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  • FIRST POST
    • annbarbs
    • By annbarbs 15th May 17, 2:40 PM
    • 312Posts
    • 131Thanks
    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 4
    • DaftyDuck
    • By DaftyDuck 18th May 17, 3:36 PM
    • 3,621 Posts
    • 7,217 Thanks
    DaftyDuck
    Go home. Sort out all this stuff from home, where you are safe and sound.

    I'd offer my advice on several other of your points, but only once you have gone home.
    • fairy lights
    • By fairy lights 18th May 17, 4:18 PM
    • 7,836 Posts
    • 25,803 Thanks
    fairy lights
    When are you going home, Ann?
    Have you shown your new GP or former case worker and of the threads you've posted on here? I think it might be a good idea if you did, as it would help show them how vulnerable you are at the moment which might help in getting you referred back to support services.
    Are you on speaking terms with your sisters again now?
    • annbarbs
    • By annbarbs 19th May 17, 2:17 AM
    • 312 Posts
    • 131 Thanks
    annbarbs
    Private renting is definitely NOT the right thing to do.

    Buying a place would work if I get the right property.

    If it were my choice I would buy a place in one of the nearby towns in Essex because I know knows areas. I have lived in Essex all of my life.

    But unfortunately properties there are from 150k to 200k upwards at least. And that's not what I can afford.
    I won't get a flat or a house for 50k anywhere in the South of England.

    The only place I would get that is up North or in Liverpool.
    But there is no point in me buying a place here in Liverpool or the North because I don't want to move here.

    Even if the HA did give me a flat up here I would not be happy here.
    As I have found out Liverpool is not what I thought it would be.
    It is not the right place for me and it would be the wrong move.

    So I am not going to move up here. Liverpool is just a holiday for me.
    That's all.

    There is nothing wrong with me going on holidays. The premier Inns are good hotels so I am safe here.

    Manchester and Liverpool are interesting places to visit and I have enjoyed the holiday. But they are no good to live.
    • altojack
    • By altojack 19th May 17, 2:35 AM
    • 8,985 Posts
    • 120,875 Thanks
    altojack
    After what we discussed, several times, you've now found out for yourself that Liverpool isn't the place for you.

    Now come on home, don't bother with Manchester you won't find anything there either.

    Just get a train ticket back home please annbarbs then we can talk some more. Your GP will be very interested in your travels xx
    There's no place like home


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    • getmore4less
    • By getmore4less 19th May 17, 2:31 PM
    • 29,142 Posts
    • 17,429 Thanks
    getmore4less
    Private renting is definitely NOT the right thing to do.

    Buying a place would work if I get the right property.
    Originally posted by annbarbs
    There is the problem.

    I do not think you can do that without help, currently you do not have that help.
    • annbarbs
    • By annbarbs 20th May 17, 3:07 PM
    • 312 Posts
    • 131 Thanks
    annbarbs
    There is the problem.

    I do not think you can do that without help, currently you do not have that help.
    Originally posted by getmore4less
    No I don't have any any experience at all with buying a property.
    I don't know the first think about it.

    So if I was going to do it I would need to get myself a solicitor both to give advice and to help me with this.
    I have been told from the people I have spoken to mostly the taxi drivers at my local Taxi Rank back home.

    And by the woman in the Launderette who I talk to back home.
    That I would have to get myself a solicitor anyway if I was buying.
    Both to do the legal work and to transfer the sale and ownership of the house or flat over to me.

    Many solicitors also have their own property surveyors who can inspect the property for it's condition. I have read.

    But I would have to get a solicitor up here in Liverpool because a Solicitor in London is not going to know anything about properties up here.

    So that would mean more trips to the North and stays in hotels.
    As I said I know nothing about buying a property.
    I have no experience with this at all.
    I did not even know what a mortgage was until the members on here told me.

    But I won't get a mortgage because I am not working.

    Some members here told me on another thread I posted here told me - A mortgage is where you ask the bank or a bank to lend you the money for the cost of the flat or house you want to buy.

    And you have to pay back that money in monthly installments for a long period of about 25 years.
    The same as you would do if you take out a bank load.
    (Although loans are paid back in shorter periods of a few years.)

    But my inheritance is not going to last me 25 years.
    And Housing Benefit told me they do not pay mortgages or ground rent.

    So I would not get a mortgage and would not be able to afford it when my inheritance runs out.

    And I am restricted to what I can buy because I don't have enough capital to afford anything too expensive.

    And if it was a flat with ground rent.
    The ground rent would have to be very cheap.

    Because HB won't pay the ground rent when my savings run out and I have to go back on full benefits again.

    The thing that worries me is that an estate agent might con me and sell me a property that appears to be all right when I view it.

    But has a lot of repairs that need doing or is run down. And I won't know that until I have bought it or moved in. Because the estate agent never told me or was dishonest with me.


    So I would need to get help from a solicitor if I was going to do this.

    I am in Manchester now my stay here in Manchester has been booked and paid for until Tuesday.

    The Premir Inn I am staying in now is better than the ones I was in in Liverpool.

    I have been to Manchester may times before the same as I have Liverpool. So the staff in this hotel know me because I have stayed here a lot in the past.

    But I should not tell anyone here about my inheritace. There is no need for me to tell any of the staff here that.

    I made that mistake in the Liverpool Premir Inn by telling the 2 cleaners.

    I did not trust them as those 2 cleaners seemed too good to be true.

    They were being over friendly with me, saying they would help me find a place and all that.

    And they did knock on my door to chat to me.

    It did not feel right.
    Call it gut instinct but I am sure those cleaners might have been after my money.

    And they might have been trying to steal something from me.
    Because I told them my story and about the inheritance.
    And I told them I have MH problems which I should not have done.

    That's why I did not leave my money and mobile phones in my room. And I locked my laptop up in my padlocked bags and put a password on it.
    Because I did't trust those cleaners.

    And the room I had at the Liverpool hotel did have a bath but because it was a disabled room.
    The bath was very low so I could not fill it up too much because the bath would overflow onto the floor when I did.

    The Liverpool Premir Inn is also a very old building and listed. So it does not have double glazing on the windows or anything like that.

    And it is a long way to walk to the city center from there. And there are never any taxis on the ranks.
    And there are no buses there.

    So it is not very central.
    It is out of the way.

    So not a very good location if you want to be near the Liverpool underground or the shops in the city center.

    One member of the reception staff was not very nice to me.
    And the other reception staff did not give me any time to talk.

    But then the part of Liverpool where the hotels was, is in the hub of the tourist part of the city so it is a very busy hotel.
    There are always queues of people a mile long to at the reception desk. So you can see how busy it is.

    But this hotel in Manchester is much better.
    The staff seem to be much nicer and more friendly than the last hotel I was in.

    This one is a much more modern building that they have refurbished recently. With double glazed windows.

    And better staff.

    And I have a nicer room a proper room with a nice deep bath not a disabled one.

    So it is much nicer here than in the last hotel.
    At the last hotel I never felt comfortable there.
    The atmosphere was kind of a bit hostel, I felt it.
    And I did not trust those cleaners.

    And they are also very expensive. More expensive than most hotels in that area.
    I paid £656 to stay there for the week and I did not get what I paid for.

    The room was not so nice and neither were some of the staff.

    All of the Premir Inns I stayed in were nice but that one in Liverpoo, was not.

    So next time I go to Liverpool I won't stay at there again.
    Not at that hotel.

    I came to Liverpool to meet with the letting agents I had listed and to look at private rented flats.

    But as you know it did not work out for me.

    I am not going to get a flat on this visit.
    Liverpool is just a holiday for me and so is Manchester.

    And as I have found out a private flat is not the right place for me and neither is Liverpool or Manchester.

    I won't find a private rented flat any cheaper than in Liverpool than the rent I am paying for my HA flat in Essex.

    And I won't find one here in Manchester.
    If you look on Right Move you will see most 1 and 2 bedroom flats in Manchester are around £700 or £800 a months and many are more.

    And that includes flats in Greater Manchester in the suburbs and the surrounding areas. They are all much more rent than what I what I pay for my HA flat in London. Most of them are.

    Not only that but Manchester is a very rough and dangerous city.

    Worse than London.

    There are a lot of areas in Manchester such as Rushholm,Cheetham Hill and Moss Side that you would not want to live in. They are also red light districts.

    Moss Side and Wally Range it's the Soho of Manchester. All the prostitutes go there.

    And there are many districts here that seem nice to live in but are not.

    Because I have heard there is a lot of crime and burglaries there.
    Such as Salford, Old Trafford and many other areas here.
    And I would not want to end up in an area where someone could break into my flat and steal or my money and things.
    I have heard there is more of that here than in London.





    Also the health trusts in Manchester are not very good.
    My 2 CMHT Social workers I used to see.
    Both my old Social worker and my EX-CMHT Social worker who I am still in contact with.

    Told me they had clients like me who were under the MH health services. And had a social worker and psychiatrist in my area, some of who had Aspergers Syndrome like me.

    But when they moved up North to Manchester and Liverpool they did not get any help from the CMHT services here.

    Because they did not meet the health trusts criteria for help. And the CMHT's up there do not make provisions for people with Asperger's Syndrome.

    The same thing could happen to me if I move up here, Especially Manchester. As the health trusts and hospitals are no very good here.

    So even if I was offered a flat in Manchester I would not take it.
    As I said Manchester is worse than London and is less friendly than London.

    Although I think the people here in hotels and shops are more used to tourists than in Liverpool.
    And Manchester is a huge tourist city that has many visitors and outsiders that come here to live and work.
    Just like London and Birmingham does.

    It is not a place to live in. Not for me anyway.

    Liverpool and Manchester are interesting cities to visit but no good to live.

    Yes I could buy a place. But if I don't have any problems in my HA flat or area why do I want to leave it?

    And spend most of my savings on a bought flat or house when I don't have any problems there in my HA flat?


    I am looking at it now that I don't have any problems with my flat or my HA. Or with my health trust.
    Although my CMHT won't give me a keyworker I have not had any problems with them.

    And I have got a nice flat that is in a good area with an understanding HA and nice neighbors.
    And it is secure.

    And I know have a very caring GP.

    So why do I want to move and spend most of my inheritace on a bought property and leave all of that?
    If I don't have any problems there?

    I don't think I should move. As other people have told me, if I don't have any problems where I am living. I should stay in my HA. Enjoy the money.
    Then when the money runs out go back in HB and full benefits again.

    As I am still getting some of my benefits my DLA and CTB ESA, that is paying my rent anyway.
    So my inheritace won't run out so quickly.
    It could last me for 10 years or maybe a bit more if I look after it.
    Because I won't have to spend most of it buying a home.

    Last edited by annbarbs; 21-05-2017 at 2:57 PM. Reason: Post Edited- Names of Exact Location of Hotels Removed. There is no need to give the exact address.
    • annbarbs
    • By annbarbs 20th May 17, 3:49 PM
    • 312 Posts
    • 131 Thanks
    annbarbs
    Please, I beg you, edit your post and remove the name of your hotel.
    Originally posted by Quizzical Squirrel
    I have done.

    It's no a good idea to give the exact location of the hotels I am staying in.
    The wrong person could be reading this.
    You never know.
    Best to be discreet when posting on a public form.

    There are hundreds of Premir Inns in Liverpool and Manchester and the whole of England.

    So nobody is gonna know which one I am staying in if I don't tell them.
    So post now edited to remove the names.
    Last edited by annbarbs; 20-05-2017 at 3:51 PM.
    • ripplyuk
    • By ripplyuk 20th May 17, 3:52 PM
    • 1,588 Posts
    • 1,485 Thanks
    ripplyuk
    Why on earth are you in Manchester? I thought you were going home.

    Please go home OP.
    • annbarbs
    • By annbarbs 20th May 17, 4:14 PM
    • 312 Posts
    • 131 Thanks
    annbarbs
    Why on earth are you in Manchester? I thought you were going home.

    Please go home OP.
    Originally posted by ripplyuk
    Well I am having a nice holiday even if I did not get to do what I came here for.

    Which I don't now because I have decided I don't want to move up here.
    So Liverpool and Manchester is just a holiday for me.
    I am not going to live here.
    • IAmWales
    • By IAmWales 20th May 17, 6:10 PM
    • 933 Posts
    • 2,046 Thanks
    IAmWales
    Well I am having a nice holiday even if I did not get to do what I came here for.

    Which I don't now because I have decided I don't want to move up here.
    So Liverpool and Manchester is just a holiday for me.
    I am not going to live here.
    Originally posted by annbarbs
    You could have had a week in the Maldives for the cost of your holiday.

    Please show your GP this thread. You're constantly putting yourself in dangerous situations and someone needs to be supporting you. If the CMHT cannot help then the GP can signpost you to private support services.
    • cashbackproblems
    • By cashbackproblems 20th May 17, 10:38 PM
    • 1,675 Posts
    • 640 Thanks
    cashbackproblems
    So you have money and recieiving a lot of beneifts and still complaining about having to use your inheritence?! There are people more in need i suggest you get a job and dont rely on the state for support
    Last edited by cashbackproblems; 20-05-2017 at 10:46 PM.
    • annbarbs
    • By annbarbs 20th May 17, 11:43 PM
    • 312 Posts
    • 131 Thanks
    annbarbs
    You could have had a week in the Maldives for the cost of your holiday.
    Originally posted by IAmWales
    What's the Maldives?
    What part of England is that?
    • cashbackproblems
    • By cashbackproblems 21st May 17, 12:19 AM
    • 1,675 Posts
    • 640 Thanks
    cashbackproblems
    What's the Maldives?
    What part of England is that?
    Originally posted by annbarbs
    Its near cornwall on the coast #trollalert
    • annbarbs
    • By annbarbs 21st May 17, 3:41 AM
    • 312 Posts
    • 131 Thanks
    annbarbs
    So you have money and recieiving a lot of beneifts and still complaining about having to use your inheritence?! There are people more in need i suggest you get a job and dont rely on the state for support
    Originally posted by cashbackproblems
    I can't work. I because have got mental health problems.

    And I don't get a lot of benefits.

    My benefits have been reduced because of my inheritace.

    I don't get Housing Benefit or Council Tax Benefit anymore. And my ESA has been cut down to Contribution Based ESA.

    My DLA is still the same as before. But because my Housing Benefit has been stopped because you cannot get it when savings go over 16k as mine now have.

    And the £214 a week I get from both my DLA and Reduced ESA although it does cover my rent. Because I am using that to pay my rent. It is not enough to live on so I have to draw out of my savings each week.

    So the reduced income I get is hardly enough to support me alone.
    So I am using some of my inheritace to pay some of my bills and food.

    Sure I will get my housing Benefit and Full benefits back again when my savings fall bellow 16k But that won't be for a very long time.

    My inheritance has given me Independence.

    As I now have choices and don't have to worry about not being able to afford the bills and things.

    But because I cannot work and cannot get full benefits because my savings are over 16k.
    I have to live off some of my inheritace. So my money won't last me the rest of my life.
    So one day I will have to go back on HB and full benefits again when it runs out.
    Not for a long time I hope but it will happen one day.

    But even if I could work which I can't. I would not get much more money than what I get now with my benefits.
    Because you don't get HB if you are working either.

    So I would still have to pay the rent myself and dip into my inheritace.
    Because even a wage of £250 after you have paid your tax is not going to cover all of the £603 a month rent that I pay.

    So I would still have to dip into some of my savings.
    Or rent something cheaper like a furnished room.
    But that's not so nice.

    So a person who is working would be no better off than me.

    But I can't work so that is not an option for me.
    Because I am to ill to work.
    • Red-Squirrel
    • By Red-Squirrel 21st May 17, 8:59 AM
    • 1,406 Posts
    • 3,517 Thanks
    Red-Squirrel
    Its near cornwall on the coast #trollalert
    Originally posted by cashbackproblems
    I hope not because from looking back at last threads it looks like a lot of people have taken a lot of time to help this lady, but that does seem rather far fetched, doesn't it?
    • altojack
    • By altojack 21st May 17, 10:14 AM
    • 8,985 Posts
    • 120,875 Thanks
    altojack
    So you have money and recieiving a lot of beneifts and still complaining about having to use your inheritence?! There are people more in need i suggest you get a job and dont rely on the state for support
    Originally posted by cashbackproblems
    I would suggest you read from the start of this thread, or one of OPs other threads. She has MH problems and cannot work.

    As for complaining about having to use her inheritance, no she isn't, she's struggling to make the right decision of buy or rent. Both of which would be wrong for her without support.

    annbarbs and I have talked into the night many, many times. At least we found her a wonderful GP, it's taken many months. We're now on the ladder of getting MH support through her GP.



    Now, annbarbs, please stop the talking to everyone who will listen, you're not supposed to be mentioning the amount, no wonder the cleaners liked you.

    Please get yourself home so I at least know you are safe in the flat. I'd come and get you myself but can't drive that distance yet due to ongoing knee injury.

    You've got me worried sick as you didn't actually say you'd booked up to go, probably because you knew what I'd have to say about it.
    There's no place like home


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    • seashore22
    • By seashore22 21st May 17, 12:04 PM
    • 474 Posts
    • 872 Thanks
    seashore22
    What's the Maldives?
    What part of England is that?
    Originally posted by annbarbs
    I was giving the op the benefit of the doubt (despite the deafening alarm bells) until now, but I think we know where we stand now.

    Some posters have been very kind and patient, but I hope this isn't thrown back in their faces, again.
    • IAmWales
    • By IAmWales 21st May 17, 12:32 PM
    • 933 Posts
    • 2,046 Thanks
    IAmWales
    I was giving the op the benefit of the doubt (despite the deafening alarm bells) until now, but I think we know where we stand now.

    Some posters have been very kind and patient, but I hope this isn't thrown back in their faces, again.
    Originally posted by seashore22
    I think annbarbs has said they have an autistic spectrum condition. Their postings and their behaviour (over thinking, over telling, vulnerability) are symptomatic of this. They become fixated on things, including things which may seem very trivial to others.

    Imagine watching a tv show and seeing something/ someone you'd like to know more about. You might make a mental note to have a quick Google later and watch the rest of the show. You may or may not bother to look it up later. Someone on the spectrum will pause the show and research that point in depth, for hours or days. They'll quite possibly forget about the show, because their focus has become intently fixed on that one very narrow point.

    (That won't be the case for everyone on the spectrum, it presents itself in different ways, but is the kind of behaviour the OP shows.)
    • annbarbs
    • By annbarbs 21st May 17, 3:57 PM
    • 312 Posts
    • 131 Thanks
    annbarbs
    I would suggest you read from the start of this thread, or one of OPs other threads. She has MH problems and cannot work.

    As for complaining about having to use her inheritance, no she isn't, she's struggling to make the right decision of buy or rent. Both of which would be wrong for her without support.

    annbarbs and I have talked into the night many, many times. At least we found her a wonderful GP, it's taken many months. We're now on the ladder of getting MH support through her GP.



    Now, annbarbs, please stop the talking to everyone who will listen, you're not supposed to be mentioning the amount, no wonder the cleaners liked you.
    Originally posted by altojack
    Yes I do have MH problems and there is no way I can work. I have always been on disability benefits because I have never been able to work. That is the truth.

    I would rather not use my inheritace to pay the rent.
    It would have been better if Housing Benefit would pay at least half or some of the rent to people whose savings are over the limit.

    But they don't. The law is that when your your savings go to 16k or over HB stops because you are not entitled to it.

    Although some other benefits like DLA, PIP and Contribution Based ESA are not means tested.

    Housing Benefit is so you don't get any Housing Benefit once your savings go over 16k.
    So I thought if I moved up here I would save more of my money because I would find somewhere cheaper to rent.

    And because I might get more support up here and find a better life.

    But I have now found out that I was wrong.



    Rents in Liverpool are not much different to what I pay with my HA. Only 150 or £100 less which isn't much. So I won't save any money.
    And by the time I have paid removal van fees which include overnight storage to come here which is £3000 plus deposits for the private flat which are about £2k.


    Especially if I have to keep moving every year or so because the landlord or letting agent wants me out or is selling the property.

    That's another 1 or 2k because you have to pay a new deposit every time you move to another private flat. No landlord is going to let you in without a deposit.
    And there is the removal van fees again.

    And I might not get CMHT support up here either.
    Or I might get a health trust that is really horrible.
    And I might not get a very nice GP either.

    My GP is very supportive and she thinks I should have a keyworker from the CMHT.
    But the CMHT say I don't meet their criteria.

    But there are other MH support services in my area and my GP has refereed me to the NHS counselling.
    But even if I don't find any other support in my area I have still got my GP. And my GP has told me she will support me with my benefits when they come up for review.
    So I have got nothing to worry about there.

    The main reason I wanted to be with the CMHT was because I was worried that if I never had the CMHT it would effect my benefits and they would be stopped.

    But my DLA and ESA have been reviewed before when I only had the GP and I still got them.

    My ESA was reviewed 2 years ago when I only had the GP and I still got it.
    All the DWP do is just write away GP and my GP told them my care needs and everything and that I am not fit for work.
    And I got my benefits. So you don't have to be under the CMHT to get DLA/PIP or ESA.
    Many people have got their benefits with just the GP. AS long as the GP says you have the illness and care needs that's who they take notice of.
    And my EX- CMHT Social worker said she will still do me a supporting letter when my benefits are reviewed. And my GP has also told me she will. If I want one.

    But you don't need to put a letter in the claim pack because the DWP write to you GP or psychiatrist if you have one anyway.

    Even if I did have a psychiatrist from the CMHT a psychiatrist will only see you once every 3 or 6 months. So I still would be seeing more of my GP anyway. A

    And the can still write to the GP if they want to or of you are not seeing the psychiatrist very much. So being with the CMHT is not going to make much difference regarding my benefits.
    As they will still write to the GP but my GP is supportive so there is no problem.

    Yes I am safe up here. I am NOT putting myself at risk at all.
    I am in a nice hotel and when I go out I just go to the shopping areas. Then go back to my hotel.
    The same as every other visitor here does. There is nothing wrong with that.

    It's just that I am wasting my time and my money staying here because I am not getting what I want.

    I have found out that Liverpool is not the right place for me to live and Manchester is not either.

    Manchester is the last place I want to move to. It is not suitable for me at all or for anyone else for that matter.

    As I have said before, Manchester is a very impersonal and rough worse than London in some areas.

    The people here are less friendly than London and the health trusts are not very good here.

    And the rents here are £650 plus as much as £800 a month or more. So I won't find a private flat for less than that.
    NO WAY.

    Not in Manchester, not in Greater Manchester or in any of the areas here.
    Nope.

    I have said it myself.


    I am looking at it now that I don't have any problems with my flat or my HA. Or with my health trust.
    Although my CMHT won't give me a keyworker I have not had any problems with them.

    And I have got a nice flat that is in a good area with an understanding HA and nice neighbors.
    And it is secure.

    And I know have a very caring GP.

    So why do I want to move and spend most of my inheritace on a bought property and leave all of that?
    If I don't have any problems there?

    by Annbarbs
    I don't think I should.
    I think I should stay where I am in my HA and my area because I am happy there and don't have any problems there.

    But if I moved up here to Liverpool or Manchester I can promise you I will have many problems.
    Both with the landlord or letting agent and I might not even get a nice health trust as I said.
    So my advice to myself is don't move up here.
    Forget it and stay where you are-or I am in Essex.
    Last edited by annbarbs; 21-05-2017 at 4:03 PM.
    • ViolaLass
    • By ViolaLass 21st May 17, 4:30 PM
    • 4,973 Posts
    • 6,845 Thanks
    ViolaLass
    Annbarbs, the point isn't whether you should move to Manchester, the point is that you shouldn't move.

    Embrace the fact that you have your inheritance and use it to improve your situation - ask your GP what services you could pay for that might help you to manage better.
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