the moment safe in a bank. You have enough to worry about at the moment without the added worry of hiding/storing/carrying around a large amount of cash.

    Lastly, Good Luck and I'm sure with the right support you will make the right decision for you
    • ViolaLass
    • By ViolaLass 16th May 17, 8:28 PM
    • 4,904 Posts
    • 6,760 Thanks
    ViolaLass
    To echo the others, please stop carrying large amounts of cash around. There is no need to do so. Nowhere will require you to pay large bills in cash.
    • getmore4less
    • By getmore4less 16th May 17, 9:54 PM
    • 28,394 Posts
    • 16,978 Thanks
    getmore4less
    Yes your right. I have been here 2 weeks and I am here until Friday. My first Premier £291 for 4 night. My weekend stay in the Manchester one was £196. The one in Birkenhead was £300 and this stay for a week here cost me £656.
    that is more expensive than an All inclusive resort including flights.

    You have achieved nothing with this exercise other than blow a couple of £k a very expensive holiday.

    Whetherspoons serve food from 7am to 10pm not hard to find food in a big city. no shortage in Manchester and Liverpool areas.

    Premier inn always have a food outlet attached that serves late.

    You need to come up with a proper plan thought through properly before you go off on another adventure for nothing.
    Last edited by getmore4less; 16-05-2017 at 9:58 PM.
    • annbarbs
    • By annbarbs 17th May 17, 3:15 AM
    • 299 Posts
    • 129 Thanks
    annbarbs

    I think you should get home asap and just take a few weeks to let everything settle in your mind in the comfort of your own home.

    As others have suggested you should look into spreading your funds around as many highish interest accounts as possible to maximise your return, but first of all please try to get as much of whatever you are carrying around at the moment safe in a bank. You have enough to worry about at the moment without the added worry of hiding/storing/carrying around a large amount of cash.

    Lastly, Good Luck and I'm sure with the right support you will make the right decision for you
    Originally posted by Rejast
    Yes I think I should go back to home to Essex and my flat.
    I getting nowhere staying here. And I don't even like being here anyway. It's no fun staying in a hotel for long periods.

    The man staff on duty at reception tonight upset me.


    When I took my rubbish bag downstairs to reception for him to dispose of, he told me off for leaving my bin bag and bath towels out side my door in the hall. He said to leave it in my bin.

    But the bin they have in my room is a tiny wastepaper basket so it gets full up very quickly. So I told him this and I told him that I don't want the cleaners coming in my room when I am not there.
    And that I can't rubbish in that bin because it will make my room smell. And the wet bath towels will make everything else wet because there is no cloths horse or towel rail to hang them up on.
    Which was why I put them outside my room.

    But he was not very nice. He told me not to leave my bin bag and wet bath towels outside. So I said what if there is a queue of people at reception what do you expect me to do.
    He just shrugged and went and spoke to the other customer waiting at reception.

    He was rude.
    These kind of people make me sick. Their attitude I mean.
    It's made me think I have got a flat I don't know why I stay here and put up with all of this.

    Having to run out to cafes. Having to ask the hotel staff for everything and being made to wait around at reception being messed about before they get it for me.

    Okay I have brought my own toilet rolls so I don't have to queue up at reception every time I run out. But sometime my key does not work or open my room door. And I have to go to reception and wait for them to sort it out.

    Sometimes my bin in my room gets full and my towels get wet from me using them. and I have to wait for them to sort it out.

    Or wait for them to get something for me.
    Where as at home in my flat I can just get it myself. And tidy things up myself. And I don't have to deal with no rude receptionists. And at home I can cook for myself and eat when I want. So I don't have to worry about being hungry in the night or missing dinner because the cafes are closed.
    Here in the hotel I can't.
    Hotels are all right for a short time but not for a long stay.

    And I made the mistake of telling some of the housekeeping staff cleaners about my inheritance. I should not have done that. They seemed very friendly with me but too friendly.

    So who knows if I can trust them or not? they might go in my room and try to steal my money. This is worrying me.
    Because I told them my story. About how my mum died and my sisters selling my mums house and me and my sisters have inherited money from it.
    And that I am here in Liverpool looking for a flat( or I was)because I have to pay £603 a month rent to my HA because they have stopped my HB.
    I should not have told them all of that. Should I.

    So yes I must get up tomorrow morning and get to the bank and put that money away. Because if I leave it in my room and it gets stolen. The staff won't take responsibility. they will say it's my fault for leaving it there.

    I am not saying that anyone is going to go into my room and steal my money but you just never know do you?

    So it is best not to leave it in my room and put in in the bank and keep the cash that I need with me. And keep my bank books with me as well.

    At least if I keep my money with me I know where it is.
    Better to be safe than sorry.

    To echo the others, please stop carrying large amounts of cash around. There is no need to do so. Nowhere will require you to pay large bills in cash.
    Originally posted by ViolaLass
    As I said and everyone else here has told me.
    I must NOT leave any money or my bank books or my passport in my hotel room.
    Even if I have padlocked my luggage bags anyone who goes in my room can break open the padlock and steal my money and valuables.

    The Hotel staff have a key they can go in my rom any time they want to.
    So I must keep my money and bank books with me when I leave my room and go out.


    that is more expensive than an All inclusive resort including flights.

    You have achieved nothing with this exercise other than blow a couple of £k a very expensive holiday.

    You need to come up with a proper plan thought through properly before you go off on another adventure for nothing.
    Originally posted by getmore4less

    No I have not.

    All I have done is spend a lot of money and it was all for nothing.

    And because I cannot get up in the mornings and it takes me a long time to get out.

    By the time I do finally leave my room and go out. It is about 5 or 6 in the evening.

    So too late to go to the letting agent or do much else.

    So all I am doing here is sitting in my hotel room all day thinking or on my laptop.

    So what's the point in me being here?
    I might as well go home.

    As I can do that in my flat without knocking up a big hotel bill.

    I am wasting my time being here as I am doing nothing except spending my money staying in hotels but not going out at the right time.

    Because I cannot get myself out of my room until very late in the day.
    My OCD does not help me get out any sooner.




    But maybe coming here has helped me as it has made me realize that Liverpool is not the right place for me.

    Ever since I came here my instincts have been telling me I should not leave my HA to go into private rented. and I should not move up here either.

    Even if my HA did offer me a flat up here I am not sure if Liverpool is the right place for me to live in.
    Now that I am here I don't think it is.


    Maybe what I am looking for is not in Liverpool or anywhere in the North. That's what I am thinking right now.

    I think maybe I am better off staying where I am with my HA in my flat.

    My HA is not that bad. In fact they have been quite good to me.My housing officer came round to visit me, just before I went away. And she liked my flat that I have decorated.


    Okay so I have to pay £603 a month rent.
    But it's still much lower than what I would pay if I was renting privately in Essex or the South.

    As I said private 1 bedroom flats in my area are about £1000 or £1500 a month. So what my HA is charging is very low considering.

    My HA know I have MH problems so they understand. And as long as I pay the rent they will never throw me out.

    And when my inheritace does eventually run out and I do have to go back on HB, I will still have my home with my HA.

    But a private landlord or letting agent might not be so understanding.

    If they find out I have MH they might not want me there. And when my inheritace runs out and I have to go back on HB again.
    The landlord or letting agent could throw me out. As a lot of them don't like DSs tenants.


    And some landlords or letting agents might consider me to be DSS anyway because I am still on DLA and ESA. Even though I am not on HB.
    So they may not like that either.

    And here in Eseex I now have a very good GP. Who has even said she will write me a supporting letter when my ESA and DLA come up for review. And she will support me.

    And despite my CMHT turning me down for their services my GP is trying to get me other MH support. She is referring me to a Councilor on the NHS. And she gives me time.
    So at least I have found a caring GP.

    But if I move up here it will spoil all of that.
    Won't it.
    Last edited by annbarbs; 17-05-2017 at 3:55 AM.
    • ViolaLass
    • By ViolaLass 17th May 17, 8:01 AM
    • 4,904 Posts
    • 6,760 Thanks
    ViolaLass
    Are you going home today?

    You will have to leave the hotel before 5pm in order to get home in one day.

    Please get off your laptop and go and get a train home.

    Next time, leave the piles of cash and your passport at home. You didn't need them with you.

    Get on a train, go home.
    • TBagpuss
    • By TBagpuss 17th May 17, 9:49 AM
    • 5,456 Posts
    • 7,135 Thanks
    TBagpuss
    Have you looked into whether your housing association or others local to you offer shared ownership properties?
    With a shared ownesrhip property you can buy a % of the property, and you pay rent on the rest, so you don't have to have enough to buy a property outright. It might mean that you could afford to stay somewhere familiar to you.

    You would then have the security of owning a property (and the responsibility - you would be responsible for maintenance of the property, and for paying for insurance and repairs)
    • IAmWales
    • By IAmWales 17th May 17, 11:01 AM
    • 571 Posts
    • 1,120 Thanks
    IAmWales
    annbarbs, please don't be telling anyone else that you have money with you. Please go to the train and go straight home, there's no need for you to go to Manchester.
    Last edited by MSE ForumTeam5; 19-05-2017 at 7:31 AM. Reason: Quoting deleted post
    • Rejast
    • By Rejast 17th May 17, 11:47 AM
    • 41 Posts
    • 73 Thanks
    Rejast
    AnnBarbs, I can understand why it might come accross that the staff member was being unreasonable but unfortunately that is part and parcel of staying in a hotel. You don't want the smelly rubbish and wet towels in your room and they don't want it in the corridor upseting other guests. Unfortunately for you the staff are going about their jobs as they should and will not be aware of the MH issues of all their guests

    I am not going to knock you for speaking to people about your situation, however, I do think you need to find more appropriate people to share things with.

    All is not lost if going there has helped you come to teh decision that Liverpool is not for you

    It seems like you have a good relationship with your HA and GP, both of these are hard to come by. You have decorated your flat just the way you like it, know the area and have some caring people in your HA and GP, I wouldn't say you would spoil things by moving, more that you would be taking a massive risk both emotionally and financially

    As for ReadingTim, AnnBarbs seems very vunerable and in need of someone to speak to, An internet forum may not be the best place but at least it is somewhere she feels able to off load. She has posted in the correct forum and is not rude so all in all is not doing an harm. I agree her posts can be a bit ott but she is merely expresing herself in a way that is clear to her (a symptom of her MH?) Would you prefer she posts a new thread for each of her linked issues? If you have nothing to add to assist then please feel free to browse another thead.
    Last edited by Rejast; 17-05-2017 at 11:57 AM. Reason: I messed up the quote function...oops
    • annbarbs
    • By annbarbs 17th May 17, 2:38 PM
    • 299 Posts
    • 129 Thanks
    annbarbs

    Next time, leave the piles of cash and your passport at home. You didn't need them with you.

    Get on a train, go home.
    Originally posted by ViolaLass
    Well they can break into your home but that's less likely to happen. Because my flat is in a secure block and no one goes in there but me.

    I have to take my passport with me because banks can sometimes ask for identification if they don't know you. And if your bank book or debit cards get lost or stolen. The bank will want to see my passport. So I have to take my passport with me.

    But the cash I am not using can go into my bank account. I don't need to carry all of that cash around with me.

    Just what I need for my daily needs. And I should never leave my cash or valuables in my room.

    And I should not have told the cleaners about my inheritance.
    I know the cleaners and staff can go in my room any time. So that was a stupid thing to do.
    I should not have done that.

    Both my solicitor and my housing officer told me not to tell people about the inheritace. Because there are a lot of people out there who could take advantage of me if they knew.
    They are right.

    AnnBarbs, I can understand why it might come accross that the staff member was being unreasonable but unfortunately that is part and parcel of staying in a hotel. You don't want the smelly rubbish and wet towels in your room and they don't want it in the corridor upseting other guests. Unfortunately for you the staff are going about their jobs as they should and will not be aware of the MH issues of all their guests
    by Rejast
    No they are not and I can't really tell them that. But I did tell the 2 cleaners that were friendly with me about myself and my mental Health problems. Why I cannot work and I should not have done.

    I don't trust those cleaners because they seem too friendly and familiar with me. So of course I am worried about leaving my money in my room in case they take it.

    Those cleaners seem too friendly to be true. I don't trust them.

    ='Rejast' I am not going to knock you for speaking to people about your situation, however, I do think you need to find more appropriate people to share things with.

    All is not lost if going there has helped you come to teh decision that Liverpool is not for you

    It seems like you have a good relationship with your HA and GP, both of these are hard to come by. You have decorated your flat just the way you like it, know the area and have some caring people in your HA and GP, I wouldn't say you would spoil things by moving, more that you would be taking a massive risk both emotionally and financially
    I agree hotel staff are NOT the right people to be telling my business to. I should never have told them about my inheritace. That was very stupid.

    No I don't think that Liverpool is the right place for me. I think it's all right for me to come here but not to live.


    I think leaving a HA flat to go into private rented accommodation is the wrong move because there is the risk that I could end up homeless again.


    One of the reasons I wanted to move up here was to save money on rent because I thought the rents up here were cheaper than what I pay for my HA.

    But they are not.


    But if you look on Right Move and Zoopla you will see that most 1 and 2 bedroom flats in Liverpool and the surrounding areas are £450, £500 or £550 a month.Which is only £100 cheaper than the rent I pay now.

    So it's not worth moving up here for that because I am not going to save money. And I won't have a secure tenancy.

    So whats the point in me moving here if my rent is only going to be £150 or £100 less than what I pay now?

    I might as well stay in my HA and pay the £603 a month. At least in my flat I have a secure home.

    If I move up here I could as people here have warned me find myself moving every 2 years because the landlord has either thrown me out or is selling the property.

    While I would have the money to move that won't take away the stress of being evicted. And some landlord don't give you 2 months notice I might only get a few weeks notice. And if I cannot find another place to live within that time what then?

    It's a worry.


    I have seen flats for cheaper than £500 for about £390 or £400 a month. But they are very few of those and they are at the lower end. Because most of the flats here are much more rent than that.

    So if those few flats are that low in rent will it be somewhere where the landlord maintains the property or a run down dump?

    And don't forget that landlords put the rent up every year. So I could in the end end up paying more rent than what I pay my HA.
    There's that too.

    And as people have also warned me a lot of landlords and letting agents don't maintain the property.

    I have spoken to a few hotel staff in Southport where I wanted to go. One staff member is having big problems getting his repairs done by his letting agent. Another staff member said the letting agents in that area are not very good, they are not doing the repairs.

    I also know this from my own experience. As I told you in my last posts I was with a private landlord many years ago who did not maintain the property.

    I had rotten windows and damp walls and the house was falling apart. I went to Environmental health and the letting agent threw me out.

    If I move to a private flat the same thing could happen to me again. You don't know. And it is most likely I would not be allowed to decorate as most private landlords and letting agents won't let you. And I won't like that either.

    And once I leave the HA I cannot turn around and go back again if it all goes wrong for me. Because once you give up a Council or HA flat you become a private tenant. So I would not be given another HA flat again unless I became homeless again.

    Most people who are homless do not get Council or HA. They are moved from temporary flat to temporary flat with a landlord every few years. And a lot of people never get a HA flat.

    I would not want to go back in a temporary flat again.
    I did not like that either.
    And as I said before I would then have to pay double rent in a temp flat as the Council leases those from the landlord.

    So I would end up paying £1500 a month rent out of my inheritace. And that will eat up my money.

    And even then I would have to go through the procedures of going back to the Council. But would most likely be put in another temporary flat or I might even end up in a bed and breakfast.

    That's why everyone is advising me against leaving my HA to go into private rented. Because there could be consequences if it all goes wrong. As it could do.

    It's not worth taking that chance.

    Yes I have found a very good GP who gives me time and is very supportive. She gives me double appointments for 20 minutes and she often spends about 30 minutes with me.

    And while it is true my CMHT say I do not meet the criteria for their services. They said they will still give me supporting letters for my benefits if I need them. And my EX- social worker I am still in contact has done. She helped me get my Disabled Freedom Pass renewed last year.
    She filled in the form for me and wrote a supporting statement and I got my pass again.

    A strange CMHT that does not know me won't do that.

    And there is the possibility that I might not meet the criteria for the CMHT services in Liverpool either.
    And if I don't I won't get them. So I would have given up a secure HA for nothing.

    And if I were to become homeless up here in Liverpool, there is the possibility that I might not get help from the Council. If the CMHT up here were to say I was not ill enough.

    I think my Council in my area have been very good to me.
    I am very fortunate to have my HA flat.

    It is a new build in a nice area and only in a small block with nice neighbors. The council could have just left me in the temp flat or moved me from temp flat to temp flat. or they could have put me in a dump but they didn't.

    They gave me this nice flat which is permanent. An assured tenancy which is a home for life if I want it.
    Another Council in another area might not be so understanding. We don't know.

    If I move up here there is no guarantee I will have a home that is secure being a private flat.

    There is no guarantee that I will get a nice GP.
    No guarantee that I will get support from the CMHT here. I might not.

    And there is no guarantee that I won't become homeless in the future if the landlord or letting agent throws me out.

    And when my inheritace runs out in the years to come I won't be able to afford to private rent.

    So I would end up back at the Council. And we don't know where they would put me.
    They could put me anywhere and it might be somewhere I won't like. Like a bed and breakfast or a flat I won't like.
    So it is better not to take that risk and leave the HA. Unless I am buying a place maybe. But not private rented.

    And maybe all this is trying to tell me something.
    Maybe I am better off staying where I am in my area. Or another area nearer my home.

    There is a saying.
    It is better to deal with the devil that you know than with the devil that you don't.







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